{"description":"Documents matching 'bankruptcy appeared credit report more'","count":1839,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=bankruptcy+appeared+credit+report+more&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":"broadly defined a “covered <span class=\"match\">credit</span> transaction” as an extension of business <span class=\"match\">credit</span> that is not specifically excluded. While the rule enumerated certain exclusions—such as trade <span class=\"match\">credit</span>, HMDA-<span class=\"match\">reportable</span> transactions, insurance premium financing, public utilities <span class=\"match\">credit</span>, securities <span class=\"match\">credit</span>, and incidental <span class=\"match\">credit</span>—\n \n it aimed for broad coverage to prevent evasion and ensure a complete data set. Consequently, the 2023 final rule encompassed a wide range of <span class=\"match\">credit</span> products, including merchant cash advances and agricultural <span class=\"match\">credit</span>.\n \n In the 2025 proposed"},{"title":"Staff Report on the Definitions of “Security-Based Swap Dealer” and “Major Security-Based Swap Participant”","type":"Notice","abstract":"The Securities and Exchange Commission directed staff to prepare and is now publishing a report examining the effect and application of the definitions of \"security-based swap dealer\" and \"major security-based swap participant.\" Those definitions include an exception from designation as a security-based swap dealer for an entity that engages in a de minimis quantity of security-based swap dealing, as well as separate thresholds below which an entity would not become a major security-based swap participant. As provided in the Commission's rules, nine months after publication of this report and after considering any public comments received, the Commission may by order either terminate the phase-in period for the de minimis thresholds, thereby allowing thresholds of $3 billion for credit default swaps that constitute security-based swaps and $150 million for non-credit default swaps that constitute security-based swaps to take effect and replace the current phase-in thresholds of $8 billion and $400 million, respectively, or propose different thresholds through rulemaking; however, the Commission has issued an order providing a temporary exemption that has the effect of continuing to apply the phase-in thresholds of $8 billion and $400 million until May 8, 2028. The public is invited to comment on all aspects of this report, which may inform the Commission's consideration of potential changes to the de minimis exception and the rules further defining the terms \"security-based swap dealer\" and \"major security-based swap participant.\"","document_number":"2026-08558","html_url":"https://www.federalregister.gov/documents/2026/05/04/2026-08558/staff-report-on-the-definitions-of-security-based-swap-dealer-and-major-security-based-swap","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-04/pdf/2026-08558.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08558.pdf?1777639507","publication_date":"2026-05-04","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":"SBS transaction <span class=\"match\">reports</span>, however, are not addressed in CFTC swap <span class=\"match\">reporting</span> requirements. For example, market participants must <span class=\"match\">report</span> the product ID of an SBS pursuant to Regulation SBSR rather than pursuant to the CFTC's swap <span class=\"match\">reporting</span> rules, which do not address SBS product IDs. \n See \n Rule 901(c)(1).\n \n \n \n \n 27 \n  SBS <span class=\"match\">reporting</span> does not include some trade information that is required for swap <span class=\"match\">reporting</span> but not required under Regulation SBSR. Where relevant, this <span class=\"match\">report</span> discusses any such differences in SBS and swap <span class=\"match\">reporting</span>.\n \n \n \n \n 28 \n  Version"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","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":"consumer <span class=\"match\">reporting</span> agency's medical debt information <span class=\"match\">reporting</span> responsibilities are impacted when creditors are prohibited from obtaining or using medical debt information. As discussed in <span class=\"match\">more</span> detail in part IV.C, \n Limits on a Consumer <span class=\"match\">Reporting</span> Agency's Disclosure of Medical Debt Information, \n final § 1022.38 provides that a consumer <span class=\"match\">reporting</span> agency is permitted to include medical debt information in a consumer <span class=\"match\">report</span> furnished to a creditor for <span class=\"match\">credit</span> eligibility purposes only if the following criteria are met: (1) the consumer <span class=\"match\">reporting</span> agency"},{"title":"Fair Credit Reporting; Background Screening","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing this advisory opinion to affirm that, when preparing consumer reports, a consumer reporting agency that reports public record information is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act (FCRA) if it does not have certain procedures in place. For example, it must have procedures that prevent reporting of information that is duplicative or that has been expunged, sealed, or otherwise legally restricted from public access. This advisory opinion also highlights certain aspects of the reporting period for adverse items under FCRA section 605(a)(5).","document_number":"2024-00788","html_url":"https://www.federalregister.gov/documents/2024/01/23/2024-00788/fair-credit-reporting-background-screening","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-23/pdf/2024-00788.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-00788.pdf?1705931115","publication_date":"2024-01-23","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":"when preparing consumer <span class=\"match\">reports</span>, a consumer <span class=\"match\">reporting</span> agency that <span class=\"match\">reports</span> public record information is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair <span class=\"match\">Credit</span> <span class=\"match\">Reporting</span> Act (FCRA) if it does not have certain procedures in place. For example, it must have procedures that prevent <span class=\"match\">reporting</span> of information that is duplicative or that has been expunged, sealed, or otherwise legally restricted from public access. This advisory opinion also highlights certain aspects of the <span class=\"match\">reporting</span> period for adverse items"},{"title":"Form PF; Reporting Requirements for All Filers","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (the \"CFTC\") and the Securities and Exchange Commission (the \"SEC\") (collectively, \"we\" or the \"Commissions\") are proposing to amend Form PF, the confidential reporting form for certain SEC-registered investment advisers to private funds, including those that also are registered with the CFTC as a commodity pool operator (a \"CPO\") or a commodity trading advisor (a \"CTA\"). The proposed amendments would eliminate certain filing and reporting obligations, streamline certain requirements, and make corrections and other revisions. The proposed amendments are designed to eliminate certain burdens, among other things.","document_number":"2026-07993","html_url":"https://www.federalregister.gov/documents/2026/04/24/2026-07993/form-pf-reporting-requirements-for-all-filers","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-24/pdf/2026-07993.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07993.pdf?1776948313","publication_date":"2026-04-24","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"},{"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":"Adviser Counterparty Exposure <span class=\"match\">Reporting</span> \n M. Eliminate Rehypothecation <span class=\"match\">Reporting</span> \n N. Amendments to Large Hedge Fund Adviser Current <span class=\"match\">Reporting</span> \n 1. Modify the Current <span class=\"match\">Reporting</span> Filing Deadline \n 2. Eliminate Current <span class=\"match\">Reporting</span> for Notice of Margin Default or Determination of Inability To Meet a Call for Margin, Collateral or Equivalents \n 3. Streamline <span class=\"match\">Reporting</span> of “Operations Events” \n 4. Eliminate Current <span class=\"match\">Reporting</span> for Inability To Satisfy Redemption Requests \n O. Eliminate Form PF Private Equity Quarterly <span class=\"match\">Reporting</span> in Section 6 \n P. Other Corrections"},{"title":"Implementing the Guiding and Establishing National Innovation for U.S. Stablecoins Act for the Issuance of Stablecoins by Entities Subject to the Jurisdiction of the National Credit Union Administration","type":"Proposed Rule","abstract":"The NCUA Board (Board) is seeking comment on proposed regulations to implement portions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). The GENIUS Act charges the NCUA with licensing, regulating, and supervising Payment Stablecoin issuers that are subsidiaries of federally insured credit unions (FICU subsidiaries). In February 2026, the NCUA issued proposed regulations to govern investments in and licensing of permitted payment stablecoin issuers subject to the NCUA's jurisdiction. This current proposal supplements the previous proposal and would govern the issuance of Payment Stablecoins and certain related activities by entities subject to the NCUA's jurisdiction. This proposal would also make amendments to address share insurance coverage, tokenized shares, and other conforming and clarifying amendments.","document_number":"2026-09915","html_url":"https://www.federalregister.gov/documents/2026/05/18/2026-09915/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-18/pdf/2026-09915.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-09915.pdf?1778849126","publication_date":"2026-05-18","agencies":[{"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":"reserve in tokenized form represents? What related <span class=\"match\">reporting</span> requirements would be appropriate?\n \n \n Question 88: \n Should the values and information in the monthly <span class=\"match\">report</span> be required to be as of a particular date or time? Alternatively, should PPSIs publish on their websites a <span class=\"match\">report</span> showing the real-time values of the items required in the monthly composition <span class=\"match\">report</span>? Having the most recent information will make the <span class=\"match\">more</span> <span class=\"match\">report</span> <span class=\"match\">more</span> useful, and the NCUA invites comment on how much real-time <span class=\"match\">reporting</span> is feasible and whether it may only be feasible"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","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":"Consumer <span class=\"match\">Credit</span> and the Removal of Medical Collections from <span class=\"match\">Credit</span> <span class=\"match\">Reports</span>, \n at 2 (Apr. 2023), \n https://files.consumerfinance.gov/f/documents/cfpb_consumer-<span class=\"match\">credit</span>-removal-medical-collections-from-<span class=\"match\">credit</span>-reports_2023-04.pdf. \n \n \n \n Generally, information about a medical debt on a consumer <span class=\"match\">report</span> <span class=\"match\">appears</span> as a collection tradeline. After a medical debt has been placed by the creditor in collections status because the debt has been unpaid for a period of time, the medical debt may be furnished as a collections tradeline to consumer <span class=\"match\">reporting</span> agencies"},{"title":"Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is charged with promoting competition and innovation in consumer financial products and services. After careful study of emerging offerings in the paycheck advance marketplace, including those marketed as \"earned wage advances\" and \"earned wage access,\" the CFPB is proposing this interpretive rule to help market participants determine when certain existing requirements under Federal law are triggered. The proposed interpretive rule would also address certain costs that are in substantial connection with extensions of such credit, such as expedited delivery fees and costs marketed as \"tips.\"","document_number":"2024-16827","html_url":"https://www.federalregister.gov/documents/2024/07/31/2024-16827/truth-in-lending-regulation-z-consumer-credit-offered-to-borrowers-in-advance-of-expected-receipt-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-31/pdf/2024-16827.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16827.pdf?1722343528","publication_date":"2024-07-31","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":"cost of <span class=\"match\">credit</span> for the faster form of <span class=\"match\">credit</span>. Though consumers may not have to opt for faster funds, when they do so, the resulting speed is a feature of the <span class=\"match\">credit</span> extended, so the resulting fee is part of the cost of <span class=\"match\">credit</span>. As observed by the Board of Governors of the Federal Reserve System, “even though a lender may not require a particular loan feature, the feature may become a term of the <span class=\"match\">credit</span> if it is included.” \n 42 \n \n The speed with which earned wage <span class=\"match\">credit</span> provides liquidity to the consumer is an integral feature of such <span class=\"match\">credit</span>, which"},{"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":"effectively two Exchange Act filer statuses: a “default” category of issuers that filed periodic <span class=\"match\">reports</span> on Forms 10-K and 10-Q under Regulation S-K, and a small business issuer category that filed periodic <span class=\"match\">reports</span> on Forms 10-KSB and 10-QSB under Regulation S-B. Commission rules applied uniform filing deadlines to all Exchange Act <span class=\"match\">reporting</span> companies' periodic <span class=\"match\">reports</span>: 90 days after fiscal year end for annual <span class=\"match\">reports</span>, and 45 days after quarter end for quarterly <span class=\"match\">reports</span>. \n B. Accelerated Filer Status; Sarbanes-Oxley Act \n \n Following a series of corporate"},{"title":"Credit Card Penalty Fees (Regulation Z)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) amends Regulation Z, which implements the Truth in Lending Act (TILA), to address late fees charged by card issuers that together with their affiliates have one million or more open credit card accounts (referred to as \"Larger Card Issuers\" herein). This final rule adopts a late fee safe harbor threshold of $8 for those issuers and provides that the annual adjustments to reflect changes in the Consumer Price Index (CPI) do not apply to this $8 amount.","document_number":"2024-05011","html_url":"https://www.federalregister.gov/documents/2024/03/15/2024-05011/credit-card-penalty-fees-regulation-z","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-15/pdf/2024-05011.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-05011.pdf?1710420318","publication_date":"2024-03-15","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":" CFPB, \n <span class=\"match\">Credit</span> Card Late Fees, \n at 4 (Mar. 2022) (Late Fee <span class=\"match\">Report</span>), \n https://files.consumerfinance.gov/f/documents/cfpb_credit-card-late-fees_report_2022-03.pdf. \n \n \n \n \n 30 \n  2013 <span class=\"match\">Report</span>, at 23.\n \n \n \n \n 31 \n  CFPB, \n The Consumer <span class=\"match\">Credit</span> Card Market, \n at 69 (Dec. 2019) (2019 <span class=\"match\">Report</span>), \n https://files.consumerfinance.gov/f/documents/cfpb_consumer-<span class=\"match\">credit</span>-card-market-report_2019.pdf. \n \n \n \n \n 32 \n  Late Fee <span class=\"match\">Report</span>, at 6.\n \n \n \n \n 33 \n  Late Fee <span class=\"match\">Report</span>, at 5; CFPB, \n The Consumer <span class=\"match\">Credit</span> Card Market, \n at 55 (Sept. 2021) (2021 <span class=\"match\">Report</span>), \n https://files"},{"title":"Abandoned Plan Regulations","type":"Rule","abstract":"This rulemaking amends the Abandoned Plan Program regulations that provide streamlined procedures for the termination of, and distribution of benefits from, individual account pension plans that have been abandoned by their sponsoring employers. The regulations, which were adopted in 2006 under the Employee Retirement Income Security Act of 1974, as amended (\"ERISA\"), did not cover individual account pension plans whose sponsors are in liquidation under chapter 7 of the U.S. Bankruptcy Code. These interim final rules expand the regulations to cover these plans so that bankruptcy trustees may use the Abandoned Plan Program's streamlined procedures to terminate and wind them up. Other technical amendments also are being made to improve the efficiency and operation of the Abandoned Plan Program. The amendments will affect employee benefit plans (primarily small defined contribution plans), participants and beneficiaries, service providers, and individuals appointed to serve as bankruptcy trustees under chapter 7 of the U.S. Bankruptcy Code. The Department is also issuing an amendment to PTE 2006-06, the prohibited transaction exemption accompanying the Abandoned Plan Program regulations, elsewhere in this issue of the Federal Register.","document_number":"2024-09029","html_url":"https://www.federalregister.gov/documents/2024/05/17/2024-09029/abandoned-plan-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-17/pdf/2024-09029.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09029.pdf?1715863513","publication_date":"2024-05-17","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":"IFR does not confer upon any party to the <span class=\"match\">bankruptcy</span> proceeding the ability to make a claim upon any bond held by the eligible designee under the Federal Rules of <span class=\"match\">Bankruptcy</span> Procedure.\n 15 \n \n The Department views the <span class=\"match\">bankruptcy</span> trustees' and eligible designees' activities under the Abandoned Plan Program as subject to ERISA and Department oversight. This would include, for example, a <span class=\"match\">bankruptcy</span> trustee's designation of an independent <span class=\"match\">bankruptcy</span> trustee practitioner as an eligible designee, a <span class=\"match\">bankruptcy</span> trustee's or eligible designee's hiring of"},{"title":"Protecting Americans From Harmful Data Broker Practices (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a proposed rule for public comment to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA). The proposed rule would implement the FCRA's definitions of consumer report and consumer reporting agency as well as certain of the FCRA's provisions governing when consumer reporting agencies may furnish, and users may obtain, consumer reports. The proposed rule is designed to, among other things, ensure that the FCRA's protections are applied to sensitive consumer information that the statute was enacted to protect, including information sold by data brokers.","document_number":"2024-28690","html_url":"https://www.federalregister.gov/documents/2024/12/13/2024-28690/protecting-americans-from-harmful-data-broker-practices-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-13/pdf/2024-28690.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-28690.pdf?1734011119","publication_date":"2024-12-13","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":"McNamara Jr., \n The Fair <span class=\"match\">Credit</span> <span class=\"match\">Reporting</span> Act: A Legislative Overview, \n 22 J. Public Law 67, 77-88 (1973) (hereinafter Fair <span class=\"match\">Credit</span> <span class=\"match\">Reporting</span> Act: A Legislative Overview).\n \n \n \n \n 4 \n  115 Cong. Rec. S2410 (daily ed. Jan. 31, 1969) (statement of Sen. William Proxmire) (“For example, the Associated <span class=\"match\">Credit</span> Bureaus of America have over 2,200 members serving 400,000 creditors in 36,000 communities. These <span class=\"match\">credit</span> bureaus maintain <span class=\"match\">credit</span> files on <span class=\"match\">more</span> than 110 million individuals and in 1967 they issued over 97 million <span class=\"match\">credit</span> <span class=\"match\">reports</span>.”).\n \n \n \n \n 5 \n  115"},{"title":"Connect America Fund et al.","type":"Rule","abstract":"In this document, the Federal Communications Commission (the Commission) makes targeted modifications to the requirements for letters of credit (LOCs) that recipients of Universal Service Fund (USF) high-cost support awarded through a competitive process must obtain.","document_number":"2025-02953","html_url":"https://www.federalregister.gov/documents/2025/02/24/2025-02953/connect-america-fund-et-al","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-02-24/pdf/2025-02953.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-02953.pdf?1740145509","publication_date":"2025-02-24","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"have met all of their <span class=\"match\">reporting</span> and deployment obligations to similarly reduce the value of their letters of <span class=\"match\">credit</span> consistent with the RDOF rules. Reducing the required letter of <span class=\"match\">credit</span> values for qualifying RDOF and CAF II support recipients will facilitate broadband deployment by reducing the amount of capital providers must maintain for the required letters of <span class=\"match\">credit</span>. \n The record provides broad support for the Commission to use a standard other than a Weiss B− safety rating for banks to qualify to issue letters of <span class=\"match\">credit</span>. The record also broadly"},{"title":"Proposal To Provide Exemptive Relief To Facilitate Cross-Margining of Customer Positions Cleared at Chicago Mercantile Exchange, Inc. and Fixed Income Clearing Corporation","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (\"CFTC\" or \"Commission\") is proposing to issue an order pursuant to the Commodity Exchange Act (\"CEA\") that would provide exemptive relief from the CEA and Commission regulations related to segregation and protection of futures customer funds. The order would permit joint clearing members of the Chicago Mercantile Exchange, Inc. (\"CME\") and the Fixed Income Clearing Corporation (\"FICC\") that are dually registered as broker-dealers with the Securities and Exchange Commission (\"SEC\") and futures commission merchants (\"FCMs\") with the Commission (\"BD-FCMs\") to hold futures customer funds in a commingled customer account at FICC.","document_number":"2025-23150","html_url":"https://www.federalregister.gov/documents/2025/12/17/2025-23150/proposal-to-provide-exemptive-relief-to-facilitate-cross-margining-of-customer-positions-cleared-at","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-17/pdf/2025-23150.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23150.pdf?1765892727","publication_date":"2025-12-17","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"applying subchapter IV of chapter 7 of the <span class=\"match\">Bankruptcy</span> Code and part 190 of the Commission's regulations regarding <span class=\"match\">bankruptcy</span>. This ensures that during a BD-FCM <span class=\"match\">bankruptcy</span>, all commingled customer funds in the futures account would receive similar protections, and non-participating customers would not experience a shortfall of the commingled customer funds caused by different treatment of cross-margining futures customer funds in <span class=\"match\">bankruptcy</span>. \n Third, as described above, the risk that in the event of FICC's <span class=\"match\">bankruptcy</span> there would be any shortfall in the"},{"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":"about overdraft <span class=\"match\">credit</span> has become a much <span class=\"match\">more</span> serious concern.\n \n Key Changes \n Given these changes over the past 30 years and consistent with TILA's purpose of promoting the informed use of <span class=\"match\">credit</span>, the CFPB is updating several non-statutory exceptions in Regulation Z to extend consumer <span class=\"match\">credit</span> protections that generally apply to other forms of consumer <span class=\"match\">credit</span> to certain overdraft <span class=\"match\">credit</span> provided by very large financial institutions. These changes will allow consumers to better compare certain overdraft <span class=\"match\">credit</span> to other types of <span class=\"match\">credit</span> and will provide"},{"title":"Order Providing Exemptive Relief To Facilitate Cross-Margining of Customer Positions Cleared at Chicago Mercantile Exchange, Inc. and Fixed Income Clearing Corporation","type":"Rule","abstract":"The Commodity Futures Trading Commission (\"CFTC\" or \"Commission\") is issuing an order pursuant to the Commodity Exchange Act (\"CEA\") that provides exemptive relief from the CEA and Commission regulations related to segregation and protection of futures customer funds. The order permits joint clearing members of the Chicago Mercantile Exchange, Inc. (\"CME\") and the Fixed Income Clearing Corporation (\"FICC\") that are dually registered as broker-dealers with the Securities and Exchange Commission (\"SEC\") and futures commission merchants (\"FCMs\") with the Commission (\"BD-FCMs\") to hold futures customer funds in a commingled customer account at FICC.","document_number":"2026-07643","html_url":"https://www.federalregister.gov/documents/2026/04/20/2026-07643/order-providing-exemptive-relief-to-facilitate-cross-margining-of-customer-positions-cleared-at","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-20/pdf/2026-07643.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07643.pdf?1776429916","publication_date":"2026-04-20","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"Collateral Posted by Cross-Margining Customers in the Event of a FICC <span class=\"match\">Bankruptcy</span> or a Proceeding Under Title II of the Dodd-Frank Act \n \n FCM customer funds that are held at a registered DCO, such as CME, will be protected in the unlikely event of the <span class=\"match\">bankruptcy</span> of that DCO under subchapter IV of chapter 7 of the <span class=\"match\">Bankruptcy</span> Code, pertaining to commodity brokers.\n 58 \n \n The term “commodity broker” includes both FCMs and DCOs.\n 59 \n \n Subchapter IV of chapter 7 of the <span class=\"match\">Bankruptcy</span> Code, and Part 190, which implements those statutory provisions, provide"},{"title":"Prohibited Transaction Exemption 2006-06 for Services Provided in Connection With the Termination of Abandoned Individual Account Plans","type":"Rule","abstract":"This document gives notice of an amendment to prohibited transaction exemption (PTE) 2006-06, a class exemption issued under the Employee Retirement Income Security Act of 1974 (ERISA). The exemption permits a \"qualified termination administrator\" (QTA) of an individual account pension plan that has been abandoned by its sponsoring employer to select itself to provide services to the plan in connection with the plan's termination and pay itself fees for the services. This amendment to PTE 2006-06 permits chapter 7 trustees who elect to be QTAs to rely on the exemption. This amendment to PTE 2006- 06 also permits \"eligible designees\" of such chapter 7 trustees to rely on the exemption. The amendment is issued in connection with amendments to three related regulations under ERISA, published elsewhere in this issue of the Federal Register, that provide streamlined procedures for the termination of, and distribution of benefits from, abandoned individual account pension plans. The amendment would affect employee pension benefit plans (primarily small defined contribution plans), participants and beneficiaries of such plans, service providers, and individuals appointed to serve as bankruptcy trustees under chapter 7 of the U.S. Bankruptcy Code.","document_number":"2024-09030","html_url":"https://www.federalregister.gov/documents/2024/05/17/2024-09030/prohibited-transaction-exemption-2006-06-for-services-provided-in-connection-with-the-termination-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-17/pdf/2024-09030.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09030.pdf?1715863513","publication_date":"2024-05-17","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":"designee should be the only entity authorizing appropriate payments to the <span class=\"match\">bankruptcy</span> trustee.\n \n \n \n 17 \n  \n See \n 29 CFR 2578.1(e)(4).\n \n \n 3. The “Designating <span class=\"match\">Bankruptcy</span> Trustee” \n \n The amendment includes a new defined term for a “Designating <span class=\"match\">Bankruptcy</span> Trustee.” \n 18 \n \n A Designating <span class=\"match\">Bankruptcy</span> Trustee is a <span class=\"match\">bankruptcy</span> trustee that designates an eligible designee instead of serving as the QTA itself.\n 19 \n \n Importantly, this amendment would allow the Designating <span class=\"match\">Bankruptcy</span> Trustee to provide services to the plan before designating an eligible"},{"title":"Premerger Notification; Reporting and Waiting Period Requirements","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\"), with the concurrence of the Assistant Attorney General, Antitrust Division, Department of Justice (\"Assistant Attorney General\" or \"Antitrust Division\") (together the \"Agencies\"), is issuing this final rule and Statement of Basis and Purpose (\"SBP\") to amend the Premerger Notification Rules (the \"Rules\") that implement the Hart-Scott-Rodino Antitrust Improvement Act (\"the HSR Act\" or \"HSR\"), including the Premerger Notification and Report Form for Certain Mergers and Acquisitions (\"Form\") and Instructions to the Notification and Report Form for Certain Mergers and Acquisitions (\"Instructions\"). The final rule requires parties to transactions that are reportable under the HSR Act to provide documentary material and information that are necessary and appropriate for the Agencies to efficiently and effectively conduct an initial assessment to determine whether the transaction may violate the antitrust laws and whether to issue a Request for Additional Information (\"Second Request\") as provided by the HSR Act. In addition, the final rule implements certain requirements of the Merger Filing Fee Modernization Act of 2022 (\"Merger Modernization Act\") and ministerial changes to the Rules as well as the necessary amendments to the Instructions to effect the final changes.","document_number":"2024-25024","html_url":"https://www.federalregister.gov/documents/2024/11/12/2024-25024/premerger-notification-reporting-and-waiting-period-requirements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-12/pdf/2024-25024.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25024.pdf?1731073564","publication_date":"2024-11-12","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2010 appendix A (FY 2010) (<span class=\"match\">reporting</span> Adjusted Transactions in which a Second Request could have been issued from years 2001-2010); Fed. Trade Comm'n &amp; U.S. Dep't of Justice, Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2013 appendix A (FY 2013) (<span class=\"match\">reporting</span> Adjusted Transactions in which a Second Request could have been issued from years 2004-2013); Fed. Trade Comm'n &amp; U.S. Dep't of Justice, Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2022 appendix A (FY 2022) (<span class=\"match\">reporting</span> Adjusted Transactions in"},{"title":"Consistent Basis Reporting Between Estate and Person Acquiring Property From Decedent","type":"Rule","abstract":"This document contains final regulations that provide guidance on the statutory requirement that a recipient's basis in certain property acquired from a decedent be consistent with the value of the property as finally determined for Federal estate tax purposes. In addition, the final regulations provide guidance on the statutory requirements that executors and other persons provide basis information to the IRS and to the recipients of certain property. The final regulations regarding the statutory consistent basis requirement affect recipients of property acquired from a decedent if the inclusion of the value of the property in the decedent's gross estate increases the Federal estate tax liability. The final regulations regarding the statutory basis reporting requirements affect executors and other persons required to file an estate tax return based on the value of the decedent's gross estate and the amount of decedent's lifetime adjusted taxable gifts, as well as trustees making in-kind distributions of property initially acquired from a decedent that was subject to the statutory basis reporting requirements.","document_number":"2024-20429","html_url":"https://www.federalregister.gov/documents/2024/09/17/2024-20429/consistent-basis-reporting-between-estate-and-person-acquiring-property-from-decedent","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-17/pdf/2024-20429.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-20429.pdf?1726490715","publication_date":"2024-09-17","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":"1014-10(c)(1)(i)(C) and 1.1014-10(d)(5) to remove the reference to the prepayment of estate tax as a <span class=\"match\">credit</span>, because an estate tax prepayment is not an identified <span class=\"match\">credit</span> but instead is a payment of estate tax.\n \n \n Commenters inquired whether the allowable <span class=\"match\">credits</span> referenced in proposed § 1.1014-10(b)(1) include <span class=\"match\">credits</span> provided under treaties. One commenter inquired whether, in order to treat the prorated unified <span class=\"match\">credit</span> under section 2102(b)(3) of the Code as an allowable <span class=\"match\">credit</span>, the executor is required to attach a Form 8833, \n Treaty-Based Return Position Disclosure"},{"title":"Resolution Plans Required for Insured Depository Institutions With $100 Billion or More in Total Assets; Informational Filings Required for Insured Depository Institutions With at Least $50 Billion but Less Than $100 Billion in Total Assets","type":"Rule","abstract":"The FDIC is adopting this final rule to require the submission of resolution plans by insured depository institutions (IDIs) with $100 billion or more in total assets and informational filings by IDIs with at least $50 billion but less than $100 billion in total assets. The final rule modifies the current rule requirements regarding the content and timing of full resolution submissions, as well as interim supplements to those submissions provided to the FDIC, in order to support the FDIC's resolution readiness in the event of material distress and failure of these large IDIs. The final rule also enhances how the credibility of full resolution submissions will be assessed, expands expectations regarding engagement and capabilities testing, and explains expectations regarding the FDIC's review, feedback, and enforcement of IDIs' compliance with the rule.","document_number":"2024-13982","html_url":"https://www.federalregister.gov/documents/2024/07/09/2024-13982/resolution-plans-required-for-insured-depository-institutions-with-100-billion-or-more-in-total","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-09/pdf/2024-13982.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13982.pdf?1720442715","publication_date":"2024-07-09","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":"33 are group A CIDIs that <span class=\"match\">reported</span> total average assets of $100 billion or <span class=\"match\">more</span> over their four most recent Consolidated <span class=\"match\">Reports</span> of Condition and Income, and 12 are group B CIDIs that <span class=\"match\">reported</span> total assets of at least $50 billion, but less than $100 billion, over their four most recent Consolidated <span class=\"match\">Reports</span> of Condition and Income. In the aggregate, these 45 CIDIs held a combined $17.951 trillion in total assets, accounting for about 74% of total U.S. banking industry assets.\n 19 \n \n \n \n \n 19 \n  FDIC Consolidated <span class=\"match\">Reports</span> of Condition and Income data"}]}