{"description":"Documents matching 'security needs consumer enterprise products'","count":2941,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+needs+consumer+enterprise+products&format=json&page=2","results":[{"title":"Enterprise Duty To Serve Underserved Markets","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA or Agency) proposes to rescind its regulation on Duty to Serve Underserved Markets and replace it with a new rule. If adopted as proposed, the new rule would enable the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, the Enterprises) to better serve the needs of very low-, low-, and moderate-income families in the manufactured housing, affordable housing preservation, and rural housing markets through greater innovation and with less administrative burden.","document_number":"2026-12750","html_url":"https://www.federalregister.gov/documents/2026/06/24/2026-12750/enterprise-duty-to-serve-underserved-markets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-24/pdf/2026-12750.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12750.pdf?1782218725","publication_date":"2026-06-24","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"1283.4(b) of the proposed rule would require each Enterprise to incorporate seven elements in its Duty to Serve Plan: (i) a needs and opportunities assessment; (ii) the actions an Enterprise will undertake to address the identified needs; (iii) measurable targets for each action; (iv) a description of how the Enterprise will fulfill the statutory program requirements reflected in proposed § 1283.3(b); (v) a description of public engagement activities; (vi) a list of Enterprise mortgage products that support housing for very low-, low- and moderate-income"},{"title":"2026-2028 Enterprise Housing Goals","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2026 through 2028 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The proposed rule establishes benchmark levels for the housing goals for 2026 through 2028. The proposed rule replaces the two area- based subgoals with one low-income areas subgoal, simplifies the goal determination process, clarifies inflation adjustments to maximum civil money penalties related to housing goals, and makes other technical changes.","document_number":"2025-19428","html_url":"https://www.federalregister.gov/documents/2025/10/02/2025-19428/2026-2028-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-02/pdf/2025-19428.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19428.pdf?1759322734","publication_date":"2025-10-02","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"https://www.fhfa.gov/news/news-release/fhfa-announces-updates-to-the-enterprises-single-family-pricing-framework. \n \n \n \n The Enterprises also provide incentives for loans that qualify for goals that are delivered through the cash window.\n 45 \n \n The cash window allows sellers to deliver loans directly to an Enterprise in return for a cash payment. The Enterprises bundle these loans into mortgage-backed securities (MBS) and sell the MBS into the secondary market. The Enterprises can provide subsidies, in the form of pay-ups or other pricing benefits"},{"title":"2025-2027 Enterprise Housing Goals","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a final rule on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2025 through 2027 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The final rule establishes the benchmark levels for the single-family and multifamily housing goals and subgoals for 2025 through 2027. The final rule also includes technical changes and factors FHFA will consider when determining whether an Enterprise would be required to submit a housing plan to FHFA should the Enterprise fail to meet three of the single-family housing goals.","document_number":"2024-30793","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-30793/2025-2027-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-30793.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30793.pdf?1735307121","publication_date":"2024-12-30","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"year and FHFA's final review of the Enterprises' housing goals performance, including copies of the final determination letters FHFA sends each Enterprise. The Report also indicates whether FHFA has required an Enterprise to submit a housing plan if the Enterprise fails to meet one or more of the goals and such goals were feasible. Because an Enterprise's housing plan may contain proprietary information, FHFA does not believe it is appropriate to request public input on the strategies and initiatives the Enterprise intends to pursue to correct and"},{"title":"Energy Conservation Program: Procedures, Interpretations, and Policies for Consideration of New or Revised Energy Conservation Standards and Test Procedures for Consumer Products and Certain Commercial/Industrial Equipment","type":"Proposed Rule","abstract":"The U.S. Department of Energy (\"DOE\" or \"the Department\") proposes to update the Department's current rulemaking methodology titled, \"Procedures, Interpretations, and Policies for Consideration of New or Revised Energy Conservation Standards and Test Procedures for Consumer Products and Certain Commercial/Industrial Equipment\" (\"Process Rule\"). Specifically, DOE proposes to: make Appendix A binding on DOE for certain actions; amend objectives and considerations consistent with recent Executive orders and Department policies; add a definition of \"significant energy savings\"; re-instate the comparative analysis requirement, described as a \"walk up\" approach; include certain economic thresholds; re-instate the description of clear and convincing evidence; and revert to language from the 2020 Process Rule text, with minor edits, in several sections. In addition to requesting written comments on its proposal, DOE will also hold a public meeting to discuss this proposal and obtain additional input.","document_number":"2026-13674","html_url":"https://www.federalregister.gov/documents/2026/07/07/2026-13674/energy-conservation-program-procedures-interpretations-and-policies-for-consideration-of-new-or","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-07/pdf/2026-13674.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13674.pdf?1783341912","publication_date":"2026-07-07","agencies":[{"raw_name":"DEPARTMENT OF ENERGY","name":"Energy Department","id":136,"url":"https://www.federalregister.gov/agencies/energy-department","json_url":"https://www.federalregister.gov/api/v1/agencies/136","parent_id":null,"slug":"energy-department"}],"excerpts":"standards. Consumer welfare in economic terms refers to the general satisfaction and well-being consumers derive from their purchases and use of products. In other words, DOE's statutory considerations regarding impacts to consumers and manufacturers, increases in prices, maintenance costs, changes in utility and performance all translate to consumer welfare impacts and related changes in consumer behavior. Under EPCA, DOE further considers losses to society when producers are willing to offer a product at a particular price and consumers are willing"},{"title":"Legal Standard Applicable to Supervisory Designation Proceedings","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is proposing to adopt a standard definition of \"risks to consumers with regard to the offering or provision of consumer financial products or services\" that will bind the Bureau in proceedings to designate nonbank covered persons for Bureau supervision. This will ensure that the Bureau acts within the bounds of its statutory authority and provide clarity to institutions about the standard the Bureau applies.","document_number":"2025-16352","html_url":"https://www.federalregister.gov/documents/2025/08/26/2025-16352/legal-standard-applicable-to-supervisory-designation-proceedings","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-26/pdf/2025-16352.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16352.pdf?1756125947","publication_date":"2025-08-26","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":" § 1091.501 \n \n For purposes of 12 U.S.C. 5514(a)(1)(C), conduct that poses risks to consumers with regard to the offering or provision of consumer financial products or services consists of conduct that: \n (a) Presents a high likelihood of significant harm to consumers; and \n \n (b) Is directly connected to the offering or provision of a consumer \n \n financial product or service as defined in 12 U.S.C. 5481.\n \n \n \n \n Russell Vought, \n Acting Director, Consumer Financial Protection Bureau. \n \n \n [FR Doc. 2025-16352 Filed 8-25-25; 8:45 am] \n BILLING"},{"title":"Improving Customer Service and Protecting Consumers Through Onshoring","type":"Proposed Rule","abstract":"In this document, the Federal Communications Commission (Commission) proposes actions that would encourage and facilitate the onshoring of foreign call centers. Specifically, the Commission proposes rules and otherwise explore ways to improve customer service communications and better protect consumers' sensitive personal information by limiting use of foreign call centers and by improving standards applicable to a company's remaining foreign call center operations. It also seeks comment on extending these protections to modes of customer service communications other than calls, such as emails, texts, and on-line chats, and on ideas to deter scam and other unlawful calls made to the United States from foreign countries. Finally, it explore steps we can take to financially deter unlawful foreign-originated calls, such as bond requirements. The Commission proposes to apply these requirements to providers of telecommunications services, CMRS, interconnected VoIP service, cable television service, and DBS services, or affiliates of such providers. It also proposes to apply these requirements to the use of foreign call centers for consumer communications relating to internet access service offered by any of the foregoing providers or their affiliates and seeks comment on whether it should extend some or all of the proposed rules to providers of other types of services.","document_number":"2026-07960","html_url":"https://www.federalregister.gov/documents/2026/04/23/2026-07960/improving-customer-service-and-protecting-consumers-through-onshoring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-23/pdf/2026-07960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07960.pdf?1776861922","publication_date":"2026-04-23","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"we traditionally have focused our consumer protection efforts. Inbound calls easily can become outbound calls, such as when a consumer's call is answered initially by an Interactive Voice Response (IVR) system that allows the consumer to choose to have the IVR system hold the consumer's place in line and call the consumer back. And problems, such as communication barriers and protection of sensitive consumer information, exist regardless of whether a consumer calls the provider or the provider calls a consumer. \n \n Establishing English Proficiency"},{"title":"2025-2027 Enterprise Housing Goals","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2025 through 2027 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The housing goals and subgoals include separate categories for single-family and multifamily mortgages on housing affordable to low- income and very low-income families, among others. The proposed rule also includes criteria for when housing plans would be required for 2025-2027, and it makes several technical changes to enhance clarity and conform the regulation to existing practice.","document_number":"2024-19261","html_url":"https://www.federalregister.gov/documents/2024/08/29/2024-19261/2025-2027-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-29/pdf/2024-19261.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19261.pdf?1724849117","publication_date":"2024-08-29","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"Soundness Act also requires reporting on smaller properties, and the Enterprise housing goals regulation includes a small multifamily low-income subgoal for properties with 5-50 units. The multifamily housing goals include all Enterprise multifamily mortgage purchases, regardless of the purpose of the loan. The multifamily housing goals evaluate the performance of the Enterprises based on the share of affordable units in properties backed by mortgages purchased by an Enterprise. The Enterprise housing goals regulation does not include a retrospective market"},{"title":"Provisions Pertaining to U.S. Investments in Certain National Security Technologies and Products in Countries of Concern","type":"Rule","abstract":"This final rule sets forth the regulations that implement Executive Order 14105 of August 9, 2023, \"Addressing United States Investments in Certain National Security Technologies and Products in Countries of Concern,\" which declares a national emergency to address the threat to the United States posed by countries of concern that seek to develop and exploit sensitive technologies or products critical for military, intelligence, surveillance, or cyber-enabled capabilities. The final rule requires United States persons to provide notification to the U.S. Department of the Treasury regarding certain transactions involving persons of a country of concern that are engaged in activities involving certain national security technologies and products that may contribute to the threat to the national security of the United States; and prohibits United States persons from engaging in certain other transactions involving persons of a country of concern that are engaged in activities involving certain other national security technologies and products that pose a particularly acute national security threat to the United States.","document_number":"2024-25422","html_url":"https://www.federalregister.gov/documents/2024/11/15/2024-25422/provisions-pertaining-to-us-investments-in-certain-national-security-technologies-and-products-in","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-15/pdf/2024-25422.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25422.pdf?1730996188","publication_date":"2024-11-15","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 Investment Security","name":"Investment Security Office","id":603,"url":"https://www.federalregister.gov/agencies/investment-security-office","json_url":"https://www.federalregister.gov/api/v1/agencies/603","parent_id":497,"slug":"investment-security-office"}],"excerpts":"Traded Security; Derivative; Equity Compensation \n \n Section 850.501(a)(1)(i) of the Proposed Rule defined as an \n excepted transaction \n an investment into a “publicly traded security,” with “security” as defined in section 3(a)(10) of the Securities Exchange Act of 1934, as amended. As noted in the Proposed Rule, this included a security traded on a non-U.S. exchange, or a security traded “over-the-counter,” in addition to a security traded on a U.S. exchange. The Treasury Department assessed that a \n U.S. person' \n s purchase of securities traded"},{"title":"Energy Conservation Program: Energy Conservation Standards for Dishwashers, Residential Clothes Washers, and Consumer Clothes Dryers","type":"Rule","abstract":"In light of the United States Court of Appeals for the Fifth Circuit granting a petition for review of a final rule published by the U.S. Department of Energy (\"DOE\") on January 19, 2022, and remanding the matter to DOE for further proceedings, DOE has considered the factors outlined by the Fifth Circuit on whether \"short-cycle\" product classes for dishwashers, residential clothes washers, and consumer clothes dryers are warranted under the Energy Policy and Conservation Act and confirms the withdrawal of \"short-cycle\" product classes in the January 19, 2022, final rule.","document_number":"2024-30797","html_url":"https://www.federalregister.gov/documents/2024/12/27/2024-30797/energy-conservation-program-energy-conservation-standards-for-dishwashers-residential-clothes","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-27/pdf/2024-30797.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30797.pdf?1735220720","publication_date":"2024-12-27","agencies":[{"raw_name":"DEPARTMENT OF ENERGY","name":"Energy Department","id":136,"url":"https://www.federalregister.gov/agencies/energy-department","json_url":"https://www.federalregister.gov/api/v1/agencies/136","parent_id":null,"slug":"energy-department"}],"excerpts":"“short-cycle” product classes for dishwashers. NEEA stated that its comments build upon past NEEA letters submitted to DOE, which demonstrated that short-cycle product classes were unnecessary for these products because (1) consumers already have access to short cycle settings on dishwashers; (2) consumers use short cycles relatively infrequently; (3) consumers are satisfied with high-efficiency appliances; and (4) consumers are satisfied with appliances that have fast cycle options. NEEA added that leveraged sales data from the Northwest, consumer use data"},{"title":"Staff Report on the Definitions of “Security-Based Swap Dealer” and “Major Security-Based Swap Participant”","type":"Notice","abstract":"The Securities and Exchange Commission directed staff to prepare and is now publishing a report examining the effect and application of the definitions of \"security-based swap dealer\" and \"major security-based swap participant.\" Those definitions include an exception from designation as a security-based swap dealer for an entity that engages in a de minimis quantity of security-based swap dealing, as well as separate thresholds below which an entity would not become a major security-based swap participant. As provided in the Commission's rules, nine months after publication of this report and after considering any public comments received, the Commission may by order either terminate the phase-in period for the de minimis thresholds, thereby allowing thresholds of $3 billion for credit default swaps that constitute security-based swaps and $150 million for non-credit default swaps that constitute security-based swaps to take effect and replace the current phase-in thresholds of $8 billion and $400 million, respectively, or propose different thresholds through rulemaking; however, the Commission has issued an order providing a temporary exemption that has the effect of continuing to apply the phase-in thresholds of $8 billion and $400 million until May 8, 2028. The public is invited to comment on all aspects of this report, which may inform the Commission's consideration of potential changes to the de minimis exception and the rules further defining the terms \"security-based swap dealer\" and \"major security-based swap participant.\"","document_number":"2026-08558","html_url":"https://www.federalregister.gov/documents/2026/05/04/2026-08558/staff-report-on-the-definitions-of-security-based-swap-dealer-and-major-security-based-swap","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-04/pdf/2026-08558.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08558.pdf?1777639507","publication_date":"2026-05-04","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":"for comment. \n \n \n SUMMARY: \n The Securities and Exchange Commission directed staff to prepare and is now publishing a report examining the effect and application of the definitions of “security-based swap dealer” and “major security-based swap participant.” Those definitions include an exception from designation as a security-based swap dealer for an entity that engages in a de minimis quantity of security-based swap dealing, as well as separate thresholds below which an entity would not become a major security-based swap participant. As provided"},{"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":"transaction information of an account for a consumer financial product or service described in 12 CFR 1033.111(b)(1) through (3), and accessed with the consumer's authorization. As discussed in more detail in part VI.A, \n Consumer-Authorized Transaction History, \n the CFPB has determined that including medical information included in the transaction history of a consumer's account in this exception is necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs, including permitting actions necessary for"},{"title":"United States v. Hewlett Packard Enterprise Co., et al.; Proposed Final Judgment and Competitive Impact Statement","type":"Notice","abstract":null,"document_number":"2025-12887","html_url":"https://www.federalregister.gov/documents/2025/07/10/2025-12887/united-states-v-hewlett-packard-enterprise-co-et-al-proposed-final-judgment-and-competitive-impact","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-10/pdf/2025-12887.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12887.pdf?1752065122","publication_date":"2025-07-10","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"},{"raw_name":"Antitrust Division","name":"Antitrust Division","id":23,"url":"https://www.federalregister.gov/agencies/antitrust-division","json_url":"https://www.federalregister.gov/api/v1/agencies/23","parent_id":268,"slug":"antitrust-division"}],"excerpts":"seller of the products in a proposed market—a hypothetical monopolist—likely would undertake at least a small but significant and non-transitory increase in price or worsening of terms (“SSNIPT”) for at least one product in the proposed market.\n 2 \n \n \n \n \n 2 \n United States Department of Justice and Federal Trade Commission, Merger Guidelines (2023 ed.) § 4.3.\n \n \n Product Market \n 34. Enterprise-grade WLAN solutions are a relevant product market and line of commerce within the meaning of Section 7 of the Clayton Act. Enterprise-grade WLAN solutions"},{"title":"Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) issues this rule to define larger participants of a market for general-use digital consumer payment applications. Larger participants of this market will be subject to the CFPB's supervisory authority under the Consumer Financial Protection Act (CFPA). A nonbank covered person qualifies as a larger participant if it facilitates an annual covered consumer payment transaction volume of at least 50 million transactions as defined in the rule, and it is not a small business concern.","document_number":"2024-27836","html_url":"https://www.federalregister.gov/documents/2024/12/10/2024-27836/defining-larger-participants-of-a-market-for-general-use-digital-consumer-payment-applications","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-27836.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27836.pdf?1733751918","publication_date":"2024-12-10","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"digital payment applications for consumers' general use in making payments to other persons for personal, family, or household purposes. Examples include consumer financial products and services that are commonly described as “digital wallets,” “payment apps,” “funds transfer apps,” “peer-to-peer payment apps,” “person-to-person payment apps,” “P2P apps,” and the like. Providers of consumer financial products and services delivered through these digital applications help consumers to make a wide variety of consumer payment transactions, including"},{"title":"Cybersecurity Labeling for Internet of Things","type":"Rule","abstract":"In this document, the Federal Communications Commission (Commission or FCC) establishes a voluntary cybersecurity labeling program for wireless consumer Internet of Things, or IoT, products. The program will provide consumers with an easy-to-understand and quickly recognizable FCC IoT Label that includes the U.S. Cyber Trust Mark and a QR code linked to a dynamic, decentralized, publicly available registry of more detailed cybersecurity information. This program will help consumers make safer purchasing decisions, raise consumer confidence regarding the cybersecurity of the IoT products they buy, and encourage manufacturers to develop IoT products with security-by- design principles in mind.","document_number":"2024-14148","html_url":"https://www.federalregister.gov/documents/2024/07/30/2024-14148/cybersecurity-labeling-for-internet-of-things","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-30/pdf/2024-14148.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-14148.pdf?1722257113","publication_date":"2024-07-30","agencies":[{"raw_name":"FEDERAL COMMUNICATIONS COMMISSION","name":"Federal Communications Commission","id":161,"url":"https://www.federalregister.gov/agencies/federal-communications-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/161","parent_id":null,"slug":"federal-communications-commission"}],"excerpts":"Public Safety and Homeland Security Bureau (PSHSB or the Bureau).\n \n A. Eligible Devices or Products \n 6. The Order initially establishes the IoT Labeling Program for wireless consumer IoT products. We do not, however, foreclose the possibility of expanding the IoT Labeling Program in the future. \n \n 7. The record supports adopting an IoT Labeling Program that encompasses consumer-focused IoT products. We focus our IoT Labeling Program initially on consumer IoT products, rather than enterprise or industrial IoT products. Because medical devices regulated"},{"title":"Energy Conservation Program: Energy Conservation Standards for Consumer Conventional Cooking Products","type":"Rule","abstract":"The Energy Policy and Conservation Act, as amended (\"EPCA\"), prescribes energy conservation standards for various consumer products and certain commercial and industrial equipment, including consumer conventional cooking products. In this direct final rule, the U.S. Department of Energy (\"DOE\") is adopting new and amended energy conservation standards for consumer conventional cooking products. DOE has determined that the new and amended energy conservation standards for these products would result in significant conservation of energy, and are technologically feasible and economically justified.","document_number":"2024-02008","html_url":"https://www.federalregister.gov/documents/2024/02/14/2024-02008/energy-conservation-program-energy-conservation-standards-for-consumer-conventional-cooking-products","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-14/pdf/2024-02008.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-02008.pdf?1707831913","publication_date":"2024-02-14","agencies":[{"raw_name":"DEPARTMENT OF ENERGY","name":"Energy Department","id":136,"url":"https://www.federalregister.gov/agencies/energy-department","json_url":"https://www.federalregister.gov/api/v1/agencies/136","parent_id":null,"slug":"energy-department"}],"excerpts":" \n A. Benefits and Costs to Consumers \n \n Table I.3 summarizes DOE's evaluation of the economic impacts of the adopted standards on consumers of consumer conventional cooking products, as measured by the average life-cycle cost (“LCC”) savings and the simple payback period (“PBP”).\n 6 \n The average LCC savings are positive for all product classes, and the PBP is less than the average lifetime of consumer conventional cooking products, which is estimated to be 14.5 and 16.8 years for gas and electric cooking products, respectively (\n see \n section"},{"title":"Funding Opportunities: Small Dollar Loan Program: FY 2026 Funding Round","type":"Notice","abstract":"The CDFI Fund expands access to capital and related technical assistance across the United States through investment in and assistance to Community Development Financial Institutions (CDFIs). The Small Dollar Loan Program (SDL Program) is administered by the Community Development Financial Institutions Fund (CDFI Fund). Through the SDL Program, the CDFI Fund provides (1) grants for Loan Loss Reserves (LLR) to enable a Certified Community Development Financial Institution (CDFI) to establish a loan loss reserve fund to cover the losses on small dollar consumer loans associated with starting a new small dollar consumer loan program or expanding an existing small dollar consumer loan program; and (2) grants for Technical Assistance (TA) for technology, staff support, and other eligible activities to enable a Certified CDFI to establish and maintain a small dollar consumer loan program. Through the SDL Program Awards, Recipients will serve rural and urban communities across the nation that lack access to affordable consumer lending products. All awards provided through this Notice of Funds Availability (NOFA) are subject to funding availability.","document_number":"2026-13200","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13200/funding-opportunities-small-dollar-loan-program-fy-2026-funding-round","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13200.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13200.pdf?1782737121","publication_date":"2026-06-30","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":"Community Development Financial Institutions Fund","name":"Community Development Financial Institutions Fund","id":78,"url":"https://www.federalregister.gov/agencies/community-development-financial-institutions-fund","json_url":"https://www.federalregister.gov/api/v1/agencies/78","parent_id":497,"slug":"community-development-financial-institutions-fund"}],"excerpts":"the losses on small dollar consumer loans associated with starting a new small dollar consumer loan program or expanding an existing small dollar consumer loan program; and (2) grants for Technical Assistance (TA) for technology, staff support, and other eligible activities to enable a Certified CDFI to establish and maintain a small dollar consumer loan program. Through the SDL Program Awards, Recipients will serve rural and urban communities across the nation that lack access to affordable consumer lending products. All awards provided through"},{"title":"Disadvantaged Business Enterprise and Airport Concession Disadvantaged Business Enterprise Program Implementation Modifications","type":"Rule","abstract":"The U.S. Department of Transportation (DOT or Department) is amending its Disadvantaged Business Enterprise (DBE) and Airport Concession Disadvantaged Business Enterprise (ACDBE) program regulations. The DBE and ACDBE programs are designed to allow small businesses owned and controlled by socially and economically disadvantaged individuals to compete fairly for DOT funded contracts let by State and local transportation agencies and in airport concession opportunities. The final rule improves program implementation in major areas, including by updating the personal net worth and program size thresholds for inflation; modernizing rules for counting of material suppliers; incorporating procedural flexibilities enacted during the coronavirus (COVID-19) pandemic; adding elements to foster greater usage of DBEs and ACDBEs with concurrent, proactive monitoring and oversight; updating certification provisions with less prescriptive rules that give certifiers flexibility when determining eligibility; revising the interstate certification process to provide for reciprocity among certifiers; and making technical corrections to commonly misinterpreted rules.","document_number":"2024-05583","html_url":"https://www.federalregister.gov/documents/2024/04/09/2024-05583/disadvantaged-business-enterprise-and-airport-concession-disadvantaged-business-enterprise-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-09/pdf/2024-05583.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-05583.pdf?1712580314","publication_date":"2024-04-09","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":"disadvantaged business enterprise, principal place of business, transit vehicle, transit vehicle dealer, transit vehicle manufacturer, and unsworn declaration. In addition, because “home state” is no longer being used as a term of art in the regulation, we are removing that definition from the current rule. \n Comments \n Disadvantaged Business Enterprise \n The majority of the comments addressed the proposed addition of “be engaged in transportation-related industries” to the definition of “disadvantaged business enterprise.” We proposed the addition"},{"title":"Tobacco Product Standard for Nicotine Yield of Cigarettes and Certain Other Combusted Tobacco Products","type":"Proposed Rule","abstract":"The Food and Drug Administration (FDA, the Agency, or we) is proposing a tobacco product standard that would regulate nicotine yield by establishing a maximum nicotine level in cigarettes and certain other combusted tobacco products. FDA is proposing this action to reduce the addictiveness of these products, thus giving people who are addicted and wish to quit the ability to do so more easily. The proposed product standard is anticipated to benefit the population as a whole. For example, it would help to prevent people who experiment with cigarettes and cigars from developing addiction and using combusted tobacco products regularly.","document_number":"2025-00397","html_url":"https://www.federalregister.gov/documents/2025/01/16/2025-00397/tobacco-product-standard-for-nicotine-yield-of-cigarettes-and-certain-other-combusted-tobacco","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-16/pdf/2025-00397.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00397.pdf?1736948724","publication_date":"2025-01-16","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":"Food and Drug Administration","name":"Food and Drug Administration","id":199,"url":"https://www.federalregister.gov/agencies/food-and-drug-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/199","parent_id":221,"slug":"food-and-drug-administration"}],"excerpts":"tobacco product” refers to those products subject to this proposed rule. FDA proposes to define a “finished tobacco product” to mean a tobacco product, including all components and parts, sealed in final packaging (\n e.g., \n filters or filter tubes sold to consumers separately or as part of kits) or in the final form in which it is intended to be sold to consumers. For a discussion of products FDA proposes to include within the scope of this product standard, see sections IX.C and X.A.1 of this document.\n \n \n \n Nonconforming tobacco product \n —The"},{"title":"EB-5 Reform and Integrity Act of 2022; Ensuring the Integrity of the EB-5 Program; Automatic Revocation of Petitions for Immigrant Classification","type":"Proposed Rule","abstract":"This proposed rule would implement the EB-5 Reform and Integrity Act of 2022 (RIA), which the President signed on March 15, 2022. The RIA substantially reforms and adds significant integrity provisions to the employment-based, fifth preference (EB-5) visa category for alien investors and the associated Regional Center Program. In general, under the EB-5 program, aliens are eligible to apply for lawful permanent resident status in the United States if they make the necessary investment in a new commercial enterprise in the United States and create 10 permanent full-time jobs for qualified U.S. workers.","document_number":"2026-13392","html_url":"https://www.federalregister.gov/documents/2026/07/02/2026-13392/eb-5-reform-and-integrity-act-of-2022-ensuring-the-integrity-of-the-eb-5-program-automatic","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-02/pdf/2026-13392.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13392.pdf?1782909918","publication_date":"2026-07-02","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":"debilitating effect on security, national economic security, national public health or safety, or any combination thereof.\n 79 \n \n As many of the projects that would qualify as an infrastructure project fall within these 16 critical sectors, DHS believes this preclusion is critical to the continued security of the United States because the divulgence of any critical information to a foreign investor may result in adverse consequences to the ongoing security of such infrastructure. A regional center, new commercial enterprise, or job-creating entity"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2026-07804","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","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":"certain groups of consumers more than others. As discussed in the proposal, the amendments to the definition of discouragement may result in consumers not applying for credit and facing greater barriers to accessing credit than they otherwise would have under the existing rule. Certain groups of consumers may be excluded from advertising campaigns or lenders may choose to engage less with certain groups of consumers. As a result, some consumers may not be aware of credit products from all available lenders. Moreover, some consumers may lose convenient"}]}