{"description":"Documents matching 'compliance department dispute inaccurate credit reporting requirements'","count":1400,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+department+dispute+inaccurate+credit+reporting+requirements&format=json&page=2","results":[{"title":"Federal Independent Dispute Resolution Operations","type":"Rule","abstract":"This document sets forth these final rules related to certain provisions of the No Surprises Act regarding the Federal independent dispute resolution (IDR) process, which was established as part of the Consolidated Appropriations Act, 2021 (CAA). These rules finalize new requirements relating to the disclosure of information that group health plans and health insurance issuers offering group or individual health insurance coverage must include along with the initial payment or notice of denial of payment for certain items and services subject to the surprise billing protections in the No Surprises Act. These final rules also require plans and issuers to communicate information by using claim adjustment reason codes (CARCs) and remittance advice remark codes (RARCs), as specified in guidance, when providing any paper or electronic remittance advice (ERA) to an entity that does not have a contractual relationship with the plan or issuer. This document also finalizes amendments to certain requirements related to the open negotiation period preceding the Federal IDR process, the initiation of the Federal IDR process, the Federal IDR dispute eligibility review process, and the payment and collection of administrative fees and certified IDR entity fees. This document also finalizes the definition of bundled payment arrangements, amends requirements related to batched items and services and amends the rules for extensions of timeframes due to extenuating circumstances. Additionally, this document finalizes provisions that require plans and issuers to register in the Federal IDR portal. In accordance with Federal law, a summary of these rules may be found at https://www.regulations.gov/.","document_number":"2026-11140","html_url":"https://www.federalregister.gov/documents/2026/06/04/2026-11140/federal-independent-dispute-resolution-operations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-04/pdf/2026-11140.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11140.pdf?1780348210","publication_date":"2026-06-04","agencies":[{"raw_name":"OFFICE OF PERSONNEL MANAGEMENT","name":"Personnel Management Office","id":406,"url":"https://www.federalregister.gov/agencies/personnel-management-office","json_url":"https://www.federalregister.gov/api/v1/agencies/406","parent_id":null,"slug":"personnel-management-office"},{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"},{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"},{"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"}],"excerpts":"2022, the <span class=\"match\">Departments</span> launched the Federal IDR portal to accept <span class=\"match\">disputes</span> regarding the appropriate out-of-network rate for claims subject to the surprise billing protections of the No Surprises Act. In the first year of operations, <span class=\"match\">disputing</span> parties submitted 489,000 <span class=\"match\">disputes</span>, which is 14 times the number of <span class=\"match\">disputes</span> that the <span class=\"match\">Departments</span> had expected to receive in an entire calendar year.\n 13 14 \n \n The high volume of <span class=\"match\">dispute</span> submissions has continued, and as of January 31, 2026, <span class=\"match\">disputing</span> parties have \n \n submitted over 5.1 million <span class=\"match\">disputes</span> for review"},{"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":"avoiding disruptions in <span class=\"match\">credit</span> availability. The commenter suggested that the Bureau commit to ongoing reassessment of this rule's <span class=\"match\">requirements</span> and that the Bureau should use the initial data collection to determine whether products, lenders, or data points should be added. \n Several <span class=\"match\">credit</span> unions and their trade associations stated that the proposed rule would help <span class=\"match\">credit</span> unions and would reduce regulatory burden on <span class=\"match\">credit</span> unions. Some of these commenters stated that the 2023 final rule may have stopped small business lending by <span class=\"match\">credit</span> unions, but that"},{"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":"to notify consumer <span class=\"match\">reporting</span> agencies of such status).\n \n \n \n \n 35 \n  Consumer Fin. Prot. Bureau, \n Paid and Low-Balance Medical Collections on Consumer <span class=\"match\">Credit</span> <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-collections-on-consumer-<span class=\"match\">credit</span>-<span class=\"match\">reports</span>/. \n \n \n \n A 2022 review of consumer complaints submitted to the CFPB found that many consumers complaining of <span class=\"match\">disputed</span> debt collection attempts <span class=\"match\">reported</span> first learning of the debt from viewing their consumer <span class=\"match\">report</span>. Consumers expressed"},{"title":"Increased Amounts of Credit or Deduction for Satisfying Certain Prevailing Wage and Registered Apprenticeship Requirements","type":"Rule","abstract":"This document sets forth final regulations regarding the increased credit amounts or the increased deduction amount available for taxpayers satisfying prevailing wage and registered apprenticeship (collectively, PWA) requirements established by the Inflation Reduction Act of 2022. These final regulations affect taxpayers intending to satisfy the PWA requirements to be eligible for increased amounts of Federal income tax credits or an increased deduction, including those intending to make elective payment elections for available credit amounts, and those intending to transfer increased credit amounts. These final regulations also affect taxpayers intending to satisfy the prevailing wage requirements to be eligible for increased amounts of those Federal income tax credits that do not have associated apprenticeship requirements. Additionally, these final regulations affect taxpayers who initially fail to satisfy the PWA requirements (or prevailing wage requirements, as applicable) and subsequently comply with the correction and penalty procedures in order to be deemed to satisfy the PWA requirements (or prevailing wage requirements, as applicable). Finally, these final regulations address specific PWA and prevailing wage recordkeeping and reporting requirements.","document_number":"2024-13331","html_url":"https://www.federalregister.gov/documents/2024/06/25/2024-13331/increased-amounts-of-credit-or-deduction-for-satisfying-certain-prevailing-wage-and-registered","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-25/pdf/2024-13331.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13331.pdf?1718714714","publication_date":"2024-06-25","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"}],"excerpts":"increased amounts of <span class=\"match\">credits</span> or an increased deduction, as applicable, for taxpayers who satisfy certain <span class=\"match\">requirements</span> and added sections 45U, 45V, 45Y, 45Z, and 48E to the Code to provide new <span class=\"match\">credits</span>, which also contain provisions for increased <span class=\"match\">credit</span> amounts for taxpayers who satisfy certain <span class=\"match\">requirements</span>. Increased <span class=\"match\">credit</span> amounts are available under sections 30C, 45, 45Q, 45V, 45Y, 45Z, 48, 48C, and 48E, and an increased deduction is available under section 179D for taxpayers satisfying certain PWA <span class=\"match\">requirements</span>. Increased <span class=\"match\">credit</span> amounts are available"},{"title":"Federal Management Regulation; Transportation Payment and Audit Regulations","type":"Rule","abstract":"The United States General Services Administration (GSA) is issuing a final rule amending the Federal Management Regulation (FMR). This amendment executes changes that include the removal, addition, and revision of definitions, the elimination of gender pronouns, the simplification of requirements, the alteration of statutory references, and the clarification of GSA's role in adjudicating disputes arising from audits of transportation bills. These adjustments are necessary to furnish accurate guidance for agencies, facilitate proper management and compliance with transportation invoice payment and audit obligations.","document_number":"2024-27552","html_url":"https://www.federalregister.gov/documents/2024/11/26/2024-27552/federal-management-regulation-transportation-payment-and-audit-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-26/pdf/2024-27552.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27552.pdf?1732542325","publication_date":"2024-11-26","agencies":[{"raw_name":"GENERAL SERVICES ADMINISTRATION","name":"General Services Administration","id":210,"url":"https://www.federalregister.gov/agencies/general-services-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/210","parent_id":null,"slug":"general-services-administration"}],"excerpts":"part. This change is expected to reduce costs for agencies, streamline the <span class=\"match\">reporting</span> process, and eliminate the need for mailing documents to the GSA Transportation Audits Division. TSPs are also permitted to use the TAMS to file a claim with the GSA Transportation Audits Division; however, its use by TSPs is not required. It is also important to note that as of July 2022, all <span class=\"match\">department</span> level agencies were compliant with this <span class=\"match\">requirement</span>, therefore mandating this <span class=\"match\">requirement</span> should have no additional effect on agency procedures. \n GSA has also included"},{"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":"this proposed rule would update and refine the <span class=\"match\">requirements</span> for the Hospital Outpatient Quality <span class=\"match\">Reporting</span> Program and the Ambulatory Surgical Center Quality <span class=\"match\">Reporting</span> Program. There are no changes to the Rural Emergency Hospital Quality <span class=\"match\">Reporting</span> Program. We propose to expand the prior authorization <span class=\"match\">requirement</span> to include additional Botulinum Toxin Injection services. We also propose to implement certain provisions of the Consolidated Appropriations Act, 2026, for off-campus outpatient <span class=\"match\">departments</span> of a provider. In addition, this proposed rule announces"},{"title":"Medicaid Program; Community Engagement Requirement for Certain Individuals","type":"Rule","abstract":"This interim final rule with comment period (IFC) interprets and implements the community engagement requirement in Medicaid under section 1902(xx) of the Social Security Act. States are required to implement the new requirement no later than January 1, 2027. This IFC specifies the requirements and expectations for States, including the Medicaid applicants and beneficiaries who must demonstrate community engagement as a condition of their eligibility, the types of qualifying activities that satisfy the community engagement requirement, the criteria to meet an exception from the requirement (that is, be deemed compliant), and the criteria to meet a specified exclusion from the requirement. It also specifies requirements for verification of qualifying activities, outreach to affected populations, steps States must take if they determine individuals are noncompliant, and additional operational considerations for States. Finally, this IFC specifies implementation timing and establishes new State reporting requirements.","document_number":"2026-11094","html_url":"https://www.federalregister.gov/documents/2026/06/03/2026-11094/medicaid-program-community-engagement-requirement-for-certain-individuals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-03/pdf/2026-11094.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11094.pdf?1780346707","publication_date":"2026-06-03","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":"Assessing <span class=\"match\">Compliance</span> With the Community Engagement <span class=\"match\">Requirement</span> \n I. Verification of <span class=\"match\">Compliance</span> With and Exceptions and Exclusions From the Community Engagement <span class=\"match\">Requirement</span> \n J. Noncompliance Procedures \n K. Implementation Timing \n L. Outreach \n M. Managed Care Implications \n N. Additional Considerations \n O. Monitoring \n III. Good Cause for Proceeding With an Interim Final Rule With Comment Period \n IV. Collection of Information <span class=\"match\">Requirements</span> \n A. Wage Estimates \n B. Adjustment to State Cost Estimates \n C. Information Collection <span class=\"match\">Requirements</span> (ICRs)"},{"title":"340B Drug Pricing Program; Administrative Dispute Resolution Regulation","type":"Rule","abstract":"The Health Resources and Services Administration administers section 340B of the Public Health Service (PHS) Act, which is referred to as the \"340B Drug Pricing Program\" or the \"340B Program.\" This final rule will apply to all drug manufacturers and covered entities that participate in the 340B Program. The final rule sets forth the requirements and procedures for the 340B Program's administrative dispute resolution (ADR) process. This final rule revises the 340B administrative dispute resolution process set forth in the Code of Federal Regulations.","document_number":"2024-08262","html_url":"https://www.federalregister.gov/documents/2024/04/19/2024-08262/340b-drug-pricing-program-administrative-dispute-resolution-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-19/pdf/2024-08262.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08262.pdf?1713444337","publication_date":"2024-04-19","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"}],"excerpts":"faith to resolve <span class=\"match\">disputes</span>. Good faith attempts include for example, at least one instance of written documentation demonstrating that the initiating party has made attempts to contact the opposing party regarding the specific issues cited in the ADR claim. The <span class=\"match\">requirement</span> to engage in good faith efforts may resolve <span class=\"match\">disputes</span> before the need to file a petition in many cases. In addition, HHS has historically encouraged manufacturers and covered entities to work with each other to attempt to resolve <span class=\"match\">disputes</span> in good faith, and most <span class=\"match\">disputes</span> have been resolved"},{"title":"Medicare and Medicaid Programs; Calendar Year 2026 Home Health Prospective Payment System (HH PPS) Rate Update; Requirements for the HH Quality Reporting Program and the HH Value-Based Purchasing Expanded Model; Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program Updates; DMEPOS Accreditation Requirements; Provider Enrollment; and Other Medicare and Medicaid Policies","type":"Rule","abstract":"This final rule sets forth routine updates to the Medicare home health payment rates in accordance with existing statutory and regulatory requirements. In addition, this final rule finalizes permanent and temporary behavior adjustments and recalibrates the case- mix weights and update the functional impairment levels; comorbidity subgroups; and low-utilization payment adjustment (LUPA) thresholds for CY 2026. This final rule also finalizes changes to the face-to-face encounter policy and changes to the Home Health Quality Reporting Program (HH QRP) and the expanded Health Value-Based Purchasing (HHVBP) Model requirements. In addition, it updates the Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program (CBP). Lastly it finalizes: a technical change to the HH conditions of participation; updates to DMEPOS supplier conditions of payment; updates to provider and supplier enrollment requirements; and changes to DMEPOS accreditation requirements.","document_number":"2025-21767","html_url":"https://www.federalregister.gov/documents/2025/12/02/2025-21767/medicare-and-medicaid-programs-calendar-year-2026-home-health-prospective-payment-system-hh-pps-rate","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-02/pdf/2025-21767.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21767.pdf?1764364516","publication_date":"2025-12-02","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":"for reconsideration, we may reverse our initial finding of non-<span class=\"match\">compliance</span> if: (1) the HHA provides proof of <span class=\"match\">compliance</span> with all <span class=\"match\">requirements</span> during the <span class=\"match\">reporting</span> period; or (2) the HHA provides adequate proof of a valid or justifiable excuse for non-<span class=\"match\">compliance</span> if the HHA was not able to comply with <span class=\"match\">requirements</span> during the <span class=\"match\">reporting</span> period (77 FR 67096). We also stated that we will uphold an initial finding of non-<span class=\"match\">compliance</span> if the HHA cannot show any justification for non-<span class=\"match\">compliance</span> (77 FR 67096). \n As previously discussed, we codified our reconsideration"},{"title":"Premerger Notification; Reporting and Waiting Period Requirements","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\"), with the concurrence of the Assistant Attorney General, Antitrust Division, Department of Justice (\"Assistant Attorney General\" or \"Antitrust Division\") (together the \"Agencies\"), is issuing this final rule and Statement of Basis and Purpose (\"SBP\") to amend the Premerger Notification Rules (the \"Rules\") that implement the Hart-Scott-Rodino Antitrust Improvement Act (\"the HSR Act\" or \"HSR\"), including the Premerger Notification and Report Form for Certain Mergers and Acquisitions (\"Form\") and Instructions to the Notification and Report Form for Certain Mergers and Acquisitions (\"Instructions\"). The final rule requires parties to transactions that are reportable under the HSR Act to provide documentary material and information that are necessary and appropriate for the Agencies to efficiently and effectively conduct an initial assessment to determine whether the transaction may violate the antitrust laws and whether to issue a Request for Additional Information (\"Second Request\") as provided by the HSR Act. In addition, the final rule implements certain requirements of the Merger Filing Fee Modernization Act of 2022 (\"Merger Modernization Act\") and ministerial changes to the Rules as well as the necessary amendments to the Instructions to effect the final changes.","document_number":"2024-25024","html_url":"https://www.federalregister.gov/documents/2024/11/12/2024-25024/premerger-notification-reporting-and-waiting-period-requirements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-12/pdf/2024-25024.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25024.pdf?1731073564","publication_date":"2024-11-12","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2010 appendix A (FY 2010) (<span class=\"match\">reporting</span> Adjusted Transactions in which a Second Request could have been issued from years 2001-2010); Fed. Trade Comm'n &amp; U.S. Dep't of Justice, Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2013 appendix A (FY 2013) (<span class=\"match\">reporting</span> Adjusted Transactions in which a Second Request could have been issued from years 2004-2013); Fed. Trade Comm'n &amp; U.S. Dep't of Justice, Hart-Scott-Rodino Annual <span class=\"match\">Report</span>, Fiscal Year 2022 appendix A (FY 2022) (<span class=\"match\">reporting</span> Adjusted Transactions in"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"to notify consumer <span class=\"match\">reporting</span> agencies of such status).\n \n \n \n \n 38 \n  Consumer Fin. Prot. Bureau, \n Paid and Low-Balance Medical Collections on Consumer <span class=\"match\">Credit</span> <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-collections-on-consumer-<span class=\"match\">credit</span>-<span class=\"match\">reports</span>/. \n \n \n \n A 2022 review of consumer complaints submitted to the CFPB found that many consumers complaining of <span class=\"match\">disputed</span> debt collection attempts <span class=\"match\">reported</span> first learning of the debt from viewing their consumer <span class=\"match\">report</span>. Consumers expressed"},{"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":"rule: \n • Provides that a consumer <span class=\"match\">reporting</span> agency furnishes a consumer <span class=\"match\">report</span> to a person when the consumer <span class=\"match\">reporting</span> agency facilitates the person's use of the consumer <span class=\"match\">report</span> for the person's financial gain, even if the consumer <span class=\"match\">reporting</span> agency does not technically transfer the consumer <span class=\"match\">report</span> to the person; \n • Provides that the FCRA provision that authorizes a consumer <span class=\"match\">reporting</span> agency to furnish a consumer <span class=\"match\">report</span> in accordance with the written instructions of the consumer can be used to obtain a consumer <span class=\"match\">report</span> for any reason specified by a consumer"},{"title":"Clean Vehicle Credits Under Sections 25E and 30D; Transfer of Credits; Critical Minerals and Battery Components; Foreign Entities of Concern","type":"Rule","abstract":"This document contains final regulations regarding Federal income tax credits under the Inflation Reduction Act of 2022 (IRA) for the purchase of qualifying new and previously-owned clean vehicles, including new and previously-owned plug-in electric vehicles powered by an electric battery meeting certain requirements and new qualified fuel cell motor vehicles. In addition, the final regulations provide guidance for taxpayers who purchase qualifying vehicles and intend to transfer the amount of any previously-owned clean vehicle credit or new clean vehicle credit to dealers that are entities eligible to receive advance payments of either credit. The final regulations also provide guidance for dealers to become eligible entities to receive advance payments of previously-owned clean vehicle credits or new clean vehicle credits, and rules regarding recapture of the credits. Finally, the final regulations provide guidance on the meaning of three new definitions added to the exclusive list of mathematical or clerical errors relating to certain assessments of tax without a notice of deficiency.","document_number":"2024-09094","html_url":"https://www.federalregister.gov/documents/2024/05/06/2024-09094/clean-vehicle-credits-under-sections-25e-and-30d-transfer-of-credits-critical-minerals-and-battery","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-06/pdf/2024-09094.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09094.pdf?1714740316","publication_date":"2024-05-06","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"}],"excerpts":"provide a <span class=\"match\">credit</span> for the purchase and placing in service of new qualified plug-in electric drive motor vehicles. Section 30D has been amended several times \n \n since its enactment, most recently by section 13401 of the IRA.\n \n The amount of the section 30D <span class=\"match\">credit</span> is treated as a personal <span class=\"match\">credit</span> or a general business <span class=\"match\">credit</span>, depending on the character of the vehicle. In general, the section 30D <span class=\"match\">credit</span> is treated as a personal <span class=\"match\">credit</span> allowable under subpart A of the Code. Section 30D(c)(2). However, the amount of the section 30D <span class=\"match\">credit</span> that is attributable"},{"title":"Medicare and Medicaid Programs; Calendar Year 2026 Home Health Prospective Payment System (HH PPS) Rate Update; Requirements for the HH Quality Reporting Program and the HH Value-Based Purchasing Expanded Model; Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program Updates; DMEPOS Accreditation Requirements; Provider Enrollment; and Other Medicare and Medicaid Policies","type":"Proposed Rule","abstract":"This proposed rule would set forth routine updates to the Medicare home health payment rates in accordance with existing statutory and regulatory requirements. In addition, this proposed rule proposes permanent and temporary behavior adjustments and proposes to recalibrate the case-mix weights and update the functional impairment levels; comorbidity subgroups; and low-utilization payment adjustment (LUPA) thresholds for CY 2026. Lastly, this proposed rule proposes policy changes to the face-to-face encounter policy. It also proposes changes to the Home Health Quality Reporting Program (HH QRP) and the expanded Health Value-Based Purchasing (HHVBP) Model requirements. In addition, it would update the Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program (CBP). Lastly it proposes: a technical change to the HH conditions of participation; updates to DMEPOS supplier conditions of payment; updates to provider and supplier enrollment requirements; and changes to DMEPOS accreditation requirements.","document_number":"2025-12347","html_url":"https://www.federalregister.gov/documents/2025/07/02/2025-12347/medicare-and-medicaid-programs-calendar-year-2026-home-health-prospective-payment-system-hh-pps-rate","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-02/pdf/2025-12347.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12347.pdf?1751314517","publication_date":"2025-07-02","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":"for reconsideration, we may reverse our initial finding of non-<span class=\"match\">compliance</span> if: (1) the HHA provides proof of <span class=\"match\">compliance</span> with all <span class=\"match\">requirements</span> during the <span class=\"match\">reporting</span> period; or (2) the HHA provides adequate proof of a valid or justifiable excuse for non-<span class=\"match\">compliance</span> if the HHA was not able to comply with <span class=\"match\">requirements</span> during the <span class=\"match\">reporting</span> period (77 FR 67096). We also stated that we will uphold an initial finding of non-<span class=\"match\">compliance</span> if the HHA cannot show any justification for non-<span class=\"match\">compliance</span> (77 FR 67096). \n \n As previously discussed, we codified our reconsideration"},{"title":"Enhancing Know-Your-Upstream-Provider Requirements and Strengthening STIR/SHAKEN (Call Authentication Trust Anchor; Advanced Methods To Target and Eliminate Unlawful Robocalls)","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes steps to strengthen its robocall mitigation framework by enhancing Know-Your-Upstream-Provider (KYUP) requirements, improving oversight of voice service providers by the STIR/SHAKEN Governance Authority, raising caller ID attestation standards, and closing implementation gaps in STIR/SHAKEN implementation. Specifically, the Commission proposes establishing baseline KYUP information-collection, compliance review, verification, monitoring, and responsive-action requirements to ensure providers can identify and cut off bad-actor upstream providers. The Commission also proposes measures to expand the Governance Authority's vetting, enforcement, and reporting responsibilities to prevent misuse of STIR/SHAKEN certificates and to remove noncompliant providers from the authentication ecosystem. The Commission further proposes clarifying and strengthening STIR/SHAKEN attestation rules, including codifying attestation levels, defining improper attestations, and specifying permissible mechanisms for verifying number-to-customer associations. Additionally, the Commission proposes and seeks comment on additional steps to close caller ID authentication gaps, such as refining provider definitions, reconsidering exemptions, requiring providers serving end users to assign STIR/SHAKEN attestations, and ensuring calls maintain authentication information. The Commission also seeks comment on special circumstances, including addressing issues with foreign- originated calls.","document_number":"2026-13874","html_url":"https://www.federalregister.gov/documents/2026/07/09/2026-13874/enhancing-know-your-upstream-provider-requirements-and-strengthening-stirshaken-call-authentication","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13874.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13874.pdf?1783514714","publication_date":"2026-07-09","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":"and Projected <span class=\"match\">Reporting</span>, Recordkeeping, and Other <span class=\"match\">Compliance</span> <span class=\"match\">Requirements</span> for Small Entities \n The RFA directs agencies to describe the economic impact of proposed rules on small entities, as well as projected <span class=\"match\">reporting</span>, recordkeeping, and other <span class=\"match\">compliance</span> <span class=\"match\">requirements</span>, including an estimate of the classes of small entities which will be subject to the <span class=\"match\">requirements</span> and the type of professional skills necessary for preparation of the <span class=\"match\">report</span> or record. \n \n The \n FNPRM \n proposes measures that may involve new or additional <span class=\"match\">compliance</span> and recordkeeping"},{"title":"Calendar Year 2027 Home Health Prospective Payment System (HH PPS) Rate Update; Requirements for the HH Quality Reporting Program and the Expanded HH Value-Based Purchasing Model; Medicare Provider Enrollment, Durable Medical Equipment (DME), and DME, Prosthetics, Orthotics, and Supplies (DMEPOS) Policies","type":"Proposed Rule","abstract":"This proposed rule would set forth routine updates to the Medicare home health payment rates in accordance with existing statutory and regulatory requirements. In addition, this proposed rule discusses the behavior adjustment and proposes a temporary behavior adjustment and proposes to recalibrate the case-mix weights and update the functional impairment levels; comorbidity subgroups; and low- utilization payment adjustment (LUPA) thresholds for CY 2027. Additionally, this proposed rule discusses the provision of home health palliative care services and includes a request for information (RFI) on a home health specific wage index. This rule would also propose changes to the Home Health Quality Reporting Program (HH QRP) and summarizes potential initiatives to improve alignment between the HH QRP and expanded Home Health Value Based Purchasing (HHVBP) Model. Lastly, the rule would--clarify the application of the DMEPOS face-to- face encounter requirements for the replacement of DMEPOS items; make changes to the provider and supplier enrollment requirements; make changes regarding DME benefit expansion for infusion pumps and drugs; and discuss collection of information requirement changes regarding the DMEPOS Competitive Bidding Program (CBP) country of origin.","document_number":"2026-13602","html_url":"https://www.federalregister.gov/documents/2026/07/06/2026-13602/calendar-year-2027-home-health-prospective-payment-system-hh-pps-rate-update-requirements-for-the-hh","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-06/pdf/2026-13602.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13602.pdf?1782936912","publication_date":"2026-07-06","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":"policies and OASIS QRP <span class=\"match\">reporting</span> <span class=\"match\">requirements</span>, CMS is proposing to revise the OASIS APU data <span class=\"match\">reporting</span> timeframe to reflect a January 1 through December 31 <span class=\"match\">reporting</span> timeframe, or the calendar year. We believe this update would provide clarity to HH payment updates and facilitate the alignment of the HH pay-for-<span class=\"match\">reporting</span> policies with other HH payment policies.\n \n \n b. Proposal \n The proposed revision of the OASIS APU data <span class=\"match\">reporting</span> to a calendar year timeframe would require a transition year in which the current <span class=\"match\">reporting</span> timeframe is moved to the"},{"title":"Electronic Submission of Certain Materials Under the Securities Exchange Act of 1934; Amendments Regarding the FOCUS Report","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\" or \"SEC\") is amending its rules to require electronic filing or submission of certain forms and other filings or submissions that are required to be filed with or submitted to the Commission under the Securities Exchange Act of 1934 (\"Exchange Act\") and the rules and regulations under the Exchange Act. The amendments require the electronic filing or submission on the Commission's Electronic Data Gathering, Analysis, and Retrieval (\"EDGAR\") system, using structured data where appropriate, for certain forms filed or submitted by self- regulatory organizations (\"SROs\"). The amendments require the information currently contained in Form 19b-4(e) to be publicly posted on the SRO's website and remove the manual signature requirements for SRO proposed rule change filings. The Commission is also requiring that a clearing agency post supplemental material to its website. In addition, the Commission is amending rules under the Exchange Act and the Securities Act of 1933 (\"Securities Act\") to require the electronic filing or submission on EDGAR, using structured data where appropriate, of certain forms, reports, and notices provided by broker- dealers, security-based swap dealers, and major security-based swap participants. The amendments also require withdrawal in certain circumstances of notices filed in connection with an exception to counting certain dealing transactions toward determining whether a person is a security-based swap dealer. Finally, the Commission is allowing electronic signatures in certain broker-dealer filings, and amending the Financial and Operational Combined Uniform Single Report (\"FOCUS Report\") to harmonize with other rules, make technical corrections, and provide clarifications.","document_number":"2024-30433","html_url":"https://www.federalregister.gov/documents/2025/01/21/2024-30433/electronic-submission-of-certain-materials-under-the-securities-exchange-act-of-1934-amendments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-21/pdf/2024-30433.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30433.pdf?1737121512","publication_date":"2025-01-21","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"Regarding the FOCUS <span class=\"match\">Report</span> and Signature <span class=\"match\">Requirements</span> in Rule 17a-5, 17a-12, and 18a-7 Filings \n A. Corrective and Clarifying Amendments to the FOCUS <span class=\"match\">Report</span> \n B. Harmonizing FOCUS <span class=\"match\">Report</span> Part IIC With the Call <span class=\"match\">Report</span> \n C. OTC Derivatives Dealer FOCUS <span class=\"match\">Report</span> Filing <span class=\"match\">Requirement</span> \n D. Signature <span class=\"match\">Requirements</span> in Rule 17a-5, 17a-12, and 18a-7 Filings \n 1. Number of Signatures on FOCUS <span class=\"match\">Report</span> \n 2. Electronic Signatures in Rule 17a-5, 17a-12, and 18a-7 Filings \n VII. Amendments to Regulation S-T (Including Structured Data <span class=\"match\">Requirements</span>) and Rule 24b-2 \n A"},{"title":"Demurrage and Detention Billing Requirements","type":"Rule","abstract":"In accordance with the Ocean Shipping Reform Act of 2022, the Federal Maritime Commission (the Commission or FMC) is issuing regulations governing demurrage and detention billing requirements. This final rule requires common carriers and marine terminal operators to include specific minimum information on demurrage and detention invoices, outlines certain detention and demurrage billing practices, such as determination of which parties may appropriately be billed for demurrage or detention charges, and sets timeframes for issuing invoices, disputing charges with the billing party, and resolving such disputes. It adopts with changes the notice of proposed rulemaking published on October 14, 2022. Substantive changes allow consignees to be billed and clarify the timeframe for non-vessel-operating common carriers passing through demurrage and detention charges to issue their own invoices. Non-substantive changes improve clarity and remove drafting errors.","document_number":"2024-02926","html_url":"https://www.federalregister.gov/documents/2024/02/26/2024-02926/demurrage-and-detention-billing-requirements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-26/pdf/2024-02926.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-02926.pdf?1708695912","publication_date":"2024-02-26","agencies":[{"raw_name":"FEDERAL MARITIME COMMISSION","name":"Federal Maritime Commission","id":178,"url":"https://www.federalregister.gov/agencies/federal-maritime-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/178","parent_id":null,"slug":"federal-maritime-commission"}],"excerpts":"billed party to avoid paying the invoice if the <span class=\"match\">dispute</span> is not resolved within 30 days. Although that provision had been added to speed up and incentivize the <span class=\"match\">dispute</span> resolution process, this was not a <span class=\"match\">requirement</span> that was mandated by OSRA 2022. By contrast, the rule keeps the <span class=\"match\">requirement</span> of 46 U.S.C. 41104(d)(1) and codified in 46 CFR 541.5, regarding voiding an invoice that does not include the necessary information, because this <span class=\"match\">requirement</span> was mandated by OSRA 2022.\n \n (d) Release of Cargo During <span class=\"match\">Dispute</span> \n \n Issue: \n The Commission received a few"},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","document_number":"2024-29699","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"and overdraft <span class=\"match\">credit</span> that is subject to Regulation Z as covered overdraft <span class=\"match\">credit</span>. Above breakeven overdraft <span class=\"match\">credit</span> is currently a type of non-covered overdraft <span class=\"match\">credit</span>, but it will become covered overdraft <span class=\"match\">credit</span> when this final rule becomes effective on October 1, 2025.\n \n \n The final rule also requires covered overdraft <span class=\"match\">credit</span> offered by very large financial institutions to be put in a <span class=\"match\">credit</span> account separate from the asset account, and it updates exceptions relating to <span class=\"match\">credit</span> cards. Among other changes, it applies the portions of Regulation Z that"},{"title":"Renewable Fuel Standard (RFS) Program: Standards for 2026 and 2027, Partial Waiver of 2025 Cellulosic Biofuel Volume Requirement, and Other Changes","type":"Rule","abstract":"Under the Clean Air Act (CAA), the U.S. Environmental Protection Agency (EPA) is required to determine the applicable volume requirements for the Renewable Fuel Standard (RFS) for years after those specified in the statute. The EPA is establishing the applicable volumes and percentage standards for 2026 and 2027 for cellulosic biofuel, biomass-based diesel (BBD), advanced biofuel, and total renewable fuel. The EPA is also partially waiving the 2025 cellulosic biofuel volume requirement and revising the associated percentage standard due to a shortfall in cellulosic biofuel production. Finally, the EPA is promulgating several regulatory changes to the RFS program, including removing renewable electricity as a qualifying renewable fuel under the RFS program (eRINs) and making minor revisions to the biogas provisions of the RFS program.","document_number":"2026-06275","html_url":"https://www.federalregister.gov/documents/2026/04/01/2026-06275/renewable-fuel-standard-rfs-program-standards-for-2026-and-2027-partial-waiver-of-2025-cellulosic","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-01/pdf/2026-06275.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06275.pdf?1774961112","publication_date":"2026-04-01","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":"Equations \n D. Renewable Fuel Pathways \n E. Updates to Definitions \n F. <span class=\"match\">Compliance</span> <span class=\"match\">Reporting</span>, Recordkeeping, and Registration Provisions \n G. New Approved Measurement Protocols \n H. Biodiesel and Renewable Diesel <span class=\"match\">Requirements</span> \n I. Extension of RFS <span class=\"match\">Compliance</span> <span class=\"match\">Reporting</span> Deadlines \n J. Biogas Regulations \n K. Technical Amendments \n IX. Set 1 Remand \n X. Administrative Actions \n A. Assessment of the Domestic Aggregate <span class=\"match\">Compliance</span> Approach \n B. Assessment of the Canadian Aggregate <span class=\"match\">Compliance</span> Approach \n XI. Statutory and Executive Order Reviews \n A. Executive"}]}