{"description":"Documents matching 'compliance consumer protection laws whom concern requirements'","count":5684,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+consumer+protection+laws+whom+concern+requirements&format=json&page=2","results":[{"title":"Defining Larger Participants of the Consumer Debt Collection Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer debt collection market established by the Bureau's Defining Larger Participants of the Consumer Debt Collection Market Final Rule published on October 31, 2012 (Consumer Debt Collection Larger Participant Rule).","document_number":"2025-15091","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15091/defining-larger-participants-of-the-consumer-debt-collection-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15091.pdf?1754570762","publication_date":"2025-08-08","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":"has supervisory authority over “larger participant[s] of a market for other <span class=\"match\">consumer</span> financial products or services, as defined by rule[s]” the CFPB issues.\n 4 \n \n To date, the Bureau has issued six rules defining larger participants of markets for <span class=\"match\">consumer</span> financial products and services for purposes of CFPA section 1024(a)(1)(B).\n 5 \n \n \n \n \n 1 \n  <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act of 2010, title X of the Dodd-Frank Wall Street Reform and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 111-203, 124 Stat. 1376, 1955 (2010) (hereinafter CFPA).\n \n \n \n \n 2 \n  The"},{"title":"Defining Larger Participants of the Consumer Reporting Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer reporting market established by the Bureau's Defining Larger Participants of the Consumer Reporting Market Final Rule published on July 20, 2012 (Consumer Reporting Larger Participant Rule).","document_number":"2025-15088","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15088/defining-larger-participants-of-the-consumer-reporting-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15088.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15088.pdf?1754570758","publication_date":"2025-08-08","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":"defined a <span class=\"match\">consumer</span> reporting market that covers <span class=\"match\">consumer</span> reporting agencies selling comprehensive <span class=\"match\">consumer</span> reports, <span class=\"match\">consumer</span> report resellers, and specialty <span class=\"match\">consumer</span> reporting agencies. It established that nonbank covered persons with more than $7 million in annual receipts resulting from relevant <span class=\"match\">consumer</span> reporting activities would be considered larger participants in this market.\n 7 \n \n \n The <span class=\"match\">consumer</span> reporting market includes <span class=\"match\">consumer</span> reporting agencies \n \n selling <span class=\"match\">consumer</span> reports, <span class=\"match\">consumer</span> report resellers, analyzers of <span class=\"match\">consumer</span> reports and"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is finalizing its June 18, 2025 interim final rule amending Regulation B to extend the compliance dates set forth in its 2023 small business lending rule, as amended by a 2024 interim final rule, and to make other date-related conforming adjustments.","document_number":"2025-19370","html_url":"https://www.federalregister.gov/documents/2025/10/02/2025-19370/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b-extension-of-compliance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-02/pdf/2025-19370.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19370.pdf?1759322731","publication_date":"2025-10-02","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":"Date, <span class=\"match\">Compliance</span> Date, and Special Transition Rules”, revise “114(b) <span class=\"match\">Compliance</span> Date” and “114(c) Special Transition Rules” to read as follows: \n Supplement I to Part 1002—Official Interpretations \n \n \n Section 1002.114—Effective Date, <span class=\"match\">Compliance</span> Date, and Special Transition Rules \n \n 114(b) <span class=\"match\">Compliance</span> Date 1. \n Application of <span class=\"match\">compliance</span> date. \n The applicable <span class=\"match\">compliance</span> date in § 1002.114(b) is the date by which the covered financial institution must begin to compile data as specified in § 1002.107, comply with the firewall <span class=\"match\">requirements</span> of § 1002"},{"title":"Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public to better understand how companies that offer or provide consumer financial products or services collect, use, share, and protect consumers' personal financial data, such as data harvested from consumer payments. The submissions in response to this request for information will serve to assist the CFPB and policymakers in further understanding the current state of the business practices at these companies and the concerns of consumers as the CFPB exercises its enforcement, supervision, regulatory, and other authorities.","document_number":"2025-00811","html_url":"https://www.federalregister.gov/documents/2025/01/15/2025-00811/request-for-information-regarding-the-collection-use-and-monetization-of-consumer-payment-and-other","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00811.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00811.pdf?1736862345","publication_date":"2025-01-15","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":"authority within their respective jurisdictions. \n See id. \n \n \n \n \n 12 \n  \n See \n 15 U.S.C. 6805.\n \n \n \n \n 13 \n  \n See, e.g., \n <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circular 2022-04, \n Insufficient data <span class=\"match\">protection</span> or security for sensitive <span class=\"match\">consumer</span> information, https://www.consumerfinance.gov/<span class=\"match\">compliance</span>/circulars/circular-2022-04-insufficient-data-<span class=\"match\">protection</span>-or-security-for-sensitive-<span class=\"match\">consumer</span>-information/; \n Compl., \n Bureau of <span class=\"match\">Consumer</span> Fin. Prot. \n v. \n Equifax Inc., \n No. 1:19-cv-03300-TWT (N.D. Ga. July 22, 2019), \n https://files.consumerfinance.gov/f/do"},{"title":"Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) issues this rule to define larger participants of a market for general-use digital consumer payment applications. Larger participants of this market will be subject to the CFPB's supervisory authority under the Consumer Financial Protection Act (CFPA). A nonbank covered person qualifies as a larger participant if it facilitates an annual covered consumer payment transaction volume of at least 50 million transactions as defined in the rule, and it is not a small business concern.","document_number":"2024-27836","html_url":"https://www.federalregister.gov/documents/2024/12/10/2024-27836/defining-larger-participants-of-a-market-for-general-use-digital-consumer-payment-applications","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-27836.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27836.pdf?1733751918","publication_date":"2024-12-10","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":"education of <span class=\"match\">consumers</span> who use general-use digital <span class=\"match\">consumer</span> payment applications, promulgating new <span class=\"match\">consumer</span> <span class=\"match\">protections</span> for these <span class=\"match\">consumers</span>, or imposing information collection <span class=\"match\">requirements</span> such as collecting the legal entity identifier (LEI) of larger participants. The Final Rule does not address these comments, which are outside the scope of a rulemaking under CFPA section 1024(a)(1)(B) to define and establish supervisory authority over larger participants in a market for <span class=\"match\">consumer</span> financial products and services. In addition, a <span class=\"match\">consumer</span> group suggested"},{"title":"Trichloroethylene; Regulation Under the Toxic Substances Control Act (TSCA); Compliance Date Extension","type":"Rule","abstract":"The Environmental Protection Agency (EPA or Agency) is taking interim final action on the Regulation of Trichloroethylene (TCE) under the Toxic Substances Control Act (TSCA) to revise certain compliance deadlines finalized in 2024. Specifically, EPA is amending the prohibition compliance date for the use of TCE as a processing aid in the manufacture of nuclear fuel, with corresponding changes to the compliance dates for the manufacturing, processing and distribution in commerce of TCE to support such use, to a prohibition on September 15, 2028. EPA is also amending the prohibition compliance date for the disposal of TCE to wastewater by processors of TCE and processors and industrial and commercial users of TCE as a processing aid, to begin on December 18, 2026. EPA is also amending the compliance deadline for downstream notification, and the text required to be present in Safety Data Sheets, to accurately reflect the new prohibition compliance deadline for TCE used as a processing aid in the manufacture of nuclear fuel. EPA is amending this compliance deadline to allow for 90 days after the publication of the final rule for manufacturers, processors, and distributors in commerce of TCE to make such a change. These revisions are necessary to address new information presented to EPA about inadvertent oversights in the original rulemaking and serious concerns that the facilities at issue will be unable to comply with the relevant requirements by the existing deadlines. EPA is requesting comments on all aspects of this interim final rule and will consider all comments received in determining whether amendments to this rule are appropriate after the conclusion of the comment period.","document_number":"2025-17948","html_url":"https://www.federalregister.gov/documents/2025/09/17/2025-17948/trichloroethylene-regulation-under-the-toxic-substances-control-act-tsca-compliance-date-extension","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-17/pdf/2025-17948.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-17948.pdf?1757967310","publication_date":"2025-09-17","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"detail in section II.C.2, informed EPA of significant <span class=\"match\">compliance</span> issues that could result in the shutting down of chemical processors and manufacturers for multiple chlorinated organics to reach <span class=\"match\">compliance</span>. The information provided by the petitioners supports the need for extending the <span class=\"match\">compliance</span> dates. \n Because the September 15, 2025, <span class=\"match\">compliance</span> deadlines for both petitioners are imminent, EPA has determined that it would be impracticable to undertake prior notice and comment before the <span class=\"match\">compliance</span> deadlines to provide petitioners sufficient time to"},{"title":"Consumer Financial Protection Circular 2023-03: Adverse Action Notification Requirements and Proper Use of Sample Forms","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2023-03, titled, \"Adverse action notification requirements and the proper use of the CFPB's sample forms provided in Regulation B.\" In this circular, the CFPB responds to the question, \"When using artificial intelligence or complex credit models, may creditors rely on the checklist of reasons provided in CFPB sample forms for adverse action notices even when those sample reasons do not accurately or specifically identify the reasons for the adverse action?\"","document_number":"2024-08003","html_url":"https://www.federalregister.gov/documents/2024/04/17/2024-08003/consumer-financial-protection-circular-2023-03-adverse-action-notification-requirements-and-proper","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-17/pdf/2024-08003.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08003.pdf?1713271515","publication_date":"2024-04-17","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":"practices related to credit line decreases and attendant <span class=\"match\">consumer</span> impacts).\n \n \n \n \n 22 \n  <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circular 2022-03.\n \n \n About <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n \n <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Circulars \n are issued to all parties with authority to enforce Federal <span class=\"match\">consumer</span> financial <span class=\"match\">law</span>. The CFPB is the principal Federal regulator responsible for administering Federal <span class=\"match\">consumer</span> financial <span class=\"match\">law</span>, \n see \n 12 U.S.C. 5511, including the <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act's prohibition on unfair, deceptive, and abusive acts"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2026-07804","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","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":"creditors' processes and procedures for ensuring <span class=\"match\">compliance</span> with either ECOA or other Federal and State <span class=\"match\">laws</span> imposing disparate-impact liability. The Bureau has determined that, with respect to addressing <span class=\"match\">concerns</span> related to ECOA <span class=\"match\">compliance</span>, the level of guidance that would be required to respond to these <span class=\"match\">concerns</span> would likely be too nuanced and detailed to be appropriate for inclusion in a regulation. In any event, the Bureau has primary authority for administering ECOA, but not other Federal or State <span class=\"match\">laws</span> that include a disparate-impact component. Thus"},{"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":"Housing and Community Development Act of 1992, H. 5334, Public <span class=\"match\">Law</span> 102-550, sec. 932(a)-(b) (1992) (codified as amended at 12 U.S.C. 2803 (a)-(b)); Omnibus Consolidated Appropriations Act, 1997, HR 3610, Public <span class=\"match\">Law</span> 104-208, sec. 2225, 110 Stat 3009 (1996) (codified as amended at 12 U.S.C. 2808(b)(2)); Dodd-Frank Wall Street Reform and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 111-203, section 1094, 124 Stat. 1376 (2010); Economic Growth, Regulatory Relief, and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 115-174, sec. 104, 132 Stat. 1296 (2018).\n \n \n \n \n 17 \n  \n See"},{"title":"Mandatory Toy Safety Standards: Requirements for Neck Floats","type":"Rule","abstract":"Section 106(a) of the Consumer Product Safety Improvement Act of 2008 (CPSIA) mandates that ASTM F963 shall be a mandatory toy safety standard. ASTM F963-23, however, does not establish specific performance requirements for aquatic toys, such as neck floats. The U.S. Consumer Product Safety Commission (CPSC or Commission) is issuing this final rule establishing additional performance requirements specifically for neck floats and revised labeling requirements for neck floats to address fatal hazards associated with neck floats. The Commission is also amending CPSC's list of notice of requirements (NORs) to include neck floats.","document_number":"2025-22827","html_url":"https://www.federalregister.gov/documents/2025/12/15/2025-22827/mandatory-toy-safety-standards-requirements-for-neck-floats","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22827.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22827.pdf?1765547125","publication_date":"2025-12-15","agencies":[{"raw_name":"CONSUMER PRODUCT SAFETY COMMISSION","name":"Consumer Product Safety Commission","id":84,"url":"https://www.federalregister.gov/agencies/consumer-product-safety-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/84","parent_id":null,"slug":"consumer-product-safety-commission"}],"excerpts":"flammability <span class=\"match\">requirements</span>). Therefore, to clarify, ASTM F963-23 contains certain performance <span class=\"match\">requirements</span> and labeling <span class=\"match\">requirements</span> for all toys, including aquatic toys, as discussed in more detail in section I of this preamble. In addition, ASTM F963-23 contains specific labeling <span class=\"match\">requirements</span> for aquatic toys but does not contain specific performance <span class=\"match\">requirements</span> for aquatic toys. The NPR referred to the performance <span class=\"match\">requirements</span> applicable to all toys as “general <span class=\"match\">requirements</span>” in § 1250.5(c). To prevent any confusion about applicable <span class=\"match\">requirements</span> for neck"},{"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":"Medical Collections on <span class=\"match\">Consumer</span> Credit Reports \n (July 27, 2022), \n https://www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-<span class=\"match\">consumer</span>-credit-reports/. \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 collection attempts reported first learning of the debt from viewing their <span class=\"match\">consumer</span> report. <span class=\"match\">Consumers</span> expressed <span class=\"match\">concern</span> with inaccurate information leading to a decrease in their credit score. Some <span class=\"match\">consumers</span> reported paying debt they"},{"title":"Children's Online Privacy Protection Rule","type":"Rule","abstract":"The Federal Trade Commission amends the Children's Online Privacy Protection Rule (the \"Rule\"), consistent with the requirements of the Children's Online Privacy Protection Act. The amendments to the Rule, which are based on the FTC's review of public comments and its enforcement experience, include one new definition and modifications to several others, as well as updates to key provisions to respond to changes in technology and online practices. The amendments are intended to strengthen protection of personal information collected from children, and, where appropriate, to clarify and streamline the Rule since it was last amended in January 2013.","document_number":"2025-05904","html_url":"https://www.federalregister.gov/documents/2025/04/22/2025-05904/childrens-online-privacy-protection-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-04-22/pdf/2025-05904.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-05904.pdf?1745239507","publication_date":"2025-04-22","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":"recognize or identify an individual, to better align with State <span class=\"match\">laws</span> and to simplify operators' <span class=\"match\">compliance</span> obligations.\n 104 \n \n While recognizing there is some variability in defined terms among State privacy <span class=\"match\">laws</span> and also between those <span class=\"match\">laws</span> and the biometric identifier provision in the proposed definition of personal information, industry commenters raising these <span class=\"match\">concerns</span> have not explained how those variations will complicate business practices or create irreconcilable <span class=\"match\">compliance</span> obligations.\n 105 \n \n The Commission is therefore not persuaded"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2025-19864","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19864/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19864.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19864.pdf?1762955111","publication_date":"2025-11-13","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":"impact and discouragement may potentially limit legal <span class=\"match\">protections</span> for <span class=\"match\">consumers</span> and affect <span class=\"match\">consumers</span>' access to credit. Because of the lack of data to quantify such costs, the Bureau seeks information on the number of <span class=\"match\">consumers</span> potentially affected by the proposed rules as well as the data that would allow quantification of costs to <span class=\"match\">consumers</span>. \n E. Potential Benefits and Costs of the Proposed Rule to <span class=\"match\">Consumers</span> and Covered Persons \n Covered Persons Under the Proposed Rule \n \n The three categories of proposed changes to Regulation B would apply to"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing 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 reconsidering 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 CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","document_number":"2025-19865","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","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":"and Community Development Act of 1992, H. 5334, Public <span class=\"match\">Law</span> No 102-550, section 932(a)-(b) (1992) (codified as amended at 12 U.S.C. 2803 (a)-(b)); Omnibus Consolidated Appropriations Act, 1997, HR 3610, Public <span class=\"match\">Law</span> 104-208, section 2225, 110 Stat 3009 (1996) (codified as amended at 12 U.S.C. 2808(b)(2)); Dodd-Frank Wall Street Reform and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 111-203, section 1094, 124 Stat. 1376 (2010); Economic Growth, Regulatory Relief, and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 115-174, section 104, 132 Stat. 1296 (2018).\n \n \n \n \n 16"},{"title":"Implications of Artificial Intelligence Technologies on Protecting Consumers From Unwanted Robocalls and Robotexts","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) proposes steps to protect consumers from the abuse of Artificial Intelligence (AI) in robocalls alongside actions that clear the path for positive uses of AI, including its use to improve access to the telephone network for people with disabilities. Specifically, the document proposes to: define AI-generated calls, adopt new rules that would require callers disclose to consumers when they receive an AI-generated call, adopt protections for consumers to ensure that callers adequately apprise them of their use of AI- generated calls when consumers affirmatively consent to receive such calls, adopt protections to ensure that positive uses of AI that have already helped people with disabilities use the telephone network can thrive without threat of Telephone Consumer Protection Act (TCPA) liability. The document also seeks additional comment and information on developing technologies that can alert consumers to unwanted or illegal calls and texts, including AI-generated calls.","document_number":"2024-19028","html_url":"https://www.federalregister.gov/documents/2024/09/10/2024-19028/implications-of-artificial-intelligence-technologies-on-protecting-consumers-from-unwanted-robocalls","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-10/pdf/2024-19028.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19028.pdf?1725885915","publication_date":"2024-09-10","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":"\n and tailored to reflect the privacy <span class=\"match\">protections</span> under the Telephone <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act (TCPA), Telephone <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act of 1991, Public <span class=\"match\">Law</span> 102-243, 105 Stat. 2394 (1991), codified at 47 U.S.C. 227, by focusing on AI-generated voice or text calls used to interact with <span class=\"match\">consumers</span> in outbound telephone calls. For example, the TCPA's prohibition on using an artificial or prerecorded voice message extends only to outbound calls that are “made” or “initiated” by the caller. The TCPA's <span class=\"match\">requirements</span> do not extend to technologies used to"},{"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":"the transactions and the residency of <span class=\"match\">consumers</span>. The Department has made the policy decision to exercise its broad authority under section 41712 to ensure that its ticket and ancillary service fee refunds <span class=\"match\">requirements</span> and the <span class=\"match\">protections</span> for passengers affected by a serious communicable disease provide the maximum <span class=\"match\">protections</span> to <span class=\"match\">consumers</span> as permitted by the <span class=\"match\">law</span>. The Department also believes that this broad scope would simplify and streamline the refund process by the regulated entities and reduce <span class=\"match\">consumer</span> frustration and confusion. \n 2. Need for"},{"title":"Energy Conservation Program: Procedures, Interpretations, and Policies for Consideration of New or Revised Energy Conservation Standards and Test Procedures for Consumer Products and Certain Commercial/Industrial Equipment","type":"Proposed Rule","abstract":"The U.S. Department of Energy (\"DOE\" or \"the Department\") proposes to update the Department's current rulemaking methodology titled, \"Procedures, Interpretations, and Policies for Consideration of New or Revised Energy Conservation Standards and Test Procedures for Consumer Products and Certain Commercial/Industrial Equipment\" (\"Process Rule\"). Specifically, DOE proposes to: make Appendix A binding on DOE for certain actions; amend objectives and considerations consistent with recent Executive orders and Department policies; add a definition of \"significant energy savings\"; re-instate the comparative analysis requirement, described as a \"walk up\" approach; include certain economic thresholds; re-instate the description of clear and convincing evidence; and revert to language from the 2020 Process Rule text, with minor edits, in several sections. In addition to requesting written comments on its proposal, DOE will also hold a public meeting to discuss this proposal and obtain additional input.","document_number":"2026-13674","html_url":"https://www.federalregister.gov/documents/2026/07/07/2026-13674/energy-conservation-program-procedures-interpretations-and-policies-for-consideration-of-new-or","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-07/pdf/2026-13674.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13674.pdf?1783341912","publication_date":"2026-07-07","agencies":[{"raw_name":"DEPARTMENT OF ENERGY","name":"Energy Department","id":136,"url":"https://www.federalregister.gov/agencies/energy-department","json_url":"https://www.federalregister.gov/api/v1/agencies/136","parent_id":null,"slug":"energy-department"}],"excerpts":"example, would there be a benefit to establishing separate thresholds for <span class=\"match\">consumer</span> heating and cooling equipment as compared to <span class=\"match\">consumer</span> appliances (\n e.g., \n refrigerators, dishwashers, and clothes washers and dryers)? DOE specifically requests comments on whether specific thresholds should be applied to: (1) <span class=\"match\">consumer</span> heating and cooling products; (2) <span class=\"match\">consumer</span> appliances (such as refrigerators, dishwashers, and washers and dryers); (3) <span class=\"match\">consumer</span> water heating products; (4) <span class=\"match\">consumer</span> electronics; (5) other covered products; (6) commercial heating and cooling"},{"title":"Defining Larger Participants of the International Money Transfer Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the international money transfer market established by the Bureau's Defining Larger Participants of the International Money Transfer Market Final Rule published on September 9, 2014 (International Money Transfer Larger Participant Rule or 2014 Rule).","document_number":"2025-15090","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15090/defining-larger-participants-of-the-international-money-transfer-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15090.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15090.pdf?1754570721","publication_date":"2025-08-08","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":"products and services for purposes of CFPA section 1024(a)(1)(B).\n 5 \n \n \n \n \n 1 \n  <span class=\"match\">Consumer</span> Financial <span class=\"match\">Protection</span> Act of 2010, Title X of the Dodd-Frank Wall Street Reform and <span class=\"match\">Consumer</span> <span class=\"match\">Protection</span> Act, Public <span class=\"match\">Law</span> 111-203, 124 Stat. 1376, 1955 (2010).\n \n \n \n \n 2 \n  The provisions of 12 U.S.C. 5514 apply to certain categories of covered persons, described in section (a)(1), and expressly excludes from coverage persons described in 12 U.S.C. 5515(a) (very large insured depository institutions and credit unions and their affiliates) or 5516(a) (other"},{"title":"Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program","type":"Rule","abstract":"This final rule contains provisions to improve implementation of the Patient Protection and Affordable Care Act, including payment parameters and provisions related to the HHS-operated risk adjustment and risk adjustment data validation (HHS-RADV) programs, as well as 2027 user fee rates for issuers offering qualified health plans (QHPs) through Federally-facilitated Exchanges (FFEs) and State-based Exchanges on the Federal platform (SBE-FPs). This final rule also includes provisions related to civil money penalties (CMPs) for noncompliant issuers and other responsible entities; standards governing agents, brokers, and web-brokers; the expansion and codification of hardship exemption eligibility; implementation of the State Exchange Improper Payment Measurement (SEIPM); provider access standards and essential community provider standards for QHP certification; QHP certification of non-network plans; a prohibition on issuers from including routine non-pediatric dental services as an Essential Health Benefit (EHB); requirements related to defrayal for the cost of any State-required benefits in addition to the EHB; cost- sharing flexibilities for catastrophic and individual market bronze plans; establishment of catastrophic plans with plan terms of up to 10 consecutive plan years; QHP issuer quality improvement strategies (QISs); and revisions affecting which enrollees are included in Federal Basic Health Program (BHP) payment calculations to States. This final rule also includes amendments to implement certain provisions of the Working Families Tax Cut (WFTC) legislation.","document_number":"2026-10050","html_url":"https://www.federalregister.gov/documents/2026/05/20/2026-10050/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2027-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-20/pdf/2026-10050.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10050.pdf?1779135308","publication_date":"2026-05-20","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"raw_name":"Office of the Secretary"}],"excerpts":"Exchange operations. This includes reviewing State Exchange programmatic <span class=\"match\">requirements</span> for their agents and brokers, assisters, navigators, and issuers, including funding, training and certification activities to ensure <span class=\"match\">compliance</span>. Further, to support minimizing <span class=\"match\">consumer</span> confusion around a transition, we work closely with a State implementing a State Exchange to develop coordinated <span class=\"match\">consumer</span> outreach plan with the intent to minimize <span class=\"match\">consumer</span> disruptions and maintain <span class=\"match\">consumer</span> trust with the State entity operating the State Exchange during a transition"},{"title":"Preventing Access to U.S. Sensitive Personal Data and Government-Related Data by Countries of Concern or Covered Persons","type":"Rule","abstract":"The Department of Justice is issuing a final rule to implement Executive Order 14117 of February 28, 2024 (Preventing Access to Americans' Bulk Sensitive Personal Data and United States Government- Related Data by Countries of Concern), by prohibiting and restricting certain data transactions with certain countries or persons.","document_number":"2024-31486","html_url":"https://www.federalregister.gov/documents/2025/01/08/2024-31486/preventing-access-to-us-sensitive-personal-data-and-government-related-data-by-countries-of-concern","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2024-31486.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31486.pdf?1735911918","publication_date":"2025-01-08","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"}],"excerpts":"levels of clinical trials of any sort that also involved a site in a country of <span class=\"match\">concern</span>.\n \n \n \n Most of the <span class=\"match\">concerns</span> identified in the STPI report arose from general <span class=\"match\">compliance</span> <span class=\"match\">concerns</span>, such as that Federal funding entities would impose different <span class=\"match\">requirements</span> or that researchers would have to adjust computer security protocols. For example, one interviewee noted that it took substantially longer to build infrastructure to facilitate data sharing when cybersecurity <span class=\"match\">requirements</span> had to be met.\n 87 \n Another thought that research would be slowed because"}]}