{"description":"Documents matching 'compliance fair housing udap laws'","count":25,"total_pages":2,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+fair+housing+udap+laws&format=json&page=2","results":[{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Rule","abstract":"The Federal Housing Finance Agency (\"FHFA\" or the \"Agency\") is issuing this final rule to repeal the Fair Lending, Fair Housing, and Equitable Housing Finance Plans regulation (\"part 1293\"). After considering public comments received in response to the proposed rule FHFA published on July 28, 2025, this final rule adopts the proposed rule without change.","document_number":"2026-02325","html_url":"https://www.federalregister.gov/documents/2026/02/06/2026-02325/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-06/pdf/2026-02325.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-02325.pdf?1770299111","publication_date":"2026-02-06","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"comply with applicable <span class=\"match\">fair</span> lending and <span class=\"match\">fair</span> <span class=\"match\">housing</span> <span class=\"match\">laws</span>, such as the <span class=\"match\">Fair</span> <span class=\"match\">Housing</span> Act,\n 14 \n \n Equal Credit Opportunity Act (“ECOA”),\n 15 \n \n the <span class=\"match\">fair</span> <span class=\"match\">housing</span> provisions of the Federal <span class=\"match\">Housing</span> Enterprises Financial Safety and Soundness Act of 1992, as amended (Safety and Soundness Act),\n 16 \n \n and the prohibitions on Unfair or Deceptive Acts or Practices (“<span class=\"match\">UDAP</span>”) under the Federal Trade Commission (“FTC”) Act; \n 17 \n \n and does not change Enterprise or Bank obligations to meet statutory and regulatory affordable <span class=\"match\">housing</span> goals, the Enterprises'"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (\"FHFA\" or the \"Agency\") is requesting comment on the notice of proposed rulemaking repealing the Fair Lending, Fair Housing, and Equitable Housing Finance Plans regulation.","document_number":"2025-14183","html_url":"https://www.federalregister.gov/documents/2025/07/28/2025-14183/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-28/pdf/2025-14183.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-14183.pdf?1753447518","publication_date":"2025-07-28","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"16 \n  \n See \n 12 CFR 1293.2 (defines “<span class=\"match\">fair</span> <span class=\"match\">housing</span> and <span class=\"match\">fair</span> lending <span class=\"match\">laws</span>” to be the <span class=\"match\">Fair</span> <span class=\"match\">Housing</span> Act, the Equal Credit Opportunity Act, and, with respect to an Enterprise, 12 U.S.C. 4545).\n \n \n \n \n 17 \n  \n See \n 12 CFR 1293.11(a) and (b) (<span class=\"match\">compliance</span> with <span class=\"match\">fair</span> <span class=\"match\">housing</span> and <span class=\"match\">fair</span> lending <span class=\"match\">laws</span> and the FTC Act's prohibition against <span class=\"match\">UDAP</span>).\n \n \n \n With respect to the <span class=\"match\">Fair</span> <span class=\"match\">Housing</span> Act, the Department of <span class=\"match\">Housing</span> and Urban Development (“HUD”) is the administering agency.\n 18 \n \n Similarly, with respect to the <span class=\"match\">fair</span> <span class=\"match\">housing</span> provisions of the Safety and Soundness"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is issuing this final rule that addresses barriers to sustainable housing opportunities for underserved communities by codifying existing FHFA practices in regulation and adding new requirements related to fair lending, fair housing, unfair or deceptive acts or practices, and Equitable Housing Finance Plans. The final rule furthers FHFA's fulfillment of its statutory purposes and its oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Banks (Banks) (Fannie Mae and Freddie Mac collectively, the Enterprises; the Enterprises and the Banks collectively, the regulated entities), and their fulfillment of their statutory purposes.","document_number":"2024-09559","html_url":"https://www.federalregister.gov/documents/2024/05/16/2024-09559/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-16/pdf/2024-09559.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09559.pdf?1715777113","publication_date":"2024-05-16","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"FHFA issued orders to Fannie Mae and Freddie Mac for regular and special reports related to <span class=\"match\">fair</span> <span class=\"match\">housing</span> and <span class=\"match\">fair</span> lending.\n 22 \n \n FHFA issued guidance for the Enterprises on <span class=\"match\">fair</span> <span class=\"match\">housing</span> and <span class=\"match\">fair</span> lending supervisory expectations.\n 23 \n \n FHFA coordinates with HUD on <span class=\"match\">fair</span> lending and <span class=\"match\">fair</span> <span class=\"match\">housing</span> oversight,\n 24 \n \n and established a <span class=\"match\">fair</span> lending oversight data system in part to facilitate cooperation in interagency <span class=\"match\">fair</span> <span class=\"match\">housing</span> and <span class=\"match\">fair</span> lending oversight.\n 25 \n \n FHFA has also implemented the referral program for potential mortgage pricing disparities"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders","type":"Rule","abstract":"Under the Consumer Financial Protection Act of 2010 (CFPA), the Consumer Financial Protection Bureau (Bureau or CFPB) is issuing this final rule to require certain types of nonbank covered persons subject to certain final public orders obtained or issued by a government agency in connection with the offering or provision of a consumer financial product or service to report the existence of the orders and related information to a Bureau registry. The Bureau is also requiring certain supervised nonbanks to file annual reports regarding compliance with registered orders.","document_number":"2024-12689","html_url":"https://www.federalregister.gov/documents/2024/07/08/2024-12689/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-08/pdf/2024-12689.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12689.pdf?1720183519","publication_date":"2024-07-08","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"issued under State <span class=\"match\">laws</span> prohibiting unfair, deceptive, or abusive acts or practices that are identified in appendix A to part 1092, to the extent that the violation of <span class=\"match\">law</span> found or alleged arises out of conduct in connection with the offering or provision of a consumer financial product or service.\n 99 \n \n State <span class=\"match\">UDAP</span>/UDAAP <span class=\"match\">laws</span> are generally modeled after—or otherwise prohibit conduct similar to that prohibited by—FTC Act section 5 or CFPA sections 1031 and 1036(a)(1)(B).\n 100 \n \n Therefore, violations of State <span class=\"match\">UDAP</span>/UDAAP <span class=\"match\">law</span> in connection with"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders","type":"Proposed Rule","abstract":"Pursuant to its authorities under the Consumer Financial Protection Act of 2010 (CFPA), the Consumer Financial Protection Bureau (Bureau or CFPB) is proposing to require certain nonbank covered person entities (with exclusions for insured depository institutions, insured credit unions, related persons, States, certain other entities, and natural persons) that are under certain final public orders obtained or issued by a Federal, State, or local agency in connection with the offering or provision of a consumer financial product or service to report the existence of such orders to a Bureau registry. The Bureau is proposing to include all final public written orders and judgments (including consent and stipulated orders and judgments) obtained or issued by the Bureau or any government agency (Federal, State, or local) for violation of certain consumer protection laws. Pursuant to its authority under the CFPA, the Bureau is also proposing to require certain supervised nonbanks to submit annual written statements regarding compliance with each underlying order, signed by an attesting executive who has knowledge of the entity's relevant systems and procedures for achieving compliance and control over the entity's compliance efforts.","document_number":"2022-27385","html_url":"https://www.federalregister.gov/documents/2023/01/30/2022-27385/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-01-30/pdf/2022-27385.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-27385.pdf?1674827118","publication_date":"2023-01-30","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":"entity's <span class=\"match\">compliance</span> with Federal consumer financial <span class=\"match\">law</span>, who has knowledge of the entity's systems and procedures for achieving <span class=\"match\">compliance</span> with the covered order, and who has control over the entity's efforts to comply with the covered order. \n Below, in the section-by-section discussion of proposed § 1092.203, the Bureau proposes requirements regarding attesting executives. \n 201(c) Covered <span class=\"match\">Law</span> \n Proposed § 1092.201(c) would define the term “covered <span class=\"match\">law</span>” to mean one of several types of <span class=\"match\">laws</span>, as described. The proposed term “covered <span class=\"match\">law</span>” would be"},{"title":"Financial Responsibility, Administrative Capability, Certification Procedures, Ability To Benefit (ATB)","type":"Rule","abstract":"The Secretary amends the regulations implementing title IV of the Higher Education Act of 1965, as amended (HEA), related to financial responsibility, administrative capability, certification procedures, and ATB. We amend the financial responsibility regulations to increase the Department of Education's (Department) ability to identify high-risk events at institutions of higher education and require financial protection as needed. We amend and add administrative capability provisions to enhance the capacity for institutions to demonstrate their ability to continue to participate in the financial assistance programs authorized under title IV of the HEA (title IV, HEA programs). Additionally, we amend the certification procedures to create a more rigorous process for certifying institutional eligibility to participate in the title IV, HEA programs. Finally, we amend the ATB regulations related to student eligibility for non-high school graduates.","document_number":"2023-22785","html_url":"https://www.federalregister.gov/documents/2023/10/31/2023-22785/financial-responsibility-administrative-capability-certification-procedures-ability-to-benefit-atb","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-31/pdf/2023-22785.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-22785.pdf?1698669915","publication_date":"2023-10-31","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"institutions are still subject to even if they are part of a reciprocity agreement. As noted by commenters, most State <span class=\"match\">laws</span> related to misrepresentations fall under <span class=\"match\">UDAP</span> <span class=\"match\">laws</span>. Those are generally applicable <span class=\"match\">laws</span> and thus apply to institutions of higher education in all circumstances because they are not specific to postsecondary education. Given that many of the borrower defense to repayment regulations are informed by State <span class=\"match\">UDAP</span> <span class=\"match\">laws</span>, we think that continuing to rely on them here rather than a separate call out for misrepresentation is sufficient."},{"title":"Medicare Program; Hospital Inpatient Prospective Payment Systems for Acute Care Hospitals (IPPS) and the Long-Term Care Hospital Prospective Payment System and Policy Changes and Fiscal Year (FY) 2026 Rates; Changes to the FY 2025 IPPS Rates Due to Court Decision; Requirements for Quality Programs; and Other Policy Changes; Health Data, Technology, and Interoperability: Electronic Prescribing, Real-Time Prescription Benefit and Electronic Prior Authorization","type":"Rule","abstract":"This final rule revises the Medicare hospital inpatient prospective payment systems (IPPS) for operating and capital-related costs of acute care hospitals; makes changes relating to Medicare graduate medical education (GME) for teaching hospitals; updates the payment policies and the annual payment rates for the Medicare prospective payment system (PPS) for inpatient hospital services provided by long-term care hospitals (LTCHs); updates and makes changes to requirements for certain quality programs; and makes other policy- related changes. We are also finalizing the provisions of the interim final action with comment period regarding the changes to the FY 2025 IPPS rates due to the court decision in Bridgeport Hosp. v. Becerra. Lastly, it finalizes certain updates to the ONC Health Information Technology (IT) Certification Program.","document_number":"2025-14681","html_url":"https://www.federalregister.gov/documents/2025/08/04/2025-14681/medicare-program-hospital-inpatient-prospective-payment-systems-for-acute-care-hospitals-ipps-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-04/pdf/2025-14681.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-14681.pdf?1753992911","publication_date":"2025-08-04","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"raw_name":"Office of the Secretary"}],"excerpts":"reconsideration if they believe that the finding of non-<span class=\"match\">compliance</span> is erroneous, or if they were non-compliant, they have a valid and justifiable excuse for this non-<span class=\"match\">compliance</span> (78 FR 50886). We further stated that, after we review the request for reconsideration, we may reverse our initial finding of non-<span class=\"match\">compliance</span> if: (1) the LTCH provides proof of <span class=\"match\">compliance</span> with all requirements during the reporting period; or (2) the LTCH provides adequate proof of a valid or justifiable excuse for non-<span class=\"match\">compliance</span> if the LTCH was not able to comply with requirements"},{"title":"Trade Regulation Rule on Commercial Surveillance and Data Security","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\") is publishing this advance notice of proposed rulemaking (\"ANPR\") to request public comment on the prevalence of commercial surveillance and data security practices that harm consumers. Specifically, the Commission invites comment on whether it should implement new trade regulation rules or other regulatory alternatives concerning the ways in which companies collect, aggregate, protect, use, analyze, and retain consumer data, as well as transfer, share, sell, or otherwise monetize that data in ways that are unfair or deceptive.","document_number":"2022-17752","html_url":"https://www.federalregister.gov/documents/2022/08/22/2022-17752/trade-regulation-rule-on-commercial-surveillance-and-data-security","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-08-22/pdf/2022-17752.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-17752.pdf?1660913118","publication_date":"2022-08-22","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"being wrongly denied employment, <span class=\"match\">housing</span>, or credit due to a protected characteristic.\n \n \n \n \n 44 \n  \n See, e.g., \n The <span class=\"match\">Fair</span> <span class=\"match\">Housing</span> Act, 42 U.S.C. 3601 \n et seq., \n which prohibits discrimination in <span class=\"match\">housing</span> because of race, religion, sex, national origin, familial status or disability. The Age Discrimination in Employment Act, 29 U.S.C. 621 \n et seq., \n prohibits employment discrimination against individuals aged 40 years or older.\n \n \n \n \n 45 \n  For example, Title VII of the Civil Rights Act of 1964, Public <span class=\"match\">Law</span> 88-352, prohibits employment discrimination"},{"title":"Institutional Eligibility Under the Higher Education Act of 1965, as Amended; Student Assistance General Provisions; Federal Perkins Loan Program; Federal Family Education Loan Program; and William D. Ford Federal Direct Loan Program","type":"Rule","abstract":"The Secretary establishes new regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program to establish a new Federal standard and a process for determining whether a borrower has a defense to repayment on a loan based on an act or omission of their school. We also are amending the Direct Loan Program regulations to prohibit participating schools from using certain contractual provisions regarding dispute resolution processes and to require certain notifications and disclosures by institutions (institutions or schools) regarding their use of mandatory arbitration. Additionally, we are amending the Direct Loan regulations to eliminate interest capitalization in instances where it is not required by statute. We are also amending the regulations governing closed school discharges and total and permanent disability (TPD) discharges in the Federal Perkins Loan (Perkins), Direct Loan, and Federal Family Education Loan (FFEL) programs. We are also amending the regulations governing false certification discharges in the Direct Loan and FFEL programs. Finally, we are amending the regulations governing Public Service Loan Forgiveness (PSLF) in the Direct Loan program to improve the application process, and to clarify and expand definitions for full- time employment, qualifying employers, and qualifying monthly payments. The changes would bring greater transparency and clarity and improve the administration of Federal student financial aid programs to assist and protect students, participating institutions, and taxpayers.","document_number":"2022-23447","html_url":"https://www.federalregister.gov/documents/2022/11/01/2022-23447/institutional-eligibility-under-the-higher-education-act-of-1965-as-amended-student-assistance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-11-01/pdf/2022-23447.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-23447.pdf?1667220318","publication_date":"2022-11-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"(privileges in agency proceeding; includes those that “principles of common <span class=\"match\">law</span> provide”); 20 CFR 404.1007(a) (existence of employer-employee relationship; based on “common-<span class=\"match\">law</span> rules”); 26 CFR 1.385-1 (tax treatment of interests in a corporation as stock or indebtedness; “determined based on common <span class=\"match\">law</span>”); 38 CFR 13.20 (veterans benefits; spousal relationships include “common <span class=\"match\">law</span> marriage”); 45 CFR 160.402(c) (organizational liability for civil penalties; “Federal common <span class=\"match\">law</span> of agency”).\n \n \n \n Changes: \n None.\n \n \n Comments: \n A few commenters requested"},{"title":"Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal Direct Loan Program.","type":"Proposed Rule","abstract":"This notice of proposed rulemaking (NPRM) covers student loans and affordability issues. This rulemaking specifically discusses issues involving loans under the William D. Ford Direct Loan (Direct Loan) Program, the Federal Perkins Loan (Perkins) Program, and the Federal Family Education Loan (FFEL) Program. The Secretary proposes to amend the regulations governing seven topics related to student loans administered by the U.S. Department of Education. First, we propose to amend the regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program to establish a new Federal standard and process for determining whether a borrower has a defense to repayment on a loan. We also propose to prohibit the use of certain contractual provisions regarding dispute resolution processes by participating institutions, and to require certain notifications and disclosures by institutions regarding their use of arbitration. Additionally, we propose to amend the Perkins, Direct Loan, and FFEL Program regulations to improve the process for granting total and permanent disability (TPD) discharges by eliminating the income monitoring period and expanding allowable documentation allowing additional health care professionals to provide a certification that a borrower is totally and permanently disabled. We further propose to amend the closed school discharge provisions in the Perkins Loan, Direct Loan, and FFEL programs to expand borrower eligibility for automatic discharges and eliminate provisions pertaining to reenrollment in a comparable program. We further propose to amend the Direct Loan and FFEL regulations to streamline the regulations governing false certification discharges. We propose to amend the Direct Loan regulations to eliminate interest capitalization in instances where it is not required by statute. Finally, we propose to amend regulations governing Public Service Loan Forgiveness (PSLF) in the Direct Loan program to improve the application process, and to clarify and expand definitions for full-time employment, qualifying employers, and qualifying monthly payments. The proposed changes would bring greater transparency and clarity and improve the administration of Federal student financial aid programs to assist and protect students, participating institutions, and taxpayers.","document_number":"2022-14631","html_url":"https://www.federalregister.gov/documents/2022/07/13/2022-14631/student-assistance-general-provisions-federal-perkins-loan-program-federal-family-education-loan","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-07-13/pdf/2022-14631.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-14631.pdf?1657629916","publication_date":"2022-07-13","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"considered in the regulations. See 81 FR at 76072. The Department also sought feedback last year from negotiators on the parameters of omission of fact, including a review of States' unfair, deceptive, and abusive acts or practices (<span class=\"match\">UDAP</span>) <span class=\"match\">laws</span>. The Department also consulted with the FTC and thoroughly analyzed Federal <span class=\"match\">laws</span> on <span class=\"match\">UDAP</span> that could help inform the Department's formation of a definition of an omission of fact. The Department consulted with FTC because of that agency's long-standing enforcement work regarding unfair and deceptive acts and practices"},{"title":"Request for Information and Comment on Financial Institutions' Use of Artificial Intelligence, Including Machine Learning","type":"Notice","abstract":"The agencies are gathering information and comments on financial institutions' use of artificial intelligence (AI), including machine learning (ML). The purpose of this request for information (RFI) is to understand respondents' views on the use of AI by financial institutions in their provision of services to customers and for other business or operational purposes; appropriate governance, risk management, and controls over AI; and any challenges in developing, adopting, and managing AI. The RFI also solicits respondents' views on the use of AI in financial services to assist in determining whether any clarifications from the agencies would be helpful for financial institutions' use of AI in a safe and sound manner and in compliance with applicable laws and regulations, including those related to consumer protection.","document_number":"2021-06607","html_url":"https://www.federalregister.gov/documents/2021/03/31/2021-06607/request-for-information-and-comment-on-financial-institutions-use-of-artificial-intelligence","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-03-31/pdf/2021-06607.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-06607.pdf?1617108337","publication_date":"2021-03-31","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":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"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"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"evaluations of AI-based credit determination approaches for <span class=\"match\">compliance</span> with <span class=\"match\">fair</span> lending <span class=\"match\">laws</span>?\n \n \n Question 14: \n As part of their <span class=\"match\">compliance</span> management systems, financial institutions may conduct <span class=\"match\">fair</span> lending risk assessments by using models designed to evaluate <span class=\"match\">fair</span> lending risks (“<span class=\"match\">fair</span> lending risk assessment models”). What challenges, if any, do financial institutions face when applying internal model risk management principles and practices to the development, validation, or use of <span class=\"match\">fair</span> lending risk assessment models based on AI?\n \n \n Question"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is issuing this final rule establishing regulations creating consumer protections for certain consumer credit products and the official interpretations to the rule. First, the rule identifies it as an unfair and abusive practice for a lender to make covered short-term or longer- term balloon-payment loans, including payday and vehicle title loans, without reasonably determining that consumers have the ability to repay the loans according to their terms. The rule exempts certain loans from the underwriting criteria prescribed in the rule if they have specific consumer protections. Second, for the same set of loans along with certain other high-cost longer-term loans, the rule identifies it as an unfair and abusive practice to make attempts to withdraw payment from consumers' accounts after two consecutive payment attempts have failed, unless the consumer provides a new and specific authorization to do so. Finally, the rule prescribes notices to consumers before attempting to withdraw payments from their account, as well as processes and criteria for registration of information systems, for requirements to furnish and obtain information from them, and for compliance programs and record retention. The rule prohibits evasions and operates as a floor leaving State and local jurisdictions to adopt further regulatory measures (whether a usury limit or other protections) as appropriate to protect consumers.","document_number":"2017-21808","html_url":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-21808.pdf?1510839938","publication_date":"2017-11-17","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":"that “nonbanks are more likely to lack a robust [<span class=\"match\">Compliance</span> Management System] as their consumer <span class=\"match\">compliance</span>-related activities have not been subject to examinations at the federal level for <span class=\"match\">compliance</span> with the Federal consumer financial <span class=\"match\">laws</span> prior to the Bureau's existence.” \n 332 \n \n The Bureau noted that it had identified “one or more instances of nonbanks that lack formal policies and procedures, have not developed a consumer <span class=\"match\">compliance</span> program, or do not conduct independent consumer <span class=\"match\">compliance</span> audits. Lack of an effective CMS has, in a number"},{"title":"Arbitration Agreements","type":"Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to regulate arbitration agreements in contracts for specified consumer financial product and services. First, the final rule prohibits covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action concerning the covered consumer financial product or service. Second, the final rule requires covered providers that are involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau and also to submit specified court records. The Bureau is also adopting official interpretations to the regulation.","document_number":"2017-14225","html_url":"https://www.federalregister.gov/documents/2017/07/19/2017-14225/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-07-19/pdf/2017-14225.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-14225.pdf?1500381927","publication_date":"2017-07-19","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":"Federal and State <span class=\"match\">Laws</span> Governing Consumer Financial Products and Services \n Companies typically provide consumer financial products and services under the terms of a written contract. In addition to being governed by such contracts and the relevant State's contract <span class=\"match\">law</span>, the relationship between a consumer and a financial service provider is typically governed by consumer protection <span class=\"match\">laws</span> at the State level, Federal level, or both, as well as by other State <span class=\"match\">laws</span> of general applicability (such as tort <span class=\"match\">law</span>). Collectively, these <span class=\"match\">laws</span> create legal rights"},{"title":"Uniform Interagency Consumer Compliance Rating System","type":"Notice","abstract":"The Federal Financial Institutions Examination Council (FFIEC), on behalf of its members, is revising the Uniform Interagency Consumer Compliance Rating System, more commonly known as the CC Rating System. The agencies comprising the FFIEC are the Board of Governors of the Federal Reserve System (FRB), the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the State Liaison Committee (SLC) (Agencies). The FFIEC promotes compliance with federal consumer protection laws and regulations through each agency's supervisory and outreach programs. The CC Rating System revisions reflect the regulatory, examination (supervisory), technological, and market changes that have occurred in the years since the original rating system was established in 1980. The revisions are designed to better reflect current consumer compliance supervisory approaches and to more fully align the CC Rating System with the Agencies' current risk-based, tailored examination processes. The CC Rating System is being published after consideration of comments received from the public.","document_number":"2016-27226","html_url":"https://www.federalregister.gov/documents/2016/11/14/2016-27226/uniform-interagency-consumer-compliance-rating-system","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-11-14/pdf/2016-27226.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-27226.pdf?1478785532","publication_date":"2016-11-14","agencies":[{"raw_name":"FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL","name":"Federal Financial Institutions Examination Council","id":168,"url":"https://www.federalregister.gov/agencies/federal-financial-institutions-examination-council","json_url":"https://www.federalregister.gov/api/v1/agencies/168","parent_id":null,"slug":"federal-financial-institutions-examination-council"}],"excerpts":"held accountable for <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources are adequate and staff is generally able to ensure the financial institution is in <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources and staff are inadequate to ensure the financial institution is in <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources and staff are seriously deficient and are ineffective at ensuring the financial institution's <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources are critically"},{"title":"Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, William D. Ford Federal Direct Loan Program, and Teacher Education Assistance for College and Higher Education Grant Program","type":"Rule","abstract":"The Secretary establishes new regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program to establish a new Federal standard and a process for determining whether a borrower has a defense to repayment on a loan based on an act or omission of a school. We also amend the Direct Loan Program regulations to prohibit participating schools from using certain contractual provisions regarding dispute resolution processes, such as predispute arbitration agreements or class action waivers, and to require certain notifications and disclosures by schools regarding their use of arbitration. We amend the Direct Loan Program regulations to codify our current policy regarding the impact that discharges have on the 150 percent Direct Subsidized Loan Limit. We amend the Student Assistance General Provisions regulations to revise the financial responsibility standards and add disclosure requirements for schools. Finally, we amend the discharge provisions in the Federal Perkins Loan (Perkins Loan), Direct Loan, Federal Family Education Loan (FFEL), and Teacher Education Assistance for College and Higher Education (TEACH) Grant programs. The changes will provide transparency, clarity, and ease of administration to current and new regulations and protect students, the Federal government, and taxpayers against potential school liabilities resulting from borrower defenses.","document_number":"2016-25448","html_url":"https://www.federalregister.gov/documents/2016/11/01/2016-25448/student-assistance-general-provisions-federal-perkins-loan-program-federal-family-education-loan","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-11-01/pdf/2016-25448.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-25448.pdf?1477917929","publication_date":"2016-11-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"Acts or Practices (<span class=\"match\">UDAP</span>) \n \n Comments: \n Several groups of commenters advocated the inclusion of State <span class=\"match\">UDAP</span> <span class=\"match\">laws</span> as a stand-alone basis for borrower defense claims.\n \n One group of commenters opined that <span class=\"match\">UDAP</span> <span class=\"match\">laws</span>, which include prohibitions against misrepresentation, along with unfair, fraudulent, and unlawful business acts, have been refined by decades of judicial decisions, while the proposed substantial misrepresentation basis for borrower defense claims remains untested. \n Another group of commenters argued that State <span class=\"match\">UDAP</span> <span class=\"match\">laws</span> incorporate the"},{"title":"Uniform Interagency Consumer Compliance Rating System","type":"Notice","abstract":"Pursuant to 12 U.S.C. 3301, the Federal Financial Institutions Examination Council (FFIEC), established in 1979, is a formal interagency body empowered to prescribe principles and standards for the federal examination of financial institutions and to make recommendations to promote consistency and coordination in the supervision of institutions. The six members of the FFIEC represent the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller of the Currency (OCC), the State Liaison Committee (SLC), and the Consumer Financial Protection Bureau (CFPB) (Agencies). The FFIEC promotes compliance with federal consumer protection laws and regulations through each agency's supervisory and outreach programs. Through compliance supervision, the FFIEC Agencies determine whether an institution is meeting its responsibility to comply with applicable requirements. The FFIEC requests comment on a proposal to revise the Uniform Interagency Consumer Compliance Rating System, more commonly known as the \"CC Rating System,\" to reflect the regulatory, examination (supervisory), technological, and market changes that have occurred in the years since the current rating system was established. The FFIEC is proposing to revise the existing CC Rating System to better reflect current consumer compliance supervisory approaches. The revisions are designed to more fully align the rating system with the FFIEC Agencies' current risk-based, tailored examination approaches. The proposed revisions to the CC Rating System were not developed to set new or higher supervisory expectations for financial institutions and their adoption will represent no additional regulatory burden. The proposed revisions emphasize the importance of institutions' compliance management systems (CMS), in particular, risk control processes designed to manage consumer compliance risk which are needed to support compliance and prevent consumer harm. The CC Rating System has provided a general framework for evaluating compliance factors in order to assign a consumer compliance rating to each federally regulated financial institution.\\1\\ ---------------------------------------------------------------------------","document_number":"2016-10289","html_url":"https://www.federalregister.gov/documents/2016/05/03/2016-10289/uniform-interagency-consumer-compliance-rating-system","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-03/pdf/2016-10289.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-10289.pdf?1462193169","publication_date":"2016-05-03","agencies":[{"raw_name":"FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL","name":"Federal Financial Institutions Examination Council","id":168,"url":"https://www.federalregister.gov/agencies/federal-financial-institutions-examination-council","json_url":"https://www.federalregister.gov/api/v1/agencies/168","parent_id":null,"slug":"federal-financial-institutions-examination-council"}],"excerpts":"Substantial <span class=\"match\">compliance</span> resources are provided, including systems, capital, and human resources commensurate with the institution's size, complexity, and risk profile. Staff is knowledgeable, empowered and held accountable for <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources are adequate and staff is generally able to ensure the financial institution is in <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations \n <span class=\"match\">Compliance</span> resources and staff are inadequate to ensure the financial institution is in <span class=\"match\">compliance</span> with consumer <span class=\"match\">laws</span> and regulations"},{"title":"Arbitration Agreements","type":"Proposed Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), the Bureau of Consumer Financial Protection (Bureau) is proposing to establish 12 CFR part 1040, which would contain regulations governing two aspects of consumer finance dispute resolution. First, the proposed rule would prohibit covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action with respect to the covered consumer financial product or service. Second, the proposal would require a covered provider that is involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau. The Bureau proposes that the rulemaking would apply to certain consumer financial products and services. The Bureau is also proposing to adopt official interpretations to the proposed regulation.","document_number":"2016-10961","html_url":"https://www.federalregister.gov/documents/2016/05/24/2016-10961/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-24/pdf/2016-10961.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-10961.pdf?1464007523","publication_date":"2016-05-24","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":"Under Federal and State <span class=\"match\">Laws</span> Governing Consumer Financial Products and Services \n Companies often provide consumer financial products and services under the terms of a written contract. In addition to being governed by such contracts and the relevant State's contract <span class=\"match\">law</span>, the relationship between a consumer and a financial service provider is typically governed by consumer protection <span class=\"match\">laws</span> at the State level, Federal level, or both, as well as by other State <span class=\"match\">laws</span> of general applicability (such as tort <span class=\"match\">law</span>). Collectively, these <span class=\"match\">laws</span> create legal rights"},{"title":"Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) amends the regulation defining larger participants of certain consumer financial product and service markets by adding a new section to define larger participants of a market for automobile financing. The new section defines a market that includes: grants of credit for the purchase of an automobile; refinancings of such obligations (and subsequent refinancings thereof) that are secured by an automobile; automobile leases; and purchases or acquisitions of any of the foregoing obligations. The Bureau issues this rule pursuant to its authority, under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), to supervise certain nonbank covered persons for compliance with Federal consumer financial law and for other purposes. The Bureau has the authority to supervise nonbank covered persons of all sizes in the residential mortgage, private education lending, and payday lending markets. In addition, the Bureau has the authority to supervise nonbank \"larger participant[s]\" of markets for other consumer financial products or services, as the Bureau defines by rule. This final rule identifies a market for automobile financing and defines as larger participants of this market certain nonbank covered persons that will be subject to the Bureau's supervisory authority. It also defines certain automobile leases as a \"financial product or service\" under section 1002(15)(A)(xi)(II) of the Dodd-Frank Act. Finally, this final rule makes certain technical corrections to existing larger-participant rules.","document_number":"2015-14630","html_url":"https://www.federalregister.gov/documents/2015/06/30/2015-14630/defining-larger-participants-of-the-automobile-financing-market-and-defining-certain-automobile","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-14630.pdf?1435581918","publication_date":"2015-06-30","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":"quarter of 2014.\n 137 \n \n Increasing the rate of <span class=\"match\">compliance</span> with Federal consumer financial <span class=\"match\">law</span> will benefit consumers and the consumer financial market by providing more of the protections mandated by <span class=\"match\">law</span>.\n \n \n \n 136 \n  \n See supra \n note 79\n . \n \n \n \n \n 137 \n  \n See \n Zabritski, \n supra \n note 33, at 16.\n \n \n \n Several Federal consumer financial <span class=\"match\">laws</span> offer protections to consumers who seek automobile financing as defined in the Final Rule, including, to the extent applicable, TILA and Regulation Z, the <span class=\"match\">Fair</span> Credit Reporting Act and Regulation V, the"},{"title":"Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products","type":"Notice","abstract":"The OCC is issuing final supervisory guidance entitled \"Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products\" (Guidance), which addresses safe and sound banking practices and consumer protection in connection with deposit advance products.","document_number":"2013-28361","html_url":"https://www.federalregister.gov/documents/2013/11/26/2013-28361/guidance-on-supervisory-concerns-and-expectations-regarding-deposit-advance-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-11-26/pdf/2013-28361.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-28361.pdf?1385387574","publication_date":"2013-11-26","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":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"\n \n \n <span class=\"match\">Compliance</span> Risk: \n The significant risks associated with deposit advance lending products may subject banks to the risk of litigation—both from private lawsuits and regulatory enforcement actions.\n \n <span class=\"match\">Compliance</span> and Consumer Protection Related Concerns \n \n Deposit advance products must comply with all applicable federal <span class=\"match\">laws</span> and regulations, some of which are outlined below. In some circumstances, certain state <span class=\"match\">laws</span> may be applicable.\n 8 \n \n It is important that a bank's deposit advance products be reviewed by counsel for <span class=\"match\">compliance</span> with all"},{"title":"Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products","type":"Notice","abstract":"The FDIC is issuing final supervisory guidance entitled \"Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products\" (Guidance), which addresses safe and sound banking practices and consumer protection in connection with deposit advance products.","document_number":"2013-28306","html_url":"https://www.federalregister.gov/documents/2013/11/26/2013-28306/guidance-on-supervisory-concerns-and-expectations-regarding-deposit-advance-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-11-26/pdf/2013-28306.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-28306.pdf?1385387640","publication_date":"2013-11-26","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"actions.\n \n <span class=\"match\">Compliance</span> and Consumer Protection Related Concerns \n \n Deposit advance products must comply with all applicable federal <span class=\"match\">laws</span> and regulations, some of which are outlined below. In some circumstances, certain state <span class=\"match\">laws</span> may be applicable.\n 8 \n \n It is important that a bank's deposit advance products be reviewed by counsel for <span class=\"match\">compliance</span> with all applicable <span class=\"match\">laws</span> prior to implementation. Furthermore, although the guidance below outlines federal <span class=\"match\">laws</span> and regulations as of the date this Guidance is published, applicable <span class=\"match\">laws</span> and regulations"}]}