{"description":"Documents matching 'security card proof equifax different'","count":29,"total_pages":2,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+card+proof+equifax+different&format=json&page=2","results":[{"title":"Cybersecurity Risk Management Rule for Broker-Dealers, Clearing Agencies, Major Security-Based Swap Participants, the Municipal Securities Rulemaking Board, National Securities Associations, National Securities Exchanges, Security-Based Swap Data Repositories, Security-Based Swap Dealers, and Transfer Agents","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is proposing a new rule and form and amendments to existing recordkeeping rules to require broker-dealers, clearing agencies, major security- based swap participants, the Municipal Securities Rulemaking Board, national securities associations, national securities exchanges, security-based swap data repositories, security-based swap dealers, and transfer agents to address cybersecurity risks through policies and procedures, immediate notification to the Commission of the occurrence of a significant cybersecurity incident and, as applicable, reporting detailed information to the Commission about a significant cybersecurity incident, and public disclosures that would improve transparency with respect to cybersecurity risks and significant cybersecurity incidents. In addition, the Commission is proposing amendments to existing clearing agency exemption orders to require the retention of records that would need to be made under the proposed cybersecurity requirements. Finally, the Commission is proposing amendments to address the potential availability to security-based swap dealers and major security-based swap participants of substituted compliance in connection with those requirements.","document_number":"2023-05767","html_url":"https://www.federalregister.gov/documents/2023/04/05/2023-05767/cybersecurity-risk-management-rule-for-broker-dealers-clearing-agencies-major-security-based-swap","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-04-05/pdf/2023-05767.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-05767.pdf?1680612314","publication_date":"2023-04-05","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":" among other things, disseminating market information, underwriting <span class=\"match\">securities</span> issuances, making markets in <span class=\"match\">securities</span>, trading <span class=\"match\">securities</span>, providing liquidity to the <span class=\"match\">securities</span> markets, executing <span class=\"match\">securities</span> transactions, clearing and settling <span class=\"match\">securities</span> transactions, financing <span class=\"match\">securities</span> transactions, recording and transferring <span class=\"match\">securities</span> ownership, maintaining custody of <span class=\"match\">securities</span>, paying dividends and interest on <span class=\"match\">securities</span>, repaying principal on <span class=\"match\">securities</span> investments, supervising regulated market participants, and monitoring market activities"},{"title":"Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act (FDCPA) and Regulation F's prohibitions on false, deceptive, or misleading representations or means in connection with the collection of any medical debt and unfair or unconscionable means to collect or attempt to collect any medical debts.","document_number":"2024-22962","html_url":"https://www.federalregister.gov/documents/2024/10/04/2024-22962/debt-collection-practices-regulation-f-deceptive-and-unfair-collection-of-medical-debt","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-04/pdf/2024-22962.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22962.pdf?1727959529","publication_date":"2024-10-04","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":"contract is a matter of State law.\n \n \n \n Consumers consistently report being confused about medical billing practices.\n 8 \n \n One reason for this is the variation in how medical providers bill their patients. In most cases, medical providers charge <span class=\"match\">different</span> rates for the same services to <span class=\"match\">different</span> payors, for example charging patients far more than what Medicare would pay for a given procedure if the patient is not covered by Medicare.\n 9 \n \n This, in part, stems from the fact that the pricing of medical services is heavily negotiated between"},{"title":"Health Breach Notification Rule","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is amending the Commission's Health Breach Notification Rule (the \"HBN Rule\" or the \"Rule\"). 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":"2024-10855","html_url":"https://www.federalregister.gov/documents/2024/05/30/2024-10855/health-breach-notification-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-30/pdf/2024-10855.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-10855.pdf?1716986712","publication_date":"2024-05-30","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":" \n \n 309 \n  \n See \n IBM <span class=\"match\">Security</span>, Costs of a Data Breach Report 2023 (2023), \n https://www.ibm.com/reports/data-breach \n (“2023 IBM <span class=\"match\">Security</span> Report”). The research for the 2023 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 2023 IBM <span class=\"match\">Security</span> Report shows that cost per record of a breach was $165 per record in 2023, $164 in 2022, and $161 in 2021, resulting in an average cost of $163.33. Figure 5 of the 2023 IBM <span class=\"match\">Security</span> Report shows that 8.3% ($0"},{"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 Data Breach Report 2022 (2022), \n https://www.ibm.com/reports/data-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":"Medicaid Program; Streamlining the Medicaid, Children's Health Insurance Program, and Basic Health Program Application, Eligibility Determination, Enrollment, and Renewal Processes","type":"Rule","abstract":"This is the second part of a two-part final rule that simplifies the eligibility and enrollment processes for Medicaid, the Children's Health Insurance Program (CHIP), and the Basic Health Program (BHP). This rule aligns enrollment and renewal requirements for most individuals in Medicaid; establishes beneficiary protections related to returned mail; creates timeliness requirements for redeterminations of eligibility; makes transitions between programs easier; eliminates access barriers for children enrolled in CHIP by prohibiting premium lock-out periods, benefit limitations, and waiting periods; and modernizes recordkeeping requirements to ensure proper documentation of eligibility determinations.","document_number":"2024-06566","html_url":"https://www.federalregister.gov/documents/2024/04/02/2024-06566/medicaid-program-streamlining-the-medicaid-childrens-health-insurance-program-and-basic-health","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-02/pdf/2024-06566.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06566.pdf?1711543532","publication_date":"2024-04-02","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":"Streamlined Modular Certification process. As described at § 95.621, State agencies are responsible for the <span class=\"match\">security</span> of all automated data processing systems involved in the administration of Department of Health and Human Services' programs and must establish a <span class=\"match\">security</span> plan that outlines how software and data <span class=\"match\">security</span> will be maintained. This section further requires that State agencies conduct a review and evaluation of physical and data <span class=\"match\">security</span> operating procedures and personnel practices on a biennial basis. Additionally, as specified in part 11"},{"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":"label <span class=\"match\">card</span> in 2020, compared to 52 percent in 2005. Consumers in all credit score tiers have seen declines in private label <span class=\"match\">card</span> account holding. Most general purpose and private label cards are held by consumers with superprime scores. CFPB, \n The Consumer Credit <span class=\"match\">Card</span> Market, \n at 25-26 (Sept. 2021), \n https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-<span class=\"match\">card</span>-market-report_2021.pdf \n .\n \n \n \n \n 420 \n  \n See \n CFPB, \n Credit <span class=\"match\">card</span> late fees, \n at 13 (Mar. 2022), \n https://files.consumerfinance.gov/f/documents/cfpb_credit-<span class=\"match\">card</span>-late-fees_report_2022-03"},{"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":"142(b)(1) Appropriate <span class=\"match\">Proof</span> of Identity \n \n Section 605C is silent regarding whether and how consumers must establish their identity when submitting trafficking documentation to a consumer reporting agency. The Bureau proposed to define “appropriate <span class=\"match\">proof</span> of identity” as <span class=\"match\">proof</span> of identity that meets the requirements in § 1022.123.\n 24 \n \n This section, which concerns <span class=\"match\">proof</span> of identify for consumers regarding identity theft, fraud and active duty alerts, consumer report information blocks, and truncation of Social <span class=\"match\">Security</span> numbers, provides that"},{"title":"Joint Industry Plan; Notice of Filing of Amendment to the National Market System Plan Governing the Consolidated Audit Trail by BOX Exchange LLC; Cboe BYX Exchange, Inc., Cboe BZX Exchange, Inc., Cboe EDGA Exchange, Inc., Cboe EDGX Exchange, Inc., Cboe C2 Exchange, Inc. and Cboe Exchange, Inc., Financial Industry Regulatory Authority, Inc., Investors Exchange LLC, Long-Term Stock Exchange, Inc., Miami International Securities Exchange LLC, MEMX, LLC, MIAX Emerald, LLC, MIAX PEARL, LLC, Nasdaq BX, Inc., Nasdaq GEMX, LLC, Nasdaq ISE, LLC, Nasdaq MRX, LLC, Nasdaq PHLX LLC, The NASDAQ Stock Market LLC; and New York Stock Exchange LLC, NYSE American LLC, NYSE Arca, Inc., NYSE Chicago, Inc., and NYSE National, Inc.","type":"Notice","abstract":"Cyber Breach Analysis. The first analysis we present is to identify specific potential breach scenarios and assess the relative difficulty of implementation, relative frequency, and conditional severity of each. As part of this assessment, we identified eight potential scenarios in which bad actors could attempt to unlawfully obtain, utilize, and monetize CAT data. Of course, we recognize that cyber-attacks on the CAT could vary from the scenarios we hypothesize, but we offer them to provide a framework to assess the economic exposures that flow from the gathering, storage, and use of CAT data. Our risk analysis indicates that most of these scenarios are relatively low frequency events because they are either difficult to implement, unlikely to be meaningfully profitable for a bad actor, or both. The scenario analysis also indicates that three types of breaches--reverse engineering of trading algorithms, inserting fake data to wrongfully incriminate individuals or entities, and removing data to conceal misconduct--could result in \"extremely\" severe economic consequences (which we define as potentially greater than $100 million in damages). We conclude that all three of these types of breaches are relatively low frequency events. Summary: Regulation vs. Litigation to Mitigate Cyber Risk for the CAT. The second analysis we present focuses on whether the cyber risk posed by CAT should be addressed through ex-ante regulation, ex post litigation, or a combination of both approaches. In a prior version of the CAT Reporter Agreement, CAT LLC included a limitation of liability provision, which memorialized the Participants' view that Industry Members should not be able to litigate against CAT LLC or the Participants to recover damages sustained as a result of a cyber breach. Although the current operative version of the Reporter Agreement does not contain a limitation of liability, we understand that CAT LLC is submitting this White Paper in connection with CAT LLC's request that the SEC amend the CAT NMS Plan to authorize such a provision. We understand that the Industry Members have opposed any limitation of liability provision and contend that CAT LLC, as the party holding the CAT data, should be subject to litigation by the Industry Members in the event of a cyber breach. In deciding whether to approve Participants' proposed plan amendment, an important question for the SEC to address is whether, in light of the extensive cyber requirements already imposed on CAT LLC through regulation, the SEC-mandated nature of the CAT, and the ability of the SEC to bring enforcement actions to compel compliance, it is appropriate to also allow Industry Members to sue CAT LLC and the Participants. As part of our analysis, we specifically assess whether including a limitation of liability provision in the CAT Reporter Agreement is appropriate from the perspective of economic theory as applied to the specifics of this situation. By applying the economic principles of liability and regulation as a means of motivating risk-minimizing behavior and considering the crucial role of the SEC's mandates regarding cyber security for the CAT (which already incorporate the concerns of entities involved in the National Market System as a whole), we conclude that the regulatory approach leads to the socially desirable level of investment in cyber security and protection of CAT data. We further conclude that SIFMA's position, which advocates allowing Industry Members to litigate against CAT LLC and the Participants in the event of a cyber breach, would result in increased costs for various economic actors--including CAT LLC, the Participants, Industry Members, and retail investors--without any meaningful benefit to the CAT's cyber security. At a high level (and as discussed in extensive detail below), we therefore conclude that CAT LLC's proposal to limit its liability and the liability of the Participants is well supported by applicable economic principles in the framework of the SEC's mission and its mandates regarding the CAT. As a general matter, economic theory provides that society can motivate economic actors to take appropriate precautions to minimize the likelihood and consequences of accidents and misconduct through: (a) A regulatory approach (i.e., dictating specific precautions, requirements, and standards in advance), (b) a litigation approach (i.e., civil liability for damages caused by failing to adhere to a general standard of care), or (c) a combination of (a) and (b). At the outset, we note that we do not address this question in a vacuum. Rather, we conduct our examination in the context of an extensive regulatory program that the SEC has enacted mandating specific cyber standards, policies, procedures, systems, and controls that CAT LLC and the Plan Processor must implement. This regulatory regime was developed with extensive feedback from the securities industry (e.g., through the Development Advisory Group and the Advisory Committee) and is subject to ongoing review and modification through a public review and comment process. Moreover, CAT LLC's compliance with the requirements of this regulatory regime can be policed by the SEC's Enforcement Division. We also note that in adopting the CAT NMS Plan, the SEC concluded that the regulatory approach to cyber security was sufficient when it stated that \"the extensive, robust security requirements in the adopted [CAT NMS] Plan . . . provide appropriate, adequate protection for the CAT Data.\" \\5\\ ---------------------------------------------------------------------------","document_number":"2020-29216","html_url":"https://www.federalregister.gov/documents/2021/01/06/2020-29216/joint-industry-plan-notice-of-filing-of-amendment-to-the-national-market-system-plan-governing-the","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-01-06/pdf/2020-29216.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-29216.pdf?1609854326","publication_date":"2021-01-06","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":"records exposed,\n 60 \n \n the \n \n higher the loss amount. We note that <span class=\"match\">Equifax</span> is not included in the PII breach data because that breach included access to PFI (social <span class=\"match\">security</span> numbers). The <span class=\"match\">Equifax</span> loss was $2.5 billion and is the largest publicly disclosed PFI breach. It has been reported that this loss resulted from <span class=\"match\">Equifax</span> leaving itself significantly exposed to hacking because it failed to implement various software <span class=\"match\">security</span> patches in a timely manner. In relation to the <span class=\"match\">Equifax</span> breach, the number of records potentially exposed at the CAT could"},{"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":"Military Credit Monitoring","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is publishing a final rule to implement the credit monitoring provisions applicable to active duty military consumers in section 302 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amends the Fair Credit Reporting Act (\"FCRA\"). That section requires nationwide consumer reporting agencies (\"NCRAs\") to provide a free electronic credit monitoring service to active duty military consumers, subject to certain conditions. The final rule defines \"electronic credit monitoring service,\" \"contact information,\" \"material additions or modifications to the file of a consumer,\" and \"appropriate proof of identity,\" among other terms. It also contains requirements on how NCRAs must verify that an individual is an active duty military consumer. Further, the final rule contains restrictions on the use of personal information and on communications surrounding enrollment in the electronic credit monitoring service.","document_number":"2019-13598","html_url":"https://www.federalregister.gov/documents/2019/07/01/2019-13598/military-credit-monitoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-07-01/pdf/2019-13598.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-13598.pdf?1561725918","publication_date":"2019-07-01","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":"recommended additional methods of validation. One commenter raised concerns about whether the current methods of <span class=\"match\">proof</span> would cover members of the National Guard when not on active duty orders.\n 45 \n \n This commenter suggested that a current leave and earnings statement is a method of <span class=\"match\">proof</span> that would be available to the National Guard.\n 46 \n \n Another commenter suggested that a letter from the consumer's commanding officer should be appropriate <span class=\"match\">proof</span>.\n 47 \n \n \n \n \n 45 \n  \n See \n NCLC \n et al. \n (\n comment 20 \n ) at 6-7.\n \n \n \n \n 46 \n  \n See \n NCLC \n et al"},{"title":"Military Credit Monitoring","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is publishing for comment a proposed rule to implement the credit monitoring provisions applicable to active duty military consumers in section 302 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amends the Fair Credit Reporting Act (FCRA). That section requires nationwide consumer reporting agencies to provide a free electronic credit monitoring service to active duty military consumers, subject to certain conditions. The proposed rule defines \"electronic credit monitoring service,\" \"contact information,\" \"material additions or modifications to the file of a consumer,\" and \"appropriate proof of identity,\" among other terms. It also contains requirements on how nationwide consumer reporting agencies must verify that an individual is an active duty military consumer.","document_number":"2018-24940","html_url":"https://www.federalregister.gov/documents/2018/11/16/2018-24940/military-credit-monitoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2018-11-16/pdf/2018-24940.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-24940.pdf?1542289524","publication_date":"2018-11-16","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":"in the proposed rule. \n Appropriate <span class=\"match\">Proof</span> of Identity \n Proposed paragraph (b) defines “appropriate <span class=\"match\">proof</span> of identity” as having the same meaning as set forth in 12 CFR 1022.123. Although the statute requires only that consumer reporting agencies obtain contact information and appropriate <span class=\"match\">proof</span> of active duty military status before providing electronic credit monitoring to military consumers, the proposed rule adds language that would permit the nationwide consumer reporting agencies to request appropriate <span class=\"match\">proof</span> of identity before providing a military"},{"title":"Debt Collection Practices (Regulation F)","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) proposes to amend Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act (FDCPA) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau's proposal would amend Regulation F to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau's proposal would, among other things, address communications in connection with debt collection; interpret and apply prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection; and clarify requirements for certain consumer-facing debt collection disclosures.","document_number":"2019-09665","html_url":"https://www.federalregister.gov/documents/2019/05/21/2019-09665/debt-collection-practices-regulation-f","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-05-21/pdf/2019-09665.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-09665.pdf?1558356319","publication_date":"2019-05-21","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"debts because they have employees who specialize in collecting <span class=\"match\">different</span> types of debts. In other cases, such as with medical debts, privacy concerns or State or Federal laws may require a debt collector to segregate information about a particular debt from information about a consumer's other debts. A consumer's debts also may enter collection at <span class=\"match\">different</span> points in time and thus be at <span class=\"match\">different</span> stages of the collections process, such that the <span class=\"match\">different</span> debts may be eligible for <span class=\"match\">different</span> types of settlement offers. Debt collectors report that, in"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau) is proposing to rescind certain provisions of the regulation promulgated by the Bureau in November 2017 governing Payday, Vehicle Title, and Certain High-Cost Installment Loans (2017 Final Rule or Rule). The provisions of the Rule which the Bureau proposes to rescind provide that it is an unfair and abusive practice for a lender to make a covered short-term or longer-term balloon-payment loan, including payday and vehicle title loans, without reasonably determining that consumers have the ability to repay those loans according to their terms; prescribe mandatory underwriting requirements for making the ability-to-repay determination; exempt certain loans from the mandatory underwriting requirements; and establish related definitions, reporting, and recordkeeping requirements. This proposal is related to another proposal, published separately in this issue of the Federal Register, seeking comment on whether the Bureau should delay the August 19, 2019 compliance date for these portions of the 2017 Final Rule.","document_number":"2019-01906","html_url":"https://www.federalregister.gov/documents/2019/02/14/2019-01906/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-02-14/pdf/2019-01906.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-01906.pdf?1549919722","publication_date":"2019-02-14","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":"public on standard terms, and the 2017 Final Rule did not conclude, for example, that lenders had the ability to identify consumers with particular vulnerabilities prior to lending and use that information to treat some consumers <span class=\"match\">differently</span> than others, for example, by charging them <span class=\"match\">different</span> \n \n prices or including <span class=\"match\">different</span> terms in contracts for them.\n 281 \n \n \n \n \n 281 \n  As previously noted, due to similarities between the unfairness provisions in the Dodd-Frank Act and the FTC Act, FTC Act precedent informs the Bureau's understanding of unfairness"},{"title":"Inadmissibility on Public Charge Grounds","type":"Proposed Rule","abstract":"The U.S. Department of Homeland Security (DHS) proposes to prescribe how it determines whether an alien is inadmissible to the United States under section 212(a)(4) of the Immigration and Nationality Act (INA) because he or she is likely at any time to become a public charge. Aliens who seek adjustment of status or a visa, or who are applicants for admission, must establish that they are not likely at any time to become a public charge, unless Congress has expressly exempted them from this ground of inadmissibility or has otherwise permitted them to seek a waiver of inadmissibility. Moreover, DHS proposes to require all aliens seeking an extension of stay or change of status to demonstrate that they have not received, are not currently receiving, nor are likely to receive, public benefits as defined in the proposed rule. DHS proposes to define \"public charge\" as the term is used in sections 212(a)(4) of the Act. DHS also proposes to define the types of public benefits that are considered in public charge inadmissibility determinations. DHS would consider an alien's receipt of public benefits when such receipt is above the applicable threshold(s) proposed by DHS, either in terms of dollar value or duration of receipt. DHS proposes to clarify that it will make public charge inadmissibility determinations based on consideration of the factors set forth in section 212(a)(4) and in the totality of an alien's circumstances. DHS also proposes to clarify when an alien seeking adjustment of status, who is inadmissible under section 212(a)(4) of the Act, may be granted adjustment of status in the discretion of DHS upon the giving of a public charge bond. DHS is also proposing revisions to existing USCIS information collections and new information collection instruments to accompany the proposed regulatory changes. With the publication of this proposed rule, DHS withdraws the proposed regulation on public charge that the former Immigration and Naturalization Service (INS) published on May 26, 1999.","document_number":"2018-21106","html_url":"https://www.federalregister.gov/documents/2018/10/10/2018-21106/inadmissibility-on-public-charge-grounds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2018-10-10/pdf/2018-21106.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-21106.pdf?1538743523","publication_date":"2018-10-10","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":"begin receiving retirement benefits from Social <span class=\"match\">Security</span>.\n 433 \n \n The minimum age for retirement for purposes of Social <span class=\"match\">Security</span> is generally 62.\n 434 \n \n People who are at the minimum retirement age may stop working and start receiving retirement benefits such as Social <span class=\"match\">Security</span>. If a person does have access to Social <span class=\"match\">Security</span> benefits or a retirement pension, he or she may not need public benefits for income maintenance or other benefits to be self-sufficient as the income from Social <span class=\"match\">Security</span> or the pension may suffice.\n \n \n \n 433 \n  \n See "},{"title":"Medicare Program; Revisions to Payment Policies Under the Physician Fee Schedule and Other Revisions to Part B for CY 2019; Medicare Shared Savings Program Requirements; Quality Payment Program; Medicaid Promoting Interoperability Program; Quality Payment Program-Extreme and Uncontrollable Circumstance Policy for the 2019 MIPS Payment Year; Provisions From the Medicare Shared Savings Program-Accountable Care Organizations-Pathways to Success; and Expanding the Use of Telehealth Services for the Treatment of Opioid Use Disorder Under the Substance Use-Disorder Prevention That Promotes Opioid Recovery and Treatment (SUPPORT) for Patients and Communities Act","type":"Rule","abstract":"This major final rule addresses changes to the Medicare physician fee schedule (PFS) and other Medicare Part B payment policies to ensure that our payment systems are updated to reflect changes in medical practice and the relative value of services, as well as changes in the statute. This final rule also finalizes policies included in the interim final rule with comment period in \"Medicare Program; CY 2018 Updates to the Quality Payment Program; and Quality Payment Program: Extreme and Uncontrollable Circumstance Policy for the Transition Year\" that address the extreme and uncontrollable circumstances MIPS eligible clinicians faced as a result of widespread catastrophic events affecting a region or locale in CY 2017, such as Hurricanes Irma, Harvey and Maria. In addition, this final rule addresses a subset of the changes to the Medicare Shared Savings Program for Accountable Care Organizations (ACOs) proposed in the August 2018 proposed rule \"Medicare Program; Medicare Shared Savings Program; Accountable Care Organizations--Pathways to Success\". This final rule also addresses certain other revisions designed to update program policies under the Shared Savings Program. The interim final rule implements amendments made by the SUPPORT for Patients and Communities Act to the Medicare telehealth provisions in the Social Security Act and regarding permissible telehealth originating sites for purposes of treatment of a substance use disorder or a co-occurring mental health disorder for telehealth services furnished on or after July 1, 2019 to an individual with a substance use disorder diagnosis.","document_number":"2018-24170","html_url":"https://www.federalregister.gov/documents/2018/11/23/2018-24170/medicare-program-revisions-to-payment-policies-under-the-physician-fee-schedule-and-other-revisions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2018-11-23/pdf/2018-24170.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-24170.pdf?1541438783","publication_date":"2018-11-23","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":"on conducting a <span class=\"match\">security</span> risk analysis in accordance with the HIPAA <span class=\"match\">Security</span> Rule (\n http://www.hhs.gov/hipaa/forprofessionals/<span class=\"match\">security</span>/guidance/guidance-risk-analysis/index.html \n ). Additional free tools and resources available to assist MIPS eligible clinicians include a <span class=\"match\">Security</span> Risk Assessment (SRA) Tool developed by the Office of National Coordinator for Health Information Technology (ONC) and OCR at \n http://www.healthit.gov/providersprofessionals/<span class=\"match\">security</span>-risk-assessment-tool \n . We believe that performing an annual <span class=\"match\">security</span> risk assessment"},{"title":"Medicare Program; Revisions to Payment Policies Under the Physician Fee Schedule and Other Revisions to Part B for CY 2019; Medicare Shared Savings Program Requirements; Quality Payment Program; and Medicaid Promoting Interoperability Program","type":"Proposed Rule","abstract":"This major proposed rule addresses changes to the Medicare physician fee schedule (PFS) and other Medicare Part B payment policies to ensure that our payment systems are updated to reflect changes in medical practice and the relative value of services, as well as changes in the statute.","document_number":"2018-14985","html_url":"https://www.federalregister.gov/documents/2018/07/27/2018-14985/medicare-program-revisions-to-payment-policies-under-the-physician-fee-schedule-and-other-revisions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2018-07-27/pdf/2018-14985.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-14985.pdf?1531936947","publication_date":"2018-07-27","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":"implementation of appropriate technical, administrative, and physical safeguards.\n \n \n <span class=\"match\">Security</span> Risk Analysis Measure: \n Conduct or review a <span class=\"match\">security</span> risk analysis in accordance with the requirements in 45 CFR 164.308(a)(1), including addressing the <span class=\"match\">security</span> (to include encryption) of ePHI data created or maintained by CEHRT in accordance with requirements in 45 CFR 164.312(a)(2)(iv) and 164.306(d)(3), implement <span class=\"match\">security</span> updates as necessary, and correct identified <span class=\"match\">security</span> deficiencies as part of the MIPS eligible clinician's risk management process.\n"},{"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":"1041 credit <span class=\"match\">card</span> accounts meeting the definition of credit <span class=\"match\">card</span> account under an open-end (not home-secured) consumer credit plan in Regulation Z § 1026.2(a)(15)(ii), rather than products meeting the more general definition of credit <span class=\"match\">card</span> accounts under Regulation Z § 1026.2(a)(15). By focusing on the narrower category, the exclusion would apply only to credit <span class=\"match\">card</span> accounts that are subject to the Credit <span class=\"match\">CARD</span> Act of 2009,\n 438 \n \n which provides various heightened safeguards for consumers. These protections include a limitation that <span class=\"match\">card</span> issuers cannot"},{"title":"Arbitration Agreements","type":"Rule","abstract":"Pursuant to section 1028(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to regulate arbitration agreements in contracts for specified consumer financial product and services. First, the final rule prohibits covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action concerning the covered consumer financial product or service. Second, the final rule requires covered providers that are involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau and also to submit specified court records. The Bureau is also adopting official interpretations to the regulation.","document_number":"2017-14225","html_url":"https://www.federalregister.gov/documents/2017/07/19/2017-14225/arbitration-agreements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-07-19/pdf/2017-14225.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-14225.pdf?1500381927","publication_date":"2017-07-19","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"160 \n  12 CFR 1026.58(c) (requiring credit <span class=\"match\">card</span> issuers to submit their currently-offered credit <span class=\"match\">card</span> agreements to the Bureau to be posted on the Bureau's Web site).\n \n \n \n For GPR prepaid cards, the Bureau's sample included agreements from two sources. The Bureau gathered agreements for 52 GPR prepaid cards that were listed on the Web sites of two major <span class=\"match\">card</span> networks and a Web site that provided consolidated <span class=\"match\">card</span> information as of August 2013. The Bureau also obtained agreements from GPR prepaid <span class=\"match\">card</span> providers that had been included in several"},{"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":"1041. The term <span class=\"match\">security</span> interest would include any <span class=\"match\">security</span> interest that the lender or service provider has in the consumer's vehicle, vehicle title, or vehicle registration. As proposed comment 3(d)(1)-1 clarifies, a party would not obtain vehicle <span class=\"match\">security</span> if that person obtains a <span class=\"match\">security</span> interest in the consumer's vehicle for a reason unrelated to the loan. \n The <span class=\"match\">security</span> interest would not need to be perfected or recorded in order to trigger coverage under proposed § 1041.3(d)(1). The consumer may not be aware that the <span class=\"match\">security</span> interest is not"},{"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"}]}