{"description":"Documents matching 'investigation fcra dispute consumer disagrees'","count":44,"total_pages":3,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=investigation+fcra+dispute+consumer+disagrees&format=json&page=2","results":[{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"notify <span class=\"match\">consumer</span> reporting agencies of such status).\n \n \n \n \n 35 \n  <span class=\"match\">Consumer</span> Fin. Prot. Bureau, \n Paid and Low-Balance Medical Collections on <span class=\"match\">Consumer</span> Credit Reports \n (July 27, 2022), \n https://www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-<span class=\"match\">consumer</span>-credit-reports/. \n \n \n \n A 2022 review of <span class=\"match\">consumer</span> complaints submitted to the CFPB found that many <span class=\"match\">consumers</span> complaining of <span class=\"match\">disputed</span> debt collection attempts reported first learning of the debt from viewing their <span class=\"match\">consumer</span> report. <span class=\"match\">Consumers</span> expressed"},{"title":"Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections (or their remedies) granted by State or Federal law. The proposal would also prohibit contract terms that limit free expression, including with threats of account closure, fines, or breach of contract claims, as well as other contract terms. The proposal would also codify certain longstanding prohibitions under the Federal Trade Commission's (FTC) Credit Practices Rule.","document_number":"2025-00633","html_url":"https://www.federalregister.gov/documents/2025/01/14/2025-00633/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2025-00633.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00633.pdf?1736775933","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Federal law. <span class=\"match\">Consumers</span> also have common law rights to bring claims, including, for example, for a breach of contract or a tort. \n \n These laws provide substantive protections for <span class=\"match\">consumers</span>. For instance, the CFPA (among other things) generally prohibits covered persons from engaging in unfair, deceptive, or abusive acts or practices in connection with transactions for <span class=\"match\">consumer</span> financial products or services,\n 82 \n \n while the enumerated <span class=\"match\">consumer</span> laws codify specific <span class=\"match\">consumer</span> protections. Many of these laws also expressly grant <span class=\"match\">consumers</span> the right to"},{"title":"Required Rulemaking on Personal Financial Data Rights","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers' data available upon request to consumers and authorized third parties in a secure and reliable manner; defines obligations for third parties accessing consumers' data, including important privacy protections; and promotes fair, open, and inclusive industry standards.","document_number":"2024-25079","html_url":"https://www.federalregister.gov/documents/2024/11/18/2024-25079/required-rulemaking-on-personal-financial-data-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-18/pdf/2024-25079.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25079.pdf?1731678320","publication_date":"2024-11-18","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":"customer.\n \n \n • Provide the <span class=\"match\">consumer</span> with a copy of the authorization disclosure that the <span class=\"match\">consumer</span> has signed electronically or in writing and contact information that enables a <span class=\"match\">consumer</span> to receive answers to questions about the third party's access to the <span class=\"match\">consumer's</span> covered data. \n • Have reasonable written policies and procedures designed to ensure that the third party provides to the <span class=\"match\">consumer</span>, upon request, certain information about the third party's access to the <span class=\"match\">consumer's</span> covered data. \n \n • Provide the <span class=\"match\">consumer</span> with a method to revoke the"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2026-07804","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","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":"certain groups of <span class=\"match\">consumers</span> more than others. As discussed in the proposal, the amendments to the definition of discouragement may result in <span class=\"match\">consumers</span> not applying for credit and facing greater barriers to accessing credit than they otherwise would have under the existing rule. Certain groups of <span class=\"match\">consumers</span> may be excluded from advertising campaigns or lenders may choose to engage less with certain groups of <span class=\"match\">consumers</span>. As a result, some <span class=\"match\">consumers</span> may not be aware of credit products from all available lenders. Moreover, some <span class=\"match\">consumers</span> may lose convenient"},{"title":"Use of Electronic Payroll Data To Improve Program Administration","type":"Rule","abstract":"Section 824 of the Bipartisan Budget Act of 2015 (BBA) authorizes the Commissioner of Social Security to enter into information exchanges with payroll data providers to obtain wage and employment information. We use wage and employment information to administer the Old-Age, Survivors, and Disability Insurance (OASDI) disability and Supplemental Security Income (SSI) programs under titles II and XVI of the Social Security Act (Act). We are updating our rules pursuant to the BBA, which requires us to prescribe, by regulation, procedures for implementing the access to and use of the information held by payroll data providers. We expect this final rule will support proper use of information exchanges with payroll data providers that will help us administer our programs more efficiently, improve our customers' experience, and prevent improper payments under titles II and XVI of the Act, which can otherwise occur when we do not receive timely and accurate wage and employment information.","document_number":"2024-30593","html_url":"https://www.federalregister.gov/documents/2024/12/31/2024-30593/use-of-electronic-payroll-data-to-improve-program-administration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-31/pdf/2024-30593.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30593.pdf?1735566310","publication_date":"2024-12-31","agencies":[{"raw_name":"Social Security Administration","name":"Social Security Administration","id":470,"url":"https://www.federalregister.gov/agencies/social-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/470","parent_id":null,"slug":"social-security-administration"}],"excerpts":"because TWN's data is considered a “<span class=\"match\">consumer</span> report.” The commenter stated that, under the Fair Credit Reporting Act (<span class=\"match\">FCRA</span>), the <span class=\"match\">consumer</span> has a right to <span class=\"match\">dispute</span> errors \n \n in their <span class=\"match\">consumer</span> report,\n 43 \n \n and that when the <span class=\"match\">consumer</span> lodges a <span class=\"match\">dispute</span>, the <span class=\"match\">Consumer</span> Reporting Agency (CRA) must conduct a “reasonable <span class=\"match\">investigation</span>.” According to commenters, we should not reduce or suspend benefits during the <span class=\"match\">FCRA</span> <span class=\"match\">investigation</span> period. Commenters said, if the <span class=\"match\">consumer</span> continues to <span class=\"match\">dispute</span> information after the <span class=\"match\">investigation</span>, we should conduct our own independent"},{"title":"Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking. This final rule establishes a method for a victim of trafficking to submit documentation to consumer reporting agencies, including information identifying any adverse item of information about the consumer that resulted from certain types of human trafficking, and prohibits the consumer reporting agencies from furnishing a consumer report containing the adverse item(s) of information. The Bureau is taking this action as mandated by the National Defense Authorization Act for Fiscal Year 2022 to assist consumers who are victims of trafficking in building or rebuilding financial stability and personal independence.","document_number":"2022-13671","html_url":"https://www.federalregister.gov/documents/2022/06/24/2022-13671/prohibition-on-inclusion-of-adverse-information-in-consumer-reporting-in-cases-of-human-trafficking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-06-24/pdf/2022-13671.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-13671.pdf?1655988327","publication_date":"2022-06-24","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"Credit Reporting Act \n \n The <span class=\"match\">FCRA</span>, enacted in 1970 and significantly amended in 1996, 2003, 2010, and 2018, regulates <span class=\"match\">consumer</span> reporting. It was enacted to protect <span class=\"match\">consumers</span> by preventing the transmission of inaccurate information in <span class=\"match\">consumer</span> reports and establishing confidential and responsible credit reporting practices.\n 12 \n \n The <span class=\"match\">FCRA's</span> statutory scheme was designed to ensure that <span class=\"match\">consumer</span> reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to <span class=\"match\">consumers</span> and protects the confidentiality"},{"title":"Debt Collection Practices (Regulation F)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA. Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer's debt to a consumer reporting agency.","document_number":"2020-28422","html_url":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-28422.pdf?1610718320","publication_date":"2021-01-19","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"and <span class=\"match\">disputes</span> as the <span class=\"match\">consumer</span> would have had if the <span class=\"match\">consumer</span> were still living. Another industry commenter reported that many debt collectors currently attempt to treat deceased <span class=\"match\">consumers</span> as “<span class=\"match\">consumers</span>” under the FDCPA and explained that the proposal would provide additional clarity that would benefit both <span class=\"match\">consumers</span> and debt collectors in resolving the debts of deceased <span class=\"match\">consumers</span>. A group of <span class=\"match\">consumer</span> advocates supported clarifying the rights of executors, administrators, and personal representatives regarding validation notices and <span class=\"match\">disputes</span>. However"},{"title":"Debt Collection Practices (Regulation F)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.","document_number":"2020-24463","html_url":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-24463.pdf?1606484719","publication_date":"2020-11-30","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"conducted a variety of <span class=\"match\">consumer</span> testing and surveys, beginning in 2014 when the Bureau contracted with a third-party vendor, Fors Marsh Group (FMG), to develop and conduct qualitative <span class=\"match\">consumer</span> testing of two potential <span class=\"match\">consumer</span>-facing debt collection model disclosure forms: the validation notice and the statement of <span class=\"match\">consumer</span> rights. The Bureau also conducted a nationwide survey of <span class=\"match\">consumers</span>' experiences with debt collection and published a report of the findings in January 2017 (CFPB Debt Collection <span class=\"match\">Consumer</span> Survey or <span class=\"match\">Consumer</span> Survey).\n 32 \n \n In 2017"},{"title":"Debt Collection Practices (Regulation F)","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) proposes to amend Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau's proposal would amend Regulation F to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's proposal would, among other things, address communications in connection with debt collection; interpret and apply prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection; and clarify requirements for certain consumer-facing debt collection disclosures.","document_number":"2019-09665","html_url":"https://www.federalregister.gov/documents/2019/05/21/2019-09665/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-05-21/pdf/2019-09665.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-09665.pdf?1558356319","publication_date":"2019-05-21","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"detail. \n D. Survey of <span class=\"match\">Consumer</span> Experiences With Debt Collection \n \n The Bureau conducted a survey of <span class=\"match\">consumers</span>' experiences with debt collection, approved under OMB control number 3170-0047, Debt Collection Survey from the <span class=\"match\">Consumer</span> Credit Panel, and published a report of the findings in January 2017 (CFPB Debt Collection <span class=\"match\">Consumer</span> Survey or <span class=\"match\">Consumer</span> Survey).\n 47 \n \n Distributed to <span class=\"match\">consumers</span> in December 2014, the survey asked <span class=\"match\">consumers</span> about their experiences with creditors and debt collectors over the prior year, including <span class=\"match\">disputes</span> and lawsuits, and"},{"title":"Inadmissibility on Public Charge Grounds","type":"Rule","abstract":"This final rule amends DHS regulations by prescribing how DHS will determine whether an alien applying for admission or adjustment of status is inadmissible to the United States under section 212(a)(4) of the Immigration and Nationality Act (INA or the Act), because he or she is likely at any time to become a public charge. The final rule includes definitions of certain terms critical to the public charge determination, such as \"public charge\" and \"public benefit,\" which are not defined in the statute, and explains the factors DHS will consider in the totality of the circumstances when making a public charge inadmissibility determination. The final rule also addresses USCIS' authority to issue public charge bonds under section 213 of the Act in the context of applications for adjustment of status. Finally, this rule includes a requirement that aliens seeking an extension of stay or change of status demonstrate that they have not, since obtaining the nonimmigrant status they seek to extend or change, received public benefits over the designated threshold, as defined in this rule. This rule does not create any penalty or disincentive for past, current, or future receipt of public benefits by U.S. citizens or aliens whom Congress has exempted from the public charge ground of inadmissibility. This rule does not apply to U.S. citizens, even if the U.S. citizen is related to an alien subject to the public charge ground of inadmissibility. The rule also does not apply to aliens whom Congress exempted from the public charge ground of inadmissibility (such as asylees, refugees, or other vulnerable populations listed as exempt in this final rule). Nor does this rule apply to aliens for whom DHS has statutory discretion to waive this ground of inadmissibility, if DHS has exercised such discretion. In addition, this includes special provisions for how DHS will consider the receipt of public benefits, as defined in this rule, by certain members of the U.S. Armed Forces and their families; certain international adoptees; and receipt of Medicaid in certain contexts, especially by aliens under the age of 21, pregnant women (and women for up to 60 days after giving birth), and for certain services funded by Medicaid under the Individuals with Disabilities Education Act (IDEA) or in a school setting. Aliens who might qualify for these exemptions should study the rule carefully to understand how the exemptions work. This final rule also clarifies that DHS will only consider public benefits received directly by the alien for the alien's own benefit, or where the alien is a listed beneficiary of the public benefit. DHS will not consider public benefits received on behalf of another. DHS also will not attribute receipt of a public benefit by one or more members of the alien's household to the alien unless the alien is also a listed beneficiary of the public benefit. This final rule supersedes the 1999 Interim Field Guidance on Deportability and Inadmissibility on Public Charge Grounds.","document_number":"2019-17142","html_url":"https://www.federalregister.gov/documents/2019/08/14/2019-17142/inadmissibility-on-public-charge-grounds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-08-14/pdf/2019-17142.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-17142.pdf?1565613924","publication_date":"2019-08-14","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"}],"excerpts":"212(a)(4), 8 U.S.C. 1182(a)(4).\n \n \n \n Comment: \n A few commenters said that if public charge determinations are made using credit reports or scores, it must be in compliance with user duties under the <span class=\"match\">FCRA</span>. Specifically, the commenters noted that the <span class=\"match\">FCRA</span> applies to USCIS as a Government agency,\n 693 \n \n and that <span class=\"match\">FCRA</span> requires persons to provide the <span class=\"match\">consumer</span> with a written notice if it takes an “adverse action” against that person “based in whole or in part” on a credit report.\n 694 \n \n A USCIS denial would qualify as an “adverse action” since it would"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is issuing this final rule establishing regulations creating consumer protections for certain consumer credit products and the official interpretations to the rule. First, the rule identifies it as an unfair and abusive practice for a lender to make covered short-term or longer- term balloon-payment loans, including payday and vehicle title loans, without reasonably determining that consumers have the ability to repay the loans according to their terms. The rule exempts certain loans from the underwriting criteria prescribed in the rule if they have specific consumer protections. Second, for the same set of loans along with certain other high-cost longer-term loans, the rule identifies it as an unfair and abusive practice to make attempts to withdraw payment from consumers' accounts after two consecutive payment attempts have failed, unless the consumer provides a new and specific authorization to do so. Finally, the rule prescribes notices to consumers before attempting to withdraw payments from their account, as well as processes and criteria for registration of information systems, for requirements to furnish and obtain information from them, and for compliance programs and record retention. The rule prohibits evasions and operates as a floor leaving State and local jurisdictions to adopt further regulatory measures (whether a usury limit or other protections) as appropriate to protect consumers.","document_number":"2017-21808","html_url":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-21808.pdf?1510839938","publication_date":"2017-11-17","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"loan and be able to meet the <span class=\"match\">consumer's</span> basic living expenses and other major financial obligations without needing to re-borrow over the ensuing 30 days. Specifically, a lender is required to: \n • Verify the <span class=\"match\">consumer's</span> net monthly income using a reliable record of income payment, unless a reliable record is not reasonably available; \n • Verify the <span class=\"match\">consumer's</span> monthly debt obligations using a national <span class=\"match\">consumer</span> report and a <span class=\"match\">consumer</span> report from a “registered information system” as described below; \n • Verify the <span class=\"match\">consumer's</span> monthly housing costs using"},{"title":"Arbitration Agreements","type":"Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to regulate arbitration agreements in contracts for specified consumer financial product and services. First, the final rule prohibits covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action concerning the covered consumer financial product or service. Second, the final rule requires covered providers that are involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau and also to submit specified court records. The Bureau is also adopting official interpretations to the regulation.","document_number":"2017-14225","html_url":"https://www.federalregister.gov/documents/2017/07/19/2017-14225/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-07-19/pdf/2017-14225.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-14225.pdf?1500381927","publication_date":"2017-07-19","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"Street Reform and <span class=\"match\">Consumer</span> Protection Act, the Bureau of <span class=\"match\">Consumer</span> Financial Protection (Bureau) is issuing this final rule to regulate arbitration agreements in contracts for specified <span class=\"match\">consumer</span> financial product and services. First, the final rule prohibits covered providers of certain <span class=\"match\">consumer</span> financial products and services from using an agreement with a <span class=\"match\">consumer</span> that provides for arbitration of any future <span class=\"match\">dispute</span> between the parties to bar the <span class=\"match\">consumer</span> from filing or participating in a class action concerning the covered <span class=\"match\">consumer</span> financial product"},{"title":"Joint Report to Congress: Economic Growth and Regulatory Paperwork Reduction Act","type":"Notice","abstract":"Pursuant to section 2222 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA), the Federal Financial Institutions Examination Council (FFIEC) is publishing a report entitled \"Joint Report to Congress, March 2017, Economic Growth and Regulatory Paperwork Reduction Act\" prepared by four of its constituent agencies: The Board of Governors of the Federal Reserve System (Board), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Association (NCUA).","document_number":"2017-06131","html_url":"https://www.federalregister.gov/documents/2017/03/30/2017-06131/joint-report-to-congress-economic-growth-and-regulatory-paperwork-reduction-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-03-30/pdf/2017-06131.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-06131.pdf?1490791525","publication_date":"2017-03-30","agencies":[{"raw_name":"FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL","name":"Federal Financial Institutions Examination Council","id":168,"url":"https://www.federalregister.gov/agencies/federal-financial-institutions-examination-council","json_url":"https://www.federalregister.gov/api/v1/agencies/168","parent_id":null,"slug":"federal-financial-institutions-examination-council"}],"excerpts":"billion. \n Two commenters asserted that the number of disclosures given to <span class=\"match\">consumers</span> should be reduced. The commenters stated that the volume of disclosures provided to <span class=\"match\">consumers</span> for a home loan was too large and resulted in <span class=\"match\">consumers</span> not reading the information provided. Both commenters stated that disclosures were difficult for <span class=\"match\">consumers</span> to comprehend. One commenter agreed with disclosing information to <span class=\"match\">consumers</span>, but suggested that the disclosures be simplified so that <span class=\"match\">consumers</span> can understand the information provided. \n \n Appendices \n Appendix 1:"},{"title":"Commercial Driver's License Drug and Alcohol Clearinghouse","type":"Rule","abstract":"FMCSA amends the Federal Motor Carrier Safety Regulations to establish requirements for the Commercial Driver's License Drug and Alcohol Clearinghouse (Clearinghouse), a database under the Agency's administration that will contain information about violations of FMCSA's drug and alcohol testing program for the holders of commercial driver's licenses (CDLs). This rule is mandated by the Moving Ahead for Progress in the 21st Century Act (MAP-21). It will improve roadway safety by identifying commercial motor vehicle (CMV) drivers who have committed drug and alcohol violations that render them ineligible to operate a CMV.","document_number":"2016-27398","html_url":"https://www.federalregister.gov/documents/2016/12/05/2016-27398/commercial-drivers-license-drug-and-alcohol-clearinghouse","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-12-05/pdf/2016-27398.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-27398.pdf?1480686325","publication_date":"2016-12-05","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":"will comply with applicable <span class=\"match\">FCRA</span> requirements; however, not all provisions in the <span class=\"match\">FCRA</span> apply to the Agency's administration of the Clearinghouse. Information that a prospective employer receives from the Clearinghouse during a pre-employment check is not subject to requirements on the use of “<span class=\"match\">consumer</span> reports” under the <span class=\"match\">FCRA</span>. While still subject to some <span class=\"match\">FCRA</span> requirements, as noted below, this type of “pre-employment” information on a prospective employee, solely considered for employment purposes and required by Federal regulation and law, qualifies"},{"title":"Arbitration Agreements","type":"Proposed Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), the Bureau of Consumer Financial Protection (Bureau) is proposing to establish 12 CFR part 1040, which would contain regulations governing two aspects of consumer finance dispute resolution. First, the proposed rule would prohibit covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action with respect to the covered consumer financial product or service. Second, the proposal would require a covered provider that is involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau. The Bureau proposes that the rulemaking would apply to certain consumer financial products and services. The Bureau is also proposing to adopt official interpretations to the proposed regulation.","document_number":"2016-10961","html_url":"https://www.federalregister.gov/documents/2016/05/24/2016-10961/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-24/pdf/2016-10961.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-10961.pdf?1464007523","publication_date":"2016-05-24","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"the Dodd-Frank Wall Street Reform and <span class=\"match\">Consumer</span> Protection Act (Pub. L. 111-203), the Bureau of <span class=\"match\">Consumer</span> Financial Protection (Bureau) is proposing to establish 12 CFR part 1040, which would contain regulations governing two aspects of <span class=\"match\">consumer</span> finance <span class=\"match\">dispute</span> resolution. First, the proposed rule would prohibit covered providers of certain <span class=\"match\">consumer</span> financial products and services from using an agreement with a <span class=\"match\">consumer</span> that provides for arbitration of any future <span class=\"match\">dispute</span> between the parties to bar the <span class=\"match\">consumer</span> from filing or participating in a class"},{"title":"Amendments to Civil Penalty Regulations","type":"Rule","abstract":"This rule amends the Office of Natural Resources Revenue (ONRR) civil penalty regulations by expanding the regulations to all Federal mineral leases onshore and on the Outer Continental Shelf (OCS), to all Federally-administered mineral leases on Indian Tribal and individual Indian mineral owners' lands, and to all easements, rights of way, and other agreements on the OCS; incorporating the civil penalty inflation adjustments pursuant to the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (the 2015 Act); clarifying and simplifying existing regulations for issuing a Notice of Noncompliance (NONC), Failure to Correct Civil Penalty Notice (FCCP), and Immediate Liability Civil Penalty Notice (ILCP); and providing notice that ONRR will post matrices for civil penalty assessments on its Web site.","document_number":"2016-17598","html_url":"https://www.federalregister.gov/documents/2016/08/01/2016-17598/amendments-to-civil-penalty-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-08-01/pdf/2016-17598.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-17598.pdf?1469796335","publication_date":"2016-08-01","agencies":[{"raw_name":"DEPARTMENT OF THE INTERIOR","name":"Interior Department","id":253,"url":"https://www.federalregister.gov/agencies/interior-department","json_url":"https://www.federalregister.gov/api/v1/agencies/253","parent_id":null,"slug":"interior-department"},{"raw_name":"Office of Natural Resources Revenue","name":"Natural Resources Revenue Office","id":586,"url":"https://www.federalregister.gov/agencies/natural-resources-revenue-office","json_url":"https://www.federalregister.gov/api/v1/agencies/586","parent_id":253,"slug":"natural-resources-revenue-office"}],"excerpts":"Safeco Insurance Co. of America \n v. \n Burr, \n 551 U.S. 47, 56-60 (2007), in which \n Safeco \n claimed that the word “\n willfully” \n in the civil provision of the Fair Credit Reporting Act (<span class=\"match\">FCRA</span>) cannot include recklessness because the criminal penalty provisions of the <span class=\"match\">FCRA</span> are triggered by actions that are engaged in knowingly and willfully. The Supreme Court <span class=\"match\">disagreed</span>, stating that “ . . . in the criminal law, `willfully' typically narrows the otherwise sufficient intent, making the government prove something extra, in contrast to its civil-law usage"},{"title":"Representation-Case Procedures","type":"Rule","abstract":"The National Labor Relations Board (the Board) has decided to issue this final rule for the purpose of carrying out the provisions of the National Labor Relations Act which \"protect[ ] the exercise by workers of full freedom of association, self-organization, and designation of representatives of their own choosing, for the purpose of negotiating the terms and conditions of their employment or other mutual aid or protection.\" While retaining the essentials of existing representation case procedures, these amendments remove unnecessary barriers to the fair and expeditious resolution of representation cases. They simplify representation-case procedures, codify best practices, and make them more transparent and uniform across regions. Duplicative and unnecessary litigation is eliminated. Unnecessary delay is reduced. Procedures for Board review are simplified. Rules about documents and communications are modernized in light of changing technology. In various ways, these amendments provide targeted solutions to discrete, specifically identified problems to enable the Board to better fulfill its duty to protect employees' rights by fairly, efficiently, and expeditiously resolving questions of representation.","document_number":"2014-28777","html_url":"https://www.federalregister.gov/documents/2014/12/15/2014-28777/representation-case-procedures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-12-15/pdf/2014-28777.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-28777.pdf?1418392226","publication_date":"2014-12-15","agencies":[{"raw_name":"NATIONAL LABOR RELATIONS BOARD","name":"National Labor Relations Board","id":355,"url":"https://www.federalregister.gov/agencies/national-labor-relations-board","json_url":"https://www.federalregister.gov/api/v1/agencies/355","parent_id":null,"slug":"national-labor-relations-board"}],"excerpts":"(79 FR at 7322, 7329), resolution of <span class=\"match\">disputes</span> concerning the eligibility or inclusion of individual employees ordinarily is not necessary in order to determine if a question of representation exists, and therefore <span class=\"match\">disputes</span> concerning individual employees' eligibility to vote and inclusion in the unit ordinarily need not be litigated or resolved before an election is conducted. Such <span class=\"match\">disputes</span> can be raised through challenges interposed during the election, if the <span class=\"match\">disputed</span> individuals cast a ballot, and such <span class=\"match\">disputes</span> can be both litigated and resolved"},{"title":"Program Integrity: Gainful Employment","type":"Rule","abstract":"The Secretary amends regulations on institutional eligibility under the Higher Education Act of 1965, as amended (HEA), and the Student Assistance General Provisions to establish measures for determining whether certain postsecondary educational programs prepare students for gainful employment in a recognized occupation, and the conditions under which these educational programs remain eligible under the Federal Student Aid programs authorized under title IV of the HEA (title IV, HEA programs).","document_number":"2014-25594","html_url":"https://www.federalregister.gov/documents/2014/10/31/2014-25594/program-integrity-gainful-employment","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-10-31/pdf/2014-25594.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-25594.pdf?1414673273","publication_date":"2014-10-31","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"accumulation of evidence of misrepresentations to <span class=\"match\">consumers</span> by for-profit institutions regarding their outcomes provides a sound basis for the Department to conclude that a strong accountability framework for assessing outcomes by objective measures is necessary to protect <span class=\"match\">consumers</span> from enrolling and borrowing more than they can afford to repay. The same accumulation of evidence demonstrates the need for requiring standardized, readily comparable disclosures of outcomes to <span class=\"match\">consumers</span>, to enable <span class=\"match\">consumers</span> to compare programs and identify those more likely"},{"title":"Asset-Backed Securities Disclosure and Registration","type":"Rule","abstract":"We are adopting significant revisions to Regulation AB and other rules governing the offering process, disclosure, and reporting for asset-backed securities (\"ABS\"). The final rules require that, with some exceptions, prospectuses for public offerings under the Securities Act of 1933 (\"Securities Act\") and ongoing reports under the Securities Exchange Act of 1934 (\"Exchange Act\") of asset-backed securities backed by real estate related assets, auto related assets, or backed by debt securities, including resecuritizations, contain specified asset-level information about each of the assets in the pool. The asset-level information is required to be provided according to specified standards and in a tagged data format using eXtensible Markup Language (\"XML\"). We also are adopting rules to revise filing deadlines for ABS offerings to provide investors with more time to consider transaction-specific information, including information about the pool assets. We are also adopting new registration forms tailored to ABS offerings. The final rules also repeal the credit ratings references in shelf eligibility criteria for ABS issuers and establish new shelf eligibility criteria.","document_number":"2014-21375","html_url":"https://www.federalregister.gov/documents/2014/09/24/2014-21375/asset-backed-securities-disclosure-and-registration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-09-24/pdf/2014-21375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-21375.pdf?1411476401","publication_date":"2014-09-24","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"guidance from the <span class=\"match\">Consumer</span> Financial Protection Bureau (“CFPB”) on the application of the Fair Credit Reporting Act (“<span class=\"match\">FCRA</span>”) \n 47 \n \n to the required disclosures. We believe these steps implement the statutory mandate of Section 7(c) and will provide investors with the asset-level information they need while reducing concerns about the potential re-identification risk associated with disclosing <span class=\"match\">consumers</span>' personal and financial information.\n 48 \n \n \n \n \n 47 \n  15 U.S.C. 1681 et seq. <span class=\"match\">FCRA</span> generally regulates the use of “<span class=\"match\">consumer</span> reports” furnished"},{"title":"Debt Collection (Regulation F)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (the Bureau) is seeking comment, data, and information from the public about debt collection practices. Debt collection affects a significant number of consumers and the Bureau is considering proposing rules relating to debt collection. Therefore, the Bureau is interested in learning through responses to this advance notice of proposed rulemaking (ANPR) about the debt collection system, about consumer experiences with the debt collection system, and about how rules for debt collectors might protect consumers without imposing unnecessary burdens on industry. The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 and the Bureau is the first Federal agency to possess the authority to issue substantive rules for debt collection under this statute. The Bureau may also address concerns related to debt collection using its authority under the Dodd-Frank Act to issue regulations concerning unfair, deceptive, and abusive acts or practices and to establish disclosures to assist consumers in understanding the costs, benefits, and risks associated with consumer financial products and services.","document_number":"2013-26875","html_url":"https://www.federalregister.gov/documents/2013/11/12/2013-26875/debt-collection-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2013-11-12/pdf/2013-26875.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2013-26875.pdf?1383918448","publication_date":"2013-11-12","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","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":"transfer or make available to debt buyers or third-party collectors information relating to: <span class=\"match\">Disputes</span> \n 84 \n \n (\n e.g., \n that a debt had been <span class=\"match\">disputed</span>, the nature of the <span class=\"match\">dispute</span>, whether the debt had or had not been verified, the manner in which it was verified, and any information or documentation provided by the <span class=\"match\">consumer</span> with the <span class=\"match\">dispute</span>); unusual or inconvenient places or times \n 85 \n \n for communications with the <span class=\"match\">consumer</span> (\n e.g., \n at the <span class=\"match\">consumer's</span> place of employment); \n 86 \n \n cease communications requests; \n 87 \n \n or attorney representation "}]}