{"description":"Documents matching 'security accuracy concerns experians data'","count":71,"total_pages":4,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+accuracy+concerns+experians+data&format=json&page=2","results":[{"title":"Provisions Pertaining to Preventing Access to U.S. Sensitive Personal Data and Government-Related Data by Countries of Concern or Covered Persons","type":"Proposed Rule","abstract":"The Department of Justice proposes a rule to implement Executive Order 14117 of February 28, 2024 (Preventing Access to Americans' Bulk Sensitive Personal Data and United States Government- Related Data by Countries of Concern), by prohibiting and restricting certain data transactions with certain countries or persons.","document_number":"2024-24582","html_url":"https://www.federalregister.gov/documents/2024/10/29/2024-24582/provisions-pertaining-to-preventing-access-to-us-sensitive-personal-data-and-government-related-data","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-29/pdf/2024-24582.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24582.pdf?1729628118","publication_date":"2024-10-29","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"}],"excerpts":"the Proposed Regulation \n a. Sensitive Personal <span class=\"match\">Data</span> and Government-Related <span class=\"match\">Data</span> \n i. Personal Financial <span class=\"match\">Data</span> \n ii. Personal Health <span class=\"match\">Data</span> \n iii. Precise Geolocation <span class=\"match\">Data</span> \n iv. Human Genomic and Human `Omic <span class=\"match\">Data</span> \n v. Biometric Identifiers \n vi. Covered Personal Identifiers \n b. The <span class=\"match\">Data</span>-Brokerage Market \n i. Companies That May Meet the Definition of <span class=\"match\">Data</span> Brokers for the Purposes of the Proposed Rule \n ii. Market Size \n iii. Products Sold by <span class=\"match\">Data</span> Brokers \n iv. Price Information \n v. Customers of <span class=\"match\">Data</span>-Brokerage Products \n c. Agreements Affected by the"},{"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":"com Hack Exposes a Nation's <span class=\"match\">Data</span>, \n Krebs on <span class=\"match\">Security</span> (Aug. 15, 2024), \n https://krebsonsecurity.com/2024/08/nationalpublicdata-com-hack-exposes-a-nations-<span class=\"match\">data</span>/; \n Justin Sherman, Duke Sanford School of Public Policy, \n <span class=\"match\">Data</span> Brokers and <span class=\"match\">Data</span> Breaches \n (Sept. 27, 2022), \n https://techpolicy.sanford.duke.edu/blogroll/<span class=\"match\">data</span>-brokers-and-<span class=\"match\">data</span>-breaches; \n Brian Krebs, \n Hacked <span class=\"match\">Data</span> Broker Accounts Fueled Phone COVID Loans, Unemployment Claims, \n Krebs on <span class=\"match\">Security</span> (Aug. 6, 2020), \n https://krebsonsecurity.com/2020/08/hacked-<span class=\"match\">data</span>-broker-accounts-fueled-ph"},{"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":"and banking regulators have previously encouraged lenders to evaluate alternative <span class=\"match\">data</span> in making credit decisions, as evidenced by the CFPB's 2017 “Request for Information Regarding Use of Alternative <span class=\"match\">Data</span> and Modeling Techniques in the Credit Process.” By restricting access to medical debt information, this commenter asserted that the CFPB would be limiting the very type of alternative <span class=\"match\">data</span> it has previously endorsed. \n Several industry commenters also raised <span class=\"match\">concerns</span> that the proposed rule could increase exposure to enforcement action by other Federal"},{"title":"Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-06, titled, \"Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions.\" In this circular, the CFPB responds to the question, \"Can an employer make employment decisions utilizing background dossiers, algorithmic scores, and other third-party consumer reports about workers without adhering to the Fair Credit Reporting Act (FCRA)?\"","document_number":"2024-26099","html_url":"https://www.federalregister.gov/documents/2024/11/12/2024-26099/consumer-financial-protection-circular-2024-06-background-dossiers-and-algorithmic-scores-for-hiring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-12/pdf/2024-26099.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-26099.pdf?1731073578","publication_date":"2024-11-12","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":"programming code for solving a problem or performing a task based on input <span class=\"match\">data</span>. The algorithmic models used may also include “artificial intelligence” or “AI” models, which often develop and train algorithms using “machine learning,” which is the process of gathering <span class=\"match\">data</span> and supplying it to the computer program to train the algorithm to find patterns or make predictions. Conventional algorithms and AI models may also set performance goals or other parameters based on external <span class=\"match\">data</span>—for instance, by comparing a worker's output to an industry standard"},{"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":"because the CCIP <span class=\"match\">data</span> are drawn from consumer reports from a single NCRA and because medical collections are unevenly reported, the <span class=\"match\">data</span> might not contain all medical collections that exist in the United States. The CFPB requests additional <span class=\"match\">data</span> that can be used to expand the impact analysis.\n \n \n To quantify health care providers' exposure to unpaid medical bills, the CFPB used <span class=\"match\">data</span> from the Hospital Cost Reporting Information System (HCRIS), which is administered by the Centers for Medicare and Medicaid Services. The HCRIS <span class=\"match\">data</span> contain annual cost"},{"title":"Fair Credit Reporting; Facially False Data","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act (FCRA).","document_number":"2022-23264","html_url":"https://www.federalregister.gov/documents/2022/10/26/2022-23264/fair-credit-reporting-facially-false-data","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-10-26/pdf/2022-23264.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-23264.pdf?1666701923","publication_date":"2022-10-26","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"with regard to the confidentiality, <span class=\"match\">accuracy</span>, relevancy, and proper utilization of such information.” \n 13 \n \n In interpreting the statute, Federal courts likewise highlight the importance of <span class=\"match\">data</span> <span class=\"match\">accuracy</span>. The FCRA was enacted “to protect consumers from the transmission of inaccurate information about them and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner.” \n 14 \n \n Because of the importance of consumer report <span class=\"match\">accuracy</span> to businesses and consumers, the structure"},{"title":"Medicare and Medicaid Programs; Calendar Year 2026 Home Health Prospective Payment System (HH PPS) Rate Update; Requirements for the HH Quality Reporting Program and the HH Value-Based Purchasing Expanded Model; Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program Updates; DMEPOS Accreditation Requirements; Provider Enrollment; and Other Medicare and Medicaid Policies","type":"Rule","abstract":"This final rule sets forth routine updates to the Medicare home health payment rates in accordance with existing statutory and regulatory requirements. In addition, this final rule finalizes permanent and temporary behavior adjustments and recalibrates the case- mix weights and update the functional impairment levels; comorbidity subgroups; and low-utilization payment adjustment (LUPA) thresholds for CY 2026. This final rule also finalizes changes to the face-to-face encounter policy and changes to the Home Health Quality Reporting Program (HH QRP) and the expanded Health Value-Based Purchasing (HHVBP) Model requirements. In addition, it updates the Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program (CBP). Lastly it finalizes: a technical change to the HH conditions of participation; updates to DMEPOS supplier conditions of payment; updates to provider and supplier enrollment requirements; and changes to DMEPOS accreditation requirements.","document_number":"2025-21767","html_url":"https://www.federalregister.gov/documents/2025/12/02/2025-21767/medicare-and-medicaid-programs-calendar-year-2026-home-health-prospective-payment-system-hh-pps-rate","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-02/pdf/2025-21767.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21767.pdf?1764364516","publication_date":"2025-12-02","agencies":[{"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"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"proposed rule (90 FR 29145). In this final rule, we update these case-mix weights with claims <span class=\"match\">data</span> as of July 11, 2025, as shown in table 13. These <span class=\"match\">data</span> are the most current and complete <span class=\"match\">data</span> available at the time of this rulemaking. \n The claims <span class=\"match\">data</span> provide visit-level <span class=\"match\">data</span> and <span class=\"match\">data</span> on whether non-routine supplies (NRS) were provided during the period and the total charges of NRS. We determine the case-mix weight for each of the 432 different PDGM payment groups by regressing resource use on a series of indicator variables for each of the categories"},{"title":"Health Breach Notification Rule","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") proposes to amend the Commission's Health Breach Notification Rule (the \"HBN Rule\" or the \"Rule\") and requests public comment on the proposed changes. The HBN Rule requires vendors of personal health records (\"PHRs\") and related entities that are not covered by the Health Insurance Portability and Accountability Act (\"HIPAA\") to notify individuals, the FTC, and, in some cases, the media of a breach of unsecured personally identifiable health data.","document_number":"2023-12148","html_url":"https://www.federalregister.gov/documents/2023/06/09/2023-12148/health-breach-notification-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-06-09/pdf/2023-12148.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-12148.pdf?1686228316","publication_date":"2023-06-09","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":"046).\n \n \n \n 101 \n  \n See \n IBM <span class=\"match\">Security</span>, Costs of a <span class=\"match\">Data</span> Breach Report 2022 (2022), \n https://www.ibm.com/reports/<span class=\"match\">data</span>-breach \n (“2022 IBM <span class=\"match\">Security</span> Report”). The research for the 2022 IBM <span class=\"match\">Security</span> Report is conducted independently by the Ponemon Institute, and the results are reported and published by IBM <span class=\"match\">Security</span>. Figure 2 of the 2022 IBM <span class=\"match\">Security</span> Report shows that cost per record of a breach was $164 per record in 2022 and $161 in 2021, resulting in an average cost of $162.50. Figure 5 of the 2022 IBM <span class=\"match\">Security</span> Report shows that 7.1% ($0.31m/$4"},{"title":"Medicare and Medicaid Programs; Calendar Year 2026 Home Health Prospective Payment System (HH PPS) Rate Update; Requirements for the HH Quality Reporting Program and the HH Value-Based Purchasing Expanded Model; Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program Updates; DMEPOS Accreditation Requirements; Provider Enrollment; and Other Medicare and Medicaid Policies","type":"Proposed Rule","abstract":"This proposed rule would set forth routine updates to the Medicare home health payment rates in accordance with existing statutory and regulatory requirements. In addition, this proposed rule proposes permanent and temporary behavior adjustments and proposes to recalibrate the case-mix weights and update the functional impairment levels; comorbidity subgroups; and low-utilization payment adjustment (LUPA) thresholds for CY 2026. Lastly, this proposed rule proposes policy changes to the face-to-face encounter policy. It also proposes changes to the Home Health Quality Reporting Program (HH QRP) and the expanded Health Value-Based Purchasing (HHVBP) Model requirements. In addition, it would update the Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program (CBP). Lastly it proposes: a technical change to the HH conditions of participation; updates to DMEPOS supplier conditions of payment; updates to provider and supplier enrollment requirements; and changes to DMEPOS accreditation requirements.","document_number":"2025-12347","html_url":"https://www.federalregister.gov/documents/2025/07/02/2025-12347/medicare-and-medicaid-programs-calendar-year-2026-home-health-prospective-payment-system-hh-pps-rate","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-02/pdf/2025-12347.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12347.pdf?1751314517","publication_date":"2025-07-02","agencies":[{"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"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"utilization <span class=\"match\">data</span> available at the time of annual rulemaking. Annual recalibration of the PDGM case-mix weights ensures that the case-mix weights reflect, as accurately as possible, current home health resource use and changes in utilization patterns. To generate the proposed recalibrated CY 2026 case-mix weights, we used CY 2024 home health claims <span class=\"match\">data</span> with linked OASIS <span class=\"match\">data</span> (as of March 13, 2025). These <span class=\"match\">data</span> are the most current and complete <span class=\"match\">data</span> available at the time of rulemaking. We believe that recalibrating the case-mix weights using <span class=\"match\">data</span> from CY"},{"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":"aware that CDIA has characterized some tradeline <span class=\"match\">data</span> as optional, reporting optional tradeline <span class=\"match\">data</span> for certain mortgages, but not others, raises questions about credit reporting <span class=\"match\">accuracy</span> and consistency.\n \n \n \n 76 \n  Most servicers provide consumer credit information to one or more credit reporting agencies (CRAs) using a standardized electronic <span class=\"match\">data</span> reporting format called the “Metro 2 Format.” The Metro 2 Format transmits consumer credit account <span class=\"match\">data</span> and is maintained and updated by the Consumer <span class=\"match\">Data</span> Industry Association (CDIA). From time to time"},{"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":"Dun &amp; Bradstreet, \n https://www.dnb.com/ \n (<span class=\"match\">data</span> provider and credit reporter); <span class=\"match\">Data</span> Axle, \n https://www.data-axle.com/ \n (<span class=\"match\">data</span> provider); Equifax, \n https://www.equifax.com/business/product/business-credit-reports-small-business/ \n (credit reporter); <span class=\"match\">Experian</span>, \n https://www.experian.com/small-business/business-credit-reports \n (credit reporter).\n \n \n While these non-public sources of <span class=\"match\">data</span> on small businesses may provide a useful supplement to existing Federal sources of small business lending <span class=\"match\">data</span>, these private and nonprofit sources often do"},{"title":"Corporate Average Fuel Economy Standards for Passenger Cars and Light Trucks for Model Years 2027 and Beyond and Fuel Efficiency Standards for Heavy-Duty Pickup Trucks and Vans for Model Years 2030 and Beyond","type":"Rule","abstract":"NHTSA, on behalf of the Department of Transportation (DOT), is finalizing Corporate Average Fuel Economy (CAFE) standards for passenger cars and light trucks that increase at a rate of 2 percent per year for passenger cars in model years (MYs) 2027-31, 0 percent per year for light trucks in model years 2027-28, and 2 percent per year for light trucks in model years 2029-31. NHTSA is also finalizing fuel efficiency standards for heavy-duty pickup trucks and vans (HDPUVs) for model years 2030-32 that increase at a rate of 10 percent per year and model years 2033-35 that increase at a rate of 8 percent per year.","document_number":"2024-12864","html_url":"https://www.federalregister.gov/documents/2024/06/24/2024-12864/corporate-average-fuel-economy-standards-for-passenger-cars-and-light-trucks-for-model-years-2027","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-24/pdf/2024-12864.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12864.pdf?1718282720","publication_date":"2024-06-24","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":"National Highway Traffic Safety Administration","name":"National Highway Traffic Safety Administration","id":345,"url":"https://www.federalregister.gov/agencies/national-highway-traffic-safety-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/345","parent_id":492,"slug":"national-highway-traffic-safety-administration"}],"excerpts":"regulatory class, and some additional technology <span class=\"match\">data</span> from these reports as the starting point to build a “row” (\n i.e., \n a vehicle configuration, with all necessary information about the vehicle) in the Market <span class=\"match\">Data</span> Input File's Vehicle's Tab. Additional technology <span class=\"match\">data</span> come from publicly available information, including vehicle specification sheets, manufacturer press releases, owner's manuals, and websites. We also generate some assumptions in the Market <span class=\"match\">Data</span> Input File for <span class=\"match\">data</span> fields where there is limited <span class=\"match\">data</span>, like refresh and redesign cycles for future"},{"title":"Combating Auto Retail Scams Trade Regulation Rule","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing this Combating Auto Retail Scams Trade Regulation Rule (\"CARS Rule,\" \"Rule,\" or \"Final Rule\") and Statement of Basis and Purpose (\"SBP\") related to the sale, financing, and leasing of covered motor vehicles by covered motor vehicle dealers. The Final Rule, among other things, prohibits motor vehicle dealers from making certain misrepresentations in the course of selling, leasing, or arranging financing for motor vehicles, requires accurate pricing disclosures in dealers' advertising and sales communications, requires dealers to obtain consumers' express, informed consent for charges, prohibits the sale of any add-on product or service that confers no benefit to the consumer, and requires dealers to keep records of certain advertisements and customer transactions.","document_number":"2023-27997","html_url":"https://www.federalregister.gov/documents/2024/01/04/2023-27997/combating-auto-retail-scams-trade-regulation-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-04/pdf/2023-27997.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-27997.pdf?1703771113","publication_date":"2024-01-04","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":"and “Page 4 <span class=\"match\">Data</span>” tabs, \n https://www.newyorkfed.org/medialibrary/interactives/householdcredit/<span class=\"match\">data</span>/xls/HHD_C_Report_2023Q1 \n (last visited Dec. 5, 2023) (listing number of open “Auto Loan” accounts and total outstanding balance in such accounts).\n \n \n \n \n 22 \n  Fed. Rsrv. Bank of N.Y., “Quarterly Report on Household Debt and Credit, 2023: Q1” 3, 21 (May 2023), \n https://www.newyorkfed.org/medialibrary/interactives/householdcredit/<span class=\"match\">data</span>/pdf/HHDC_2023Q1; \n Fed. Rsrv. Bank of N.Y., “<span class=\"match\">Data</span> Underlying Report” on “Page 3 <span class=\"match\">Data</span>” and “Page 21 <span class=\"match\">Data</span>” tabs, \n https://www"},{"title":"Clean Water Act Effluent Limitations Guidelines and Standards for the Meat and Poultry Products Point Source Category","type":"Proposed Rule","abstract":"The Environmental Protection Agency (EPA or the Agency) is proposing a regulation to revise the technology-based effluent limitations guidelines and standards (ELGs) for the meat and poultry products (MPP) point source category. The proposed rule would improve water quality and protect human health and the environment by reducing the discharge of nutrients and other pollutants to the nation's surface waters. EPA is proposing several regulatory options, including the preferred option discussed in this notice. The preferred option is estimated to cost $232 million annually and reduce pollutant discharges by approximately 100 million pounds per year.","document_number":"2023-28498","html_url":"https://www.federalregister.gov/documents/2024/01/23/2023-28498/clean-water-act-effluent-limitations-guidelines-and-standards-for-the-meat-and-poultry-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-23/pdf/2023-28498.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-28498.pdf?1705931114","publication_date":"2024-01-23","agencies":[{"raw_name":"ENVIRONMENTAL PROTECTION AGENCY","name":"Environmental Protection Agency","id":145,"url":"https://www.federalregister.gov/agencies/environmental-protection-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/145","parent_id":null,"slug":"environmental-protection-agency"}],"excerpts":"review, EPA may exclude <span class=\"match\">data</span> associated with certain time periods or other <span class=\"match\">data</span> outliers that reflect poor performance or analytical anomalies by an otherwise well-operated site.\n \n B. <span class=\"match\">Data</span> Selection for Each Technology \n EPA used specific <span class=\"match\">data</span> sources to derive limitations for pollutants for wastewater streams resulting from MPP process wastewater and high chlorides processes. The LTAs, VFs, and limitations for each waste stream were based on pollutant concentrations collected during EPA sampling episodes, DMR <span class=\"match\">data</span>, <span class=\"match\">data</span> provided by EPA Regions"},{"title":"Request for Information Regarding Medical Payment Products","type":"Notice","abstract":"The CFPB, an independent agency, HHS, and the Treasury (collectively, the agencies), are soliciting comments from the public and interested parties on medical credit cards, loans, and other financial products used to pay for health care. The agencies seek to understand the prevalence, nature, and impact of these products, including disparities across different demographic groups. The agencies also seek to understand the effects these products may have on patients and on the health care system. In particular, the agencies seek comment on whether these products may allow health care providers to operate outside of a broad range of patient and consumer protections. The agencies also seek comment on whether these products may contribute to health care cost inflation, displace hospitals' provision of financial assistance, lead patients to pay inaccurate or inflated medical bills, increase the amount patients must pay due to financing costs, or otherwise harm patients' mental, physical, and financial well-being, including through downstream credit reporting and debt collection practices. In line with the agencies' work to lower health care costs and reduce the burden of medical debt, the agencies also seek comment on policy options to protect consumers from harm.","document_number":"2023-14726","html_url":"https://www.federalregister.gov/documents/2023/07/12/2023-14726/request-for-information-regarding-medical-payment-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-07-12/pdf/2023-14726.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-14726.pdf?1689079531","publication_date":"2023-07-12","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"},{"raw_name":"DEPARTMENT OF HEATH 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"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"},{"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"}],"excerpts":"States,” \n available at https://www.consumerfinance.gov/<span class=\"match\">data</span>-research/research-reports/medical-debt-burden-in-the-united-states/; \n CFPB, “Debt collectors re-evaluate medical debt furnishing in light of <span class=\"match\">data</span> integrity issues,” \n available at https://www.consumerfinance.gov/about-us/blog/debt-collectors-re-evaluate-medical-debt-furnishing-in-light-of-<span class=\"match\">data</span>-integrity-issues/; \n and CFPB, “Medical Billing and Collections Among Older Americans,” \n available at https://www.consumerfinance.gov/<span class=\"match\">data</span>-research/research-reports/issue-spotlight-medical-bill"},{"title":"Fair Credit Reporting; Name-Only Matching Procedures","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this advisory opinion to highlight that a consumer reporting agency that uses inadequate matching procedures to match information to consumers, including name-only matching (i.e., matching information to the particular consumer who is the subject of a consumer report based solely on whether the consumer's first and last names are identical or similar to the names associated with the information), in preparing consumer reports is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act (FCRA).","document_number":"2021-24471","html_url":"https://www.federalregister.gov/documents/2021/11/10/2021-24471/fair-credit-reporting-name-only-matching-procedures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-11-10/pdf/2021-24471.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-24471.pdf?1636465519","publication_date":"2021-11-10","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"procedures to assure maximum possible <span class=\"match\">accuracy</span> of the information concerning the individual about whom the report relates” under FCRA section 607(b). As detailed in part I.A. above, matching information to the consumer who is the subject of a consumer report by name alone creates significant <span class=\"match\">accuracy</span> <span class=\"match\">concerns</span> because most names are shared with other consumers and, in some cases, with thousands of other consumers. In preparing consumer reports, it is not a reasonable procedure to assure maximum possible <span class=\"match\">accuracy</span> to use insufficient identifiers to match"},{"title":"Motor Vehicle Dealers Trade Regulation Rule","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") seeks comment on this notice of proposed rulemaking (\"NPRM\") related to the sale, financing, and leasing of motor vehicles by motor vehicle dealers. The proposed rule would prohibit motor vehicle dealers from making certain misrepresentations in the course of selling, leasing, or arranging financing for motor vehicles, require accurate pricing disclosures in dealers' advertising and sales discussions, require dealers to obtain consumers' express, informed consent for charges, prohibit the sale of any add-on product or service that confers no benefit to the consumer, and require dealers to keep records of advertisements and customer transactions. This NPRM invites written comments on all issues raised herein and seeks answers to the specific questions set forth in Section VIII of this document.","document_number":"2022-14214","html_url":"https://www.federalregister.gov/documents/2022/07/13/2022-14214/motor-vehicle-dealers-trade-regulation-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-07-13/pdf/2022-14214.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-14214.pdf?1657629914","publication_date":"2022-07-13","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":"“Page 4 <span class=\"match\">Data</span>” tabs, \n https://www.newyorkfed.org/medialibrary/interactives/householdcredit/<span class=\"match\">data</span>/xls/hhd_c_report_2021q4.xlsx \n (last visited Apr. 25, 2022) (number of open auto loan accounts and total balance outstanding).\n \n \n \n \n 10 \n  Fed. Rsrv. Bank of N.Y., \n <span class=\"match\">Data</span> underlying report \n at “Page 21 <span class=\"match\">Data</span>” tab, \n https://www.newyorkfed.org/medialibrary/interactives/householdcredit/<span class=\"match\">data</span>/xls/hhd_c_report_2021q4.xlsx \n (last visited Apr. 25, 2022).\n \n \n \n Buying or leasing a vehicle is not only an expensive endeavor, but the transaction itself is time-consuming"},{"title":"Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is publishing for public comment a proposed rule 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, the Bureau is proposing to require covered financial institutions to collect and report to the Bureau data on applications for credit for small businesses, including those that are owned by women or minorities. The Bureau's proposal also addresses its approach to privacy interests and the publication of section 1071 data; shielding certain demographic data from underwriters and other persons; recordkeeping requirements; enforcement provisions; and the proposed rule's effective and compliance dates.","document_number":"2021-19274","html_url":"https://www.federalregister.gov/documents/2021/10/08/2021-19274/small-business-lending-data-collection-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-10-08/pdf/2021-19274.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-19274.pdf?1633032929","publication_date":"2021-10-08","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":" e.g., \n Dun &amp; Bradstreet, \n https://www.dnb.com/ \n (<span class=\"match\">data</span> provider and credit reporter); <span class=\"match\">Data</span> Axle, \n https://www.data-axle.com/ \n (<span class=\"match\">data</span> provider); Equifax, \n https://www.equifax.com/business/business-credit-reports/ \n (credit reporter); <span class=\"match\">Experian</span>, \n https://www.experian.com/small-business/business-credit-reports \n (credit reporter).\n \n \n While these non-public sources of <span class=\"match\">data</span> on small businesses may provide a useful supplement to existing Federal sources of small business lending <span class=\"match\">data</span>, these private and nonprofit sources often do not have lending"},{"title":"Patient Protection and Affordable Care Act; HHS Notice of Benefit and Payment Parameters for 2023","type":"Rule","abstract":"This final rule includes payment parameters and provisions related to the risk adjustment and risk adjustment data validation programs, as well as 2023 user fee rates for issuers offering qualified health plans (QHPs) through Federally-facilitated Exchanges (FFEs) and State-based Exchanges on the Federal platform (SBE-FPs). This final rule also includes requirements related to guaranteed availability; the offering of QHP standardized plan options through Exchanges on the Federal platform; requirements for agents, brokers, and web-brokers; verification standards related to employer sponsored coverage; Exchange eligibility determinations during a benefit year; special enrollment period verification; cost-sharing requirements; Essential Health Benefits (EHBs); Actuarial Value (AV); QHP issuer quality improvement strategies; accounting for quality improvement activity (QIA) expenses and provider incentives for medical loss ratio (MLR) reporting and rebate calculation purposes; and re-enrollment. This final rule also responds to comments on how the Department of Health and Human Services (HHS) can advance health equity through QHP certification standards and otherwise in the individual and group health insurance markets, and how HHS might address plan choice overload in the Exchanges.","document_number":"2022-09438","html_url":"https://www.federalregister.gov/documents/2022/05/06/2022-09438/patient-protection-and-affordable-care-act-hhs-notice-of-benefit-and-payment-parameters-for-2023","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-05-06/pdf/2022-09438.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-09438.pdf?1651522516","publication_date":"2022-05-06","agencies":[{"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":"first processed the 2017 enrollee-level EDGE <span class=\"match\">data</span> (that is, Q2 2018).\n \n \n \n 26 \n  The same <span class=\"match\">concern</span> was not present for the 2017 enrollee-level EDGE <span class=\"match\">data</span> because hydroxychloroquine sulfate was not included in the RXC crosswalk until 2018.\n \n \n We are finalizing the proposal to collect and extract five new <span class=\"match\">data</span> elements as part of the enrollee-level EDGE <span class=\"match\">data</span>. Beginning with the 2023 benefit year, issuers will be required to populate the ZIP Code and subsidy indicator fields as part of their EDGE <span class=\"match\">data</span> submissions. Issuers will also be required to"},{"title":"Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking. This final rule establishes a method for a victim of trafficking to submit documentation to consumer reporting agencies, including information identifying any adverse item of information about the consumer that resulted from certain types of human trafficking, and prohibits the consumer reporting agencies from furnishing a consumer report containing the adverse item(s) of information. The Bureau is taking this action as mandated by the National Defense Authorization Act for Fiscal Year 2022 to assist consumers who are victims of trafficking in building or rebuilding financial stability and personal independence.","document_number":"2022-13671","html_url":"https://www.federalregister.gov/documents/2022/06/24/2022-13671/prohibition-on-inclusion-of-adverse-information-in-consumer-reporting-in-cases-of-human-trafficking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-06-24/pdf/2022-13671.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-13671.pdf?1655988327","publication_date":"2022-06-24","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"because they believe that the requirements are antithetical to current <span class=\"match\">data</span> privacy and <span class=\"match\">data</span> <span class=\"match\">security</span> regulation and could increase the scope of, and risk related to, a <span class=\"match\">data</span> breach. They suggested that the requirements are too broad or too long, and one suggested that victims may hesitate to provide information because victims \n \n may fear that their information will be shared with others. One commenter argued that submitted information should be destroyed under standard <span class=\"match\">data</span> retention timeframes, which are often much shorter than seven years. The"}]}