{"description":"Documents matching 'regarding information must disclosed consumer'","count":10000,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=regarding+information+must+disclosed+consumer&format=json&page=2","results":[{"title":"Notice Regarding Investigatory and Enforcement Policies and Procedures of the Office of Aviation Consumer Protection","type":"Notice","abstract":"The U.S. Department of Transportation is proposing to revise and update the investigatory and enforcement policies and practices of its Office of Aviation Consumer Protection (OACP), including the sanctions brought by OACP for non-compliance with aviation consumer protection requirements.","document_number":"2025-24282","html_url":"https://www.federalregister.gov/documents/2026/01/06/2025-24282/notice-regarding-investigatory-and-enforcement-policies-and-procedures-of-the-office-of-aviation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-06/pdf/2025-24282.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-24282.pdf?1767620706","publication_date":"2026-01-06","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"on December 31, 2025. \n Blane A. Workie, \n Assistant General Counsel, Office of Aviation Consumer Protection, U.S. Department of Transportation. \n \n Notice Regarding Investigatory and Enforcement Policies and Procedures \n The U.S. Department of Transportation's Office of Aviation Consumer Protection (OACP), a unit within the Office of the General Counsel, is responsible for monitoring airline and ticket agent compliance with the Department's aviation consumer protection, civil rights, and economic licensing requirements. The office has broad authority"},{"title":"Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public to better understand how companies that offer or provide consumer financial products or services collect, use, share, and protect consumers' personal financial data, such as data harvested from consumer payments. The submissions in response to this request for information will serve to assist the CFPB and policymakers in further understanding the current state of the business practices at these companies and the concerns of consumers as the CFPB exercises its enforcement, supervision, regulatory, and other authorities.","document_number":"2025-00811","html_url":"https://www.federalregister.gov/documents/2025/01/15/2025-00811/request-for-information-regarding-the-collection-use-and-monetization-of-consumer-payment-and-other","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00811.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00811.pdf?1736862345","publication_date":"2025-01-15","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"the GLBA protect consumers' “nonpublic personal information”—a term that the GLBA defines broadly.\n 6 \n \n The GLBA limits the extent to which financial institutions can disclose nonpublic personal information to nonaffiliated third parties,\n 7 \n \n and also restricts how downstream recipients of such \n \n consumer data can use or further disclose that data.\n 8 \n \n \n \n \n 6 \n 15 U.S.C. 6802(a)-(b); \n see also \n 15 U.S.C. 6809(4) (defining “nonpublic personal information”); 12 CFR 1016.3(p)-(q) (defining “nonpublic personal information” and “personally"},{"title":"Request for Information Regarding Promoting Access to Mortgage Credit","type":"Proposed Rule","abstract":"This notice requests information from the public about potential regulatory changes that may reduce regulatory burdens and promote access to mortgage credit, as appropriate and consistent with applicable law. The Consumer Financial Protection Bureau (Bureau or CFPB) seeks to reduce unwarranted regulatory burdens to ensure that creditworthy borrowers can access mortgage credit. Specifically, the CFPB is requesting information on industry and consumer burdens related to the integrated mortgage disclosures under the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) (TILA-RESPA integrated disclosures or TRID), the right of rescission, and reverse mortgage disclosures.","document_number":"2026-13834","html_url":"https://www.federalregister.gov/documents/2026/07/09/2026-13834/request-for-information-regarding-promoting-access-to-mortgage-credit","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13834.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13834.pdf?1783514709","publication_date":"2026-07-09","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"disclosure inaccurate, the creditor must provide corrected disclosures before consummation. However, if subsequent events cause the APR to exceed certain tolerances, the creditor must provide a corrected disclosure that the consumer must receive at least three business days before consummation. For open-end reverse mortgages, creditors must provide disclosures on or with an application that contains information about the creditor's open-end reverse mortgage plans. These disclosures do not include information dependent on a specific borrower's creditworthiness"},{"title":"Improving Customer Service and Protecting Consumers Through Onshoring","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes actions that would encourage and facilitate the onshoring of foreign call centers. Specifically, the Commission proposes rules and otherwise explore ways to improve customer service communications and better protect consumers' sensitive personal information by limiting use of foreign call centers and by improving standards applicable to a company's remaining foreign call center operations. It also seeks comment on extending these protections to modes of customer service communications other than calls, such as emails, texts, and on-line chats, and on ideas to deter scam and other unlawful calls made to the United States from foreign countries. Finally, it explore steps we can take to financially deter unlawful foreign-originated calls, such as bond requirements. The Commission proposes to apply these requirements to providers of telecommunications services, CMRS, interconnected VoIP service, cable television service, and DBS services, or affiliates of such providers. It also proposes to apply these requirements to the use of foreign call centers for consumer communications relating to internet access service offered by any of the foregoing providers or their affiliates and seeks comment on whether it should extend some or all of the proposed rules to providers of other types of services.","document_number":"2026-07960","html_url":"https://www.federalregister.gov/documents/2026/04/23/2026-07960/improving-customer-service-and-protecting-consumers-through-onshoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-23/pdf/2026-07960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07960.pdf?1776861922","publication_date":"2026-04-23","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"we traditionally have focused our consumer protection efforts. Inbound calls easily can become outbound calls, such as when a consumer's call is answered initially by an Interactive Voice Response (IVR) system that allows the consumer to choose to have the IVR system hold the consumer's place in line and call the consumer back. And problems, such as communication barriers and protection of sensitive consumer information, exist regardless of whether a consumer calls the provider or the provider calls a consumer. \n \n Establishing English Proficiency"},{"title":"Disclosure of Information","type":"Proposed Rule","abstract":"The Federal Deposit Insurance Corporation (FDIC) is inviting comment on a notice of proposed rulemaking that would update, clarify, and supplement the FDIC's regulations regarding the disclosure of confidential information by the FDIC and other parties, including by enhancing the ability of insured depository institutions to share confidential supervisory information with affiliates and certain other entities for appropriate business purposes, without seeking prior authorization from the FDIC. The proposal also would significantly simplify and clarify the requirements and restrictions applicable to the FDIC's discretionary disclosure of confidential information. Finally, the proposal would update and simplify the FDIC's rules regarding disclosures required under the Freedom of Information Act and would clarify how and when FDIC information may be disclosed in connection with legal proceedings and as a result of service of process made upon the FDIC and its directors, officers, and employees.","document_number":"2026-13123","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13123/disclosure-of-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13123.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13123.pdf?1782737111","publication_date":"2026-06-30","agencies":[{"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":"FDIC's regulations sets forth the FDIC's policies regarding the information it maintains and the procedures for obtaining access to such information. Part 309 addresses, among other information disclosures, both requests from the public for FDIC information subject to FOIA and requests from insured depository institutions and other parties to disclose FDIC confidential information to third parties or to receive such information from the FDIC. As noted in section I of this Supplemental Information, part 309 has not been significantly amended in approximately"},{"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":"(last visited Dec. 2, 2024).\n \n \n Medical Debt and Consumer Reporting \n \n Information about medical debt is used in different ways in the financial system. Consumer reporting agencies play a key role in assembling and evaluating consumer credit and other information on consumers \n 24 \n \n —including information about a consumer's medical debt—and in providing consumer reports to other companies for employment, housing, insurance, and other decisions.\n 25 \n \n Medical debt information on a consumer report can increase the cost and reduce the availability"},{"title":"Andean Trade Preference Act: Impact on U.S. Industries and Consumers and on Drug Crop Eradication and Crop Substitution, 2025","type":"Notice","abstract":"Section 206 of the ATPA requires the Commission to report biennially to Congress and the President by September 30 of each reporting year on the economic impact of the ATPA on U.S. industries and U.S. consumers, and on the effectiveness of the ATPA in promoting drug-related crop eradication and crop substitution efforts by beneficiary countries.","document_number":"2026-13439","html_url":"https://www.federalregister.gov/documents/2026/07/02/2026-13439/andean-trade-preference-act-impact-on-us-industries-and-consumers-and-on-drug-crop-eradication-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-02/pdf/2026-13439.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13439.pdf?1782909923","publication_date":"2026-07-02","agencies":[{"raw_name":"INTERNATIONAL TRADE COMMISSION","name":"International Trade Commission","id":262,"url":"https://www.federalregister.gov/agencies/international-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/262","parent_id":null,"slug":"international-trade-commission"}],"excerpts":"written submissions and other information concerning the matters to be addressed in this investigation. All written submissions should be addressed to the Secretary, and should be received no later than 5:15 p.m., July 17, 2026. All written submissions must conform to the provisions of section 201.8 of the Commission's \n Rules of Practice and Procedure \n (19 CFR 201.8). Filings must be made through the Commission's Electronic Document Information System (EDIS, \n https://edis.usitc.gov \n ). Persons with questions regarding electronic filing should contact"},{"title":"Implications of Artificial Intelligence Technologies on Protecting Consumers From Unwanted Robocalls and Robotexts","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) proposes steps to protect consumers from the abuse of Artificial Intelligence (AI) in robocalls alongside actions that clear the path for positive uses of AI, including its use to improve access to the telephone network for people with disabilities. Specifically, the document proposes to: define AI-generated calls, adopt new rules that would require callers disclose to consumers when they receive an AI-generated call, adopt protections for consumers to ensure that callers adequately apprise them of their use of AI- generated calls when consumers affirmatively consent to receive such calls, adopt protections to ensure that positive uses of AI that have already helped people with disabilities use the telephone network can thrive without threat of Telephone Consumer Protection Act (TCPA) liability. The document also seeks additional comment and information on developing technologies that can alert consumers to unwanted or illegal calls and texts, including AI-generated calls.","document_number":"2024-19028","html_url":"https://www.federalregister.gov/documents/2024/09/10/2024-19028/implications-of-artificial-intelligence-technologies-on-protecting-consumers-from-unwanted-robocalls","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-10/pdf/2024-19028.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19028.pdf?1725885915","publication_date":"2024-09-10","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"202-418-0530 or TTY: 202-418-0432.\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n For further information, please contact Richard D. Smith, Attorney Advisor, Consumer Policy Division, Consumer and Governmental Affairs Bureau, at \n Richard.Smith@fcc.gov \n or (717) 338-2797 or Noah Cherry, Attorney Advisor, Consumer Policy Division, Consumer and Governmental Affairs Bureau, at \n Noah.Cherry@fcc.gov \n or (202) 418-7835. For additional information concerning the Paperwork Reduction Act proposed information collection requirements contained in this document"},{"title":"Trade Regulation Rule on the Use of Consumer Reviews and Testimonials","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing this final rule and Statement of Basis and Purpose (\"SBP\") relating to certain specified unfair or deceptive acts or practices involving consumer reviews or testimonials. This final rule, among other things, prohibits selling or purchasing fake consumer reviews or testimonials, buying positive or negative consumer reviews, certain insiders creating consumer reviews or testimonials without clearly disclosing their relationships, creating a company-controlled review website that falsely purports to provide independent reviews, certain review suppression practices, and selling or purchasing fake indicators of social media influence.","document_number":"2024-18519","html_url":"https://www.federalregister.gov/documents/2024/08/22/2024-18519/trade-regulation-rule-on-the-use-of-consumer-reviews-and-testimonials","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-22/pdf/2024-18519.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-18519.pdf?1724244318","publication_date":"2024-08-22","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"the visual portion.\n \n \n \n 139 \n \n Id. \n \n \n d. Consumer Review \n \n The proposed rule defined “consumer review” as “a consumer's evaluation, or a purported consumer's evaluation, of a product, service, or business that is \n \n submitted by the consumer or purported consumer and that is published to a website or platform dedicated in whole or in part to receiving and displaying such evaluations.” The proposed definition also noted that, for the purposes of the rule, consumer reviews include consumer ratings regardless of whether they include any text"},{"title":"Agency Information Collection Activities; Proposed Collection; Comment Request; Extension","type":"Notice","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is seeking public comment on its proposal to extend for an additional three years the Office of Management and Budget clearance for information collection requirements of its Affiliate Marketing Rule, which applies to certain motor vehicle dealers, and its shared enforcement with the Consumer Financial Protection Bureau (\"CFPB\") of the provisions (subpart C) of the CFPB's Regulation V regarding other entities (\"CFPB Rule\"). The current clearance expires on April 30, 2026.","document_number":"2025-23696","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23696/agency-information-collection-activities-proposed-collection-comment-request-extension","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23696.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23696.pdf?1766411116","publication_date":"2025-12-23","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"Rule (“Rule”) requires covered entities to provide consumers with notice and an opportunity to opt out of the use of certain information before sending marketing solicitations. The Rule generally provides that, if a company communicates certain information about a consumer (eligibility information) to an affiliate, the affiliate may not use it to make or send solicitations to the consumer unless the consumer is given notice and a reasonable opportunity to opt out of such use of the information and does not opt out. \n \n To minimize compliance costs"},{"title":"Protecting Our Communications Networks by Promoting Transparency Regarding Foreign Adversary Control","type":"Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) addresses the risks of foreign adversary control of Commission-granted licenses and authorizations by adopting rules requiring a broad range of holders of such licenses, authorizations, or approvals to attest whether they are owned by, controlled by, or subject to the jurisdiction or direction of a foreign adversary, and, if so, to disclose additional information about such foreign adversary control. Among other things, the Commission defines categories of licenses and authorizations that are subject to the rules, and establishes a streamlined process by which license and authorization holders should file their foreign adversary control attestations and disclosures.","document_number":"2026-06992","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06992/protecting-our-communications-networks-by-promoting-transparency-regarding-foreign-adversary-control","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06992.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06992.pdf?1775738718","publication_date":"2026-04-10","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"applicants seeking an ISPC must include in the application, among other things, a statement regarding the nature of the use of the ISPC(s) in the network; a network diagram that shows how the ISPC(s) will be used; a statement regarding the signaling point manufacturer/type; and the physical address where the ISPC(s) will be located. While applicants must provide this information, the Commission currently does not obtain information about their ownership or control. As a result, the Commission does not have up-to-date information as to whether ISPC holders"},{"title":"Request for Information Regarding the Prescription Drug Machine-Readable File Requirement in the Transparency in Coverage Final Rule","type":"Proposed Rule","abstract":"This document is a request for information (RFI) regarding the prescription drug machine-readable file disclosure requirements in the Transparency in Coverage final rules. The Departments of Labor, Health and Human Services (HHS), and the Treasury (the Departments) are issuing this RFI to gather input regarding implementation of the prescription drug machine-readable file disclosure requirements under the Transparency in Coverage final rules, including what modifications to the disclosure requirements or additional technical implementation guidance might be necessary to better ensure the accurate and timely completion of the prescription drug file.","document_number":"2025-09858","html_url":"https://www.federalregister.gov/documents/2025/06/02/2025-09858/request-for-information-regarding-the-prescription-drug-machine-readable-file-requirement-in-the","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-02/pdf/2025-09858.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-09858.pdf?1748609111","publication_date":"2025-06-02","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":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"},{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"},{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"}],"excerpts":"consideration, comments must be received at one of the addresses provided below by July 2, 2025. \n \n \n ADDRESSES: \n Written comments may be submitted to the address specified below. Any comment that is submitted will be shared among the Departments. Please do not submit duplicates. \n Comments will be made available to the public. Warning: Do not include any personally identifiable information (such as name, address, or other contact information) or confidential business information that you do not want publicly disclosed. All comments are posted"},{"title":"Agency Information Collection Activities: Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB or Bureau) requests the Office of Management and Budget's (OMB's) extension of an information collection titled \"Truth in Savings (Regulation DD)\" approved under OMB Control Number 3170-0004.","document_number":"2026-03620","html_url":"https://www.federalregister.gov/documents/2026/02/24/2026-03620/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-24/pdf/2026-03620.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03620.pdf?1771854311","publication_date":"2026-02-24","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":"notice to \n www.reginfo.gov/public/do/PRAMain. \n Find this particular information collection by selecting “Currently under 30-day Review—Open for Public Comments” or by using the search function. In general, all comments received will become public records, including any personal information provided. Sensitive personal information, such as account numbers or Social Security numbers, should not be included.\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n Requests for additional information should be directed to Anthony May, Paperwork Reduction Act Officer"},{"title":"Protecting Consumers From Unauthorized Carrier Changes and Related Unauthorized Charges: Truth-in-Billing and Billing Format","type":"Proposed Rule","abstract":"In this Notice of Proposed Rulemaking (NPRM), the Commission seeks comment on whether the current slamming and truth-in-billing rules remain necessary today to protect consumers. The Commission proposes changes to modernize and simplify these rules to reflect the evolution of the telecommunications marketplace, retain core consumer protections against unauthorized carriers switches and charges, and reduce regulatory burdens. The Commission seeks comment on whether the slamming rules remain necessary, and if such rules are necessary, the document proposes to modernize and streamline the current rules consistent with the statutory requirements of section 258 of the Communications Act of 1934, as amended (the Act). The Commission seeks comment on whether the truth-in-billing rules remain necessary and if such rules are necessary, the Commission seeks comment on streamlining them.","document_number":"2025-16089","html_url":"https://www.federalregister.gov/documents/2025/08/22/2025-16089/protecting-consumers-from-unauthorized-carrier-changes-and-related-unauthorized-charges","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-22/pdf/2025-16089.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16089.pdf?1755780349","publication_date":"2025-08-22","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"20701. All hand deliveries must be held together with rubber bands or fasteners. Any envelopes and boxes must be disposed of before entering the building. \n \n People with Disabilities. \n To request materials in accessible formats for people with disabilities (Braille, large print, electronic files, audio format), send an email to \n FCC504@fcc.gov \n or call the Consumer and Governmental Affairs Bureau at 202-418-0530 (voice).\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n Mika Savir of the Consumer Policy Division, Consumer and Governmental Affairs Bureau"},{"title":"Agency Information Collection Activities: Comment Request","type":"Notice","abstract":"In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (CFPB) is requesting to extend the Office of Management and Budget's (OMB's) approval for an existing information collection titled \"Truth in Savings (Regulation DD)\" approved under OMB Control Number 3170-0004.","document_number":"2025-22440","html_url":"https://www.federalregister.gov/documents/2025/12/10/2025-22440/agency-information-collection-activities-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-10/pdf/2025-22440.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22440.pdf?1765287914","publication_date":"2025-12-10","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":"depository institutions, and strengthen consumer ability to make informed decisions regarding deposit accounts by requiring uniformity in the disclosure of interest rates and fees. TISA assists consumers in comparing deposit accounts offered by depository institutions, principally through the disclosure of fees, the annual percentage yield, the interest rate, and other account terms. TISA and Regulation DD require depository institutions to disclose yields, fees, and other terms concerning deposit accounts to consumers at account opening, upon request"},{"title":"Enhancing Transparency of Airline Ancillary Service Fees","type":"Rule","abstract":"The U.S. Department of Transportation (Department or DOT) is issuing a final rule to strengthen protections for consumers by ensuring that they have access to fee information for transporting baggage and changing or canceling a flight before ticket purchase. Under the final rule, U.S. air carriers, foreign air carriers, and ticket agents must clearly disclose passenger-specific or itinerary- specific fees for these services to consumers whenever fare and schedule information is provided for flights to, within, and from the United States. The Department is further requiring that carriers provide useable, current, and accurate information regarding fees for these critical ancillary services to any entity that is required to disclose critical ancillary service fee information to consumers. This final rule is in response to the Executive order on Promoting Competition in the American Economy, which directs the Department to take various actions to promote the interests of American workers, businesses, and consumers. The rule will ensure that consumers have the information they need to understand the true costs of air transportation that apply to them, which will create a more competitive market with better outcomes for consumers.","document_number":"2024-08609","html_url":"https://www.federalregister.gov/documents/2024/04/30/2024-08609/enhancing-transparency-of-airline-ancillary-service-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-30/pdf/2024-08609.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08609.pdf?1714398253","publication_date":"2024-04-30","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"for consumers by ensuring that they have access to fee information for transporting baggage and changing or canceling a flight before ticket purchase. Under the final rule, U.S. air carriers, foreign air carriers, and ticket agents must clearly disclose passenger-specific or itinerary-specific fees for these services to consumers whenever fare and schedule information is provided for flights to, within, and from the United States. The Department is further requiring that carriers provide useable, current, and accurate information regarding fees"},{"title":"Consumer Financial Protection Circular 2024-07: Design, Marketing, and Administration of Credit Card Rewards Programs","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2024-07 titled, \"Design, marketing, and administration of credit card rewards programs.\" In this circular, the CFPB responds to the question, \"Can credit card issuers violate the law if they or their rewards partners devalue earned rewards or otherwise inhibit consumers from obtaining or redeeming promised rewards?\"","document_number":"2024-30988","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-30988/consumer-financial-protection-circular-2024-07-design-marketing-and-administration-of-credit-card","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-30988.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30988.pdf?1735307135","publication_date":"2024-12-30","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"are no countervailing benefits that outweigh the injury to consumers or competition of inducing consumers to use credit cards with vague or fine-print conditions that consumers cannot reasonably understand.\n 52 \n \n \n \n \n 45 \n \n See \n FTC, \n Bringing Dark Patterns to Light, at 7 \n (Sept. 2022) (“Some dark patterns operate by hiding or obscuring material information from consumers, such as burying key limitations of the product or service in dense Terms of Service documents that consumers don't see before purchase.”), \n https://www.ftc.gov/system"},{"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":"of such transactions than cash.\n 36 \n \n For many consumers, general-use digital consumer payment applications offer an alternative, technological replacement for non-digital payment methods.\n 37 \n \n Consumers increasingly have adopted general-use digital consumer payment applications \n 38 \n \n as part of a broader movement toward noncash payments.\n 39 \n \n Amid growing merchant acceptance of general-use digital consumer payment applications, consumers with middle and lower incomes use digital consumer payment applications for a share of their overall"},{"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":"and is presented to the consumer on a “take it or leave it” basis. The consumer usually has little ability to read the contract and no opportunity to negotiate its terms.\n 11 \n \n If the consumer wants the product or service offered by the company, they must accept the contract's terms in totality. The company will use the same standard-form contract for every consumer with respect to the product or service at issue and will typically enter into thousands (or even millions) of versions of the same contract with its consumers. Altogether, the elements"},{"title":"Fair Credit Reporting; File Disclosure","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing this advisory opinion to address certain obligations that consumer reporting agencies have under section 609(a) of the Fair Credit Reporting Act (FCRA). This advisory opinion underscores that, to trigger a consumer reporting agency's file disclosure requirement under FCRA section 609(a), a consumer does not need to use specific language, such as \"complete file\" or \"file.\" This advisory opinion also highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609(a). In addition, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source (or sources) that provide the item of information to the consumer reporting agency under FCRA section 609(a).","document_number":"2024-00786","html_url":"https://www.federalregister.gov/documents/2024/01/23/2024-00786/fair-credit-reporting-file-disclosure","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-23/pdf/2024-00786.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-00786.pdf?1705931115","publication_date":"2024-01-23","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":"trigger a consumer reporting agency's file disclosure requirement under FCRA section 609(a), a consumer does not need to use specific language, such as “complete file” or “file.” Next, this advisory opinion highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609(a). Finally, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source (or sources) that provide the item of information to the consumer reporting"}]}