{"description":"Documents matching 'alleviate meaningful challenges smaller institutions'","count":1706,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=alleviate+meaningful+challenges+smaller+institutions&format=json&page=2","results":[{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is revising certain provisions of Regulation B, subpart B, which implements changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is amending coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of section 1071.","document_number":"2026-08494","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08494/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08494.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08494.pdf?1777564810","publication_date":"2026-05-01","agencies":[{"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":"emphasized that agricultural lenders have a significant impact on <span class=\"match\">small</span> business lending markets and should be covered by the rule. One community group noted that farms are <span class=\"match\">small</span> businesses that apply for agricultural loans and are therefore a subset of <span class=\"match\">small</span> business loans intended to be covered by section 1071. A <span class=\"match\">small</span> business advocacy group expressed concern that the proposed exclusion would prevent lenders and policymakers from addressing gaps in lending that threaten the livelihood of <span class=\"match\">small</span>, family-owned farms, and urged coverage of agricultural lending"},{"title":"Revisions to the Large Financial Institution Rating System and Framework for the Supervision of Insurance Organizations","type":"Notice","abstract":"The Board is adopting a final notice to revise its Large Financial Institution (LFI) rating system (LFI Framework) and the rating system for depository institution holding companies significantly engaged in insurance activities (Insurance Supervisory Framework, together with the LFI Framework, Frameworks) to more appropriately identify as \"well managed\" firms that have sufficient financial and operational strength and resilience to maintain safe and sound operations through a range of conditions, including stressful ones. The final notice also replaces the presumption in the Frameworks that firms with one or more Deficient-1 component ratings will be subject to a formal or informal enforcement action with a statement that such firms may be subject to a formal or informal enforcement action, depending on particular facts and circumstances. The final notice also removes a reference to reputational risk in the Insurance Supervisory Framework.","document_number":"2025-19945","html_url":"https://www.federalregister.gov/documents/2025/11/17/2025-19945/revisions-to-the-large-financial-institution-rating-system-and-framework-for-the-supervision-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19945.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19945.pdf?1763127914","publication_date":"2025-11-17","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":"requirements for new regulations that impose additional reporting, disclosure, or other requirements on insured depository <span class=\"match\">institutions</span> (IDIs), each Federal banking agency must consider, consistent with principles of safety and soundness and the public interest, any administrative burdens that such regulations would place on depository <span class=\"match\">institutions</span>, including <span class=\"match\">small</span> depository <span class=\"match\">institutions</span>, and customers of depository <span class=\"match\">institutions</span>, as well as the benefits of such regulations. In addition, section 302(b) of RCDRIA requires new regulations and amendments"},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","document_number":"2024-29699","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","agencies":[{"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":"only to very large financial <span class=\"match\">institutions</span>. The commenters stated that data cited in the proposed rule indicated that <span class=\"match\">smaller</span> financial <span class=\"match\">institutions</span> hold only 20 percent of deposits but receive 32 percent of overdraft fees. Commenters stated the CFPB's own data indicate that <span class=\"match\">smaller</span> financial <span class=\"match\">institutions</span> appear to receive similar or greater overdraft fees per account compared to larger financial <span class=\"match\">institutions</span>. \n Several industry commenters also maintained that applying the rule only to very large financial <span class=\"match\">institutions</span> would cause consumer confusion"},{"title":"Revisions to the Large Financial Institution Rating System and Framework for the Supervision of Insurance Organizations","type":"Notice","abstract":"The Board is seeking comment on proposed revisions to its Large Financial Institution (\"LFI\") rating system (\"LFI Framework\") and the ratings system for depository institution holding companies significantly engaged in insurance activities, referred to as supervised insurance organizations (\"Insurance Supervisory Framework,\" collectively with the LFI Framework, \"Frameworks\"), which is modeled on the LFI Framework. The proposal would revise the component ratings that a firm must receive to be considered \"well managed\" under the Frameworks. The proposed revisions reflect experience with the LFI Framework since its introduction in 2018. Specifically, the proposed changes aim to ensure that a firm's \"well managed\" status reflects that the firm has sufficient financial and operational strength and resilience to maintain safe-and-sound operations through a range of conditions, including stressful ones. The proposed revisions also seek to further align the application of the Frameworks with the operation of other existing supervisory ratings systems. The proposed revisions would not change the scope of firms to which the Frameworks apply. Other changes to the Frameworks and existing supervisory ratings systems will be considered in the future.","document_number":"2025-13223","html_url":"https://www.federalregister.gov/documents/2025/07/15/2025-13223/revisions-to-the-large-financial-institution-rating-system-and-framework-for-the-supervision-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-15/pdf/2025-13223.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-13223.pdf?1752497115","publication_date":"2025-07-15","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":"requirements for new regulations that impose additional reporting, disclosure, or other requirements on insured depository <span class=\"match\">institutions</span> (“IDIs”), each Federal banking agency must consider, consistent with principles of safety and soundness and the public interest, any administrative burdens that such regulations would place on depository <span class=\"match\">institutions</span>, including <span class=\"match\">small</span> depository <span class=\"match\">institutions</span>, and customers of depository <span class=\"match\">institutions</span>, as well as the benefits of such regulations. In addition, section 302(b) of RCDRIA requires new regulations and amendments"},{"title":"Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds","type":"Rule","abstract":"The Secretary amends the Student Assistance General Provisions regulations governing participation in the student financial assistance programs authorized under title IV of the Higher Education Act of 1965, as amended (HEA), to promote program integrity and institutional quality. These regulations clarify, update, and consolidate certain provisions that apply to distance education and the return of title IV, HEA funds. They also make technical changes to the TRIO program regulations to reflect the current status of the Republic of Palau as a member of the Freely Associated States. This document provides notice that the Department fully closes out the Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds notice of proposed rulemaking. That is, we will not be finalizing the remainder of the Federal TRIO program provisions but may promulgate through future rulemaking efforts.","document_number":"2024-31031","html_url":"https://www.federalregister.gov/documents/2025/01/03/2024-31031/program-integrity-and-institutional-quality-distance-education-and-return-of-title-iv-hea-funds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31031.pdf?1735566312","publication_date":"2025-01-03","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"\n ) to exempt <span class=\"match\">institutions</span> from performing an R2T4 calculation if: (1) a student is treated as never having begun attendance; (2) the <span class=\"match\">institution</span> returns all title IV, HEA assistance disbursed to the student for that payment period or period of enrollment; (3) the <span class=\"match\">institution</span> refunds all <span class=\"match\">institutional</span> charges to the student for that payment period or period of enrollment; and (4) the <span class=\"match\">institution</span> writes off or cancels any payment period or period of enrollment balance owed by the student to the <span class=\"match\">institution</span> due to the <span class=\"match\">institution's</span> returning of title"},{"title":"Final Priority and Definitions-Secretary's Supplemental Priority and Definitions on Promoting Patriotic Education","type":"Notice","abstract":"The Department of Education (Department) announces a final priority and definitions for use in currently authorized discretionary grant programs or programs that may be authorized in the future. The Secretary may choose to use the entire priority for a grant program or a particular competition or use one or more of the priority's component parts. The final priority and definitions augment the initial set of three Secretary's Supplemental Priorities on Evidence-Based Literacy, Educational Choice, and Returning Education to the States published as final priorities on September 9, 2025 (90 FR 43514); the Secretary's Supplemental Priority on Meaningful Learning Opportunities, published as a final priority on February 12, 2026 (91 FR 6625); the Secretary's Supplemental Priority on Advancing Artificial Intelligence in Education, published as a final priority on April 13, 2026 (91 FR 18774); and the Secretary's Supplemental Priority and Definitions on Career Pathways and Workforce Readiness, published as a final priority on April 13, 2026 (91 FR 18780).","document_number":"2026-10347","html_url":"https://www.federalregister.gov/documents/2026/05/22/2026-10347/final-priority-and-definitions-secretarys-supplemental-priority-and-definitions-on-promoting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-22/pdf/2026-10347.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10347.pdf?1779367519","publication_date":"2026-05-22","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"substantial economic impact on a substantial number of <span class=\"match\">small</span> entities. The U.S. <span class=\"match\">Small</span> \n \n Business Administration Size Standards define proprietary <span class=\"match\">institutions</span> as <span class=\"match\">small</span> businesses if they are independently owned and operated, are not dominant in their field of operation, and have total annual revenue below $7,000,000. Nonprofit <span class=\"match\">institutions</span> are defined as <span class=\"match\">small</span> entities if they are independently owned and operated and not dominant in their field of operation. Public <span class=\"match\">institutions</span> are defined as <span class=\"match\">small</span> organizations if they are operated by a government"},{"title":"Regulatory Capital Rule: Community Bank Leverage Ratio Framework","type":"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 adopting a final rule that lowers the community bank leverage ratio (CBLR) requirement from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule also extends the length of time that certain depository institutions and depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two consecutive quarters to four consecutive quarters, subject to a limit of eight quarters in the previous five- year period.","document_number":"2026-08298","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08298/regulatory-capital-rule-community-bank-leverage-ratio-framework","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08298.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08298.pdf?1777380314","publication_date":"2026-04-29","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":"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":"number of <span class=\"match\">small</span> entities on the <span class=\"match\">Small</span> Business Administration's size thresholds for commercial banks and savings <span class=\"match\">institutions</span> (NAICS Code: 522110), and trust companies (NAICS Code: 523991), which are $850 million and $47 million, respectively. Consistent with the General Principles of Affiliation 13 CFR 121.103(a), the OCC counted the assets of affiliated financial <span class=\"match\">institutions</span> when determining whether to classify an OCC-supervised <span class=\"match\">institution</span> as a <span class=\"match\">small</span> entity. The OCC used December 31, 2024, to determine size because a “financial <span class=\"match\">institution's</span> assets"},{"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":"percent.\n \n \n \n \n 127 \n  Estimated 46 <span class=\"match\">small</span> IDIs submitting PEC380s × 2.5 hours per PEC380 submission = 115 hours. 115 × $111.94 = $12,873.10 in total annual costs. $12,873.10/46 <span class=\"match\">small</span> IDIs = $279.85 per <span class=\"match\">small</span> IDI.\n \n \n \n \n 128 \n  FDIC Call Report Data, June 30, 2025. 46 estimated <span class=\"match\">small</span> IDIs submitting PEC380s/3,092 “<span class=\"match\">small</span>” IDIs ≉ 1.49 percent of <span class=\"match\">small</span> IDIs.\n \n \n Summary of Effects on <span class=\"match\">Small</span> Entities \n \n As of the quarter ending June 30, 2025, the FDIC insured 4,430 <span class=\"match\">institutions</span>, of which 3,092 are considered <span class=\"match\">small</span> for the purposes of the RFA. As of"},{"title":"Small Business Size Standards: Revised Size Standards Methodology","type":"Rule","abstract":"The U.S. Small Business Administration (SBA or Agency) advises the public that it has revised its size standards methodology white paper, entitled \"SBA's Size Standards Methodology (June 2024)\" (the Revised Methodology or Methodology), explaining how it establishes, reviews, or revises small business size standards. SBA will apply the Revised Methodology to the forthcoming third five-year review of size standards required by the Small Business Jobs Act of 2010. On December 11, 2023, SBA published a notification seeking comments on proposed revisions to its Methodology. This notification describes major changes to the Methodology and their impacts on size standards, followed by a discussion of the comments SBA received on the proposed revisions to the Methodology and Agency's responses.","document_number":"2024-20228","html_url":"https://www.federalregister.gov/documents/2024/09/12/2024-20228/small-business-size-standards-revised-size-standards-methodology","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-12/pdf/2024-20228.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-20228.pdf?1726058722","publication_date":"2024-09-12","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"excerpts":"competitive edge that large <span class=\"match\">small</span> businesses have over the “truly <span class=\"match\">small</span> businesses” (a phrase heard frequently from commentators). On the other hand, SBA also receives comments from larger <span class=\"match\">small</span> businesses that their size standards are too <span class=\"match\">small</span> to qualify for Federal contracting opportunities and other Federal <span class=\"match\">small</span> business assistance. This has always been a challenging issue, one that SBA has had to deal with over the years. SBA's size standards appear too large to the smallest of <span class=\"match\">small</span> businesses while larger <span class=\"match\">small</span> businesses often request even"},{"title":"Accountability in Higher Education and Access Through Demand- Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Earnings Accountability","type":"Rule","abstract":"The Secretary of Education (Secretary) amends the regulations governing institutional eligibility, general provisions, and the William D. Ford Direct Loan (Direct Loan) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement statutory changes to the title IV, HEA programs included in the Working Families Tax Cuts Act (WFTCA) signed into law by President Trump on July 4, 2025. These changes include revisions to program eligibility requirements for the Direct Loan program and the introduction of an earnings accountability framework that limits Direct Loan eligibility to programs whose graduates meet certain earnings benchmarks. This action finalizes regulations to implement the provisions of the WFTCA related to low-earning outcome programs and the Direct Loan program, and to harmonize those regulations with requirements for programs that are required to lead to gainful employment (GE programs).","document_number":"2026-13286","html_url":"https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-01/pdf/2026-13286.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13286.pdf?1782823517","publication_date":"2026-07-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"them from attending low-earning and high-cost degree programs. Certain <span class=\"match\">institutions</span> (mainly public and private non-profit <span class=\"match\">institutions</span>) will incur costs when programs they offer lose access to title IV, HEA funds under the regulations. Other <span class=\"match\">institutions</span> (such as proprietary <span class=\"match\">institutions</span>) will benefit as more programs in this sector will remain eligible for title IV, HEA funds. Taxpayers will incur new budget costs via an increase in transfers of title IV, HEA funds to <span class=\"match\">institutions</span> relative to prior regulations because these regulations result in a"},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) proposes to amend Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers applicable costs and losses. The proposal would allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.","document_number":"2024-01095","html_url":"https://www.federalregister.gov/documents/2024/02/23/2024-01095/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-23/pdf/2024-01095.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-01095.pdf?1708609514","publication_date":"2024-02-23","agencies":[{"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":"circumstances <span class=\"match\">smaller</span> financial <span class=\"match\">institutions</span> may face in adapting to the proposed regulatory framework, the CFPB is proposing not to extend the new rule to those <span class=\"match\">institutions</span> with $10 billion or less in assets. While the CFPB is not proposing any changes to the regulatory requirements for <span class=\"match\">smaller</span> financial <span class=\"match\">institutions</span>, the CFPB will continue to monitor the market in coordination with State and Federal supervisors. \n \n The CFPB seeks comment on its preliminary determination to apply the proposed rule only to very large financial <span class=\"match\">institutions</span> and on whether"},{"title":"Program Integrity and Institutional Quality: Distance Education, Return of Title IV, HEA Funds, and Federal TRIO Programs","type":"Proposed Rule","abstract":"The Secretary is proposing to amend the Student Assistance General Provisions regulations governing participation in the student financial assistance programs authorized under title IV of the Higher Education Act of 1965, as amended (HEA), to promote program integrity and institutional quality. These regulations would clarify, update, and consolidate certain provisions that apply to distance education; the return of title IV, HEA funds; and the Federal TRIO programs. A brief summary of the proposed rule is available at www.regulations.gov/ docket/ED-2024-OPE-0050.","document_number":"2024-16102","html_url":"https://www.federalregister.gov/documents/2024/07/24/2024-16102/program-integrity-and-institutional-quality-distance-education-return-of-title-iv-hea-funds-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-16102.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16102.pdf?1721738714","publication_date":"2024-07-24","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"treated as never having begun attendance; (2) the <span class=\"match\">institution</span> returns all title IV aid disbursed to the student for that payment period or period of enrollment; (3) the <span class=\"match\">institution</span> refunds all <span class=\"match\">institutional</span> charges to the student for that payment period or period of enrollment; and (4) the <span class=\"match\">institution</span> writes off or cancels any current year balance owed by the student to the <span class=\"match\">institution</span> due to the <span class=\"match\">institution's</span> return of title IV funds to the Department. \n • Amend § 668.22 to codify that an <span class=\"match\">institution</span> that is required to take attendance must, within"},{"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":"remain significant providers of <span class=\"match\">small</span> business credit. As of Q2 2025, category I and II banking organizations account for about 18 percent of <span class=\"match\">small</span> business loans below $1 million, and 33 percent of <span class=\"match\">small</span> business loans below $100,000. Source: FFIEC Call Report, Line Item “Loans to <span class=\"match\">Small</span> Businesses and <span class=\"match\">Small</span> Farms.” This may not capture all <span class=\"match\">small</span> business lending, as the line item only covers exposures of $1 million or less and extensions of credit to <span class=\"match\">small</span> businesses may fall into other categories, such as real estate exposures, for purposes of the"},{"title":"Adjusting and Indexing Certain Regulatory Thresholds","type":"Proposed Rule","abstract":"The Federal Deposit Insurance Corporation (FDIC) is inviting comment on a proposed rule that would amend certain regulatory thresholds in the FDIC's regulations to reflect inflation. Specifically, the proposal would generally update such thresholds to reflect inflation from the date of initial implementation or the most recent adjustment, and provide for future adjustments pursuant to an indexing methodology. The changes set forth in this proposal would provide a more durable regulatory framework by helping to preserve, in real terms, the level of certain thresholds set forth in the FDIC's regulations, 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":"2025-14132","html_url":"https://www.federalregister.gov/documents/2025/07/28/2025-14132/adjusting-and-indexing-certain-regulatory-thresholds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-28/pdf/2025-14132.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-14132.pdf?1753447511","publication_date":"2025-07-28","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":"thresholds in real terms would reduce compliance burden at <span class=\"match\">smaller</span> <span class=\"match\">institutions</span> related to extensive data gathering, documentation, and review. Further, <span class=\"match\">smaller</span> <span class=\"match\">institutions</span> typically operate with fewer personnel than larger <span class=\"match\">institutions</span>, which can divert resources and add to the burden borne by <span class=\"match\">smaller</span> community <span class=\"match\">institutions</span> in complying with part 363. Additionally, burdens associated with complying with audit committee composition requirements can be challenging for <span class=\"match\">smaller</span> community <span class=\"match\">institutions</span>, especially in rural areas, whereby it can be difficult"},{"title":"Medicare and Medicaid Programs; Patient Protection and Affordable Care Act; Interoperability Standards and Prior Authorization for Drugs for Medicare Advantage Organizations, Medicaid Managed Care Plans, State Medicaid Agencies, Children's Health Insurance Program (CHIP) Agencies and CHIP Managed Care Entities, and Issuers of Qualified Health Plans on the Federally-Facilitated Exchanges","type":"Proposed Rule","abstract":"These proposals are intended to improve the electronic exchange of health care data and streamline processes related to prior authorization by increasing the interoperability of systems used across the health care industry. We are proposing new requirements for Medicare Advantage (MA) organizations, state Medicaid fee-for-service (FFS) programs, state Children's Health Insurance Program (CHIP) FFS programs, Medicaid managed care plans, CHIP managed care entities, and Qualified Health Plan (QHP) issuers on the Federally-facilitated Exchanges (FFEs), including issuers that offer small group market QHPs on the Federally-facilitated Small Business Health Options Program (FF- SHOP) Exchanges (hereinafter referred to as \"small group market QHP issuers on the FF-SHOPs\") (collectively \"impacted payers\"), to make available electronic prior authorization for drugs. We are also proposing to extend many existing interoperability requirements for the prior authorization of non-drug items and services to include prior authorizations for drugs to further reduce patient and provider burden. We are also proposing to require impacted payers to report their application programming interfaces (API) endpoints and related information for the Patient Access, Provider Directory, Provider Access, Payer-to-Payer, and Prior Authorization APIs to CMS. To help assess the impact of our policies, we are proposing to collect API usage metrics. In addition, we are proposing to apply the existing interoperability requirements to small group market QHP issuers on the FF-SHOPs as impacted payers. To improve impacted payers' ability to exchange health information while continuing CMS's drive toward interoperability, we are proposing to require certain Health Level Seven (HL7[supreg]) Fast Healthcare Interoperability Resources (FHIR[supreg]) implementation guides (IGs) that are currently recommended. In addition, HHS is proposing to adopt the HL7 FHIR base standard and certain associated specifications and IGs as the Health Insurance Portability and Accountability Act of 1996 (hereinafter referred to as \"HIPAA\") (Pub. L. 104-191, enacted Aug. 21, 1996) standards for dental, professional, and institutional \"referral certification and authorization\" transactions and \"eligibility for a health plan\" transactions associated with prior authorization. We are proposing to add a definition for \"failure to report,\" which would allow CMS to impose a civil monetary penalty (CMP) on applicable manufacturers or applicable group purchasing organizations (GPOs) if those entities fail to grant CMS timely access to documents for the purposes of an audit. Finally, ONC is using this rulemaking to propose to adopt updated versions of certain health information technology (health IT) standards and specifications for HHS use, such as CMS's interoperability requirements, to support a more robust health IT infrastructure.","document_number":"2026-07205","html_url":"https://www.federalregister.gov/documents/2026/04/14/2026-07205/medicare-and-medicaid-programs-patient-protection-and-affordable-care-act-interoperability-standards","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-14/pdf/2026-07205.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07205.pdf?1775852111","publication_date":"2026-04-14","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"raw_name":"Office of the Secretary"}],"excerpts":"to analyze options for regulatory relief of <span class=\"match\">small</span> entities. For purposes of the IRFA, HHS estimates that many impacted payers and HIPAA covered entities are <span class=\"match\">small</span> entities, as that term is used in the IRFA, either by being nonprofit organizations or by meeting the <span class=\"match\">Small</span> Business Administration (SBA) definition of a <span class=\"match\">small</span> business. <span class=\"match\">Small</span> entities include <span class=\"match\">small</span> businesses, nonprofit organizations, and <span class=\"match\">small</span> governmental jurisdictions. Individuals and states are not included in the definition of a <span class=\"match\">small</span> entity. Executive Order 13272 requires that HHS"},{"title":"Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is issuing a notice and request for comment on proposed revisions to the Federal Reserve Policy on Payment System Risk (PSR Policy), including the proposed addition of a new Part IV, to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve Banks (Reserve Banks) to utilize in evaluating requests for access to Reserve Bank account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve Banks to pause decisions on requests for Reserve Bank accounts and services from institutions that are Tier 3 under the Account Access Guidelines until the Board has completed its policy development process on the Payment Account proposal.","document_number":"2026-10375","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10375/proposed-revisions-to-the-federal-reserve-policy-on-payment-system-risk-and-the-guidelines-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10375.pdf?1779453911","publication_date":"2026-05-26","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":"requests from legally eligible <span class=\"match\">institutions</span>. The Guidelines incorporate a tiering framework under which access requests from certain types of entities (\n e.g., \n non-federally insured <span class=\"match\">institutions</span>) are subject to greater due diligence and scrutiny than access requests from other types of entities (\n e.g., \n federally insured <span class=\"match\">institutions</span>). The tiering framework acknowledges the spectrum of regulatory and supervisory frameworks that apply to <span class=\"match\">institutions</span> that may request access. For example, federally insured <span class=\"match\">institutions</span> (Tier 1) are subject to a comprehensive"},{"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":"are authorized to engage, and thus proposes exercising its 31 U.S.C. 5312(a)(2)(Y) authority to expressly define PPSIs as financial <span class=\"match\">institutions</span> under the BSA.\n \n 2. PPSIs' Relationship to Other Types of Financial <span class=\"match\">Institutions</span> \n PPSIs will be uniquely positioned relative to other kinds of financial <span class=\"match\">institutions</span>. In some cases, PPSIs may be subsidiaries of depository <span class=\"match\">institutions</span>. In other cases, a single <span class=\"match\">institution</span> may be subject to BSA obligations as both a bank and a PPSI. Stablecoin issuers that may become PPSIs are currently regulated as MSBs"},{"title":"Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Earnings Accountability","type":"Proposed Rule","abstract":"The Secretary of Education (Secretary) proposes to amend the regulations governing institutional eligibility, general provisions regulations, and the William D. Ford Direct Loan (Direct Loan) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs). The proposed regulations would implement statutory changes to the title IV, HEA programs included in the One Big Beautiful Bill Act (OBBB), signed by President Trump on July 4, 2025. The OBBB made numerous changes to the HEA, including changes to program eligibility requirements for the Direct Loan program and the introduction of an earnings accountability framework that is intended to limit Direct Loan eligibility to programs whose graduates meet certain earnings benchmarks. This document proposes regulations, based on consensus reached during negotiated rulemaking, to implement the provisions of the OBBB related to low-earning outcome programs and the Direct Loan program, and to harmonize those regulations with requirements for programs that are required to lead to gainful employment (GE programs).","document_number":"2026-07666","html_url":"https://www.federalregister.gov/documents/2026/04/20/2026-07666/accountability-in-higher-education-and-access-through-demand-driven-workforce-pell-student-tuition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-20/pdf/2026-07666.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07666.pdf?1776429919","publication_date":"2026-04-20","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"eligible <span class=\"match\">institution</span> located in a State, the comparison group is based on data from the Census Bureau, using the median earnings for working adults aged 25-34 with only a high school diploma (or recognized equivalent), who worked and were not enrolled in an eligible <span class=\"match\">institution</span>. The Department uses data for the State in which the <span class=\"match\">institution</span> is located, or national data if fewer than 50 percent of the students enrolled in the <span class=\"match\">institution</span> are from the State where the <span class=\"match\">institution</span> is located. \n For graduate programs offered by an eligible <span class=\"match\">institution</span> located"},{"title":"Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Pell Grant Exclusion Relating to Other Grant Aid; and Workforce Pell Grants","type":"Rule","abstract":"The Secretary of Education (Secretary) amends the regulations governing institutional eligibility, general provisions, and the Federal Pell Grant (Pell Grant) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs). The final regulations implement statutory changes to the title IV, HEA programs included in the Working Families Tax Cuts Act (WFTCA), signed into law by President Trump on July 4, 2025. In the NPRM, we referenced the WFTCA as the \"One Big Beautiful Bill\"; however, for clarity and consistency in this final rule, we will instead use WFTCA. The WFTCA made numerous changes to the HEA, including changes to student eligibility requirements for the Pell Grant Program and the establishment of Workforce Pell Grants for students who enroll in a new type of eligible program called an \"eligible workforce program,\" intended to be a high-quality, performance-based, short-term program that supports America's workforce needs.","document_number":"2026-10013","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10013/accountability-in-higher-education-and-access-through-demand-driven-workforce-pell-pell-grant","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10013.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10013.pdf?1779108315","publication_date":"2026-05-19","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"must meet the definition of <span class=\"match\">institution</span> of higher education under Section 101 or Section 102 of the Higher Education Act.\n 2 \n \n There are different types of <span class=\"match\">institutions</span> of higher education under these provision, but all <span class=\"match\">institutions</span> must “provide [ ] an educational program” \n 3 \n \n or provide a “program of training” \n 4 \n \n to students. And in all these instances, the subject the statute is referring to is the <span class=\"match\">institution</span>—meaning the <span class=\"match\">institution</span> must provide the program or training to students. If the eligible <span class=\"match\">institution</span> enters into a contract that"},{"title":"Enhancement of Emerging Growth Company Accommodations and Simplification of Filer Status for Reporting Companies","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") proposes amendments to streamline filer statuses for Securities Exchange Act of 1934 (\"Exchange Act\") reporting companies into two primary categories: large accelerated filers and non-accelerated filers. The Commission further proposes to raise the threshold and seasoning requirements for large accelerated filer status and extend certain existing accommodations and scaled disclosures, including those for smaller reporting companies and emerging growth companies, to all non-accelerated filers, while continuing to require compliance with non-scaled disclosure from large accelerated filers. The Commission also proposes to extend the deadlines to file periodic reports for the smallest non-accelerated filers, as measured by total assets. Finally, the Commission also proposes to update the rules that define which issuers are considered small entities for purposes of the Regulatory Flexibility Act (\"RFA\").","document_number":"2026-10222","html_url":"https://www.federalregister.gov/documents/2026/05/21/2026-10222/enhancement-of-emerging-growth-company-accommodations-and-simplification-of-filer-status-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-21/pdf/2026-10222.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10222.pdf?1779281120","publication_date":"2026-05-21","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"sections 3(b), 12, 13, 14(a), 15(d), 23(a), and 36 of the Exchange Act, as amended. \n C. <span class=\"match\">Small</span> Entities Subject to the Proposed Amendments \n \n The proposed amendments to the filer status framework, including to the filer status categories and their associated disclosure requirements, would apply to registrants that are <span class=\"match\">small</span> entities, either as issuers or as investment companies. The RFA defines “<span class=\"match\">small</span> entity” to mean “<span class=\"match\">small</span> business,” “<span class=\"match\">small</span> organization,” or “<span class=\"match\">small</span> governmental jurisdiction.” \n 475 \n \n For purposes of the Regulatory Flexibility Act"}]}