{"description":"Documents matching 'security home phone credit card'","count":1495,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+home+phone+credit+card&format=json&page=2","results":[{"title":"Order Preempting the Illinois Interchange Fee Prohibition Act","type":"Notice","abstract":"The OCC is issuing an interim final order concluding that Federal law preempts the Illinois Interchange Fee Prohibition Act, which purports to prohibit national banks and Federal savings associations from charging or receiving interchange fees on the tax and gratuity portions of payment card transactions; and restrict the use of payment card transaction data. The OCC invites public comments on this interim final order.","document_number":"2026-08341","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08341/order-preempting-the-illinois-interchange-fee-prohibition-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08341.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08341.pdf?1777380322","publication_date":"2026-04-29","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"paid in cash. We use the same ratio of debit to <span class=\"match\">credit</span> <span class=\"match\">card</span> purchase volume to split the tips paid with cards into those paid with a <span class=\"match\">credit</span> <span class=\"match\">card</span> (55 percent) and those paid with a debit <span class=\"match\">card</span> (45 percent) to differentiate the applicable interchange fees. We apply the same average interchange fee of 2 percent for <span class=\"match\">credit</span> cards and .05 percent for debit cards. We also assume that OCC issuers hold 81.2 percent of payment <span class=\"match\">card</span> balances and purchase volumes. Accordingly, we estimate that OCC-supervised <span class=\"match\">card</span> issuers would lose approximately $23 million of"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is revising certain provisions of Regulation B, subpart B, which implements changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is amending coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of section 1071.","document_number":"2026-08494","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08494/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08494.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08494.pdf?1777564810","publication_date":"2026-05-01","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":"broadly defined a “covered <span class=\"match\">credit</span> transaction” as an extension of business <span class=\"match\">credit</span> that is not specifically excluded. While the rule enumerated certain exclusions—such as trade <span class=\"match\">credit</span>, HMDA-reportable transactions, insurance premium financing, public utilities <span class=\"match\">credit</span>, <span class=\"match\">securities</span> <span class=\"match\">credit</span>, and incidental <span class=\"match\">credit</span>—\n \n it aimed for broad coverage to prevent evasion and ensure a complete data set. Consequently, the 2023 final rule encompassed a wide range of <span class=\"match\">credit</span> products, including merchant cash advances and agricultural <span class=\"match\">credit</span>.\n \n In the 2025 proposed"},{"title":"Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) proposes revisions to certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity for lenders, and improve data quality, advancing the purposes of section 1071 and complying with recent executive directives.","document_number":"2025-19865","html_url":"https://www.federalregister.gov/documents/2025/11/13/2025-19865/small-business-lending-under-the-equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-13/pdf/2025-19865.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19865.pdf?1762955111","publication_date":"2025-11-13","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"small business <span class=\"match\">credit</span> applications if they originated at least 100 covered <span class=\"match\">credit</span> transactions in each of the two preceding calendar years. Loans, lines of <span class=\"match\">credit</span>, <span class=\"match\">credit</span> cards, and merchant cash advances (including such <span class=\"match\">credit</span> transactions for agricultural purposes) all fall within the transactional scope of the 2023 final rule, with no limitations on loan amount. The Bureau excluded trade <span class=\"match\">credit</span>, transactions that are reportable under HMDA, insurance premium financing, public utilities <span class=\"match\">credit</span>, <span class=\"match\">securities</span> <span class=\"match\">credit</span>, and incidental <span class=\"match\">credit</span>. Factoring,"},{"title":"HOME Investment Partnerships Program: Program Updates and Streamlining","type":"Rule","abstract":"HUD's HOME Investment Partnerships Program (HOME program or HOME) provides formula grants to States and units of general local government to fund a wide range of activities to produce and maintain affordable rental and homeownership housing and provides tenant-based rental assistance for low-income and very low-income households. This final rule revises the current HOME regulations to update, simplify, or streamline requirements, better align the program with other Federal housing programs, and implement recent amendments to the HOME statute. This final rule also includes minor revisions to the regulations for the Community Development Block Grant and Section 8 Housing Choice Voucher Programs consistent with the implementation of the changes to the HOME program. This final rule follows the publication of a proposed rule on May 29, 2024, and takes into consideration the comments received in response to that proposed rule.","document_number":"2024-29824","html_url":"https://www.federalregister.gov/documents/2025/01/06/2024-29824/home-investment-partnerships-program-program-updates-and-streamlining","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-06/pdf/2024-29824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29824.pdf?1735911914","publication_date":"2025-01-06","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":" 2 \n \n <span class=\"match\">HOME</span> program funds are awarded annually as formula grants to PJs. After the Department obligates funds to a PJ, the Department establishes a <span class=\"match\">HOME</span> Investment Trust Fund \n 3 \n \n for each PJ, providing a line of <span class=\"match\">credit</span> that a PJ may draw upon as needed.\n \n \n \n 1 \n  42 U.S.C. 12721 \n et seq. \n \n \n \n \n 2 \n  See HUD's <span class=\"match\">HOME</span> Investment Partnerships Program web page at \n https://www.hud.gov/program_offices/comm_planning/<span class=\"match\">home</span>. \n \n \n \n \n 3 \n  HUD's regulations for the <span class=\"match\">HOME</span> Investment Trust Fund can be found at 24 CFR 92.500.\n \n \n \n The <span class=\"match\">HOME</span> program"},{"title":"Concept Release on Residential Mortgage-Backed Securities Disclosures and Enhancements to Asset-Backed Securities Registration","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is publishing this concept release to solicit comments on whether to amend the asset-level disclosure requirements for residential mortgage-backed securities in Item 1125 of Regulation AB and whether to revise generally the definition of \"asset-backed security\" and/or other definitions in Item 1101 of Regulation AB. The Commission is considering these steps to expand issuer and investor access to the registered asset-backed securities markets and facilitate enhanced capital formation and liquidity while maintaining appropriate investor protections.","document_number":"2025-19152","html_url":"https://www.federalregister.gov/documents/2025/10/01/2025-19152/concept-release-on-residential-mortgage-backed-securities-disclosures-and-enhancements-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-01/pdf/2025-19152.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19152.pdf?1759236316","publication_date":"2025-10-01","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":"92% of single-family mortgage-related <span class=\"match\">securities</span> issuances in 2024 were conducted by the Agencies while 8% were private-label <span class=\"match\">securities</span> issuances).\n \n \n \n \n 28 \n  <span class=\"match\">Securities</span> issued or guaranteed by the Agencies are, like government <span class=\"match\">securities</span>, exempt from the registration and reporting requirements of the <span class=\"match\">Securities</span> Act and the Exchange Act. \n See \n 12 U.S.C. 1455(g) and 1723c. They are, however, subject to other regulatory reporting requirements.\n \n \n \n \n 29 \n  \n See \n Diana Knyazeva, \n Asset-Backed <span class=\"match\">Securities</span> Markets: Issuance and Structure \n (Apr"},{"title":"Request for Information and Comment on Operational Aspects of Federal Reserve Bank Extensions of Discount Window and Intraday Credit","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) seeks public input on questions related to the operational aspects of Federal Reserve Bank (Reserve Bank) extensions of discount window and intraday credit. This Request for Information (RFI) offers the opportunity for interested individuals and institutions to identify ways to enhance the efficiency of Reserve Bank credit operations. This RFI does not seek comment on discount window or intraday credit policy considerations, such as the eligibility criteria and terms for discount window advances and intraday credit.","document_number":"2024-20418","html_url":"https://www.federalregister.gov/documents/2024/09/10/2024-20418/request-for-information-and-comment-on-operational-aspects-of-federal-reserve-bank-extensions-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-10/pdf/2024-20418.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-20418.pdf?1725885940","publication_date":"2024-09-10","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"first-priority <span class=\"match\">security</span> interest in collateral.\n \n \n \n \n 10 \n  The current collateral margins tables can be found at \n https://www.frbdiscountwindow.org/Pages/Collateral/collateral_valuation. \n \n \n \n Depository institutions pledge <span class=\"match\">securities</span> to a Reserve Bank by transferring them to restricted <span class=\"match\">securities</span> accounts held at approved <span class=\"match\">securities</span> depositories, including the Fedwire® <span class=\"match\">Securities</span> Service (FSS) and The Depository Trust Company (DTC).\n 11 \n \n In the absence of unusual concerns about the eligibility or valuation of the <span class=\"match\">security</span>, the pledge is"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"Pursuant to the provisions of the Privacy Act of 1974, as amended, the Department of the Housing and Urban Development (HUD) is issuing a public notice of its intent to modify the Office of Single- Family Program Development Privacy Act system of records \"Credit Alert Verification Reporting System (CAIVRS).\" This System of Records Notice (SORN) is being modified to update the system location, categories of record, authority for maintenance of the system, and record source categories. The updates are explained in the SUPPLEMENTARY INFORMATION section of this notice.","document_number":"2025-22505","html_url":"https://www.federalregister.gov/documents/2025/12/11/2025-22505/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-11/pdf/2025-22505.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22505.pdf?1765374319","publication_date":"2025-12-11","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS: \n Social <span class=\"match\">Security</span> Numbers, Taxpayer ID Numbers, and Employer Identification Numbers. \n POLICIES AND PRACTICIES FOR RENTENTION AND DISPOSAL OF RECORDS: \n All records related to Federal Housing Administration (FHA) Mortgage <span class=\"match\">Credit</span> Alert report will be destroyed according to HUD Schedule Appendix 20 Single Family <span class=\"match\">Home</span> Mortgage Records, item 13B6 which states the following, destroyed when superseded or obsolete. \n All records related to FHA Mortgage <span class=\"match\">Credit</span> Verification will be destroyed according to HUD Schedule"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"Pursuant to the Privacy Act of 1974, the Export-Import Bank of the United States (\"EXIM\", \"EXIM Bank\", or \"The Bank\") proposes a new system of records notice (\"SORN\"). The new system of records described in this notice, EXIM PERSEC IQ, will enable EXIM's Security Office staff to store and manage EXIM personnel security information, manage the integrated workflow processes and activities, manage caseloads, and reporting capabilities relative to personnel security investigations. Records in the system are used to document and support decisions regarding the suitability, eligibility, and fitness of applicants for Federal and contract employment to include students, interns, or volunteers to the extent that their duties require access to Federal facilities, information, systems, or applications. Additionally, records may be used to document security violations and supervisory actions taken. Information contained in PERSEC IQ includes but is not limited to: Employment records, education history, credit history, subjects' previous addresses, names of friends, neighbors, and associates, selective service records, military history, citizenship, pre-employment waivers, Background Investigations (BIs), security clearances, Sensitive Compartmented Information (SCI) access, clearance receipts (reciprocity), reinvestigations, completion dates of various security checks, and adjudication status/notes and decisions.","document_number":"2025-04894","html_url":"https://www.federalregister.gov/documents/2025/03/21/2025-04894/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-03-21/pdf/2025-04894.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-04894.pdf?1742474718","publication_date":"2025-03-21","agencies":[{"raw_name":"EXPORT-IMPORT BANK","name":"Export-Import Bank","id":151,"url":"https://www.federalregister.gov/agencies/export-import-bank","json_url":"https://www.federalregister.gov/api/v1/agencies/151","parent_id":null,"slug":"export-import-bank"}],"excerpts":"Fingerprints, \n • Summary report of investigation, \n • Results of suitability decisions, \n • Level of <span class=\"match\">security</span> clearance(s) held, \n • Date of issuance of <span class=\"match\">security</span> clearance, \n • Requests for appeal, \n • Witness statements, \n • Investigator's notes, \n • <span class=\"match\">Credit</span> reports, \n • <span class=\"match\">Security</span> violations, \n • Circumstances of violation, and agency action taken. \n • SF-85, SF-85P, \n • SF-86, SF-86C, \n • OF-306. \n RECORD SOURCE CATEGORIES: \n The Defense Counterintelligence <span class=\"match\">Security</span> Agency's (DCSA) National Background Investigation System (NBIS) will provide a conduit for"},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","document_number":"2024-29699","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"also have required covered overdraft <span class=\"match\">credit</span> offered by very large financial institutions to be put in a <span class=\"match\">credit</span> account separate from the asset account, and it would have updated exceptions relating to <span class=\"match\">credit</span> cards. Among other changes, it would have applied the portions of Regulation Z that implement the <span class=\"match\">Credit</span> <span class=\"match\">Card</span> Accountability Responsibility and Disclosure Act of 2009 (<span class=\"match\">CARD</span> Act) \n 96 \n \n to covered overdraft <span class=\"match\">credit</span> that can be accessed by a hybrid debit-<span class=\"match\">credit</span> <span class=\"match\">card</span>, such as a debit <span class=\"match\">card</span> or other single <span class=\"match\">credit</span> device (including certain account numbers)"},{"title":"Contributions Through Untraceable Electronic Payment Methods","type":"Proposed Rule","abstract":"The Commission announces its receipt of a Petition for Rulemaking submitted by Ken Paxton, Attorney General of Texas. The Petition asks the Commission to amend its regulations concerning the use of credit cards to make contributions, to address the potential use of prepaid cards to circumvent contribution amount limitations and source prohibitions.","document_number":"2024-27583","html_url":"https://www.federalregister.gov/documents/2024/11/26/2024-27583/contributions-through-untraceable-electronic-payment-methods","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-26/pdf/2024-27583.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27583.pdf?1732542326","publication_date":"2024-11-26","agencies":[{"raw_name":"FEDERAL ELECTION COMMISSION","name":"Federal Election Commission","id":165,"url":"https://www.federalregister.gov/agencies/federal-election-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/165","parent_id":null,"slug":"federal-election-commission"}],"excerpts":"provide that records for contributions made by <span class=\"match\">credit</span>, debit, prepaid, or gift <span class=\"match\">card</span> must include documentation confirming that a cross-check occurred between the contributor's self-reported identifying information with the <span class=\"match\">card</span> issuing institution's own information on the name and billing address of the cardholder. \n \n • Amend 104.14(e) to provide that contributions cannot be accepted from prepaid or gift cards unless the information from those prepaid or gift cards can be cross-checked with the <span class=\"match\">card</span> issuing institution to confirm the name and billing"},{"title":"Debit Card Interchange Fees and Routing","type":"Proposed Rule","abstract":"Regulation II implements a provision of the Dodd-Frank Act that requires the Board to establish standards for assessing whether the amount of any interchange fee received by a debit card issuer is reasonable and proportional to the cost incurred by the issuer with respect to the transaction. Under the current rule, for a debit card transaction that does not qualify for a statutory exemption, the interchange fee can be no more than the sum of a base component of 21 cents, an ad valorem component of 5 basis points multiplied by the value of the transaction, and a fraud-prevention adjustment of 1 cent if the issuer meets certain fraud-prevention-standards. The Board developed the current interchange fee cap in 2011 using data voluntarily reported to the Board by large debit card issuers concerning transactions performed in 2009. Since that time, data collected by the Board every other year on a mandatory basis from large debit card issuers show that certain costs incurred by these issuers have declined significantly; however, the interchange fee cap has remained the same. For this reason, the Board proposes to update all three components of the interchange fee cap based on the latest data reported to the Board by large debit card issuers. Further, the Board proposes to update the interchange fee cap every other year going forward by directly linking the interchange fee cap to data from the Board's biennial survey of large debit card issuers. Initially, under the proposal, the base component would be 14.4 cents, the ad valorem component would be 4.0 basis points (multiplied by the value of the transaction), and the fraud-prevention adjustment would be 1.3 cents for debit card transactions performed from the effective date of the final rule to June 30, 2025. The Board also proposes a set of technical revisions to Regulation II.","document_number":"2023-24034","html_url":"https://www.federalregister.gov/documents/2023/11/14/2023-24034/debit-card-interchange-fees-and-routing","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-14/pdf/2023-24034.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-24034.pdf?1699883117","publication_date":"2023-11-14","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"1693 \n et seq. \n ) to add a new section 920 regarding interchange fees for debit <span class=\"match\">card</span> transactions and rules for debit <span class=\"match\">card</span> and <span class=\"match\">credit</span> <span class=\"match\">card</span> transactions.\n 7 \n \n \n \n \n 6 \n  \n See \n Public Law 111-203, 124 Stat. 1376 (2010).\n \n \n \n \n 7 \n  EFTA section 920 is codified at 15 U.S.C. 1693\n o \n -2. EFTA section 920(c)(2) defines “debit <span class=\"match\">card</span>” to mean any <span class=\"match\">card</span> (including a general-use prepaid <span class=\"match\">card</span>), or other payment code or device, issued or approved for use through a payment <span class=\"match\">card</span> network to debit an asset account, regardless of the purpose for which the account"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"third-party lenders. Specifically, the commenters stated third-party lenders like <span class=\"match\">credit</span> <span class=\"match\">card</span> issuers or <span class=\"match\">home</span> equity lenders would need to be able to identify medical charges or expenses and recalculate fields such as the consumer's current balance, <span class=\"match\">credit</span> limit, amount past due, and actual payment amount. One commenter also stated that, unlike <span class=\"match\">credit</span> <span class=\"match\">card</span> issuers who may be able to identify which merchant a consumer has shopped with, banks that offer unsecured <span class=\"match\">credit</span> generally do not know how a consumer spends loan proceeds and if any of the loan"},{"title":"HIPAA Security Rule To Strengthen the Cybersecurity of Electronic Protected Health Information","type":"Proposed Rule","abstract":"The Department of Health and Human Services (HHS or \"Department\") is issuing this notice of proposed rulemaking (NPRM) to solicit comment on its proposal to modify the Security Standards for the Protection of Electronic Protected Health Information (\"Security Rule\") under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act). The proposed modifications would revise existing standards to better protect the confidentiality, integrity, and availability of electronic protected health information (ePHI). The proposals in this NPRM would increase the cybersecurity for ePHI by revising the Security Rule to address: changes in the environment in which health care is provided; significant increases in breaches and cyberattacks; common deficiencies the Office for Civil Rights has observed in investigations into Security Rule compliance by covered entities and their business associates (collectively, \"regulated entities\"); other cybersecurity guidelines, best practices, methodologies, procedures, and processes; and court decisions that affect enforcement of the Security Rule.","document_number":"2024-30983","html_url":"https://www.federalregister.gov/documents/2025/01/06/2024-30983/hipaa-security-rule-to-strengthen-the-cybersecurity-of-electronic-protected-health-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-06/pdf/2024-30983.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30983.pdf?1735334119","publication_date":"2025-01-06","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":"Office of the Secretary"}],"excerpts":"Memorandum on National <span class=\"match\">Security</span> Memorandum on Critical Infrastructure <span class=\"match\">Security</span> and Resilience, National <span class=\"match\">Security</span> Memorandum/NSM-22, The White House (Apr. 30, 2024), \n https://www.whitehouse.gov/briefing-room/presidential-actions/2024/04/30/national-<span class=\"match\">security</span>-memorandum-on-critical-infrastructure-<span class=\"match\">security</span>-and-resilience/ \n (“Critical infrastructure comprises the physical and virtual assets and systems so vital to the Nation that their incapacity or destruction would have a debilitating impact on national <span class=\"match\">security</span>, national economic <span class=\"match\">security</span>, or national public"},{"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":"Comptroller of the Currency (OCC), the National <span class=\"match\">Credit</span> Union Association (NCUA), and the Federal Housing Finance Agency (FHFA). \n See \n TILA section 129H(b)(4)(A), 15 U.S.C. 1639h(b)(4)(A).\n \n \n \n Regarding concerns that TILA coverage would delay PACE originations, other products that meet the statutory definition of <span class=\"match\">credit</span>, including <span class=\"match\">home</span> equity lines of <span class=\"match\">credit</span>, personal loans, <span class=\"match\">credit</span> cards, or second mortgages, may also be used for <span class=\"match\">home</span> improvement projects and emergency repairs. As discussed below, work on a <span class=\"match\">home</span> improvement project frequently does not"},{"title":"Refunds and Other Consumer Protections","type":"Rule","abstract":"The U.S. Department of Transportation (Department or DOT) is requiring automatic refunds to consumers when a U.S. air carrier or a foreign air carrier cancels or makes a significant change to a scheduled flight to, from, or within the United States and the consumer is not offered or rejects alternative transportation and travel credits, vouchers, or other compensation. These automatic refunds must be provided promptly, i.e., within 7 business days for credit card payments and within 20 calendar days for other forms of payment. To ensure consumers know when they are entitled to a refund, the Department is requiring carriers and ticket agents to inform consumers of their right to a refund if that is the case before making an offer for alternative transportation, travel credits, vouchers, or other compensation in lieu of refunds. Also, the Department is defining, for the first time, the terms \"significant change\" and \"cancellation\" to provide clarity and consistency to consumers with respect to their right to a refund. The Department is also requiring refunds to consumers for fees for ancillary services that passengers paid for but did not receive and for checked baggage fees if the bag is significantly delayed. For consumers who are unable to or advised not to travel as scheduled on flights to, from, or within the United States because of a serious communicable disease, the Department is requiring that carriers provide travel vouchers or credits that are transferrable and valid for at least 5 years from the date of issuance. Carriers may require consumers to provide documentary evidence demonstrating that they are unable to travel or have been advised not to travel to support their request for a travel voucher or credit, unless the Department of Health and Human Services (HHS) publishes guidance declaring that requiring such documentary evidence is not in the public interest.","document_number":"2024-07177","html_url":"https://www.federalregister.gov/documents/2024/04/26/2024-07177/refunds-and-other-consumer-protections","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-26/pdf/2024-07177.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07177.pdf?1714049126","publication_date":"2024-04-26","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"Office of the Secretary"}],"excerpts":"due for <span class=\"match\">credit</span> <span class=\"match\">card</span> purchases, and within 20 calendar days of refunds becoming due for purchases by cash, check, or other forms of payment. To the extent the purchase is made by a debit <span class=\"match\">card</span>, the Department has reviewed the relevant definitions in CFPB's regulations, including Regulation Z, and has determined that a typical debit <span class=\"match\">card</span> does not fall under the 7-day refund timeline that only applies to “<span class=\"match\">credit</span> <span class=\"match\">card</span>” and therefore would be subject to the 20-day timeline.\n 47 \n \n \n \n \n 47 \n  The CFPB regulation defines a “<span class=\"match\">credit</span> <span class=\"match\">card</span>” as any <span class=\"match\">card</span>, plate"},{"title":"Transparency in Coverage","type":"Proposed Rule","abstract":"These proposed rules set forth proposed requirements that would amend the regulations under the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code regarding price transparency reporting requirements for non-grandfathered group health plans and health insurance issuers offering non-grandfathered group and individual health insurance coverage. Specifically, these proposed rules would improve the standardization, accuracy, and accessibility of public pricing disclosures in line with the goals of the Executive Order 14221. With respect to the in-network rate and out-of-network allowed amount machine-readable files, these proposed rules would achieve these goals by adding new contextual files and additional data elements like product type, network name, and enrollment counts; changing the reporting level for aggregation of data; removing in-network rates for unlikely provider-to-service mappings; increasing the reporting period and lowering the claims threshold for out-of-network historical data; and reducing the reporting cadence. These proposed rules would also improve the findability of all of the publicly disclosed machine- readable files required under the Transparency in Coverage rules, including the prescription drug file, by requiring a text file and footer with website URLs and contact information for the files. These proposed rules would also require pricing information that is made available through an online consumer tool and paper (upon request), to also be made available by phone, and establish that the satisfaction of such requirement also satisfies the requirements of section 114 of the No Surprises Act (including for grandfathered group health plans and health insurance issuers offering grandfathered group and individual health insurance coverage that are not otherwise subject to these proposed rules).","document_number":"2025-23693","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23693/transparency-in-coverage","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23693.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23693.pdf?1766178909","publication_date":"2025-12-23","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Internal Revenue Service","name":"Internal Revenue Service","id":254,"url":"https://www.federalregister.gov/agencies/internal-revenue-service","json_url":"https://www.federalregister.gov/api/v1/agencies/254","parent_id":497,"slug":"internal-revenue-service"},{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"},{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"}],"excerpts":"estimates and other disclosures available over the <span class=\"match\">phone</span> at a number designated on the ID <span class=\"match\">card</span> for individuals to seek assistance. Code section 9816(e), ERISA section 716(e), and PHS Act section 2799A-1(e) (insurance ID <span class=\"match\">card</span> requirements), as added by section 107 of the No Surprises Act, separately require plans and issuers to include in clear writing, on any physical or electronic plan or insurance identification <span class=\"match\">card</span> issued to participants, beneficiaries, or enrollees, certain information including a <span class=\"match\">phone</span> number and website address for individuals to"},{"title":"Privacy Act of 1974; Notice of a Modified System of Records","type":"Notice","abstract":"Pursuant to the provisions of the Privacy Act of 1974, notice is given that the General Services Administration (GSA) proposes to modify an existing system of records, entitled GSA/PPFM-11, Pegasys. This system of records is directed to the records within GSA's financial management system. Pegasys is GSA's financial management system of record for financial transactions and reporting utilized for its main business lines including the Federal Acquisition Service (FAS), Public Buildings Service (PBS), and General Management and Administrative Offices.","document_number":"2026-00358","html_url":"https://www.federalregister.gov/documents/2026/01/12/2026-00358/privacy-act-of-1974-notice-of-a-modified-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-12/pdf/2026-00358.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-00358.pdf?1767966315","publication_date":"2026-01-12","agencies":[{"raw_name":"GENERAL SERVICES ADMINISTRATION","name":"General Services Administration","id":210,"url":"https://www.federalregister.gov/agencies/general-services-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/210","parent_id":null,"slug":"general-services-administration"}],"excerpts":"more of the following information types: Name, Business Contact information (business email address, business <span class=\"match\">phone</span> number, etc.), Social <span class=\"match\">Security</span> Number (SSN), <span class=\"match\">home</span> address, banking information, and limited information related to GSA-issued <span class=\"match\">credit</span> cards. \n RECORD SOURCE CATEGORIES: \n The sources for information in this system are the individuals about whom the records are maintained as well as information assigned by GSA (such as <span class=\"match\">credit</span> <span class=\"match\">card</span> issuance information). \n ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND"},{"title":"Flight Training Security Program","type":"Rule","abstract":"The Transportation Security Administration (TSA) is finalizing the 2004 interim final rule (IFR) that established the Flight Training Security Program (FTSP) (formerly known as the Alien Flight Student Program). The FTSP implements a statutory requirement under the Aviation and Transportation Security Act, as amended by the Vision 100- Century of Aviation Reauthorization Act, to prevent flight schools from providing flight training to any individuals who are not U.S. citizens or nationals, and who have not been vetted by the Federal Government to determine whether the flight training candidate is a security threat. The rule also requires security awareness training for certain flight training provider employees. In finalizing this rule, TSA addresses the comments on the IFR, recommendations from the Aviation Security Advisory Committee, and additional comments received during a reopened comment period. TSA also is eliminating years of programmatic guidance and clarifications by codifying current and relevant information into the regulatory text. Where possible, TSA is modifying the program to make it more effective and less burdensome. Finally, TSA is making other technical modifications to its regulations to consolidate in one location the agency's inspection authority.","document_number":"2024-08800","html_url":"https://www.federalregister.gov/documents/2024/05/01/2024-08800/flight-training-security-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-01/pdf/2024-08800.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08800.pdf?1714481121","publication_date":"2024-05-01","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":"Transportation Security Administration","name":"Transportation Security Administration","id":494,"url":"https://www.federalregister.gov/agencies/transportation-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/494","parent_id":227,"slug":"transportation-security-administration"}],"excerpts":"local law enforcement agencies, as appropriate, TSA encourages the provider's <span class=\"match\">Security</span> Coordinator to notify TSA. \n Threats to aviation <span class=\"match\">security</span> continuously evolve, and incidents may occur. For this reason, the flight training provider's <span class=\"match\">Security</span> Coordinator should actively review TSA updates and <span class=\"match\">security</span> advisories and ensure the provider incorporates relevant new information into their <span class=\"match\">security</span> awareness training. \n Flight training providers must designate a <span class=\"match\">Security</span> Coordinator no later than 6 months after the publication date of this final rule"},{"title":"Fair Lending Report of the Consumer Financial Protection Bureau","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its eleventh Fair Lending Report of the Consumer Financial Protection Bureau (Fair Lending Report) to Congress. The CFPB is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals and communities. This report describes our fair lending activities in supervision and enforcement; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2023.","document_number":"2024-14533","html_url":"https://www.federalregister.gov/documents/2024/07/02/2024-14533/fair-lending-report-of-the-consumer-financial-protection-bureau","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-02/pdf/2024-14533.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14533.pdf?1719837925","publication_date":"2024-07-02","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":"discrimination or bias as well as HMDA data integrity and validation reviews. \n The CFPB's <span class=\"match\">credit</span> <span class=\"match\">card</span> work included assessing <span class=\"match\">credit</span> <span class=\"match\">card</span> lenders' digital marketing practices relating to <span class=\"match\">credit</span> cards, as well as <span class=\"match\">credit</span> <span class=\"match\">card</span> lenders' use of alternative data in that marketing. The CFPB's <span class=\"match\">credit</span> <span class=\"match\">card</span> work also included evaluation of automated systems and models, sometimes marketed as artificial intelligence and machine learning models, used by <span class=\"match\">credit</span> <span class=\"match\">card</span> lenders in <span class=\"match\">credit</span> <span class=\"match\">card</span> originations, as well as assessing whether there were disparities in application"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"Pursuant to the Privacy Act of 1974 and Office of Management and Budget (OMB) Circular A-108, the U.S. Nuclear Regulatory Commission (NRC) is proposing revisions to three systems of records: NRC 5, Grants Management System; NRC 32, Office of the Chief Financial Officer Financial Transactions and Debt Collection Management Records; and NRC 41, Tort Claims and Personal Property Claims Records. The revisions add a routine use permitting disclosure to the U.S. Department of the Treasury for purposes of reviewing payment and award eligibility through the Do Not Pay Working System to identify, prevent, or recover improper payments, consistent with OMB Memorandum M-25-32 and Executive Order 14249. These system notices are subject to a 30-day public comment period.","document_number":"2026-03592","html_url":"https://www.federalregister.gov/documents/2026/02/24/2026-03592/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-24/pdf/2026-03592.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03592.pdf?1771854308","publication_date":"2026-02-24","agencies":[{"raw_name":"NUCLEAR REGULATORY COMMISSION","name":"Nuclear Regulatory Commission","id":383,"url":"https://www.federalregister.gov/agencies/nuclear-regulatory-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/383","parent_id":null,"slug":"nuclear-regulatory-commission"}],"excerpts":"contractors; \n c. To the U.S. Department of Justice, United States Attorney Treasury ARC, or other Federal agencies for further collection action on any delinquent account when circumstances warrant; \n d. To <span class=\"match\">credit</span> reporting agencies/<span class=\"match\">credit</span> bureaus for the purpose of either adding to a <span class=\"match\">credit</span> history file or obtaining a <span class=\"match\">credit</span> history file or comparable <span class=\"match\">credit</span> information for use in the administration of debt collection. As authorized by the DCIA, NRC may report current (not delinquent) as well as delinquent consumer and commercial debt to these entities"}]}