{"description":"Documents matching 'security card forms identification banker told compliance'","count":60,"total_pages":3,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+card+forms+identification+banker+told+compliance&format=json&page=2","results":[{"title":"Retirement Security Rule: Definition of an Investment Advice Fiduciary","type":"Rule","abstract":"The Department of Labor (Department) is adopting a final rule defining when a person renders \"investment advice for a fee or other compensation, direct or indirect\" with respect to any moneys or other property of an employee benefit plan, for purposes of the definition of a \"fiduciary\" in the Employee Retirement Income Security Act of 1974 (Title I of ERISA or the Act). The final rule also applies for purposes of Title II of ERISA to the definition of a fiduciary of a plan defined in Internal Revenue Code (Code), including an individual retirement account or other plan identified in the Code. The Department also is publishing elsewhere in this issue of the Federal Register amendments to Prohibited Transaction Exemption 2020-02 (Improving Investment Advice for Workers & Retirees) and to several other existing administrative exemptions from the prohibited transaction rules applicable to fiduciaries under Title I and Title II of ERISA.","document_number":"2024-08065","html_url":"https://www.federalregister.gov/documents/2024/04/25/2024-08065/retirement-security-rule-definition-of-an-investment-advice-fiduciary","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-25/pdf/2024-08065.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08065.pdf?1713962724","publication_date":"2024-04-25","agencies":[{"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"}],"excerpts":"4. Swaps and <span class=\"match\">Security</span>-Based Swaps \n \n Swaps and <span class=\"match\">security</span>-based swaps are a broad class of financial transactions defined and regulated under amendments to the Commodity Exchange Act and the <span class=\"match\">Securities</span> Exchange Act of 1934 (<span class=\"match\">Securities</span> Exchange Act) by the Dodd-Frank Act. Section 4s(h) of the Commodity Exchange Act \n 240 \n \n and section 15F of the <span class=\"match\">Securities</span> Exchange Act \n 241 \n \n establish similar business conduct standards for dealers and major participants in swaps or <span class=\"match\">security</span>-based swaps. Special rules apply for swap and <span class=\"match\">security</span>-based swap transactions"},{"title":"Cyber Incident Reporting for Critical Infrastructure Act (CIRCIA) Reporting Requirements","type":"Proposed Rule","abstract":"The Cyber Incident Reporting for Critical Infrastructure Act of 2022 (CIRCIA), as amended, requires the Cybersecurity and Infrastructure Security Agency (CISA) to promulgate regulations implementing the statute's covered cyber incident and ransom payment reporting requirements for covered entities. CISA seeks comment on the proposed rule to implement CIRCIA's requirements and on several practical and policy issues related to the implementation of these new reporting requirements.","document_number":"2024-06526","html_url":"https://www.federalregister.gov/documents/2024/04/04/2024-06526/cyber-incident-reporting-for-critical-infrastructure-act-circia-reporting-requirements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-04/pdf/2024-06526.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06526.pdf?1711543528","publication_date":"2024-04-04","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"impact national <span class=\"match\">security</span>, economic <span class=\"match\">security</span>, and public health and safety. As noted in the 2015 Communications SSP, “[v]irtually every element of modern life is now dependent on cyber infrastructure. As a result, our Nation's economic and national <span class=\"match\">security</span> relies on the <span class=\"match\">security</span> of the assets and operations of critical communications infrastructure.” \n 214 \n \n Executive Order 13618—Assignment of National <span class=\"match\">Security</span> and Emergency Preparedness Communications Functions reinforces the importance of these entities to national <span class=\"match\">security</span>, stating that “[t]he"},{"title":"Residential Property Assessed Clean Energy Financing (Regulation Z)","type":"Rule","abstract":"Section 307 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) directs the Consumer Financial Protection Bureau (CFPB or Bureau) to prescribe ability-to-repay rules for Property Assessed Clean Energy (PACE) financing and to apply the civil liability provisions of the Truth in Lending Act (TILA) for violations. PACE financing is financing to cover the costs of home improvements that results in a tax assessment on the real property of the consumer. In this final rule, the CFPB implements EGRRCPA section 307 and amends Regulation Z to address how TILA applies to PACE transactions.","document_number":"2024-30628","html_url":"https://www.federalregister.gov/documents/2025/01/10/2024-30628/residential-property-assessed-clean-energy-financing-regulation-z","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2024-30628.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30628.pdf?1736343918","publication_date":"2025-01-10","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":"Defense to facilitate <span class=\"match\">identification</span> of consumers covered by credit protections provided pursuant to 10 U.S.C. 987.\n \n \n Appendix H—Closed-End <span class=\"match\">Forms</span> and Clauses \n \n \n 30. \n Standard Loan Estimate and Closing Disclosure <span class=\"match\">forms</span>. \n <span class=\"match\">Forms</span> H-24(A) through (H), H-25(A) through (K), and H-28(A) through (L) are model <span class=\"match\">forms</span> for the disclosures required under §§ 1026.37 and 1026.38. However, pursuant to §§ 1026.37(o)(3) and 1026.38(t)(3), for federally related mortgage loans <span class=\"match\">forms</span> H-24(A) through (H) and H-25(A) through (K) are standard <span class=\"match\">forms</span> required to be used"},{"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":"assist institutions in diagnosing <span class=\"match\">compliance</span> weaknesses, to the extent that these institutions engaged in good faith <span class=\"match\">compliance</span> efforts.\n \n \n Effective and <span class=\"match\">compliance</span> dates, transitional provisions. \n This final rule will become effective 90 days after publication in the \n Federal Register \n . The CFPB is adopting a tiered <span class=\"match\">compliance</span> date schedule because it believes that smaller and mid-sized lenders would have particular difficulties complying within the single 18-month <span class=\"match\">compliance</span> period proposed in the NPRM. <span class=\"match\">Compliance</span> with the rule beginning October"},{"title":"Regulation Best Execution","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is proposing new rules under the Securities Exchange Act of 1934 (\"Exchange Act\") relating to a broker-dealer's duty of best execution. Proposed Regulation Best Execution would enhance the existing regulatory framework concerning the duty of best execution by requiring detailed policies and procedures for all broker-dealers and more robust policies and procedures for broker-dealers engaging in certain conflicted transactions with retail customers, as well as related review and documentation requirements.","document_number":"2022-27644","html_url":"https://www.federalregister.gov/documents/2023/01/27/2022-27644/regulation-best-execution","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-01-27/pdf/2022-27644.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-27644.pdf?1674740716","publication_date":"2023-01-27","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"To the extent that an ATS trades crypto asset <span class=\"match\">securities</span>, the ATS must disclose information regarding its crypto asset <span class=\"match\">securities</span> activities as required by <span class=\"match\">Form</span> ATS and <span class=\"match\">Form</span> ATS-R. <span class=\"match\">Form</span> ATS and <span class=\"match\">Form</span> ATS-R are deemed confidential when filed with the Commission. Based on information provided on these <span class=\"match\">forms</span>, a limited number of ATSs have noticed on <span class=\"match\">Form</span> ATS their intention to trade certain crypto asset <span class=\"match\">securities</span> and a subset of those ATSs have reported transactions in crypto asset <span class=\"match\">securities</span> on their <span class=\"match\">Form</span> ATS-R.\n \n \n \n \n 98 \n  \n See also \n FSOC Report"},{"title":"Nondiscrimination in Health Programs and Activities","type":"Rule","abstract":"The Department of Health and Human Services (HHS or the Department) is issuing this final rule regarding section 1557 of the Affordable Care Act (ACA) (section 1557). Section 1557 prohibits discrimination on the basis of race, color, national origin, sex, age, or disability in certain health programs and activities. Section 1557(c) of the ACA authorizes the Secretary of the Department to promulgate regulations to implement the nondiscrimination requirements of section 1557. The Department is also revising its interpretation regarding whether Medicare Part B constitutes Federal financial assistance for purposes of civil rights enforcement. Additionally, the Department is revising provisions prohibiting discrimination on the basis of sex in regulations issued by the Centers for Medicare & Medicaid Services (CMS) governing Medicaid and the Children's Health Insurance Program (CHIP); Programs of All-Inclusive Care for the Elderly (PACE); health insurance issuers and their officials, employees, agents, and representatives; States and the Exchanges carrying out Exchange requirements; agents, brokers, or web-brokers that assist with or facilitate enrollment of qualified individuals, qualified employers, or qualified employees; issuers providing essential health benefits (EHB); and qualified health plan issuers.","document_number":"2024-08711","html_url":"https://www.federalregister.gov/documents/2024/05/06/2024-08711/nondiscrimination-in-health-programs-and-activities","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-06/pdf/2024-08711.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08711.pdf?1714162519","publication_date":"2024-05-06","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"},{"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":"Office of the Secretary"}],"excerpts":"\n \n Comment: \n One commenter asked how OCR will audit covered entities' \n \n <span class=\"match\">compliance</span> with the Coordinator requirement and whether the Coordinator post will be eligible for the Federal matching rate as an administrative activity under section 1903(a)(7) of the Social <span class=\"match\">Security</span> Act.\n \n \n Response: \n Consistent with current practice, OCR will determine a covered entity's <span class=\"match\">compliance</span> with the Coordinator requirement during complaint investigations and affirmative <span class=\"match\">compliance</span> reviews. With regard to the commenter's inquiry regarding the availability of"},{"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":"did not expressly discuss treatment of <span class=\"match\">securities</span> credit transactions, but the Bureau sought feedback on any products that should or should not be covered by the Bureau's eventual 1071 rule. The Bureau did not receive any feedback specific to <span class=\"match\">securities</span> credit. \n \n Proposed § 1002.104(b)(3) would exclude <span class=\"match\">securities</span> credit, as defined in existing § 1002.3(b)(1). Existing § 1002.3(b)(1) states that the term <span class=\"match\">securities</span> credit refers to extensions of credit subject to regulation under section 7 of the <span class=\"match\">Securities</span> Exchange Act of 1934 or extensions of"},{"title":"Determination of Rates and Terms for Digital Performance of Sound Recordings and Making of Ephemeral Copies To Facilitate Those Performances (Web V)","type":"Rule","abstract":"The Copyright Royalty Judges announce their final determination of the rates and terms for two statutory licenses (permitting certain digital performances of sound recordings and the making of ephemeral recordings) for the period beginning January 1, 2021, and ending on December 31, 2025.","document_number":"2021-20621","html_url":"https://www.federalregister.gov/documents/2021/10/27/2021-20621/determination-of-rates-and-terms-for-digital-performance-of-sound-recordings-and-making-of-ephemeral","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-10-27/pdf/2021-20621.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-20621.pdf?1635252321","publication_date":"2021-10-27","agencies":[{"raw_name":"LIBRARY OF CONGRESS","name":"Library of Congress","id":277,"url":"https://www.federalregister.gov/agencies/library-of-congress","json_url":"https://www.federalregister.gov/api/v1/agencies/277","parent_id":null,"slug":"library-of-congress"},{"raw_name":"Copyright Royalty Board","name":"Copyright Royalty Board","id":88,"url":"https://www.federalregister.gov/agencies/copyright-royalty-board","json_url":"https://www.federalregister.gov/api/v1/agencies/88","parent_id":277,"slug":"copyright-royalty-board"}],"excerpts":"operated is not subject to meaningful potential substitution from listening via another <span class=\"match\">form</span> of music delivery. \n Id. \n \n \n \n And, in the next rate-setting case, \n Phonorecords III, \n the Judges (in the majority \n and \n in the dissent) found that the licensors—owners of the copyrights for musical works—possessed complementary oligopoly power. The majority Determination found that this noncompetitive effect could be ameliorated—not only by steering or another <span class=\"match\">form</span> of price competition—but by the application of economic game theoretic modeling (specifically"},{"title":"Concept Release on Harmonization of Securities Offering Exemptions","type":"Proposed Rule","abstract":"The Securities and Exchange Commission is publishing this release to solicit comment on several exemptions from registration under the Securities Act of 1933 that facilitate capital raising. Over the years, and particularly since the Jumpstart Our Business Startups Act of 2012, several exemptions from registration have been introduced, expanded, or otherwise revised. As a result, the overall framework for exempt offerings has changed significantly. We believe our capital markets would benefit from a comprehensive review of the design and scope of our framework for offerings that are exempt from registration. More specifically, we also believe that issuers and investors could benefit from a framework that is more consistent and addresses gaps and complexities. Therefore, we seek comment on possible ways to simplify, harmonize, and improve the exempt offering framework to promote capital formation and expand investment opportunities while maintaining appropriate investor protections.","document_number":"2019-13255","html_url":"https://www.federalregister.gov/documents/2019/06/26/2019-13255/concept-release-on-harmonization-of-securities-offering-exemptions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-06-26/pdf/2019-13255.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-13255.pdf?1561466718","publication_date":"2019-06-26","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"\n The <span class=\"match\">Securities</span> Act contains a number of exemptions to its registration requirements and authorizes the Commission to adopt additional exemptions. Section 3 of the <span class=\"match\">Securities</span> Act generally identifies certain classes of <span class=\"match\">securities</span> that are exempt from the registration requirements of the <span class=\"match\">Securities</span> Act.\n 13 \n \n Most of these exemptions are based on characteristics of the <span class=\"match\">securities</span> themselves, though some exempted <span class=\"match\">securities</span> are identified based on the transaction in which they are offered or sold.\n 14 \n \n Section 4 of the \n \n <span class=\"match\">Securities</span> Act identifies"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is issuing this final rule establishing regulations creating consumer protections for certain consumer credit products and the official interpretations to the rule. First, the rule identifies it as an unfair and abusive practice for a lender to make covered short-term or longer- term balloon-payment loans, including payday and vehicle title loans, without reasonably determining that consumers have the ability to repay the loans according to their terms. The rule exempts certain loans from the underwriting criteria prescribed in the rule if they have specific consumer protections. Second, for the same set of loans along with certain other high-cost longer-term loans, the rule identifies it as an unfair and abusive practice to make attempts to withdraw payment from consumers' accounts after two consecutive payment attempts have failed, unless the consumer provides a new and specific authorization to do so. Finally, the rule prescribes notices to consumers before attempting to withdraw payments from their account, as well as processes and criteria for registration of information systems, for requirements to furnish and obtain information from them, and for compliance programs and record retention. The rule prohibits evasions and operates as a floor leaving State and local jurisdictions to adopt further regulatory measures (whether a usury limit or other protections) as appropriate to protect consumers.","document_number":"2017-21808","html_url":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-21808.pdf?1510839938","publication_date":"2017-11-17","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"understood the information on the <span class=\"match\">forms</span>.\n \n For the origination <span class=\"match\">forms</span>, the questions focused on whether participants understood that their ability to roll this loan over or take out additional loans may be limited. Each participant reviewed one of two different prototype <span class=\"match\">forms</span>: Either one for loans that would require an ability-to-repay determination (ATR <span class=\"match\">Form</span>) or one for loans that would be offered under the conditional exemption for covered short-term loans (Alternative Loan <span class=\"match\">Form</span>). During Round 1, many participants for both <span class=\"match\">form</span> types recognized and valued"},{"title":"Joint Report to Congress: Economic Growth and Regulatory Paperwork Reduction Act","type":"Notice","abstract":"Pursuant to section 2222 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA), the Federal Financial Institutions Examination Council (FFIEC) is publishing a report entitled \"Joint Report to Congress, March 2017, Economic Growth and Regulatory Paperwork Reduction Act\" prepared by four of its constituent agencies: The Board of Governors of the Federal Reserve System (Board), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Association (NCUA).","document_number":"2017-06131","html_url":"https://www.federalregister.gov/documents/2017/03/30/2017-06131/joint-report-to-congress-economic-growth-and-regulatory-paperwork-reduction-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-03-30/pdf/2017-06131.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-06131.pdf?1490791525","publication_date":"2017-03-30","agencies":[{"raw_name":"FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL","name":"Federal Financial Institutions Examination Council","id":168,"url":"https://www.federalregister.gov/agencies/federal-financial-institutions-examination-council","json_url":"https://www.federalregister.gov/api/v1/agencies/168","parent_id":null,"slug":"federal-financial-institutions-examination-council"}],"excerpts":"minimum number of payment <span class=\"match\">card</span> networks to be enabled on a debit <span class=\"match\">card</span> as long as an issuer or payment <span class=\"match\">card</span> network does not affirmatively create any impediments to the addition of unaffiliated payment <span class=\"match\">card</span> networks on a debit <span class=\"match\">card</span>. The Board stated that, by its terms, the statute's prohibition on exclusivity arrangements is not limited to those that are mandated or otherwise required by a payment <span class=\"match\">card</span> network. The Board stated that individual issuer decisions to limit the number of payment <span class=\"match\">card</span> networks enabled on a debit <span class=\"match\">card</span> to a single network or"},{"title":"Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is modifying the Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. This rule memorializes the Bureau's informal guidance on various issues and makes additional clarifications and technical amendments. This rule also creates tolerances for the total of payments, adjusts a partial exemption mainly affecting housing finance agencies and nonprofits, extends coverage of the TILA-RESPA integrated disclosure (integrated disclosure) requirements to all cooperative units, and provides guidance on sharing the integrated disclosures with various parties involved in the mortgage origination process.","document_number":"2017-15764","html_url":"https://www.federalregister.gov/documents/2017/08/11/2017-15764/amendments-to-federal-mortgage-disclosure-requirements-under-the-truth-in-lending-act-regulation-z","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-08-11/pdf/2017-15764.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-15764.pdf?1502369126","publication_date":"2017-08-11","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":"19(e)(1)(vi)-3 to clarify that, although use of the model <span class=\"match\">form</span> H-27 of appendix H to this part is not required, creditors using it properly will be deemed to be in <span class=\"match\">compliance</span> with § 1026.19(e)(1)(vi)(C). \n A creditor requested that the Bureau consider mandating the use of <span class=\"match\">form</span> H-27 rather than allowing creditors to use different variations. However, several industry commenters urged the Bureau to further clarify that creditors are not required to use model <span class=\"match\">form</span> H-27 and that creditors do not lose the model <span class=\"match\">form's</span> safe harbor protection if they opt not to include"},{"title":"Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is issuing this final rule to create comprehensive consumer protections for prepaid accounts under Regulation E, which implements the Electronic Fund Transfer Act; Regulation Z, which implements the Truth in Lending Act; and the official interpretations to those regulations. The final rule modifies general Regulation E requirements to create tailored provisions governing disclosures, limited liability and error resolution, and periodic statements, and adds new requirements regarding the posting of account agreements. Additionally, the final rule regulates overdraft credit features that may be offered in conjunction with prepaid accounts. Subject to certain exceptions, such credit features will be covered under Regulation Z where the credit feature is offered by the prepaid account issuer, its affiliate, or its business partner and credit can be accessed in the course of a transaction conducted with a prepaid card.","document_number":"2016-24503","html_url":"https://www.federalregister.gov/documents/2016/11/22/2016-24503/prepaid-accounts-under-the-electronic-fund-transfer-act-regulation-e-and-the-truth-in-lending-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-11-22/pdf/2016-24503.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-24503.pdf?1479735933","publication_date":"2016-11-22","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":"account or a credit <span class=\"match\">card</span> in addition to their GPR <span class=\"match\">card</span> as these products continue to evolve. The Bureau notes that GPR <span class=\"match\">card</span> functionality has been expanding. For example, some GPR <span class=\"match\">card</span> programs have started to offer checking account-like features such as the ability to write checks using pre-authorized checks. Similarly, many GPR programs allow third parties to credit the GPR <span class=\"match\">card</span> account via ACH (\n e.g., \n through direct deposit) and in more limited circumstances, to debit the GPR <span class=\"match\">card</span> account via ACH. Additionally, many GPR <span class=\"match\">card</span> programs have offered"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is proposing to establish 12 CFR 1041, which would contain regulations creating consumer protections for certain consumer credit products. The proposed regulations would cover payday, vehicle title, and certain high-cost installment loans.","document_number":"2016-13490","html_url":"https://www.federalregister.gov/documents/2016/07/22/2016-13490/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-07-22/pdf/2016-13490.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-13490.pdf?1469105146","publication_date":"2016-07-22","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"the information on the <span class=\"match\">forms</span>.\n \n \n For the origination <span class=\"match\">forms</span>, the questions focused on whether participants understood that their ability to rollover this loan or take out additional loans may be limited. Each participant reviewed one of two different prototype <span class=\"match\">forms</span>: either one for loans that would require an ability-to-\n \n repay determination (ATR <span class=\"match\">Form</span>) or one for loans that would be offered under the conditional exemption for covered short-term loans (Alternative Loan <span class=\"match\">Form</span>). During Round 1, many participants for both <span class=\"match\">form</span> types recognized and valued"},{"title":"Customer Due Diligence Requirements for Financial Institutions","type":"Rule","abstract":"FinCEN is issuing final rules under the Bank Secrecy Act to clarify and strengthen customer due diligence requirements for: Banks; brokers or dealers in securities; mutual funds; and futures commission merchants and introducing brokers in commodities. The rules contain explicit customer due diligence requirements and include a new requirement to identify and verify the identity of beneficial owners of legal entity customers, subject to certain exclusions and exemptions.","document_number":"2016-10567","html_url":"https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-11/pdf/2016-10567.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-10567.pdf?1462538729","publication_date":"2016-05-11","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":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"the certification <span class=\"match\">form</span> or could be obtained by other means; whether the certification <span class=\"match\">form</span> should be an official government <span class=\"match\">form</span>; and who is authorized to sign the certification <span class=\"match\">form</span> on behalf of the customer. Many urged FinCEN to treat the receipt of the certification <span class=\"match\">form</span> as a “safe harbor,” similar to the treatment of the certification used for <span class=\"match\">compliance</span> with the foreign shell bank regulation.\n 32 \n \n Commenters submitted several other comments and suggestions regarding the information to be included in the certification <span class=\"match\">form</span>.\n \n \n \n 32 \n  31"},{"title":"Arbitration Agreements","type":"Proposed Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), the Bureau of Consumer Financial Protection (Bureau) is proposing to establish 12 CFR part 1040, which would contain regulations governing two aspects of consumer finance dispute resolution. First, the proposed rule would prohibit covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action with respect to the covered consumer financial product or service. Second, the proposal would require a covered provider that is involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau. The Bureau proposes that the rulemaking would apply to certain consumer financial products and services. The Bureau is also proposing to adopt official interpretations to the proposed regulation.","document_number":"2016-10961","html_url":"https://www.federalregister.gov/documents/2016/05/24/2016-10961/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-24/pdf/2016-10961.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-10961.pdf?1464007523","publication_date":"2016-05-24","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"a payment instrument as defined 15 U.S.C. 5481(18) \n 472 \n \n or initiating a credit <span class=\"match\">card</span> or charge <span class=\"match\">card</span> transaction for a consumer, except when the person accepting the data or providing the product or service accepting the data is selling or marketing the nonfinancial good or service for which the payment, credit <span class=\"match\">card</span>, or charge <span class=\"match\">card</span> transaction is being made. Proposed comment 3(a)(8)-1 would clarify that the definitions of the terms credit <span class=\"match\">card</span> and charge <span class=\"match\">card</span> in Regulation Z, 12 CFR 1026.2(a)(15), apply to the use of these terms in proposed § 1040"},{"title":"Defining and Delimiting the Exemptions for Executive, Administrative, Professional, Outside Sales and Computer Employees","type":"Rule","abstract":"The Fair Labor Standards Act (FLSA or Act) guarantees a minimum wage for all hours worked during the workweek and overtime premium pay of not less than one and one-half times the employee's regular rate of pay for hours worked over 40 in a workweek. While these protections extend to most workers, the FLSA does provide a number of exemptions. In this Final Rule, the Department of Labor (Department) revises final regulations under the FLSA implementing the exemption from minimum wage and overtime pay for executive, administrative, professional, outside sales, and computer employees. These exemptions are frequently referred to as the \"EAP\" or \"white collar\" exemptions. To be considered exempt under part 541, employees must meet certain minimum requirements related to their primary job duties and, in most instances, must be paid on a salary basis at not less than the minimum amounts specified in the regulations. In this Final Rule the Department updates the standard salary level and total annual compensation requirements to more effectively distinguish between overtime-eligible white collar employees and those who may be exempt, thereby making the exemption easier for employers and employees to understand and ensuring that the FLSA's intended overtime protections are fully implemented. The Department sets the standard salary level for exempt EAP employees at the 40th percentile of weekly earnings of full-time salaried workers in the lowest-wage Census Region. The Department also permits employers to satisfy up to 10 percent of the standard salary requirement with nondiscretionary bonuses, incentive payments, and commissions, provided these forms of compensation are paid at least quarterly. The Department sets the total annual compensation requirement for an exempt Highly Compensated Employee (HCE) equal to the annualized weekly earnings of the 90th percentile of full-time salaried workers nationally. The Department also adds a provision to the regulations that automatically updates the standard salary level and HCE compensation requirements every three years by maintaining the earnings percentiles set in this Final Rule to prevent these thresholds from becoming outdated. Finally, the Department has not made any changes in this Final Rule to the duties tests for the EAP exemption.","document_number":"2016-11754","html_url":"https://www.federalregister.gov/documents/2016/05/23/2016-11754/defining-and-delimiting-the-exemptions-for-executive-administrative-professional-outside-sales-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-05-23/pdf/2016-11754.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-11754.pdf?1463676979","publication_date":"2016-05-23","agencies":[{"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":"Wage and Hour Division","name":"Wage and Hour Division","id":524,"url":"https://www.federalregister.gov/agencies/wage-and-hour-division","json_url":"https://www.federalregister.gov/api/v1/agencies/524","parent_id":271,"slug":"wage-and-hour-division"}],"excerpts":"ensure <span class=\"match\">compliance</span>.\n \n \n Multiple commenters also requested a delayed enforcement period or some <span class=\"match\">form</span> of safe harbor following the effective date of the Final Rule ranging from six months to two years. \n See, e.g. \n , \n ACRA; American Insurance Association and the Property Casualty Insurers Association of America (AIA-PCI); AT&amp;T; Chamber; Dollar Tree; International Franchise Association (IFA); the Littler Mendelson law firm; RILA; the Wessels Sherman law firm; World Travel. Several commenters also asked the Department to provide <span class=\"match\">compliance</span> assistance"},{"title":"Telemarketing Sales Rule","type":"Rule","abstract":"In this document, the Commission adopts amendments to the Telemarketing Sales Rule (\"TSR\" or \"Rule\"). These amendments define and prohibit the use of certain payment methods in all telemarketing transactions; expand the scope of the advance fee ban for recovery services; and clarify certain provisions of the Rule. The amendments are necessary to protect consumers from deceptive or abusive practices in telemarketing.","document_number":"2015-30761","html_url":"https://www.federalregister.gov/documents/2015/12/14/2015-30761/telemarketing-sales-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-12-14/pdf/2015-30761.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-30761.pdf?1449841520","publication_date":"2015-12-14","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":"Likewise, the payment <span class=\"match\">card</span> networks, such as American Express, Discover, MasterCard, and Visa, impose on participants (\n e.g., \n merchants, banks, and third party payment processors) a system of rules, monitoring, and penalties for noncompliance. Transactions processed through the payment <span class=\"match\">card</span> networks, including certain types of debit and general-purpose reloadable debit <span class=\"match\">card</span> (“GPR <span class=\"match\">card</span>”) transactions, are subject to systemic monitoring to identify unusual activity associated with fraud.\n 32 \n \n Among other things, payment <span class=\"match\">card</span> networks monitor whether"},{"title":"Temporary Non-Agricultural Employment of H-2B Aliens in the United States","type":"Rule","abstract":"The Department of Homeland Security (DHS) and the Department of Labor (DOL) are jointly issuing regulations governing the certification of the employment of nonimmigrant workers in temporary or seasonal non-agricultural employment and the enforcement of the obligations applicable to employers of such nonimmigrant workers. This interim final rule establishes the process by which employers obtain a temporary labor certification from DOL for use in petitioning DHS to employ a nonimmigrant worker in H-2B status. We are also issuing regulations to provide for increased worker protections for both United States (U.S.) and foreign workers. DHS and DOL are issuing simultaneously with this rule a companion rule governing the methodology to set the prevailing wage in the H-2B program.","document_number":"2015-09694","html_url":"https://www.federalregister.gov/documents/2015/04/29/2015-09694/temporary-non-agricultural-employment-of-h-2b-aliens-in-the-united-states","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-04-29/pdf/2015-09694.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-09694.pdf?1430225119","publication_date":"2015-04-29","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"},{"raw_name":"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":"Employment and Training Administration","name":"Employment and Training Administration","id":133,"url":"https://www.federalregister.gov/agencies/employment-and-training-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/133","parent_id":271,"slug":"employment-and-training-administration"},{"raw_name":"Wage and Hour Division","name":"Wage and Hour Division","id":524,"url":"https://www.federalregister.gov/agencies/wage-and-hour-division","json_url":"https://www.federalregister.gov/api/v1/agencies/524","parent_id":271,"slug":"wage-and-hour-division"}],"excerpts":"Number. \n See \n 5 CFR 1320.5(a), 1320.6, and 1320.11(k)(1).\n \n \n The <span class=\"match\">forms</span> used to comply with this interim final rule include those that have been required in the H-2B program over the last few years of program operation, except that <span class=\"match\">Form</span> ETA-9142, Appendix B has been modified to reflect the assurances and obligations of the H-2B employer as required under the <span class=\"match\">compliance</span>-based system of this interim final rule. Also, a new <span class=\"match\">form</span> was created for registering as an H-2B employer—the <span class=\"match\">Form</span> ETA-9155, \n H-2B Registration. \n DOL continues to include the \n Seafood"},{"title":"Asset-Backed Securities Disclosure and Registration","type":"Rule","abstract":"We are adopting significant revisions to Regulation AB and other rules governing the offering process, disclosure, and reporting for asset-backed securities (\"ABS\"). The final rules require that, with some exceptions, prospectuses for public offerings under the Securities Act of 1933 (\"Securities Act\") and ongoing reports under the Securities Exchange Act of 1934 (\"Exchange Act\") of asset-backed securities backed by real estate related assets, auto related assets, or backed by debt securities, including resecuritizations, contain specified asset-level information about each of the assets in the pool. The asset-level information is required to be provided according to specified standards and in a tagged data format using eXtensible Markup Language (\"XML\"). We also are adopting rules to revise filing deadlines for ABS offerings to provide investors with more time to consider transaction-specific information, including information about the pool assets. We are also adopting new registration forms tailored to ABS offerings. The final rules also repeal the credit ratings references in shelf eligibility criteria for ABS issuers and establish new shelf eligibility criteria.","document_number":"2014-21375","html_url":"https://www.federalregister.gov/documents/2014/09/24/2014-21375/asset-backed-securities-disclosure-and-registration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-09-24/pdf/2014-21375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-21375.pdf?1411476401","publication_date":"2014-09-24","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"Assessment of <span class=\"match\">Compliance</span> With Servicing Criteria \n \n C. Central Index Key Numbers for Depositor, Sponsor and Issuing Entity\n \n \n IX. Transition Period \n A. General Transition Period \n B. Transition Period for Asset-Level Disclosure Requirements \n C. <span class=\"match\">Compliance</span> Dates \n X. Paperwork Reduction Act \n A. Background \n B. Summary of Comment Letters on the PRA Analysis \n C. Revisions to Proposals \n D. PRA Reporting and Cost Burden Estimates \n 1. <span class=\"match\">Form</span> ABS-EE \n 2. <span class=\"match\">Form</span> S-3 and <span class=\"match\">Form</span> SF-3 \n 3. <span class=\"match\">Form</span> S-1 and <span class=\"match\">Form</span> SF-1 \n 4. <span class=\"match\">Form</span> 10-K \n 5. <span class=\"match\">Form</span> 10-D \n 6. <span class=\"match\">Form</span> 8-K \n 7"}]}