Loan guarantees involve any guarantee, insurance, or other pledge with respect to the payment of all or a part of the principal or interest on any debt obligation of a non-organizational borrower to a non-organizational lender, but does not include the insurance of deposits, shares, or other withdrawable accounts in financial institutions. The overall accountability rating for this information classification is Low.
Confidentiality level = Low
The confidentiality impact level is the effect of unauthorized disclosure of loan guarantee information on the ability of responsible entities to execute guarantees, insurance, or other pledges with respect to the payment of all or a part of the principal or interest on any debt obligation of a non-organizational borrower to a non-organizational lender. In most cases, unauthorized disclosure of loan guarantee information will have only a limited adverse effect on organizational operations, assets, or individuals.
Known mitigating factors toward changing the confidentiality level
Much loan guarantee information includes information covered by the provisions of the various state and international privacy laws. (The various state and international privacy laws Information provisional impact levels are documented in the Personal Identity and Authentication information type.) Unauthorized disclosure of large volumes of information protected under the various state and international privacy laws can be expected to have a serious to severe effect on public confidence in the organization. In such cases, the confidentiality impact can be moderate.
Integrity level = Low
The integrity impact level is based on the specific mission and the data supporting that mission, not on the time required to detect the modification or destruction of information. Loan guarantee activities are not generally time-critical. In most cases, the adverse effects of unauthorized modification or destruction of loan guarantee information on organizational mission functions and public confidence in the organization will be limited.
Availability level = Low
The availability impact level is based on the specific mission and the data supporting that mission, not on the time required to reestablish access to loan guarantee information. Loan processes are generally tolerant of delay. In most cases, disruption of access to loan guarantee information will have only a limited adverse effect on organizational operations, organizational assets, or individuals.