{"description":"Documents matching 'higher risk operations'","count":10000,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=higher+risk+operations&format=json&page=2","results":[{"title":"Agency Information Collection Activities: Information Collection Renewal; Comment Request; Appraisals for Higher-Priced Mortgage Loans","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, \"Appraisals for Higher-Priced Mortgage Loans.\"","document_number":"2025-23731","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23731/agency-information-collection-activities-information-collection-renewal-comment-request-appraisals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23731.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23731.pdf?1766411120","publication_date":"2025-12-23","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the 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":"notice of the renewal of this collection.\n \n \n Title: \n “Appraisals of <span class=\"match\">Higher</span>-Priced Mortgage Loans.” \n OMB Control No.: \n 1557-0313.\n \n \n Type of Review: \n Regular.\n \n \n Affected Public: \n Businesses or other for-profit. \n Description: \n This information collection relates to section 1471 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which added a new section 129H to the Truth in Lending Act (TILA) establishing special appraisal requirements for “<span class=\"match\">higher</span>-<span class=\"match\">risk</span> mortgages.” For certain mortgages with an annual percentage rate that"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Submission for OMB Review; Appraisals for Higher-Priced Mortgage Loans","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, \"Appraisals for Higher-Priced Mortgage Loans.\" The OCC also is giving notice that it has sent the collection to OMB for review.","document_number":"2026-03977","html_url":"https://www.federalregister.gov/documents/2026/02/27/2026-03977/agency-information-collection-activities-information-collection-renewal-submission-for-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-27/pdf/2026-03977.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03977.pdf?1772113517","publication_date":"2026-02-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"approval of the collection in this notice.\n \n \n Title: \n Appraisals for <span class=\"match\">Higher</span>-Priced Mortgage Loans.\n \n \n OMB Control Number: \n 1557-0313.\n \n \n Type of Review: \n Regular.\n \n \n Affected Public: \n Businesses or other for-profit.\n \n \n Description: \n This information collection relates to section 1471 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which added a new section 129H to the Truth in Lending Act (TILA) establishing special appraisal requirements for “<span class=\"match\">higher</span>-<span class=\"match\">risk</span> mortgages.” For certain mortgages with an annual percentage rate"},{"title":"Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking to amend the Board's rule that identifies and establishes risk-based capital surcharges for U.S. global systemically important bank holding companies (GSIBs). The proposal would also amend the Systemic Risk Report (FR Y-15), which is the source of inputs to the implementation of the GSIB framework under the capital rule. The proposal would make several changes to better align surcharges with risk. First, it would modify certain coefficients used to calculate GSIB surcharges under method 2 of the GSIB surcharge framework to reflect changes in the financial system and the economy and provide for annual adjustments for real economic growth and inflation going forward. Second, the proposal would modify the measurement and weighting of the weighted short-term wholesale funding systemic indicator. Third, for certain systemic indicators currently measured as of a single date each year, the proposal would require measurement based on average values to reduce the effects of temporary changes to indicator values around measurement dates. Fourth, the proposal would reduce cliff effects and enhance the sensitivity of the surcharge to changes in a GSIB's systemic risk profile. Fifth, to improve risk capture, the proposal would also make improvements to the measurement of some systemic indicators used in the GSIB surcharge framework and the framework for determining prudential standards for large banking organizations. In addition to these changes, the proposal would make several amendments to the FR Y-15 to improve the consistency of data reporting and streamline the reporting process.","document_number":"2026-05961","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05961/regulatory-capital-rule-regulation-q-risk-based-capital-surcharges-for-global-systemically-important","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05961.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05961.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"Report (2013), \n https://www.newyorkfed.org/medialibrary/media/research/conference/2013/fire_sales/Paper_Duarte_Eisenbach.pdf. \n \n \n The use of <span class=\"match\">risk</span>-weighted assets in the denominator of the current approach can result in outcomes that may not align with measuring systemic <span class=\"match\">risk</span>. Under the current approach, a banking organization with <span class=\"match\">higher</span> <span class=\"match\">risk</span>-weighted assets than a firm with lower <span class=\"match\">risk</span>-weighted assets and a similar amount of short-term wholesale funding is assigned a lower short-term wholesale funding indicator score. This outcome may not appropriately"},{"title":"Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.","document_number":"2026-05960","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05960.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"comment on changes to the <span class=\"match\">risk</span>-based capital framework that would apply to Category I and II banking organizations as well as banking organizations with significant trading activity (expanded <span class=\"match\">risk</span>-based proposal).\n 6 \n \n That proposal would introduce a new “expanded <span class=\"match\">risk</span>-based approach”—which would include requirements for credit <span class=\"match\">risk</span>, equity <span class=\"match\">risk</span>, and operational <span class=\"match\">risk</span>—and a revised market <span class=\"match\">risk</span> framework. Notably, the expanded <span class=\"match\">risk</span>-based proposal would allow banking organizations of any size to elect to use the expanded <span class=\"match\">risk</span>-based approach to determine"},{"title":"Licensing Requirements for Microreactors and Other Reactors With Comparable Risk Profiles","type":"Proposed Rule","abstract":"The U.S. Nuclear Regulatory Commission (NRC) is proposing to amend its regulations to establish a risk-informed and performance- based regulatory framework for rapid licensing of new microreactors and other reactors with comparable risk profiles and for high-volume deployment of these reactors. The proposed rule would provide a flexible set of licensing pathways, reduce regulatory burden, and ensure that safety and security requirements remain commensurate with the potential hazards posed by these facilities.","document_number":"2026-08550","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08550/licensing-requirements-for-microreactors-and-other-reactors-with-comparable-risk-profiles","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08550.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08550.pdf?1777553125","publication_date":"2026-05-01","agencies":[{"raw_name":"NUCLEAR REGULATORY COMMISSION","name":"Nuclear Regulatory Commission","id":383,"url":"https://www.federalregister.gov/agencies/nuclear-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/383","parent_id":null,"slug":"nuclear-regulatory-commission"}],"excerpts":"basis for your response.\n \n \n 10. \n Remote <span class=\"match\">Operations</span> and Autonomous <span class=\"match\">Operations</span>. \n Proposed part 57 would allow remote <span class=\"match\">operations</span> and autonomous <span class=\"match\">operations</span>, which is expected to be a paradigm shift for the nuclear industry and the NRC.\n \n \n • \n Q10-1: \n Should the NRC allow remote <span class=\"match\">operations</span> and autonomous <span class=\"match\">operations</span> of nuclear power plants that demonstrate low consequences? What, if any, additional requirements and guidance are necessary for the regulatory review of remote <span class=\"match\">operation</span> and autonomous <span class=\"match\">operation</span> as part of the rapid licensing envisioned"},{"title":"Enhancing Surface Cyber Risk Management","type":"Proposed Rule","abstract":"The Transportation Security Administration (TSA) is proposing to impose cyber risk management (CRM) requirements on certain pipeline and rail owner/operators and a more limited requirement, on certain over-the-road bus (OTRB) owner/operators, to report cybersecurity incidents. With the proposed addition of requirements applicable to pipeline facilities and systems, TSA is also proposing that a requirement to have a Physical Security Coordinator and report significant physical security concerns be extended to the same facilities and systems. Finally, TSA is proposing clarifications and reorganization of other regulatory requirements necessitated by these changes.","document_number":"2024-24704","html_url":"https://www.federalregister.gov/documents/2024/11/07/2024-24704/enhancing-surface-cyber-risk-management","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-07/pdf/2024-24704.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24704.pdf?1730900722","publication_date":"2024-11-07","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"},{"raw_name":"Transportation Security Administration","name":"Transportation Security Administration","id":494,"url":"https://www.federalregister.gov/agencies/transportation-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/494","parent_id":227,"slug":"transportation-security-administration"}],"excerpts":"determinations were based on the physical security of transportation systems and <span class=\"match\">risks</span> within that context.\n \n \n \n 118 \n  \n See supra \n note 81.\n \n \n \n Use of TSA's <span class=\"match\">risk</span>-based determinations for applicability is consistent with the focus of the 9/11 Act's requirements on <span class=\"match\">higher</span>-<span class=\"match\">risk</span> <span class=\"match\">operations</span>. This <span class=\"match\">risk</span>-based focus is reflected in the statutory requirement that focuses security training requirements on frontline employees, not all employees; \n 119 \n \n requiring <span class=\"match\">risk</span>-based tiers where only the highest tier would be required to comply with regulations"},{"title":"Accountability in Higher Education and Access Through Demand- Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Earnings Accountability","type":"Rule","abstract":"The Secretary of Education (Secretary) amends the regulations governing institutional eligibility, general provisions, and the William D. Ford Direct Loan (Direct Loan) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement statutory changes to the title IV, HEA programs included in the Working Families Tax Cuts Act (WFTCA) signed into law by President Trump on July 4, 2025. These changes include revisions to program eligibility requirements for the Direct Loan program and the introduction of an earnings accountability framework that limits Direct Loan eligibility to programs whose graduates meet certain earnings benchmarks. This action finalizes regulations to implement the provisions of the WFTCA related to low-earning outcome programs and the Direct Loan program, and to harmonize those regulations with requirements for programs that are required to lead to gainful employment (GE programs).","document_number":"2026-13286","html_url":"https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-01/pdf/2026-13286.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13286.pdf?1782823517","publication_date":"2026-07-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"Students in <span class=\"match\">risk</span> groups 4 or 5 stay in those <span class=\"match\">risk</span> groups; (3) Students in <span class=\"match\">risk</span> group 1 can shift to <span class=\"match\">risk</span> groups 2 or 3; (4) Students in <span class=\"match\">risk</span> group 2 can shift to <span class=\"match\">risk</span> groups 1 or 3; (5) Students in <span class=\"match\">risk</span> group 3 can shift to <span class=\"match\">risk</span> groups 1 or 2. Therefore, we permit enrollment to shift between proprietary and public or non-profit certificate, associate's, and lower-division bachelor's programs, based on the assumptions listed in Table 7.6.\n \n \n Step 4: \n Determine the change in aggregate baseline enrollment between 2027 and 2028 for each <span class=\"match\">risk</span> group and"},{"title":"Supply Chain Risk Management Reliability Standards Revisions; Equipment and Services Produced or Provided by Certain Entities Identified as Risks to National Security","type":"Rule","abstract":"The Federal Energy Regulatory Commission (Commission) directs the North American Electric Reliability Corporation (NERC), the Commission-certified Electric Reliability Organization, to develop new or modified Reliability Standards that address the sufficiency of responsible entities' supply chain risk management plans related to the identification of and response to supply chain risks. Further, the Commission directs NERC to develop modifications related to supply chain protections for protected cyber assets. This final action also terminates a related notice of inquiry.","document_number":"2025-18394","html_url":"https://www.federalregister.gov/documents/2025/09/23/2025-18394/supply-chain-risk-management-reliability-standards-revisions-equipment-and-services-produced-or","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-23/pdf/2025-18394.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18394.pdf?1758545114","publication_date":"2025-09-23","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":"procurement to ensure that responsible entities consider the <span class=\"match\">risks</span> associated with proposed information system planning and system development actions and to provide broad programmatic safeguards to mitigate vulnerabilities inserted into Bulk-Power System software or hardware throughout their life cycle; and (4) vendor <span class=\"match\">risk</span> management and procurement controls to address the <span class=\"match\">risk</span> that entities could enter into contracts with vendors who pose significant <span class=\"match\">risks</span> to their systems, as well as the <span class=\"match\">risk</span> that products procured by a responsible entity fail to meet"},{"title":"Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Earnings Accountability","type":"Proposed Rule","abstract":"The Secretary of Education (Secretary) proposes to amend the regulations governing institutional eligibility, general provisions regulations, and the William D. Ford Direct Loan (Direct Loan) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs). The proposed regulations would implement statutory changes to the title IV, HEA programs included in the One Big Beautiful Bill Act (OBBB), signed by President Trump on July 4, 2025. The OBBB made numerous changes to the HEA, including changes to program eligibility requirements for the Direct Loan program and the introduction of an earnings accountability framework that is intended to limit Direct Loan eligibility to programs whose graduates meet certain earnings benchmarks. This document proposes regulations, based on consensus reached during negotiated rulemaking, to implement the provisions of the OBBB related to low-earning outcome programs and the Direct Loan program, and to harmonize those regulations with requirements for programs that are required to lead to gainful employment (GE programs).","document_number":"2026-07666","html_url":"https://www.federalregister.gov/documents/2026/04/20/2026-07666/accountability-in-higher-education-and-access-through-demand-driven-workforce-pell-student-tuition","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-20/pdf/2026-07666.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07666.pdf?1776429919","publication_date":"2026-04-20","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"Students in <span class=\"match\">risk</span> groups 4 or 5 stay in those <span class=\"match\">risk</span> groups; (3) Students in <span class=\"match\">risk</span> group 1 can shift to <span class=\"match\">risk</span> groups 2 or 3; (4) Students in <span class=\"match\">risk</span> group 2 can shift to <span class=\"match\">risk</span> groups 1 or 3; (5) Students in <span class=\"match\">risk</span> group 3 can shift to <span class=\"match\">risk</span> groups 1 or 2. Therefore, we permit enrollment to shift between proprietary and public or non-profit certificate, associate's, and lower-division bachelor's programs, based on the assumptions listed in Table 5.6.\n \n \n Step 4: \n Determine the change in aggregate baseline enrollment between 2027 and 2028 for each <span class=\"match\">risk</span> group and"},{"title":"Changes to Agriculture Risk Coverage, Price Loss Coverage, and Dairy Margin Coverage Programs","type":"Rule","abstract":"This rule revises the provisions of the Agriculture Risk Coverage (ARC), Price Loss Coverage (PLC), and Dairy Margin Coverage (DMC) programs to conform with provisions of the One Big Beautiful Bill Act (OBBBA). OBBBA authorized modifications to the 2025 crop year ARC and PLC programs and the continuation of the ARC and PLC programs for the 2026 through 2031 crop years. The modified provisions are related to the reference prices, the effective reference prices, base acres, program elections, and payment provisions. OBBBA also authorized DMC for calendar years 2026 through 2031, providing participating dairy operations with the ability to establish a new production history. In addition, the Tier 1 coverage level was increased by 1 million pounds of milk to a 6-million-pound limit and eligibility for multi-year (lock-in) contracts was maintained until December 30, 2031. The Farm Service Agency (FSA) is also making minor administrative changes and updates to the ARC, PLC, and DMC regulations and the regulations that apply to multiple FSA programs.","document_number":"2026-00313","html_url":"https://www.federalregister.gov/documents/2026/01/12/2026-00313/changes-to-agriculture-risk-coverage-price-loss-coverage-and-dairy-margin-coverage-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-12/pdf/2026-00313.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-00313.pdf?1767966310","publication_date":"2026-01-12","agencies":[{"raw_name":"DEPARTMENT OF AGRICULTURE","name":"Agriculture Department","id":12,"url":"https://www.federalregister.gov/agencies/agriculture-department","json_url":"https://www.federalregister.gov/api/v1/agencies/12","parent_id":null,"slug":"agriculture-department"},{"raw_name":"Farm Service Agency","name":"Farm Service Agency","id":157,"url":"https://www.federalregister.gov/agencies/farm-service-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/157","parent_id":12,"slug":"farm-service-agency"},{"raw_name":"Commodity Credit Corporation","name":"Commodity Credit Corporation","id":76,"url":"https://www.federalregister.gov/agencies/commodity-credit-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/76","parent_id":12,"slug":"commodity-credit-corporation"}],"excerpts":"distinct <span class=\"match\">operation</span>, the producer must register each <span class=\"match\">operation</span> for each <span class=\"match\">operation</span> to be eligible for coverage. If the producer moves the same herd of cattle between two facilities, then the two facilities will not be regarded as separate and distinct but as one <span class=\"match\">operation</span>. A separate <span class=\"match\">operation</span> must distinctly, as a single unit, have their own cattle, facilities, milk marketings, tanks, feed, records, State level licenses, and permits. A dairy <span class=\"match\">operation</span> operated by more than one dairy producer will be considered to be a single dairy <span class=\"match\">operation</span> for purposes"},{"title":"Prohibition on Use of Reputation Risk or Other Supervisory Tools To Encourage or Compel Banking Organizations To Engage in Politicized or Unlawful Discrimination","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking (proposal or proposed rule) that would codify the removal of reputation risk from the Board's supervisory programs. The proposal would prohibit the Board from encouraging or compelling Board-supervised banking organizations to deny or condition the provision of banking or other financial products or services to an individual or business based on their constitutionally protected political or religious beliefs, associations, speech, or conduct, or based on involvement by the individual or business in politically disfavored but lawful business activities perceived to present reputation risk.","document_number":"2026-03818","html_url":"https://www.federalregister.gov/documents/2026/02/26/2026-03818/prohibition-on-use-of-reputation-risk-or-other-supervisory-tools-to-encourage-or-compel-banking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-26/pdf/2026-03818.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03818.pdf?1772027110","publication_date":"2026-02-26","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"motivated the Board's prior inclusion of reputation <span class=\"match\">risk</span> in supervision are adequately addressed through other existing <span class=\"match\">risk</span> types. The Board continues to supervise banking organizations' management of these other <span class=\"match\">risk</span> channels, such as credit <span class=\"match\">risk</span>, market <span class=\"match\">risk</span>, liquidity <span class=\"match\">risk</span>, operational <span class=\"match\">risk</span>, and legal <span class=\"match\">risk</span>,\n 13 \n \n with an emphasis on core, material financial <span class=\"match\">risks</span>. Additionally, the proposal would not alter the Board's expectation that Board-supervised banking organizations maintain strong <span class=\"match\">risk</span> management to promote safety and soundness and compliance"},{"title":"Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Pell Grant Exclusion Relating to Other Grant Aid; and Workforce Pell Grants","type":"Rule","abstract":"The Secretary of Education (Secretary) amends the regulations governing institutional eligibility, general provisions, and the Federal Pell Grant (Pell Grant) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs). The final regulations implement statutory changes to the title IV, HEA programs included in the Working Families Tax Cuts Act (WFTCA), signed into law by President Trump on July 4, 2025. In the NPRM, we referenced the WFTCA as the \"One Big Beautiful Bill\"; however, for clarity and consistency in this final rule, we will instead use WFTCA. The WFTCA made numerous changes to the HEA, including changes to student eligibility requirements for the Pell Grant Program and the establishment of Workforce Pell Grants for students who enroll in a new type of eligible program called an \"eligible workforce program,\" intended to be a high-quality, performance-based, short-term program that supports America's workforce needs.","document_number":"2026-10013","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10013/accountability-in-higher-education-and-access-through-demand-driven-workforce-pell-pell-grant","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10013.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10013.pdf?1779108315","publication_date":"2026-05-19","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"negotiators representing numerous impacted constituencies. These included <span class=\"match\">higher</span> education institutions, State officials, legal assistance organizations, and employers. Non-Federal negotiators submitted a variety of proposals relating to the issues under discussion. Information about these proposals is available on our negotiated rulemaking website at: \n https://www.ed.gov/laws-and-policy/<span class=\"match\">higher</span>-education-laws-and-policy/<span class=\"match\">higher</span>-education-policy/negotiated-rulemaking-for-<span class=\"match\">higher</span>-education-2025-2026. \n \n We received 440 comments and considered them all"},{"title":"Emergency Order Establishing Additional Requirements for Ensuring the Safe Operation of Southeastern Pennsylvania Transportation Authority Passenger Trains","type":"Notice","abstract":"The Federal Railroad Administration (FRA) of the U.S. Department of Transportation has determined that public safety compels the issuance of an Emergency Order (Order) requiring the Southeastern Pennsylvania Transportation Authority (SEPTA) to take immediate action in accordance with this Order to abate the risk of fires and other thermal incidents, and resulting smoke and emergency situations, on SEPTA passenger trains, notably trains comprised of Silverliner IV electric multiple-unit locomotives (Silverliner IV EMUs). This Order establishes additional requirements that SEPTA must meet to continue the safe operation of its passenger trains and, specifically, Silverliner IV EMUs.","document_number":"2025-19467","html_url":"https://www.federalregister.gov/documents/2025/10/06/2025-19467/emergency-order-establishing-additional-requirements-for-ensuring-the-safe-operation-of-southeastern","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-06/pdf/2025-19467.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19467.pdf?1759495505","publication_date":"2025-10-06","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 Railroad Administration","name":"Federal Railroad Administration","id":185,"url":"https://www.federalregister.gov/agencies/federal-railroad-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/185","parent_id":492,"slug":"federal-railroad-administration"}],"excerpts":"determined that public safety compels the issuance of this Order requiring SEPTA to take certain immediate actions to abate the <span class=\"match\">risk</span> of additional fires and other thermal incidents and implement steps to ensure the safe <span class=\"match\">operation</span> of its passenger trains consistent with Federal railroad safety requirements, namely 49 U.S.C. ch. 207 and 49 CFR parts 229 and 238. This Order does not require SEPTA to discontinue <span class=\"match\">operation</span> of Silverline IV EMUs at this time, except to the extent cars shall be removed from service in order to comply with the emergency"},{"title":"Normalizing Unmanned Aircraft Systems Beyond Visual Line of Sight Operations","type":"Proposed Rule","abstract":"This action proposes performance-based regulations to enable the design and operation of unmanned aircraft systems (UAS) at low altitudes beyond visual line of sight (BVLOS) and for third-party services, including UAS Traffic Management (UTM), that support these operations. The FAA Reauthorization Act of 2024 directs the development of this proposed rule. This proposed rule is necessary to support the integration of UAS into the national airspace system (NAS). This proposed rule is intended to provide a predictable and clear pathway for safe, routine, and scalable UAS operations that include package delivery, agriculture, aerial surveying, civic interest, operations training, demonstration, recreation, and flight testing. TSA proposes to make complementary changes to its regulations to ensure it can continue to impose security measures on these operations under its current regulatory structure for civil aviation.","document_number":"2025-14992","html_url":"https://www.federalregister.gov/documents/2025/08/07/2025-14992/normalizing-unmanned-aircraft-systems-beyond-visual-line-of-sight-operations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-07/pdf/2025-14992.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-14992.pdf?1754484350","publication_date":"2025-08-07","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 Aviation Administration","name":"Federal Aviation Administration","id":159,"url":"https://www.federalregister.gov/agencies/federal-aviation-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/159","parent_id":492,"slug":"federal-aviation-administration"},{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"},{"raw_name":"Transportation Security Administration","name":"Transportation Security Administration","id":494,"url":"https://www.federalregister.gov/agencies/transportation-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/494","parent_id":227,"slug":"transportation-security-administration"}],"excerpts":"during its <span class=\"match\">operations</span> without compromising the UAS's safe <span class=\"match\">operation</span>. \n \n From a <span class=\"match\">risk</span> perspective, FAA considers UAS <span class=\"match\">operations</span> under proposed part 108 fall between part 107 small UAS and aircraft with a SAC.\n 6 \n \n Part 108, which encompasses BVLOS <span class=\"match\">operations</span>, presents <span class=\"match\">higher</span> <span class=\"match\">risks</span> than part 107 due to the potential for airspace conflicts with other users, <span class=\"match\">operation</span> of larger aircraft, <span class=\"match\">operation</span> over densely populated areas, and riskier operational use cases such as package delivery. The intrinsic <span class=\"match\">risks</span> associated with routine BVLOS <span class=\"match\">operations</span> of UAS"},{"title":"National Emission Standards for Hazardous Air Pollutants: Ethylene Oxide Emissions Standards for Sterilization Facilities Residual Risk and Technology Review Reconsideration","type":"Proposed Rule","abstract":"On April 5, 2024, the U.S. Environmental Protection Agency (EPA) published the National Emission Standards for Hazardous Air Pollutants (NESHAP): Ethylene Oxide Emissions Standards for Sterilization Facilities Residual Risk and Technology Review (2024 Final Rule). The 2024 Final Rule revised the Commercial Sterilization Facilities NESHAP based on a residual risk and technology review (RTR) pursuant to the Clean Air Act (CAA) sections. On March 12, 2025, the EPA announced that it was reconsidering the 2024 Final Rule. Based on its reconsideration of the RTR in the 2024 Final Rule, the EPA is proposing to amend the Commercial Sterilization Facilities NESHAP. The amendments would rescind the risk based standards, revise the standard for new aeration room vents that resulted from the technology review, revise the compliance demonstration requirements, and rescind a requirement related to permanent total enclosure (PTE). This proposal also includes technical corrections and clarifications to the Commercial Sterilization Facilities NESHAP and Performance Specification 19 to address erroneous cross-references, omissions of text, and typographical errors in the regulatory text that the EPA has identified after publication of the 2024 Final Rule.","document_number":"2026-05167","html_url":"https://www.federalregister.gov/documents/2026/03/17/2026-05167/national-emission-standards-for-hazardous-air-pollutants-ethylene-oxide-emissions-standards-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-17/pdf/2026-05167.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05167.pdf?1773665114","publication_date":"2026-03-17","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"of CAA section 112(f)(2) that authorizes the Agency to conduct additional discretionary residual <span class=\"match\">risk</span> reviews (after completing the mandatory residual <span class=\"match\">risk</span> review within eight years of promulgating MACT standards) and impose <span class=\"match\">risk</span>-based standards pursuant to a second <span class=\"match\">risk</span> review. We reasoned in the 2024 Final Rule and related actions that the Agency possesses this authority because nothing in the statute expressly precludes discretionary residual <span class=\"match\">risk</span> reviews. Upon reconsideration, the EPA proposes that the interpretation as finalized in the 2024"},{"title":"ACCOUNTABILITY IN HIGHER EDUCATION AND ACCESS THROUGH DEMAND-DRIVEN WORKFORCE PELL: PELL GRANT EXCLUSION RELATING TO OTHER GRANT AID; AND WORKFORCE PELL GRANTS","type":"Proposed Rule","abstract":"The Secretary of Education (Secretary) proposes to amend the regulations governing institutional eligibility, general provisions, and the Federal Pell Grant (Pell Grant) Program under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs). The proposed regulations would implement statutory changes to the title IV, HEA programs included in the One Big Beautiful Bill Act (OBBB), signed into law by President Trump on July 4, 2025. The OBBB made numerous changes to the HEA, including changes to student eligibility requirements for the Pell Grant Program and the establishment of Workforce Pell Grants for students who enroll in a new type of eligible program called an \"eligible workforce program,\" intended to be a high-quality, performance-based, short-term program that supports America's workforce needs.","document_number":"2026-04520","html_url":"https://www.federalregister.gov/documents/2026/03/09/2026-04520/accountability-in-higher-education-and-access-through-demand-driven-workforce-pell-pell-grant","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-09/pdf/2026-04520.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-04520.pdf?1772804709","publication_date":"2026-03-09","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":" Regulations.gov \n , within docket ID ED-2025-OPE-0151. Instructions for finding comments are also available on the site under “FAQ.”\n \n \n Transcripts of the public hearings can be accessed at \n https://www.ed.gov/laws-and-policy/<span class=\"match\">higher</span>-education-laws-and-policy/<span class=\"match\">higher</span>-education-policy/negotiated-rulemaking-for-<span class=\"match\">higher</span>-education-2025-2026. \n \n Negotiated Rulemaking \n \n On July 25, 2025, we published the notice in the \n Federal Register \n referenced earlier in the Public Participation section. That notice also set forth a schedule for committee meetings"},{"title":"Risk-Informed, Technology-Inclusive Regulatory Framework for Advanced Reactors","type":"Rule","abstract":"The U.S. Nuclear Regulatory Commission (NRC) is amending its regulations by adding a risk-informed, performance-based, and technology-inclusive regulatory framework for commercial nuclear plants in response to the Nuclear Energy Innovation and Modernization Act (NEIMA). The current application and licensing requirements were primarily developed to address license requests concerning light water- cooled reactors and operational requirements for those types of reactors. This final rule responds to NEIMA by creating an alternative, technology-inclusive regulatory framework to accommodate licensing of future commercial nuclear plants, including advanced reactor designs that may not employ light-water technology.","document_number":"2026-06048","html_url":"https://www.federalregister.gov/documents/2026/03/30/2026-06048/risk-informed-technology-inclusive-regulatory-framework-for-advanced-reactors","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-30/pdf/2026-06048.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06048.pdf?1774615514","publication_date":"2026-03-30","agencies":[{"raw_name":"NUCLEAR REGULATORY COMMISSION","name":"Nuclear Regulatory Commission","id":383,"url":"https://www.federalregister.gov/agencies/nuclear-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/383","parent_id":null,"slug":"nuclear-regulatory-commission"}],"excerpts":"comprehensive <span class=\"match\">risk</span> metric or set of metrics and associated <span class=\"match\">risk</span> performance objectives against which calculated values of the <span class=\"match\">risk</span> metrics are compared. The comprehensive <span class=\"match\">risk</span> metrics or set of metrics and associated <span class=\"match\">risk</span> performance objectives support a performance-based approach to developing an appropriate combination of design features and programmatic controls to prevent or mitigate LBEs other than DBAs. The applicant must propose the comprehensive <span class=\"match\">risk</span> metric or set of metrics and associated <span class=\"match\">risk</span> performance objectives, and the comprehensive <span class=\"match\">risk</span> metric"},{"title":"National Emission Standards for Hazardous Air Pollutants From Hazardous Waste Combustors: Residual Risk and Technology Review","type":"Rule","abstract":"The U.S. Environmental Protection Agency (EPA) is finalizing the residual risk and technology review (RTR) conducted for the National Emission Standards for Hazardous Air Pollutants (NESHAP) from Hazardous Waste Combustors (HWC). Specifically, the EPA is finalizing that risks due to emissions of hazardous air pollutants (HAP) from this source category are adequately addressed by the existing standards; that the NESHAP provides an ample margin of safety to protect public health; and that no developments in practices, processes, or control technologies necessitate revision of the standards. In addition, the EPA is promulgating emission standards for hydrogen fluoride (HF) and hydrogen cyanide (HCN) emissions from major source HWC incinerators, cement kilns, solid fuel boilers, and liquid fuel boilers under Clean Air Act (CAA) sections 112(d)(2) and (3) and 112(h). These final amendments also include work practice standards under CAA section 112(h) for periods of startup, shutdown, and malfunction (SSM); new electronic reporting provisions and requirements; provisions allowing States to choose to exempt area source HWCs from certain permitting requirements; and certain typographical and technical corrections and clarifications.","document_number":"2026-11047","html_url":"https://www.federalregister.gov/documents/2026/06/03/2026-11047/national-emission-standards-for-hazardous-air-pollutants-from-hazardous-waste-combustors-residual","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-03/pdf/2026-11047.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11047.pdf?1780404311","publication_date":"2026-06-03","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"residual <span class=\"match\">risk</span> assessment as proposed. \n 3. What key comments did we receive on the <span class=\"match\">risk</span> review, and what are our responses? \n \n The EPA received comments in support of and against the proposed <span class=\"match\">risk</span> \n \n review. Commenters generally discussed the statutory requirements for the residual <span class=\"match\">risk</span> review, the methodology used to conduct the residual <span class=\"match\">risk</span> review, and the EPA's conclusions concerning the residual <span class=\"match\">risk</span> review. This section provides a summary of and response to key comments received regarding the statutory requirements for the residual <span class=\"match\">risk</span> review"},{"title":"Transportation of Fuel for Agricultural Aircraft Operations","type":"Rule","abstract":"FMCSA amends the Federal Motor Carrier Safety Regulations to allow States to waive the hazardous materials (HM) endorsement requirement for holders of Class A commercial driver's licenses (CDL) who transport no more than 1,000 gallons of aviation grade jet fuel in support of seasonal agricultural aircraft operations.","document_number":"2026-00269","html_url":"https://www.federalregister.gov/documents/2026/01/09/2026-00269/transportation-of-fuel-for-agricultural-aircraft-operations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-09/pdf/2026-00269.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-00269.pdf?1767879914","publication_date":"2026-01-09","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"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":"21 \n \n The 1151 industry is broader than agricultural aircraft <span class=\"match\">operations</span>, and as such drivers impacted by this rule will be a subset of the 5,430 within this industry. FMCSA did not receive specific comments on the number of affected drivers. However, the NAAA commented that an agricultural aircraft <span class=\"match\">operation</span> might want to have two supply trucks for a single aircraft <span class=\"match\">operation</span>, and five supply trucks to support three aircraft. Therefore, every impacted agricultural aircraft <span class=\"match\">operation</span> might have two to three drivers total, but it is not clear that"},{"title":"Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is issuing a notice and request for comment on proposed revisions to the Federal Reserve Policy on Payment System Risk (PSR Policy), including the proposed addition of a new Part IV, to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve Banks (Reserve Banks) to utilize in evaluating requests for access to Reserve Bank account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve Banks to pause decisions on requests for Reserve Bank accounts and services from institutions that are Tier 3 under the Account Access Guidelines until the Board has completed its policy development process on the Payment Account proposal.","document_number":"2026-10375","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10375/proposed-revisions-to-the-federal-reserve-policy-on-payment-system-risk-and-the-guidelines-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10375.pdf?1779453911","publication_date":"2026-05-26","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"and operational <span class=\"match\">risks</span> among the payment <span class=\"match\">risk</span> considerations. As previously discussed in Section III.A.1, given the Payment Account's proposed simplified operational and <span class=\"match\">risk</span> profile and the reliance on the assessments of requesters' primary supervisors, the Board believes Reserve Banks can assess requesters' cyber and operational <span class=\"match\">risks</span> at that time within the proposed 90-day review period. \n 3. Terms To Mitigate Illicit Finance <span class=\"match\">Risk</span> \n Under the Account Access Guidelines, provision of a Payment Account should not create undue <span class=\"match\">risk</span> to the overall economy"}]}