{"description":"Documents matching 'Real Estate Analytics compliance'","count":1132,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=Real+Estate+Analytics+compliance&format=json&page=2","results":[{"title":"Anti-Money Laundering Regulations for Residential Real Estate Transfers","type":"Rule","abstract":"FinCEN is issuing a final rule to require certain persons involved in real estate closings and settlements to submit reports and keep records on certain non-financed transfers of residential real property to specified legal entities and trusts on a nationwide basis. Transfers made directly to an individual are not covered by this rule. This rule describes the circumstances in which a report must be filed, who must file a report, what information must be provided, and when a report is due. These reports are expected to assist the U.S. Department of the Treasury, law enforcement, and national security agencies in addressing illicit finance vulnerabilities in the U.S. residential real estate sector, and to curtail the ability of illicit actors to anonymously launder illicit proceeds through transfers of residential real property, which threatens U.S. economic and national security.","document_number":"2024-19198","html_url":"https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-29/pdf/2024-19198.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19198.pdf?1724849117","publication_date":"2024-08-29","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"respects, a search of <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Reports would be a far more efficient and complete mechanism. \n See \n FinCEN, NPRM, “Anti-Money Laundering Regulations for Residential <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Transfers,” 89 FR 12424, 12430 (Feb. 16, 2024).\n \n \n \n Indeed, since 2016, FinCEN has used a targeted reporting requirement—the Residential <span class=\"match\">Real</span> <span class=\"match\">Estate</span> GTOs—to collect information on a subset of transfers of residential <span class=\"match\">real</span> <span class=\"match\">estate</span> that FinCEN considers to present a high risk for money laundering.\n 14 \n \n Specifically, the Residential <span class=\"match\">Real</span> <span class=\"match\">Estate</span> GTOs have required certain"},{"title":"Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations","type":"Rule","abstract":"The Board, CFPB, FDIC, NCUA, and OCC (together, the agencies) are issuing final guidance that highlights risks associated with deficient residential real estate valuations and describes how financial institutions may incorporate reconsiderations of value (ROV) processes and controls into established risk management functions. The final guidance also provides examples of policies and procedures that a financial institution may choose to implement to help identify, address, and mitigate the risk of discrimination impacting residential real estate valuations.","document_number":"2024-16200","html_url":"https://www.federalregister.gov/documents/2024/07/26/2024-16200/interagency-guidance-on-reconsiderations-of-value-of-residential-real-estate-valuations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-26/pdf/2024-16200.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16200.pdf?1721911513","publication_date":"2024-07-26","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Reconsiderations of Value of Residential <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Valuations \n \n I. Introduction \n \n The agencies are issuing final interagency guidance (final guidance) on ROVs of residential <span class=\"match\">real</span> <span class=\"match\">estate</span> valuations.\n 1 \n \n The agencies considered the comments received on the proposed guidance, and as a result, made several edits to the final guidance, including clarifying the guidance's scope. The agencies are finalizing the guidance largely as proposed. This guidance is intended to highlight risks associated with deficient residential <span class=\"match\">real</span> <span class=\"match\">estate</span> valuations, describe how"},{"title":"Anti-Money Laundering Regulations for Residential Real Estate Transfers","type":"Proposed Rule","abstract":"FinCEN is issuing a proposed rule to require certain persons involved in real estate closings and settlements to submit reports and keep records on identified non-financed transfers of residential real property to specified legal entities and trusts on a nationwide basis. Transfers made directly to an individual would not be covered by this proposed rule. The proposed rule describes the circumstances in which a report must be filed, who must file a report, what information must be provided, and when a report is due. These reports are expected to assist the U.S. Department of the Treasury; Federal, State, and local law enforcement; and national security agencies in addressing illicit finance vulnerabilities in the U.S. residential real estate sector and to curtail the ability of illicit actors to anonymously launder illicit proceeds through the purchase of residential real property, which threatens U.S. economic and national security.","document_number":"2024-02565","html_url":"https://www.federalregister.gov/documents/2024/02/16/2024-02565/anti-money-laundering-regulations-for-residential-real-estate-transfers","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-16/pdf/2024-02565.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-02565.pdf?1707313524","publication_date":"2024-02-16","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"of the <span class=\"match\">real</span> <span class=\"match\">estate</span> sector must contend with the obfuscation of true ownership provided by legal entities or arrangements[.]” Financial Action Task Force, Guidance for a Risk Based Approach: <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Sector (July 2022), p. 17, \n available at https://www.fatf-gafi.org/content/dam/fatf-gafi/guidance/RBA-<span class=\"match\">Real</span>-<span class=\"match\">Estate</span>-Sector.pdf.coredownload.pdf. \n \n \n \n In addition to the law enforcement and national security concerns regarding abuse of the residential <span class=\"match\">real</span> <span class=\"match\">estate</span> sector, money laundering through residential <span class=\"match\">real</span> <span class=\"match\">estate</span> can distort <span class=\"match\">real</span> <span class=\"match\">estate</span> prices"},{"title":"Agency Information Collection Activity Under OMB Review: Request for Determination of Reasonable Value Real Estate","type":"Notice","abstract":"In compliance with the Paperwork Reduction Act (PRA) of 1995, this notice announces that the Veterans Benefits Administration, Department of Veterans Affairs, will submit the collection of information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the information collection and its expected cost and burden, and it includes the actual data collection instrument.","document_number":"2024-29659","html_url":"https://www.federalregister.gov/documents/2024/12/17/2024-29659/agency-information-collection-activity-under-omb-review-request-for-determination-of-reasonable","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-17/pdf/2024-29659.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29659.pdf?1734356729","publication_date":"2024-12-17","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":"collection by Title or “OMB Control No. 2900-0045.”\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n VA PRA information: Maribel Aponte, 202-461-8900, \n vacopaperworkreduact@va.gov. \n \n \n \n \n SUPPLEMENTARY INFORMATION: \n \n \n Title: \n Request for Determination of Reasonable Value <span class=\"match\">Real</span> <span class=\"match\">Estate</span> (VA Forms 26-1805, and 26-1805-1).\n \n \n OMB Control Number: \n 2900-0045 \n https://www.reginfo.gov/public/do/PRASearch. \n \n \n Type of Review: \n Revision of a currently approved collection.\n \n \n Abstract: \n VA utilizes Form 26-1805 (paper form) and 26-1805-1 (digital form)"},{"title":"Perchloroethylene (PCE) and Carbon Tetrachloride (CTC); Regulation Under the Toxic Substances Control Act (TSCA); Compliance Date Extensions","type":"Proposed Rule","abstract":"The Environmental Protection Agency (EPA or Agency) is proposing to extend certain compliance dates applicable to certain entities subject to the regulation of perchloroethylene (PCE) and carbon tetrachloride (CTC) under the Toxic Substances Control Act (TSCA). EPA is proposing to extend certain Workplace Chemical Protection Program (WCPP) compliance dates for non-federal owners and operators to match the compliance dates for federal agencies and their contractors. For both PCE and CTC, this proposal would extend the compliance date for initial monitoring for inhalation exposure to June 21, 2027, and extend the compliance date to meet the existing chemical exposure limit (ECEL), establish a regulated area, provide any required respiratory personal protective equipment (PPE), and establish a respiratory PPE program to September 20, 2027. For PCE, EPA is also proposing to extend the compliance date for non-federal entities to establish and implement an exposure control plan to December 20, 2027.","document_number":"2026-05977","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05977/perchloroethylene-pce-and-carbon-tetrachloride-ctc-regulation-under-the-toxic-substances-control-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05977.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05977.pdf?1774529113","publication_date":"2026-03-27","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"amend 40 CFR 751.607 to extend certain WCPP <span class=\"match\">compliance</span> dates for non-federal owners and operators to match the <span class=\"match\">compliance</span> dates for federal agencies and their contractors. Specifically, EPA proposes to extend the <span class=\"match\">compliance</span> date for initial monitoring from December 15, 2025, to June 21, 2027; extend the <span class=\"match\">compliance</span> date to meet the ECEL, establish a regulated area, provide any required respiratory PPE, and establish a respiratory PPE program from March 13, 2026, to September 20, 2027; and extend the <span class=\"match\">compliance</span> date to establish and implement an exposure"},{"title":"Gross Proceeds and Basis Reporting by Brokers and Determination of Amount Realized and Basis for Digital Asset Transactions","type":"Rule","abstract":"This document contains final regulations regarding information reporting and the determination of amount realized and basis for certain digital asset sales and exchanges. The final regulations require brokers to file information returns and furnish payee statements reporting gross proceeds and adjusted basis on dispositions of digital assets effected for customers in certain sale or exchange transactions. These final regulations also require real estate reporting persons to file information returns and furnish payee statements with respect to real estate purchasers who use digital assets to acquire real estate.","document_number":"2024-14004","html_url":"https://www.federalregister.gov/documents/2024/07/09/2024-14004/gross-proceeds-and-basis-reporting-by-brokers-and-determination-of-amount-realized-and-basis-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-09/pdf/2024-14004.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14004.pdf?1719605716","publication_date":"2024-07-09","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"}],"excerpts":"communication to the <span class=\"match\">real</span> <span class=\"match\">estate</span> reporting person, for example, to ensure that the value of the digital asset payment is reflected in any commissions or taxes due at closing, would constitute actual knowledge by the <span class=\"match\">real</span> <span class=\"match\">estate</span> reporting person that digital assets were used by the <span class=\"match\">real</span> <span class=\"match\">estate</span> buyer to make payment directly to the <span class=\"match\">real</span> <span class=\"match\">estate</span> seller.\n \n \n One comment recommended that to relieve burden on the <span class=\"match\">real</span> <span class=\"match\">estate</span> reporting person, the form on which the <span class=\"match\">real</span> <span class=\"match\">estate</span> seller's gross proceeds are reported (Form 1099-S, \n Proceeds From <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Transactions"},{"title":"Periodic Reporting","type":"Proposed Rule","abstract":"The Commission is acknowledging a recent Postal Service filing requesting the Commission initiate a rulemaking proceeding to consider changes to analytical principles relating to periodic reports. This document informs the public of the filing, invites public comment, and takes other administrative steps.","document_number":"2025-00153","html_url":"https://www.federalregister.gov/documents/2025/01/21/2025-00153/periodic-reporting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-21/pdf/2025-00153.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00153.pdf?1737121511","publication_date":"2025-01-21","agencies":[{"raw_name":"POSTAL REGULATORY COMMISSION","name":"Postal Regulatory Commission","id":409,"url":"https://www.federalregister.gov/agencies/postal-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/409","parent_id":null,"slug":"postal-regulatory-commission"}],"excerpts":"pursuant to 39 CFR 3050.11 requesting that the Commission initiate a rulemaking proceeding to consider changes to <span class=\"match\">analytical</span> principles relating to periodic reports.\n 1 \n \n The Petition presents an updated facility rental analysis used to distribute space provision costs to individual products in the \n Annual <span class=\"match\">Compliance</span> Report. \n Petition at 1.\n \n \n \n 1 \n  Petition of the United States Postal Service to Initiate a Proceeding to Change <span class=\"match\">Analytical</span> Principles and Notice of Filing Non-Public Materials, December 19, 2024 (Petition). The proposed change is attached"},{"title":"Agency Information Collection Activity Under OMB Review: Create Payment Request for the VA Funding Fee Payment System (VA FFPS); A Computer Generated Funding Fee Receipt","type":"Notice","abstract":"In compliance with the Paperwork Reduction Act (PRA) of 1995, this notice announces that the Veterans Benefits Administration, Department of Veterans Affairs, will submit the collection of information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the information collection and its expected cost and burden and it includes the actual data collection instrument.","document_number":"2026-06958","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06958/agency-information-collection-activity-under-omb-review-create-payment-request-for-the-va-funding","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06958.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06958.pdf?1775738714","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":"Revision of a currently approved collection.\n \n \n Abstract: \n A funding fee must be paid to VA before a loan can be guaranteed and evidence of guaranty issued. The funding fee is payable on all VA-guaranteed loans (\n i.e., \n assumptions, manufactured housing, refinances, and <span class=\"match\">real</span> <span class=\"match\">estate</span> purchase and construction loans). Lenders are required to pay the funding fee in an internet-based application, VA Funding Fee Payment System (FFPS), that permits lenders to pay the funding fee online to obtain a \n \n VA loan guaranty. The application calculates the appropriate"},{"title":"Agency Information Collection Activity Under OMB Review: Offer to Purchase and Contract of Sale, Credit Statement of Prospective Purchaser, Addendum To Offer To Purchase (Virginia)","type":"Notice","abstract":"In compliance with the Paperwork Reduction Act (PRA) of 1995, this notice announces that the Veterans Benefits Administration, Department of Veterans Affairs, will submit the collection of information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the information collection and its expected cost and burden and it includes the actual data collection instrument.","document_number":"2026-05060","html_url":"https://www.federalregister.gov/documents/2026/03/16/2026-05060/agency-information-collection-activity-under-omb-review-offer-to-purchase-and-contract-of-sale","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-16/pdf/2026-05060.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05060.pdf?1773405915","publication_date":"2026-03-16","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":"connection with the sale of VA-acquired properties. Each form has a new estimated burden. The information collected through these forms is necessary to identify the property, document, buyer and seller acknowledgements, support financing and contract actions, and complete the <span class=\"match\">real</span> <span class=\"match\">estate</span> transactions.\n \n \n An agency may not conduct or sponsor, and a person is not required to respond to a collection of information unless it displays a currently valid OMB control number. The \n Federal Register \n Notice with a 60-day comment period soliciting comments on this"},{"title":"Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts","type":"Notice","abstract":"The Office of the Comptroller of the Currency (OCC), Board of Governors of the Federal Reserve System (Board), Federal Deposit Insurance Corporation (FDIC), and National Credit Union Administration (NCUA) (the agencies), in consultation with state bank and credit union regulators, are issuing a final policy statement for prudent commercial real estate loan accommodations and workouts. The statement is relevant to all financial institutions supervised by the agencies. This updated policy statement builds on existing supervisory guidance calling for financial institutions to work prudently and constructively with creditworthy borrowers during times of financial stress, updates existing interagency supervisory guidance on commercial real estate loan workouts, and adds a section on short-term loan accommodations. The updated statement also addresses relevant accounting standard changes on estimating loan losses and provides updated examples of classifying and accounting for loans modified or affected by loan accommodations or loan workout activity.","document_number":"2023-14247","html_url":"https://www.federalregister.gov/documents/2023/07/06/2023-14247/policy-statement-on-prudent-commercial-real-estate-loan-accommodations-and-workouts","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-07-06/pdf/2023-14247.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-14247.pdf?1688561123","publication_date":"2023-07-06","agencies":[{"raw_name":"DEPARTMENT OF TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"Prudent Commercial <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Loan Accommodations and Workouts (proposed Statement).\n 2 \n \n The agencies considered all comments received and are issuing this final Statement largely as proposed, with certain clarifying changes based on comments received. The final Statement is described in Section II of the Supplementary Information.\n \n \n \n 2 \n  \n See \n OCC, FDIC, NCUA, Policy Statement on Prudent Commercial <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Loan Accommodations and Workouts, 87 FR 47273 (Aug. 2, 2022); Board Policy Statement on Prudent Commercial <span class=\"match\">Real</span> <span class=\"match\">Estate</span> Loan Accommodations"},{"title":"Permitted Payment Stablecoin Issuer Anti-Money Laundering/Countering the Financing of Terrorism Program and Sanctions Compliance Program Requirements","type":"Proposed Rule","abstract":"The Department of the Treasury's Financial Crimes Enforcement Network (FinCEN) and Office of Foreign Assets Control (OFAC) are jointly issuing this proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). Specifically, it implements the GENIUS Act's directive to treat permitted payment stablecoin issuers (PPSIs) as financial institutions for purposes of the Bank Secrecy Act, proposes anti-money laundering obligations for PPSIs, and proposes certain specific obligations required by the GENIUS Act for PPSIs. It also implements the GENIUS Act's directive to require PPSIs to maintain effective sanctions compliance programs.","document_number":"2026-06963","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06963/permitted-payment-stablecoin-issuer-anti-money-launderingcountering-the-financing-of-terrorism","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06963.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06963.pdf?1775738715","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of Foreign Assets Control","name":"Foreign Assets Control Office","id":203,"url":"https://www.federalregister.gov/agencies/foreign-assets-control-office","json_url":"https://www.federalregister.gov/api/v1/agencies/203","parent_id":497,"slug":"foreign-assets-control-office"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"cornerstone of OFAC's public outreach to all regulated industries, the <span class=\"match\">compliance</span> guidance and expectations detailed in the 2019 <span class=\"match\">Compliance</span> Framework consistently form the basis of OFAC's published guidance (\n e.g., \n sanctions advisories, <span class=\"match\">compliance</span> communiqués, and frequently asked questions), as well as specific guidance issued in response to public inquiries.\n \n \n \n 285 \n  \n See \n OFAC, \n A Framework for OFAC <span class=\"match\">Compliance</span> Commitments \n (May 2, 2019) [hereinafter \n 2019 <span class=\"match\">Compliance</span> Framework \n ], available at \n https://ofac.treasury.gov/media/16331/download"},{"title":"Adjusting and Indexing Certain Regulatory Thresholds","type":"Rule","abstract":"The Federal Deposit Insurance Corporation (FDIC) is adopting this final rule to amend certain regulatory thresholds in the FDIC's regulations to reflect inflation. Specifically, this final rule generally updates such thresholds to reflect inflation from the date of initial implementation or the most recent adjustment and provides for future adjustments pursuant to an indexing methodology. The changes set forth in this final rule preserve the level of certain thresholds set forth in the FDIC's regulations in real terms, thereby avoiding the undesirable and unintended outcome where the scope of applicability for a regulatory requirement changes due solely to inflation rather than actual changes in an institution's size, risk profile, or level of complexity.","document_number":"2025-21914","html_url":"https://www.federalregister.gov/documents/2025/12/04/2025-21914/adjusting-and-indexing-certain-regulatory-thresholds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-04/pdf/2025-21914.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21914.pdf?1764769513","publication_date":"2025-12-04","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"help preserve certain threshold levels in the FDIC's regulations in <span class=\"match\">real</span> terms to help maintain their intended application and policy objectives. The FDIC expects that the overall effect will reduce unnecessary <span class=\"match\">compliance</span> burden for IDIs, other financial institutions, and certain persons. \n Part 303—Filing Procedures \n \n Updating \n de minimis \n thresholds is expected to reduce the number of section 19 applications by an estimated one and two annually. This would lower <span class=\"match\">compliance</span> costs for affected IDIs and individuals and potentially provide more"},{"title":"Fiduciary Duties in Selecting Designated Investment Alternatives","type":"Proposed Rule","abstract":"This document contains a proposed regulation that clarifies, and provides a safe harbor for, a fiduciary's duty of prudence under the Employee Retirement Income Security Act of 1974 (ERISA) in connection with selecting designated investment alternatives for a participant-directed individual account plan, including asset allocation funds that include alternative assets. This proposal implements section 3(c) of President Trump's Executive Order 14330, Democratizing Access to Alternative Assets for 401(k) Investors.","document_number":"2026-06178","html_url":"https://www.federalregister.gov/documents/2026/03/31/2026-06178/fiduciary-duties-in-selecting-designated-investment-alternatives","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-31/pdf/2026-06178.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06178.pdf?1774901707","publication_date":"2026-03-31","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":"https://uncipc.org/wp-content/uploads/2025/03/Private-Risk-Adjusted-Returns-1.pdf. \n \n \n \n Expanding their analysis to <span class=\"match\">real</span> assets, the authors looked at the performance of private <span class=\"match\">real</span> <span class=\"match\">estate</span> and private infrastructure funds. They find that North American private <span class=\"match\">real</span> <span class=\"match\">estate</span> has performed comparably to North American public <span class=\"match\">real</span> <span class=\"match\">estate</span> on a risk adjusted basis, while private <span class=\"match\">real</span> <span class=\"match\">estate</span> in the rest of the world has underperformed public <span class=\"match\">real</span> <span class=\"match\">estate</span> markets.\n 171 \n \n When looking at infrastructure, they find that private infrastructure funds earned consistent"},{"title":"Agency Information Collection Activity: Application for Fee or Roster Personnel Designation","type":"Notice","abstract":"In compliance with the Paperwork Reduction Act (PRA) of 1995, this notice announces that the Veteran Benefit Administration, Department of Veterans Affairs, will submit the collection of information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the information collection and its expected cost and burden and it includes the actual data collection instrument.","document_number":"2024-13894","html_url":"https://www.federalregister.gov/documents/2024/06/25/2024-13894/agency-information-collection-activity-application-for-fee-or-roster-personnel-designation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-25/pdf/2024-13894.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13894.pdf?1719233124","publication_date":"2024-06-25","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":" OMB Control Number: \n 2900-0113 \n https://www.reginfo.gov/public/do/PRASearch. \n \n \n Type of Review: \n Revision of a currently approved collection.\n \n \n Abstract: \n VA Form 26-6681 solicits information on the fee personnel applicant's background and experience in the <span class=\"match\">real</span> <span class=\"match\">estate</span> valuation field. A fee appraiser is a qualified person requested by the Secretary to render an estimate of the reasonable value of a property, or of a specified type of property, within a stated area for the purpose of justifying the extension of credit to an eligible veteran"},{"title":"Removal of Interpretive Bulletins Relating to the Employee Retirement Income Security Act of 1974","type":"Rule","abstract":"This DFR removes from the Code of Federal Regulations prospectively certain interpretive bulletins under the Employee Retirement Income Security Act of 1974 that the Department of Labor (DOL) believes are obsolete. The obsolete interpretive bulletins were published shortly after ERISA's enactment in 1974 to provide compliance assistance for employee benefit plans, plan sponsors and fiduciaries. Because of subsequent guidance issued by the DOL, and the effect of Reorganization Plan No. 4 of 1978, the DOL believes the interpretive bulletins are no longer needed, and if left on the books, add potential confusion and unnecessary complexity. Removing obsolete regulations eliminates the burden on the public of having to determine whether they need to comply with the regulations. This action is being taken pursuant to Executive Order 14192, titled Unleashing Prosperity Through Deregulation (90 FR 9065, Feb. 6, 2025). This action improves the daily lives of the American people by reducing unnecessary, burdensome, and costly Federal regulations.","document_number":"2025-11613","html_url":"https://www.federalregister.gov/documents/2025/07/01/2025-11613/removal-of-interpretive-bulletins-relating-to-the-employee-retirement-income-security-act-of-1974","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-01/pdf/2025-11613.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-11613.pdf?1751287512","publication_date":"2025-07-01","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":"Opinion 2006-09A (Dec. 19, 2006)(individual retirement account (IRA) investment in notes offered by a corporation in which a son-in-law of the IRA owner is the majority stockholder); 2006-01A (Jan. 6, 2006)(IRA investment in a limited liability company that would purchase <span class=\"match\">real</span> <span class=\"match\">estate</span> and lease it to an entity in which the IRA owner has a 68% ownership interest).\n \n \n \n Interpretive Bulletin 75-6, codified at 29 CFR 2509.75-6, related to ERISA section 408(c)(2) and whether a plan could make an advance to a fiduciary to cover expenses to be properly and"},{"title":"Notice of Issuance of the Department of the Army Program Comment for Army Warfighting Readiness and Associated Infrastructure","type":"Notice","abstract":"The Advisory Council on Historic Preservation has issued a program comment for the U.S. Department of the Army that sets forth how the Army may comply with Section 106 of the National Historic Preservation Act on Army installations for its warfighting readiness activities and associated infrastructure, including: training, testing, equipping, and industrial activities and management actions on associated infrastructure.","document_number":"2026-08674","html_url":"https://www.federalregister.gov/documents/2026/05/05/2026-08674/notice-of-issuance-of-the-department-of-the-army-program-comment-for-army-warfighting-readiness-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-05/pdf/2026-08674.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08674.pdf?1777898746","publication_date":"2026-05-05","agencies":[{"raw_name":"ADVISORY COUNCIL ON HISTORIC PRESERVATION","name":"Advisory Council on Historic Preservation","id":225,"url":"https://www.federalregister.gov/agencies/advisory-council-on-historic-preservation","json_url":"https://www.federalregister.gov/api/v1/agencies/225","parent_id":null,"slug":"advisory-council-on-historic-preservation"}],"excerpts":"components—built infrastructure and natural infrastructure—collectively termed associated infrastructure. Built infrastructure includes the buildings and structures under Army <span class=\"match\">Real</span> Property Category Codes 1-8. Natural infrastructure is under Army <span class=\"match\">Real</span> Property Category Code 9 and incorporates all Army installation lands (see Appendices A and B). \n The military landscape <span class=\"match\">analytical</span> framework recognizes that each Army installation is a continuously evolving military landscape. Army military landscapes are defined by ongoing infrastructure change and modification"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"In accordance with the Privacy Act of 1974, the Department of the Army is modifying and reissuing a current system of records notice (SORN) titled \"Personnel Security Clearance Information Files,\" A0380-67 DAMI. The SORN is being retitled \"U.S. Army Security and Foreign Disclosure Files,\" with a new identifier of A0 0001 DAMI. Originally established to facilitate the processing of personnel security clearance actions, the SORN also documented clearances granted or denied and confirmed eligibility for access to classified information or assignment to sensitive positions. A separate notice rescinding Army SORN A0001 DAMI, \"Controlled Accountable Document Inventory System,\" is being published elsewhere in this issue of the Federal Register. This update incorporates the DoD standard routine uses and supports additional information sharing outside of the DoD. It also expands the authorities for maintaining the system, integrates records previously managed under the Controlled Accountable Document Inventory System, addresses records maintained across all general intelligence security disciplines, and expands on the purposes of such uses. Additionally, the update revises system locations and managers. These changes align the SORN with modernized automation systems and ensure compliance with applicable regulatory requirements.","document_number":"2026-01236","html_url":"https://www.federalregister.gov/documents/2026/01/23/2026-01236/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-23/pdf/2026-01236.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-01236.pdf?1769089514","publication_date":"2026-01-23","agencies":[{"raw_name":"DEPARTMENT OF DEFENSE","name":"Defense Department","id":103,"url":"https://www.federalregister.gov/agencies/defense-department","json_url":"https://www.federalregister.gov/api/v1/agencies/103","parent_id":null,"slug":"defense-department"},{"raw_name":"Department of the Army","name":"Army Department","id":32,"url":"https://www.federalregister.gov/agencies/army-department","json_url":"https://www.federalregister.gov/api/v1/agencies/32","parent_id":103,"slug":"army-department"}],"excerpts":"information technology systems, logs of printer, copier, and facsimile machine use, and information pertaining to the accountability, safeguarding, and disposition of classified and CUI material. \n N. U.S. and foreign finance and <span class=\"match\">real</span> <span class=\"match\">estate</span> information, including financial institutions names, account information and balances, <span class=\"match\">real</span> <span class=\"match\">estate</span> information, such as address, year of purchase and price, capital investment costs, lease or/rental information, asset information including year of lease or rental, monthly payments, deeds, lender/loan information and foreclosure"},{"title":"Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.","document_number":"2026-05960","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05960.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"increase their other assets lending at this scale, it may place downward pressure on loan prices.\n \n \n \n 161 \n  “Other <span class=\"match\">real</span> <span class=\"match\">estate</span> owned” assets are defined as <span class=\"match\">real</span> <span class=\"match\">estate</span> acquired in any manner for debts previously contracted (including, but not limited to, <span class=\"match\">real</span> <span class=\"match\">estate</span> acquired through foreclosure and <span class=\"match\">real</span> <span class=\"match\">estate</span> acquired by deed in lieu of foreclosure), even if the bank has not yet received title to the property, and <span class=\"match\">real</span> <span class=\"match\">estate</span> collateral underlying a loan when the bank has obtained physical possession of the collateral. Call Reports Schedule RC-F"},{"title":"Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations with significant trading activity (the proposal). The proposal would improve the regulatory capital framework for covered banking organizations by enhancing its risk sensitivity and consistency and by simplifying core components of its design. The agencies expect the proposal would support the safety and soundness of covered banking organizations and U.S. financial stability while promoting lending and other financial intermediation activities in the banking system over a range of economic conditions.","document_number":"2026-05959","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05959/regulatory-capital-rule-category-i-and-ii-banking-organizations-banking-organizations-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05959.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05959.pdf?1774529111","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures that are deemed prudently underwritten reflect reduced credit risk relative to those <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures that are not prudently underwritten.\n 86 \n \n The proposal would therefore differentiate the credit risk of <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures that are not statutory <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures by introducing the following categories: regulatory residential <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures, regulatory commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures, ADC exposures, and other <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures. The applicable risk weight for these <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures"},{"title":"Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL","type":"Proposed Rule","abstract":"The Board is inviting public comment on the models used to conduct the Board's supervisory stress test, changes to those models to be implemented in the 2026 stress test, and proposed changes to enhance the transparency and public accountability of the Board's stress testing framework (the proposal). The proposal would amend the Policy Statement on the Scenario Design Framework for Stress Testing, including to implement guides for additional scenario variables, and the Stress Testing Policy Statement. The proposal would also codify an enhanced disclosure process under which the Board would annually publish comprehensive documentation on the stress test models, invite public comment on any material changes that the Board seeks to make to those models, and annually publish the stress test scenarios for comment. Lastly, the proposal would make changes to the FR Y-14A/Q/M to remove items that are no longer needed to conduct the supervisory stress test and to collect additional data to support the stress test models and improve risk capture.","document_number":"2025-20211","html_url":"https://www.federalregister.gov/documents/2025/11/18/2025-20211/enhanced-transparency-and-public-accountability-of-the-supervisory-stress-test-models-and-scenarios","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-18/pdf/2025-20211.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-20211.pdf?1763387141","publication_date":"2025-11-18","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"Index Excluding Multifamily.\n \n \n In the supervisory stress test, commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> prices capture a key part of the risks to firms from their commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> exposures, which are reported by firms on FR Y-14Q, Schedule H.2. Most firms subject to the supervisory stress test have a substantial exposure to the commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> market. Moreover, commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> price build-ups often precede episodes of market stress. By incorporating commercial <span class=\"match\">real</span> <span class=\"match\">estate</span> prices into macroeconomic scenarios, supervisory stress tests help ensure"}]}