{"description":"Documents matching 'security only hurting reasoning judgement want compliance'","count":49,"total_pages":3,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+only+hurting+reasoning+judgement+want+compliance&format=json&page=2","results":[{"title":"Alien Registration Form and Evidence of Registration","type":"Rule","abstract":"On March 12, 2025, DHS issued an interim final rule (IFR) with request for comments amending DHS regulations to designate a new registration form for aliens to comply with statutory alien registration and fingerprinting provisions. Unregistered aliens may use this general registration form to satisfy their statutory obligations. This final rule responds to public comments, amends DHS regulations to adjust the lists of forms and processes that may serve as registration forms and evidence of alien registration, and seeks comments on other potential changes to the regulations relating to alien registration and fingerprinting.","document_number":"2026-13057","html_url":"https://www.federalregister.gov/documents/2026/06/29/2026-13057/alien-registration-form-and-evidence-of-registration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-29/pdf/2026-13057.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13057.pdf?1782418509","publication_date":"2026-06-29","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"DHS—Department of Homeland Security \n DOJ—U.S. Department of Justice \n DOL—U.S. Department of Labor \n EAD—Employment Authorization Document \n ELIS—Electronic Immigration System \n E.O.—Executive Order \n EOIR—Executive Office for Immigration Review \n EWI—Entered Without Inspection \n FAM—Foreign Affairs Manual \n FBI—Federal Bureau of Investigation \n FISMA—Federal Information Security Modernization Act \n FOIA—Freedom of Information Act \n FR—Federal Register \n HHS—U.S. Department of Health and Human Services \n HSA—Homeland Security Act \n ICE—U.S. Immigration"},{"title":"Improving Performance, Accountability and Responsiveness in the Civil Service","type":"Rule","abstract":"The Office of Personnel Management (OPM) is issuing a rule to increase career employee accountability. Agency supervisors report great difficulty removing employees for poor performance or misconduct. The final rule authorizes agencies to move policy-influencing positions into Schedule Policy/Career. These positions will remain career jobs filled on a nonpartisan basis. Yet they will be at-will positions excepted from adverse action procedures or appeals. This will allow agencies to quickly remove employees from critical positions who engage in misconduct, perform poorly, or obstruct the democratic process by intentionally subverting Presidential directives. The rule requires agencies to establish internal policies protecting employees from prohibited personnel practices.","document_number":"2026-02375","html_url":"https://www.federalregister.gov/documents/2026/02/06/2026-02375/improving-performance-accountability-and-responsiveness-in-the-civil-service","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-06/pdf/2026-02375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-02375.pdf?1770299117","publication_date":"2026-02-06","agencies":[{"raw_name":"OFFICE OF PERSONNEL MANAGEMENT","name":"Personnel Management Office","id":406,"url":"https://www.federalregister.gov/agencies/personnel-management-office","json_url":"https://www.federalregister.gov/api/v1/agencies/406","parent_id":null,"slug":"personnel-management-office"}],"excerpts":"was concerned \n only \n with merit-based hiring, \n i.e., \n examining potential candidates for Federal employment on the basis of objective examinations instead of patronage appointments. Attempts to characterize the Pendleton Act as encompassing notions of procedural rights introduced only in the late 20th century thus are historically inaccurate. Instead, the current system with multiple avenues of appeal for employees seeking to challenge adverse actions involving substandard or lackluster performance as well as overt misconduct only arose in the"},{"title":"Medicare Program; Alternative Payment Model Updates and the Increasing Organ Transplant Access (IOTA) Model","type":"Rule","abstract":"This final rule describes a new mandatory alternative payment model, the Increasing Organ Transplant Access Model (IOTA Model), that will test whether performance-based upside risk payments or downside risk payments paid to or owed by participating kidney transplant hospitals increase access to kidney transplants for patients with end- stage renal disease (ESRD) while preserving or enhancing the quality of care and reducing Medicare expenditures. This final rule also adopts standard provisions that will apply to the Radiation Oncology Model, the End-Stage Renal Disease (ESRD) Treatment Choices Model, and mandatory Innovation Center models, including the IOTA Model, whose first performance period begins on or after January 1, 2025. The finalized standard provisions relate to beneficiary protections; cooperation in model evaluation and monitoring; audits and records retention; rights in data and intellectual property; monitoring and compliance; remedial action; model termination by CMS; limitations on review; miscellaneous provisions on bankruptcy and other notifications; and the reconsideration review process.","document_number":"2024-27841","html_url":"https://www.federalregister.gov/documents/2024/12/04/2024-27841/medicare-program-alternative-payment-model-updates-and-the-increasing-organ-transplant-access-iota","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-04/pdf/2024-27841.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27841.pdf?1732655723","publication_date":"2024-12-04","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"notification requirement would create disparities, as it would only apply to Medicare patients and IOTA participants.\n \n \n Response: \n We thank the commenter for sharing their concern that the transparency into kidney transplant organ offers provision, as proposed, would create disparities because only Medicare patients and IOTA patients would be subject to the requirement. The Innovation Center's authority in this proposed rule only extends to Medicare beneficiaries, which is why we only proposed that it apply to IOTA waitlist patients who are Medicare"},{"title":"Improving Performance, Accountability and Responsiveness in the Civil Service","type":"Proposed Rule","abstract":"The Office of Personnel Management (OPM) is proposing a rule to increase career employee accountability. Agency supervisors report great difficulty removing employees for poor performance or misconduct. The proposed rule lets policy-influencing positions be moved into Schedule Policy/Career. These positions will remain career jobs filled on a nonpartisan basis. Yet they will be at-will positions excepted from adverse action procedures or appeals. This will allow agencies to quickly remove employees from critical positions who engage in misconduct, perform poorly, or undermine the democratic process by intentionally subverting Presidential directives.","document_number":"2025-06904","html_url":"https://www.federalregister.gov/documents/2025/04/23/2025-06904/improving-performance-accountability-and-responsiveness-in-the-civil-service","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-04-23/pdf/2025-06904.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-06904.pdf?1745007307","publication_date":"2025-04-23","agencies":[{"raw_name":"OFFICE OF PERSONNEL MANAGEMENT","name":"Personnel Management Office","id":406,"url":"https://www.federalregister.gov/agencies/personnel-management-office","json_url":"https://www.federalregister.gov/api/v1/agencies/406","parent_id":null,"slug":"personnel-management-office"}],"excerpts":"employee morale and can hurt recruitment and retention. \n It is true that adverse action procedures and appeals give Federal employees greater job security than exist in most other jobs. To the extent that workers value this job security, Schedule Policy/Career's removal of adverse action procedures would reduce the relative value of the total Federal compensation package. However, OPM no longer believes that this change will significantly impair federal recruitment or hiring. \n \n Even excluding the value of job security, the Federal Government"},{"title":"Operational Resilience Framework for Futures Commission Merchants, Swap Dealers, and Major Swap Participants","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (CFTC or Commission) is proposing to require that futures commission merchants, swap dealers, and major swap participants establish, document, implement, and maintain an Operational Resilience Framework reasonably designed to identify, monitor, manage, and assess risks relating to information and technology security, third-party relationships, and emergencies or other significant disruptions to normal business operations. The framework would include three components--an information and technology security program, a third-party relationship program, and a business continuity and disaster recovery plan--supported by broad requirements relating to governance, training, testing, and recordkeeping. The proposed rule would also require certain notifications to the Commission and customers or counterparties. The Commission is further proposing guidance relating to the management of risks stemming from third-party relationships.","document_number":"2023-28745","html_url":"https://www.federalregister.gov/documents/2024/01/24/2023-28745/operational-resilience-framework-for-futures-commission-merchants-swap-dealers-and-major-swap","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-24/pdf/2023-28745.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-28745.pdf?1706017512","publication_date":"2024-01-24","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"comparability. The Securities Exchange Act of 1934 and existing and proposed SEC regulations include requirements relating to risk management including cybersecurity, including requirements for SEC-regulated broker-dealers and security-based swap dealers. \n See, e.g. \n Cybersecurity Risk Management Rule for Broker-Dealers, Clearing Agencies, Major Security-Based Swap Participants, the Municipal Securities Rulemaking Board, National Securities Associations, National Securities Exchanges, Security-Based Swap Data Repositories, Security-Based Swap Dealers"},{"title":"Definition of “Engaged in the Business” as a Dealer in Firearms","type":"Rule","abstract":"The Department of Justice (\"Department\") is amending Bureau of Alcohol, Tobacco, Firearms, and Explosives (\"ATF\") regulations to implement the provisions of the Bipartisan Safer Communities Act that broaden the definition of when a person is considered \"engaged in the business\" (\"EIB\") as a dealer in firearms other than a gunsmith or pawnbroker. This final rule incorporates the BSCA's definitions of \"predominantly earn a profit\" (\"PEP\") and \"terrorism,\" and amends the regulatory definitions of \"principal objective of livelihood and profit\" and \"engaged in the business\" to ensure each conforms with the BSCA's statutory changes and can be relied upon by the public. The rule also clarifies what it means for a person to be \"engaged in the business\" of dealing in firearms and to have the intent to \"predominantly earn a profit\" from the sale or disposition of firearms. In addition, it clarifies the term \"dealer\" and defines the term \"responsible person.\" These clarifications and definitions assist persons in understanding when they are required to have a license to deal in firearms. Consistent with the Gun Control Act (\"GCA\") and existing regulations, the rule also defines the term \"personal collection\" to clarify when persons are not \"engaged in the business\" because they make only occasional sales to enhance a personal collection or for a hobby, or if the firearms they sell are all or part of a personal collection. This rule further addresses the procedures that former licensees, and responsible persons acting on behalf of such licensees, must follow when they liquidate business inventory upon revocation or other termination of their license. Finally, the rule clarifies that a licensee transferring a firearm to another licensee must do so by following the verification and recordkeeping procedures in the regulations, rather than by using a Firearms Transaction Record, ATF Form 4473.","document_number":"2024-07838","html_url":"https://www.federalregister.gov/documents/2024/04/19/2024-07838/definition-of-engaged-in-the-business-as-a-dealer-in-firearms","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-19/pdf/2024-07838.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07838.pdf?1713444333","publication_date":"2024-04-19","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":"Bureau of Alcohol, Tobacco, Firearms, and Explosives","name":"Alcohol, Tobacco, Firearms, and Explosives Bureau","id":19,"url":"https://www.federalregister.gov/agencies/alcohol-tobacco-firearms-and-explosives-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/19","parent_id":268,"slug":"alcohol-tobacco-firearms-and-explosives-bureau"}],"excerpts":"zellepay.com/faq/small-business-using-zelle \n (last visited Mar. 26, 2024).\n \n \n \n Some commenters also misunderstood the security service presumption, which applies only to “business security services . . . to protect business assets or transactions,” not to personal security services. The Department recognizes that some \n \n individuals have a central-station monitoring system, but the regulatory text is clear that it applies only to a central-station monitoring system registered to a business. In addition, what is being protected are business assets"},{"title":"Medicare Program; Alternative Payment Model Updates and the Increasing Organ Transplant Access (IOTA) Model","type":"Proposed Rule","abstract":"This proposed rule describes a new mandatory Medicare payment model, the Increasing Organ Transplant Access Model (IOTA Model), that would test whether performance-based incentive payments paid to or owed by participating kidney transplant hospitals increase access to kidney transplants for patients with end-stage renal disease (ESRD) while preserving or enhancing the quality of care and reducing Medicare expenditures. This proposed rule also includes standard provisions that would apply to Innovation Center models whose first performance period begins on or after January 1, 2025, and also would apply, in whole or part, to any Innovation Center model whose first performance period begins prior to January 1, 2025 should such model's governing documentation incorporate the provisions by reference in whole or in part. The proposed standard provisions relate to beneficiary protections; cooperation in model evaluation and monitoring; audits and records retention; rights in data and intellectual property; monitoring and compliance; remedial action; model termination by CMS; limitations on review; miscellaneous provisions on bankruptcy and other notifications; and the reconsideration review process.","document_number":"2024-09989","html_url":"https://www.federalregister.gov/documents/2024/05/17/2024-09989/medicare-program-alternative-payment-model-updates-and-the-increasing-organ-transplant-access-iota","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-17/pdf/2024-09989.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09989.pdf?1715199328","publication_date":"2024-05-17","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"following: (1) the acquisition by any “person” (as such term is used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934) of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Securities Exchange Act of 1934), directly or indirectly, of voting securities of the IOTA participant representing more than 50 percent of the IOTA participant's outstanding voting securities or rights to acquire such securities; (2) the acquisition of the IOTA participant by any individual or entity; (3) any merger, division, dissolution"},{"title":"Medicare Program; Contract Year 2027 and Certain Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, and Medicare Cost Plan Program","type":"Rule","abstract":"This final rule revises the Medicare Advantage (Part C), Medicare Prescription Drug Benefit (Part D), and Medicare cost plan regulations to implement changes related to Star Ratings, marketing and communications, drug coverage, enrollment processes, special needs plans, and other programmatic areas.","document_number":"2026-06600","html_url":"https://www.federalregister.gov/documents/2026/04/06/2026-06600/medicare-program-contract-year-2027-and-certain-contract-year-2026-policy-and-technical-changes-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-06/pdf/2026-06600.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06600.pdf?1775160908","publication_date":"2026-04-06","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"plan marketing violations and negative beneficiary enrollment experiences that commenters describe are rare, as CMS does not often receive reports or complaints in this area. Additionally, CMS routinely monitors compliance with MA marketing rules and may take compliance action if CMS determines that a plan or agent/broker is out of compliance with these rules.\n \n \n Comment: \n Several commenters believed the proposed changes could increase confusion and high-pressure interactions, especially for beneficiaries with complex medication needs, limited health"},{"title":"Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL","type":"Proposed Rule","abstract":"The Board is inviting public comment on the models used to conduct the Board's supervisory stress test, changes to those models to be implemented in the 2026 stress test, and proposed changes to enhance the transparency and public accountability of the Board's stress testing framework (the proposal). The proposal would amend the Policy Statement on the Scenario Design Framework for Stress Testing, including to implement guides for additional scenario variables, and the Stress Testing Policy Statement. The proposal would also codify an enhanced disclosure process under which the Board would annually publish comprehensive documentation on the stress test models, invite public comment on any material changes that the Board seeks to make to those models, and annually publish the stress test scenarios for comment. Lastly, the proposal would make changes to the FR Y-14A/Q/M to remove items that are no longer needed to conduct the supervisory stress test and to collect additional data to support the stress test models and improve risk capture.","document_number":"2025-20211","html_url":"https://www.federalregister.gov/documents/2025/11/18/2025-20211/enhanced-transparency-and-public-accountability-of-the-supervisory-stress-test-models-and-scenarios","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-18/pdf/2025-20211.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-20211.pdf?1763387141","publication_date":"2025-11-18","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":"yields. \n Losses on Securities \n \n A firm's balance sheet typically contains holdings of two types of securities related to investment activities: available-for-sale and held-to-\n \n maturity. Available-for-sale and held-to-maturity securities are generally held at fair value and amortized cost, respectively, on a firm's balance sheet. The Board estimates two types of losses on securities related to investment activities.\n 43 \n \n \n \n \n 43 \n This portfolio does not include securities held for trading. Losses on these securities are projected by the"},{"title":"Reimagining and Improving Student Education-Federal Student Loan Program Final Regulations","type":"Rule","abstract":"The Secretary amends the regulations for the Federal student loan programs authorized under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement the statutory changes to the title IV, HEA programs included in Public Law 119-21, the Working Families Tax Cuts Act signed into law by President Trump on July 4, 2025. The Department previously referred to the Working Families Tax Cuts Act as the \"One Big Beautiful Bill Act,\" including in the Notice of Proposed Rulemaking published on January 30, 2026. These changes include establishing new loan limits for graduate students, professional students, and parents, and phasing out the Graduate PLUS (Grad PLUS) Program. The Working Families Tax Cuts Act also simplifies the current broken and confusing myriad of Federal student loan repayment plans by phasing out the existing Income- Contingent Repayment (ICR) plans, creating a new Tiered Standard repayment plan option, and establishing a new income-driven repayment plan known as the Repayment Assistance Plan. The Working Families Tax Cuts Act also enables borrowers in default who have previously rehabilitated a defaulted loan a second chance to rehabilitate their loan(s) and resume repayment.","document_number":"2026-08556","html_url":"https://www.federalregister.gov/documents/2026/05/01/2026-08556/reimagining-and-improving-student-education-federal-student-loan-program-final-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-01/pdf/2026-08556.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08556.pdf?1777553126","publication_date":"2026-05-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"percentages of income for payments when borrowers have both undergraduate and graduate loans.\n \n \n Discussion: \n We believe the commenter is referring to the REPAYE/SAVE plan, where a borrower would only be required to pay 5 percent of their discretionary income on loans borrowed for undergraduate studies and borrowers with only graduate school related loans would only pay 10 percent of their discretionary income. In drafting these new regulations, the Department did not amend those REPAYE/SAVE regulations. We note that the Secretary calculates a monthly"},{"title":"Premerger Notification; Reporting and Waiting Period Requirements","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\"), with the concurrence of the Assistant Attorney General, Antitrust Division, Department of Justice (\"Assistant Attorney General\" or \"Antitrust Division\") (together the \"Agencies\"), is issuing this final rule and Statement of Basis and Purpose (\"SBP\") to amend the Premerger Notification Rules (the \"Rules\") that implement the Hart-Scott-Rodino Antitrust Improvement Act (\"the HSR Act\" or \"HSR\"), including the Premerger Notification and Report Form for Certain Mergers and Acquisitions (\"Form\") and Instructions to the Notification and Report Form for Certain Mergers and Acquisitions (\"Instructions\"). The final rule requires parties to transactions that are reportable under the HSR Act to provide documentary material and information that are necessary and appropriate for the Agencies to efficiently and effectively conduct an initial assessment to determine whether the transaction may violate the antitrust laws and whether to issue a Request for Additional Information (\"Second Request\") as provided by the HSR Act. In addition, the final rule implements certain requirements of the Merger Filing Fee Modernization Act of 2022 (\"Merger Modernization Act\") and ministerial changes to the Rules as well as the necessary amendments to the Instructions to effect the final changes.","document_number":"2024-25024","html_url":"https://www.federalregister.gov/documents/2024/11/12/2024-25024/premerger-notification-reporting-and-waiting-period-requirements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-12/pdf/2024-25024.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25024.pdf?1731073564","publication_date":"2024-11-12","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"near-monopoly power to stop employees from having unions. The only way the antitrust laws can be adequately enforced, is to insist that anyone proposing a merger provide full accurate information on what they are doing.\n 28 \n \n \n \n \n 28 \n Comment of Joan Friedman, Doc. No. FTC-2023-0040-0237.\n \n \n \n • I work as a cybersecurity engineer. Leaving aside the economic concerns of monopolies, I want to bring up the security concerns of allowing unchecked mergers. Haphazard, rushed mergers increase the security risk across companies, as the engineering teams must"},{"title":"Corporate Average Fuel Economy Standards for Passenger Cars and Light Trucks for Model Years 2027 and Beyond and Fuel Efficiency Standards for Heavy-Duty Pickup Trucks and Vans for Model Years 2030 and Beyond","type":"Rule","abstract":"NHTSA, on behalf of the Department of Transportation (DOT), is finalizing Corporate Average Fuel Economy (CAFE) standards for passenger cars and light trucks that increase at a rate of 2 percent per year for passenger cars in model years (MYs) 2027-31, 0 percent per year for light trucks in model years 2027-28, and 2 percent per year for light trucks in model years 2029-31. NHTSA is also finalizing fuel efficiency standards for heavy-duty pickup trucks and vans (HDPUVs) for model years 2030-32 that increase at a rate of 10 percent per year and model years 2033-35 that increase at a rate of 8 percent per year.","document_number":"2024-12864","html_url":"https://www.federalregister.gov/documents/2024/06/24/2024-12864/corporate-average-fuel-economy-standards-for-passenger-cars-and-light-trucks-for-model-years-2027","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-24/pdf/2024-12864.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12864.pdf?1718282720","publication_date":"2024-06-24","agencies":[{"raw_name":"DEPARTMENT OF TRANSPORTATION","name":"Transportation Department","id":492,"url":"https://www.federalregister.gov/agencies/transportation-department","json_url":"https://www.federalregister.gov/api/v1/agencies/492","parent_id":null,"slug":"transportation-department"},{"raw_name":"National Highway Traffic Safety Administration","name":"National Highway Traffic Safety Administration","id":345,"url":"https://www.federalregister.gov/agencies/national-highway-traffic-safety-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/345","parent_id":492,"slug":"national-highway-traffic-safety-administration"}],"excerpts":"a given percent per year for a given number of consecutive years.\n \n \n Manufacturer compliance simulation and the ensuing effects estimation, collectively referred to as compliance modeling, encompass numerous subsidiary elements. Compliance simulation begins with a detailed user-provided initial forecast of the vehicle models offered for sale during the simulation period.\n 129 \n \n The compliance simulation then attempts to bring each manufacturer into compliance with the standards defined by the regulatory scenario contained within an input file"},{"title":"Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights","type":"Rule","abstract":"The Department of Labor (Department) is adopting amendments to the Investment Duties regulation under Title I of the Employee Retirement Income Security Act of 1974, as amended (ERISA). The amendments clarify the application of ERISA's fiduciary duties of prudence and loyalty to selecting investments and investment courses of action, including selecting qualified default investment alternatives, exercising shareholder rights, such as proxy voting, and the use of written proxy voting policies and guidelines. The amendments reverse and modify certain amendments to the Investment Duties regulation adopted in 2020.","document_number":"2022-25783","html_url":"https://www.federalregister.gov/documents/2022/12/01/2022-25783/prudence-and-loyalty-in-selecting-plan-investments-and-exercising-shareholder-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-12-01/pdf/2022-25783.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-25783.pdf?1669815923","publication_date":"2022-12-01","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":"of the final rule for compliance dates for § 2550.404a-1(d)(2)(iii) and (d)(4)(ii) of the final rule.\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n Fred Wong, Acting Chief of the Division of Regulations, Office of Regulations and Interpretations, Employee Benefits Security Administration, (202) 693-8500. This is not a toll-free number. \n \n Customer Service Information: \n Individuals interested in obtaining information from the Department of Labor concerning ERISA and employee benefit plans may call the Employee Benefits Security Administration (EBSA)"},{"title":"Derivatives Clearing Organizations Recovery and Orderly Wind-Down Plans; Information for Resolution Planning","type":"Proposed Rule","abstract":"The Commodity Futures Trading Commission (Commission or CFTC) is proposing amendments to certain regulations applicable to systemically important derivatives clearing organizations (SIDCOs) and derivatives clearing organizations (DCOs) that elect to be subject to the provisions in the Commission's regulations (Subpart C DCOs). These proposed amendments would, among other things, address certain risk management obligations, modify definitions, and codify existing staff guidance. The Commission is also proposing to amend certain regulations to require DCOs that are not designated as systemically important, and which have not elected to be covered by our regulations, to submit orderly Wind-Down plans. In addition, the Commission is proposing to make conforming amendments to certain provisions, revise the Subpart C Election Form and Form DCO, and remove stale provisions.","document_number":"2023-14457","html_url":"https://www.federalregister.gov/documents/2023/07/28/2023-14457/derivatives-clearing-organizations-recovery-and-orderly-wind-down-plans-information-for-resolution","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-07-28/pdf/2023-14457.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-14457.pdf?1690461924","publication_date":"2023-07-28","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"variation margin of $10 billion in U.S. dollar cash, but only has $8 billion of resources available. Similarly, in this context, a liquidity shortfalls arise from the DCO holding resources that are not in the correct form to meet its obligations. For example, the DCO is obligated to pay, today, variation margin of $10 billion in U.S. dollar cash, but only has $8 billion of U.S. dollar cash available, even though it may additionally have more than $2 billion (worth, at present market value) of securities that it is unable to convert promptly into U.S. dollar"},{"title":"Community Reinvestment Act","type":"Rule","abstract":"The Office of the Comptroller of the Currency (OCC), Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) are adopting final amendments to their regulations implementing the Community Reinvestment Act of 1977 (CRA) to update how CRA activities qualify for consideration, where CRA activities are considered, and how CRA activities are evaluated.","document_number":"2023-25797","html_url":"https://www.federalregister.gov/documents/2024/02/01/2023-25797/community-reinvestment-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-02-01/pdf/2023-25797.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-25797.pdf?1706708716","publication_date":"2024-02-01","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"},{"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"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"qualifying mortgage-backed securities. One alternative approach would be to consider investments in mortgage-\n \n backed securities only in proportion to the percentage of loans in the security secured by affordable properties. For example, if 60 percent of a qualifying mortgage-backed security consists of single-family home mortgage loans to low- or moderate-income borrowers, and 40 percent of the security consists of loans to middle- or upper-income borrowers, the mortgage-backed security would receive consideration only for the dollar value of the"},{"title":"Deferred Action for Childhood Arrivals","type":"Rule","abstract":"On September 28, 2021, the Department of Homeland Security (DHS) published a notice of proposed rulemaking (NPRM or proposed rule) that proposed to establish regulations to preserve and fortify the Deferred Action for Childhood Arrivals (DACA) policy to defer removal of certain noncitizens who years earlier came to the United States as children, meet other criteria, and do not present other circumstances that would warrant removal. After a careful review of the public comments received, DHS is now issuing a final rule that implements the proposed rule, with some amendments.","document_number":"2022-18401","html_url":"https://www.federalregister.gov/documents/2022/08/30/2022-18401/deferred-action-for-childhood-arrivals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-08-30/pdf/2022-18401.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-18401.pdf?1661372117","publication_date":"2022-08-30","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":"a threat to national security or public safety is at the heart of DHS's mission, and Congress has directed the Secretary to prioritize national security, public safety, and border security. Consistent with this mission, the rule at new 8 CFR 236.22(a)(6) disqualifies from consideration for DACA individuals who have been convicted of any felony; three or more misdemeanors not occurring on the same date and not arising out of the same act, omission, or scheme of misconduct; or who otherwise pose a threat to national security or public safety. In addition"},{"title":"Institutional Eligibility Under the Higher Education Act of 1965, as Amended; Student Assistance General Provisions; Federal Perkins Loan Program; Federal Family Education Loan Program; and William D. Ford Federal Direct Loan Program","type":"Rule","abstract":"The Secretary establishes new regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program to establish a new Federal standard and a process for determining whether a borrower has a defense to repayment on a loan based on an act or omission of their school. We also are amending the Direct Loan Program regulations to prohibit participating schools from using certain contractual provisions regarding dispute resolution processes and to require certain notifications and disclosures by institutions (institutions or schools) regarding their use of mandatory arbitration. Additionally, we are amending the Direct Loan regulations to eliminate interest capitalization in instances where it is not required by statute. We are also amending the regulations governing closed school discharges and total and permanent disability (TPD) discharges in the Federal Perkins Loan (Perkins), Direct Loan, and Federal Family Education Loan (FFEL) programs. We are also amending the regulations governing false certification discharges in the Direct Loan and FFEL programs. Finally, we are amending the regulations governing Public Service Loan Forgiveness (PSLF) in the Direct Loan program to improve the application process, and to clarify and expand definitions for full- time employment, qualifying employers, and qualifying monthly payments. The changes would bring greater transparency and clarity and improve the administration of Federal student financial aid programs to assist and protect students, participating institutions, and taxpayers.","document_number":"2022-23447","html_url":"https://www.federalregister.gov/documents/2022/11/01/2022-23447/institutional-eligibility-under-the-higher-education-act-of-1965-as-amended-student-assistance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-11-01/pdf/2022-23447.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-23447.pdf?1667220318","publication_date":"2022-11-01","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"approved claims are reasons to make significant changes to the proposed rules. To the extent commenters refer to the risk of erroneous BD decisions causing harm to the institution, we will only grant a discharge when adequate evidentiary support exists—a finding that will occur only after considering evidence and arguments submitted by the institution. Additionally, we only assess liabilities against the institution if we initiate a recoupment action. That action will afford schools the same procedural rights and protections available in any other situation"},{"title":"Standards for Safeguarding Customer Information","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing a final rule (\"Final Rule\") to amend the Standards for Safeguarding Customer Information (\"Safeguards Rule\" or \"Rule\"). The Final Rule contains five main modifications to the existing Rule. First, it adds provisions designed to provide covered financial institutions with more guidance on how to develop and implement specific aspects of an overall information security program, such as access controls, authentication, and encryption. Second, it adds provisions designed to improve the accountability of financial institutions' information security programs, such as by requiring periodic reports to boards of directors or governing bodies. Third, it exempts financial institutions that collect less customer information from certain requirements. Fourth, it expands the definition of \"financial institution\" to include entities engaged in activities the Federal Reserve Board determines to be incidental to financial activities. This change adds \"finders\"--companies that bring together buyers and sellers of a product or service--within the scope of the Rule. Finally, the Final Rule defines several terms and provides related examples in the Rule itself rather than incorporates them from the Privacy of Consumer Financial Information Rule (\"Privacy Rule\").","document_number":"2021-25736","html_url":"https://www.federalregister.gov/documents/2021/12/09/2021-25736/standards-for-safeguarding-customer-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-12-09/pdf/2021-25736.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-25736.pdf?1638971120","publication_date":"2021-12-09","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"designating an “employee or employees to coordinate your information security program” by requiring the designation of a single qualified individual responsible for \n \n overseeing and implementing the security program. This individual was referred to in the Proposed Rule as a Chief Information Security Officer or “CISO.” As discussed in detail below, the Final Rule does not use this term, though the concept is the same: The person designated to coordinate the information security program need only be “qualified.” No particular level of education, experience"},{"title":"Medicare and Medicaid Programs; CY 2023 Payment Policies Under the Physician Fee Schedule and Other Changes to Part B Payment and Coverage Policies; Medicare Shared Savings Program Requirements; Implementing Requirements for Manufacturers of Certain Single-dose Container or Single-use Package Drugs To Provide Refunds With Respect to Discarded Amounts; and COVID-19 Interim Final Rules","type":"Rule","abstract":"This major final rule addresses: changes to the physician fee schedule (PFS); other changes to Medicare Part B payment policies to ensure that payment systems are updated to reflect changes in medical practice, relative value of services, and changes in the statute; Medicare Shared Savings Program requirements; updates to the Quality Payment Program; Medicare coverage of opioid use disorder services furnished by opioid treatment programs; updates to certain Medicare and Medicaid provider enrollment policies, including for skilled nursing facilities; updates to conditions of payment for DMEPOS suppliers; HCPCS Level II coding and payment for wound care management products; electronic prescribing for controlled substances for a covered Part D drug under a prescription drug plan or an MA-PD plan under the Substance Use-Disorder Prevention that Promotes Opioid Recovery and Treatment (SUPPORT) for Patients and Communities Act (SUPPORT Act); updates to the Medicare Ground Ambulance Data Collection System; provisions under the Infrastructure Investment and Jobs Act; and finalizes the CY 2022 Methadone Payment Exception for Opioid Treatment Programs IFC. We are also finalizing, as implemented, a few provisions included in the COVID-19 interim final rules with comment period.","document_number":"2022-23873","html_url":"https://www.federalregister.gov/documents/2022/11/18/2022-23873/medicare-and-medicaid-programs-cy-2023-payment-policies-under-the-physician-fee-schedule-and-other","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-11-18/pdf/2022-23873.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-23873.pdf?1667420129","publication_date":"2022-11-18","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"(for those services for which the use of audio-only technology is permitted under § 410.78(a)(3)), to identify them as having been furnished using audio-only technology. We noted that we have also instructed all relevant providers, including RHCs, FQHCs, and OTPs to append Medicare modifier “FQ” (\n \n Medicare telehealth service was furnished using audio-only \n \n communication technology\n \n ) for allowable audio-only services furnished in those settings; however, consistent with our proposal for audio-only services furnished under the PFS, we also proposed"},{"title":"Financial Factors in Selecting Plan Investments","type":"Rule","abstract":"The Department of Labor (Department) is adopting amendments to the \"investment duties\" regulation under Title I of the Employee Retirement Income Security Act of 1974, as amended (ERISA). The amendments require plan fiduciaries to select investments and investment courses of action based solely on financial considerations relevant to the risk-adjusted economic value of a particular investment or investment course of action.","document_number":"2020-24515","html_url":"https://www.federalregister.gov/documents/2020/11/13/2020-24515/financial-factors-in-selecting-plan-investments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-11-13/pdf/2020-24515.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-24515.pdf?1605188718","publication_date":"2020-11-13","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":"proposal's requirement to consider only pecuniary factors when ERISA investment fiduciaries routinely consider non-pecuniary interests as part of their fiduciary process. They argued, for example, that ERISA specifically provides for plan investments in qualifying employer securities. In the case of employee stock ownership plans (ESOPs), they noted that such plans are designed for investment primarily in employer securities. They said that the proposal conflicted with statutory authorization to invest in employer securities by requiring plan fiduciaries"}]}