{"description":"Documents matching 'charged collection consumer reporting actual'","count":5276,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=charged+collection+consumer+reporting+actual&format=json&page=2","results":[{"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":"notify <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agencies of such status).\n \n \n \n \n 35 \n  <span class=\"match\">Consumer</span> Fin. Prot. Bureau, \n Paid and Low-Balance Medical <span class=\"match\">Collections</span> on <span class=\"match\">Consumer</span> Credit <span class=\"match\">Reports</span> \n (July 27, 2022), \n https://www.consumerfinance.gov/data-research/research-<span class=\"match\">reports</span>/paid-and-low-balance-medical-<span class=\"match\">collections</span>-on-<span class=\"match\">consumer</span>-credit-<span class=\"match\">reports</span>/. \n \n \n \n A 2022 review of <span class=\"match\">consumer</span> complaints submitted to the CFPB found that many <span class=\"match\">consumers</span> complaining of disputed debt <span class=\"match\">collection</span> attempts <span class=\"match\">reported</span> first learning of the debt from viewing their <span class=\"match\">consumer</span> <span class=\"match\">report</span>. <span class=\"match\">Consumers</span> expressed"},{"title":"Fair Lending Report of the Consumer Financial Protection Bureau","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending Report of the Consumer Financial Protection Bureau (Fair Lending Report) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This report describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2023.","document_number":"2024-14533","html_url":"https://www.federalregister.gov/documents/2024/07/02/2024-14533/fair-lending-report-of-the-consumer-financial-protection-bureau","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-02/pdf/2024-14533.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14533.pdf?1719837925","publication_date":"2024-07-02","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":"ACTION: \n Fair Lending <span class=\"match\">Report</span> of the <span class=\"match\">Consumer</span> Financial Protection Bureau. \n \n \n SUMMARY: \n The <span class=\"match\">Consumer</span> Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending <span class=\"match\">Report</span> of the <span class=\"match\">Consumer</span> Financial Protection Bureau (Fair Lending <span class=\"match\">Report</span>) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This <span class=\"match\">report</span> describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education"},{"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":"direct-to-<span class=\"match\">consumer</span> providers are now connecting directly to payroll records and recouping funds from payroll deductions, and ongoing State legal developments may cause them to limit their recourse options as well.\n 5 \n \n \n \n \n 5 \n  \n See 2024 Paycheck Advance <span class=\"match\">Report</span>, supra \n note 2, at 4 n.7. Several recently enacted State laws prohibit providers of earned wage products, including direct-to-<span class=\"match\">consumer</span> products, from compelling <span class=\"match\">consumer</span> repayment of earned wage amounts and fees through various means, such as lawsuits or third-party debt <span class=\"match\">collection</span>. \n See"},{"title":"Telemarketing Sales Rule Fees","type":"Rule","abstract":"The Federal Trade Commission (\"Commission\") is amending its Telemarketing Sales Rule (\"TSR\") by updating the fees charged to entities accessing the National Do Not Call Registry (\"Registry\") as required by the Do-Not-Call Registry Fee Extension Act of 2007.","document_number":"2025-16430","html_url":"https://www.federalregister.gov/documents/2025/08/27/2025-16430/telemarketing-sales-rule-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-27/pdf/2025-16430.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16430.pdf?1756212327","publication_date":"2025-08-27","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":" the Office of Management and Budget (“OMB”) approved the information <span class=\"match\">collection</span> requirements in the TSR and assigned the following existing OMB Control Number: 3084-0169. The amendments outlined in this final rule pertain only to the fee provision (§ 310.8) of the TSR and will not establish or alter any record keeping, <span class=\"match\">reporting</span>, or third-party disclosure requirements elsewhere in the TSR. \n \n List of Subjects in 16 CFR Part 310 \n Advertising, <span class=\"match\">Consumer</span> protection, <span class=\"match\">Reporting</span> and recordkeeping requirements, Telephone, Trade practices. \n \n Accordingly"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule to rescind its rule requiring certain types of nonbank covered persons subject to certain final public orders obtained or issued by a government agency in connection with the offering or provision of a consumer financial product or service to report the existence of the orders and related information to a Bureau registry.","document_number":"2025-19689","html_url":"https://www.federalregister.gov/documents/2025/10/29/2025-19689/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-29/pdf/2025-19689.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19689.pdf?1761655507","publication_date":"2025-10-29","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":"risks posed to <span class=\"match\">consumers</span> by violations of Federal <span class=\"match\">consumer</span> financial law, including repeat violations. The NBR Rule generally found that such outcomes, if achieved, would be beneficial to <span class=\"match\">consumers</span>.\n \n \n Underlying the purported utility of the NBR Rule was the Bureau's repeated assertion that the registry established by the rule would help to address risks to <span class=\"match\">consumers</span> related to corporate recidivism engaged in by covered nonbanks. For example, the Bureau stated that the NBR Rule would “focus on monitoring for risks to <span class=\"match\">consumers</span> related to repeat"},{"title":"Supervisory Highlights: Servicing and Collection of Consumer Debt, Issue 34, Summer 2024","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing its thirty fourth edition of Supervisory Highlights.","document_number":"2024-15960","html_url":"https://www.federalregister.gov/documents/2024/07/19/2024-15960/supervisory-highlights-servicing-and-collection-of-consumer-debt-issue-34-summer-2024","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-19/pdf/2024-15960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15960.pdf?1721306732","publication_date":"2024-07-19","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":"Supervisory Highlights \n focuses on the <span class=\"match\">Consumer</span> Financial Protection Bureau's (CFPB's) work in connection with debt <span class=\"match\">collection</span>. The <span class=\"match\">collection</span> of debt is an important and necessary part of the <span class=\"match\">consumer</span> financial marketplace, whether through servicing of current loans or the <span class=\"match\">collection</span> of delinquent debt. But servicing and <span class=\"match\">collections</span> also present risk of harm to <span class=\"match\">consumers</span> if handled improperly, particularly where there are violations of applicable law. This edition highlights violations of law and <span class=\"match\">consumer</span> harm in the areas of auto and student loan"},{"title":"Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections (or their remedies) granted by State or Federal law. The proposal would also prohibit contract terms that limit free expression, including with threats of account closure, fines, or breach of contract claims, as well as other contract terms. The proposal would also codify certain longstanding prohibitions under the Federal Trade Commission's (FTC) Credit Practices Rule.","document_number":"2025-00633","html_url":"https://www.federalregister.gov/documents/2025/01/14/2025-00633/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2025-00633.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00633.pdf?1736775933","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":"protect or benefit <span class=\"match\">consumers</span>. Congress has enacted numerous <span class=\"match\">consumer</span> protection laws, including the Federal <span class=\"match\">consumer</span> financial laws administered by the CFPB (such as the CFPA, the Truth in Lending Act (TILA), the Fair Credit <span class=\"match\">Reporting</span> Act (FCRA), the Fair Debt <span class=\"match\">Collection</span> Practices Act (FDCPA), and the Electronic Fund Transfers Act (EFTA)), the Bankruptcy Code, antitrust laws, and laws protecting servicemembers (such as the Military Lending Act and the Servicemembers Civil Relief Act). Many States have also passed analogous <span class=\"match\">consumer</span> protection or antitrust"},{"title":"Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act (FDCPA) and Regulation F's prohibitions on false, deceptive, or misleading representations or means in connection with the collection of any medical debt and unfair or unconscionable means to collect or attempt to collect any medical debts.","document_number":"2024-22962","html_url":"https://www.federalregister.gov/documents/2024/10/04/2024-22962/debt-collection-practices-regulation-f-deceptive-and-unfair-collection-of-medical-debt","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-04/pdf/2024-22962.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22962.pdf?1727959529","publication_date":"2024-10-04","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":" \n \n \n \n 24 \n  \n See \n CFPB, \n Fair Debt <span class=\"match\">Collection</span> Practices Act CFPB Annual <span class=\"match\">Report</span> 2023 \n (Nov. 16, 2023); \n https://www.consumerfinance.gov/data-research/research-<span class=\"match\">reports</span>/fair-debt-<span class=\"match\">collection</span>-practices-act-cfpb-annual-<span class=\"match\">report</span>-2023/. \n \n \n \n \n 25 \n  \n See \n CFPB, \n Fair Debt <span class=\"match\">Collection</span> Practices Act CFPB Annual <span class=\"match\">Report</span> 2023 \n (Nov. 16, 2023), \n https://www.consumerfinance.gov/data-research/research-<span class=\"match\">reports</span>/fair-debt-<span class=\"match\">collection</span>-practices-act-cfpb-annual-<span class=\"match\">report</span>-2023/; \n CFPB, \n Nursing Home Debt <span class=\"match\">Collection</span> \n (Sept. 9, 2022), \n https://www.consumerfinance"},{"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":"that a <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agency furnishes a <span class=\"match\">consumer</span> <span class=\"match\">report</span> to a person when the <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agency facilitates the person's use of the <span class=\"match\">consumer</span> <span class=\"match\">report</span> for the person's financial gain, even if the <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agency does not technically transfer the <span class=\"match\">consumer</span> <span class=\"match\">report</span> to the person; \n • Provides that the FCRA provision that authorizes a <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agency to furnish a <span class=\"match\">consumer</span> <span class=\"match\">report</span> in accordance with the written instructions of the <span class=\"match\">consumer</span> can be used to obtain a <span class=\"match\">consumer</span> <span class=\"match\">report</span> for any reason specified by a <span class=\"match\">consumer</span>, but only"},{"title":"Incarcerated People's Communications Services; Implementation of the Martha Wright-Reed Act; Rates for Interstate Inmate Calling Services","type":"Rule","abstract":"In this document, the Wireline Competition Bureau and the Consumer and Governmental Affairs Bureau (the Bureaus) of the Federal Communications Commission (FCC or Commission) adopt an Order revising the instructions, reporting templates, and certification form for the annual reports submitted by providers of communications services to incarcerated people and waiving the filing deadline for the 2025 Annual Reports.","document_number":"2025-03142","html_url":"https://www.federalregister.gov/documents/2025/03/12/2025-03142/incarcerated-peoples-communications-services-implementation-of-the-martha-wright-reed-act-rates-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-03-12/pdf/2025-03142.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-03142.pdf?1741697109","publication_date":"2025-03-12","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":"of the Annual <span class=\"match\">Report</span> instructions, template, and certification form. The Bureaus also implement additional improvements based on their experience reviewing prior Annual <span class=\"match\">Reports</span>, such as simplifying the <span class=\"match\">collection</span> in some respects and revising the instructions to facilitate providers' compliance with the <span class=\"match\">collection</span>. These improvements will make the submitted <span class=\"match\">reports</span> more useful to the Commission and <span class=\"match\">consumers</span>. \n As a general matter, the Bureaus maintain the existing Excel-format template and Word-format template for the Annual <span class=\"match\">Reports</span> to better separate"},{"title":"Labor Organization Annual Financial Reports","type":"Rule","abstract":"The Department of Labor (Department) publishes this combined final rule to its regulations to improve its LM Labor Organization Annual Financial Reports by establishing a longer LM form for the largest labor organizations (Form LM-2 Long Form), revising a slightly shorter form for most labor organizations at and above the $350,000 threshold (Form LM-2), making a parallel revision to Form LM-3, and updating reporting thresholds for Forms LM-3 and LM-4 to promote financial integrity and transparency. The final rule applies prospectively under section 208 of the Labor-Management Reporting and Disclosure Act of 1959 (LMRDA).","document_number":"2026-10849","html_url":"https://www.federalregister.gov/documents/2026/06/01/2026-10849/labor-organization-annual-financial-reports","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-01/pdf/2026-10849.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10849.pdf?1780058719","publication_date":"2026-06-01","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Office of Labor-Management Standards","name":"Labor-Management Standards Office","id":274,"url":"https://www.federalregister.gov/agencies/labor-management-standards-office","json_url":"https://www.federalregister.gov/api/v1/agencies/274","parent_id":271,"slug":"labor-management-standards-office"}],"excerpts":"disbursements <span class=\"match\">reported</span> to officers and employees in (1) the salaries <span class=\"match\">reported</span> in Column D; (2) the allowances <span class=\"match\">reported</span> in Column E; (3) the reimbursed expenses <span class=\"match\">reported</span> in Column F; and (4) other disbursements <span class=\"match\">reported</span> in Column G.\n \n For example, the district director continued, the <span class=\"match\">report</span> of salaries paid to an officer/employee could be broken down and <span class=\"match\">reported</span> in the following categories: (1) Salary, (2) lost wages, and (3) bonuses. In another example, the <span class=\"match\">reporting</span> of reimbursed expenses paid to an officer/employee could be <span class=\"match\">reported</span> in the following"},{"title":"Refunds and Other Consumer Protections","type":"Rule","abstract":"The U.S. Department of Transportation (Department or DOT) is requiring automatic refunds to consumers when a U.S. air carrier or a foreign air carrier cancels or makes a significant change to a scheduled flight to, from, or within the United States and the consumer is not offered or rejects alternative transportation and travel credits, vouchers, or other compensation. These automatic refunds must be provided promptly, i.e., within 7 business days for credit card payments and within 20 calendar days for other forms of payment. To ensure consumers know when they are entitled to a refund, the Department is requiring carriers and ticket agents to inform consumers of their right to a refund if that is the case before making an offer for alternative transportation, travel credits, vouchers, or other compensation in lieu of refunds. Also, the Department is defining, for the first time, the terms \"significant change\" and \"cancellation\" to provide clarity and consistency to consumers with respect to their right to a refund. The Department is also requiring refunds to consumers for fees for ancillary services that passengers paid for but did not receive and for checked baggage fees if the bag is significantly delayed. For consumers who are unable to or advised not to travel as scheduled on flights to, from, or within the United States because of a serious communicable disease, the Department is requiring that carriers provide travel vouchers or credits that are transferrable and valid for at least 5 years from the date of issuance. Carriers may require consumers to provide documentary evidence demonstrating that they are unable to travel or have been advised not to travel to support their request for a travel voucher or credit, unless the Department of Health and Human Services (HHS) publishes guidance declaring that requiring such documentary evidence is not in the public interest.","document_number":"2024-07177","html_url":"https://www.federalregister.gov/documents/2024/04/26/2024-07177/refunds-and-other-consumer-protections","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-26/pdf/2024-07177.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07177.pdf?1714049126","publication_date":"2024-04-26","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"stated that it planned to address protections for these <span class=\"match\">consumers</span> in a rulemaking.\n 3 \n \n \n \n \n 2 \n  <span class=\"match\">Report</span> to the White House Competition Council: U.S. Department of Transportation's Investigatory, Enforcement and Other Activities Addressing Lack of Timely Airline Ticket Refunds Associated with the COVID-19 Pandemic (Refund <span class=\"match\">Report</span>) (September 9, 2021) at \n https://www.transportation.gov/individuals/aviation-<span class=\"match\">consumer</span>-protection/dot-<span class=\"match\">report</span>-airline-ticket-refunds. \n \n \n \n \n 3 \n  Refund <span class=\"match\">Report</span> at pages 11-12.\n \n \n The Executive Order in Section 5, paragraph(m)(i)(D)"},{"title":"Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is rescinding an advisory opinion issued in December 2020 regarding Regulation B, which implements the Equal Credit Opportunity Act (ECOA), as it applies to certain aspects of special purpose credit programs designed and implemented by for-profit organizations to meet special social needs.","document_number":"2026-12149","html_url":"https://www.federalregister.gov/documents/2026/06/17/2026-12149/equal-credit-opportunity-regulation-b-special-purpose-credit-programs-rescission","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-17/pdf/2026-12149.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12149.pdf?1781613910","publication_date":"2026-06-17","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_Accessibility@cfpb.gov. \n \n \n \n \n SUPPLEMENTARY INFORMATION: \n \n The <span class=\"match\">Consumer</span> Financial Protection Bureau (Bureau) is <span class=\"match\">charged</span> with administering the Equal Credit Opportunity Act (ECOA or the Act).\n 1 \n \n ECOA prohibits discrimination by a creditor in any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, age, an applicant's receipt of public assistance, or the good faith exercise of an applicant's rights under the <span class=\"match\">Consumer</span> Credit Protection Act.\n 2 \n \n At the same time, ECOA also states that"},{"title":"Funding Opportunities: Small Dollar Loan Program: FY 2026 Funding Round","type":"Notice","abstract":"The CDFI Fund expands access to capital and related technical assistance across the United States through investment in and assistance to Community Development Financial Institutions (CDFIs). The Small Dollar Loan Program (SDL Program) is administered by the Community Development Financial Institutions Fund (CDFI Fund). Through the SDL Program, the CDFI Fund provides (1) grants for Loan Loss Reserves (LLR) to enable a Certified Community Development Financial Institution (CDFI) to establish a loan loss reserve fund to cover the losses on small dollar consumer loans associated with starting a new small dollar consumer loan program or expanding an existing small dollar consumer loan program; and (2) grants for Technical Assistance (TA) for technology, staff support, and other eligible activities to enable a Certified CDFI to establish and maintain a small dollar consumer loan program. Through the SDL Program Awards, Recipients will serve rural and urban communities across the nation that lack access to affordable consumer lending products. All awards provided through this Notice of Funds Availability (NOFA) are subject to funding availability.","document_number":"2026-13200","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13200/funding-opportunities-small-dollar-loan-program-fy-2026-funding-round","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13200.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13200.pdf?1782737121","publication_date":"2026-06-30","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":"Community Development Financial Institutions Fund","name":"Community Development Financial Institutions Fund","id":78,"url":"https://www.federalregister.gov/agencies/community-development-financial-institutions-fund","json_url":"https://www.federalregister.gov/api/v1/agencies/78","parent_id":497,"slug":"community-development-financial-institutions-fund"}],"excerpts":"be used to provide direct loans to <span class=\"match\">consumers</span>. 2. SDL Program Awards may only be used to support small dollar <span class=\"match\">consumer</span> loan programs that offer small dollar <span class=\"match\">consumer</span> loans that: are made in amounts that do not exceed $2,500; (a) must be repaid in installments; (b) have no prepayment penalty; (c) have payments that are <span class=\"match\">reported</span> to a least one of the <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agencies that compiles and maintains files on <span class=\"match\">consumers</span> on a nationwide basis; and (d) are underwritten with standards that consider the <span class=\"match\">consumer's</span> ability to repay.\n \n \n K. Authorizing"},{"title":"Medicare Program: Hospital Outpatient Prospective Payment and Ambulatory Surgical Center Payment Systems; and Quality Reporting Programs; Including the Hospital Outpatient Quality Reporting Program and Ambulatory Surgical Center Quality Program; Request for Information on Strengthening the Standardization and Comparability of Hospital Price Transparency (HPT) Data; Prior Authorization; Accrediting Organization (AO) Deeming for Emergency Medical Treatment and Labor Act (EMTALA); and Notices of Closure of Teaching Hospitals and Opportunities To Apply for Available Slots","type":"Proposed Rule","abstract":"This proposed rule would revise the Medicare Hospital Outpatient Prospective Payment System (OPPS) and the Medicare Ambulatory Surgical Center (ASC) payment system for calendar year 2027 based on our continuing experience with these systems. We also describe the changes to the amounts and factors used to determine the payment rates for Medicare services paid under the OPPS and those paid under the ASC payment systems. In addition, this proposed rule would update and refine the requirements for the Hospital Outpatient Quality Reporting Program and the Ambulatory Surgical Center Quality Reporting Program. There are no changes to the Rural Emergency Hospital Quality Reporting Program. We propose to expand the prior authorization requirement to include additional Botulinum Toxin Injection services. We also propose to implement certain provisions of the Consolidated Appropriations Act, 2026, for off-campus outpatient departments of a provider. In addition, this proposed rule announces notices of closure of teaching hospitals and opportunities to apply for available slots. This rule also requests information regarding potential approaches to improve comparability and standardization, particularly for complex contracting methodologies, of the HPT information reported in machine- readable files and consumer-friendly displays. We propose hospital AOs with deeming authority to assess compliance with certain Emergency Medical Treatment and Labor Act (EMTALA) administrative requirements during accreditation and reaccreditation surveys. Finally, we are soliciting comments on a potential separate payment under the Inpatient Prospective Payment System (IPPS) for domestic procurement of personal protective equipment and essential medicines.","document_number":"2026-13656","html_url":"https://www.federalregister.gov/documents/2026/07/07/2026-13656/medicare-program-hospital-outpatient-prospective-payment-and-ambulatory-surgical-center-payment","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-07/pdf/2026-13656.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13656.pdf?1782996328","publication_date":"2026-07-07","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"}],"excerpts":"Outpatient Quality <span class=\"match\">Reporting</span> Program \n Across 3,000 hospitals participating in the Hospital Outpatient Quality <span class=\"match\">Reporting</span> Program, we estimate that our proposed changes, if finalized, would result in a total information <span class=\"match\">collection</span> burden decrease of 16,985 hours at a cost savings of $971,221 beginning with the CY 2029 <span class=\"match\">reporting</span> period/CY 2031 payment determination. \n g. Impact of the Changes to the Ambulatory Surgical Center Quality <span class=\"match\">Reporting</span> Program \n Across 5,149 ASCs participating in the Ambulatory Surgical Center Quality <span class=\"match\">Reporting</span> Program, we estimate"},{"title":"Telemarketing Sales Rule Fees","type":"Rule","abstract":"The Federal Trade Commission (\"Commission\") is amending its Telemarketing Sales Rule (\"TSR\") by updating the fees charged to entities accessing the National Do Not Call Registry (\"Registry\") as required by the Do-Not-Call Registry Fee Extension Act of 2007.","document_number":"2024-19431","html_url":"https://www.federalregister.gov/documents/2024/08/29/2024-19431/telemarketing-sales-rule-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-29/pdf/2024-19431.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19431.pdf?1724849124","publication_date":"2024-08-29","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":" the Office of Management and Budget (“OMB”) approved the information <span class=\"match\">collection</span> requirements in the TSR and assigned the following existing OMB Control Number: 3084-0169. The amendments outlined in this final rule pertain only to the fee provision (§ 310.8) of the TSR and will not establish or alter any record keeping, <span class=\"match\">reporting</span>, or third-party disclosure requirements elsewhere in the TSR. \n \n List of Subjects in 16 CFR Part 310 \n Advertising, <span class=\"match\">Consumer</span> protection, <span class=\"match\">Reporting</span> and recordkeeping requirements, Telephone, Trade practices. \n \n Accordingly"},{"title":"Rule Concerning the Use of Prenotification Negative Option Plans","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") seeks public comment on the need for amendments to the Commission's \"Rule Concerning the Use of Prenotification Negative Option Plans\" (i.e., \"Negative Option Rule\" or \"Rule\") to help consumers avoid recurring payments for products and services they did not intend to order and to allow them to cancel such payments without unwarranted obstacles.","document_number":"2026-04952","html_url":"https://www.federalregister.gov/documents/2026/03/13/2026-04952/rule-concerning-the-use-of-prenotification-negative-option-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-13/pdf/2026-04952.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-04952.pdf?1773319514","publication_date":"2026-03-13","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":"records verifying <span class=\"match\">consumer</span> consent to the negative option feature for 3 years. The Vacated Rule, however, deemed most sellers in compliance with this recordkeeping requirement if they obtained <span class=\"match\">consumer</span> consent using “a check box, signature, or other substantially similar method,” which the <span class=\"match\">consumer</span> must complete to accept the negative option feature.\n \n \n \n \n 51 \n  Vacated Rule at § 425.4. Specifically, the Vacated Rule required disclosure that <span class=\"match\">consumers</span> will be <span class=\"match\">charged</span> unless the <span class=\"match\">consumer</span> cancels; the deadline(s) by which the <span class=\"match\">consumer</span> must cancel to"},{"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":"employers typically conduct background checks by obtaining <span class=\"match\">consumer</span> <span class=\"match\">reports</span> from <span class=\"match\">consumer</span> <span class=\"match\">reporting</span> agencies.\n 3 \n \n <span class=\"match\">Consumer</span> <span class=\"match\">reporting</span> agencies that prepare <span class=\"match\">consumer</span> <span class=\"match\">reports</span> for these purposes are commonly known as background screening companies, and the <span class=\"match\">reports</span> that they prepare are commonly known as background screening <span class=\"match\">reports</span>.\n 4 \n \n \n \n \n 2 \n  CFPB, \n Bulletin 2021-03: <span class=\"match\">Consumer</span> <span class=\"match\">Reporting</span> of Rental Information \n (July 1, 2021), \n https://files.consumerfinance.gov/f/documents/cfpb_consumer-<span class=\"match\">reporting</span>-rental-information_bulletin-2021-03_2021-07.pdf; \n"},{"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":"U.S. Citizenship and Immigration Services Employment-Based Immigrant Visa, Fifth Preference (EB-5) Fee Rule","type":"Proposed Rule","abstract":"The Department of Homeland Security (DHS) proposes to adjust Employment-Based Immigration, Fifth Preference (EB-5) immigration benefit request fees charged by U.S. Citizenship and Immigration Services (USCIS). This rule also proposes to codify certain elements of the EB-5 Reform and Integrity Act of 2022 and implement new statutory requirements. DHS intends for the rule to provide USCIS with the resources necessary to accomplish the goals of the EB-5 Reform and Integrity Act of 2022 and enhance and maintain the integrity of the EB- 5 program.","document_number":"2025-19642","html_url":"https://www.federalregister.gov/documents/2025/10/23/2025-19642/us-citizenship-and-immigration-services-employment-based-immigrant-visa-fifth-preference-eb-5-fee","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-23/pdf/2025-19642.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19642.pdf?1761137106","publication_date":"2025-10-23","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"information <span class=\"match\">collection</span> Form I-527 is 457 and the estimated hour burden per response is 1.44 hours.\n \n \n (6) \n An estimate of the total public burden (in hours) associated with the <span class=\"match\">collection</span>: \n The total estimated annual hour burden associated with this <span class=\"match\">collection</span> of information is 658 hours.\n \n \n (7) \n An estimate of the total public burden (in cost) associated with the <span class=\"match\">collection</span>: \n The estimated total annual cost burden associated with this <span class=\"match\">collection</span> of information is $235,355.\n \n USCIS Form I-829 \n Overview of Information <span class=\"match\">Collection</span> \n \n (1) \n"}]}