{"description":"Documents matching 'compliance dept understand consumer rights'","count":433,"total_pages":22,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+dept+understand+consumer+rights&format=json&page=2","results":[{"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":"of such transactions than cash.\n 36 \n \n For many <span class=\"match\">consumers</span>, general-use digital <span class=\"match\">consumer</span> payment applications offer an alternative, technological replacement for non-digital payment methods.\n 37 \n \n <span class=\"match\">Consumers</span> increasingly have adopted general-use digital <span class=\"match\">consumer</span> payment applications \n 38 \n \n as part of a broader movement toward noncash payments.\n 39 \n \n Amid growing merchant acceptance of general-use digital <span class=\"match\">consumer</span> payment applications, <span class=\"match\">consumers</span> with middle and lower incomes use digital <span class=\"match\">consumer</span> payment applications for a share of their overall"},{"title":"Fair Lending Report of the Consumer Financial Protection Bureau","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending Report of the Consumer Financial Protection Bureau (Fair Lending Report) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This report describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2023.","document_number":"2024-14533","html_url":"https://www.federalregister.gov/documents/2024/07/02/2024-14533/fair-lending-report-of-the-consumer-financial-protection-bureau","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-02/pdf/2024-14533.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14533.pdf?1719837925","publication_date":"2024-07-02","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"especially important with the growth of advanced algorithms and personal <span class=\"match\">consumer</span> data in credit underwriting. The legal requirement to explain the reasons for adverse actions helps improve <span class=\"match\">consumers</span>' chances for future credit and protect <span class=\"match\">consumers</span> from illegal discrimination and serve an educational role, allowing <span class=\"match\">consumers</span> to <span class=\"match\">understand</span> the reasons for a creditor's action and take steps to improve their credit status or rectify mistakes made by creditors.\n \n \n \n 13 \n  CFPB, \n <span class=\"match\">Consumer</span> Financial Protection Circular 2023-03 Adverse action notification"},{"title":"Reduction in Force Appeals","type":"Proposed Rule","abstract":"The Office of Personnel Management (OPM) is issuing a proposed rule to revise its regulations governing appeals of reduction-in-force (RIF) actions. OPM proposes to transfer appeal rights for employees who have been furloughed more than 30 days, separated, or demoted by a RIF action from the Merit Systems Protection Board (MSPB) to OPM. OPM expects this change will promote greater efficiency and reduce costs to agencies in effectuating RIF actions, which may be necessary in a variety of circumstances, such as to eliminate duplicative or unnecessary functions or align agency workforces with new technology, changing mission needs, or budgetary constraints.","document_number":"2026-02576","html_url":"https://www.federalregister.gov/documents/2026/02/10/2026-02576/reduction-in-force-appeals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-10/pdf/2026-02576.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-02576.pdf?1770644712","publication_date":"2026-02-10","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"}],"excerpts":"Congress's choice not to create statutory appeal <span class=\"match\">rights</span> in 5 U.S.C. Part III, Subpart B for employees or other parties to challenge RIF actions demonstrates Congress's intention to allow the contours of any RIF appeal <span class=\"match\">rights</span> to be determined by OPM regulation.\n 6 \n \n Thus, MSPB's authority to hear RIF appeals is provided for in OPM regulation (5 CFR 351.901), not statute. The MSPB acknowledged that it derived its authority to review agency RIF actions through OPM regulations. \n See Kohfield \n v. \n <span class=\"match\">Dept</span>. of the Navy, \n 75 M.S.P.R. 1, 4 (1997) (citing"},{"title":"Residential Property Assessed Clean Energy Financing (Regulation Z)","type":"Rule","abstract":"Section 307 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) directs the Consumer Financial Protection Bureau (CFPB or Bureau) to prescribe ability-to-repay rules for Property Assessed Clean Energy (PACE) financing and to apply the civil liability provisions of the Truth in Lending Act (TILA) for violations. PACE financing is financing to cover the costs of home improvements that results in a tax assessment on the real property of the consumer. In this final rule, the CFPB implements EGRRCPA section 307 and amends Regulation Z to address how TILA applies to PACE transactions.","document_number":"2024-30628","html_url":"https://www.federalregister.gov/documents/2025/01/10/2024-30628/residential-property-assessed-clean-energy-financing-regulation-z","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2024-30628.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30628.pdf?1736343918","publication_date":"2025-01-10","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":"data collection on PACE financing that is discussed below.\n \n \n 1. <span class=\"match\">Consumer</span> Advocates \n The CFPB began corresponding with <span class=\"match\">consumer</span> advocates regarding PACE financing in 2016. These stakeholders have shared their concerns about <span class=\"match\">consumer</span> risks in the PACE financing market and stories of PACE financing resulting in financial harm to <span class=\"match\">consumers</span>. \n The CFPB continued the engagement after EGRRCPA section 307 passed, meeting on numerous occasions with individual <span class=\"match\">consumer</span> advocates and <span class=\"match\">consumer</span> advocacy groups to discuss a range of topics related to PACE financing"},{"title":"Enhancing Transparency of Airline Ancillary Service Fees","type":"Rule","abstract":"The U.S. Department of Transportation (Department or DOT) is issuing a final rule to strengthen protections for consumers by ensuring that they have access to fee information for transporting baggage and changing or canceling a flight before ticket purchase. Under the final rule, U.S. air carriers, foreign air carriers, and ticket agents must clearly disclose passenger-specific or itinerary- specific fees for these services to consumers whenever fare and schedule information is provided for flights to, within, and from the United States. The Department is further requiring that carriers provide useable, current, and accurate information regarding fees for these critical ancillary services to any entity that is required to disclose critical ancillary service fee information to consumers. This final rule is in response to the Executive order on Promoting Competition in the American Economy, which directs the Department to take various actions to promote the interests of American workers, businesses, and consumers. The rule will ensure that consumers have the information they need to understand the true costs of air transportation that apply to them, which will create a more competitive market with better outcomes for consumers.","document_number":"2024-08609","html_url":"https://www.federalregister.gov/documents/2024/04/30/2024-08609/enhancing-transparency-of-airline-ancillary-service-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-30/pdf/2024-08609.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08609.pdf?1714398253","publication_date":"2024-04-30","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":"during a meeting of the ACPAC, two <span class=\"match\">consumer</span> organizations underscored the difficulties faced by <span class=\"match\">consumers</span> in determining the total cost of air travel.\n 28 \n \n <span class=\"match\">Consumer</span> advocates maintained that <span class=\"match\">consumers</span> were confused by the complex charts that carriers and ticket agents provide to <span class=\"match\">consumers</span> to determine their baggage fees. The ACPAC heard from several <span class=\"match\">consumer</span> advocacy groups, including Travelers United, the National <span class=\"match\">Consumers</span> League (NCL), and the Global Business Travel Association (GBTA) regarding this issue. <span class=\"match\">Consumer</span> organizations that presented to"},{"title":"Consumer Information Requests to Large Banks and Credit Unions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this Advisory Opinion regarding section 1034(c) of the Consumer Financial Protection Act (CFPA), which requires large banks and credit unions to comply in a timely manner with consumer requests for information concerning their accounts for consumer financial products and services, subject to limited exceptions.","document_number":"2023-22774","html_url":"https://www.federalregister.gov/documents/2023/10/16/2023-22774/consumer-information-requests-to-large-banks-and-credit-unions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-16/pdf/2023-22774.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-22774.pdf?1697201205","publication_date":"2023-10-16","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":"such conditions or obstacles could include forcing <span class=\"match\">consumers</span> to endure excessively long wait times to make a request to a customer service representative, requiring <span class=\"match\">consumers</span> to submit the same request multiple times, requiring <span class=\"match\">consumers</span> to interact with a chatbot that does not <span class=\"match\">understand</span> or adequately respond to <span class=\"match\">consumers</span>' requests, or directing <span class=\"match\">consumers</span> to obtain information that the institution possesses from a third party instead.\n 30 \n \n Such conditions or obstacles may frustrate <span class=\"match\">consumers</span>' ability to exercise their right to request information"},{"title":"All-In Pricing for Cable and Satellite Television Service","type":"Rule","abstract":"In this document, the Federal Communications Commission (Commission) implements the \"all-in\" rule, requiring cable operators and direct broadcast satellite (DBS) providers to state an aggregate price for the video programming that they provide as a clear, easy-to- understand, and accurate single line item on subscribers' bills, including on bills for legacy or grandfathered video programming service plans. The \"all-in\" rule also requires cable operators and DBS providers that communicate a price for video programming in promotional materials to state the aggregate price for the video programming in a clear, easy-to-understand, and accurate manner.","document_number":"2024-07404","html_url":"https://www.federalregister.gov/documents/2024/04/19/2024-07404/all-in-pricing-for-cable-and-satellite-television-service","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-19/pdf/2024-07404.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07404.pdf?1713444329","publication_date":"2024-04-19","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":"four main areas of <span class=\"match\">consumer</span> protection related to billing: (1) before entering into a contract with a <span class=\"match\">consumer</span>, a multichannel video programming distributor (MVPD) must provide the <span class=\"match\">consumer</span> the total monthly charge for MVPD service, whether offered individually or as part of a bundled service, including any related administrative fees, equipment fees, or other charges, (2) not later than 24 hours after contracting with a <span class=\"match\">consumer</span>, an MVPD must provide the total monthly charge that a <span class=\"match\">consumer</span> can expect to pay and permit the <span class=\"match\">consumer</span> to cancel without"},{"title":"Energy Conservation Program: Energy Conservation Standards for Consumer Furnaces","type":"Rule","abstract":"The Energy Policy and Conservation Act, as amended (\"EPCA\"), prescribes energy conservation standards for various consumer products and certain commercial and industrial equipment, including consumer furnaces. EPCA also requires the U.S. Department of Energy (\"DOE\" or \"the Department\") to determine periodically whether more stringent standards would be technologically feasible and economically justified, and would result in significant energy savings. In this final rule, DOE is adopting amended energy conservation standards for consumer furnaces, specifically non-weatherized gas furnaces and mobile home gas furnaces. The Department has determined that the amended energy conservation standards for the subject products would result in significant conservation of energy, and are technologically feasible and economically justified.","document_number":"2023-25514","html_url":"https://www.federalregister.gov/documents/2023/12/18/2023-25514/energy-conservation-program-energy-conservation-standards-for-consumer-furnaces","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-12-18/pdf/2023-25514.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-25514.pdf?1702647915","publication_date":"2023-12-18","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":"3% discount rate \n \n \n \n <span class=\"match\">Consumer</span> Operating Cost Savings \n 24.8 \n \n \n Climate Benefits * \n 17.3 \n \n \n Net Health Benefits ** \n 26.6 \n \n \n Total Monetized Benefits † \n 68.7 \n \n \n <span class=\"match\">Consumer</span> Incremental Product Costs ‡ \n 8.5 \n \n \n Net Monetized Benefits \n 60.2 \n \n \n Change in Producer Cashflow (INPV ‡‡) \n (0.37)—(0.03) \n \n \n \n 7% discount rate \n \n \n \n <span class=\"match\">Consumer</span> Operating Cost Savings \n 9.3 \n \n \n Climate Benefits * (3% discount rate) \n 17.3 \n \n \n Net Health Benefits ** \n 8.7 \n \n \n Total Monetized Benefits † \n 35.3 \n \n \n <span class=\"match\">Consumer</span> Incremental Product Costs ‡"},{"title":"Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2025; Updating Section 1332 Waiver Public Notice Procedures; Medicaid; Consumer Operated and Oriented Plan (CO-OP) Program; and Basic Health Program","type":"Rule","abstract":"This final rule includes payment parameters and provisions related to the HHS-operated risk adjustment program, as well as 2025 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 requirements related to the auto re-enrollment hierarchy; essential health benefits; failure to file Federal income taxes to reconcile advance payments of the premium tax credit (APTC); non- standardized plan option limits in the FFEs and SBE-FPs and a related exceptions process; standardized plan options in the FFEs and SBE-FPs; special enrollment periods (SEPs); direct enrollment (DE) entities supporting Exchange applications and enrollments; the Insurance Affordability Program enrollment eligibility verification process; requirements for agents, brokers, web-brokers, and DE entities assisting Exchange consumers; network adequacy; public notice procedures for section 1332 waivers; prescription drug benefits; updates to the Consumer Operated and Oriented Plan (CO-OP) Program; and State flexibility on the effective date of coverage in the Basic Health Program (BHP).","document_number":"2024-07274","html_url":"https://www.federalregister.gov/documents/2024/04/15/2024-07274/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2025","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-15/pdf/2024-07274.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07274.pdf?1712351231","publication_date":"2024-04-15","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":"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":"representatives must be able to assist <span class=\"match\">consumers</span> with their QHP application, which includes providing <span class=\"match\">consumers</span> information on their APTC and CSR eligibility, helping <span class=\"match\">consumers</span> <span class=\"match\">understand</span> their QHP options, helping <span class=\"match\">consumers</span> select a QHP, and helping <span class=\"match\">consumers</span> submit QHP enrollment applications to the Exchange. We are finalizing these standards with modifications.\n \n \n Currently, § 155.205(a) requires that Exchanges provide for operation of a <span class=\"match\">consumer</span>-accessible, toll-free call center that addresses the needs of <span class=\"match\">consumers</span> requesting assistance. For a State"},{"title":"Acceleration of Effectiveness of Registration Statements of Issuers With Certain Mandatory Arbitration Provisions","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is issuing this statement to inform the public that the presence of a provision requiring arbitration of investor claims arising under the Federal securities laws will not impact decisions regarding whether to accelerate the effectiveness of a registration statement. Accordingly, when making such decisions, the staff will focus on the adequacy of the registration statement's disclosures, including disclosure regarding the arbitration provision.","document_number":"2025-18238","html_url":"https://www.federalregister.gov/documents/2025/09/19/2025-18238/acceleration-of-effectiveness-of-registration-statements-of-issuers-with-certain-mandatory","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-19/pdf/2025-18238.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18238.pdf?1758199523","publication_date":"2025-09-19","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":"judicial forum; \n 25 \n \n and (2) such provisions could unduly impede the ability of investors to bring private actions to vindicate their <span class=\"match\">rights</span> under the Federal securities laws by foreclosing class action litigation in courts.\n \n \n \n 25 \n  15 U.S.C. 77n is the anti-waiver provision in the Securities Act (“section 14”). (“Any condition, stipulation, or provision binding any person acquiring any security to waive <span class=\"match\">compliance</span> with any provision of this title or of the rules and regulations of the Commission shall be void.”). 15 U.S.C. 78cc(a) is the anti-waiver"},{"title":"Registry of Supervised Nonbanks That Use Form Contracts To Impose Terms and Conditions That Seek To Waive or Limit Consumer Legal Protections","type":"Proposed Rule","abstract":"The Consumer Financial Protection Act of 2010 (CFPA) requires the Consumer Financial Protection Bureau (Bureau or CFPB) to monitor markets for consumer financial products and services for risks to consumers in order to support the various statutory functions of the CFPB, and to conduct a risk-based nonbank supervision program for the purpose of assessing compliance with Federal consumer financial law (among other purposes). Pursuant to these authorities, the CFPB is proposing a rule to require that nonbanks subject to its supervisory authority, with limited exceptions, register each year in a nonbank registration system established by the CFPB information about their use of certain terms and conditions in form contracts for consumer financial products and services that pose risks to consumers. In particular, these nonbanks would be required to register if they use specific terms and conditions defined in the proposed rule that attempt to waive consumers' legal protections, to limit how consumers enforce their rights, or to restrict consumers' ability to file complaints or post reviews. To facilitate public awareness and oversight by other regulators including the States, the Bureau is proposing to publish information identifying registrants and their use of these terms and conditions.","document_number":"2023-00704","html_url":"https://www.federalregister.gov/documents/2023/02/01/2023-00704/registry-of-supervised-nonbanks-that-use-form-contracts-to-impose-terms-and-conditions-that-seek-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-02-01/pdf/2023-00704.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-00704.pdf?1675172717","publication_date":"2023-02-01","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"limitation on how <span class=\"match\">consumers</span> may seek to enforce or exercise their <span class=\"match\">rights</span>. In this proposal, the Bureau is focused on terms and conditions in form contracts that expressly seek to impose the following limitations on <span class=\"match\">consumer</span> <span class=\"match\">rights</span> and other legal protections: waivers of claims a <span class=\"match\">consumer</span> can bring in a legal action; limits on the company's liability to a <span class=\"match\">consumer</span>; limits on the <span class=\"match\">consumer's</span> ability to bring a legal action by dictating the time frame, forum, or venue for a <span class=\"match\">consumer</span> to bring a legal action; limits on the \n \n ability of a <span class=\"match\">consumer</span> to bring or"},{"title":"Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2025; Updating Section 1332 Waiver Public Notice Procedures; Medicaid; Consumer Operated and Oriented Plan (CO-OP) Program; and Basic Health Program","type":"Proposed Rule","abstract":"This proposed rule includes payment parameters and provisions related to the HHS-operated risk adjustment program, as well as 2025 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 proposed rule also includes proposed requirements related to the auto re-enrollment hierarchy; essential health benefits; failure to file and reconcile; non-standardized plan option limits and an exceptions process; standardized plan options; special enrollment periods (SEPs); direct enrollment (DE) entities; Insurance Affordability Program enrollment eligibility verification process; requirements for agents, brokers, web-brokers, and DE entities assisting Exchange consumers; network adequacy; public notice procedures for section 1332 waivers; prescription drug benefits; updates to the Consumer Operated and Oriented Plan (CO-OP) Program; State flexibility on the financial methodology used for Medicaid eligibility determinations for non- modified adjusted gross income (MAGI) populations; and State flexibility on the effective date of coverage in the Basic Health Program (BHP). A summary of this proposed rule may be found at https:// www.regulations.gov/.","document_number":"2023-25576","html_url":"https://www.federalregister.gov/documents/2023/11/24/2023-25576/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2025","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-24/pdf/2023-25576.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-25576.pdf?1700169608","publication_date":"2023-11-24","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":"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":" meet the following additional requirements: their call center must provide <span class=\"match\">consumers</span> with access to a live call center representative during the Exchanges' published hours of operation; and their live call center representatives must be able to assist <span class=\"match\">consumers</span> with their QHP application, which includes providing <span class=\"match\">consumers</span> information on their APTC and CSR eligibility, helping <span class=\"match\">consumers</span> <span class=\"match\">understand</span> their QHP options, helping <span class=\"match\">consumers</span> select a QHP, and helping <span class=\"match\">consumers</span> submit QHP enrollment applications to the Exchange. \n Sections 1311(d)(4)(B)"},{"title":"Combating Auto Retail Scams Trade Regulation Rule","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing this Combating Auto Retail Scams Trade Regulation Rule (\"CARS Rule,\" \"Rule,\" or \"Final Rule\") and Statement of Basis and Purpose (\"SBP\") related to the sale, financing, and leasing of covered motor vehicles by covered motor vehicle dealers. The Final Rule, among other things, prohibits motor vehicle dealers from making certain misrepresentations in the course of selling, leasing, or arranging financing for motor vehicles, requires accurate pricing disclosures in dealers' advertising and sales communications, requires dealers to obtain consumers' express, informed consent for charges, prohibits the sale of any add-on product or service that confers no benefit to the consumer, and requires dealers to keep records of certain advertisements and customer transactions.","document_number":"2023-27997","html_url":"https://www.federalregister.gov/documents/2024/01/04/2023-27997/combating-auto-retail-scams-trade-regulation-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-04/pdf/2023-27997.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-27997.pdf?1703771113","publication_date":"2024-01-04","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":"Doc. No. FTC-2022-0046-7607 at 13; <span class=\"match\">Consumer</span> Fed'n of Am., “2022 <span class=\"match\">Consumer</span> Complaint Survey Report” 4-5 (May 2023), \n https://consumerfed.org/wp-content/uploads/2023/05/2022-<span class=\"match\">Consumer</span>-Complaint-Survey-Report.pdf \n (“For the seventh year in a row, auto sales, leases and repairs are the #1 complaint category. <span class=\"match\">Consumers</span> filed complaints about add-on products and services, bait and switch pricing, and mechanical condition issues.”).\n \n \n \n \n 47 \n  \n See \n <span class=\"match\">Consumer</span> Sentinel Network Data Book 2021, \n supra \n note 45, at 8 (listing vehicle-related complaints"},{"title":"Inclusive Competition and Market Integrity Under the Packers and Stockyards Act","type":"Rule","abstract":"The U.S. Department of Agriculture's (USDA or Department) Agricultural Marketing Service (AMS or the Agency) amends its Packers and Stockyards Act, 1921, regulations to prohibit undue prejudice and unjust discrimination against individuals on a prohibited basis unrelated to the quality of the service or product provided. The rule also identifies retaliatory practices that interfere with lawful communications, assertion of rights, and associated participation, among other protected activities, as unjust discrimination prohibited by the law. Finally, the rule identifies deceptive practices that violate the Packers and Stockyards Act with respect to contract formation, contract performance, contract termination, and contract refusal. The purpose of this rule is to promote inclusive competition and market integrity in the livestock, meats, poultry, and live poultry markets.","document_number":"2024-04419","html_url":"https://www.federalregister.gov/documents/2024/03/06/2024-04419/inclusive-competition-and-market-integrity-under-the-packers-and-stockyards-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-06/pdf/2024-04419.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-04419.pdf?1709646316","publication_date":"2024-03-06","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Agricultural Marketing Service","name":"Agricultural Marketing Service","id":9,"url":"https://www.federalregister.gov/agencies/agricultural-marketing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/9","parent_id":12,"slug":"agricultural-marketing-service"}],"excerpts":"may enable other covered producers to effectuate their <span class=\"match\">rights</span> under the Act and related laws, which would improve market integrity in the markets governed by the Act. Without such protections, enforcement of the Act may be frustrated overall. \n \n Finally, paragraph (b)(2)(vii) protects a covered producer's ability to assert any of the <span class=\"match\">rights</span> granted under the Act or the regulations in 9 CFR 201, or to assert <span class=\"match\">rights</span> afforded by their contract. These <span class=\"match\">rights</span> include, for example, producers' <span class=\"match\">rights</span> to view the weighing of flocks, which is legally protected"},{"title":"Older Americans Act: Grants to State and Community Programs on Aging; Grants to Indian Tribes and Native Hawaiian Grantees for Supportive, Nutrition, and Caregiver Services; Grants for Supportive and Nutritional Services to Older Hawaiian Natives; and Allotments for Vulnerable Elder Rights Protection Activities","type":"Rule","abstract":"ACL is issuing this final rule to modernize the implementing regulations of the Older Americans Act of 1965 (\"the Act\" or OAA). These changes advance the policy goals of the Act as articulated by Congress, including equity in service delivery, accountability for funds expended, and clarity of administration for ACL and its grantees. This final rule ultimately facilitates improved service delivery and enhanced benefits for OAA participants, particularly those in greatest economic need and greatest social need consistent with the statute.","document_number":"2024-01913","html_url":"https://www.federalregister.gov/documents/2024/02/14/2024-01913/older-americans-act-grants-to-state-and-community-programs-on-aging-grants-to-indian-tribes-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-14/pdf/2024-01913.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-01913.pdf?1707227113","publication_date":"2024-02-14","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Administration for Community Living","name":"Community Living Administration","id":587,"url":"https://www.federalregister.gov/agencies/community-living-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/587","parent_id":221,"slug":"community-living-administration"}],"excerpts":"communication.\n 25 \n \n \n \n \n 22 \n  42 U.S.C. 12101 \n et seq. \n \n \n \n \n 23 \n  29 U.S.C. 794.\n \n \n \n \n 24 \n  42 U.S.C. 18116.\n \n \n \n \n 25 \n  \n How to File a Civil <span class=\"match\">Rights</span> Complaint, \n U.S. <span class=\"match\">Dept</span>. of Health and Human Serv., Office for Civil <span class=\"match\">Rights</span>, \n https://www.hhs.gov/civil-<span class=\"match\">rights</span>/filing-a-complaint/complaint-process/index.html \n (last visited Oct. 11, 2023).\n \n \n While we strongly recommend that OAA grantees and subrecipients train staff on cultural competency and disability accommodations as a best practice, training requirements in disability accommodation"},{"title":"Poultry Grower Payment Systems and Capital Improvement Systems","type":"Rule","abstract":"This final rule by the United States Department of Agriculture's (USDA or the Department) Agricultural Marketing Service (AMS or the Agency) amends the Agency's regulations under the Packers and Stockyards Act, 1921 (P&S Act or Act). The Act protects fair trade, financial integrity, and competitive markets for poultry. The final rule prohibits certain payment practices under poultry grower ranking systems (commonly known as tournaments) in contract poultry production for broiler chickens, requires live poultry dealers (LPDs) to adopt policies and procedures for operating a fair ranking system for broiler growers, and requires LPDs to provide certain information to broiler growers when the LPD requests or requires the grower to make additional capital investments. These regulations will increase transparency and address deception and unfairness in broiler grower payments, tournament operations, and capital improvement systems.","document_number":"2025-00508","html_url":"https://www.federalregister.gov/documents/2025/01/16/2025-00508/poultry-grower-payment-systems-and-capital-improvement-systems","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-16/pdf/2025-00508.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00508.pdf?1736948726","publication_date":"2025-01-16","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Agricultural Marketing Service","name":"Agricultural Marketing Service","id":9,"url":"https://www.federalregister.gov/agencies/agricultural-marketing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/9","parent_id":12,"slug":"agricultural-marketing-service"}],"excerpts":"to conduct a <span class=\"match\">compliance</span> review of each complex no less than once every two years to ensure <span class=\"match\">compliance</span> with policies and procedures established under proposed § 201.110(a) and (b)(1). LPDs would need to first design a <span class=\"match\">compliance</span> review system to be used for conducting written review of <span class=\"match\">compliance</span> by complex managers, production supervisors, and field agents. <span class=\"match\">Compliance</span> reviews would then need to be conducted every two years at each complex. \n \n AMS estimates that the aggregate one-time costs of designing and initiating the <span class=\"match\">compliance</span> review process"},{"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":"the SEC, and setting forth the procedure for resubmitting a filing after a withdrawal without incurring an \n \n additional filing fee); 78 FR 68705 (Nov. 15, 2013) (defining and applying the concepts of “all commercially significant <span class=\"match\">rights</span>,” “limited manufacturing <span class=\"match\">rights</span>,” and “co-<span class=\"match\">rights</span>” in determining whether the <span class=\"match\">rights</span> transferred with regard to a patent or a part of a patent in the pharmaceutical industry constitute a potentially reportable asset acquisition under the Act); 81 FR 60257 (Sept. 1, 2016) (allowing DVD submissions and clarifying the"},{"title":"Prediction Markets; Public Interest Determinations","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (Commission or CFTC) is proposing amendments to its rules concerning event contract derivatives. The markets for these event contracts are commonly referred to as \"prediction markets.\" In particular, the Commission is proposing amendments to further specify the types of event contracts that may be subject to a determination that they are contrary to the public interest, such that they may not be listed for trading or accepted for clearing on or through a CFTC-registered entity, as provided in the Commodity Exchange Act (CEA). The proposed amendments set out factors the Commission would apply in that determination and conform the process by which the determination would be made to the CEA. The Commission also is proposing amendments to the procedure for the Commission's determination to enhance clarity and organization, as well as a definition of the term \"gaming\" and a rule regarding when event contracts \"involve\" an underlying activity.","document_number":"2026-11854","html_url":"https://www.federalregister.gov/documents/2026/06/12/2026-11854/prediction-markets-public-interest-determinations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-12/pdf/2026-11854.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11854.pdf?1781181917","publication_date":"2026-06-12","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"an event contract and the Special Rule applies only if the event contract is certified to be in <span class=\"match\">compliance</span> with all other requirements (because an event contract can be listed only if it is certified to be in <span class=\"match\">compliance</span>).\n 53 \n \n The Commission therefore preliminarily believes that, in general, the Special Rule should have only a limited application in cases where the listing, trading, and clearing of event contracts that would be otherwise in <span class=\"match\">compliance</span> with all applicable requirements should be prohibited because the event contracts involve an activity"},{"title":"Residential Property Assessed Clean Energy Financing (Regulation Z)","type":"Proposed Rule","abstract":"Section 307 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) directs the Consumer Financial Protection Bureau (CFPB or Bureau) to prescribe ability-to-repay rules for Property Assessed Clean Energy (PACE) financing and to apply the civil liability provisions of the Truth in Lending Act (TILA) for violations. PACE financing is financing to cover the costs of home improvements that results in a tax assessment on the real property of the consumer. In this notice of proposed rulemaking, the Bureau proposes to implement EGRRCPA section 307 and to amend Regulation Z to address how TILA applies to PACE transactions to account for the unique nature of PACE.","document_number":"2023-09468","html_url":"https://www.federalregister.gov/documents/2023/05/11/2023-09468/residential-property-assessed-clean-energy-financing-regulation-z","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09468.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-09468.pdf?1683722717","publication_date":"2023-05-11","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":"from <span class=\"match\">consumers</span> in California and Florida. Many of the complaints allege fraud, deceptive practices, overly high costs, or trouble with refinancing the <span class=\"match\">consumer's</span> home. Six of the complaints involve older Americans, and five of the complaints involve <span class=\"match\">consumers</span> with limited English proficiency. <span class=\"match\">Consumer</span> advocates have suggested that <span class=\"match\">consumers</span> may not be aware of their ability to submit PACE complaints to the CFPB database or may have had difficulty categorizing them, which may have resulted in a lower number of complaints reported. <span class=\"match\">Consumers</span> in California"},{"title":"Energy Conservation Program: Energy Conservation Standards for Commercial Water Heating Equipment","type":"Rule","abstract":"The Energy Policy and Conservation Act, as amended (\"EPCA\"), prescribes energy conservation standards for various consumer products and certain commercial and industrial equipment, including Commercial Water Heating (\"CWH\") equipment. EPCA also requires the U.S. Department of Energy (\"DOE\") to periodically review standards. In this final rule, DOE is adopting amended energy conservation standards for CWH equipment.","document_number":"2023-20392","html_url":"https://www.federalregister.gov/documents/2023/10/06/2023-20392/energy-conservation-program-energy-conservation-standards-for-commercial-water-heating-equipment","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-06/pdf/2023-20392.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-20392.pdf?1696509919","publication_date":"2023-10-06","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":"Contractor → <span class=\"match\">Consumer</span> \n • Manufacturer → Manufacturer Representative → Mechanical Contractor → <span class=\"match\">Consumer</span> \n • Manufacturer → Retailer → Mechanical Contractor → <span class=\"match\">Consumer</span> \n DOE characterizes the new construction distribution channels for the residential and commercial buildings sectors as follows: \n • Manufacturer → Wholesaler → Mechanical Contractor → General Contractor → <span class=\"match\">Consumer</span> \n • Manufacturer → Manufacturer Representative → Mechanical Contractor → General Contractor → <span class=\"match\">Consumer</span> \n • Manufacturer → Retailer → General Contractor → <span class=\"match\">Consumer</span> \n In addition"}]}