{"description":"Documents matching 'farm credit administration prudential regulators'","count":293,"total_pages":15,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=farm+credit+administration+prudential+regulators&format=json&page=2","results":[{"title":"Statement on Regulatory Burden","type":"Rule","abstract":"This document is part of the Farm Credit Administration's (FCA, our, or we) initiative to reduce regulatory burden for Farm Credit System (FCS or System) institutions, including the Federal Agricultural Mortgage Corporation (Farmer Mac). Several System institutions responded to our 2022 request for comments by identifying regulations they considered unnecessary, unduly burdensome or costly, duplicative of other requirements, outmoded, insufficient, ineffective, or not based on law, and this document responds to those comments.","document_number":"2025-03172","html_url":"https://www.federalregister.gov/documents/2025/03/03/2025-03172/statement-on-regulatory-burden","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-03-03/pdf/2025-03172.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-03172.pdf?1740750307","publication_date":"2025-03-03","agencies":[{"raw_name":"FARM CREDIT ADMINISTRATION","name":"Farm Credit Administration","id":154,"url":"https://www.federalregister.gov/agencies/farm-credit-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/154","parent_id":null,"slug":"farm-credit-administration"}],"excerpts":"Alabama, ACA; ArborOne, ACA; Central Texas, ACA; CoBank, ACB; Colonial, ACA; Farm Credit East, ACA; Farm Credit Illinois, ACA; Florida, ACA; Farm Credit Bank of Texas; the Farm Credit Council; Farm Credit Mid-America, ACA; First South, ACA; Farm Credit Foundations; the Federal Farm Credit Banks Funding Corporation; High Plains, ACA; Idaho, ACA; Louisiana Land Bank, ACA; Plains Land Bank, FLCA; Premier, ACA; Texas Farm Credit, ACA; and Western AgCredit, ACA. The Farm Credit Council stated that in preparing its response letter on behalf of all FCS institutions"},{"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":"org/2024/04/30/new-study-data-shows-credit-card-rewards-are-a-lifeline-for-working-class-americans/. \n Despite the growth in the use of rewards cards among consumers with lower credit scores, in many cases, these consumers do not benefit from these rewards programs, and research has shown that consumers with higher credit scores generally benefit from credit card rewards programs at the expense of consumers with lower credit scores. \n See \n Sumit Agarwal, \n et al., Who Pays for Your Rewards? Redistribution in the Credit Card Market \n (Dec. 5, 2022), "},{"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":"broadly defined a “covered credit transaction” as an extension of business credit that is not specifically excluded. While the rule enumerated certain exclusions—such as trade credit, HMDA-reportable transactions, insurance premium financing, public utilities credit, securities credit, and incidental credit—\n \n it aimed for broad coverage to prevent evasion and ensure a complete data set. Consequently, the 2023 final rule encompassed a wide range of credit products, including merchant cash advances and agricultural credit.\n \n In the 2025 proposed"},{"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":"small business credit applications if they originated at least 100 covered credit transactions in each of the two preceding calendar years. Loans, lines of credit, credit cards, and merchant cash advances (including such credit transactions for agricultural purposes) all fall within the transactional scope of the 2023 final rule, with no limitations on loan amount. The Bureau excluded trade credit, transactions that are reportable under HMDA, insurance premium financing, public utilities credit, securities credit, and incidental credit. Factoring,"},{"title":"Order Granting Conditional Substituted Compliance in Connection With Certain Capital and Financial Reporting Requirements Applicable to Nonbank Swap Dealers Subject to Regulation by the United Kingdom Prudential Regulation Authority","type":"Rule","abstract":"On February 5, 2024, the Commodity Futures Trading Commission issued a notice and request for comment on an application submitted by the Institute of International Bankers, International Swaps and Derivatives Association, and Securities Industry and Financial Markets Association requesting that the Commission determine that registered nonbank swap dealers organized and domiciled in the United Kingdom may comply with certain capital and financial reporting requirements under the Commodity Exchange Act and Commission regulations by being subject to, and complying with, corresponding capital and financial reporting requirements of the United Kingdom Prudential Regulation Authority. The Commission also solicited public comment on a proposed comparability determination and related order providing for the conditional availability of substituted compliance in connection with the application. The Commission is adopting the proposed order with certain modifications and clarifications to address comments. The final order provides that a nonbank swap dealer organized and domiciled in the United Kingdom may satisfy the capital requirements under the Commodity Exchange Act and Commission applicable Commission regulations and the financial reporting rules under the Commodity Exchange Act and applicable Commission regulations by complying with certain specified United Kingdom laws and regulations and conditions set forth in the order.","document_number":"2024-15094","html_url":"https://www.federalregister.gov/documents/2024/07/18/2024-15094/order-granting-conditional-substituted-compliance-in-connection-with-certain-capital-and-financial","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-18/pdf/2024-15094.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15094.pdf?1721220314","publication_date":"2024-07-18","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":"amount for credit risk by multiplying each exposure by a credit conversion factor that ranges from 0 percent to 100 percent, depending on the type of exposure.\n 189 \n \n \n \n \n 187 \n 23.101(a)(1)(i)(B) and paragraph (1) of the definition of the term \n BHC equivalent risk-weighted assets \n in 17 CFR 23.100. \n See also \n 2024 Proposal at 8040.\n \n \n \n \n 188 \n 12 CFR 217.32. Lower credit risk factors are assigned to entities with lower credit risk and higher credit risk factors are assigned to entities with higher credit risk. For example, a credit risk factor"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Submission for OMB Review; Margin and Capital Requirements for Covered Swap Entities","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, \"Margin and Capital Requirements for Covered Swap Entities.\" The OCC also is giving notice that it has sent the collection to OMB for review.","document_number":"2026-10048","html_url":"https://www.federalregister.gov/documents/2026/05/20/2026-10048/agency-information-collection-activities-information-collection-renewal-submission-for-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-20/pdf/2026-10048.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10048.pdf?1779194708","publication_date":"2026-05-20","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"}],"excerpts":"will permit a covered swap entity to comply with a foreign regulatory framework for non-cleared swaps (as a substitute for compliance with the prudential regulators' rule) if the prudential regulators jointly determine that the foreign regulatory framework is comparable to the requirements in the prudential regulators' rule. Section 45.9(e) allows a covered swap entity to request that the prudential regulators make a substituted compliance determination and provides that the covered swap entity must provide the reasons for the request and other required"},{"title":"Capital and Financial Reporting Requirements for Swap Dealers and Major Swap Participants","type":"Rule","abstract":"The Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") is adopting amendments to certain of the Commission's regulations that impose minimum capital requirements and financial reporting obligations on swap dealers (\"SDs\") and major swap participants (\"MSPs\"). The Commission is adopting amendments consistent with previously issued staff letters addressing the Tangible Net Worth Capital Approach for calculating capital under the applicable Commission regulation and alternative financial reporting by SDs subject to the capital requirements of a prudential regulator. The Commission is also adopting amendments to certain of its regulations applicable to SDs, in areas including the required timing of certain notifications, the process for approval of subordinated debt for capital, and the revision of financial reporting forms to conform to the rules. The amendments are intended to facilitate SDs' compliance with the Commission's financial reporting obligations and minimum capital requirements.","document_number":"2024-10342","html_url":"https://www.federalregister.gov/documents/2024/05/23/2024-10342/capital-and-financial-reporting-requirements-for-swap-dealers-and-major-swap-participants","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-23/pdf/2024-10342.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-10342.pdf?1716381913","publication_date":"2024-05-23","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":"financial reporting and recordkeeping requirements for all SDs.\n 5 \n \n Bank SDs subject to regulation by a prudential regulator are required to comply with the minimum capital requirements adopted by the applicable prudential regulator, while non-bank SDs and security-based swap dealers not subject to regulation by a prudential regulator are required to meet the minimum capital requirements of the Commission and SEC, respectively. Banking regulators and the SEC have adopted capital rules for swaps and security-based swaps activities.\n \n \n \n 3 \n Capital"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Comment Request; Margin and Capital Requirements for Covered Swap Entities","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, \"Margin and Capital Requirements for Covered Swap Entities.\"","document_number":"2026-04936","html_url":"https://www.federalregister.gov/documents/2026/03/13/2026-04936/agency-information-collection-activities-information-collection-renewal-comment-request-margin-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-13/pdf/2026-04936.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-04936.pdf?1773319513","publication_date":"2026-03-13","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"}],"excerpts":"will permit a covered swap entity to comply with a foreign regulatory framework for non-cleared swaps (as a substitute for compliance with the prudential regulators' rule) if the prudential regulators jointly determine that the foreign regulatory framework is comparable to the requirements in the prudential regulators' rule. Section 45.9(e) allows a covered swap entity to request that the prudential regulators make a substituted compliance determination and provides that the covered swap entity must provide the reasons for the request and other required"},{"title":"Notice of Proposed Order and Request for Comment on an Application for a Capital Comparability Determination Submitted on Behalf of Nonbank Swap Dealers Subject to Capital and Financial Reporting Requirements of the United Kingdom and Regulated by the United Kingdom Prudential Regulation Authority","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission is soliciting public comment on an application submitted by the Institute of International Bankers, International Swaps and Derivatives Association, and Securities Industry and Financial Markets Association requesting that the Commission determine that the capital and financial reporting laws and regulations of the United Kingdom applicable to CFTC-registered swap dealers organized and domiciled in the United Kingdom, which are licensed under the United Kingdom Financial Services and Markets Act 2000 as investment firms and designated for prudential supervision by the United Kingdom Prudential Regulation Authority, provide sufficient bases for an affirmative finding of comparability with respect to the Commission's swap dealer capital and financial reporting requirements adopted under the Commodity Exchange Act. The Commission is also soliciting public comment on a proposed order providing for the conditional availability of substituted compliance in connection with the application.","document_number":"2024-02070","html_url":"https://www.federalregister.gov/documents/2024/02/05/2024-02070/notice-of-proposed-order-and-request-for-comment-on-an-application-for-a-capital-comparability","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-05/pdf/2024-02070.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-02070.pdf?1706881512","publication_date":"2024-02-05","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":"directs the Commission and “prudential regulators” \n 7 \n \n to impose capital \n \n requirements on all SDs and major swap participants (“MSPs”) registered with the Commission.\n 8 \n \n Section 4s(e) of the CEA also directs the Commission and prudential regulators to adopt regulations imposing initial and variation margin requirements on swaps entered into by SDs and MSPs that are not cleared by a registered derivatives clearing organization (“uncleared swaps”).\n \n \n \n 6 \n 7 U.S.C. 6s(e).\n \n \n \n \n 7 \n The term “prudential regulator” is defined in the CEA"},{"title":"Capital and Financial Reporting Requirements for Swap Dealers and Major Swap Participants","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") proposes to amend certain of the Commission's regulations that impose minimum capital requirements and financial reporting obligations on swap dealers (\"SDs\") and major swap participants (\"MSPs\"). The Commission proposes to do this by codifying parts of staff interpretive letter 21-15 to SDs addressing the Tangible Net Worth Capital Approach for calculating capital under the applicable Commission regulation and no-action letter 21-18 (and its successor no- action letter 23-11) regarding alternative financial reporting by SDs subject to the capital requirements of a prudential regulator (together, \"CFTC Letters\"). The Commission is also proposing to amend certain of its regulations applicable to SDs, in areas including the required timing of certain notifications, the process for approval of subordinated debt for capital, and the revision of financial reporting forms to conform to the rules. The proposed amendments are intended to make it easier for SDs to comply with the Commission's financial reporting obligations and demonstrate compliance with minimum capital requirements.","document_number":"2023-28649","html_url":"https://www.federalregister.gov/documents/2024/01/16/2023-28649/capital-and-financial-reporting-requirements-for-swap-dealers-and-major-swap-participants","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-16/pdf/2023-28649.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-28649.pdf?1704980714","publication_date":"2024-01-16","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":"subject to regulation by a prudential regulator are required to comply with the minimum capital requirements adopted by the applicable prudential regulator,\n 5 \n \n while SDs not subject to regulation by a prudential regulator are required to meet the minimum capital requirements of the Commission, and security-based swap dealers (SBSDs) and major security-based swap participants (MSBSPs) that do not have a prudential regulator are required to comply with the minimum capital requirements of the SEC.\n 6 \n \n The prudential regulators or banking agencies and"},{"title":"Order Granting Conditional Substituted Compliance in Connection With Certain Capital and Financial Reporting Requirements Applicable to a Nonbank Swap Dealer Domiciled in the French Republic and Subject to the European Union's Investment Firms Regulation and Investment Firms Directive","type":"Rule","abstract":"The Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") is issuing an order regarding an application submitted by Goldman Sachs Paris Inc. et Cie requesting that the Commission determine that the capital and financial reporting laws and regulations of the European Union applicable to a CFTC-registered swap dealer, which is organized and domiciled in the French Republic and subject to the Investment Firms Regulation (EU) 2019/2033 (\"IFR\") and Investment Firms Directive (EU) 2019/2034 (\"IFD\") legislative package, provide sufficient bases for an affirmative finding of comparability with respect to the Commission's swap dealer capital and financial reporting requirements adopted under the Commodity Exchange Act. The order provides that a nonbank swap dealer organized and domiciled in the French Republic and subject to the IFR and IFD legislative package may satisfy the capital requirements and the financial reporting rules under the applicable provisions of the Commodity Exchange Act and Commission regulations by complying with certain specified European Union laws and regulations and conditions set forth in the order.","document_number":"2026-09693","html_url":"https://www.federalregister.gov/documents/2026/05/14/2026-09693/order-granting-conditional-substituted-compliance-in-connection-with-certain-capital-and-financial","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-14/pdf/2026-09693.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-09693.pdf?1778676326","publication_date":"2026-05-14","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":"risk-weighted amount for credit risk by multiplying each exposure by a credit conversion factor that ranges from 0 percent to 100 percent, depending on the type of exposure.\n 197 \n \n \n \n \n 195 \n 17 CFR 23.101(a)(1)(i)(B) and paragraph (1) of the definition of the term \n BHC equivalent risk-weighted assets \n in 17 CFR 23.100.\n \n \n \n \n 196 \n 17 CFR 217.32. Lower credit risk factors are assigned to entities with lower credit risk and higher credit risk factors are assigned to entities with higher credit risk. For example, a credit risk factor of 0 percent"},{"title":"Consumer Financial Protection Circular 2023-03: Adverse Action Notification Requirements and Proper Use of Sample Forms","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2023-03, titled, \"Adverse action notification requirements and the proper use of the CFPB's sample forms provided in Regulation B.\" In this circular, the CFPB responds to the question, \"When using artificial intelligence or complex credit models, may creditors rely on the checklist of reasons provided in CFPB sample forms for adverse action notices even when those sample reasons do not accurately or specifically identify the reasons for the adverse action?\"","document_number":"2024-08003","html_url":"https://www.federalregister.gov/documents/2024/04/17/2024-08003/consumer-financial-protection-circular-2023-03-adverse-action-notification-requirements-and-proper","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-17/pdf/2024-08003.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08003.pdf?1713271515","publication_date":"2024-04-17","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":"laws,” 12 U.S.C. 5481(12). However, these laws are also enforced by State attorneys general and State regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. \n See, e.g., \n 12 U.S.C. 5516(d), 5581(c)(2) (exclusive enforcement authority for banks and credit unions with $10 billion or less in assets). Some Federal consumer financial laws are also enforceable"},{"title":"Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-05, titled \"Improper Overdraft Opt-In Practices.\" In this circular, the CFPB responds to the question, \"Can a financial institution violate the law if there is no proof that it has obtained consumers' affirmative consent before levying overdraft fees for ATM and one-time debit card transactions?\"","document_number":"2024-22551","html_url":"https://www.federalregister.gov/documents/2024/10/02/2024-22551/consumer-financial-protection-circular-2024-05-improper-overdraft-opt-in-practices","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-02/pdf/2024-22551.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22551.pdf?1727786726","publication_date":"2024-10-02","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":"Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. \n See, e.g., \n 12 U.S.C. 5516(d), 5581(c)(2) (exclusive enforcement authority for banks and credit unions with $10 billion or less in assets). Some Federal consumer financial laws are also enforceable by other Federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these"},{"title":"Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule to rescind its rule requiring certain types of nonbank covered persons subject to certain final public orders obtained or issued by a government agency in connection with the offering or provision of a consumer financial product or service to report the existence of the orders and related information to a Bureau registry.","document_number":"2025-19689","html_url":"https://www.federalregister.gov/documents/2025/10/29/2025-19689/registry-of-nonbank-covered-persons-subject-to-certain-agency-and-court-orders-rescission","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-29/pdf/2025-19689.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19689.pdf?1761655507","publication_date":"2025-10-29","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":"Bureau consulted with the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), the National Credit Union Administration (NCUA), the Federal Trade Commission (FTC), and the Farm Credit Administration (FCA) on, among other things, consistency with any prudential, market, or systemic objectives administered by such agencies.\n 32 \n \n The Bureau also consulted with State agencies, including State agencies involved in supervision of nonbanks and State agencies"},{"title":"Fair Lending Report of the Consumer Financial Protection Bureau","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending Report of the Consumer Financial Protection Bureau (Fair Lending Report) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This report describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2023.","document_number":"2024-14533","html_url":"https://www.federalregister.gov/documents/2024/07/02/2024-14533/fair-lending-report-of-the-consumer-financial-protection-bureau","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-02/pdf/2024-14533.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14533.pdf?1719837925","publication_date":"2024-07-02","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":"Economic Development Administration, the Farm Credit Administration (FCA), the Financial Crimes Enforcement Network, and the Small Business Administration (SBA) including, among other things, on consistency with any prudential, market, or systemic objectives administered by such agencies.\n \n \n \n 49 \n 12 U.S.C. 5512.\n \n \n In addition to the established interagency organizations, CFPB personnel meet regularly with personnel from other agencies, including with DOJ, HUD, FTC, FHFA, State Attorneys General, and the prudential regulators to coordinate and"},{"title":"Margin Requirements for Uncleared Swaps for Swap Dealers and Major Swap Participants","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") is proposing to amend the margin requirements for uncleared swaps applicable to swap dealers (\"SDs\") and major swap participants (\"MSPs\") for which there is no prudential regulator. The proposed amendment would revise the definition of \"margin affiliate\" to provide that certain collective investment vehicles (\"investment funds\" or \"funds\") that receive all of their start-up capital, or a portion thereof, from a sponsor entity (\"seeded funds\") would be deemed not to have any margin affiliates for the purposes of calculating certain thresholds that trigger the requirement to exchange initial margin (\"IM\") for uncleared swaps. This proposed amendment (\"Seeded Funds Proposal\") would effectively relieve SDs and MSPs from the requirement to post and collect IM with certain eligible seeded funds for their uncleared swaps for a period of three years from the date on which the eligible seeded fund's asset manager first begins making investments on behalf of the fund (\"trading inception date\"). The Commission is also proposing to eliminate a provision disqualifying the securities issued by certain pooled investment funds (\"money market and similar funds\") that transfer their assets through securities lending, securities borrowing, repurchase agreements, reverse repurchase agreements, and similar arrangements from being used as eligible IM collateral, thereby expanding the scope of assets that qualify as eligible collateral (\"Money Market Funds Proposal\"). Additionally, the Commission is proposing an amendment to the haircut schedule set forth in a Commission Regulation to add a footnote that was inadvertently omitted when the rule was originally promulgated.","document_number":"2023-16572","html_url":"https://www.federalregister.gov/documents/2023/08/08/2023-16572/margin-requirements-for-uncleared-swaps-for-swap-dealers-and-major-swap-participants","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-08-08/pdf/2023-16572.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-16572.pdf?1691412318","publication_date":"2023-08-08","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":"Currency; the Federal Deposit Insurance Corporation; the Farm Credit Administration; and the Federal Housing Finance Agency). The definition of “prudential regulator” further specifies the entities for which these agencies act as prudential regulators. The prudential regulators published final margin requirements in November 2015. \n See generally \n Margin and Capital Requirements for Covered Swap Entities, 80 FR 74840 (Nov. 30, 2015) (“Prudential Regulators Margin Rule”). The Prudential Regulators Margin Rule is substantially similar to the CFTC Margin"},{"title":"Consumer Financial Protection Circular 2024-03: Unlawful and Unenforceable Contract Terms and Conditions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-03, titled, \"Unlawful and Unenforceable Contract Terms and Conditions.\" In this circular, the CFPB responds to the question, \"Can persons that include unlawful or unenforceable terms and conditions in contracts for consumer financial products and services violate the prohibition on deceptive acts or practices in the Consumer Financial Protection Act (CFPA)?\"","document_number":"2024-13581","html_url":"https://www.federalregister.gov/documents/2024/06/21/2024-13581/consumer-financial-protection-circular-2024-03-unlawful-and-unenforceable-contract-terms-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-21/pdf/2024-13581.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13581.pdf?1718887530","publication_date":"2024-06-21","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":"Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. \n See, e.g., \n 12 U.S.C. 5516(d), 5581(c)(2) (exclusive enforcement authority for banks and credit unions with $10 billion or less in assets). Some Federal consumer financial laws are also enforceable by other Federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these"},{"title":"Consumer Financial Protection Circular 2024-04: Whistleblower Protections Under CFPA Section 1057","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-04, titled, \"Whistleblower protections under CFPA section 1057.\" In this circular, the CFPB responds to the question, \"Can requiring employees to sign broad confidentiality agreements violate section 1057 of the Consumer Financial Protection Act (CFPA), the provision protecting the rights of whistleblower employees, and undermine the CFPB's ability to enforce the law?\"","document_number":"2024-17539","html_url":"https://www.federalregister.gov/documents/2024/08/09/2024-17539/consumer-financial-protection-circular-2024-04-whistleblower-protections-under-cfpa-section-1057","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-09/pdf/2024-17539.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-17539.pdf?1723134400","publication_date":"2024-08-09","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":"laws,” 12 U.S.C. 5481(12). However, these laws are also enforced by State attorneys general and State regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. \n See, e.g., \n 12 U.S.C. 5516(d), 5581(c)(2) (exclusive enforcement authority for banks and credit unions with $10 billion or less in assets). Some Federal consumer financial laws are also enforceable"},{"title":"Order Granting Conditional Substituted Compliance in Connection With Certain Capital and Financial Reporting Requirements Applicable to Nonbank Swap Dealers Domiciled in the French Republic and Federal Republic of Germany and Subject to Regulation in the European Union","type":"Rule","abstract":"On June 27, 2023, the Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") issued a notice and request for comment on an application submitted by the Institute of International Bankers, International Swaps and Derivatives Association, and Securities Industry and Financial Markets Association requesting that the Commission determine that registered nonbank swap dealers organized and domiciled within the European Union may comply with certain capital and financial reporting requirements under the Commodity Exchange Act and Commission regulations by being subject to, and complying with, corresponding capital and financial reporting requirements of the European Union. The Commission also solicited public comment on a proposed comparability determination and related order providing for the conditional availability of substituted compliance in connection with the application. The Commission is adopting the proposed order with certain modifications and clarifications to address comments. The final order provides that a nonbank swap dealer organized and domiciled in the French Republic or the Federal Republic of Germany may satisfy the capital requirements and the financial reporting rules under the applicable provisions of the Commodity Exchange Act and Commission regulations by complying with certain specified EU laws and regulations and conditions set forth in the order.","document_number":"2024-15095","html_url":"https://www.federalregister.gov/documents/2024/07/18/2024-15095/order-granting-conditional-substituted-compliance-in-connection-with-certain-capital-and-financial","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-18/pdf/2024-15095.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15095.pdf?1721220314","publication_date":"2024-07-18","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":" \n directs the Commission and “prudential regulators” \n 5 \n \n to impose capital requirements on SDs and major swap participants (“MSPs”) registered with the Commission.\n 6 \n \n Section 4s(e) also directs the Commission and prudential regulators to adopt regulations imposing initial and variation margin requirements on swaps entered into by SDs and MSPs that are not cleared by a registered derivatives clearing organization (“uncleared swaps”).\n \n \n \n 4 \n 7 U.S.C. 6s(e).\n \n \n \n \n 5 \n The term “prudential regulators” is defined in the CEA to mean"},{"title":"Order Granting Conditional Substituted Compliance in Connection With Certain Capital and Financial Reporting Requirements Applicable to Nonbank Swap Dealer Subject to Regulation by the Mexican Comision Nacional Bancaria y de Valores and Banco de Mexico","type":"Rule","abstract":"On December 13, 2022, the Commodity Futures Trading Commission (\"Commission\" or \"CFTC\") published in the Federal Register a notice and request for comment on an application submitted by Morgan Stanley Mexico, Casa de Bolsa, S.A. de C.V., Goldman Sachs Mexico, Casa de Bolsa, S.A. de C.V., and Casa de Bolsa Finamex, S.A. de C.V. requesting that the Commission determine that CFTC-registered nonbank swap dealers organized and domiciled in Mexico may comply with certain capital and financial reporting requirements under the Commodity Exchange Act and Commission regulations by being subject to, and complying with, corresponding capital and financial reporting requirements of Mexico. The Commission also solicited public comment on a proposed order providing for the conditional availability of substituted compliance in connection with the application. The Commission is adopting the proposed order with certain modifications and clarifications to address comments received. The final order provides that a nonbank swap dealer organized and domiciled in Mexico may satisfy the capital requirements and financial reporting rules under the applicable provisions of the Commodity Exchange Act and Commission regulations by complying with certain specified Mexican laws and regulations and conditions set forth in the order.","document_number":"2024-15093","html_url":"https://www.federalregister.gov/documents/2024/07/18/2024-15093/order-granting-conditional-substituted-compliance-in-connection-with-certain-capital-and-financial","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-18/pdf/2024-15093.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15093.pdf?1721220314","publication_date":"2024-07-18","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":"the Commission and “prudential regulators” \n 5 \n \n to impose capital requirements on swap dealers (“SDs”) and major swap participants (“MSPs”) registered with the Commission.\n 6 \n \n Section 4s(e) also directs the Commission and prudential regulators to adopt regulations imposing initial and variation margin requirements on swaps entered into by SDs and MSPs that are not cleared by a registered \n \n derivatives clearing organization (“uncleared swaps”).\n \n \n \n 4 \n 7 U.S.C. 6s(e).\n \n \n \n \n 5 \n The term “prudential regulators” is defined in the CEA"}]}