{"description":"Documents matching 'effectively consumer business concerns when'","count":10000,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=effectively+consumer+business+concerns+when&format=json&page=2","results":[{"title":"Defining Larger Participants of the Consumer Debt Collection Market","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking information to assist it in considering whether to propose a rule to amend the test to define larger participants in the consumer debt collection market established by the Bureau's Defining Larger Participants of the Consumer Debt Collection Market Final Rule published on October 31, 2012 (Consumer Debt Collection Larger Participant Rule).","document_number":"2025-15091","html_url":"https://www.federalregister.gov/documents/2025/08/08/2025-15091/defining-larger-participants-of-the-consumer-debt-collection-market","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15091.pdf?1754570762","publication_date":"2025-08-08","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"justify a threshold of $10 million have changed in the intervening years. In 2013, the Small Business Administration (SBA) classified a debt collection agency as a small business concern if its annual receipts were less than $7 million. Thus, when the Bureau established the threshold of $10 million to define larger participants, it was choosing a definition that would exclude small business concerns and as well as smaller entities that are not small business concerns.\n 12 \n \n However, the SBA size standard for collections agencies has increased over time"},{"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":"digital consumer payment applications (Proposed Rule).\n 16 \n \n As described in part V below, the Proposed Rule would have defined a larger participant as any nonbank covered person that, in the previous calendar year, both facilitated at least five million consumer payment transactions by providing general-use digital consumer payment applications and was not a small business concern as defined in the Proposed Rule. The CFPB requested comment on the Proposed Rule. The CFPB received 59 comments from consumer advocate organizations (consumer groups)"},{"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":"agricultural credit, that agricultural businesses are included in section 1071's statutory definition of small business (defined by cross-reference to the Small Business Act), \n \n and that there have been instances of discrimination in agricultural lending. It rejected comments asserting that agricultural credit is unique and not comparable to other types of small business lending, instead observing that “every small business industry has its own unique characteristics.” \n 31 \n \n In response to commenters' concerns about the impact on local community"},{"title":"Improving Customer Service and Protecting Consumers Through Onshoring","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes actions that would encourage and facilitate the onshoring of foreign call centers. Specifically, the Commission proposes rules and otherwise explore ways to improve customer service communications and better protect consumers' sensitive personal information by limiting use of foreign call centers and by improving standards applicable to a company's remaining foreign call center operations. It also seeks comment on extending these protections to modes of customer service communications other than calls, such as emails, texts, and on-line chats, and on ideas to deter scam and other unlawful calls made to the United States from foreign countries. Finally, it explore steps we can take to financially deter unlawful foreign-originated calls, such as bond requirements. The Commission proposes to apply these requirements to providers of telecommunications services, CMRS, interconnected VoIP service, cable television service, and DBS services, or affiliates of such providers. It also proposes to apply these requirements to the use of foreign call centers for consumer communications relating to internet access service offered by any of the foregoing providers or their affiliates and seeks comment on whether it should extend some or all of the proposed rules to providers of other types of services.","document_number":"2026-07960","html_url":"https://www.federalregister.gov/documents/2026/04/23/2026-07960/improving-customer-service-and-protecting-consumers-through-onshoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-23/pdf/2026-07960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07960.pdf?1776861922","publication_date":"2026-04-23","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":"“small business,” “small organization,” and “small governmental jurisdiction.” In addition, the term “small business” has the same meaning as the term “small business concern” under the Small Business Act (SBA). A “small business concern” is one which: (1) is independently owned and operated; (2) is not dominant in its field of operation; and (3) satisfies any additional criteria established by the SBA. The SBA establishes small business size standards that agencies are required to use when promulgating regulations relating to small businesses; agencies"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing 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 reconsidering 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 CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","document_number":"2025-19865","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","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":" 44 \n “Smaller business” loans are a subset of “small business” loans as defined by CRA regulations before the 2024 amendments. “Small business” loans are those with a loan amount of $1 million or less to a business of any size under CRA regulations. 12 CFR 25.12(v) (“small business loan means a loan included in `loans to small businesses' as defined in the instructions for preparation of the Consolidated Report of Condition and Income”); Fed. Fin. Insts. Examination Council, \n Schedule RC-C, Part II. Loans to Small Businesses and Small Farms General"},{"title":"Agency Information Collection Activities; Revision of a New Information Collection Request: National Consumer Complaint Database","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995, FMCSA announces its plan to submit the Information Collection Request (ICR) described below to the Office of Management and Budget (OMB) for review and approval. This revision is for the National Consumer Complaint Database (NCCDB), which is an online interface allowing consumers, drivers, and others to file complaints against unsafe and unscrupulous companies and/or their employees, including shippers, receivers, and transportation intermediaries, depending on the type of complaint. These complaints cover a wide range of issues, including but not limited to driver harassment, coercion, movement of household goods, financial responsibility instruments for brokers and freight forwarders, Americans with Disability Act compliance, electronic logging devices, entry-level driver training, Medical Review Officers, and Substance Abuse Professionals (SAPs). FMCSA requests approval to revise the ICR titled \"National Consumer Complaint Database.\" Four comments were received in response to the 60-day Federal Register notice.","document_number":"2025-10310","html_url":"https://www.federalregister.gov/documents/2025/06/06/2025-10310/agency-information-collection-activities-revision-of-a-new-information-collection-request-national","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-06/pdf/2025-10310.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-10310.pdf?1749127515","publication_date":"2025-06-06","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":"Federal Motor Carrier Safety Administration","name":"Federal Motor Carrier Safety Administration","id":181,"url":"https://www.federalregister.gov/agencies/federal-motor-carrier-safety-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/181","parent_id":492,"slug":"federal-motor-carrier-safety-administration"}],"excerpts":"resources to assist consumers, drivers, and others associated with the motor carrier industry with understanding their consumer protection rights and, if necessary, with filing a complaint with the Agency. When effectively applied, this information can contribute to safer motor carrier operations on our nation's highways and improved consumer protection. NCCDB complaint data also provides FMCSA with statistical information regarding motor carriers, in particular the household goods moving industry. NCCDB data is used to alert consumers of those motor"},{"title":"Implications of Artificial Intelligence Technologies on Protecting Consumers From Unwanted Robocalls and Robotexts","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) proposes steps to protect consumers from the abuse of Artificial Intelligence (AI) in robocalls alongside actions that clear the path for positive uses of AI, including its use to improve access to the telephone network for people with disabilities. Specifically, the document proposes to: define AI-generated calls, adopt new rules that would require callers disclose to consumers when they receive an AI-generated call, adopt protections for consumers to ensure that callers adequately apprise them of their use of AI- generated calls when consumers affirmatively consent to receive such calls, adopt protections to ensure that positive uses of AI that have already helped people with disabilities use the telephone network can thrive without threat of Telephone Consumer Protection Act (TCPA) liability. The document also seeks additional comment and information on developing technologies that can alert consumers to unwanted or illegal calls and texts, including AI-generated calls.","document_number":"2024-19028","html_url":"https://www.federalregister.gov/documents/2024/09/10/2024-19028/implications-of-artificial-intelligence-technologies-on-protecting-consumers-from-unwanted-robocalls","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-10/pdf/2024-19028.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19028.pdf?1725885915","publication_date":"2024-09-10","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":"term “small entity” as having the same meaning as the terms “small business,” “small organization,” and “small governmental jurisdiction.” In addition, the term “small business” has the same meaning as the term “small business concern” under the Small Business Act. A “small business concern” is one which: (1) is independently owned and operated; (2) is not dominant in its field of operation; and (3) satisfies any additional criteria established by the SBA. \n \n 45. \n Small Businesses, Small Organizations, Small Governmental Jurisdictions. \n The Commission's"},{"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":"Comments@fdic.gov. \n Include “Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and \n \n Businesses/RIN 3064-ZA43” in the subject line of the message.\n \n \n • \n Mail: \n James P. Sheesley, Assistant Executive Secretary, Attention: Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses—RIN 3064-ZA43, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429.\n \n \n • \n Hand Delivery: \n Comments"},{"title":"Agency Information Collection Activities; Proposed OMB Generic Clearance; Comment Request; Generic Clearance for Information Collection Using Voluntary Surveys for Studies Conducted by the Federal Trade Commission Bureau of Economics To Support the FTC's Missions To Protect Consumers and Competition","type":"Notice","abstract":"The Federal Trade Commission (FTC) is seeking public comment on the proposed generic clearance for information collection using voluntary surveys titled, \"Generic Clearance for Information Collection Using Voluntary Surveys for Studies Conducted by the Federal Trade Commission Bureau of Economics to Support the FTC's Missions to Protect Consumers and Competition.\" The proposed information collection requirements described below are being submitted to the Office of Management and Budget (\"OMB\") for review, as required by the Paperwork Reduction Act.","document_number":"2026-12502","html_url":"https://www.federalregister.gov/documents/2026/06/22/2026-12502/agency-information-collection-activities-proposed-omb-generic-clearance-comment-request-generic","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-22/pdf/2026-12502.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12502.pdf?1781786727","publication_date":"2026-06-22","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"Rather, the FTC's Bureau of Economics will use such studies to test communications and social and behavioral methods about consumer behavior and beliefs in ways that increase our understanding of the economic effects of regulation as well as ways in which business practices may be currently, or have the potential to be, inflicting harm on consumers. As one example, the FTC intends to use this PRA to survey American consumers about their experiences of fraud in the marketplace.\n \n \n Burden statement: \n Annually, the FTC projects about 10 social and"},{"title":"Standards for Business Practices of Interstate Natural Gas Pipelines","type":"Rule","abstract":"The Federal Energy Regulatory Commission amends its regulations to incorporate by reference, as mandatory enforceable requirements, revisions to three of the Version 4.0 Standards for Business Practices of Interstate Natural Gas Pipelines adopted by the Wholesale Gas Quadrant (WGQ) of the North American Energy Standards Board (NAESB). These revisions are designed to streamline the process for accessing publicly available gas-electric coordination data during extreme cold weather or emergency events.","document_number":"2026-10600","html_url":"https://www.federalregister.gov/documents/2026/05/28/2026-10600/standards-for-business-practices-of-interstate-natural-gas-pipelines","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-28/pdf/2026-10600.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10600.pdf?1779885915","publication_date":"2026-05-28","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":"Electric Quadrant (WEQ), and Retail Market Quadrant (RMQ) Business Practices Subcommittees to review and modify the NAESB Gas/Electric Coordination Business Practice Standards, and any corresponding standards, to improve communications among gas and electric market participants and enhance situational awareness during extreme weather events without endangering sensitive commercial information. The Joint WGQ, WEQ, and RMQ Business Practices Subcommittees recommended proposing new and revised WGQ Business Practice Standards, which the NAESB WGQ Executive"},{"title":"Price Cap Business Data Services; Regulation of Business Data Services for Rate-of-Return Local Exchange Carriers","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) seeks comment on its proposed rules to eliminate rate regulation and tariffing obligations for business data services provided by incumbent local exchange carriers in light of technological and marketplace changes and recent Executive Orders and Commission initiatives. The Commission alternatively seeks comment on updates to its regulatory framework and competitive market tests to better align with current market conditions based on current data.","document_number":"2025-16981","html_url":"https://www.federalregister.gov/documents/2025/09/04/2025-16981/price-cap-business-data-services-regulation-of-business-data-services-for-rate-of-return-local","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-04/pdf/2025-16981.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16981.pdf?1756903514","publication_date":"2025-09-04","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":"entities that are not easily categorized at present. We therefore describe three broad groups of small entities that could be directly affected by our actions. In general, a small business is an independent business having fewer than 500 employees. These types of small businesses represent 99.9% of all businesses in the United States, which translates to 34.75 million businesses. Next, “small organizations” are not-for-profit enterprises that are independently owned and operated and not dominant their field. While we do not have data regarding the number"},{"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":"protections for consumers seeking refunds of: (1) airline tickets when an airline cancels or significantly changes a flight, and the consumer rejects or is not offered alternative transportation; (2) checked bag fees when bags are significantly delayed; and (3) ancillary services fees when consumers pay for services, such as Wi-Fi, that are not provided. In addition, this final rule provides protections for consumers who are unable or advised not to travel because of a serious communicable disease by requiring that carriers provide these consumers travel"},{"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":"free expression) would not apply to a “small business,” “small organization,” or “small governmental jurisdiction” as those terms are defined in 5 U.S.C. 601. A “small business” has “the same meaning as the term `small business concern' under section 3 of the Small Business Act.” \n 36 \n \n A “small business concern” is “one which is independently owned and operated and \n \n which is not dominant in its field of operation,” \n 37 \n \n or which (along with its affiliates) is at or below the Small Business Administration (SBA) standard listed in 13 CFR"},{"title":"Reducing Barriers to Network Improvements and Service Changes","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) adopted a Notice of Proposed Rulemaking that seeks comment on deregulatory options to encourage providers to build, maintain, and upgrade their networks such that all consumers and businesses can benefit from technological strides in the communications marketplace, while safeguarding consumers' access to critical emergency services such as 911. These actions propose to reduce regulatory barriers that prevent much-needed investment in and deployment of broadband and thus hinder the transition to all-IP networks offering a plethora of advanced communications services, and seek comment on ways to further fast-track the delivery of services to consumers through modernized networks while protecting public safety.","document_number":"2025-16540","html_url":"https://www.federalregister.gov/documents/2025/08/28/2025-16540/reducing-barriers-to-network-improvements-and-service-changes","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-28/pdf/2025-16540.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16540.pdf?1756298736","publication_date":"2025-08-28","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":"term “small entity” as having the same meaning as the terms “small business,” “small organization,” and “small governmental jurisdiction.” In addition, the term “small business” has the same meaning as the term “small business concern” under the Small Business Act.” A “small business concern” is one which: (1) is independently owned and operated; (2) is not dominant in its field of operation; and (3) satisfies any additional criteria established by the SBA. \n \n 123. \n Small Businesses, Small Organizations, Small Governmental Jurisdictions. \n Our actions"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Medical Collections on Consumer Credit Reports \n (July 27, 2022), \n https://www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/. \n \n \n \n A 2022 review of consumer complaints submitted to the CFPB found that many consumers complaining of disputed debt collection attempts reported first learning of the debt from viewing their consumer report. Consumers expressed concern with inaccurate information leading to a decrease in their credit score. Some consumers reported paying debt they"},{"title":"Trade Regulation Rule on the Use of Consumer Reviews and Testimonials","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing this final rule and Statement of Basis and Purpose (\"SBP\") relating to certain specified unfair or deceptive acts or practices involving consumer reviews or testimonials. This final rule, among other things, prohibits selling or purchasing fake consumer reviews or testimonials, buying positive or negative consumer reviews, certain insiders creating consumer reviews or testimonials without clearly disclosing their relationships, creating a company-controlled review website that falsely purports to provide independent reviews, certain review suppression practices, and selling or purchasing fake indicators of social media influence.","document_number":"2024-18519","html_url":"https://www.federalregister.gov/documents/2024/08/22/2024-18519/trade-regulation-rule-on-the-use-of-consumer-reviews-and-testimonials","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-22/pdf/2024-18519.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-18519.pdf?1724244318","publication_date":"2024-08-22","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"the visual portion.\n \n \n \n 139 \n \n Id. \n \n \n d. Consumer Review \n \n The proposed rule defined “consumer review” as “a consumer's evaluation, or a purported consumer's evaluation, of a product, service, or business that is \n \n submitted by the consumer or purported consumer and that is published to a website or platform dedicated in whole or in part to receiving and displaying such evaluations.” The proposed definition also noted that, for the purposes of the rule, consumer reviews include consumer ratings regardless of whether they include any text"},{"title":"Preventing Access to U.S. Sensitive Personal Data and Government-Related Data by Countries of Concern or Covered Persons","type":"Rule","abstract":"The Department of Justice is issuing a final rule to implement Executive Order 14117 of February 28, 2024 (Preventing Access to Americans' Bulk Sensitive Personal Data and United States Government- Related Data by Countries of Concern), by prohibiting and restricting certain data transactions with certain countries or persons.","document_number":"2024-31486","html_url":"https://www.federalregister.gov/documents/2025/01/08/2024-31486/preventing-access-to-us-sensitive-personal-data-and-government-related-data-by-countries-of-concern","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2024-31486.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31486.pdf?1735911918","publication_date":"2025-01-08","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":"generally low levels of clinical trials of any sort that also involved a site in a country of concern.\n \n \n \n Most of the concerns identified in the STPI report arose from general compliance concerns, such as that Federal funding entities would impose different requirements or that researchers would have to adjust computer security protocols. For example, one interviewee noted that it took substantially longer to build infrastructure to facilitate data sharing when cybersecurity requirements had to be met.\n 87 \n Another thought that research would be slowed"},{"title":"Consumer Financial Protection Circular 2024-07: Design, Marketing, and Administration of Credit Card Rewards Programs","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2024-07 titled, \"Design, marketing, and administration of credit card rewards programs.\" In this circular, the CFPB responds to the question, \"Can credit card issuers violate the law if they or their rewards partners devalue earned rewards or otherwise inhibit consumers from obtaining or redeeming promised rewards?\"","document_number":"2024-30988","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-30988/consumer-financial-protection-circular-2024-07-design-marketing-and-administration-of-credit-card","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-30988.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30988.pdf?1735307135","publication_date":"2024-12-30","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":"the offering of a consumer financial product or service.” \n 24 \n \n An act or practice is unfair when: (1) it causes or is likely to cause substantial injury to consumers that is not reasonably avoidable by consumers and (2) such injury is not outweighed by countervailing benefits to consumers or to competition.\n 25 \n \n Substantial injury includes monetary harm, and may be based on likely rather than actual injury.\n 26 \n \n In general, an injury is not reasonably avoidable if consumers cannot reasonably anticipate the injury, or when there is no way"},{"title":"Provisions Pertaining to U.S. Investments in Certain National Security Technologies and Products in Countries of Concern","type":"Rule","abstract":"This final rule sets forth the regulations that implement Executive Order 14105 of August 9, 2023, \"Addressing United States Investments in Certain National Security Technologies and Products in Countries of Concern,\" which declares a national emergency to address the threat to the United States posed by countries of concern that seek to develop and exploit sensitive technologies or products critical for military, intelligence, surveillance, or cyber-enabled capabilities. The final rule requires United States persons to provide notification to the U.S. Department of the Treasury regarding certain transactions involving persons of a country of concern that are engaged in activities involving certain national security technologies and products that may contribute to the threat to the national security of the United States; and prohibits United States persons from engaging in certain other transactions involving persons of a country of concern that are engaged in activities involving certain other national security technologies and products that pose a particularly acute national security threat to the United States.","document_number":"2024-25422","html_url":"https://www.federalregister.gov/documents/2024/11/15/2024-25422/provisions-pertaining-to-us-investments-in-certain-national-security-technologies-and-products-in","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-15/pdf/2024-25422.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25422.pdf?1730996188","publication_date":"2024-11-15","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 Investment Security","name":"Investment Security Office","id":603,"url":"https://www.federalregister.gov/agencies/investment-security-office","json_url":"https://www.federalregister.gov/api/v1/agencies/603","parent_id":497,"slug":"investment-security-office"}],"excerpts":"221—Person of a Country of Concern \n \n Section 850.221 of the Proposed Rule described four sets of circumstances that would cause a \n person \n to be a \n person of a country of concern: \n \n \n • An individual who is a citizen or permanent resident of a \n country of concern \n (excluding U.S. citizens and U.S. permanent residents);\n \n \n • An entity with a principal place of business in, headquartered in, incorporated in, or organized under the laws of, a \n country of concern; \n \n \n • The government of a \n country of concern, \n persons acting on behalf"},{"title":"Revisions to Business Conduct and Swap Documentation Requirements for Swap Dealers and Major Swap Participants","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (\"CFTC\" or \"Commission\") is proposing amendments to certain of the Commission's business conduct and documentation requirements applicable to swap dealers and major swap participants. These amendments would provide exceptions to compliance with such requirements when executing swaps that are: intended by the parties to be cleared contemporaneously with execution; or subject to prime broker arrangements that meet certain qualifying conditions. The proposed amendments would also make certain other changes discussed herein. The proposed amendments, if adopted, would supersede certain no-action positions issued by the Commission's Market Participants Division (\"MPD\").","document_number":"2025-18924","html_url":"https://www.federalregister.gov/documents/2025/09/30/2025-18924/revisions-to-business-conduct-and-swap-documentation-requirements-for-swap-dealers-and-major-swap","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-30/pdf/2025-18924.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18924.pdf?1759149912","publication_date":"2025-09-30","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"authority to impose business conduct standards on Swap Entities in their dealings with counterparties, including Special Entities.\n 9 \n \n Pursuant to this rulemaking authority, the Commission adopted rules in subpart H of part 23 of its regulations, which set forth business conduct standards for Swap Entities in their dealings with counterparties (the “External Business Conduct Standards”).\n 10 \n \n \n \n \n 8 \n 7 U.S.C. 6s(h).\n \n \n \n \n 9 \n “Special Entity” is defined in § 23.401(c), 17 CFR 23.401(c).\n \n \n \n \n 10 \n \n See generally \n Business Conduct Standards"}]}