{"description":"Documents matching 'compliance fcra description what happened filing requirements'","count":51,"total_pages":3,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+fcra+description+what+happened+filing+requirements&format=json&page=2","results":[{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"on accuracy <span class=\"match\">requirements</span>,\n 152 \n \n and the CFPB is continuing to consider a possible rulemaking to improve the dispute process for consumers under the <span class=\"match\">FCRA</span>.\n 153 \n \n The CFPB also has engaged in supervision \n 154 \n \n and enforcement \n 155 \n \n activity with respect to consumer reporting agencies and furnishers to ensure their <span class=\"match\">compliance</span> with the <span class=\"match\">FCRA's</span> accuracy and dispute <span class=\"match\">requirements</span>, and has <span class=\"match\">filed</span> multiple amicus briefs relating to the <span class=\"match\">FCRA's</span> accuracy and dispute requirements.\n 156 \n \n \n \n \n 152 \n  \n See, e.g., https://www.consumerfinance.gov"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"CFPA made conforming amendments to the <span class=\"match\">FCRA</span> transferring rulemaking authority under much of the <span class=\"match\">FCRA</span>, except those regulations applicable to certain motor vehicle dealers, to the CFPB. Section 621(e) of the <span class=\"match\">FCRA</span> authorizes the CFPB to issue regulations as “necessary or appropriate to administer and carry out the purposes and objectives of [the <span class=\"match\">FCRA</span>], and to prevent evasions thereof or to facilitate <span class=\"match\">compliance</span> therewith.” \n 96 \n \n \n \n \n 96 \n  \n See \n CFPA section 1088(a)(10)(E) (15 U.S.C. 1681s(e)).\n \n \n \n <span class=\"match\">FCRA</span> section 604(g)(5) specifically authorizes"},{"title":"Use of Electronic Payroll Data To Improve Program Administration","type":"Rule","abstract":"Section 824 of the Bipartisan Budget Act of 2015 (BBA) authorizes the Commissioner of Social Security to enter into information exchanges with payroll data providers to obtain wage and employment information. We use wage and employment information to administer the Old-Age, Survivors, and Disability Insurance (OASDI) disability and Supplemental Security Income (SSI) programs under titles II and XVI of the Social Security Act (Act). We are updating our rules pursuant to the BBA, which requires us to prescribe, by regulation, procedures for implementing the access to and use of the information held by payroll data providers. We expect this final rule will support proper use of information exchanges with payroll data providers that will help us administer our programs more efficiently, improve our customers' experience, and prevent improper payments under titles II and XVI of the Act, which can otherwise occur when we do not receive timely and accurate wage and employment information.","document_number":"2024-30593","html_url":"https://www.federalregister.gov/documents/2024/12/31/2024-30593/use-of-electronic-payroll-data-to-improve-program-administration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-31/pdf/2024-30593.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30593.pdf?1735566310","publication_date":"2024-12-31","agencies":[{"raw_name":"Social Security Administration","name":"Social Security Administration","id":470,"url":"https://www.federalregister.gov/agencies/social-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/470","parent_id":null,"slug":"social-security-administration"}],"excerpts":"involved.\n \n \n Another commenter expressed that our current payroll data provider already complies with <span class=\"match\">FCRA</span> <span class=\"match\">requirements</span> and its data furnishers have contractual obligations for the provision of accurate data. Further, they said, if there are concerns that a report may be incomplete or inaccurate, the individual can dispute it and Equifax will conduct an investigation under the parameters established by <span class=\"match\">FCRA</span>. \n \n Response: \n We will send <span class=\"match\">FCRA</span>-compliant adverse action notices to individuals when we receive data from a payroll data provider. The current"},{"title":"Required Rulemaking on Personal Financial Data Rights","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers' data available upon request to consumers and authorized third parties in a secure and reliable manner; defines obligations for third parties accessing consumers' data, including important privacy protections; and promotes fair, open, and inclusive industry standards.","document_number":"2024-25079","html_url":"https://www.federalregister.gov/documents/2024/11/18/2024-25079/required-rulemaking-on-personal-financial-data-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-18/pdf/2024-25079.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25079.pdf?1731678320","publication_date":"2024-11-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"affect a person's obligations or duties under the <span class=\"match\">FCRA</span>. The final rule does not alter the types of data, parties, or permissible purposes covered by the <span class=\"match\">FCRA</span>. Because the final rule does not change substantive <span class=\"match\">requirements</span> under the <span class=\"match\">FCRA</span> or Regulation V, the commenters that raised questions about the intersection of the <span class=\"match\">FCRA</span> with CFPA section 1033 and how to comply with <span class=\"match\">FCRA</span> obligations and duties must look to the <span class=\"match\">FCRA</span> and Regulation V to determine how to comply with a particular <span class=\"match\">FCRA</span> <span class=\"match\">requirement</span>. For example, whether a third party, such as a data"},{"title":"Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Customer Information","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\" or \"SEC\") is adopting rule amendments that will require brokers and dealers (or \"broker-dealers\"), investment companies, investment advisers registered with the Commission (\"registered investment advisers\"), funding portals, and transfer agents registered with the Commission or another appropriate regulatory agency (\"ARA\") as defined in the Securities Exchange Act of 1934 (\"transfer agents\") to adopt written policies and procedures for incident response programs to address unauthorized access to or use of customer information, including procedures for providing timely notification to individuals affected by an incident involving sensitive customer information with details about the incident and information designed to help affected individuals respond appropriately. In addition, the amendments extend the application of requirements to safeguard customer records and information to transfer agents; broaden the scope of information covered by the requirements for safeguarding customer records and information and for properly disposing of consumer report information; impose requirements to maintain written records documenting compliance with the amended rules; and conform annual privacy notice delivery provisions to the terms of an exception provided by a statutory amendment to the Gramm-Leach-Bliley Act (\"GLBA\").","document_number":"2024-11116","html_url":"https://www.federalregister.gov/documents/2024/06/03/2024-11116/regulation-s-p-privacy-of-consumer-financial-information-and-safeguarding-customer-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-03/pdf/2024-11116.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-11116.pdf?1717159514","publication_date":"2024-06-03","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":"significant burden for a dual registrant to bring both broker-dealer and investment adviser entities into <span class=\"match\">compliance</span>, urging the Commission to provide an extended <span class=\"match\">compliance</span> period for all of the proposed rules to provide time for dual registrants to come into <span class=\"match\">compliance</span> and “identify some synergies that might make <span class=\"match\">compliance</span> more effective and economical.” Cambridge Comment Letter. As one of these commenters stated, Regulation S-P's <span class=\"match\">requirements</span> apply uniformly to broker-dealers and advisers, although each covered institution—including a dual registrant—will"},{"title":"Student Debt Relief Based on Hardship for the William D. Ford Federal Direct Loan Program (Direct Loans), the Federal Family Education Loan (FFEL) Program, the Federal Perkins Loan (Perkins) Program, and the Health Education Assistance Loan (HEAL) Program","type":"Proposed Rule","abstract":"The Secretary proposes to amend the regulations related to the Higher Education Act of 1965, as amended (HEA), to provide for the waiver of certain student loan debts. The proposed regulations would specify the Secretary's authority to waive all or part of any student loan debts owed to the Department based on the Secretary's determination that a borrower has experienced or is experiencing hardship related to such a loan.","document_number":"2024-25067","html_url":"https://www.federalregister.gov/documents/2024/10/31/2024-25067/student-debt-relief-based-on-hardship-for-the-william-d-ford-federal-direct-loan-program-direct","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-31/pdf/2024-25067.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25067.pdf?1730292330","publication_date":"2024-10-31","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":"determination of whether the hardship standard in proposed § 30.91(a) is met.\n \n \n \n 26 \n  Ibid.\n \n \n \n \n 27 \n  Scott-Clayton, Judith. “<span class=\"match\">What</span> accounts for gaps in student loan default, and <span class=\"match\">what</span> <span class=\"match\">happens</span> after.” (2018). Brookings. Mueller, Holger M. and Constantine Yannelis. “The rise in student loan defaults.” Journal of Financial Economics 131, no. 1 (2019): 1-19. Mezza, Alvaro A. and Kamila Sommer. ” “A Trillion-Dollar Question: <span class=\"match\">What</span> Predicts Student Loan Delinquencies?.” Journal of Student Financial Aid 46, no. 3 (2016): 16-54.\n \n \n Similarly, the proposed"},{"title":"Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Customer Information","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\" or \"SEC\") is proposing rule amendments that would require brokers and dealers (or \"broker-dealers\"), investment companies, and investment advisers registered with the Commission (\"registered investment advisers\") to adopt written policies and procedures for incident response programs to address unauthorized access to or use of customer information, including procedures for providing timely notification to individuals affected by an incident involving sensitive customer information with details about the incident and information designed to help affected individuals respond appropriately. The Commission also is proposing to broaden the scope of information covered by amending requirements for safeguarding customer records and information, and for properly disposing of consumer report information. In addition, the proposed amendments would extend the application of the safeguards provisions to transfer agents. The proposed amendments would also include requirements to maintain written records documenting compliance with the proposed amended rules. Finally, the proposed amendments would conform annual privacy notice delivery provisions to the terms of an exception provided by a statutory amendment to the Gramm-Leach-Bliley Act (\"GLBA\").","document_number":"2023-05774","html_url":"https://www.federalregister.gov/documents/2023/04/06/2023-05774/regulation-s-p-privacy-of-consumer-financial-information-and-safeguarding-customer-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-04-06/pdf/2023-05774.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-05774.pdf?1680717491","publication_date":"2023-04-06","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":"institutions with examples of <span class=\"match\">what</span> would constitute becoming aware? \n 54. Should the proposed rules incorporate any exceptions from the timing <span class=\"match\">requirement</span> that would allow for delays under limited circumstances? If so, <span class=\"match\">what</span> restrictions or conditions should apply to any such delay and why? \n 55. Are there other challenges to meeting the proposed timing <span class=\"match\">requirements</span>, including the <span class=\"match\">requirement</span> to provide notices within 30 days of becoming aware of the incident? If yes, please describe. \n 56. <span class=\"match\">What</span> operational or <span class=\"match\">compliance</span> challenges arise from the proposed"},{"title":"Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking. This final rule establishes a method for a victim of trafficking to submit documentation to consumer reporting agencies, including information identifying any adverse item of information about the consumer that resulted from certain types of human trafficking, and prohibits the consumer reporting agencies from furnishing a consumer report containing the adverse item(s) of information. The Bureau is taking this action as mandated by the National Defense Authorization Act for Fiscal Year 2022 to assist consumers who are victims of trafficking in building or rebuilding financial stability and personal independence.","document_number":"2022-13671","html_url":"https://www.federalregister.gov/documents/2022/06/24/2022-13671/prohibition-on-inclusion-of-adverse-information-in-consumer-reporting-in-cases-of-human-trafficking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-06-24/pdf/2022-13671.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-13671.pdf?1655988327","publication_date":"2022-06-24","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":"Dodd-Frank Act, including most rulemaking authority under the <span class=\"match\">FCRA</span>.\n 19 \n \n Likewise, section 1088 of the Dodd-Frank Act made conforming amendments to the <span class=\"match\">FCRA</span>, transferring rulemaking authority under much of the <span class=\"match\">FCRA</span> to the Bureau.\n 20 \n \n As amended by the Dodd-Frank Act, section 621(e) of the <span class=\"match\">FCRA</span> authorizes the Bureau to issue regulations as may be necessary or appropriate to administer and carry out the purposes and objectives of the <span class=\"match\">FCRA</span>, and to prevent evasions thereof or to facilitate <span class=\"match\">compliance</span> therewith.\n 21 \n \n The Bureau is issuing this final"},{"title":"Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) seeks comment on regulations implementing amendments to the Fair Credit Reporting Act (FCRA) that assist consumers who are victims of trafficking. The proposed rule, which would implement a recent amendment to the FCRA, would establish a method for a victim of trafficking to submit documentation to consumer reporting agencies, including information identifying any adverse item of information about the consumer that resulted from certain types of human trafficking, and prohibit the consumer reporting agencies from furnishing a consumer report containing the adverse item(s) of information. The Bureau is taking this action as mandated by the National Defense Authorization Act for Fiscal Year 2022 and to assist consumers who are victims of trafficking in building or rebuilding financial stability and personal independence.","document_number":"2022-07528","html_url":"https://www.federalregister.gov/documents/2022/04/08/2022-07528/prohibition-on-inclusion-of-adverse-information-in-consumer-reporting-in-cases-of-human-trafficking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-04-08/pdf/2022-07528.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-07528.pdf?1649348052","publication_date":"2022-04-08","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":"Dodd-Frank Act, including most rulemaking authority under the <span class=\"match\">FCRA</span>.\n 13 \n \n Likewise, section 1088 of the Dodd-Frank Act made conforming amendments to the <span class=\"match\">FCRA</span>, transferring rulemaking authority under much of the <span class=\"match\">FCRA</span> to the Bureau.\n 14 \n \n As amended by the Dodd-Frank Act, section 621(e) of the <span class=\"match\">FCRA</span> authorizes the Bureau to issue regulations as may be necessary or appropriate to administer and carry out the purposes and objectives of the <span class=\"match\">FCRA</span>, and to prevent evasions thereof or to facilitate <span class=\"match\">compliance</span> therewith.\n 15 \n \n The Bureau is issuing this proposed"},{"title":"Required Rulemaking on Personal Financial Data Rights","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing a rule to implement personal financial data rights under the Consumer Financial Protection Act of 2010 (CFPA). The proposed rule would require depository and nondepository entities to make available to consumers and authorized third parties certain data relating to consumers' transactions and accounts; establish obligations for third parties accessing a consumer's data, including important privacy protections for that data; provide basic standards for data access; and promote fair, open, and inclusive industry standards.","document_number":"2023-23576","html_url":"https://www.federalregister.gov/documents/2023/10/31/2023-23576/required-rulemaking-on-personal-financial-data-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-31/pdf/2023-23576.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-23576.pdf?1698669921","publication_date":"2023-10-31","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"are available to evaluate <span class=\"match\">compliance</span> with data providers' obligations under the proposed rule. Additionally, such <span class=\"match\">requirements</span> will also help data providers in assessing their own <span class=\"match\">compliance</span> with the <span class=\"match\">requirements</span> of CFPA section 1033. Further, the <span class=\"match\">requirement</span> proposed in § 1033.351(d) for data providers to establish and maintain policies and procedures to retain records of all evidence of <span class=\"match\">compliance</span> with the applicable <span class=\"match\">requirements</span> in the proposed rule would make it more difficult for data providers to evade the <span class=\"match\">requirements</span> of CFPA section 1033. Consequently"},{"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":"an effect on when a consumer can <span class=\"match\">file</span> a legal action, such as terms and conditions that impose pre-<span class=\"match\">filing</span> <span class=\"match\">requirements</span> not otherwise specified in the law before a consumer can <span class=\"match\">file</span> a legal action. Terms and conditions that impose pre-<span class=\"match\">filing</span> <span class=\"match\">requirements</span> may have the effect of shortening the overall time period during which the consumer may be eligible for <span class=\"match\">file</span> a legal action because they purport to make the consumer ineligible to <span class=\"match\">file</span> a legal action until after certain steps are completed. Pre-<span class=\"match\">filing</span> <span class=\"match\">requirements</span> in some arbitration agreements also"},{"title":"Duties of Creditors Regarding Risk-Based Pricing Rule","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing a final rule (\"Final Rule\") to amend its Duties of Creditors Regarding Risk-Based Pricing Rule (\"Risk-Based Pricing Rule\") and its related model notice to correspond to changes made to the Fair Credit Reporting Act (\"FCRA\") by the Dodd-Frank Act and to clarify the model notice.","document_number":"2021-19908","html_url":"https://www.federalregister.gov/documents/2021/09/17/2021-19908/duties-of-creditors-regarding-risk-based-pricing-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-09-17/pdf/2021-19908.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-19908.pdf?1631796322","publication_date":"2021-09-17","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":"Other <span class=\"match\">Compliance</span> <span class=\"match\">Requirements</span>, Including Classes of Covered Small Entities and Professional Skills Needed To Comply \n The amendments impose no new reporting, recordkeeping, or other <span class=\"match\">compliance</span> <span class=\"match\">requirements</span>. \n E. <span class=\"match\">Description</span> of Steps Taken To Minimize Significant Economic Impact, if Any, on Small Entities, Including Alternatives \n The Commission did not propose any specific small entity exemption or other significant alternatives because the amendment will not increase reporting <span class=\"match\">requirements</span> and will not impose any new <span class=\"match\">requirements</span> or <span class=\"match\">compliance</span> costs"},{"title":"Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation X to assist mortgage borrowers affected by the COVID-19 emergency. The final rule establishes temporary procedural safeguards to help ensure that borrowers have a meaningful opportunity to be reviewed for loss mitigation before the servicer can make the first notice or filing required for foreclosure on certain mortgages. In addition, the final rule would temporarily permit mortgage servicers to offer certain loan modifications made available to borrowers experiencing a COVID-19- related hardship based on the evaluation of an incomplete application. The Bureau is also finalizing certain temporary amendments to the early intervention and reasonable diligence obligations that Regulation X imposes on mortgage servicers.","document_number":"2021-13964","html_url":"https://www.federalregister.gov/documents/2021/06/30/2021-13964/protections-for-borrowers-affected-by-the-covid-19-emergency-under-the-real-estate-settlement","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-06-30/pdf/2021-13964.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-13964.pdf?1624970737","publication_date":"2021-06-30","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":"such notice promptly after the servicer establishes live contact. The existing <span class=\"match\">requirement</span> in § 1024.39(a) to inform a borrower about the availability of loss mitigation options that this comment references is separate from the new information <span class=\"match\">requirements</span> in § 1024.39(e). Nothing in the existing rule would prevent <span class=\"match\">compliance</span> with both the option to inform these borrowers about the availability of loss mitigation options as provided in comment 39(a)-4.ii and the <span class=\"match\">requirement</span> to provide these borrowers the specified additional information in § 1024.39(e)"},{"title":"Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) seeks comment on proposed amendments to Regulation X to assist borrowers affected by the COVID-19 emergency. The Bureau is taking this action to help ensure that borrowers affected by the COVID-19 pandemic have an opportunity to be evaluated for loss mitigation before the initiation of foreclosure. The proposed amendments would establish a temporary COVID-19 emergency pre-foreclosure review period until December 31, 2021, for principal residences. In addition, the proposed amendments would temporarily permit mortgage servicers to offer certain loan modifications made available to borrowers experiencing a COVID-19- related hardship based on the evaluation of an incomplete application. The Bureau also proposes certain amendments to the early intervention and reasonable diligence obligations that Regulation X imposes on mortgage servicers.","document_number":"2021-07236","html_url":"https://www.federalregister.gov/documents/2021/04/09/2021-07236/protections-for-borrowers-affected-by-the-covid-19-emergency-under-the-real-estate-settlement","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-04-09/pdf/2021-07236.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-07236.pdf?1617799528","publication_date":"2021-04-09","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":" \n Finally, the Bureau seeks comment on whether it should specify components of the loss mitigation option <span class=\"match\">description</span> the servicer would provide. Proposed § 1024.39(e)(1) would require servicers to list and briefly describe the applicable forbearance programs made available. The Bureau seeks comment on whether it should require that the <span class=\"match\">description</span> include discussion of <span class=\"match\">what</span> repayment options are included in forbearance programs, or <span class=\"match\">what</span> impact the forbearance program has on how the servicer reports the loan to credit reporting agencies. \n 39(e)(2)"},{"title":"Debt Collection Practices (Regulation F)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA. Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer's debt to a consumer reporting agency.","document_number":"2020-28422","html_url":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-28422.pdf?1610718320","publication_date":"2021-01-19","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":"Accordingly, the Bureau does not incorporate a receipt <span class=\"match\">requirement</span> in final § 1006.30(a)(1) and, instead of using the term “communicate,” sets forth the specific actions that a debt collector must take before furnishing. \n \n The Bureau has also determined that final § 1006.30(a)(1) does not conflict with <span class=\"match\">FCRA</span> section 623(a)(7) or (5) because those provisions have different <span class=\"match\">requirements</span> and goals than § 1006.30(a)(1). <span class=\"match\">FCRA</span> section 623(a)(7) applies only to “financial institutions” as defined in <span class=\"match\">FCRA</span> section 603(t), which will cover few, if any, FDCPA"},{"title":"Debt Collection Practices (Regulation F)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.","document_number":"2020-24463","html_url":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-24463.pdf?1606484719","publication_date":"2020-11-30","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":"nevertheless supported the recency <span class=\"match\">requirement</span> for email addresses.\n \n \n The Bureau has decided not to include a recency <span class=\"match\">requirement</span> as part of the email procedures in final § 1006.6(d)(4)(i).\n 271 \n \n The Bureau proposed the recency <span class=\"match\">requirement</span> principally to address the risk that a telephone number might be reassigned from one consumer to another, and would have applied the <span class=\"match\">requirement</span> to email addresses largely for consistency and ease of administration.\n 272 \n \n In light of comments asserting that a recency <span class=\"match\">requirement</span> imposes some burden on creditors"},{"title":"OneRD Guaranteed Loan Regulation","type":"Rule","abstract":"The Rural Business-Cooperative Service, Rural Housing Service, and the Rural Utilities Service, agencies of the Rural Development mission area within the U.S. Department of Agriculture (USDA), hereinafter collectively referred to as the Agency, are proposing a unified guaranteed loan platform for enhanced delivery of four of its existing guaranteed loan programs: Community Facilities (CF) administered by the Rural Housing Service; Water and Waste Disposal (WWD) administered by the Rural Utilities Service; and, Business and Industry (B&I) and Rural Energy for America (REAP) administered by the Rural Business-Cooperative Service. Collectively, these four Rural Development's guaranteed loan programs work to assist in building and maintaining sustainable rural communities. This rule incorporates new and revised provisions intended to simplify, improve, expand and enhance the delivery of the four guaranteed loan programs. These provisions include, among others, clearly defining specific project eligibility criteria, revising the requirements for lenders to participate in the programs, and streamlining the documentation requirements for submission of guaranteed loan applications.","document_number":"2020-13991","html_url":"https://www.federalregister.gov/documents/2020/07/14/2020-13991/onerd-guaranteed-loan-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-07-14/pdf/2020-13991.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-13991.pdf?1594644316","publication_date":"2020-07-14","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":"Rural Utilities Service","name":"Rural Utilities Service","id":460,"url":"https://www.federalregister.gov/agencies/rural-utilities-service","json_url":"https://www.federalregister.gov/api/v1/agencies/460","parent_id":12,"slug":"rural-utilities-service"},{"raw_name":"Rural Housing Service","name":"Rural Housing Service","id":458,"url":"https://www.federalregister.gov/agencies/rural-housing-service","json_url":"https://www.federalregister.gov/api/v1/agencies/458","parent_id":12,"slug":"rural-housing-service"},{"raw_name":"Rural Business-Cooperative Service","name":"Rural Business-Cooperative Service","id":456,"url":"https://www.federalregister.gov/agencies/rural-business-cooperative-service","json_url":"https://www.federalregister.gov/api/v1/agencies/456","parent_id":12,"slug":"rural-business-cooperative-service"}],"excerpts":"\n REAP: \n § 4280.36 Other laws that contain <span class=\"match\">compliance</span> <span class=\"match\">requirements</span> for these Programs; § 4280.36 Other laws that contain <span class=\"match\">compliance</span> <span class=\"match\">requirements</span> for these Programs.\n \n \n CF: \n § 3575.42 Design and construction <span class=\"match\">requirements</span>.\n \n \n WWD: \n § 1779.42 Design and construction <span class=\"match\">requirements</span>.\n \n \n \n \n § 5001.207 Environmental responsibilities \n \n B&amp;I: \n § 4279.59 Environmental <span class=\"match\">requirements</span>; § 4279.167 Planning and performing development.\n \n REAP: \n § 4280.36 Other laws that contain <span class=\"match\">compliance</span> <span class=\"match\">requirements</span> for these Programs.; § 4280.41 Environmental"},{"title":"Debt Collection Practices (Regulation F)","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) proposes to amend Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau's proposal would amend Regulation F to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's proposal would, among other things, address communications in connection with debt collection; interpret and apply prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection; and clarify requirements for certain consumer-facing debt collection disclosures.","document_number":"2019-09665","html_url":"https://www.federalregister.gov/documents/2019/05/21/2019-09665/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-05-21/pdf/2019-09665.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-09665.pdf?1558356319","publication_date":"2019-05-21","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":"section 809(a)(3) specifies no writing <span class=\"match\">requirement</span>. In the absence of an express writing <span class=\"match\">requirement</span> in FDCPA section 809(a)(3), the majority of circuit courts that have considered this issue have determined that a consumer's oral dispute triggers certain FDCPA protections, including, for example, FDCPA section 810's payment application <span class=\"match\">requirement</span>.\n 484 \n \n These decisions have created uncertainty for debt collectors in some jurisdictions when seeking to comply with FDCPA section 809(a)'s disclosure <span class=\"match\">requirements</span>.\n 485 \n \n \n \n \n 483 \n  \n Compare Clark"},{"title":"Inadmissibility on Public Charge Grounds","type":"Rule","abstract":"This final rule amends DHS regulations by prescribing how DHS will determine whether an alien applying for admission or adjustment of status is inadmissible to the United States under section 212(a)(4) of the Immigration and Nationality Act (INA or the Act), because he or she is likely at any time to become a public charge. The final rule includes definitions of certain terms critical to the public charge determination, such as \"public charge\" and \"public benefit,\" which are not defined in the statute, and explains the factors DHS will consider in the totality of the circumstances when making a public charge inadmissibility determination. The final rule also addresses USCIS' authority to issue public charge bonds under section 213 of the Act in the context of applications for adjustment of status. Finally, this rule includes a requirement that aliens seeking an extension of stay or change of status demonstrate that they have not, since obtaining the nonimmigrant status they seek to extend or change, received public benefits over the designated threshold, as defined in this rule. This rule does not create any penalty or disincentive for past, current, or future receipt of public benefits by U.S. citizens or aliens whom Congress has exempted from the public charge ground of inadmissibility. This rule does not apply to U.S. citizens, even if the U.S. citizen is related to an alien subject to the public charge ground of inadmissibility. The rule also does not apply to aliens whom Congress exempted from the public charge ground of inadmissibility (such as asylees, refugees, or other vulnerable populations listed as exempt in this final rule). Nor does this rule apply to aliens for whom DHS has statutory discretion to waive this ground of inadmissibility, if DHS has exercised such discretion. In addition, this includes special provisions for how DHS will consider the receipt of public benefits, as defined in this rule, by certain members of the U.S. Armed Forces and their families; certain international adoptees; and receipt of Medicaid in certain contexts, especially by aliens under the age of 21, pregnant women (and women for up to 60 days after giving birth), and for certain services funded by Medicaid under the Individuals with Disabilities Education Act (IDEA) or in a school setting. Aliens who might qualify for these exemptions should study the rule carefully to understand how the exemptions work. This final rule also clarifies that DHS will only consider public benefits received directly by the alien for the alien's own benefit, or where the alien is a listed beneficiary of the public benefit. DHS will not consider public benefits received on behalf of another. DHS also will not attribute receipt of a public benefit by one or more members of the alien's household to the alien unless the alien is also a listed beneficiary of the public benefit. This final rule supersedes the 1999 Interim Field Guidance on Deportability and Inadmissibility on Public Charge Grounds.","document_number":"2019-17142","html_url":"https://www.federalregister.gov/documents/2019/08/14/2019-17142/inadmissibility-on-public-charge-grounds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-08-14/pdf/2019-17142.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-17142.pdf?1565613924","publication_date":"2019-08-14","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"101(a)(15)(H)(ii)(a) \n Yes. <span class=\"match\">Files</span> Form I-129, 8 CFR 214.1(c)(1) \n Yes. <span class=\"match\">Files</span> Form I-129 \n Yes. \n \n \n H-2B—Temporary Worker Performing Other Services Unavailable in the United States; INA 101(a)(15)(H)(ii)(b) \n Yes. <span class=\"match\">Files</span> Form I-129, 8 CFR 214.1(c)(1) \n Yes. <span class=\"match\">Files</span> Form I-129 \n Yes. \n \n \n H-3—Trainee; INA 101(a)(15)(H)(iii) \n Yes. <span class=\"match\">Files</span> Form I-129, 8 CFR 214.1(c)(1) \n Yes. <span class=\"match\">Files</span> Form I-539 \n Yes. \n \n \n H-4—Spouse or Child of Alien Classified H1B/B1/C, H2A/B, or H-3; INA 101(a)(15)(H)(iv) \n Yes. <span class=\"match\">Files</span> Form I-539, 8 CFR 214.1(c)(2) \n Yes. <span class=\"match\">Files</span> Form I-539. 8 CFR"},{"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 laws 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"}]}