{"description":"Documents matching 'compliance loan improperly reported altered'","count":2309,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+loan+improperly+reported+altered&format=json&page=2","results":[{"title":"William D. Ford Federal Direct Loan (Direct Loan) Program","type":"Rule","abstract":"The Secretary establishes new regulations on the Public Service Loan Forgiveness (PSLF) program in the William D. Ford Federal Direct Loan (Direct Loan) program under 34 CFR 685.219 by adding or clarifying provisions to exclude employers that engage in specific enumerated illegal activities such that they have a substantial illegal purpose, including defining obligations and processes tied to making such a determination of an employer, clarifying that borrowers will receive full credit for work performed, until the effective date of the Secretary's determination that an employer is no longer a qualifying employer under the rule; and establishing methods for an employer to regain eligibility following a determination of ineligibility by the Secretary. These regulations ensure that taxpayer dollars are not misused by preventing PSLF benefits from going to individuals employed by organizations that have a substantial illegal purpose. The revisions strengthen accountability, enhance program integrity, and protect hardworking taxpayers from shouldering the cost of improper subsidies granted to employees of organizations that undermine national security and American values through criminal activity.","document_number":"2025-19729","html_url":"https://www.federalregister.gov/documents/2025/10/31/2025-19729/william-d-ford-federal-direct-loan-direct-loan-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-31/pdf/2025-19729.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19729.pdf?1761828307","publication_date":"2025-10-31","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":"1965, as amended (HEA), to allow for cancellation of remaining <span class=\"match\">loan</span> balances for eligible Direct <span class=\"match\">Loan</span> borrowers after they made 120 monthly payments under a qualifying repayment plan while working in a qualifying public service. \n \n Following the enactment of the CCRAA, the Department promulgated PSLF regulations at 34 CFR 685.219, which became effective on July 1, 2009. \n See Federal Perkins <span class=\"match\">Loan</span> Program, Federal Family Education <span class=\"match\">Loan</span> Program, and William D. Ford Federal Direct <span class=\"match\">Loan</span> Program, \n 73 FR 63232 (Oct. 23, 2008).\n \n \n Since its original"},{"title":"William D. Ford Federal Direct Loan (Direct Loan) Program","type":"Proposed Rule","abstract":"The Secretary proposes to amend the regulations on the Public Service Loan Forgiveness (PSLF) program under 34 CFR 685.219 to exclude employers that engage in activities that have a substantial illegal purpose. The proposed regulations would prevent taxpayer-funded PSLF benefits from being improperly provided to individuals who are employed by organizations that engage in activities that have a substantial illegal purpose. These proposed changes are intended to improve the administration of the PSLF program and provide protection for taxpayers.","document_number":"2025-15665","html_url":"https://www.federalregister.gov/documents/2025/08/18/2025-15665/william-d-ford-federal-direct-loan-direct-loan-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-18/pdf/2025-15665.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15665.pdf?1755261946","publication_date":"2025-08-18","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":"summarized in Table 2.1 of this RIA. This includes both the effects of a modification to existing <span class=\"match\">loan</span> cohorts and costs for <span class=\"match\">loan</span> cohorts from 2026 to 2035. A cohort reflects all <span class=\"match\">loans</span> originated in a given fiscal year. Consistent with the requirements of the Credit Reform Act of 1990, budget cost estimates for the student <span class=\"match\">loan</span> programs reflect the estimated net present value of all future non-administrative Federal costs associated with a cohort of <span class=\"match\">loans</span>. The baseline for estimating the cost of these final regulations is the President's Budget for"},{"title":"Funding Opportunities: Small Dollar Loan Program: FY 2026 Funding Round","type":"Notice","abstract":"The CDFI Fund expands access to capital and related technical assistance across the United States through investment in and assistance to Community Development Financial Institutions (CDFIs). The Small Dollar Loan Program (SDL Program) is administered by the Community Development Financial Institutions Fund (CDFI Fund). Through the SDL Program, the CDFI Fund provides (1) grants for Loan Loss Reserves (LLR) to enable a Certified Community Development Financial Institution (CDFI) to establish a loan loss reserve fund to cover the losses on small dollar consumer loans associated with starting a new small dollar consumer loan program or expanding an existing small dollar consumer loan program; and (2) grants for Technical Assistance (TA) for technology, staff support, and other eligible activities to enable a Certified CDFI to establish and maintain a small dollar consumer loan program. Through the SDL Program Awards, Recipients will serve rural and urban communities across the nation that lack access to affordable consumer lending products. All awards provided through this Notice of Funds Availability (NOFA) are subject to funding availability.","document_number":"2026-13200","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13200/funding-opportunities-small-dollar-loan-program-fy-2026-funding-round","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13200.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13200.pdf?1782737121","publication_date":"2026-06-30","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":"Community Development Financial Institutions Fund","name":"Community Development Financial Institutions Fund","id":78,"url":"https://www.federalregister.gov/agencies/community-development-financial-institutions-fund","json_url":"https://www.federalregister.gov/api/v1/agencies/78","parent_id":497,"slug":"community-development-financial-institutions-fund"}],"excerpts":"opt-out of a credit card. For example, <span class=\"match\">loans</span> that automatically include insurance products such as credit, life, disability insurance or involuntary unemployment insurance coverage, or <span class=\"match\">loans</span> that automatically open a credit card for the borrower. \n \n \n (v) Security interests in household goods, vehicles, or deposit accounts \n <span class=\"match\">Loans</span> that are secured, except for <span class=\"match\">loans</span> secured by a savings account for <span class=\"match\">loans</span> with a savings component or credit builder <span class=\"match\">loans</span>. \n \n \n (vi) Excessive late fees on missed <span class=\"match\">loan</span> payments \n <span class=\"match\">Loans</span> that charge more than one fee per late"},{"title":"Reimagining and Improving Student Education-Federal Student Loan Program Final Regulations","type":"Rule","abstract":"The Secretary amends the regulations for the Federal student loan programs authorized under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement the statutory changes to the title IV, HEA programs included in Public Law 119-21, the Working Families Tax Cuts Act signed into law by President Trump on July 4, 2025. The Department previously referred to the Working Families Tax Cuts Act as the \"One Big Beautiful Bill Act,\" including in the Notice of Proposed Rulemaking published on January 30, 2026. These changes include establishing new loan limits for graduate students, professional students, and parents, and phasing out the Graduate PLUS (Grad PLUS) Program. The Working Families Tax Cuts Act also simplifies the current broken and confusing myriad of Federal student loan repayment plans by phasing out the existing Income- Contingent Repayment (ICR) plans, creating a new Tiered Standard repayment plan option, and establishing a new income-driven repayment plan known as the Repayment Assistance Plan. The Working Families Tax Cuts Act also enables borrowers in default who have previously rehabilitated a defaulted loan a second chance to rehabilitate their loan(s) and resume repayment.","document_number":"2026-08556","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08556/reimagining-and-improving-student-education-federal-student-loan-program-final-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08556.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08556.pdf?1777553126","publication_date":"2026-05-01","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":"forbearance, and Public Service <span class=\"match\">Loan</span> Forgiveness (PSLF). The regulations also provide borrowers in default a second opportunity to rehabilitate their <span class=\"match\">loans</span> and resume repayment, even if they previously rehabilitated a defaulted <span class=\"match\">loan</span>. \n 1. Summary of Major Provisions of This Regulatory Action \n These final regulations: \n • Amend §§ 674.39, 682.215, and 682.405 to allow <span class=\"match\">loan</span> rehabilitation up to twice per each <span class=\"match\">loan</span> borrowed under the Federal Perkins Program, Federal Family Education <span class=\"match\">Loan</span> Program, and the Direct <span class=\"match\">Loan</span> Program, up from only one. \n • Amend"},{"title":"Labor Organization Annual Financial Reports","type":"Rule","abstract":"The Department of Labor (Department) publishes this combined final rule to its regulations to improve its LM Labor Organization Annual Financial Reports by establishing a longer LM form for the largest labor organizations (Form LM-2 Long Form), revising a slightly shorter form for most labor organizations at and above the $350,000 threshold (Form LM-2), making a parallel revision to Form LM-3, and updating reporting thresholds for Forms LM-3 and LM-4 to promote financial integrity and transparency. The final rule applies prospectively under section 208 of the Labor-Management Reporting and Disclosure Act of 1959 (LMRDA).","document_number":"2026-10849","html_url":"https://www.federalregister.gov/documents/2026/06/01/2026-10849/labor-organization-annual-financial-reports","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-01/pdf/2026-10849.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10849.pdf?1780058719","publication_date":"2026-06-01","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Office of Labor-Management Standards","name":"Labor-Management Standards Office","id":274,"url":"https://www.federalregister.gov/agencies/labor-management-standards-office","json_url":"https://www.federalregister.gov/api/v1/agencies/274","parent_id":271,"slug":"labor-management-standards-office"}],"excerpts":"disbursements <span class=\"match\">reported</span> to officers and employees in (1) the salaries <span class=\"match\">reported</span> in Column D; (2) the allowances <span class=\"match\">reported</span> in Column E; (3) the reimbursed expenses <span class=\"match\">reported</span> in Column F; and (4) other disbursements <span class=\"match\">reported</span> in Column G.\n \n For example, the district director continued, the <span class=\"match\">report</span> of salaries paid to an officer/employee could be broken down and <span class=\"match\">reported</span> in the following categories: (1) Salary, (2) lost wages, and (3) bonuses. In another example, the <span class=\"match\">reporting</span> of reimbursed expenses paid to an officer/employee could be <span class=\"match\">reported</span> in the following"},{"title":"Funding Opportunities: Bank Enterprise Award Program (BEA) Program: FY 2026 Funding Round","type":"Notice","abstract":"The CDFI Fund promotes economic revitalization and community development through investment in and assistance to CDFIs. The BEA Program awards formula-based grants to FDIC-insured banks or thrifts that have, during a specified period, (1) increased their levels of loans, investments, and Service Activities to residents and businesses in economically Distressed Communities; and/or (2) increased their financial assistance and Technical Assistance to Certified CDFIs through equity investments, equity-like loans, grants, stock purchases, loans, deposits, and other forms of assistance. Capitalized terms in this NOFA are defined in the Authorizing Statute, the Interim Rule, this NOFA, the Application, Application materials, or the Uniform Administrative Requirements.","document_number":"2026-13199","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13199/funding-opportunities-bank-enterprise-award-program-bea-program-fy-2026-funding-round","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13199.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13199.pdf?1782737121","publication_date":"2026-06-30","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":"Community Development Financial Institutions Fund","name":"Community Development Financial Institutions Fund","id":78,"url":"https://www.federalregister.gov/agencies/community-development-financial-institutions-fund","json_url":"https://www.federalregister.gov/api/v1/agencies/78","parent_id":497,"slug":"community-development-financial-institutions-fund"}],"excerpts":"Equity Investments, Equity-Like <span class=\"match\">Loans</span>, and Grants. CDFI Support Activities includes Certificates of Deposits, <span class=\"match\">Loans</span>, and Technical Assistance. Distressed Community Financing Activities (12 CFR 1806.103) means Consumer <span class=\"match\">Loans</span> and Commercial <span class=\"match\">Loans</span> and Investments. Consumer <span class=\"match\">Loans</span> include Affordable Housing <span class=\"match\">Loans</span>, Education <span class=\"match\">Loans</span>, Home Improvement <span class=\"match\">Loans</span>, and Small Dollar Consumer <span class=\"match\">Loans</span>. Commercial <span class=\"match\">Loans</span> and Investments includes Affordable Housing Development <span class=\"match\">Loans</span> and related Project Investments, Commercial Real Estate <span class=\"match\">Loans</span> and related Project Investments"},{"title":"Reporting of Securities Loans","type":"Rule","abstract":"The Securities and Exchange Commission (\"SEC\" or \"Commission\") is adopting a new rule under the Securities Exchange Act of 1934 (\"Exchange Act\") to increase the transparency and efficiency of the securities lending market by requiring certain persons to report information about securities loans to a registered national securities association (\"RNSA\"). The new rule also requires certain confidential information to be reported to an RNSA to enhance an RNSA's oversight and enforcement functions. Further, the new rule requires that an RNSA make certain information it receives, along with daily information pertaining to the aggregate transaction activity and distribution of loan rates for each reportable security, available to the public.","document_number":"2023-23052","html_url":"https://www.federalregister.gov/documents/2023/11/03/2023-23052/reporting-of-securities-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-03/pdf/2023-23052.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-23052.pdf?1698929118","publication_date":"2023-11-03","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":"Persons With <span class=\"match\">Reporting</span> Obligations—10c-1a(j)(1) \n B. <span class=\"match\">Reporting</span> Agent Overview \n 1. Use of a <span class=\"match\">Reporting</span> Agent—Rule 10c-1a(a)(2) \n 2. <span class=\"match\">Reporting</span> Agent Definition—Rule 10c-1a(j)(4) \n C. <span class=\"match\">Reporting</span> Agent Requirements—Rule 10c-1a(b) \n 1. <span class=\"match\">Reporting</span> Agent <span class=\"match\">Reporting</span> Requirements—Rule 10c-1a(b) \n 2. Recordkeeping Requirements of a <span class=\"match\">Reporting</span> Agent—Rule 10c-1a(b)(5) \n D. Scope of Securities Required To Be <span class=\"match\">Reported</span>—Rule 10c-1a(j)(3) \n E. Scope of Transactions Required To Be <span class=\"match\">Reported</span>—Rule 10c-1a(j)(2) \n F. Information To Be Provided to an RNSA \n 1. <span class=\"match\">Loan</span> Data Elements—Rule"},{"title":"Accountability in Higher Education and Access Through Demand- Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Earnings Accountability","type":"Rule","abstract":"The Secretary of Education (Secretary) amends the regulations governing institutional eligibility, general provisions, and the William D. Ford Direct Loan (Direct Loan) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement statutory changes to the title IV, HEA programs included in the Working Families Tax Cuts Act (WFTCA) signed into law by President Trump on July 4, 2025. These changes include revisions to program eligibility requirements for the Direct Loan program and the introduction of an earnings accountability framework that limits Direct Loan eligibility to programs whose graduates meet certain earnings benchmarks. This action finalizes regulations to implement the provisions of the WFTCA related to low-earning outcome programs and the Direct Loan program, and to harmonize those regulations with requirements for programs that are required to lead to gainful employment (GE programs).","document_number":"2026-13286","html_url":"https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-01/pdf/2026-13286.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13286.pdf?1782823517","publication_date":"2026-07-01","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":"Federal tax data, as it is legally required to be <span class=\"match\">reported</span> under the tax code. The IRS directs employees to keep a daily tip record, to <span class=\"match\">report</span> all cash tips to the employer (unless tips are less than $20 per month), and to <span class=\"match\">report</span> all tips on the individual's Federal income tax return.\n 16 \n \n Therefore, the possibility of under-<span class=\"match\">reported</span> tipped income would only occur if program graduates were unlawfully not <span class=\"match\">reporting</span> tipped income \n en masse, \n which is why we continue to believe the issue of under-<span class=\"match\">reported</span> tipped income is likely to be much smaller than"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"In accordance with the Privacy Act of 1974, as amended (Privacy Act), the U.S. Department of Education (Department) publishes this notice of a modified system of records entitled \"Common Services for Borrowers (CSB)\" (18-11-16). The information contained in this system is maintained for various purposes relating to aid applicants and recipients, cosigners, and endorsers of loan applications for Federal title IV, Higher Education Act of 1965, as amended (HEA) program funds.","document_number":"2026-07826","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07826/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07826.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07826.pdf?1776775515","publication_date":"2026-04-22","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":"records on individuals who received a <span class=\"match\">loan</span> or who otherwise owe a title IV, HEA obligation held, originated, serviced, disbursed, adjusted, collected, or discharged by the Department, which was made under: \n (1) The Federal Family Education <span class=\"match\">Loan</span> (FFEL) Program, including Stafford <span class=\"match\">Loans</span>, Federal Insured Student <span class=\"match\">Loans</span> (FISL), Supplemental <span class=\"match\">Loans</span> for Students (SLS), PLUS <span class=\"match\">Loans</span> (formerly Parental <span class=\"match\">Loans</span> for Undergraduate Students), and Consolidation <span class=\"match\">Loans</span>; \n (2) the William D. Ford Federal Direct <span class=\"match\">Loan</span> (Direct <span class=\"match\">Loan</span>) Program, including Federal Direct Unsubsidized"},{"title":"Permitted Payment Stablecoin Issuer Anti-Money Laundering/Countering the Financing of Terrorism Program and Sanctions Compliance Program Requirements","type":"Proposed Rule","abstract":"The Department of the Treasury's Financial Crimes Enforcement Network (FinCEN) and Office of Foreign Assets Control (OFAC) are jointly issuing this proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). Specifically, it implements the GENIUS Act's directive to treat permitted payment stablecoin issuers (PPSIs) as financial institutions for purposes of the Bank Secrecy Act, proposes anti-money laundering obligations for PPSIs, and proposes certain specific obligations required by the GENIUS Act for PPSIs. It also implements the GENIUS Act's directive to require PPSIs to maintain effective sanctions compliance programs.","document_number":"2026-06963","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06963/permitted-payment-stablecoin-issuer-anti-money-launderingcountering-the-financing-of-terrorism","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06963.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06963.pdf?1775738715","publication_date":"2026-04-10","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 Foreign Assets Control","name":"Foreign Assets Control Office","id":203,"url":"https://www.federalregister.gov/agencies/foreign-assets-control-office","json_url":"https://www.federalregister.gov/api/v1/agencies/203","parent_id":497,"slug":"foreign-assets-control-office"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"received approximately 55,000 suspicious activity <span class=\"match\">reports</span> (SARs) that referenced one or more specific stablecoins in the narrative, as well as an additional approximately 8,400 <span class=\"match\">reports</span> that included a general reference to the term “stablecoin.” Also, between January 1, 2015, and November 21, 2025, OFAC received approximately 5,800 <span class=\"match\">reports</span> on blocked property and 3,000 <span class=\"match\">reports</span> on rejected transactions that referenced one or more specific stablecoins in the narrative, as well as approximately six <span class=\"match\">reports</span> that included a general reference to the term “stablecoin”"},{"title":"Voluntary Fiduciary Correction Program","type":"Rule","abstract":"This document contains an amended and restated Voluntary Fiduciary Correction Program (VFC Program or Program) under title I of the Employee Retirement Income Security Act of 1974, as amended (ERISA). The VFC Program is designed to encourage correction of fiduciary breaches and compliance with the law by permitting persons to avoid potential Department of Labor civil enforcement actions and civil penalties if they voluntarily correct eligible transactions in a manner that meets the requirements of the Program. The amendments to the Program simplify and expand the VFC Program to make the Program easier to use and more useful for employers and others who wish to avail themselves of the relief provided. Specifically, the Program amendments add a self-correction feature for delinquent transmittal of participant contributions and loan repayments to a pension plan under certain circumstances; clarify some existing transactions eligible for correction under the Program; expand the scope of other transactions currently eligible for correction; and simplify certain administrative or procedural requirements for participation in and correction of transactions under the VFC Program. In addition, the amendments implement section 305(b)(2) and (3) of the SECURE 2.0 Act of 2022 (SECURE 2.0 Act) by adding a self-correction feature for certain participant loan failures self-corrected under the Internal Revenue Service's Employee Plans Compliance Resolution System (as described in Rev. Proc. 2021-30, or any successor guidance) (IRS's EPCRS).","document_number":"2025-00327","html_url":"https://www.federalregister.gov/documents/2025/01/15/2025-00327/voluntary-fiduciary-correction-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00327.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00327.pdf?1736862323","publication_date":"2025-01-15","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":" 7.2 <span class=\"match\">Loans</span> \n (a) <span class=\"match\">Loan</span> at Fair Market Interest Rate to a Party in Interest With Respect to the Plan \n \n (1) \n Description of Transaction. \n A plan made a <span class=\"match\">loan</span> to a party in interest at an interest rate no less than that for <span class=\"match\">loans</span> with similar terms (for example, the amount of the <span class=\"match\">loan</span>, amount and type of security, repayment schedule, and duration of <span class=\"match\">loan</span>) to a borrower of similar creditworthiness. The <span class=\"match\">loan</span> was not exempt from the prohibited transaction provisions of Title I of ERISA.\n \n \n (2) \n Correction of Transaction. \n Pay off the <span class=\"match\">loan</span> in full"},{"title":"Student Debt Relief 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. In this NPRM, the Department proposes regulations, in accordance with the Secretary's authority to waive repayment of a loan provided by the HEA, to provide targeted debt relief as part of efforts to address the burden of student loan debt. The proposed regulations would modify the Department's existing debt collection regulations to provide greater specificity regarding certain non-exhaustive situations in which the Secretary may exercise discretion to waive all or part of any debts owed to the Department.","document_number":"2024-07726","html_url":"https://www.federalregister.gov/documents/2024/04/17/2024-07726/student-debt-relief-for-the-william-d-ford-federal-direct-loan-program-direct-loans-the-federal","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-17/pdf/2024-07726.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07726.pdf?1713271514","publication_date":"2024-04-17","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":"the Department would calculate the date when a <span class=\"match\">loan</span> originally entered repayment. For a <span class=\"match\">loan</span> that is not a PLUS <span class=\"match\">loan</span> or a consolidation <span class=\"match\">loan</span>, the Department would use the day after the <span class=\"match\">loan's</span> initial grace period ends. For PLUS <span class=\"match\">loans</span> made to either a parent or a graduate or professional student, the Department would use the date the <span class=\"match\">loan</span> is fully disbursed. For a Federal Consolidation <span class=\"match\">Loan</span> or Direct Consolidation <span class=\"match\">Loan</span> made prior to July 1, 2023, the Department would consider the earliest date a <span class=\"match\">loan</span> repaid by the consolidation loan had the following"},{"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":"limiting the circumstances under which consumer <span class=\"match\">reporting</span> agencies may disclose consumer information. FCRA section 604, entitled \n Permissible purposes of consumer <span class=\"match\">reports</span>, \n identifies an exclusive list of permissible purposes for which consumer <span class=\"match\">reporting</span> agencies may provide consumer <span class=\"match\">reports</span>.\n 95 \n \n The statute states that a consumer <span class=\"match\">reporting</span> agency may provide consumer <span class=\"match\">reports</span> under these circumstances “and no other.” In addition, FCRA section 607(a) requires that “[e]very consumer <span class=\"match\">reporting</span> agency shall maintain reasonable procedures designed"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"In accordance with the Privacy Act of 1974, as amended, the U.S. Department of Education (Department) publishes this notice of a modified system of records entitled \"Aid Awareness and Application Processing\" (18-11-21). This system maintains information necessary for the Department to process applications for Federal student financial program assistance under title IV of the Higher Education Act of 1965, as amended (HEA); to perform the responsibilities of the Federal Student Aid (FSA) Ombudsman; to provide Federal student loan repayment relief including under the borrower defense to repayment regulations; to notify aid applicants and aid recipients of aid program opportunities and updates under title IV of the HEA via digital communication channels; and to maintain the StudentAid.gov website as the front end for assisting customers with all of their Federal student financial aid needs throughout the student aid lifecycle. The Department's Digital and Customer Care (DCC) Information Technology (IT) system collects the electronic records maintained in the Aid Awareness and Application Processing (AAAP) system.","document_number":"2026-07825","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07825/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07825.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07825.pdf?1776775515","publication_date":"2026-04-22","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":"Level; and (3) system flags for Additional Unsubsidized <span class=\"match\">Loan</span>; Capitalized Interest; Defaulted <span class=\"match\">Loan</span> Change; Discharged <span class=\"match\">Loan</span> Change; <span class=\"match\">Loan</span> Satisfactory Repayment Change; Active Bankruptcy Change; Overpayments Change; Aggregate <span class=\"match\">Loan</span> Change; Defaulted <span class=\"match\">Loan</span>; Discharged <span class=\"match\">Loan</span>; <span class=\"match\">Loan</span> Satisfactory Repayment; Active Bankruptcy; Additional <span class=\"match\">Loans</span>; Direct <span class=\"match\">Loan</span> Master Promissory Note; Direct PLUS <span class=\"match\">Loan</span> Master Promissory Note; Subsidized <span class=\"match\">Loan</span> Limit; and the Combined <span class=\"match\">Loan</span> Limit. Federal Perkins <span class=\"match\">Loan</span> information <span class=\"match\">reported</span> by NSLDS includes, but is not limited to: Cumulative"},{"title":"Medicare Program: Hospital Outpatient Prospective Payment and Ambulatory Surgical Center Payment Systems; and Quality Reporting Programs; Including the Hospital Outpatient Quality Reporting Program and Ambulatory Surgical Center Quality Program; Request for Information on Strengthening the Standardization and Comparability of Hospital Price Transparency (HPT) Data; Prior Authorization; Accrediting Organization (AO) Deeming for Emergency Medical Treatment and Labor Act (EMTALA); and Notices of Closure of Teaching Hospitals and Opportunities To Apply for Available Slots","type":"Proposed Rule","abstract":"This proposed rule would revise the Medicare Hospital Outpatient Prospective Payment System (OPPS) and the Medicare Ambulatory Surgical Center (ASC) payment system for calendar year 2027 based on our continuing experience with these systems. We also describe the changes to the amounts and factors used to determine the payment rates for Medicare services paid under the OPPS and those paid under the ASC payment systems. In addition, this proposed rule would update and refine the requirements for the Hospital Outpatient Quality Reporting Program and the Ambulatory Surgical Center Quality Reporting Program. There are no changes to the Rural Emergency Hospital Quality Reporting Program. We propose to expand the prior authorization requirement to include additional Botulinum Toxin Injection services. We also propose to implement certain provisions of the Consolidated Appropriations Act, 2026, for off-campus outpatient departments of a provider. In addition, this proposed rule announces notices of closure of teaching hospitals and opportunities to apply for available slots. This rule also requests information regarding potential approaches to improve comparability and standardization, particularly for complex contracting methodologies, of the HPT information reported in machine- readable files and consumer-friendly displays. We propose hospital AOs with deeming authority to assess compliance with certain Emergency Medical Treatment and Labor Act (EMTALA) administrative requirements during accreditation and reaccreditation surveys. Finally, we are soliciting comments on a potential separate payment under the Inpatient Prospective Payment System (IPPS) for domestic procurement of personal protective equipment and essential medicines.","document_number":"2026-13656","html_url":"https://www.federalregister.gov/documents/2026/07/07/2026-13656/medicare-program-hospital-outpatient-prospective-payment-and-ambulatory-surgical-center-payment","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-07/pdf/2026-13656.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13656.pdf?1782996328","publication_date":"2026-07-07","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"families from the IPO list for CY 2027.\n \n \n • \n Cross-Program Updates for the Hospital Outpatient Quality <span class=\"match\">Reporting</span> and Ambulatory Surgical Center Quality <span class=\"match\">Reporting</span> Programs: \n We propose to remove the Appropriate Follow-Up Interval for Normal Colonoscopy in Average Risk Patients measure from the Hospital Outpatient Quality <span class=\"match\">Reporting</span> and Ambulatory Surgical Center Quality <span class=\"match\">Reporting</span> Programs.\n \n \n • \n Hospital Outpatient Quality <span class=\"match\">Reporting</span> Program: \n In addition to the cross-program proposal to remove the Appropriate Follow-Up Interval for Normal"},{"title":"Medicare Program; FY 2027 Hospice Wage Index and Payment Rate Update and Hospice Quality Reporting Program Requirements","type":"Proposed Rule","abstract":"This proposed rule would update the hospice wage index, payment rates, and aggregate cap amount for Fiscal Year (FY) 2027. This proposed rule also includes an analysis of Medicare non-hospice spending, including details regarding a hospice service and spending variation index (SSVI), and proposes to require that hospices provide the hospice election statement addendum to all Medicare beneficiaries at the time of hospice election. Additionally, this rule proposes conforming regulation text changes to discharge from hospice care regulations; regulation text changes to the face-to-face encounter regulations; and includes requests for information on community palliative care services; the construction of a hospice specific wage index; and the overlap between hospice and medical aid in dying (MAID). Finally, this rule proposes changes to the Hospice Quality Reporting Program.","document_number":"2026-06604","html_url":"https://www.federalregister.gov/documents/2026/04/06/2026-06604/medicare-program-fy-2027-hospice-wage-index-and-payment-rate-update-and-hospice-quality-reporting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-06/pdf/2026-06604.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06604.pdf?1775160907","publication_date":"2026-04-06","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"and speech pathologists. Since the full-time equivalent hours for the occupations are not <span class=\"match\">reported</span> in hospice cost <span class=\"match\">reports</span>, we would need to estimate using the most complete claims data available.\n \n The occupational mix determines how much weight each occupation's wage receives in the overall calculation of the wage level for each geographic area and the national level. Our suggested approach uses expenses <span class=\"match\">reported</span> in hospice cost <span class=\"match\">reports</span> and minutes <span class=\"match\">reported</span> in hospice claims data for 10 occupational categories (hospice aide, registered nurses,"},{"title":"Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program","type":"Proposed Rule","abstract":"This proposed rule contains provisions to improve implementation of the Patient Protection and Affordable Care Act, including payment parameters and provisions related to the HHS-operated risk adjustment and risk adjustment data validation (HHS-RADV) programs, as well as 2027 user fee rates for issuers offering qualified health plans (QHPs) through Federally-facilitated Exchanges (FFEs) and State-based Exchanges on the Federal platform (SBE-FPs). This proposed rule also includes provisions related to civil money penalties (CMPs) for noncompliant issuers and other responsible entities; standards governing agents, brokers, and web-brokers; the expansion and codification of hardship exemption eligibility; implementation of the State Exchange Improper Payment Measurement (SEIPM); provider access standards and essential community provider standards for QHP certification; QHP certification of non-network plans; a prohibition on issuers from including routine non-pediatric dental services as an Essential Health Benefit (EHB); cost-sharing flexibilities for catastrophic and individual market bronze plans; establishment of catastrophic plans with plan terms of up to 10 consecutive years; QHP issuer quality improvement strategies (QISs); revisions affecting which enrollees are included in Federal Basic Health Program (BHP) payment calculations to States; and seeks comment on potential adjustments to other Federal standards, including the Federal medical loss ratio (MLR) standard in the individual market. This proposed rule also includes amendments to implement certain provisions of the Working Families Tax Cut (WFTC) legislation.","document_number":"2026-02769","html_url":"https://www.federalregister.gov/documents/2026/02/11/2026-02769/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2027-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-11/pdf/2026-02769.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-02769.pdf?1770671709","publication_date":"2026-02-11","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":"critical gap in <span class=\"match\">improper</span> payment oversight, as the PIIA requires Federal agencies to estimate and <span class=\"match\">report</span> on <span class=\"match\">improper</span> payments in programs determined to be susceptible to significant <span class=\"match\">improper</span> payments. While we have established an <span class=\"match\">improper</span> payment measurement for the FFE, (that is, the Federal Exchange <span class=\"match\">Improper</span> Payment Measure or FEIPM),\n 130 \n \n State Exchanges have operated without comparable systematic measurement of APTC <span class=\"match\">improper</span> payments. The FFE's <span class=\"match\">improper</span> payment measurement is overseen by the Payment Accuracy and <span class=\"match\">Reporting</span> Group (PARG), within"},{"title":"Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program","type":"Rule","abstract":"This final rule contains provisions to improve implementation of the Patient Protection and Affordable Care Act, including payment parameters and provisions related to the HHS-operated risk adjustment and risk adjustment data validation (HHS-RADV) programs, as well as 2027 user fee rates for issuers offering qualified health plans (QHPs) through Federally-facilitated Exchanges (FFEs) and State-based Exchanges on the Federal platform (SBE-FPs). This final rule also includes provisions related to civil money penalties (CMPs) for noncompliant issuers and other responsible entities; standards governing agents, brokers, and web-brokers; the expansion and codification of hardship exemption eligibility; implementation of the State Exchange Improper Payment Measurement (SEIPM); provider access standards and essential community provider standards for QHP certification; QHP certification of non-network plans; a prohibition on issuers from including routine non-pediatric dental services as an Essential Health Benefit (EHB); requirements related to defrayal for the cost of any State-required benefits in addition to the EHB; cost- sharing flexibilities for catastrophic and individual market bronze plans; establishment of catastrophic plans with plan terms of up to 10 consecutive plan years; QHP issuer quality improvement strategies (QISs); and revisions affecting which enrollees are included in Federal Basic Health Program (BHP) payment calculations to States. This final rule also includes amendments to implement certain provisions of the Working Families Tax Cut (WFTC) legislation.","document_number":"2026-10050","html_url":"https://www.federalregister.gov/documents/2026/05/20/2026-10050/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2027-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-20/pdf/2026-10050.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10050.pdf?1779135308","publication_date":"2026-05-20","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"raw_name":"Office of the Secretary"}],"excerpts":" \n \n 229 \n  HHS has already implemented an Exchange <span class=\"match\">Improper</span> Payment Measurement (EIPM) process to review potential <span class=\"match\">improper</span> APTC payments in the FFEs.\n \n \n We stated in the proposed rule that the proposed SEIPM program would specify a methodology to develop State Exchange <span class=\"match\">improper</span> payment estimates and provide for the accurate calculation, and subsequent <span class=\"match\">reporting</span>, of an <span class=\"match\">improper</span> payment rate in HHS' Agency Financial <span class=\"match\">Report</span> (AFR). To ensure the accurate and consistent calculation of <span class=\"match\">improper</span> payments via the SEIPM program, we proposed to require"},{"title":"Lifeline and Link Up Reform and Modernization; Bridging the Digital Divide for Low-Income Consumers; Telecommunications Carriers Eligible for Universal Service Support; Affordable Connectivity Program; Emergency Broadband Benefit Program","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) seeks to ensure that Lifeline services are used to benefit and support eligible low-income Americans, that the program's funding is protected from waste, fraud, and abuse, and that service providers are in compliance with Commission rules. The Commission also seeks to update and streamline Lifeline and related rules.","document_number":"2026-06531","html_url":"https://www.federalregister.gov/documents/2026/04/03/2026-06531/lifeline-and-link-up-reform-and-modernization-bridging-the-digital-divide-for-low-income-consumers","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-03/pdf/2026-06531.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06531.pdf?1775133915","publication_date":"2026-04-03","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"Delete, Delete, Delete \n proceeding have suggested revising or eliminating certain <span class=\"match\">reporting</span> requirements. The Commission seeks comments on what, if any, specific <span class=\"match\">reporting</span> requirements should be eliminated in connection with FCC Form 481 and FCC Form 555. For example, the same or similar <span class=\"match\">reporting</span> requirements in FCC Form 481's High-Cost portion were previously eliminated: (1) network outage <span class=\"match\">reporting</span>, (2) complaint <span class=\"match\">reporting</span>, and (3) certification of <span class=\"match\">compliance</span> with service quality standards and consumer protection rules. The Commission seeks"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is revising certain provisions of Regulation B, subpart B, which implements changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is amending coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of section 1071.","document_number":"2026-08494","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08494/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08494.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08494.pdf?1777564810","publication_date":"2026-05-01","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"industry requested an exclusion for all <span class=\"match\">loans</span> secured by non-owner-occupied commercial real estate. The coalition argued that such <span class=\"match\">loans</span> are not foundational to small business formation or operations. It further argued that commercial real estate <span class=\"match\">loans</span> differ from traditional small business <span class=\"match\">loans</span> because real estate <span class=\"match\">loans</span> are based on a property's expected cash flow and value, rather than the business's cash flow, and that Federal law acknowledges the distinction, citing SBA regulations, FFIEC Call <span class=\"match\">Report</span> instructions, and the OCC Commercial Real"}]}