{"description":"Documents matching 'lenders providing veterans stronger protections'","count":581,"total_pages":30,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=lenders+providing+veterans+stronger+protections&format=json&page=2","results":[{"title":"Loan Guaranty: Loan Reporting and Partial or Total Loss of Guaranty or Insurance","type":"Proposed Rule","abstract":"The Department of Veterans Affairs (VA) proposes to amend its regulations governing loan reporting requirements for lenders that participate in the VA-guaranteed home loan program and circumstances when VA would assert a defense for partial or total loss of guaranty or insurance for lenders and holders. These proposed amendments would support VA's ongoing efforts to modernize and transform technology and processes within the guaranteed home loan program, capitalizing on industry standard datasets. In addition, the proposed regulatory changes would update and enhance the loan guaranty reporting requirements for lenders, providing veterans stronger protections against noncompliant loans through improved transparency and oversight of the program.","document_number":"2024-26776","html_url":"https://www.federalregister.gov/documents/2024/11/20/2024-26776/loan-guaranty-loan-reporting-and-partial-or-total-loss-of-guaranty-or-insurance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-20/pdf/2024-26776.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-26776.pdf?1732023915","publication_date":"2024-11-20","agencies":[{"raw_name":"DEPARTMENT OF VETERANS AFFAIRS","name":"Veterans Affairs Department","id":520,"url":"https://www.federalregister.gov/agencies/veterans-affairs-department","json_url":"https://www.federalregister.gov/api/v1/agencies/520","parent_id":null,"slug":"veterans-affairs-department"}],"excerpts":"updating reporting requirements and connecting with <span class=\"match\">lenders</span> and holders through application programming interfaces (APIs). Utilizing APIs will more efficiently and effectively support <span class=\"match\">veterans</span>, <span class=\"match\">lenders</span>, servicers, and other stakeholders who participate in the VA-guaranteed home loan program. Specifically, VA would launch an API ecosystem in which VA and <span class=\"match\">veterans</span> would, through increased VA oversight capabilities, have <span class=\"match\">stronger</span> <span class=\"match\">protections</span> against noncompliant <span class=\"match\">lenders</span> and holders. Additionally, <span class=\"match\">lenders</span> and holders would have more assurance and confidence"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","document_number":"2025-19865","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"to agricultural <span class=\"match\">lending</span> to focus on conventional, generally applicable small business <span class=\"match\">lending</span> at this time, and to use its exemption authority under 15 U.S.C. 1691c-2(g)(2) to exclude agricultural <span class=\"match\">lending</span> from coverage under the rule. \n The CFPB seeks comment on this proposed revision to the rule. It seeks comment on topics including, but not limited to, the definition of agricultural <span class=\"match\">lending</span>; the extent to which agricultural <span class=\"match\">lending</span> differs from or resembles other types of <span class=\"match\">lending</span>; and whether specific types of agricultural <span class=\"match\">lending</span> are more or less"},{"title":"Protection of Federal Property","type":"Proposed Rule","abstract":"The Department of Homeland Security (DHS), in consultation with the U.S. General Services Administration (GSA), proposes to promulgate regulations for the protection of Federal property. Within DHS, Federal Protective Service (FPS) maintains responsibility for the protection of buildings, grounds, and property owned, occupied, or secured by the Federal government. The proposed rule would adopt and revise the language of related-GSA regulations, consistent with DHS' statutory authority, to provide charging options for violations occurring on and adjacent to Federal property, update prohibited conduct to incorporate advancing technology, provide clearer public notice, and apply the regulations uniformly to all Federal property.","document_number":"2024-31206","html_url":"https://www.federalregister.gov/documents/2025/01/15/2024-31206/protection-of-federal-property","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2024-31206.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31206.pdf?1736543718","publication_date":"2025-01-15","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":"with the <span class=\"match\">protection</span> of property owned or occupied by the Federal Government and persons on the property, including duty in areas outside the property to the extent necessary to protect the property and persons on the property.” 40 U.S.C. 1315(b)(1). \n \n Thereafter, in 2009, the DHS Secretary transferred FPS from Immigration and Customs Enforcement to the National <span class=\"match\">Protection</span> and Programs Directorate.\n 4 \n \n In 2018, Congress passed the Cybersecurity and Infrastructure Security Agency Act, Public Law 115-278, renaming the National <span class=\"match\">Protection</span> and Programs"},{"title":"Strengthening the Section 184 Indian Housing Loan Guarantee Program","type":"Rule","abstract":"This final rule amends the regulations governing the Section 184 Indian Housing Loan Guarantee Program (\"Section 184 Program\") to strengthen the program by clarifying rules for stakeholders. As the program has experienced an increase in demand, it is necessary that HUD update the Section 184 Program implementing regulations to minimize potential risk and increase program participation by financial institutions. This final rule adds participation and eligibility requirements for Lender Applicants, Direct Guarantee Lenders, Non- Direct Guarantee Lenders, Holders and Servicers and other financial institutions. This final rule clarifies the rules governing Tribal participation in the program, establishes underwriting requirements, specifies rules on the closing and endorsement process, establishes stronger and clearer servicing requirements, establishes program rules governing claims submitted by Servicers and paid by HUD, and adds standards governing monitoring, reporting, sanctions, and appeals. This final rule adds new definitions and makes statutory conforming amendments, including the categorical exclusion of the Section 184 Program in HUD's environmental review regulations. Ultimately, the changes made by this final rule promote program sustainability, increase Borrower protections, and provide clarity for new and existing Lenders who participate in the program. This final rule follows the publication of a proposed rule on December 21, 2022, and takes into consideration the comments received in response to that proposed rule and during the Tribal consultations.","document_number":"2024-05515","html_url":"https://www.federalregister.gov/documents/2024/03/20/2024-05515/strengthening-the-section-184-indian-housing-loan-guarantee-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-20/pdf/2024-05515.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-05515.pdf?1710852313","publication_date":"2024-03-20","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"financial statements may be needed. HUD also agrees with the comment that the denial of a license or government sanctions of a <span class=\"match\">lender</span> should be limited to the Direct Guarantee <span class=\"match\">Lender's</span> <span class=\"match\">lending</span> practices. HUD has revised § 1005.205(a)(8) to limit the <span class=\"match\">lender</span> certification to issues related to <span class=\"match\">lender's</span> <span class=\"match\">lending</span> activity.\n \n § 1005.213 Non-Direct Guarantee <span class=\"match\">Lender</span> Application, Approval, and Direct Guarantee <span class=\"match\">Lender</span> Sponsorship \n Commenters proposed that notification in § 1005.213(b)(3) and (8) be changed to “within 30 days” to conform to industry standard"},{"title":"Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations","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 modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations with significant trading activity (the proposal). The proposal would improve the regulatory capital framework for covered banking organizations by enhancing its risk sensitivity and consistency and by simplifying core components of its design. The agencies expect the proposal would support the safety and soundness of covered banking organizations and U.S. financial stability while promoting lending and other financial intermediation activities in the banking system over a range of economic conditions.","document_number":"2026-05959","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05959/regulatory-capital-rule-category-i-and-ii-banking-organizations-banking-organizations-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05959.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05959.pdf?1774529111","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":"described in the arrangement, allows the <span class=\"match\">protection</span> purchaser promptly to reduce the outstanding balance of the initial principal amount due to the <span class=\"match\">protection</span> provider by the loss of the <span class=\"match\">protection</span> purchaser on the reference exposures without input from the <span class=\"match\">protection</span> provider; and \n (8) Does not increase the <span class=\"match\">protection</span> purchaser's cost of credit <span class=\"match\">protection</span> in response to deterioration in the credit quality of any of the reference exposures. \n The <span class=\"match\">protection</span> amount of an eligible prepaid credit <span class=\"match\">protection</span> arrangement would be the effective notional"},{"title":"Daily Computation of Customer and Broker-Dealer Reserve Requirements Under the Broker-Dealer Customer Protection Rule","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is adopting amendments to the broker-dealer customer protection rule to require certain broker-dealers to perform their reserve computations for accounts of customers and proprietary accounts of broker-dealers and make any required deposits into their reserve bank accounts daily rather than weekly. The Commission also is adopting amendments to the broker-dealer net capital rule and customer protection rule to permit certain broker-dealers that perform a daily reserve computation for accounts of customers to reduce aggregate debit items (i.e., customer- related receivables) by 2% rather than 3% as part of the computation. Finally, the Commission is adopting technical amendments to the Financial and Operational Combined Uniform Single Report (\"FOCUS Report\") to conform it to the amendments with respect to the lowering of the debit reduction from 3% to 2%.","document_number":"2024-31178","html_url":"https://www.federalregister.gov/documents/2025/01/13/2024-31178/daily-computation-of-customer-and-broker-dealer-reserve-requirements-under-the-broker-dealer","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-13/pdf/2024-31178.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31178.pdf?1736516722","publication_date":"2025-01-13","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":"Securities and Exchange Commission (“Commission”) is adopting amendments to the broker-dealer customer <span class=\"match\">protection</span> rule to require certain broker-dealers to perform their reserve computations for accounts of customers and proprietary accounts of broker-dealers and make any required deposits into their reserve bank accounts daily rather than weekly. The Commission also is adopting amendments to the broker-dealer net capital rule and customer <span class=\"match\">protection</span> rule to permit certain broker-dealers that perform a daily reserve computation for accounts of customers"},{"title":"2026-2028 Enterprise Housing Goals","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2026 through 2028 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The proposed rule establishes benchmark levels for the housing goals for 2026 through 2028. The proposed rule replaces the two area- based subgoals with one low-income areas subgoal, simplifies the goal determination process, clarifies inflation adjustments to maximum civil money penalties related to housing goals, and makes other technical changes.","document_number":"2025-19428","html_url":"https://www.federalregister.gov/documents/2025/10/02/2025-19428/2026-2028-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-02/pdf/2025-19428.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19428.pdf?1759322734","publication_date":"2025-10-02","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"market, or a household eligible for a <span class=\"match\">Veterans</span> Administration loan may wish to use a product with no down payment requirement.\n 64 \n \n Financial institutions serving low- to moderate-income borrowers may also seek liquidity through Federal Home Loan Bank advances to best meet affordability needs.\n \n \n \n 63 \n  \n See \n FDIC, “Affordable Mortgage <span class=\"match\">Lending</span> Guide,” (October 2021), \n available at https://www.fdic.gov/affordable-mortgage-<span class=\"match\">lending</span>-center/affordable-mortgage-<span class=\"match\">lending</span>-guide. \n \n \n \n \n 64 \n  \n See \n <span class=\"match\">Veterans</span> United, “VA Loan Downpayment Requirements"},{"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":"financial system by amending the Fair Credit Reporting Act (FCRA) through the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).\n 1 \n \n In doing so, Congress “establish[ed] <span class=\"match\">strong</span> privacy <span class=\"match\">protections</span> for consumers' sensitive medical information,” \n 2 \n \n in line with the overarching privacy <span class=\"match\">protection</span> purpose of the FCRA.\n 3 \n \n As part of these <span class=\"match\">protections</span>, Congress generally limited a creditor's ability to obtain or use a consumer's medical information in connection with any determination of the consumer's eligibility, or continued eligibility"},{"title":"Suspended Counterparty Program","type":"Proposed Rule","abstract":"On July 21, 2023, the Federal Housing Finance Agency (FHFA) published a proposed rule to amend its Suspended Counterparty Program (SCP) regulation by expanding the categories of covered misconduct on which a suspension could be based to include sanctions arising from certain forms of civil enforcement. After reviewing the comments and reconsidering the proposed rule's substantive and procedural amendments, FHFA has determined that a number of material changes to the rule are necessary. Therefore, it is publishing this second proposed rule.","document_number":"2024-22393","html_url":"https://www.federalregister.gov/documents/2024/10/01/2024-22393/suspended-counterparty-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-01/pdf/2024-22393.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22393.pdf?1727700325","publication_date":"2024-10-01","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"Housing and Urban Development, U.S. Department of Agriculture, or U.S. Department of <span class=\"match\">Veterans</span> Affairs, where the agency had imposed a civil monetary penalty of at least $1,000,000.\n \n \n \n 5 \n  The enumerated Federal agencies are the Board of Governors of the Federal Reserve System (Federal Reserve), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), National Credit Union Administration (NCUA), Consumer Financial <span class=\"match\">Protection</span> Bureau (CFPB), Securities and Exchange Commission (SEC), and Commodity Futures Trading"},{"title":"Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) issues this rule to define larger participants of a market for general-use digital consumer payment applications. Larger participants of this market will be subject to the CFPB's supervisory authority under the Consumer Financial Protection Act (CFPA). A nonbank covered person qualifies as a larger participant if it facilitates an annual covered consumer payment transaction volume of at least 50 million transactions as defined in the rule, and it is not a small business concern.","document_number":"2024-27836","html_url":"https://www.federalregister.gov/documents/2024/12/10/2024-27836/defining-larger-participants-of-a-market-for-general-use-digital-consumer-payment-applications","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-27836.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27836.pdf?1733751918","publication_date":"2024-12-10","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"application. Such an impact is unlikely, given that the <span class=\"match\">lender's</span> own app-based <span class=\"match\">lending</span> activity can be excluded by paragraph (D) and the CFPB already supervises much of the <span class=\"match\">lending</span> activity in the credit card market.\n 233 \n \n Finally, with regard to market participants' investments in tokenization and anti-fraud <span class=\"match\">protections</span>, the commenter did not explain why larger participants would seek to offset the costs of CFPB examination by specifically reducing investment in anti-fraud <span class=\"match\">protections</span> or provide evidence or otherwise show that the rule would"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is seeking comments on a proposed rule that would address barriers to sustainable housing opportunities for underserved communities by codifying existing FHFA practices in regulation and adding new requirements related to fair lending, fair housing, and Equitable Housing Finance Plans. The proposed rule would improve FHFA's fulfillment of its statutory purposes and its oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Banks (Banks) (Fannie Mae and Freddie Mac collectively, the Enterprises; the Enterprises and the Banks collectively, regulated entities), and their fulfillment of their statutory purposes.","document_number":"2023-08602","html_url":"https://www.federalregister.gov/documents/2023/04/26/2023-08602/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-04-26/pdf/2023-08602.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-08602.pdf?1682426754","publication_date":"2023-04-26","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"INFORMATION CONTACT: \n \n James Wylie, Associate Director, Office of Fair <span class=\"match\">Lending</span> Oversight, (202) 649-3209, \n James.Wylie@fhfa.gov; \n Leda Bloomfield, Branch Chief for Policy and Equity, Office of Fair <span class=\"match\">Lending</span> Oversight, (202) 649-3415, \n Leda.Bloomfield@fhfa.gov; \n Annalyce Shufelt, Branch Chief for Fair <span class=\"match\">Lending</span> Law, Supervision, and Enforcement, (202) 717-1164, \n Annalyce.Shufelt@FHFA.gov \n ; or Sarah Friedman, Examination Specialist (Fair <span class=\"match\">Lending</span>), Office of Fair <span class=\"match\">Lending</span> Oversight, (202) 807-9324, \n Sarah.Friedman@FHFA.gov. \n These are not toll-free"},{"title":"Protecting Americans From Harmful Data Broker Practices (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a proposed rule for public comment to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA). The proposed rule would implement the FCRA's definitions of consumer report and consumer reporting agency as well as certain of the FCRA's provisions governing when consumer reporting agencies may furnish, and users may obtain, consumer reports. The proposed rule is designed to, among other things, ensure that the FCRA's protections are applied to sensitive consumer information that the statute was enacted to protect, including information sold by data brokers.","document_number":"2024-28690","html_url":"https://www.federalregister.gov/documents/2024/12/13/2024-28690/protecting-americans-from-harmful-data-broker-practices-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-13/pdf/2024-28690.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-28690.pdf?1734011119","publication_date":"2024-12-13","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"percent of all <span class=\"match\">lending</span> decisions.\n 97 \n \n Moreover, in assessing a consumer's eligibility for a mortgage loan, the nation's largest <span class=\"match\">lenders</span> consider, among other things, a prospective borrower's income (often by reviewing a consumer's W-2 statements, tax returns, and pay stubs), as well as the borrower's credit history and level of indebtedness \n \n (often by reviewing multiple or merged consumer reports).\n 98 \n \n Indeed, the government-sponsored entities that purchase a substantial portion of residential mortgage loans \n 99 \n \n require <span class=\"match\">lenders</span> to obtain"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is amending Regulation B to implement changes to the Equal Credit Opportunity Act (ECOA) made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Consistent with section 1071, covered financial institutions are required to collect and report to the CFPB data on applications for credit for small businesses, including those that are owned by women or minorities. The final rule also addresses the CFPB's approach to privacy interests and the publication of data; shielding certain demographic data from underwriters and other persons; recordkeeping requirements; enforcement provisions; and the rule's effective and compliance dates.","document_number":"2023-07230","html_url":"https://www.federalregister.gov/documents/2023/05/31/2023-07230/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-05-31/pdf/2023-07230.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-07230.pdf?1685450721","publication_date":"2023-05-31","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"entities that engage in small business <span class=\"match\">lending</span>, including depository institutions (\n i.e., \n banks, savings associations, and credit unions),\n 3 \n \n online <span class=\"match\">lenders</span>, platform <span class=\"match\">lenders</span>, community development financial institutions (both depository and nondepository institutions), Farm Credit System <span class=\"match\">lenders</span>, <span class=\"match\">lenders</span> involved in equipment and vehicle financing (captive financing companies and independent financing companies), commercial finance companies, governmental <span class=\"match\">lending</span> entities, and nonprofit nondepository <span class=\"match\">lenders</span>.\n 4 \n \n \n \n \n 3 \n  For purposes of"},{"title":"2025-2027 Enterprise Housing Goals","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a final rule on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2025 through 2027 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The final rule establishes the benchmark levels for the single-family and multifamily housing goals and subgoals for 2025 through 2027. The final rule also includes technical changes and factors FHFA will consider when determining whether an Enterprise would be required to submit a housing plan to FHFA should the Enterprise fail to meet three of the single-family housing goals.","document_number":"2024-30793","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-30793/2025-2027-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-30793.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30793.pdf?1735307121","publication_date":"2024-12-30","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"Consumer Financial <span class=\"match\">Protection</span> Bureau, June 29, 2023, \n available at https://www.consumerfinance.gov/data-research/hmda/summary-of-2022-data-on-mortgage-<span class=\"match\">lending</span>/. \n \n \n \n \n 44 \n  “Summary of 2023 Data on Mortgage <span class=\"match\">Lending</span>,” Consumer Financial <span class=\"match\">Protection</span> Bureau, July 11, 2024, \n available at https://www.consumerfinance.gov/data-research/hmda/summary-of-2023-data-on-mortgage-<span class=\"match\">lending</span>/. \n \n \n \n \n 45 \n  Moody's Analytics, “Economic Data and Forecasts,” August 2024.\n \n \n \n Furthermore, this observation from Moody's February 2024 forecast is still applicable: “Life"},{"title":"Federal Housing Administration (FHA): Single Family Sale Program","type":"Rule","abstract":"This rule amends the requirements for the sale of eligible single family mortgage loans insured by the Federal Housing Administration (FHA) that have been assigned to the Secretary of the Department of Housing and Urban Development (HUD) in exchange for claim payments. The mortgage notes are sold, without FHA insurance, to qualified purchasers in a manner that seeks to maximize recoveries and strengthen HUD's Mutual Mortgage Insurance Fund (MMIF) and to achieve HUD's operational goals for the MMIF. This rule transitions the pilot Single Family Sale Program from a demonstration to a permanent program and removes existing Disposition of HUD-Acquired and -Owned Single Family Property regulations, which provided for a retired program that handled the sale of HUD-held single family mortgage loans.","document_number":"2024-28706","html_url":"https://www.federalregister.gov/documents/2024/12/11/2024-28706/federal-housing-administration-fha-single-family-sale-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-11/pdf/2024-28706.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-28706.pdf?1733838316","publication_date":"2024-12-11","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"private investors will continue to participate alongside nonprofits due to capacity constraints within the nonprofit sector, HUD is committed to exploring avenues to balance investor involvement with <span class=\"match\">strong</span> borrower <span class=\"match\">protections</span> and community-focused objectives. To this end, HUD will continue to enforce borrower <span class=\"match\">protections</span> and enhance transparency by <span class=\"match\">providing</span> public reporting on program outcomes. \n HUD remains dedicated to reviewing feedback on how best to support nonprofit organizations while ensuring private investor participation aligns with HUD's"},{"title":"Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL","type":"Proposed Rule","abstract":"The Board is inviting public comment on the models used to conduct the Board's supervisory stress test, changes to those models to be implemented in the 2026 stress test, and proposed changes to enhance the transparency and public accountability of the Board's stress testing framework (the proposal). The proposal would amend the Policy Statement on the Scenario Design Framework for Stress Testing, including to implement guides for additional scenario variables, and the Stress Testing Policy Statement. The proposal would also codify an enhanced disclosure process under which the Board would annually publish comprehensive documentation on the stress test models, invite public comment on any material changes that the Board seeks to make to those models, and annually publish the stress test scenarios for comment. Lastly, the proposal would make changes to the FR Y-14A/Q/M to remove items that are no longer needed to conduct the supervisory stress test and to collect additional data to support the stress test models and improve risk capture.","document_number":"2025-20211","html_url":"https://www.federalregister.gov/documents/2025/11/18/2025-20211/enhanced-transparency-and-public-accountability-of-the-supervisory-stress-test-models-and-scenarios","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-18/pdf/2025-20211.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-20211.pdf?1763387141","publication_date":"2025-11-18","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":"distress or failure, or ongoing activities, of large, interconnected financial institutions.\n \n \n \n 2 \n  Dodd-Frank Wall Street Reform and Consumer <span class=\"match\">Protection</span> Act, Public Law 111-203, 124 Stat. 1376 (2010).\n \n \n \n \n 3 \n  Economic Growth, Regulatory Relief, and Consumer <span class=\"match\">Protection</span> Act, Public Law 115-174, 132 Stat. 1296 (2018).\n \n \n \n \n 4 \n  \n See \n 12 U.S.C. 5365(a). In addition, the International <span class=\"match\">Lending</span> Supervision Act of 1983 provides the Board with broad discretionary authority to set minimum capital levels for state member banks and certain affiliates"},{"title":"HUD's Implementation of OMB's Guidance for Federal Financial Assistance","type":"Proposed Rule","abstract":"The U.S. Department of Housing and Urban Development (HUD) is proposing to amend its regulations on Federal financial assistance to conform with 2020 and 2024 changes to Office of Management and Budget (OMB) guidance governing Federal financial assistance (previously called grants and agreements). The proposed amendments would implement the guidance and update cross-references to OMB provisions that have been renumbered or reorganized. HUD is also proposing changes to improve some grant management and administrative program regulations based on HUD's experience implementing OMB's regulations and guidance in existing entitlement, discretionary, and other programs involving grant management and administration. Finally, HUD is proposing changes to its Title VI, Section 108, Section 184, and Section 184A loan guarantee program regulations to address OMB's changes for loan guarantee programs regarding System for Award Management (SAM.gov) registration and to clarify that the Section 184 and Section 184A programs are subject to audit requirements in OMB's regulations and final guidance. All these changes will improve HUD's processes for awarding Federal financial assistance and align HUD's regulations with governmentwide efforts to adopt consistent and standardized terms and data elements, implement data- and risk-based frameworks, reduce Federal agency and recipient burdens, promote consistent interpretations of OMB's regulations and guidance, and improve and maximize agencies' ability to assess performance of recipients.","document_number":"2024-30260","html_url":"https://www.federalregister.gov/documents/2024/12/31/2024-30260/huds-implementation-of-ombs-guidance-for-federal-financial-assistance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-31/pdf/2024-30260.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30260.pdf?1735566309","publication_date":"2024-12-31","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"guarantee from the Federal agency, including for-profit <span class=\"match\">lenders</span> participating in loan guarantee programs, are required to register in \n SAM.gov. \n These <span class=\"match\">lenders</span> are also required to complete entity validations and acquire a UEI. Finally, a Federal agency may require non-individual beneficiary borrowers, including small businesses or corporations, to obtain a UEI or register in \n SAM.gov. \n There is no change to the underlying requirements, but OMB has clarified that applicability extends to <span class=\"match\">lenders</span> participating in loan guarantee programs.\n \n \n • OMB"},{"title":"Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; Regulation X","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is proposing a rule that would amend regulations originally issued in 2013 regarding the responsibilities of mortgage servicers. The proposed amendments would streamline existing requirements when borrowers seek payment assistance in times of distress, add safeguards when borrowers seek help, and revise existing requirements with respect to borrower assistance. The proposed rule would also require servicers to provide certain communications in languages other than English, such as when a borrower is seeking payment assistance with their mortgage. The proposed rule, if finalized, would increase the likelihood that investors and borrowers can avert the costs of avoidable foreclosure.","document_number":"2024-15475","html_url":"https://www.federalregister.gov/documents/2024/07/24/2024-15475/streamlining-mortgage-servicing-for-borrowers-experiencing-payment-difficulties-regulation-x","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15475.pdf?1721738712","publication_date":"2024-07-24","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":"benefit consumers significantly by <span class=\"match\">providing</span> them with foreclosure <span class=\"match\">protections</span> more quickly. Under the proposed rule, borrowers would have <span class=\"match\">protection</span> from foreclosure as soon as they indicate that they need mortgage assistance as opposed to waiting until an application is complete. This means most borrowers would receive foreclosure <span class=\"match\">protections</span> earlier in the process. Moreover, because many borrowers do not complete a loss mitigation application under the existing rules, these borrowers would receive foreclosure <span class=\"match\">protections</span> under the proposed rule, which"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide 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":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","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":"sensitive nature of such information, Congress acted to limit the use and sharing of medical information in the financial system.\n 1 \n \n Congress did so in order to “establish <span class=\"match\">strong</span> privacy <span class=\"match\">protections</span> for consumers' sensitive medical information,” in line with the overarching privacy <span class=\"match\">protection</span> purpose of the Fair Credit Reporting Act (FCRA).\n 2 \n \n As part of these <span class=\"match\">protections</span>, Congress restricted a creditor's ability to obtain or use a consumer's medical information in connection with any determination of the consumer's eligibility, or continued"},{"title":"Enhancing Program Access and Delivery for Farm Loans","type":"Rule","abstract":"The Farm Service Agency (FSA) is amending the Farm Loan Programs (FLP) regulations to implement the Distressed Borrower Set- Aside (DBSA) Program and other changes. DBSA will provide a new loan servicing program for financially distressed borrowers that will allow for the deferral of one annual loan installment at a reduced interest rate. DBSA will provide a simpler option to resolve financial distress than existing loan servicing programs. In addition to helping borrowers by adding DBSA as a new loan servicing program, FSA is amending the FLP regulations to revise loan making and servicing to improve program access and delivery. This rule is part of FSA's ongoing efforts for farm loans to remove barriers to capital access and increase opportunities for borrowers to be successful.","document_number":"2024-16828","html_url":"https://www.federalregister.gov/documents/2024/08/08/2024-16828/enhancing-program-access-and-delivery-for-farm-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-08/pdf/2024-16828.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16828.pdf?1723034719","publication_date":"2024-08-08","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"}],"excerpts":"debt of another <span class=\"match\">lender</span>. When the <span class=\"match\">lender</span> requesting the guarantee is limited only to refinancing the debt of another <span class=\"match\">lender</span>, and not its own non-guaranteed debt, the <span class=\"match\">lender</span> faces the risk of the borrower going to a different <span class=\"match\">lender</span> to refinance the non-guaranteed debt of the current guaranteed <span class=\"match\">lender</span>. The new <span class=\"match\">lender</span> could then apply for an FSA guarantee and a subordination of the direct loan, while the existing <span class=\"match\">lender</span> will lose its borrower. This amendment to 7 CFR 762.142(c) allows a subordination of direct loan debt when a <span class=\"match\">lender</span> requests a guarantee"}]}