{"description":"Documents matching 'does support instant transfers funds will compliance'","count":698,"total_pages":35,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=does+support+instant+transfers+funds+will+compliance&format=json&page=2","results":[{"title":"Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through the Fedwire Funds Service and the FedNow Service; Regulation J","type":"Proposed Rule","abstract":"The Board is proposing amendments to subpart C of Regulation J (governing the FedNow[supreg] Service) to permit FedNow participants to use intermediaries, other than Reserve Banks, to send funds transfers through the FedNow Service. The Board believes this change could support private-sector cross-border payment solutions by allowing FedNow participants to leverage an intermediary (for example, a correspondent bank) for the international portion of a cross-border transaction and use the FedNow Service for the U.S. domestic portion.","document_number":"2026-06996","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06996/collection-of-checks-and-other-items-by-federal-reserve-banks-and-funds-transfers-through-the","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06996.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06996.pdf?1775738719","publication_date":"2026-04-10","agencies":[{"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"}],"excerpts":"\n On July 20, 2023, the Reserve Banks launched the FedNow Service.\n 1 \n \n The FedNow Service is an interbank real-time gross settlement service that <span class=\"match\">supports</span> <span class=\"match\">instant</span> payments in the United States 24x7x365. Currently, under Regulation J, FedNow participants may not use intermediaries, other than the Reserve Banks, for a <span class=\"match\">funds</span> <span class=\"match\">transfer</span> sent through the FedNow Service. This means that a <span class=\"match\">funds</span> <span class=\"match\">transfer</span> sent through the FedNow Service can include only two U.S. banks other than a Reserve Bank. Practically, this has meant that the service can be used only"},{"title":"Federal Reserve Action To Expand Fedwirer® Funds Service and National Settlement Service Operating Hours","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is announcing that the Federal Reserve Banks (Reserve Banks) will expand the operating hours for the Fedwirer Funds Service to 22 hours per day, 6 days per week, operating Sunday through Friday, including weekday holidays (22x6).\\1\\ The Board is also announcing a corresponding expansion of the National Settlement Service's (NSS) operating hours to 21.5 hours per day, 6 days per week, operating Sunday through Friday, including weekday holidays, with NSS closing 30 minutes earlier than the Fedwire Funds Service. The Board expects the Reserve Banks to implement this expansion in 2028 or 2029 to ensure technological, operational, and industry readiness. The decision to expand operating hours is intended to support a wide range of payment activities, as well as the U.S. dollar's key role in global commerce and the international financial system. Further, the planned expansion to 22x6 operating hours will serve as an interim step and provide the necessary foundational capability for the Reserve Banks to expand operating hours up to 22x7x365 in the future. The Board will monitor industry demand and will stand ready to offer an additional expansion up to 22x7x365 no sooner than two years after the Reserve Banks implement 22x6 operations. If the Board does propose to expand operating hours beyond 22x6, it will seek public comment in a separate proposal. ---------------------------------------------------------------------------","document_number":"2025-19942","html_url":"https://www.federalregister.gov/documents/2025/11/17/2025-19942/federal-reserve-action-to-expand-fedwirer-funds-service-and-national-settlement-service-operating","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19942.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19942.pdf?1763127913","publication_date":"2025-11-17","agencies":[{"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"}],"excerpts":"large-value and <span class=\"match\">instant</span> payment services expressed <span class=\"match\">support</span> for expanding the operating hours of the Fedwire <span class=\"match\">Funds</span> Service, noting that the expansion would enable more efficient funding of the operator's <span class=\"match\">instant</span> payment service and could facilitate a potential future expansion of the operator's large-value payment service to weekends and holidays. \n 2. Board Analysis \n In response to comments that existing <span class=\"match\">instant</span> payment systems negate the need for expanding Fedwire <span class=\"match\">Funds</span> Service operating hours in particular, the Board notes that the Fedwire <span class=\"match\">Funds</span> Service"},{"title":"Request for Information on Potential Actions To Address Payments Fraud","type":"Notice","abstract":"The Office of the Comptroller of the Currency (OCC), Treasury; the Board of Governors of the Federal Reserve System (Board); and the Federal Deposit Insurance Corporation (FDIC) seek public input on questions related to payments fraud. This request for information (RFI) offers the opportunity for interested stakeholders to identify ways that the OCC, the Federal Reserve System (FRS), and the FDIC could take actions collectively or independently in their varying respective roles to help consumers, businesses, and financial institutions mitigate check, automated clearing house (ACH), wire, and instant payments fraud.","document_number":"2025-11280","html_url":"https://www.federalregister.gov/documents/2025/06/20/2025-11280/request-for-information-on-potential-actions-to-address-payments-fraud","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-20/pdf/2025-11280.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-11280.pdf?1750250710","publication_date":"2025-06-20","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":" \n 14. Regulation CC seeks to balance prompt <span class=\"match\">funds</span> availability with the risk of checks being returned unpaid for reasons that include fraud. What potential amendments to Regulation CC would <span class=\"match\">support</span> timely access to <span class=\"match\">funds</span> from check deposits while providing depository institutions with sufficient time to identify suspected payments fraud?\n \n \n \n (a) Have technological advancements in check processing reduced the time it takes for depository institutions to learn of nonpayment or fraud such that <span class=\"match\">funds</span> availability requirements for local checks and"},{"title":"Application for Relief From Disabilities Imposed by Federal Laws With Respect to the Acquisition, Receipt, Transfer, Shipment, Transportation, or Possession of Firearms","type":"Proposed Rule","abstract":"The Department of Justice (\"the Department\") proposes to implement criteria to guide determinations for granting relief from disabilities imposed by Federal laws with respect to the acquisition, receipt, transfer, shipment, transportation, or possession of firearms. In accordance with certain firearms laws and the Second Amendment of the Constitution, the criteria are designed to ensure the fundamental right of the people to keep and bear arms is not unduly infringed, that those granted relief are not likely to act in a manner dangerous to public safety, and that granting such relief would not be contrary to the public interest.","document_number":"2025-13765","html_url":"https://www.federalregister.gov/documents/2025/07/22/2025-13765/application-for-relief-from-disabilities-imposed-by-federal-laws-with-respect-to-the-acquisition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-22/pdf/2025-13765.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-13765.pdf?1753101916","publication_date":"2025-07-22","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"}],"excerpts":"allocation \n \n FY 2026 cost\n (million) \n \n \n \n 50 FTE personnel at average yearly cost of salary and benefits of $225,000 \n $11.25 \n \n \n Technology and Case Management Startup costs \n 6.5 \n \n \n Technology Maintenance and <span class=\"match\">Support</span> \n .75 \n \n \n Operational Costs including rent and operational <span class=\"match\">support</span> \n 1.5 \n \n \n Contracting and short-term <span class=\"match\">support</span> \n 1 \n \n \n Total \n 20 \n \n \n At a total cost of $20 Million and with anticipated yield of 1 million applications, the Department would estimate a $20 per application cost to fully self-sustain the first year of the program's"},{"title":"Imposition of Special Measure Prohibiting the Transmittal of Funds Involving PM2BTC","type":"Rule","abstract":"FinCEN is issuing notice of an order, pursuant to the Combating Russian Money Laundering Act, as amended by the National Defense Authorization Act for Fiscal Year 2022, to prohibit certain transmittals of funds by any covered financial institution involving PM2BTC, a financial institution operating outside of the United States determined to be of a primary money laundering concern in connection with Russian illicit finance.","document_number":"2024-23430","html_url":"https://www.federalregister.gov/documents/2024/10/11/2024-23430/imposition-of-special-measure-prohibiting-the-transmittal-of-funds-involving-pm2btc","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-11/pdf/2024-23430.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-23430.pdf?1728564323","publication_date":"2024-10-11","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":"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":"analysis conducted using commercially available blockchain analysis software A, FinCEN has determined that, as a percentage of all <span class=\"match\">funds</span> transacted before July 2023, the cumulative value of suspected illicit <span class=\"match\">funds</span> accounted for up to 43.1 percent of all CVC received by PM2BTC. Those <span class=\"match\">funds</span> were associated with suspected illicit activities that include, in order of cumulative value, fraud schemes, <span class=\"match\">transfers</span> of stolen <span class=\"match\">funds</span>, sanctions evasion, terrorist financing, ransomware payments, and child abuse materials transactions. Significantly, further analysis"},{"title":"Expansion of Fedwire® Funds Service and National Settlement Service Operating Hours","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is seeking input on a proposal to expand the operating hours of the Fedwire[supreg] Funds Service and the National Settlement Service (NSS). The Board proposes to expand the operating hours of the Fedwire Funds Service to 22 hours per day, 7 days per week, every day of the year (22x7x365) and to correspondingly expand the operating hours of NSS, with NSS closing 30 minutes earlier than the Fedwire Funds Service. At this time, the Board is not considering expanding operating hours for the Fedwire Securities Service. The Board requests comments on the potential benefits, risks, and implementation considerations of the proposal.","document_number":"2024-10117","html_url":"https://www.federalregister.gov/documents/2024/05/09/2024-10117/expansion-of-fedwire-funds-service-and-national-settlement-service-operating-hours","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-09/pdf/2024-10117.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-10117.pdf?1715172324","publication_date":"2024-05-09","agencies":[{"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"}],"excerpts":" Currently, the FedNow Service provides liquidity management <span class=\"match\">transfer</span> capability for FedNow participants and participants in a private-sector <span class=\"match\">instant</span> payment service to <span class=\"match\">transfer</span> <span class=\"match\">funds</span> to <span class=\"match\">support</span> <span class=\"match\">instant</span> payment liquidity needs during certain hours including when the Fedwire <span class=\"match\">Funds</span> Service is closed. While the hours of liquidity management <span class=\"match\">transfers</span> in FedNow might be adjusted if Fedwire <span class=\"match\">Funds</span> Service hours are expanded, <span class=\"match\">transfers</span> would remain available during the two-hour Fedwire <span class=\"match\">Funds</span> Service closure.\n \n \n \n \n 21 \n  \n See the Committee on Payments"},{"title":"Promoting Fair and Open Competitive Bidding in the E-Rate Program; Schools and Libraries Universal Service Support Mechanism","type":"Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) takes action to reinforce the success and integrity of the E-Rate program by establishing a competitive bidding portal and document repository to strengthen the E-Rate program's competitive bidding rules as well as other actions to simplify and streamline program processes and procedures for E-Rate participants. In addition, the Commission adopts changes to streamline and simplify the E-Rate program while maintaining the integrity of the program and grant an Order on Reconsideration. These actions will provide greater transparency into the applicants' competitive bidding and bid evaluation and selection processes, and protect the program against waste, fraud, and abuse.","document_number":"2026-10011","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10011/promoting-fair-and-open-competitive-bidding-in-the-e-rate-program-schools-and-libraries-universal","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10011.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10011.pdf?1779108315","publication_date":"2026-05-19","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"Form 471. Commenters <span class=\"match\">support</span> this <span class=\"match\">transfer</span>. We <span class=\"match\">do</span> not expect applicants to have significant challenges with making this annual certification of <span class=\"match\">compliance</span> earlier in the calendar year. \n In order to move the CIPA certification, beginning in funding year 2028, consortia applicants will need to collect the annual FCC Form 479, the Certification by Administrative Authority to Billed Entity of <span class=\"match\">Compliance</span> with the Children's Internet Protection Act (CIPA) Form, prior to the Billed Entity certifying a consortium's CIPA <span class=\"match\">compliance</span> on the FCC Form 471 application"},{"title":"Management of Federal Agency Disbursements","type":"Proposed Rule","abstract":"Executive Order (E.O.) 14247, Modernizing Payments To and From America's Bank Account, directs the Secretary of the Treasury to cease issuing paper checks for all Federal disbursements to the extent permitted by law and to review and, as appropriate, revise procedures for granting limited exceptions where electronic payment methods are not feasible. In accordance with the E.O., the Department of the Treasury (Treasury), Bureau of the Fiscal Service (\"Fiscal Service\" or \"we\"), is proposing to amend its regulation that sets forth the limited circumstances under which paper check disbursements may be made by federal agencies.","document_number":"2026-08278","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08278/management-of-federal-agency-disbursements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08278.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08278.pdf?1777380311","publication_date":"2026-04-29","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":"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":"“Electronic <span class=\"match\">funds</span> <span class=\"match\">transfer</span>” which provides a non-exhaustive list of the types of electronic <span class=\"match\">funds</span> <span class=\"match\">transfers</span> that are included in the definition for the purpose of highlighting the types of electronic <span class=\"match\">funds</span> <span class=\"match\">transfers</span> that are most germane to the regulation. Accordingly, the revised list of examples would no longer refer to “<span class=\"match\">transfers</span> made at automated teller machines and point-of-sale terminals.” In addition to the current references to Automated Clearing House and Fedwire <span class=\"match\">transfers</span>, we propose to add a reference to <span class=\"match\">transfers</span> made by “<span class=\"match\">instant</span> payment"},{"title":"Firearm Records Retention Periods","type":"Proposed Rule","abstract":"The Bureau of Alcohol, Tobacco, Firearms, and Explosives (\"ATF\") proposes to amend Department of Justice (\"Department\") regulations establishing records retention periods for federal firearms licensees' (\"FFLs\" or \"licensees\") acquisition and disposition (\"A&D\") records, and the retention period for records the National Tracing Center (\"NTC\") receives. Specifically, ATF is proposing these records be retained for a specific period rather than indefinitely, and is considering either 20 or 30 years for the specified period. ATF is also proposing a brief retention period for forms used to facilitate private-party transfers or to conduct voluntary firearm handlers checks.","document_number":"2026-08929","html_url":"https://www.federalregister.gov/documents/2026/05/06/2026-08929/firearm-records-retention-periods","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-06/pdf/2026-08929.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08929.pdf?1777985130","publication_date":"2026-05-06","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"},{"raw_name":"Bureau of Alcohol, Tobacco, Firearms, and Explosives","name":"Alcohol, Tobacco, Firearms, and Explosives Bureau","id":19,"url":"https://www.federalregister.gov/agencies/alcohol-tobacco-firearms-and-explosives-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/19","parent_id":268,"slug":"alcohol-tobacco-firearms-and-explosives-bureau"}],"excerpts":"private-party <span class=\"match\">transfer</span>. Similarly, ATF would be able to clarify that a transaction involving a missing firearm from licensee inventory was incorrectly checked as a private-party <span class=\"match\">transfer</span> on the form and verify that the licensee did indeed complete the required form and background check for that transaction. However, ATF would not inspect these forms as records in their own right (unless they happen to be erroneously marked as private-party <span class=\"match\">transfers</span> when they are not) because they <span class=\"match\">do</span> not involve FFL transactions, and licensees therefore <span class=\"match\">do</span> not need to"},{"title":"Publication of Global Terrorism Sanctions Regulations and Foreign Terrorist Organizations Sanctions Regulations Web General Licenses 22A, 23A, 24A, 25A, 26A, and 28A","type":"Rule","abstract":"The Department of the Treasury's Office of Foreign Assets Control (OFAC) is publishing six general licenses (GLs) issued pursuant to the Global Terrorism Sanctions Regulations and Foreign Terrorist Organizations Sanctions Regulations: GLs 22A, 23A, 24A, 25A, 26A, and 28A.","document_number":"2025-12760","html_url":"https://www.federalregister.gov/documents/2025/07/09/2025-12760/publication-of-global-terrorism-sanctions-regulations-and-foreign-terrorist-organizations-sanctions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-09/pdf/2025-12760.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12760.pdf?1751978716","publication_date":"2025-07-09","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"}],"excerpts":"the <span class=\"match\">transfer</span> of noncommercial, personal remittances to or from an individual in Yemen, are authorized, provided the individual is not a person whose property or interests in property are blocked pursuant to the GTSR or the FTOSR. \n \n Note to paragraph (a). \n Noncommercial, personal remittances <span class=\"match\">do</span> not include charitable donations of <span class=\"match\">funds</span> to or for the benefit of an entity or <span class=\"match\">funds</span> <span class=\"match\">transfers</span> for use in <span class=\"match\">supporting</span> or operating a business, including a family-owned business. \n \n (b) <span class=\"match\">Transferring</span> institutions may rely on the originator of a <span class=\"match\">funds</span> transfer"},{"title":"Form N-PORT and Form N-CEN Reporting; Guidance on Open-End Fund Liquidity Risk Management Programs","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is adopting amendments to reporting requirements on Forms N-PORT and N-CEN that apply to certain registered investment companies, including registered open-end funds, registered closed-end funds, and unit investment trusts. The amendments will require more frequent reporting of monthly portfolio holdings and related information to the Commission and the public, amend certain reporting requirements relating to entity identifiers, and require open-end funds to report information about service providers used to comply with liquidity risk management program requirements. In addition, the Commission is providing guidance related to open-end fund liquidity risk management program requirements.","document_number":"2024-19819","html_url":"https://www.federalregister.gov/documents/2024/09/11/2024-19819/form-n-port-and-form-n-cen-reporting-guidance-on-open-end-fund-liquidity-risk-management-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-11/pdf/2024-19819.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19819.pdf?1725972319","publication_date":"2024-09-11","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":"as of Dec. 31, 2019, for <span class=\"match\">funds</span> with fiscal years ending in Mar., June, Sept., or Dec. (around 51% of the total number of <span class=\"match\">funds</span> and representing approximately 56% of aggregate fund assets); information as of Nov. 30, 2019, for <span class=\"match\">funds</span> with fiscal years ending in Feb., May, Aug., or Nov. (around 20% of the total number of <span class=\"match\">funds</span> and representing approximately 20% of aggregate fund assets); and information as of Oct. 31, 2019, for <span class=\"match\">funds</span> with fiscal years ending in Jan., Apr., July, or Oct. (around 29% of the total number of <span class=\"match\">funds</span> and representing approximately"},{"title":"Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to resolve regulatory uncertainty regarding: (1) the applicability of the definition of credit under Regulation Z, which implements the Truth in Lending Act (TILA), to earned wage access (EWA) products that conform to the description of \"Covered EWA\" provided in part I.C.2 of this advisory opinion; and (2) the applicability of the definition of finance charge under Regulation Z to certain EWA-related charges (expedited delivery fees, tips) to the extent any EWA products meet the Regulation Z definition of credit. The CFPB is also withdrawing a proposed interpretive rule.","document_number":"2025-23735","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23735/truth-in-lending-regulation-z-non-application-to-earned-wage-access-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23735.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23735.pdf?1766411120","publication_date":"2025-12-23","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":"accrued earnings <span class=\"match\">does</span> not change the nature of the transaction. \n \n Third, while the 2025 Rescission did not dispute that Covered EWA lacks certain significant indicia that are common in credit transactions (such as underwriting, debt collection, recourse, credit reporting, and so on), it asserted that the 2020 AO failed to consider EWA features “commonly found in credit transactions, including a consumer's receipt of <span class=\"match\">funds</span>, consumer repayment of those <span class=\"match\">funds</span>, and the wage garnishment tool used to effectuate repayment.” \n 52 \n \n The CFPB <span class=\"match\">does</span> not \n \n believe"},{"title":"Cuban Assets Control Regulations","type":"Rule","abstract":"The Department of the Treasury's Office of Foreign Assets Control (OFAC) is amending the Cuban Assets Control Regulations (the \"Regulations\") to further implement elements of the policy announced by the Administration on May 16, 2022, to increase support for the Cuban people. Among other things, these amendments increase support for internet freedom for the Cuban people and independent Cuban private sector entrepreneurs by expanding authorizations for internet-based services and a range of financial transactions. These amendments also include several additional or updated cross references and one updated definition.","document_number":"2024-11618","html_url":"https://www.federalregister.gov/documents/2024/05/29/2024-11618/cuban-assets-control-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-29/pdf/2024-11618.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-11618.pdf?1716900314","publication_date":"2024-05-29","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"}],"excerpts":"This amendment allows any banking institution, as defined in § 515.314, that is a person subject to U.S. jurisdiction to process <span class=\"match\">funds</span> <span class=\"match\">transfers</span> in which Cuba or a Cuban national has an interest if the <span class=\"match\">funds</span> <span class=\"match\">transfers</span> originate and terminate outside the United States, provided that neither the originator nor the beneficiary is a person subject to U.S. jurisdiction. Transactions through the U.S. financial system that <span class=\"match\">do</span> not meet these criteria, including all transactions where the originator or beneficiary is a person subject to U.S. jurisdiction"},{"title":"Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is issuing a notice and request for comment on proposed revisions to the Federal Reserve Policy on Payment System Risk (PSR Policy), including the proposed addition of a new Part IV, to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve Banks (Reserve Banks) to utilize in evaluating requests for access to Reserve Bank account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve Banks to pause decisions on requests for Reserve Bank accounts and services from institutions that are Tier 3 under the Account Access Guidelines until the Board has completed its policy development process on the Payment Account proposal.","document_number":"2026-10375","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10375/proposed-revisions-to-the-federal-reserve-policy-on-payment-system-risk-and-the-guidelines-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10375.pdf?1779453911","publication_date":"2026-05-26","agencies":[{"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"}],"excerpts":"transaction limits until a Payment Account holder demonstrates <span class=\"match\">compliance</span> over an extended period. Among the commenters who <span class=\"match\">supported</span> the Federal Reserve relying on the primary federal or state supervisor, many noted that state-chartered institutions are required to maintain BSA/AML <span class=\"match\">compliance</span> programs and argued that the Federal \n \n Reserve should use <span class=\"match\">compliance</span> with these program requirements as evidence of the adequacy of an institution's BSA/AML program to avoid creating duplicative <span class=\"match\">compliance</span> regimes. Some commenters also raised the concern that by"},{"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":"capital. Several industry commenters <span class=\"match\">supported</span> the aims of section 1071 and the proposed rule. An advocacy group <span class=\"match\">supported</span> section 1071 as important to strengthening credit markets and access to credit, and encouraged the Bureau to promulgate a final rule that would <span class=\"match\">support</span> a robust and inclusive credit ecosystem. An independent office of a Federal agency stated that the proposed rule was squarely in line with the Regulatory Flexibility Act and implemented statutory goals without excessive small-entity <span class=\"match\">compliance</span> costs. \n One advocacy group stated"},{"title":"Protecting Our Communications Networks by Promoting Transparency Regarding Foreign Adversary Control","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes to protect the Nation's communications networks against foreign adversary threats by proposing to expand foreign ownership disclosure requirements for covered Commission-issued licenses and authorizations. The proposed certification and information collection requirements would fill gaps in the Commission's existing rules and give the Commission, and the public, a new and comprehensive view of threats from foreign adversaries in the communications sector. Specifically, the Commission proposes to apply new certification and disclosure requirements on entities holding every type of license, permit, or authorization, rather than only certain specific licenses, as the Commission currently does. Furthermore, the Commission proposes to go beyond foreign ownership to also cover all regulated entities controlled by or subject to the jurisdiction or direction of a foreign adversary.","document_number":"2025-11360","html_url":"https://www.federalregister.gov/documents/2025/06/20/2025-11360/protecting-our-communications-networks-by-promoting-transparency-regarding-foreign-adversary-control","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-20/pdf/2025-11360.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-11360.pdf?1750250720","publication_date":"2025-06-20","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":"Federation; and (D) the Islamic Republic of Iran.” This list <span class=\"match\">does</span> not include the Republic of Cuba or the Maduro Regime. What are the benefits and drawbacks of adopting this definition instead of the definition and list provided in 15 CFR 791.2 and 791.4? Should either the definition of “foreign adversary country” or the list of covered countries be amended? We note that this list is limited to countries, and thus <span class=\"match\">does</span> not include natural persons or other types of entities. <span class=\"match\">Do</span> commenters <span class=\"match\">support</span> limiting our list to countries only? Should we adopt some"},{"title":"Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses","type":"Notice","abstract":"Over the past several years, the Office of the Comptroller of the Currency (OCC), Treasury; the Board of Governors of the Federal Reserve System (Board); and the Federal Deposit Insurance Corporation (FDIC) (collectively, \"the agencies\" or \"agency\" when referencing the singular) have observed and reviewed arrangements between banks and financial technology (fintech) companies. The agencies support responsible innovation and banks pursuing bank-fintech arrangements in a manner consistent with safe and sound banking practices, and with applicable laws and regulations, including consumer protection requirements and those addressing financial crimes. Bank-fintech arrangements can provide benefits; however, supervisory experience has highlighted a range of potential risks with these bank-fintech arrangements. This request solicits input on the nature of bank-fintech arrangements, effective risk management practices regarding bank- fintech arrangements, and the implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements.","document_number":"2024-16838","html_url":"https://www.federalregister.gov/documents/2024/07/31/2024-16838/request-for-information-on-bank-fintech-arrangements-involving-banking-products-and-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-31/pdf/2024-16838.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16838.pdf?1722343529","publication_date":"2024-07-31","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"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":"store prepaid <span class=\"match\">funds</span> and <span class=\"match\">transfer</span> such <span class=\"match\">funds</span> to others. A fintech company may also \n \n enter into a bank-fintech arrangement to offer ACH transactions, wire <span class=\"match\">transfers</span>, or settlement of payment services to end users. For example, a fintech company may enter into an arrangement with a bank to offer ACH services to its end users, such as sending or receiving <span class=\"match\">funds</span> via ACH <span class=\"match\">transfers</span>, which may take place through a bank sponsorship arrangement. Additionally, operators of digital platforms permitting the transmittal and exchange of <span class=\"match\">funds</span> between and among"},{"title":"Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) issues this rule to define larger participants of a market for general-use digital consumer payment applications. Larger participants of this market will be subject to the CFPB's supervisory authority under the Consumer Financial Protection Act (CFPA). A nonbank covered person qualifies as a larger participant if it facilitates an annual covered consumer payment transaction volume of at least 50 million transactions as defined in the rule, and it is not a small business concern.","document_number":"2024-27836","html_url":"https://www.federalregister.gov/documents/2024/12/10/2024-27836/defining-larger-participants-of-a-market-for-general-use-digital-consumer-payment-applications","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-27836.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27836.pdf?1733751918","publication_date":"2024-12-10","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Rule did not adequately assess the degree of existing <span class=\"match\">compliance</span> or otherwise explain how it would promote <span class=\"match\">compliance</span>. For example, one commenter criticized the statement in the proposal that CFPB supervision would incentivize <span class=\"match\">compliance</span> as circular, given what it viewed as inadequate discussion in the Proposed Rule of the level of existing non-<span class=\"match\">compliance</span> or risks of non-<span class=\"match\">compliance</span>.\n 63 \n \n In addition, several industry comments suggested that EFTA/Regulation E, GLBA/Regulation P, or both <span class=\"match\">do</span> not apply to certain market participants, which they viewed"},{"title":"Fees for Instantaneously Declined Transactions","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit covered financial institutions from charging fees, such as nonsufficient funds fees, when consumers initiate payment transactions that are instantaneously declined. Charging such fees would constitute an abusive practice under the Consumer Financial Protection Act's prohibition on unfair, deceptive, or abusive acts or practices.","document_number":"2024-01688","html_url":"https://www.federalregister.gov/documents/2024/01/31/2024-01688/fees-for-instantaneously-declined-transactions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-31/pdf/2024-01688.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-01688.pdf?1706622313","publication_date":"2024-01-31","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":"debit, pay, or <span class=\"match\">transfer</span> <span class=\"match\">funds</span> from their account that is declined instantaneously or near-instantaneously by a covered financial institution due to insufficient <span class=\"match\">funds</span>.\n \n \n (d) \n Insufficient <span class=\"match\">funds</span> \n refers to the status of an account that <span class=\"match\">does</span> not have \n \n enough money to cover a withdrawal, debit, payment, or <span class=\"match\">transfer</span> transaction.\n \n \n (e) \n Nonsufficient <span class=\"match\">funds</span> fee \n or \n NSF fee \n means a charge that is assessed by a covered financial institution for declining an attempt by a consumer to withdraw, debit, pay, or <span class=\"match\">transfer</span> <span class=\"match\">funds</span> from their account"},{"title":"Iranian Transactions and Sanctions Regulations","type":"Rule","abstract":"The Department of the Treasury's Office of Foreign Assets Control (OFAC) is adopting a final rule amending the Iranian Transactions and Sanctions Regulations (ITSR) to incorporate a general license that was previously published on OFAC's website. In particular, the rule incorporates, with amendments, a general license relating to the export, reexport, and provision of certain services, software, and hardware incident to communications over the internet. This amendment also makes additional conforming changes.","document_number":"2024-10721","html_url":"https://www.federalregister.gov/documents/2024/05/17/2024-10721/iranian-transactions-and-sanctions-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-17/pdf/2024-10721.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-10721.pdf?1715863516","publication_date":"2024-05-17","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"}],"excerpts":"540(c)(1), which provides that U.S. depository institutions and U.S. registered brokers or dealers in securities may process <span class=\"match\">transfers</span> of <span class=\"match\">funds</span> in furtherance of an underlying transaction authorized by § 560.540(a), provided the <span class=\"match\">transfer</span> <span class=\"match\">does</span> not involve debiting or crediting an Iranian account. U.S. depository institutions and U.S. registered brokers or dealers in securities may also continue to process <span class=\"match\">transfers</span> of <span class=\"match\">funds</span> that are ordinarily incident and necessary to authorized transactions pursuant to § 560.516. \n \n OFAC is also adding a new § 560"}]}