{"description":"Documents matching 'compliance wage assignment waive creditor'","count":170,"total_pages":9,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+wage+assignment+waive+creditor&format=json&page=2","results":[{"title":"Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections (or their remedies) granted by State or Federal law. The proposal would also prohibit contract terms that limit free expression, including with threats of account closure, fines, or breach of contract claims, as well as other contract terms. The proposal would also codify certain longstanding prohibitions under the Federal Trade Commission's (FTC) Credit Practices Rule.","document_number":"2025-00633","html_url":"https://www.federalregister.gov/documents/2025/01/14/2025-00633/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2025-00633.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00633.pdf?1736775933","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":"\n \n \n \n <span class=\"match\">Wage</span> <span class=\"match\">assignments</span>. \n Proposed § 1027.202(c) would prohibit an “<span class=\"match\">assignment</span> of wages or other earnings unless: (1) The <span class=\"match\">assignment</span> by its terms is revocable at the will of the debtor; (2) The <span class=\"match\">assignment</span> is a payroll deduction plan or preauthorized payment plan, commencing at the time of the transaction, in which the consumer authorizes a series of <span class=\"match\">wage</span> deductions as a method of making each payment; or (3) The <span class=\"match\">assignment</span> applies only to wages or other earnings already earned at the time of the <span class=\"match\">assignment</span>.” \n 56 \n \n A <span class=\"match\">wage</span> <span class=\"match\">assignment</span> is a contractual"},{"title":"Debt Collection Authorities Under the Debt Collection Improvement Act of 1996","type":"Proposed Rule","abstract":"The Department of the Treasury (\"Treasury\"), Bureau of the Fiscal Service (\"Fiscal Service\"), proposes to revise its existing regulations regarding the Treasury Offset Program (\"TOP\") for several reasons, including to: restore statutory flexibility that was unnecessarily restricted; implement new authorities; eliminate repetitive and unnecessary language; reword certain provisions for clarity, consistent with the requirements of the Plain Writing Act of 2010 and Executive Order 12866; and better organize the regulations for easier comprehension.","document_number":"2025-23704","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23704/debt-collection-authorities-under-the-debt-collection-improvement-act-of-1996","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23704.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23704.pdf?1766411117","publication_date":"2025-12-23","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Secretary"},{"raw_name":"Fiscal Service","name":"Fiscal Service","id":585,"url":"https://www.federalregister.gov/agencies/fiscal-service","json_url":"https://www.federalregister.gov/api/v1/agencies/585","parent_id":497,"slug":"fiscal-service"}],"excerpts":"as an “<span class=\"match\">assignment</span>.” To be valid as to the United States, the “transfer” or “<span class=\"match\">assignment</span>” of a claim against the United States must meet the requirements of applicable law, including the Anti-<span class=\"match\">Assignment</span> Act, 31 U.S.C. 3727, and the laws that apply to TOP. If the requirements are not satisfied, the <span class=\"match\">assignment</span> is not valid as to the United States for purposes of this rule. \n ○ Nothing in this proposed rule would require Fiscal Service (absent instructions from a payment agency), a payment agency, or a <span class=\"match\">creditor</span> agency to recognize an <span class=\"match\">assignment</span>. \n \n ○"},{"title":"Common Application, Waivers, and Alternative Requirements for Community Development Block Grant Disaster Recovery Grantees: The Universal Notice","type":"Notice","abstract":"This notice contains a preamble and the Community Development Block Grant Disaster Recovery Universal Notice: Waivers and Alternative Requirements (the \"Universal Notice\"). The Universal Notice describes the processes, procedures, timelines, waivers, and alternative requirements that U.S. Department of Housing and Urban Development (HUD) intends to implement with each allocation of Community Development Block Grant Disaster Recovery (CDBG-DR) funding after a qualifying presidential disaster declaration. Specifically, following the appropriation of CDBG-DR funds for qualifying disasters, HUD will publish an Allocation Announcement Notice in the Federal Register that incorporates, via cross-reference, the waivers and alternative requirements provided in the Universal Notice, as appropriate, along with any other new requirements imposed by the specific appropriation. This notice also describes the grant award process, pre-award certification submissions, criteria for Action Plan approval, and eligible disaster recovery activities to streamline post-disaster processes for future grantees. By publishing the Universal Notice, HUD intends to provide grantees and the public with increased transparency, consistency, and more timely access to CDBG-DR funds, helping to minimize program delays and accelerate recovery.","document_number":"2024-31621","html_url":"https://www.federalregister.gov/documents/2025/01/08/2024-31621/common-application-waivers-and-alternative-requirements-for-community-development-block-grant","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2024-31621.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31621.pdf?1736257517","publication_date":"2025-01-08","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"in sections II.A.1.a. through II.A.1.g. below (collectively referred to as the “Financial Management and Grant <span class=\"match\">Compliance</span> Certification Requirements”), the grantee must certify to the accuracy of its submission when submitting the Financial Management and Grant <span class=\"match\">Compliance</span> Certification Checklist (the “Certification Checklist”). The Certification Checklist is a document that incorporates all of the Financial Management and Grant <span class=\"match\">Compliance</span> Certification Requirements. HUD will review the grantee's certification documentation within 45 calendar days"},{"title":"Updating the Davis-Bacon and Related Acts Regulations","type":"Rule","abstract":"In this final rule, the Department of Labor (Department or DOL) updates regulations issued under the Davis-Bacon and Related Acts. As the first comprehensive regulatory review in nearly 40 years, revisions to these regulations will promote compliance, provide appropriate and updated guidance, and enhance their usefulness in the modern economy.","document_number":"2023-17221","html_url":"https://www.federalregister.gov/documents/2023/08/23/2023-17221/updating-the-davis-bacon-and-related-acts-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-08-23/pdf/2023-17221.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-17221.pdf?1691698521","publication_date":"2023-08-23","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 the Secretary"}],"excerpts":"Office (GAO) reviewed the Department's <span class=\"match\">wage</span> survey and <span class=\"match\">wage</span> determination process and found that the Department was often behind schedule in completing <span class=\"match\">wage</span> surveys, leading to a backlog of <span class=\"match\">wage</span> determinations and the use of out-of-date <span class=\"match\">wage</span> determinations in some areas.\n 10 \n \n The report also identified dissatisfaction among regulated parties regarding the rigidity of the Department's county-based system for identifying prevailing rates,\n 11 \n \n and missing <span class=\"match\">wage</span> rates requiring an overuse of “conformances” for <span class=\"match\">wage</span> rates for specific job classifications"},{"title":"Modernization of Engagement With Mortgagors in Default","type":"Rule","abstract":"HUD's regulations require mortgagees of Federal Housing Administration insured single family mortgages to meet in person, or make a reasonable effort to meet in person, with mortgagors who are in default on their mortgage payments. This rule modernizes those requirements by amending HUD's regulations to better align with advances in electronic communication technology and mortgagor engagement preferences, while preserving consumer protections. Specifically, this rule revises HUD's in-person, face-to-face meeting requirements by permitting mortgagees to utilize methods of communication most likely to receive a response from the mortgagor, including remote communication methods, to meet with mortgagors who are in default on their mortgage payments. This rule also expands the meeting requirement to all mortgagors in default, including mortgagors who do not reside in the mortgaged property and those with a mortgaged property not within 200 miles of their mortgagee. This final rule adopts HUD's July 31, 2023, proposed rule with only minor, non- substantive revisions.","document_number":"2024-16728","html_url":"https://www.federalregister.gov/documents/2024/08/02/2024-16728/modernization-of-engagement-with-mortgagors-in-default","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-02/pdf/2024-16728.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16728.pdf?1722516313","publication_date":"2024-08-02","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"comments into consideration in developing policy regarding how and when mortgagees must attempt to arrange the meeting.\n \n F. Mortgagee <span class=\"match\">Compliance</span> With 24 CFR 203.604 \n \n Mortgagee noncompliance with mandatory meeting rule. \n \n One commenter stated that oversight from HUD OIG has shown consistent problems with mortgage servicer <span class=\"match\">compliance</span> with HUD regulations and mortgage servicer reporting of their own <span class=\"match\">compliance</span> to HUD. Citing a HUD OIG October 2016 report entitled “Single-Family Mortgage Insurance Claims” (2017-KC-0001), the commenter stated that"},{"title":"Registration for Index-Linked Annuities and Registered Market Value Adjustment Annuities; Amendments To Form N-4 for Index-Linked Annuities, Registered Market Value Adjustment Annuities, and Variable Annuities; Other Technical Amendments","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is adopting rule and form amendments to provide a tailored form to register the offerings of registered index-linked annuities (\"RILAs\"). Specifically, the Commission is amending the form currently used by most variable annuity separate accounts, Form N-4, to require issuers of RILAs to register offerings on that form as well. To facilitate this amendment, the Commission is also amending certain filing rules and making other related amendments. These changes will implement the requirements relating to RILAs contained in the Consolidated Appropriations Act, 2023. The Commission is also extending the registration, filing, and disclosure requirements that the Commission is adopting for RILA offerings to the offerings of registered market value adjustment annuities. Further, the Commission is adopting other amendments to Form N-4 that will apply to all issuers that use that form. The Commission is applying to RILA and registered market value adjustment annuity advertisements and sales literature a current Commission rule that provides guidance as to when sales literature is materially misleading under the Federal securities laws. Finally, the Commission is adopting technical amendments to Forms N-6 and N-3 to correct errors from prior Commission rulemakings.","document_number":"2024-14925","html_url":"https://www.federalregister.gov/documents/2024/07/24/2024-14925/registration-for-index-linked-annuities-and-registered-market-value-adjustment-annuities-amendments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-14925.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14925.pdf?1721738713","publication_date":"2024-07-24","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":"with rule 156 with respect to their offerings of non-variable annuities and so <span class=\"match\">compliance</span> with the rule should not impose significant additional burdens.\n 710 \n \n We are also not providing an additional <span class=\"match\">compliance</span> period for technical amendments to Forms N-3 and N-6, as these amendments entail no <span class=\"match\">compliance</span> burden.\n \n \n \n 708 \n  While the Proposing Release did not specifically discuss a <span class=\"match\">compliance</span> period for the proposed amendments to rule 156, we stated that the <span class=\"match\">compliance</span> period would apply for all of the amendments in the release other than the technical"},{"title":"Risk-Informed, Technology-Inclusive Regulatory Framework for Advanced Reactors","type":"Rule","abstract":"The U.S. Nuclear Regulatory Commission (NRC) is amending its regulations by adding a risk-informed, performance-based, and technology-inclusive regulatory framework for commercial nuclear plants in response to the Nuclear Energy Innovation and Modernization Act (NEIMA). The current application and licensing requirements were primarily developed to address license requests concerning light water- cooled reactors and operational requirements for those types of reactors. This final rule responds to NEIMA by creating an alternative, technology-inclusive regulatory framework to accommodate licensing of future commercial nuclear plants, including advanced reactor designs that may not employ light-water technology.","document_number":"2026-06048","html_url":"https://www.federalregister.gov/documents/2026/03/30/2026-06048/risk-informed-technology-inclusive-regulatory-framework-for-advanced-reactors","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-30/pdf/2026-06048.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06048.pdf?1774615514","publication_date":"2026-03-30","agencies":[{"raw_name":"NUCLEAR REGULATORY COMMISSION","name":"Nuclear Regulatory Commission","id":383,"url":"https://www.federalregister.gov/agencies/nuclear-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/383","parent_id":null,"slug":"nuclear-regulatory-commission"}],"excerpts":"That the rights of any <span class=\"match\">creditor</span> so secured may be exercised only in <span class=\"match\">compliance</span> with and subject to the same requirements and restrictions as would apply to the licensee pursuant to the provisions of the license, the Act, and regulations issued by the Commission under the Act; and \n (2) That no <span class=\"match\">creditor</span> so secured may take possession of the facility pursuant to the provisions of this section prior to either the issuance of a license from the Commission authorizing such possession or the transfer of the license. \n (b) Any <span class=\"match\">creditor</span> so secured may apply"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is amending Regulation B to implement changes to the Equal Credit Opportunity Act (ECOA) made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Consistent with section 1071, covered financial institutions are required to collect and report to the CFPB data on applications for credit for small businesses, including those that are owned by women or minorities. The final rule also addresses the CFPB's approach to privacy interests and the publication of data; shielding certain demographic data from underwriters and other persons; recordkeeping requirements; enforcement provisions; and the rule's effective and compliance dates.","document_number":"2023-07230","html_url":"https://www.federalregister.gov/documents/2023/05/31/2023-07230/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-31/pdf/2023-07230.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-07230.pdf?1685450721","publication_date":"2023-05-31","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":"assist institutions in diagnosing <span class=\"match\">compliance</span> weaknesses, to the extent that these institutions engaged in good faith <span class=\"match\">compliance</span> efforts.\n \n \n Effective and <span class=\"match\">compliance</span> dates, transitional provisions. \n This final rule will become effective 90 days after publication in the \n Federal Register \n . The CFPB is adopting a tiered <span class=\"match\">compliance</span> date schedule because it believes that smaller and mid-sized lenders would have particular difficulties complying within the single 18-month <span class=\"match\">compliance</span> period proposed in the NPRM. <span class=\"match\">Compliance</span> with the rule beginning October"},{"title":"Financial Responsibility, Administrative Capability, Certification Procedures, Ability To Benefit (ATB)","type":"Rule","abstract":"The Secretary amends the regulations implementing title IV of the Higher Education Act of 1965, as amended (HEA), related to financial responsibility, administrative capability, certification procedures, and ATB. We amend the financial responsibility regulations to increase the Department of Education's (Department) ability to identify high-risk events at institutions of higher education and require financial protection as needed. We amend and add administrative capability provisions to enhance the capacity for institutions to demonstrate their ability to continue to participate in the financial assistance programs authorized under title IV of the HEA (title IV, HEA programs). Additionally, we amend the certification procedures to create a more rigorous process for certifying institutional eligibility to participate in the title IV, HEA programs. Finally, we amend the ATB regulations related to student eligibility for non-high school graduates.","document_number":"2023-22785","html_url":"https://www.federalregister.gov/documents/2023/10/31/2023-22785/financial-responsibility-administrative-capability-certification-procedures-ability-to-benefit-atb","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-10-31/pdf/2023-22785.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-22785.pdf?1698669915","publication_date":"2023-10-31","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"institution is notified of the action. \n (viii) For the <span class=\"match\">creditor</span> events described in paragraph (c)(2)(xi) of this section, no later than 21 days after the date on which the institution is notified of the action by its <span class=\"match\">creditor</span>. \n (ix) For the other defaults, delinquencies, or <span class=\"match\">creditor</span> events described in paragraphs (d)(2)(i), (ii), (iii), and (iv) of this section, no later than 21 days after the event occurs, with an update no later than 21 days after the <span class=\"match\">creditor</span> <span class=\"match\">waives</span> the violation, or the <span class=\"match\">creditor</span> imposes sanctions or penalties, including sanctions"},{"title":"Refunds and Other Consumer Protections","type":"Rule","abstract":"The U.S. Department of Transportation (Department or DOT) is requiring automatic refunds to consumers when a U.S. air carrier or a foreign air carrier cancels or makes a significant change to a scheduled flight to, from, or within the United States and the consumer is not offered or rejects alternative transportation and travel credits, vouchers, or other compensation. These automatic refunds must be provided promptly, i.e., within 7 business days for credit card payments and within 20 calendar days for other forms of payment. To ensure consumers know when they are entitled to a refund, the Department is requiring carriers and ticket agents to inform consumers of their right to a refund if that is the case before making an offer for alternative transportation, travel credits, vouchers, or other compensation in lieu of refunds. Also, the Department is defining, for the first time, the terms \"significant change\" and \"cancellation\" to provide clarity and consistency to consumers with respect to their right to a refund. The Department is also requiring refunds to consumers for fees for ancillary services that passengers paid for but did not receive and for checked baggage fees if the bag is significantly delayed. For consumers who are unable to or advised not to travel as scheduled on flights to, from, or within the United States because of a serious communicable disease, the Department is requiring that carriers provide travel vouchers or credits that are transferrable and valid for at least 5 years from the date of issuance. Carriers may require consumers to provide documentary evidence demonstrating that they are unable to travel or have been advised not to travel to support their request for a travel voucher or credit, unless the Department of Health and Human Services (HHS) publishes guidance declaring that requiring such documentary evidence is not in the public interest.","document_number":"2024-07177","html_url":"https://www.federalregister.gov/documents/2024/04/26/2024-07177/refunds-and-other-consumer-protections","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-26/pdf/2024-07177.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07177.pdf?1714049126","publication_date":"2024-04-26","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"hourly value of time spent on the documentation, we used median <span class=\"match\">wage</span> data from the Bureau of Labor Statistics as of May 2022. Respondents would obtain, present, and submit the documentation on their own time without pay and we estimate the value of this uncompensated activity using a post-tax <span class=\"match\">wage</span> estimate of $18.48 per hour ($22.26 median hourly <span class=\"match\">wage</span> for all occupations minus a 17% estimated tax rate). For medical assistants, we used a fully loaded <span class=\"match\">wage</span> of $25.94 ($18.40 hourly <span class=\"match\">wage</span> multiplied by 1.41 to account for employer benefit costs.) For"},{"title":"Improvements to Generator Interconnection Procedures and Agreements","type":"Rule","abstract":"In this order, the Federal Energy Regulatory Commission addresses arguments raised on rehearing, sets aside, in part, and clarifies Order No. 2023, which amended the Commission's regulations and its pro forma Large Generator Interconnection Procedures, pro forma Large Generator Interconnection Agreement, pro forma Small Generator Interconnection Procedures, and pro forma Small Generator Interconnection Agreement to address interconnection queue backlogs, improve certainty, and prevent undue discrimination for new technologies.","document_number":"2024-06563","html_url":"https://www.federalregister.gov/documents/2024/04/16/2024-06563/improvements-to-generator-interconnection-procedures-and-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-06563.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06563.pdf?1713185116","publication_date":"2024-04-16","agencies":[{"raw_name":"DEPARTMENT OF ENERGY","name":"Energy Department","id":136,"url":"https://www.federalregister.gov/agencies/energy-department","json_url":"https://www.federalregister.gov/api/v1/agencies/136","parent_id":null,"slug":"energy-department"},{"raw_name":"Federal Energy Regulatory Commission","name":"Federal Energy Regulatory Commission","id":167,"url":"https://www.federalregister.gov/agencies/federal-energy-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/167","parent_id":136,"slug":"federal-energy-regulatory-commission"}],"excerpts":"Request at 26-28 (requesting more time for <span class=\"match\">compliance</span>); Dominion Rehearing Request at 26-30 (requesting a year to submit <span class=\"match\">compliance</span> filings); EEI Rehearing Request at 10-11 (requesting the <span class=\"match\">compliance</span> deadline be set to 180 days from the effective date of the final rule); PacifiCorp Rehearing Request at 20-22 (requesting the <span class=\"match\">compliance</span> deadline be set to 180 days from the effective date of the final rule, or alternatively, 120 days); PJM Rehearing Request at 46-48 (requesting the Commission delay <span class=\"match\">compliance</span> such that the 90 day clock would start upon"},{"title":"Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations with significant trading activity (the proposal). The proposal would improve the regulatory capital framework for covered banking organizations by enhancing its risk sensitivity and consistency and by simplifying core components of its design. The agencies expect the proposal would support the safety and soundness of covered banking organizations and U.S. financial stability while promoting lending and other financial intermediation activities in the banking system over a range of economic conditions.","document_number":"2026-05959","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05959/regulatory-capital-rule-category-i-and-ii-banking-organizations-banking-organizations-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05959.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05959.pdf?1774529111","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"general <span class=\"match\">creditors</span> to rank senior to the payment of such indebtedness in the event the issuer or obligor becomes the subject of a bankruptcy or other insolvency proceeding. The scope of the definition of a subordinated exposure is meant to capture the types of entities that issue subordinated instruments and for which the level of subordination is a meaningful determinant of the credit risk of the instrument. The definition also captures instances where a banking organization makes or purchases a loan that is subordinated to the general <span class=\"match\">creditors</span> of the"},{"title":"Risk-Informed, Technology-Inclusive Regulatory Framework for Advanced Reactors","type":"Proposed Rule","abstract":"The U.S. Nuclear Regulatory Commission (NRC) is proposing to revise the NRC's regulations by adding a risk-informed, performance- based, and technology-inclusive regulatory framework for commercial nuclear plants in response to the Nuclear Energy Innovation and Modernization Act (NEIMA). The NRC plans to hold a public meeting to promote full understanding of the proposed rule and facilitate public comments.","document_number":"2024-23434","html_url":"https://www.federalregister.gov/documents/2024/10/31/2024-23434/risk-informed-technology-inclusive-regulatory-framework-for-advanced-reactors","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-31/pdf/2024-23434.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-23434.pdf?1729687518","publication_date":"2024-10-31","agencies":[{"raw_name":"NUCLEAR REGULATORY COMMISSION","name":"Nuclear Regulatory Commission","id":383,"url":"https://www.federalregister.gov/agencies/nuclear-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/383","parent_id":null,"slug":"nuclear-regulatory-commission"}],"excerpts":"the rights of any <span class=\"match\">creditor</span> so secured may be exercised only in <span class=\"match\">compliance</span> with and subject to the same requirements and restrictions as would apply to the licensee pursuant to the provisions of the license, the Act, and regulations issued by the Commission under the Act; and \n \n (2) That no <span class=\"match\">creditor</span> so secured may take possession of the facility pursuant to the provisions of this section prior to either the issuance of a license from the Commission authorizing such possession or the transfer of the license.\n \n \n (b) Any <span class=\"match\">creditor</span> so secured may apply"},{"title":"Implementation of the Pregnant Workers Fairness Act","type":"Rule","abstract":"The Equal Employment Opportunity Commission is issuing this final rule and interpretive guidance to implement the Pregnant Workers Fairness Act, which requires a covered entity to provide reasonable accommodations to a qualified employee's or applicant's known limitations related to, affected by, or arising out of pregnancy, childbirth, or related medical conditions, unless the accommodation will cause an undue hardship on the operation of the business of the covered entity.","document_number":"2024-07527","html_url":"https://www.federalregister.gov/documents/2024/04/19/2024-07527/implementation-of-the-pregnant-workers-fairness-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-19/pdf/2024-07527.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07527.pdf?1713194114","publication_date":"2024-04-19","agencies":[{"raw_name":"EQUAL EMPLOYMENT OPPORTUNITY COMMISSION","name":"Equal Employment Opportunity Commission","id":147,"url":"https://www.federalregister.gov/agencies/equal-employment-opportunity-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/147","parent_id":null,"slug":"equal-employment-opportunity-commission"}],"excerpts":"substantially similar to the PWFA, <span class=\"match\">compliance</span> activities for a covered entity would take an average of 135 minutes, or 2.25 hours, by an Equal Opportunity Officer who is paid a fully-loaded <span class=\"match\">wage</span> of $113.51 per hour \n 467 \n \n ($76.03 for a State or local government employee).\n 468 \n \n In States with already existing laws similar to the PWFA, an Equal Opportunity Officer will take an average of 45 minutes for <span class=\"match\">compliance</span> activities. For the Federal Government, which does not have an existing PWFA, it is estimated that <span class=\"match\">compliance</span> activities would take an average"},{"title":"Financial Value Transparency and Gainful Employment (GE), Financial Responsibility, Administrative Capability, Certification Procedures, Ability to Benefit (ATB)","type":"Proposed Rule","abstract":"The Secretary is proposing new regulations to promote transparency, competence, stability, and effective outcomes for students in the provision of postsecondary education. Using the terminology of past regulatory proposals, these regulations seek to make improvements in the areas of gainful employment (GE); financial value transparency; financial responsibility; administrative capability; certification procedures; and Ability to Benefit (ATB).","document_number":"2023-09647","html_url":"https://www.federalregister.gov/documents/2023/05/19/2023-09647/financial-value-transparency-and-gainful-employment-ge-financial-responsibility-administrative","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-19/pdf/2023-09647.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-09647.pdf?1684413923","publication_date":"2023-05-19","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":"institution is notified of the action. \n \n (viii) For the <span class=\"match\">creditor</span> events described in paragraph (c)(2)(xi) of this section, no later than 10 days after the date on \n \n which the institution is notified of the action by its <span class=\"match\">creditor</span>.\n \n (ix) For the other defaults, delinquencies, or <span class=\"match\">creditor</span> events described in paragraph (d)(2)(i), (ii), (iii), and (iv) of this section, no later than 10 days after the event occurs, with an update no later than 10 days after the <span class=\"match\">creditor</span> <span class=\"match\">waives</span> the violation, or the <span class=\"match\">creditor</span> imposes sanctions or penalties, including sanctions"},{"title":"Credit Assistance and Related Fees for Water Resources Infrastructure Projects","type":"Rule","abstract":"This final rule implements a new credit assistance program administered by the U.S. Army Corps of Engineers (Corps). Consistent with the funding provided under Subtitle C of Title V of the Water Resources Reform and Development Act of 2014 (WRRDA), often referred to as the Water Infrastructure Finance and Innovation Act of 2014 (WIFIA), credit assistance is available for safety projects to maintain, upgrade, and repair dams identified in the National Inventory of Dams with a primary owner type of state, local government, public utility, or private. This final rule establishes the process by which the Corps will administer such credit assistance, including the assessment of fees, and also sets forth the policies and procedures that the Corps will use for receiving, evaluating, approving applications, and servicing and monitoring direct loans and loan guarantees.","document_number":"2023-10520","html_url":"https://www.federalregister.gov/documents/2023/05/22/2023-10520/credit-assistance-and-related-fees-for-water-resources-infrastructure-projects","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-22/pdf/2023-10520.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-10520.pdf?1684500316","publication_date":"2023-05-22","agencies":[{"raw_name":"DEPARTMENT OF DEFENSE","name":"Defense Department","id":103,"url":"https://www.federalregister.gov/agencies/defense-department","json_url":"https://www.federalregister.gov/api/v1/agencies/103","parent_id":null,"slug":"defense-department"},{"raw_name":"Department of the Army, U.S. Army Corps of Engineers","name":"Engineers Corps","id":142,"url":"https://www.federalregister.gov/agencies/engineers-corps","json_url":"https://www.federalregister.gov/api/v1/agencies/142","parent_id":103,"slug":"engineers-corps"}],"excerpts":"as bank loans, bonds, or a WIFIA credit assistance to fund an eligible project, will incur <span class=\"match\">compliance</span> costs associated with any such debt instrument. As such, the <span class=\"match\">compliance</span> costs to obtain a WIFIA credit assistance noted below in most instances represents a meaningful savings compared to alternative capital market debt financing options. WIFIA <span class=\"match\">compliance</span> costs likely include the following: \n \n • \n Fees: \n The WIFIA application fee of $25,000 will be <span class=\"match\">waived</span> for small and/or disadvantaged communities. All WIFIA credit assistance recipients will be"},{"title":"Notice of Funding Opportunity for the Empowering Rural America (New ERA) Program","type":"Notice","abstract":"The Rural Utilities Service (RUS or the Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), is soliciting Letters of Interest (LOI) for applications under the Empowering Rural America (New ERA) Program. In addition, the Agency is announcing the eligibility requirements, application process and deadlines, and the criteria that will be used by RUS to assess New ERA Applications. The New ERA Program provides RUS with $9.7 billion in appropriated loan and grant funds under the Inflation Reduction Act (IRA) of 2022. In keeping with the statutory authority for the program, RUS will utilize the New ERA funds to assist Eligible Entities to achieve the greatest reduction in Greenhouse Gas (GHG) emissions while advancing the long-term resiliency, reliability, and affordability of rural electric systems. All Eligible Entities are responsible for any expenses incurred in developing their LOIs and New ERA Applications.","document_number":"2023-10392","html_url":"https://www.federalregister.gov/documents/2023/05/16/2023-10392/notice-of-funding-opportunity-for-the-empowering-rural-america-new-era-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-16/pdf/2023-10392.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-10392.pdf?1684154722","publication_date":"2023-05-16","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"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"}],"excerpts":"loan is repaid in full. With respect to advances that only contain grant funds, the audit is required until all grant funds have been advanced or rescinded and all financial <span class=\"match\">compliance</span> requirements have been fully satisfied. While an audit is required, Awardees must also submit a report on <span class=\"match\">compliance</span> and internal controls over financial reporting, as well as a report on <span class=\"match\">compliance</span> with aspects of contractual agreements and regulatory requirements. \n \n xiii. \n Monitoring. \n Awardees must comply with all reasonable RUS requests to support ongoing monitoring"},{"title":"Retirement Security Rule: Definition of an Investment Advice Fiduciary","type":"Rule","abstract":"The Department of Labor (Department) is adopting a final rule defining when a person renders \"investment advice for a fee or other compensation, direct or indirect\" with respect to any moneys or other property of an employee benefit plan, for purposes of the definition of a \"fiduciary\" in the Employee Retirement Income Security Act of 1974 (Title I of ERISA or the Act). The final rule also applies for purposes of Title II of ERISA to the definition of a fiduciary of a plan defined in Internal Revenue Code (Code), including an individual retirement account or other plan identified in the Code. The Department also is publishing elsewhere in this issue of the Federal Register amendments to Prohibited Transaction Exemption 2020-02 (Improving Investment Advice for Workers & Retirees) and to several other existing administrative exemptions from the prohibited transaction rules applicable to fiduciaries under Title I and Title II of ERISA.","document_number":"2024-08065","html_url":"https://www.federalregister.gov/documents/2024/04/25/2024-08065/retirement-security-rule-definition-of-an-investment-advice-fiduciary","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-25/pdf/2024-08065.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08065.pdf?1713962724","publication_date":"2024-04-25","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":"Relationship Summary; Amendments to Form ADV, 84 FR 33492 (July 12, 2019).\n \n \n \n \n 206 \n  Regulation Best Interest release, 84 FR 33318, 33327,33330 (July 12, 2019) (noting, among other things, that a “broker-dealer will not be able to <span class=\"match\">waive</span> <span class=\"match\">compliance</span> with Regulation Best Interest, nor can a retail customer agree to <span class=\"match\">waive</span> her protections under Regulation Best Interest”); SEC Investment Adviser Interpretation, 84 FR 33669, 33672 (July 12, 2019).\n \n \n In other contexts, however, firms and financial professionals may rely on disclaimers to a greater degree"},{"title":"Regulations To Implement the Pregnant Workers Fairness Act","type":"Proposed Rule","abstract":"The Equal Employment Opportunity Commission is issuing a proposed rule to implement the Pregnant Workers Fairness Act, which requires a covered entity to provide reasonable accommodations to a qualified employee's or applicant's known limitation related to, affected by, or arising out of pregnancy, childbirth, or related medical conditions, unless the accommodation will cause an undue hardship on the operation of the business of the covered entity.","document_number":"2023-17041","html_url":"https://www.federalregister.gov/documents/2023/08/11/2023-17041/regulations-to-implement-the-pregnant-workers-fairness-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-08-11/pdf/2023-17041.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-17041.pdf?1691421317","publication_date":"2023-08-11","agencies":[{"raw_name":"EQUAL EMPLOYMENT OPPORTUNITY COMMISSION","name":"Equal Employment Opportunity Commission","id":147,"url":"https://www.federalregister.gov/agencies/equal-employment-opportunity-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/147","parent_id":null,"slug":"equal-employment-opportunity-commission"}],"excerpts":"laws substantially similar to the PWFA, <span class=\"match\">compliance</span> activities for a covered entity would take an average of 90 minutes by an Equal Opportunity Officer who is paid a fully loaded <span class=\"match\">wage</span> of $113.51 per hour \n 304 \n \n ($68.57 for a State or local government worker).\n 305 \n \n In States with already existing laws similar to the PWFA, an Equal Opportunity Officer will take an average of 30 minutes for <span class=\"match\">compliance</span> activities. For the Federal Government, which does not have an existing PWFA, it is estimated that <span class=\"match\">compliance</span> activities would take an average of ninety"},{"title":"Disadvantaged Business Enterprise and Airport Concession Disadvantaged Business Enterprise Program Implementation Modifications","type":"Rule","abstract":"The U.S. Department of Transportation (DOT or Department) is amending its Disadvantaged Business Enterprise (DBE) and Airport Concession Disadvantaged Business Enterprise (ACDBE) program regulations. The DBE and ACDBE programs are designed to allow small businesses owned and controlled by socially and economically disadvantaged individuals to compete fairly for DOT funded contracts let by State and local transportation agencies and in airport concession opportunities. The final rule improves program implementation in major areas, including by updating the personal net worth and program size thresholds for inflation; modernizing rules for counting of material suppliers; incorporating procedural flexibilities enacted during the coronavirus (COVID-19) pandemic; adding elements to foster greater usage of DBEs and ACDBEs with concurrent, proactive monitoring and oversight; updating certification provisions with less prescriptive rules that give certifiers flexibility when determining eligibility; revising the interstate certification process to provide for reciprocity among certifiers; and making technical corrections to commonly misinterpreted rules.","document_number":"2024-05583","html_url":"https://www.federalregister.gov/documents/2024/04/09/2024-05583/disadvantaged-business-enterprise-and-airport-concession-disadvantaged-business-enterprise-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-09/pdf/2024-05583.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-05583.pdf?1712580314","publication_date":"2024-04-09","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"document sufficient good faith efforts to meet the goal. Either route results in <span class=\"match\">compliance</span> with the requirements of the rule. The second route is not a “waiver” of the requirements of the regulation. This is simply an alternative method of <span class=\"match\">compliance</span>, one necessary to avoid the DBE program becoming a quota-based program that would not be narrowly tailored, as is legally required. \n We believe that the running tally requirement is an important element of the <span class=\"match\">compliance</span> monitoring that all recipients are responsible for completing. It ensures that"}]}