# Banking regulators' final rules 2025 to mid-2026 (CFPB, OCC, FDIC, Fed): dates and obligations read from each rule

Final delivery: pull 1 and pull 2 (the job's SECOND PULL). Source: Federal Register API, host www.federalregister.gov, endpoint /api/v1/documents.json, no key.

Revision 2 (answers the round 2 review): the cfr parts value of 2026-11044 now reads 12 CFR 303; 12 CFR 337, the two parts its correcting amendments change, in the rules table and in both CSV files. Both files were re-attached under their names (bank-rules-pull1.csv and bank-rules-pull2.csv, 64 rows each, 17205 bytes, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3); a file declared again under the same name replaces the earlier one. New PULL 1: and PULL 2: notes with that row count and SHA-256 were filed 24 h 1 min apart (2026-11-08T17:46:04Z and 2026-11-09T17:47:31Z). Every other cell, the 64 rules, the excerpts and lines 1 and 3 are as before; line 2 gives the new SHA-256, line 4 the corrected 2026-11044 entry, line 5 the new notes.

Revision 1 (answers the round 1 review): ACCEPTANCE line 4 now answers each of the 64 rules in its own numbered entry: the CFR parts it amends and who must comply, each followed by raw excerpts of that rule's own text (its CFR heading; its amendatory instruction and PART headings, or for the 13 rules that change no CFR text the checked statement that the text has none; the sentences that name who must comply, with any asset threshold). It also found that 2026-11044 amends 12 CFR parts 303 and 337 while its CFR heading names Part 337 only, and it stopped the hedge in that rule's main-obligation cell.

- Source time of pull 1 (HTTP Date header of the first list response, P1-L1): Sat, 07 Nov 2026 15:16:47 GMT.
- Source time of pull 2 (HTTP Date header of the first list response, P2-L1): Sun, 08 Nov 2026 15:27:30 GMT. Pull 2's source time is later than pull 1's.
- PLATFORM RECORD (progress notes on this escrow): the revision 2 `PULL 1:` note recorded 2026-11-08T17:46:04Z (bank-rules-pull1.csv, 64 rows, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3); one factual wait note recorded 2026-11-09T05:46:30Z; the revision 2 `PULL 2:` note recorded 2026-11-09T17:47:31Z (bank-rules-pull2.csv, 64 rows, the same SHA-256), 24 h 1 min after it (the job: 24 hours). The first pair (`PULL 1:` 2026-11-07T15:25:55Z, `PULL 2:` 2026-11-08T15:27:37Z) named the files as first attached (SHA-256 3e3ed3d35af57bb1b7599bd1a134b0c8aa81d0fd6382f6f67b3f45064bcfb0fb), before the 2026-11044 correction.
- Changes (bank-rules-pull1.csv vs bank-rules-pull2.csv by document_number): new 0, gone 0, changed 0 (no change); pull 1 64 rows, pull 2 64 rows.

## D1. Counts per agency (pull 1)

Rule: one request per agency with conditions[agencies][]=<agency>, conditions[type][]=RULE, publication_date 2025-01-01 to 2026-06-30, per_page=100, page=1; `count` and `total_pages` come from the response. Every count fits in one page (total_pages 1), and the results array length equals count.

P1-L1. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:47Z (response header `date: Sat, 07 Nov 2026 15:16:47 GMT`), HTTP/2 200, 41364 bytes, body SHA-256 d4e30673190b6e7e249d35ea05536cc9f631bdd972cd11b755a218a1bc4f55a2.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Consumer Financial Protection Bureau, and of type Rule",
  "count": 28,
  "total_pages": 1,
  "results": [
```
CFPB: count 28, 28 results returned, total_pages 1.

P1-L2. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=comptroller-of-the-currency&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:49Z (response header `date: Sat, 07 Nov 2026 15:16:49 GMT`), HTTP/2 200, 32665 bytes, body SHA-256 1672c6f7b014b338f6eac0fb93764bb6116f3069b6aec926906304f8ab22c2e3.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Comptroller of the Currency, and of type Rule",
  "count": 15,
  "total_pages": 1,
  "results": [
```
OCC: count 15, 15 results returned, total_pages 1.

P1-L3. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-deposit-insurance-corporation&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:51Z (response header `date: Sat, 07 Nov 2026 15:16:51 GMT`), HTTP/2 200, 31250 bytes, body SHA-256 302c9df26cf0927dc784125ceeed10d940b7554f02ab3776baf7270687a69025.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Deposit Insurance Corporation, and of type Rule",
  "count": 14,
  "total_pages": 1,
  "results": [
```
FDIC: count 14, 14 results returned, total_pages 1.

P1-L4. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-reserve-system&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:53Z (response header `date: Sat, 07 Nov 2026 15:16:53 GMT`), HTTP/2 200, 38613 bytes, body SHA-256 cf842836cee9ded5987b11cf91e0c718d0d87b5d4c6cda4457bdc29172d4df4d.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Reserve System, and of type Rule",
  "count": 21,
  "total_pages": 1,
  "results": [
```
Federal Reserve: count 21, 21 results returned, total_pages 1.

Merging rule: one table row per distinct `document_number`. Sum of the four counts = 78; distinct documents = 64; so 14 agency memberships were merged. Joint rules (a document listed under 2 or more of the four agencies): 8. Joint document numbers: 2025-06748, 2025-21626, 2025-22813, 2025-22814, 2025-22875, 2026-06947, 2026-08298, 2026-12787.

## D1. Counts per agency (pull 2)

The same four requests (identical URLs), 24 hours or more after the PULL 1 note. Every count again fits in one page.

P2-L1. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:30Z (response header `date: Sun, 08 Nov 2026 15:27:30 GMT`), HTTP/2 200, 41364 bytes, body SHA-256 d4e30673190b6e7e249d35ea05536cc9f631bdd972cd11b755a218a1bc4f55a2.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Consumer Financial Protection Bureau, and of type Rule",
  "count": 28,
  "total_pages": 1,
  "results": [
```
CFPB: count 28, 28 results returned, total_pages 1.

P2-L2. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=comptroller-of-the-currency&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:32Z (response header `date: Sun, 08 Nov 2026 15:27:33 GMT`), HTTP/2 200, 32665 bytes, body SHA-256 1672c6f7b014b338f6eac0fb93764bb6116f3069b6aec926906304f8ab22c2e3.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Comptroller of the Currency, and of type Rule",
  "count": 15,
  "total_pages": 1,
  "results": [
```
OCC: count 15, 15 results returned, total_pages 1.

P2-L3. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-deposit-insurance-corporation&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:35Z (response header `date: Sun, 08 Nov 2026 15:27:35 GMT`), HTTP/2 200, 31250 bytes, body SHA-256 302c9df26cf0927dc784125ceeed10d940b7554f02ab3776baf7270687a69025.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Deposit Insurance Corporation, and of type Rule",
  "count": 14,
  "total_pages": 1,
  "results": [
```
FDIC: count 14, 14 results returned, total_pages 1.

P2-L4. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-reserve-system&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:37Z (response header `date: Sun, 08 Nov 2026 15:27:37 GMT`), HTTP/2 200, 38613 bytes, body SHA-256 cf842836cee9ded5987b11cf91e0c718d0d87b5d4c6cda4457bdc29172d4df4d.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Reserve System, and of type Rule",
  "count": 21,
  "total_pages": 1,
  "results": [
```
Federal Reserve: count 21, 21 results returned, total_pages 1.

Merging rule: one table row per distinct `document_number`. Sum of the four counts = 78; distinct documents = 64; so 14 agency memberships were merged. Joint rules (a document listed under 2 or more of the four agencies): 8. Joint document numbers: 2025-06748, 2025-21626, 2025-22813, 2025-22814, 2025-22875, 2026-06947, 2026-08298, 2026-12787.

## D1. Rules table (64 rows, pull 2; same values as bank-rules-pull2.csv)

Pull 1 holds the same rows with the same values (Changes section), so this one table serves both pulls.

| doc | ag | pub | effective | compliance | CFR | who must comply | main obligation |
|---|---|---|---|---|---|---|---|
| 2025-00167 | C | 2025-01-08 | 2025-01-15 | none stated | 12 CFR 1083 | Persons subject to CFPB civil penalties (12 CFR 1083); no institution filing | Raises the maximum amount of each CFPB civil penalty for inflation. |
| 2024-30628 | C | 2025-01-10 | 2026-03-01 | none stated | 12 CFR 1026 | Creditors that offer Property Assessed Clean Energy (PACE) financing (Regulation Z, TILA) | Requires an ability-to-repay determination for PACE financing and applies TILA civil liability to PACE transactions. |
| 2025-00374 | O | 2025-01-10 | 2025-01-10 | none stated | 12 CFR 19,109 | Institutions and persons subject to OCC civil money penalties | Announces the inflation-adjusted maximum OCC civil money penalty amounts, applicable to penalties assessed on or after 2025-01-10. |
| 2025-00419 | F | 2025-01-13 | 2025-01-13 | none stated | 12 CFR 263 | Persons subject to Federal Reserve Board civil money penalties | Adjusts each Board civil money penalty amount for inflation. |
| 2024-30824 | C | 2025-01-14 | 2025-03-17 | none stated | 12 CFR 1022 | Creditors and consumer reporting agencies (Regulation V) | Removes the exception that let creditors use medical-debt information and generally bars consumer reporting agencies from furnishing reports with medical debt to creditors that may not use it. |
| 2025-00381 | C | 2025-01-15 | 2025-01-15 | none stated | 12 CFR 1026 | Providers of "earned wage" products (Truth in Lending Act, Regulation Z) | Rescinds the November 2020 advisory opinion that said one type of earned-wage product is not credit. |
| 2025-00429 | F | 2025-01-15 | 2025-01-15 | none stated | 12 CFR 201 | Federal Reserve Banks and depository institutions that borrow from them (Regulation A) | Lowers the primary credit rate at each Reserve Bank; the secondary credit rate falls by formula. |
| 2025-00430 | F | 2025-01-15 | 2025-01-15 | none stated | 12 CFR 204 | Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D) | Sets the interest rate on reserve balances (IORB) at 4.4 percent, down 0.25 point. |
| C1-2024-30824 | C | 2025-01-27 | none | none stated | 12 CFR 1022 | None (correction document) | Corrects the DATES section of 2024-30824: "March 17, 2024" should read "March 17, 2025". |
| 2025-03790 | D | 2025-03-11 | none | 2026-03-01 | 12 CFR 328 | FDIC-insured depository institutions (IDIs), for 12 CFR 328.4 and 328.5 | Delays the compliance date for the digital-channel and ATM official-sign requirements (12 CFR 328.4, 328.5) to 2026-03-01; the date had been delayed at 89 FR 84261. |
| 2025-06748 | DFO | 2025-04-18 | 2025-04-18 | none stated | 12 CFR 34,225,323,722,741 | Institutions making real estate-related financial transactions in Los Angeles County, California, under the agencies appraisal rules | Grants temporary exceptions to FIRREA appraisal requirements when criteria are met; the order expires 2028-01-08. |
| 2025-08286 | C | 2025-05-12 | 2025-05-12 | none stated | 12 CFR Chapter X | None stated (CFPB withdraws guidance documents) | Withdraws many CFPB guidance documents, interpretive rules, policy statements and advisory opinions. |
| 2025-08405 | O | 2025-05-15 | 2025-05-15 | none stated | 12 CFR 5 | Applicants filing Bank Merger Act applications with the OCC | Restores the streamlined application and expedited review for Bank Merger Act filings and rescinds the OCC merger policy statement. |
| 2025-08641 | C | 2025-05-15 | 2025-05-15 | none stated | 12 CFR Chapter X | State officials and entities affected by the 2022 interpretive rule on State enforcement of the Consumer Financial Protection Act | Withdraws the May 2022 interpretive rule (87 FR 31940) on the scope of State enforcement. |
| 2025-08643 | C | 2025-05-16 | 2025-07-15 | none stated | 12 CFR 1024 | Mortgage servicers covered by Regulation X (RESPA) | Rescinds the COVID-19 Emergency borrower-protection rule under RESPA, Regulation X. |
| 2025-08640 | C | 2025-05-21 | 2025-07-21 | none stated | 12 CFR 1082 | State officials who enforce the Consumer Financial Protection Act | Rescinds the CFPB procedures that required a State official to notify the Bureau of an enforcement action (direct final rule). |
| 2025-11241 | C | 2025-06-18 | 2025-06-18 | none stated | 12 CFR 1074 | CFPB (procedural rule) | Rescinds the CFPB rule on how the Bureau issues rules and when they are considered issued. |
| 2025-11244 | C | 2025-06-18 | 2025-07-18 | 2026-07-01; 2027-01-01; 2027-10-01 | 12 CFR 1002 | Covered financial institutions under the Regulation B small business lending rule (Tier 1 highest volume, Tier 2 moderate, Tier 3 smallest) | Extends the small business lending compliance dates by about one year (Tier 1, 2, 3 dates in this order). |
| 2025-12493 | D | 2025-07-03 | 2025-08-04 | none stated | 12 CFR 303 | Insured depository institutions in merger transactions reviewed by the FDIC | Rescinds the 2024 FDIC Statement of Policy on Bank Merger Transactions and reinstates the prior statement. |
| 2025-13665 | C | 2025-07-21 | 2025-07-21 | none stated | 12 CFR 1082 | State officials who enforce the Consumer Financial Protection Act | Withdraws the direct final rule of 2025-05-21 (90 FR 21691, document 2025-08640) that would have rescinded the State-official notification procedures. |
| 2025-18622 | C | 2025-09-25 | 2025-10-27 | none stated | 12 CFR 1091 | Nonbank entities subject to CFPB supervisory designation proceedings | Rescinds the April 2022, November 2022 and April 2024 amendments to the supervisory designation procedures, with limited process adjustments. |
| 2025-19303 | F | 2025-10-02 | 2025-10-02 | none stated | 12 CFR 201 | Federal Reserve Banks and depository institutions that borrow from them (Regulation A) | Lowers the primary credit rate at each Reserve Bank. |
| 2025-19304 | F | 2025-10-02 | 2025-10-02 | none stated | 12 CFR 204 | Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D) | Sets IORB at 4.15 percent, down 0.25 point. |
| 2025-19370 | C | 2025-10-02 | 2025-12-01 | 2026-07-01; 2027-01-01; 2027-10-01 | 12 CFR 1002 | Covered financial institutions under the Regulation B small business lending rule (Tier 1, Tier 2, Tier 3) | Finalizes the June 2025 interim final rule that moved the compliance dates (Tier 1, 2, 3 dates in this order). |
| 2025-19671 | C | 2025-10-28 | 2025-10-28 | none stated | 12 CFR 1022 | Parties subject to the Fair Credit Reporting Act and State credit-reporting laws | Interpretive rule: the FCRA generally preempts State laws on broad areas of credit reporting; replaces the July 2022 interpretive rule. |
| 2025-19687 | C | 2025-10-29 | 2025-10-29 | none stated | 12 CFR 1081 | Respondents in CFPB adjudication proceedings | Rescinds the 2022 and 2023 amendments to the Rules of Practice for Adjudication Proceedings. |
| 2025-19689 | C | 2025-10-29 | 2025-10-29 | none stated | 12 CFR 1092 | Nonbank covered persons subject to certain public orders (former registry rule) | Rescinds the rule that required registration of certain public orders with a CFPB registry. |
| 2025-19888 | F | 2025-11-14 | 2025-11-14 | none stated | 12 CFR 201 | Federal Reserve Banks and depository institutions that borrow from them (Regulation A) | Revises the primary and secondary credit rates; applicable 2025-10-30. |
| 2025-19889 | F | 2025-11-14 | 2025-11-14 | none stated | 12 CFR 204 | Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D) | Revises the IORB rate; applicable 2025-10-30. |
| 2025-20472 | F | 2025-11-20 | 2025-12-22 | none stated | 12 CFR 209 | Federal Reserve Bank stockholders; the threshold is total consolidated assets of $13,182,000,000 through 2026-12-31 | Inflation-adjusts the Regulation I asset threshold that sets the Reserve Bank stock dividend rate; applies from 2026-01-01. |
| 2025-20744 | F | 2025-11-24 | 2025-12-24 | 2026-01-01 | 12 CFR 204 | Depository institutions subject to Regulation D reserve requirements (exemption amount $39.2 million; low reserve tranche $674.1 million) | Indexes the reserve requirement exemption amount and low reserve tranche for 2026; reserve requirement ratios stay zero. |
| 2025-21461 | D | 2025-11-28 | none | 2027-01-01 | 12 CFR 328 | FDIC-insured depository institutions (IDIs), for 12 CFR 328.4 and 328.5 | Delays the compliance date for 12 CFR 328.4 and 328.5 from 2026-03-01 (set by 90 FR 11659, document 2025-03790) to 2027-01-01. |
| 2025-21626 | DFO | 2025-12-01 | 2026-04-01 | none stated | 12 CFR 3,6,208,217,252,324 | Global systemically important bank holding companies (GSIBs), their Board- or FDIC-regulated depository institution subsidiaries, and national banks and Federal savings associations owned by a top-tier holding company with over $700 billion in total consolidated assets or over $10 trillion in assets under custody | Modifies the enhanced supplementary leverage ratio standards; GSIBs and covered depository institutions may adopt them voluntarily from 2026-01-01. |
| 2025-21914 | D | 2025-12-04 | 2026-01-01 | none stated | 12 CFR 303,314,335,340,347,363,380 | FDIC-insured depository institutions subject to the thresholds in 12 CFR parts 303, 314, 335, 340, 347, 363 and 380 (including part 363 audit requirements) | Raises regulatory thresholds for inflation and sets biennial indexing; first future adjustment effective 2027-10-01. |
| 2025-22772 | C | 2025-12-15 | 2026-01-01 | none stated | 12 CFR 1022 | Consumer reporting agencies (Regulation V, FCRA section 609) | Sets the 2026 maximum charge for a consumer file disclosure at $16.00. |
| 2025-22773 | C | 2025-12-15 | 2026-01-01 | none stated | 12 CFR 1026 | Creditors under Regulation Z, including HOEPA high-cost mortgage provisions | Updates the Regulation Z dollar amounts for 2026 from the June 2025 CPI. |
| 2025-22813 | CF | 2025-12-15 | 2026-01-01 | none stated | 12 CFR 213,1013 | Lessors under the Consumer Leasing Act, Regulation M (exempt-lease threshold $73,400, was $71,900) | Raises the Consumer Leasing Act exemption threshold to $73,400 (Board and CFPB official interpretations). |
| 2025-22814 | CF | 2025-12-15 | 2026-01-01 | none stated | 12 CFR 226,1026 | Creditors offering consumer credit under Regulation Z (exempt-credit threshold $73,400, was $71,900) | Raises the Truth in Lending exemption threshold to $73,400 (Board and CFPB official interpretations). |
| 2025-22875 | CFO | 2025-12-16 | 2026-01-01 | none stated | 12 CFR 34,226,1026 | Creditors making higher-priced mortgage loans (HPML appraisal rules; exemption threshold $34,200, was $33,500) | Raises the HPML appraisal exemption threshold to $34,200 (OCC, Board, CFPB interpretations). |
| 2025-23389 | F | 2025-12-19 | 2025-12-19 | none stated | 12 CFR 201 | Federal Reserve Banks and depository institutions that borrow from them (Regulation A) | Revises the primary and secondary credit rates; applicable 2025-12-11. |
| 2025-23390 | F | 2025-12-19 | 2025-12-19 | none stated | 12 CFR 204 | Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D) | Revises the IORB rate; applicable 2025-12-11. |
| 2025-23425 | D | 2025-12-19 | 2025-12-19 | none stated | 12 CFR 327 | Insured depository institutions subject to the FDIC special assessment (uninsured deposits above a $5 billion deduction) | Reduces the special assessment rate in the eighth collection quarter from 3.36 to 2.97 basis points and adds an offset to regular assessments if collections exceed losses. |
| 2025-23548 | F | 2025-12-22 | 2025-12-22 | none stated | 12 CFR 208 | State member banks, uninsured state member banks and uninsured state-chartered applicants for membership | Rescinds the 2023 policy statement on section 9(13) of the Federal Reserve Act and issues a new policy statement. |
| 2025-23837 | D | 2025-12-29 | 2026-02-27 | none stated | 12 CFR 303,345 | FDIC-supervised insured State nonmember banks and insured branches of foreign banks | Eliminates certain branch and relocation filing requirements, shortens processing timelines and updates public notice procedures. |
| 2026-00085 | C | 2026-01-07 | 2026-01-07 | none stated | 12 CFR 1026 | Creditors with assets under $2.785 billion (first-lien HPML escrow exemption) and insured depository institutions and credit unions with assets of $12.485 billion or less | Adjusts the Regulation Z HPML escrow-account asset-size exemption thresholds for 2026. |
| 2026-00087 | C | 2026-01-07 | 2026-01-07 | none stated | 12 CFR 1003 | Banks, savings associations and credit unions with assets of $59 million or less on 2025-12-31 (exempt from HMDA data collection in 2026) | Raises the Regulation C asset-size exemption threshold to $59 million from $58 million. |
| 2026-01806 | D | 2026-01-29 | 2026-03-02 | 2027-04-01 | 12 CFR 328 | FDIC-insured depository institutions (IDIs) with digital deposit-taking channels, ATMs and like devices | Amends the official-sign requirements for digital channels and ATMs; compliance is required by 2027-04-01. |
| 2026-04088 | O | 2026-03-02 | 2026-04-01 | none stated | 12 CFR 5 | National banks limited to trust company operations (OCC) | Clarifies that such national banks may engage in non-fiduciary activities in addition to fiduciary activities. |
| 2026-04275 | O | 2026-03-04 | 2026-04-03 | none stated | 12 CFR 5 | National banks and Federal savings associations with less than $30 billion in total assets that satisfy certain conditions | Simplifies OCC licensing requirements for corporate activities and transactions. |
| 2026-04276 | O | 2026-03-04 | 2026-04-03 | none stated | 12 CFR 27 | National banks (OCC) | Rescinds the OCC Fair Housing Home Loan Data System regulation (12 CFR part 27). |
| 2026-04373 | F | 2026-03-05 | 2026-03-05 | none stated | 12 CFR 265 | Federal Reserve Board (internal delegations) | Adds previously approved delegations of authority and makes technical corrections. |
| 2026-05544 | F | 2026-03-20 | 2026-03-20 | none stated | 12 CFR 262 | Federal Reserve Board (rules of procedure) | Makes technical corrections to the Board Rules of Procedure. |
| 2026-05652 | D | 2026-03-23 | 2026-04-22 | none stated | 12 CFR 330 | FDIC-insured depository institutions with branches in the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau | Provides that the FDIC insures deposits of all such branches, present or future. |
| 2026-06281 | O | 2026-04-01 | 2026-05-01 | none stated | 12 CFR 30 | Large insured national banks, insured Federal savings associations and insured Federal branches that were subject to the OCC recovery planning guidelines | Rescinds the OCC Guidelines Establishing Standards for Recovery Planning. |
| 2026-06947 | DO | 2026-04-10 | 2026-06-09 | none stated | 12 CFR 1,4,30,302,364 | The OCC and the FDIC (supervisory conduct toward the institutions they supervise) | Prohibits the agencies from using reputation risk in supervision and from directing account or service closures for political, social, cultural or religious reasons. |
| 2026-07804 | C | 2026-04-22 | 2026-07-21 | none stated | 12 CFR 1002 | Creditors under the Equal Credit Opportunity Act (Regulation B) | Amends Regulation B provisions on disparate impact, discouragement and special purpose credit programs. |
| 2026-08298 | DFO | 2026-04-29 | 2026-07-01 | none stated | 12 CFR 3,217,324 | Qualifying community banking organizations in the community bank leverage ratio (CBLR) framework (depository institutions and holding companies with total consolidated assets of less than $10 billion) | Lowers the CBLR requirement from 9 to 8 percent and lengthens the allowed time out of the framework from two to four consecutive quarters, up to eight quarters in five years. |
| 2026-08328 | O | 2026-04-29 | 2026-06-30 | none stated | 12 CFR 7 | National banks (OCC) | Clarifies that the power to charge non-interest charges and fees includes interchange fees, even when third parties set them. |
| 2026-08494 | C | 2026-05-01 | 2026-06-30 | 2028-01-01 | 12 CFR 1002 | Covered financial institutions that originate at least 1,000 covered credit transactions for small businesses in each of calendar years 2026 and 2027 | Revises the section 1071 small business lending rule (Regulation B subpart B) and sets a single compliance date of 2028-01-01. |
| 2026-10037 | O | 2026-05-19 | 2026-06-18 | none stated | 12 CFR 34 | OCC-regulated banks (national banks; Federal savings associations through the HOLA) | Determines that Federal law preempts State interest-on-escrow laws that restrict whether or how much interest is paid on escrow accounts or fees charged on them. |
| 2026-11044 | D | 2026-06-03 | 2026-06-03 | none stated | 12 CFR 303,337 | FDIC (technical correction of brokered deposit rules) | Corrects errors from the 2021 brokered deposits rule in 12 CFR parts 303 and 337 (its correcting amendments change both parts; see ACCEPTANCE 4). |
| 2026-12149 | C | 2026-06-17 | 2026-06-17 | none stated | 12 CFR 1002 | For-profit organizations that run special purpose credit programs (Regulation B) | Rescinds the December 2020 advisory opinion on special purpose credit programs run by for-profit organizations. |
| 2026-12787 | CDFO | 2026-06-25 | 2026-10-01 | none stated | 12 CFR 15,262,304,753,1077,1226; 17 CFR 140,256; 31 CFR 151 | OCC, Board, FDIC, NCUA, CFPB, FHFA, CFTC, SEC and Treasury; the rule says no member of the public is required to comply | Establishes joint data standards for financial regulatory data under the Financial Data Transparency Act. |
| C1-2026-10036 | O | 2026-06-29 | none | none stated | 12 CFR 34,160 | None (correction document) | Corrects the heading of rule document 2026-10036 (19 May 2026, page 29340): Real Estate Lending Escrow Accounts, 12 CFR parts 34 and 160. |

ag key: C = CFPB, O = OCC, D = FDIC, F = Federal Reserve (membership in the four agency lists).

## Calendar: compliance dates from 2026-11-03 on

Rule: a date that a rule's own text calls a compliance date (or the date by which compliance is required), 2026-11-03 or later. Proof for each date is the raw DATES excerpt of that rule in the PROOF section.

| date | rule | what the rule says |
|---|---|---|
| 2027-01-01 | 2025-21461 | FDIC official-sign requirements 12 CFR 328.4 and 328.5 delayed to 2027-01-01; later moved to 2027-04-01 by 2026-01806 (see next row) |
| 2027-04-01 | 2026-01806 | FDIC: "Compliance is required by April 1, 2027" for the amended official-sign requirements (digital channels, ATMs and like devices) |
| 2028-01-01 | 2026-08494 | CFPB: "The compliance date for the rule is January 1, 2028" (Regulation B small business lending, section 1071); replaces the tier dates below |
| 2027-01-01 (Tier 2) and 2027-10-01 (Tier 3) | 2025-19370, 2025-11244 | small business lending tier dates set in 2025; 2026-08494 removes the tiers in favour of the single 2028-01-01 date |

Other dated items that are not compliance dates (for context): 2026-12-31 end of the Regulation I $13,182,000,000 threshold (2025-20472); applications received before 2027-04-01 for the Regulation Z escrow exemption (2026-00085); 2027-10-01 first FDIC threshold adjustment (2025-21914); 2028-01-08 expiry of the Los Angeles County appraisal exceptions (2025-06748). Rule 2026-12787 is effective 2026-10-01 and says no member of the public is required to comply.

## Changes (pull 1 vs pull 2)

Matching rule: the two CSV files are matched by the key column document_number; new = keys only in pull 2, gone = keys only in pull 1, changed = the same key with a different value in a named column (all 8 columns compared as text).

**no change**: new 0, gone 0, changed 0. Pull 1 rows 64, pull 2 rows 64 (64 = 64 + 0 - 0).

List level: every pull 2 list entry (all requested fields) and every agency membership equals pull 1's, so pull 2 reads no rule text in full again (TASK: "Pull 2 repeats the four list requests and reads in full only documents that are new or changed"). The dates of all rules stand on the pull 1 text excerpts in PROOF.

## Data files (Rule 25)

- bank-rules-pull1.csv: SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3, 17205 bytes, 64 data rows (excluding the header). Pull 1.
- bank-rules-pull2.csv: SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3, 17205 bytes, 64 data rows (excluding the header). Pull 2.
- Both files: columns in order: document_number, agencies, publication_date, title, effective date, compliance date, cfr parts, who must comply. Key column: document_number (unique). One row per rule; a value the source leaves empty is an empty cell.

```sha256
ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3 bank-rules-pull1.csv
ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3 bank-rules-pull2.csv
```

Notes on values: `effective date` is the effective_on of the list response when the API has one, otherwise the date the DATES line states as the operative date (applicable or rescinded date), otherwise empty. 2024-30824: its DATES line prints "March 17, 2024" and correction C1-2024-30824 says it should read "March 17, 2025", so the CSV has 2025-03-17. Documents 2025-11244 and 2025-19370 carry three compliance dates (Tier 1, Tier 2, Tier 3) joined by `; `. CFR parts are the cfr_references of the list response (title and part), `12 CFR Chapter X` where the response gives no part. The one exception is 2026-11044 (revision 2): its cell lists 12 CFR 303; 12 CFR 337, the parts its correcting amendments change, while its cfr_references give Part 337 only.

## PROOF

### Pull 1: 4 list requests and 64 rule-text requests, each with its UTC time, HTTP status and HTTP Date header

P1-L1. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:47Z (response header `date: Sat, 07 Nov 2026 15:16:47 GMT`), HTTP/2 200, 41364 bytes, body SHA-256 d4e30673190b6e7e249d35ea05536cc9f631bdd972cd11b755a218a1bc4f55a2.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Consumer Financial Protection Bureau, and of type Rule",
  "count": 28,
  "total_pages": 1,
  "results": [
```

P1-L2. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=comptroller-of-the-currency&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:49Z (response header `date: Sat, 07 Nov 2026 15:16:49 GMT`), HTTP/2 200, 32665 bytes, body SHA-256 1672c6f7b014b338f6eac0fb93764bb6116f3069b6aec926906304f8ab22c2e3.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Comptroller of the Currency, and of type Rule",
  "count": 15,
  "total_pages": 1,
  "results": [
```

P1-L3. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-deposit-insurance-corporation&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:51Z (response header `date: Sat, 07 Nov 2026 15:16:51 GMT`), HTTP/2 200, 31250 bytes, body SHA-256 302c9df26cf0927dc784125ceeed10d940b7554f02ab3776baf7270687a69025.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Deposit Insurance Corporation, and of type Rule",
  "count": 14,
  "total_pages": 1,
  "results": [
```

P1-L4. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-reserve-system&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-07T15:16:53Z (response header `date: Sat, 07 Nov 2026 15:16:53 GMT`), HTTP/2 200, 38613 bytes, body SHA-256 cf842836cee9ded5987b11cf91e0c718d0d87b5d4c6cda4457bdc29172d4df4d.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Reserve System, and of type Rule",
  "count": 21,
  "total_pages": 1,
  "results": [
```

P1-T-2025-00167. GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt at 2026-11-07T15:17:20Z (response header `date: Sat, 07 Nov 2026 15:17:20 GMT`), HTTP/2 200, 17997 bytes, body SHA-256 1646514265ccce6b0bc732663af96895e93f3289d39991a6c7cfce86d8fc3b94.
Body lines 59-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt
```
DATES: This final rule is effective January 15, 2025.
```

P1-T-2024-30628. GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt at 2026-11-07T15:17:17Z (response header `date: Sat, 07 Nov 2026 15:17:17 GMT`), HTTP/2 200, 610966 bytes, body SHA-256 4f07bbbe297d0e25087e2e27dd85ba9de21e71365fcd067f6f82510a7e13cfd9.
Body lines 87-87 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt
```
DATES: This final rule is effective March 1, 2026.
```

P1-T-2025-00374. GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2025-00374.txt at 2026-11-07T15:17:22Z (response header `date: Sat, 07 Nov 2026 15:17:22 GMT`), HTTP/2 200, 18035 bytes, body SHA-256 088a961adad9a89ca0b297808b1b3a7f30f04657cce267bd2a3e9716359b6323.
Body lines 38-40 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2025-00374.txt
```
DATES: The adjusted maximum amount of civil money penalties in this 
document are applicable to penalties assessed on or after January 10, 
2025 for conduct occurring on or after November 2, 2015.
```

P1-T-2025-00419. GET https://www.federalregister.gov/documents/full_text/text/2025/01/13/2025-00419.txt at 2026-11-07T15:17:25Z (response header `date: Sat, 07 Nov 2026 15:17:25 GMT`), HTTP/2 200, 12281 bytes, body SHA-256 52e78c1fca30183e1b2be9b506fd70d92816497c37003a439c3f85d7dae487de.
Body lines 59-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/13/2025-00419.txt
```
DATES: This final rule is effective on January 13, 2025.
```

P1-T-2024-30824. GET https://www.federalregister.gov/documents/full_text/text/2025/01/14/2024-30824.txt at 2026-11-07T15:17:19Z (response header `date: Sat, 07 Nov 2026 15:17:19 GMT`), HTTP/2 200, 835518 bytes, body SHA-256 695945b6e52a366cb25cd5d4ebc3dfafe9bb6da5b7680f3aaf2a04bcf46cd8db.
Body lines 87-87 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/14/2024-30824.txt
```
DATES: This final rule is effective March 17, 2024.
```

P1-T-2025-00381. GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00381.txt at 2026-11-07T15:17:23Z (response header `date: Sat, 07 Nov 2026 15:17:23 GMT`), HTTP/2 200, 21463 bytes, body SHA-256 9c4d055ea9c59dbc723192aa6720bb682c5693c798d8f79abecd3d42c958bc2c.
Body lines 38-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00381.txt
```
DATES: This advisory opinion is applicable January 15, 2025.
```

P1-T-2025-00429. GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt at 2026-11-07T15:17:27Z (response header `date: Sat, 07 Nov 2026 15:17:27 GMT`), HTTP/2 200, 8606 bytes, body SHA-256 8f18c57790f23d77ca7191ff2ef01af4747dff49e24d066b5352342fa42bd748.
Body lines 38-42 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt
```
DATES: 
    Effective date: This rule (amendments to part 201 (Regulation A)) 
is effective January 15, 2025.
    Applicability date: The rate changes for primary and secondary 
credit were applicable on December 19, 2024.
```

P1-T-2025-00430. GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00430.txt at 2026-11-07T15:17:28Z (response header `date: Sat, 07 Nov 2026 15:17:28 GMT`), HTTP/2 200, 9241 bytes, body SHA-256 a95c4a6e5d1bbfd47a3a1fe9a03d4919484f4b795c2cd525314166a32f8a4db3.
Body lines 40-44 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00430.txt
```
DATES: 
    Effective date: This rule (amendments to part 204 (Regulation D)) 
is effective January 15, 2025.
    Applicability date: The IORB rate change was applicable on December 
19, 2024.
```

P1-T-C1-2024-30824. GET https://www.federalregister.gov/documents/full_text/text/2025/01/27/C1-2024-30824.txt at 2026-11-07T15:18:55Z (response header `date: Sat, 07 Nov 2026 15:18:55 GMT`), HTTP/2 200, 1691 bytes, body SHA-256 026f02c701dc4aff9f7fcf019a523e9b7c8219c911dee987e85aef7f1dcc47fe.
Body lines 49-53 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/27/C1-2024-30824.txt
```
    In rule document 2024-30824, appearing on pages 3276-3374 in the 
issue of Tuesday, January 14, 2025, make the following correction:
    On page 3276, in the first column, in the DATES section, ``March 
17, 2024'' should read ``March 17, 2025''.

```

P1-T-2025-03790. GET https://www.federalregister.gov/documents/full_text/text/2025/03/11/2025-03790.txt at 2026-11-07T15:17:30Z (response header `date: Sat, 07 Nov 2026 15:17:30 GMT`), HTTP/2 200, 6443 bytes, body SHA-256 deb00f7ec72b3971bbc14c50c574b140d63ce7f676ebed7e979d10759cf07cb4.
Body lines 51-53 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/03/11/2025-03790.txt
```
DATES: The compliance date for 12 CFR 328.4 and 328.5, which was 
initially delayed at 89 FR 84261 (October 22, 2024), is further delayed 
to March 1, 2026.
```

P1-T-2025-06748. GET https://www.federalregister.gov/documents/full_text/text/2025/04/18/2025-06748.txt at 2026-11-07T15:17:32Z (response header `date: Sat, 07 Nov 2026 15:17:32 GMT`), HTTP/2 200, 11735 bytes, body SHA-256 87ba2da2da8489ae7e0721c495c47b2eae3afe66385df6a4e077cadf15842ce3.
Body lines 91-93 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/04/18/2025-06748.txt
```
DATES: This order is effective on April 18, 2025 and expires 3 years 
after the date the President declared the relevant area a major 
disaster, which is January 8, 2028.
```

P1-T-2025-08286. GET https://www.federalregister.gov/documents/full_text/text/2025/05/12/2025-08286.txt at 2026-11-07T15:17:33Z (response header `date: Sat, 07 Nov 2026 15:17:33 GMT`), HTTP/2 200, 21969 bytes, body SHA-256 004541964d781c19e7a30fb76e71ebd8ac224cc59be527ceb84441bc45a0f8e0.
Body lines 35-35 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/12/2025-08286.txt
```
DATES: The withdrawals are applicable as of May 12, 2025.
```

P1-T-2025-08405. GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08405.txt at 2026-11-07T15:17:35Z (response header `date: Sat, 07 Nov 2026 15:17:35 GMT`), HTTP/2 200, 37748 bytes, body SHA-256 94f206fabd4f6fa460b17d723f1e3a423fdb47a816976811c55eff08d8b8c28a.
Body lines 60-61 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08405.txt
```
DATES: The interim final rule is effective May 15, 2025. Comments on 
the interim final rule must be received by June 16, 2025.
```

P1-T-2025-08641. GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08641.txt at 2026-11-07T15:17:38Z (response header `date: Sat, 07 Nov 2026 15:17:38 GMT`), HTTP/2 200, 11580 bytes, body SHA-256 5630d1ee868313a0b54944d52144496f5b8c09ef65cf212115dd065d688e3b6a.
Body lines 35-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08641.txt
```
DATES: As of May 15, 2025, the interpretive rule published at 87 FR 
31940 (May 26, 2022) is withdrawn. This interpretive rule is effective 
on May 15, 2025.
```

P1-T-2025-08643. GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt at 2026-11-07T15:17:40Z (response header `date: Sat, 07 Nov 2026 15:17:40 GMT`), HTTP/2 200, 27119 bytes, body SHA-256 6146b4f7ae58d69c0a794b53962db50f3e80ef02e7c019f90e7ad3dc70686323.
Body lines 38-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt
```
DATES: This IFR is effective on July 15, 2025. Comments must be 
received on or before June 16, 2025.
```

P1-T-2025-08640. GET https://www.federalregister.gov/documents/full_text/text/2025/05/21/2025-08640.txt at 2026-11-07T15:17:37Z (response header `date: Sat, 07 Nov 2026 15:17:37 GMT`), HTTP/2 200, 9004 bytes, body SHA-256 16244fc67a527cd6e340cc428183323a1ccbf350bd308dcc5e5e2d9d7f3abb9e.
Body lines 40-42 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/21/2025-08640.txt
```
DATES: The final rule is effective July 21, 2025, unless significant 
adverse comments are received by June 20, 2025. For additional 
information, see the SUPPLEMENTARY INFORMATION below.
```

P1-T-2025-11241. GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11241.txt at 2026-11-07T15:17:41Z (response header `date: Sat, 07 Nov 2026 15:17:41 GMT`), HTTP/2 200, 9148 bytes, body SHA-256 88ff4aa7acc07729a3241a12c4e156e2fb9ebf25ff1ac5cb45719f08ce0e8945.
Body lines 33-33 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11241.txt
```
DATES: The Final Rule is effective on June 18, 2025.
```

P1-T-2025-11244. GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt at 2026-11-07T15:17:43Z (response header `date: Sat, 07 Nov 2026 15:17:43 GMT`), HTTP/2 200, 72745 bytes, body SHA-256 5ef828f2f4ea2705044eee68905f1d2d3ef9fdb0641a451587b30e455ade89e3.
Body lines 39-40 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
DATES: This interim final rule is effective July 18, 2025. Comments 
must be received on or before July 18, 2025.
```
Body lines 157-167 of the same response (compliance tier table), GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
                                 Table 1--Compliance Dates and Filing Deadlines
----------------------------------------------------------------------------------------------------------------
                                       Original       Revised compliance
                                  compliance date in   date in the 2024     New compliance     New first filing
         Compliance tier            the 2023 final      interim  final           date              deadline
                                         rule                rule
----------------------------------------------------------------------------------------------------------------
Highest volume lenders (Tier 1).  October 1, 2024...  July 18, 2025.....  July 1, 2026......  June 1, 2027.
Moderate volume lenders (Tier 2)  April 1, 2025.....  January 16, 2026..  January 1, 2027...  June 1, 2028.
Smallest volume lenders (Tier 3)  January 1, 2026...  October 18, 2026..  October 1, 2027...  June 1, 2028.
----------------------------------------------------------------------------------------------------------------
```

P1-T-2025-12493. GET https://www.federalregister.gov/documents/full_text/text/2025/07/03/2025-12493.txt at 2026-11-07T15:17:44Z (response header `date: Sat, 07 Nov 2026 15:17:44 GMT`), HTTP/2 200, 38495 bytes, body SHA-256 e4efc3561f179510c30cfdcd40f77be06970dd1954e0014078eaf5d4bc9da191.
Body lines 61-62 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/07/03/2025-12493.txt
```
DATES: This Bank Merger Statement of Policy supersedes the 2024 
Statement of Policy, effective on August 4, 2025.
```

P1-T-2025-13665. GET https://www.federalregister.gov/documents/full_text/text/2025/07/21/2025-13665.txt at 2026-11-07T15:17:46Z (response header `date: Sat, 07 Nov 2026 15:17:46 GMT`), HTTP/2 200, 2706 bytes, body SHA-256 8bf6067487a77cd1b30d3bfe5e904fd8d9a7df987c3c5aaafc9c7e9ac5558341.
Body lines 38-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/07/21/2025-13665.txt
```
DATES: The direct final rule published on May 21, 2025, at 90 FR 21691, 
is withdrawn, effective July 21, 2025.
```

P1-T-2025-18622. GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt at 2026-11-07T15:17:48Z (response header `date: Sat, 07 Nov 2026 15:17:48 GMT`), HTTP/2 200, 77508 bytes, body SHA-256 2058b4b73a961588dfc3fef7f11de8447eb1370892b336026fbf591b0e2bb6a6.
Body lines 37-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt
```
DATES: This final rule is effective October 27, 2025.
```

P1-T-2025-19303. GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt at 2026-11-07T15:17:49Z (response header `date: Sat, 07 Nov 2026 15:17:49 GMT`), HTTP/2 200, 8615 bytes, body SHA-256 e74f79b53bb9a6b13503e2112c9d769773334b3244cd1e0726c08e4f2565ed87.
Body lines 39-43 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt
```
DATES: 
    Effective date: This rule (amendments to part 201 (Regulation A)) 
is effective October 2, 2025.
    Applicability date: The rate changes for primary and secondary 
credit were applicable on September 18, 2025.
```

P1-T-2025-19304. GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19304.txt at 2026-11-07T15:17:51Z (response header `date: Sat, 07 Nov 2026 15:17:51 GMT`), HTTP/2 200, 9279 bytes, body SHA-256 b03e32b22cbb6b0138b8faddfd0910b4496e103ce7eb8f0e9b8e27d69ff99907.
Body lines 41-45 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19304.txt
```
DATES: 
    Effective date: This rule (amendments to part 204 (Regulation D)) 
is effective October 2, 2025.
    Applicability date: The IORB rate change was applicable on 
September 18, 2025.
```

P1-T-2025-19370. GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt at 2026-11-07T15:17:53Z (response header `date: Sat, 07 Nov 2026 15:17:53 GMT`), HTTP/2 200, 69323 bytes, body SHA-256 5eb2bac62d3345ee181c7dc7935e3d7d30e18e4dfc44028ea65121165fdf9726.
Body lines 38-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
DATES: This final rule is effective December 1, 2025.
```
Body lines 147-157 of the same response (compliance tier table), GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
                                 Table 1--Compliance Dates and Filing Deadlines
----------------------------------------------------------------------------------------------------------------
                                       Original       Revised compliance
                                  compliance date in   date in the 2024     New compliance     New first filing
         Compliance tier            the 2023 final      interim  final           date              deadline
                                         rule                rule
----------------------------------------------------------------------------------------------------------------
Highest volume lenders (Tier 1).  October 1, 2024...  July 18, 2025.....  July 1, 2026......  June 1, 2027.
Moderate volume lenders (Tier 2)  April 1, 2025.....  January 16, 2026..  January 1, 2027...  June 1, 2028.
Smallest volume lenders (Tier 3)  January 1, 2026...  October 18, 2026..  October 1, 2027...  June 1, 2028.
----------------------------------------------------------------------------------------------------------------
```

P1-T-2025-19671. GET https://www.federalregister.gov/documents/full_text/text/2025/10/28/2025-19671.txt at 2026-11-07T15:17:54Z (response header `date: Sat, 07 Nov 2026 15:17:54 GMT`), HTTP/2 200, 43876 bytes, body SHA-256 c1fd13c5e7f9f94c08e79121176f43fdf68cc074c1406f64a880abde6b62ff88.
Body lines 37-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/28/2025-19671.txt
```
DATES: This interpretive rule is applicable on October 28, 2025.
```

P1-T-2025-19687. GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt at 2026-11-07T15:17:56Z (response header `date: Sat, 07 Nov 2026 15:17:56 GMT`), HTTP/2 200, 173307 bytes, body SHA-256 7d3d12eb3b4c9d8d9609776c15c6b0d287b7e700ffa58b9c8b84a7619a9c221e.
Body lines 65-65 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt
```
DATES: This rule is effective on October 29, 2025.
```

P1-T-2025-19689. GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19689.txt at 2026-11-07T15:17:57Z (response header `date: Sat, 07 Nov 2026 15:17:57 GMT`), HTTP/2 200, 137148 bytes, body SHA-256 b5ba9081713eda602353e15e24e3c93e2ec02e640d3cbcd3ea074f72b1660b66.
Body lines 39-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19689.txt
```
DATES: This rule is effective on October 29, 2025.
```

P1-T-2025-19888. GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt at 2026-11-07T15:17:59Z (response header `date: Sat, 07 Nov 2026 15:17:59 GMT`), HTTP/2 200, 9236 bytes, body SHA-256 7febda40f2e920fd6dbe40e75a094a4c9a16a5d55bad3987f95dee4aa5775709.
Body lines 59-63 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt
```
DATES: 
    Effective date: This rule (amendments to part 201 (Regulation A)) 
is effective November 14, 2025.
    Applicability date: The rate changes for primary and secondary 
credit were applicable on October 30, 2025.
```

P1-T-2025-19889. GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19889.txt at 2026-11-07T15:18:00Z (response header `date: Sat, 07 Nov 2026 15:18:01 GMT`), HTTP/2 200, 9255 bytes, body SHA-256 95f64c40f3934c669bd00f41b8b381ed0c1ed83e18ae1e911dbc4f4b09c2b9d7.
Body lines 41-45 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19889.txt
```
DATES: 
    Effective date: This rule (amendments to part 204 (Regulation D)) 
is effective November 14, 2025.
    Applicability date: The IORB rate change was applicable on October 
30, 2025.
```

P1-T-2025-20472. GET https://www.federalregister.gov/documents/full_text/text/2025/11/20/2025-20472.txt at 2026-11-07T15:18:02Z (response header `date: Sat, 07 Nov 2026 15:18:02 GMT`), HTTP/2 200, 8795 bytes, body SHA-256 93efc6f253dce9d61768a4258a4ed4adcfce8e7b4687a596440a8ebfa9b0f49f.
Body lines 45-48 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/20/2025-20472.txt
```
DATES: 
    Effective date: December 22, 2025.
    Applicability date: The adjusted threshold for total consolidated 
assets will apply beginning on January 1, 2026.
```

P1-T-2025-20744. GET https://www.federalregister.gov/documents/full_text/text/2025/11/24/2025-20744.txt at 2026-11-07T15:18:04Z (response header `date: Sat, 07 Nov 2026 15:18:04 GMT`), HTTP/2 200, 10837 bytes, body SHA-256 324946c32a767699291387711de78cbdbf3b60a86c7bffdbeb7d41d84f8cfaa0.
Body lines 46-48 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/24/2025-20744.txt
```
DATES: Effective date: December 24, 2025.
    Compliance dates: The new exemption amount and low reserve tranche 
will apply beginning January 1, 2026.
```

P1-T-2025-21461. GET https://www.federalregister.gov/documents/full_text/text/2025/11/28/2025-21461.txt at 2026-11-07T15:18:05Z (response header `date: Sat, 07 Nov 2026 15:18:05 GMT`), HTTP/2 200, 5626 bytes, body SHA-256 8df099540d87755ff1109c2e9a300b668afa784e512fdc50355958f41cade5bf.
Body lines 45-48 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/28/2025-21461.txt
```
DATES: The compliance date for the requirements in 12 CFR 328.4 and 
328.5, which was initially delayed at 89 FR 84261 (October 22, 2024) 
and was subsequently delayed at 90 FR 11659 (March 11, 2025), is 
further delayed to January 1, 2027.
```

P1-T-2025-21626. GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt at 2026-11-07T15:18:07Z (response header `date: Sat, 07 Nov 2026 15:18:07 GMT`), HTTP/2 200, 313668 bytes, body SHA-256 32f8b25177a8c54bf526c39030fbff54a4473707b7330852566ee1f7b112eeff.
Body lines 165-165 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
DATES: The final rule is effective April 1, 2026.
```

P1-T-2025-21914. GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt at 2026-11-07T15:18:08Z (response header `date: Sat, 07 Nov 2026 15:18:08 GMT`), HTTP/2 200, 188468 bytes, body SHA-256 9027348ffa9ae800ad5d95348430c4b3a8d43fcd66cb109ce4d30affea513fd7.
Body lines 64-70 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
DATES: 
    Effective date: The final rule is effective January 1, 2026.
    Applicability dates: An insured depository institution (IDI) need 
not comply with the applicable 12 CFR part 363 requirements in effect 
as of December 31, 2025, if the IDI will not be subject to such 12 CFR 
part 363 requirements under the updated thresholds in effect as of 
January 1, 2026, as specified in this final rule.
```

P1-T-2025-22772. GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt at 2026-11-07T15:18:10Z (response header `date: Sat, 07 Nov 2026 15:18:10 GMT`), HTTP/2 200, 12631 bytes, body SHA-256 8282161405cc14a33d75309ab55047908d21c8f18df58771a0a092ac35d955f0.
Body lines 36-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt
```
DATES: This final rule is effective January 1, 2026.
```

P1-T-2025-22773. GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt at 2026-11-07T15:18:12Z (response header `date: Sat, 07 Nov 2026 15:18:12 GMT`), HTTP/2 200, 52628 bytes, body SHA-256 98886dd86556e18808d1c6a62762f38d458fad1bb52bd14a63be51242e6a5d1a.
Body lines 40-40 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt
```
DATES: This final rule is effective January 1, 2026.
```

P1-T-2025-22813. GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt at 2026-11-07T15:18:13Z (response header `date: Sat, 07 Nov 2026 15:18:13 GMT`), HTTP/2 200, 33437 bytes, body SHA-256 cdb979f3af0e2afed4939de3ebc39e36946f05d4a6b600132e624e833a80ab75.
Body lines 53-53 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
DATES: This final rule is effective January 1, 2026.
```

P1-T-2025-22814. GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt at 2026-11-07T15:18:15Z (response header `date: Sat, 07 Nov 2026 15:18:15 GMT`), HTTP/2 200, 54254 bytes, body SHA-256 6670fe581f8a8d1f32a35a81df87510a88ddc264af285c2ad5a116bdfe61c7a0.
Body lines 52-52 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
DATES: This final rule is effective January 1, 2026.
```

P1-T-2025-22875. GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt at 2026-11-07T15:18:16Z (response header `date: Sat, 07 Nov 2026 15:18:16 GMT`), HTTP/2 200, 32348 bytes, body SHA-256 9f8b418dee2fa19e80856276663266e0f8e9d628ed35b24519452f8d078a7a4e.
Body lines 80-80 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
DATES: This final rule is effective January 1, 2026.
```

P1-T-2025-23389. GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt at 2026-11-07T15:18:18Z (response header `date: Sat, 07 Nov 2026 15:18:18 GMT`), HTTP/2 200, 9207 bytes, body SHA-256 bc820f95de9abc987f30574466f6ed6af4893c7a65703cf24c0e1c7e66d0b27f.
Body lines 58-61 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt
```
DATES: 
    Effective date: This rule is effective December 19, 2025.
    Applicability date: The rate changes for primary and secondary 
credit were applicable on December 11, 2025.
```

P1-T-2025-23390. GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23390.txt at 2026-11-07T15:18:19Z (response header `date: Sat, 07 Nov 2026 15:18:19 GMT`), HTTP/2 200, 9217 bytes, body SHA-256 afd44da4027c99cda8929ccad2148d83d2a34d1367bce3512b78932ee84963aa.
Body lines 40-43 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23390.txt
```
DATES: 
    Effective date: This rule is effective December 19, 2025.
    Applicability date: The IORB rate change was applicable on December 
11, 2025.
```

P1-T-2025-23425. GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt at 2026-11-07T15:18:21Z (response header `date: Sat, 07 Nov 2026 15:18:21 GMT`), HTTP/2 200, 55821 bytes, body SHA-256 213319646a88c1483ee20d73b8a43813ee86817caee789158f48e3e801c71198.
Body lines 45-46 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt
```
DATES: The interim final rule is effective December 19, 2025. Comments 
must be received on or before January 20, 2026.
```

P1-T-2025-23548. GET https://www.federalregister.gov/documents/full_text/text/2025/12/22/2025-23548.txt at 2026-11-07T15:18:22Z (response header `date: Sat, 07 Nov 2026 15:18:22 GMT`), HTTP/2 200, 24831 bytes, body SHA-256 61b1d664490f109a973aa0522fc1ed20a5b23be628475c6826a5071aefe25d0c.
Body lines 70-71 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/22/2025-23548.txt
```
DATES: This final rule and policy statement is effective on December 
22, 2025.
```

P1-T-2025-23837. GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt at 2026-11-07T15:18:24Z (response header `date: Sat, 07 Nov 2026 15:18:24 GMT`), HTTP/2 200, 101674 bytes, body SHA-256 ad47b86b45c9b43c897a846a6f0304995a1acba83905ec06ef4bf7f9a406ece3.
Body lines 59-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt
```
DATES: The final rule will be effective February 27, 2026.
```

P1-T-2026-00085. GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00085.txt at 2026-11-07T15:18:26Z (response header `date: Sat, 07 Nov 2026 15:18:26 GMT`), HTTP/2 200, 37435 bytes, body SHA-256 6816e84a4a39e42aad1398e052dffe5724dd2407fff82838b52608ccaa36e7f8.
Body lines 39-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00085.txt
```
DATES: This rule is effective on January 7, 2026.
```

P1-T-2026-00087. GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00087.txt at 2026-11-07T15:18:27Z (response header `date: Sat, 07 Nov 2026 15:18:27 GMT`), HTTP/2 200, 18255 bytes, body SHA-256 e1c3f9258260f82a04ca1aa00587984decec7739ab19f96cec79b0a813634dfe.
Body lines 61-61 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00087.txt
```
DATES: This rule is effective on January 7, 2026.
```

P1-T-2026-01806. GET https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt at 2026-11-07T15:18:29Z (response header `date: Sat, 07 Nov 2026 15:18:29 GMT`), HTTP/2 200, 97294 bytes, body SHA-256 54a2f0d014fcfc21db986ea53e371e261d576e82f351ed2bd3dd7ec8d742a490.
Body lines 64-67 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt
```
DATES: 
    Effective date: The amendments made in this rule are effective 
March 2, 2026.
    Compliance date: Compliance is required by April 1, 2027.
```

P1-T-2026-04088. GET https://www.federalregister.gov/documents/full_text/text/2026/03/02/2026-04088.txt at 2026-11-07T15:18:30Z (response header `date: Sat, 07 Nov 2026 15:18:30 GMT`), HTTP/2 200, 43910 bytes, body SHA-256 644286cd86037998592b4fba66df4b029c484e7cac268ec2b9def13a09305df0.
Body lines 40-40 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/02/2026-04088.txt
```
DATES: The final rule is effective on April 1, 2026.
```

P1-T-2026-04275. GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04275.txt at 2026-11-07T15:18:32Z (response header `date: Sat, 07 Nov 2026 15:18:32 GMT`), HTTP/2 200, 62750 bytes, body SHA-256 c2c0c6fecc64f3547d9e9c3c03fce85f7e4eb4599b1982c0a7d802014435fe80.
Body lines 41-41 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04275.txt
```
DATES: The final rule is effective on April 3, 2026.
```

P1-T-2026-04276. GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04276.txt at 2026-11-07T15:18:33Z (response header `date: Sat, 07 Nov 2026 15:18:33 GMT`), HTTP/2 200, 33741 bytes, body SHA-256 0abd254a5c165af8a918f73d7882f758d36f51554193e57f5d258c630df1f174.
Body lines 46-46 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04276.txt
```
DATES: The final rule is effective April 3, 2026.
```

P1-T-2026-04373. GET https://www.federalregister.gov/documents/full_text/text/2026/03/05/2026-04373.txt at 2026-11-07T15:18:35Z (response header `date: Sat, 07 Nov 2026 15:18:35 GMT`), HTTP/2 200, 8183 bytes, body SHA-256 546ee7c20e3ed77b0a087e755e861161e32a2b0c072563d4eff388931bfeb8ad.
Body lines 56-56 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/05/2026-04373.txt
```
DATES: Effective March 5, 2026.
```

P1-T-2026-05544. GET https://www.federalregister.gov/documents/full_text/text/2026/03/20/2026-05544.txt at 2026-11-07T15:18:36Z (response header `date: Sat, 07 Nov 2026 15:18:36 GMT`), HTTP/2 200, 12426 bytes, body SHA-256 f5776382a1bf631124ae9c7c5edd8beb541fd4336341105e743de0644a3e045b.
Body lines 55-55 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/20/2026-05544.txt
```
DATES: Effective March 20, 2026.
```

P1-T-2026-05652. GET https://www.federalregister.gov/documents/full_text/text/2026/03/23/2026-05652.txt at 2026-11-07T15:18:38Z (response header `date: Sat, 07 Nov 2026 15:18:38 GMT`), HTTP/2 200, 23829 bytes, body SHA-256 14a1bbf8d494f49e2d91975fa7336e8f5a3ac1f8b050c237b964429bc89e601e.
Body lines 61-61 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/23/2026-05652.txt
```
DATES: The final rule is effective April 22, 2026.
```

P1-T-2026-06281. GET https://www.federalregister.gov/documents/full_text/text/2026/04/01/2026-06281.txt at 2026-11-07T15:18:40Z (response header `date: Sat, 07 Nov 2026 15:18:40 GMT`), HTTP/2 200, 29919 bytes, body SHA-256 c4c296544c7f79902b3926650cb5950da75584eff47167c769aeec59f39b145d.
Body lines 41-41 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/01/2026-06281.txt
```
DATES: This rule is effective May 1, 2026.
```

P1-T-2026-06947. GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt at 2026-11-07T15:18:41Z (response header `date: Sat, 07 Nov 2026 15:18:41 GMT`), HTTP/2 200, 114101 bytes, body SHA-256 4fe92743932cbd74c5e84f04ed5bcac133ad1ed55486fbc7db43c041fa12fea4.
Body lines 62-62 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
DATES: The final rule is effective June 9, 2026.
```

P1-T-2026-07804. GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt at 2026-11-07T15:18:43Z (response header `date: Sat, 07 Nov 2026 15:18:43 GMT`), HTTP/2 200, 409276 bytes, body SHA-256 444186a45d2ef1e154da01c535024295d325d8217267872f31d3ceb28adb3958.
Body lines 82-82 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt
```
DATES: This final rule is effective July 21, 2026.
```

P1-T-2026-08298. GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt at 2026-11-07T15:18:44Z (response header `date: Sat, 07 Nov 2026 15:18:44 GMT`), HTTP/2 200, 137492 bytes, body SHA-256 399e0fbd9492f399c4f4ffab5c264057bcd6b837be3e2032c8109644269c98b2.
Body lines 62-62 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
DATES: The final rule is effective July 1, 2026.
```

P1-T-2026-08328. GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08328.txt at 2026-11-07T15:18:46Z (response header `date: Sat, 07 Nov 2026 15:18:46 GMT`), HTTP/2 200, 52805 bytes, body SHA-256 c477960709b1c91406956b6b32a9759b8b8ebfd70312d732e57a0c5142b7dc00.
Body lines 43-44 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08328.txt
```
DATES: The interim final rule is effective June 30, 2026. Comments on 
the interim final rule must be received on or before May 29, 2026.
```

P1-T-2026-08494. GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt at 2026-11-07T15:18:47Z (response header `date: Sat, 07 Nov 2026 15:18:47 GMT`), HTTP/2 200, 742896 bytes, body SHA-256 5b5de68fbb4e9cff00e87c16867257f518f81f729068728722135c362c7531e7.
Body lines 87-88 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt
```
DATES: This final rule is effective on June 30, 2026. The compliance 
date for the rule is January 1, 2028.
```

P1-T-2026-10037. GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt at 2026-11-07T15:18:49Z (response header `date: Sat, 07 Nov 2026 15:18:49 GMT`), HTTP/2 200, 83118 bytes, body SHA-256 16470c79a3dd6aa8f28cb2bc965b6e800a81f15c7a4ec6da5ad681b39e1e7ef0.
Body lines 96-96 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt
```
DATES: This final rule is effective on June 18, 2026.
```

P1-T-2026-11044. GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt at 2026-11-07T15:18:50Z (response header `date: Sat, 07 Nov 2026 15:18:51 GMT`), HTTP/2 200, 9813 bytes, body SHA-256 e77340f89fd43bfa7a9176b80b9cfc9c285fc8138d0712358c18395acf7757a4.
Body lines 36-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
DATES: Effective on June 3, 2026.
```

P1-T-2026-12149. GET https://www.federalregister.gov/documents/full_text/text/2026/06/17/2026-12149.txt at 2026-11-07T15:18:52Z (response header `date: Sat, 07 Nov 2026 15:18:52 GMT`), HTTP/2 200, 16416 bytes, body SHA-256 faad5985076344616344b6a6918aacb685ffb0636c1bc0cc9f390e2319724461.
Body lines 37-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/17/2026-12149.txt
```
DATES: The advisory opinion is rescinded on June 17, 2026.
```

P1-T-2026-12787. GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt at 2026-11-07T15:18:54Z (response header `date: Sat, 07 Nov 2026 15:18:54 GMT`), HTTP/2 200, 197066 bytes, body SHA-256 5ec8e222fec5661c2d6d3abdfacffc3dd6d8f28c2e7da68fc5f381f12e2c5661.
Body lines 105-107 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
DATES: Effective date: The joint rule is effective on October 1, 2026. 
At the effective date, the joint rule will not change any reporting 
requirements without further action by the agencies.
```

P1-T-C1-2026-10036. GET https://www.federalregister.gov/documents/full_text/text/2026/06/29/C1-2026-10036.txt at 2026-11-07T15:18:57Z (response header `date: Sat, 07 Nov 2026 15:18:57 GMT`), HTTP/2 200, 1607 bytes, body SHA-256 3e813e5076f54a84f96382e917fda8e94f948501ce12ebac6d52d7cd3be5adf9.
Body lines 48-52 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/29/C1-2026-10036.txt
```
    In rule document 2026-10036 beginning on page 29340 in the issue of 
Tuesday, May 19, 2026, make the following correction:
    On page 29340, in the first column, the heading should read as set 
forth above.

```

### Pull 2: 4 list requests and 0 rule-text request(s), each with its UTC time, HTTP status and HTTP Date header

P2-L1. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:30Z (response header `date: Sun, 08 Nov 2026 15:27:30 GMT`), HTTP/2 200, 41364 bytes, body SHA-256 d4e30673190b6e7e249d35ea05536cc9f631bdd972cd11b755a218a1bc4f55a2.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Consumer Financial Protection Bureau, and of type Rule",
  "count": 28,
  "total_pages": 1,
  "results": [
```

P2-L2. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=comptroller-of-the-currency&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:32Z (response header `date: Sun, 08 Nov 2026 15:27:33 GMT`), HTTP/2 200, 32665 bytes, body SHA-256 1672c6f7b014b338f6eac0fb93764bb6116f3069b6aec926906304f8ab22c2e3.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Comptroller of the Currency, and of type Rule",
  "count": 15,
  "total_pages": 1,
  "results": [
```

P2-L3. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-deposit-insurance-corporation&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:35Z (response header `date: Sun, 08 Nov 2026 15:27:35 GMT`), HTTP/2 200, 31250 bytes, body SHA-256 302c9df26cf0927dc784125ceeed10d940b7554f02ab3776baf7270687a69025.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Deposit Insurance Corporation, and of type Rule",
  "count": 14,
  "total_pages": 1,
  "results": [
```

P2-L4. GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-reserve-system&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract at 2026-11-08T15:27:37Z (response header `date: Sun, 08 Nov 2026 15:27:37 GMT`), HTTP/2 200, 38613 bytes, body SHA-256 cf842836cee9ded5987b11cf91e0c718d0d87b5d4c6cda4457bdc29172d4df4d.
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Reserve System, and of type Rule",
  "count": 21,
  "total_pages": 1,
  "results": [
```

Rule texts read in full in pull 2: none (no document is new or changed; Changes section, list level).

Observation only; public sources only; no contact with anyone.

## ACCEPTANCE self-check

1. [x] The report states the count each agency request returned, each in a raw excerpt, and says how many joint rules were merged.
   Pull 1: CFPB 28, OCC 15, FDIC 14, Federal Reserve 21 = 78 memberships, 64 distinct documents, 14 merged (8 joint rules). Pull 2: CFPB 28, OCC 15, FDIC 14, Federal Reserve 21 = 78 memberships, 64 distinct documents, 14 merged (8 joint rules). The count excerpts of the pull 2 responses follow (pull 1's are under P1-L1 to P1-L4).
First 5 lines of the P2-L1 response (CFPB), pretty-printed with 2-space indentation (whitespace only), GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=consumer-financial-protection-bureau&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Consumer Financial Protection Bureau, and of type Rule",
  "count": 28,
  "total_pages": 1,
  "results": [
```
First 5 lines of the P2-L2 response (OCC), pretty-printed with 2-space indentation (whitespace only), GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=comptroller-of-the-currency&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Comptroller of the Currency, and of type Rule",
  "count": 15,
  "total_pages": 1,
  "results": [
```
First 5 lines of the P2-L3 response (FDIC), pretty-printed with 2-space indentation (whitespace only), GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-deposit-insurance-corporation&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Deposit Insurance Corporation, and of type Rule",
  "count": 14,
  "total_pages": 1,
  "results": [
```
First 5 lines of the P2-L4 response (Federal Reserve), pretty-printed with 2-space indentation (whitespace only), GET https://www.federalregister.gov/api/v1/documents.json?conditions%5Bagencies%5D%5B%5D=federal-reserve-system&conditions%5Btype%5D%5B%5D=RULE&conditions%5Bpublication_date%5D%5Bgte%5D=2025-01-01&conditions%5Bpublication_date%5D%5Blte%5D=2026-06-30&per_page=100&page=1&fields%5B%5D=document_number&fields%5B%5D=agencies&fields%5B%5D=publication_date&fields%5B%5D=title&fields%5B%5D=effective_on&fields%5B%5D=dates&fields%5B%5D=cfr_references&fields%5B%5D=action&fields%5B%5D=raw_text_url&fields%5B%5D=correction_of&fields%5B%5D=abstract
```
{
  "description": "Documents published from 01/01/2025 to 06/30/2026, from Federal Reserve System, and of type Rule",
  "count": 21,
  "total_pages": 1,
  "results": [
```
2. [x] Both CSV files are attached with exactly the listed columns, one row per rule in the window.
   bank-rules-pull1.csv: 64 rows, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3; bank-rules-pull2.csv: 64 rows, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3. Header line of both files: `document_number,agencies,publication_date,title,effective date,compliance date,cfr parts,who must comply`. One row per distinct document_number of the window (publication_date 2025-01-01 to 2026-06-30), never split; empty source values stay empty cells.
3. [x] Each rule's effective date and compliance date (or "none stated") are backed by a raw excerpt of the rule text.
   All 64 rules have a P1-T-<document_number> entry in PROOF: the text request with its UTC time and Date header, and directly under it the raw DATES lines (for the two small business lending rules also the raw compliance tier table; for a correction notice the raw correction paragraph). The rules table prints "none stated" where a rule states no compliance date. Pull 2 changed no document, so these excerpts back both CSV files.
4. [x] Each rule lists the CFR parts it amends and who must comply, with any asset threshold, as the rule text states them.
   How to read it: the rules table (columns CFR and who must comply) and both CSV files (columns `cfr parts` and `who must comply`) hold the same values. Below, for each of the 64 rules in table order, one numbered entry gives the two values first, and directly under them raw excerpts of that rule's own text, from its pull 1 response P1-T-<document_number> in PROOF (pull 2 changed no document): (a) the CFR heading the rule text prints under its agency name; (b) the amendatory instruction with the PART heading of each part it amends; (c) the sentences that say who must comply, with the asset threshold or size test where the rule has one.
   - 51 rules have an amendatory instruction. In all 51 the parts it amends are exactly the parts in the CSV cell (2026-11044 since its revision 2 correction). In two of those the source misprints one part number, and the entry quotes the lines that settle it: 2025-08640 (its PART heading prints 1882; the instruction under it removes and reserves part 1082) and 2026-08328 (its instruction line says part 12; its PART heading and authority citation name part 7).
   - 13 rules have no amendatory instruction and change no CFR text (they withdraw guidance, rescind an advisory opinion, interpretive rule or policy statement, announce penalty amounts, grant an order, delay a compliance date, interpret a statute or correct a preamble): 2025-00374, 2025-00381, C1-2024-30824, 2025-03790, 2025-06748, 2025-08286, 2025-08641, 2025-12493, 2025-13665, 2025-19671, 2025-21461, 2026-12149, C1-2026-10036. Their CSV cell is the CFR part the rule text names in its heading, quoted under (a).
   - 2026-11044 corrects 12 CFR parts 303 and 337, while its CFR heading (and the list response's cfr_references) names Part 337 only. Revision 2 corrected its cell in both CSV files and in the rules table to 12 CFR 303; 12 CFR 337 (its entry below).

4.1. 2025-00167 (lists: CFPB). CFR parts it amends: 12 CFR 1083 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Persons subject to CFPB civil penalties (12 CFR 1083); no institution filing.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-00167 response (pull 1, 2026-11-07T15:17:20Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1083
```
(b) Amended part, amendatory instruction and PART heading: body lines 302-305 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt
```
    For the reasons set forth in the preamble, the CFPB amends 12 CFR 
part 1083, as set forth below:

PART 1083--CIVIL PENALTY ADJUSTMENTS
```
(c) Who must comply, as the rule text states it: body lines 49-57 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt
```
SUMMARY: The Consumer Financial Protection Bureau (CFPB) is adjusting 
for inflation the maximum amount of each civil penalty within the 
CFPB's jurisdiction. These adjustments are required by the Federal 
Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment 
Act), as amended by the Debt Collection Improvement Act of 1996 and 
further amended by the Federal Civil Penalties Inflation Adjustment Act 
Improvements Act of 2015. The inflation adjustments mandated by the 
Inflation Adjustment Act serve to maintain the deterrent effect of 
civil penalties and to promote compliance with the law.
```
(c) Who must comply, as the rule text states it, continued: body lines 276-279 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/08/2025-00167.txt
```
    In accordance with the Paperwork Reduction Act of 1995,\23\ the 
CFPB reviewed this final rule. The CFPB has determined that this rule 
does not create any new information collections or substantially revise 
any existing collections.
```

4.2. 2024-30628 (lists: CFPB). CFR parts it amends: 12 CFR 1026 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Creditors that offer Property Assessed Clean Energy (PACE) financing (Regulation Z, TILA).
(a) CFR heading of the rule text: body lines 59-61 of the P1-T-2024-30628 response (pull 1, 2026-11-07T15:17:17Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) Amended part, amendatory instruction and PART heading: body lines 9204-9207 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt
```
    For the reasons set forth in the preamble, the CFPB amends 
Regulation Z, 12 CFR part 1026, as follows:

PART 1026--TRUTH IN LENDING ACT (REGULATION Z)
```
(c) Who must comply, as the rule text states it: body lines 76-85 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt
```
SUMMARY: Section 307 of the Economic Growth, Regulatory Relief, and 
Consumer Protection Act (EGRRCPA) directs the Consumer Financial 
Protection Bureau (CFPB or Bureau) to prescribe ability-to-repay rules 
for Property Assessed Clean Energy (PACE) financing and to apply the 
civil liability provisions of the Truth in Lending Act (TILA) for 
violations. PACE financing is financing to cover the costs of home 
improvements that results in a tax assessment on the real property of 
the consumer. In this final rule, the CFPB implements EGRRCPA section 
307 and amends Regulation Z to address how TILA applies to PACE 
transactions.
```
(c) Who must comply, as the rule text states it, continued: body lines 187-194 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2024-30628.txt
```
    <bullet> Applies Regulation Z's ability-to-repay requirements in 
Sec.  1026.43 to PACE transactions with a number of adjustments to 
account for the unique nature of PACE financing, including requiring 
PACE creditors to consider certain monthly payments that they know or 
have reason to know the consumer will have to pay into the consumer's 
escrow account as an additional factor when making a repayment ability 
determination for PACE transactions extended to consumers who pay their 
property taxes through an escrow account on their existing mortgage.
```

4.3. 2025-00374 (lists: OCC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 19; 12 CFR 109 (CSV `cfr parts`). Who must comply (CSV `who must comply`): Institutions and persons subject to OCC civil money penalties.
(a) CFR heading of the rule text: body lines 16-20 of the P1-T-2025-00374 response (pull 1, 2026-11-07T15:17:22Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2025-00374.txt
```
DEPARTMENT OF THE TREASURY

 Comptroller of the Currency

12 CFR Parts 19 and 109
```
(b) No amendatory instruction: no line of the P1-T-2025-00374 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 340 lines, SHA-256 088a961adad9a89ca0b297808b1b3a7f30f04657cce267bd2a3e9716359b6323). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 31-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/10/2025-00374.txt
```
SUMMARY: This document announces changes to the Office of the 
Comptroller of the Currency's (OCC) maximum civil money penalties as 
adjusted for inflation. The inflation adjustments are required to 
implement the Federal Civil Penalties Inflation Adjustment Act of 1990, 
as amended by the Federal Civil Penalties Inflation Adjustment Act 
Improvements Act of 2015.
```

4.4. 2025-00419 (lists: Federal Reserve). CFR parts it amends: 12 CFR 263 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Persons subject to Federal Reserve Board civil money penalties.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-00419 response (pull 1, 2026-11-07T15:17:25Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/13/2025-00419.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 263
```
(b) Amended part, amendatory instruction and PART heading: body lines 147-150 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/13/2025-00419.txt
```
    For the reasons set forth in the preamble, the Board amends 12 CFR 
part 263 as follows:

PART 263--RULES OF PRACTICE FOR HEARINGS
```
(c) Who must comply, as the rule text states it: body lines 52-57 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/13/2025-00419.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System (the 
``Board'') is issuing a final rule amending its rules of practice and 
procedure to adjust the amount of each civil money penalty (``CMP'') 
provided by law within its jurisdiction to account for inflation as 
required by the Federal Civil Penalties Inflation Adjustment Act 
Improvements Act of 2015.
```

4.5. 2024-30824 (lists: CFPB). CFR parts it amends: 12 CFR 1022 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Creditors and consumer reporting agencies (Regulation V).
(a) CFR heading of the rule text: body lines 59-61 of the P1-T-2024-30824 response (pull 1, 2026-11-07T15:17:19Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/14/2024-30824.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1022
```
(b) Amended part, amendatory instruction and PART heading: body lines 12426-12429 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/14/2024-30824.txt
```
    For the reasons set forth in the preamble, the CFPB amends 
Regulation V, 12 CFR part 1022, as set forth below:

PART 1022--FAIR CREDIT REPORTING (REGULATION V)
```
(c) Who must comply, as the rule text states it: body lines 76-85 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/14/2024-30824.txt
```
SUMMARY: 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.
```

4.6. 2025-00381 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 1026 (CSV `cfr parts`). Who must comply (CSV `who must comply`): Providers of "earned wage" products (Truth in Lending Act, Regulation Z).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-00381 response (pull 1, 2026-11-07T15:17:23Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00381.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) No amendatory instruction: no line of the P1-T-2025-00381 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 386 lines, SHA-256 9c4d055ea9c59dbc723192aa6720bb682c5693c798d8f79abecd3d42c958bc2c). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 32-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00381.txt
```
SUMMARY: The Consumer Financial Protection Bureau (CFPB) is issuing 
this advisory opinion to rescind an advisory opinion it issued in 
November 2020 that described how one particular type of ``earned wage'' 
product does not involve the offering or extension of ``credit'' as 
that term is defined in the Truth in Lending Act and Regulation Z.
```

4.7. 2025-00429 (lists: Federal Reserve). CFR parts it amends: 12 CFR 201 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Banks and depository institutions that borrow from them (Regulation A).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-00429 response (pull 1, 2026-11-07T15:17:27Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 201
```
(b) Amended part, amendatory instruction and PART heading: body lines 157-161 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt
```
    For the reasons set forth in the preamble, the Board is amending 12 
CFR chapter II as follows:

PART 201--EXTENSIONS OF CREDIT BY FEDERAL RESERVE BANKS (REGULATION 
A)
```
(c) Who must comply, as the rule text states it: body lines 31-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation A to reflect 
the Board's approval of a decrease in the rate for primary credit at 
each Federal Reserve Bank. The secondary credit rate at each Reserve 
Bank automatically decreased by formula as a result of the Board's 
primary credit rate action.
```
(c) Who must comply, as the rule text states it, continued: body lines 52-57 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00429.txt
```
SUPPLEMENTARY INFORMATION: The Federal Reserve Banks make primary and 
secondary credit available to depository institutions as a backup 
source of funding on a short-term basis, usually overnight. The primary 
and secondary credit rates are the interest rates that the twelve 
Federal Reserve Banks charge for extensions of credit under these 
programs. In accordance with the Federal Reserve Act, the primary and 
```

4.8. 2025-00430 (lists: Federal Reserve). CFR parts it amends: 12 CFR 204 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-00430 response (pull 1, 2026-11-07T15:17:28Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00430.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 204
```
(b) Amended part, amendatory instruction and PART heading: body lines 182-186 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00430.txt
```
    For the reasons set forth in the preamble, the Board amends 12 CFR 
part 204 as follows:

PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS 
(REGULATION D)
```
(c) Who must comply, as the rule text states it: body lines 30-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/15/2025-00430.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation D to revise 
the rate of interest paid on balances (``IORB'') maintained at Federal 
Reserve Banks by or on behalf of eligible institutions. The final 
amendments specify that IORB is 4.4 percent, a 0.25 percentage point 
decrease from its prior level. The amendment is intended to enhance the 
role of IORB in maintaining the federal funds rate in the target range 
established by the Federal Open Market Committee (``FOMC'' or 
``Committee'').
```

4.9. C1-2024-30824 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 1022 (CSV `cfr parts`). Who must comply (CSV `who must comply`): None (correction document).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-C1-2024-30824 response (pull 1, 2026-11-07T15:18:55Z), GET https://www.federalregister.gov/documents/full_text/text/2025/01/27/C1-2024-30824.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1022
```
(b) No amendatory instruction: no line of the P1-T-C1-2024-30824 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 59 lines, SHA-256 026f02c701dc4aff9f7fcf019a523e9b7c8219c911dee987e85aef7f1dcc47fe). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 49-52 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/01/27/C1-2024-30824.txt
```
    In rule document 2024-30824, appearing on pages 3276-3374 in the 
issue of Tuesday, January 14, 2025, make the following correction:
    On page 3276, in the first column, in the DATES section, ``March 
17, 2024'' should read ``March 17, 2025''.
```

4.10. 2025-03790 (lists: FDIC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 328 (CSV `cfr parts`). Who must comply (CSV `who must comply`): FDIC-insured depository institutions (IDIs), for 12 CFR 328.4 and 328.5.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-03790 response (pull 1, 2026-11-07T15:17:30Z), GET https://www.federalregister.gov/documents/full_text/text/2025/03/11/2025-03790.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 328
```
(b) No amendatory instruction: no line of the P1-T-2025-03790 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 123 lines, SHA-256 deb00f7ec72b3971bbc14c50c574b140d63ce7f676ebed7e979d10759cf07cb4). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 33-49 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/03/11/2025-03790.txt
```
SUMMARY: On December 20, 2023, the FDIC adopted a final rule that, 
among other things, amended the FDIC's sign and advertisement of 
membership requirements for insured depository institutions (IDIs). The 
amendments made by the final rule took effect on April 1, 2024; 
however, full compliance with the amendments was delayed to January 1, 
2025. On October 22, 2024, full compliance with the amendments to the 
sign and advertisement of membership requirements contained in the 
final rule was delayed to May 1, 2025. The FDIC is further postponing 
the compliance date for the requirement to display the FDIC official 
digital sign on an IDI's digital channels, as well as on the screen of 
an IDI's automated teller machine (ATM) and like devices, to March 1, 
2026. During this time, the FDIC will continue to review the feedback 
received regarding implementation issues and potential consumer 
confusion that may result from requirements related to the display of 
the digital sign. After completing its review, the FDIC expects to 
propose changes to the regulation to address implementation concerns 
and potential sources of confusion.
```
(c) Who must comply, as the rule text states it, continued: body lines 51-53 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/03/11/2025-03790.txt
```
DATES: The compliance date for 12 CFR 328.4 and 328.5, which was 
initially delayed at 89 FR 84261 (October 22, 2024), is further delayed 
to March 1, 2026.
```

4.11. 2025-06748 (lists: FDIC, Federal Reserve, OCC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 34; 12 CFR 225; 12 CFR 323; 12 CFR 722; 12 CFR 741 (CSV `cfr parts`). Who must comply (CSV `who must comply`): Institutions making real estate-related financial transactions in Los Angeles County, California, under the agencies appraisal rules.
(a) CFR heading of the rule text: body lines 36-58 of the P1-T-2025-06748 response (pull 1, 2026-11-07T15:17:32Z), GET https://www.federalregister.gov/documents/full_text/text/2025/04/18/2025-06748.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 34

[Docket ID OCC-2025-0003]

FEDERAL RESERVE SYSTEM

12 CFR Part 225

[Docket No. OP-1864]

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 323

RIN 3064-ZA46

NATIONAL CREDIT UNION ADMINISTRATION

12 CFR Parts 722 and 741
```
(b) No amendatory instruction: no line of the P1-T-2025-06748 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 262 lines, SHA-256 87ba2da2da8489ae7e0721c495c47b2eae3afe66385df6a4e077cadf15842ce3). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 76-89 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/04/18/2025-06748.txt
```
SUMMARY: The Depository Institutions Disaster Relief Act of 1992 
(DIDRA) authorizes the agencies to make exceptions to statutory and 
regulatory appraisal requirements under Title XI of the Financial 
Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) 
relating to transactions involving real property located within an area 
in a State or territory declared to be a major disaster by the 
President. In this statement and order, the agencies exercise their 
authority to grant temporary exceptions to the FIRREA appraisal 
requirements for real estate-related financial transactions, provided 
certain criteria are met, in Los Angeles County, California following 
the major disaster declared by the President as a result of wildfires 
and straight-line winds. The expiration date for the exceptions is 
January 8, 2028, which is 3 years after the date the President declared 
the major disaster.
```

4.12. 2025-08286 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR Chapter X (CSV `cfr parts`). Who must comply (CSV `who must comply`): None stated (CFPB withdraws guidance documents).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-08286 response (pull 1, 2026-11-07T15:17:33Z), GET https://www.federalregister.gov/documents/full_text/text/2025/05/12/2025-08286.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Chapter X
```
(b) No amendatory instruction: no line of the P1-T-2025-08286 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 365 lines, SHA-256 004541964d781c19e7a30fb76e71ebd8ac224cc59be527ceb84441bc45a0f8e0). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 31-33 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/12/2025-08286.txt
```
SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is 
withdrawing many guidance documents issued since the CFPB assumed its 
functions in 2011.
```
No one is named as having to comply: the words `must comply` and `required to comply` do not occur in this response (SHA-256 004541964d781c19e7a30fb76e71ebd8ac224cc59be527ceb84441bc45a0f8e0); the rule withdraws guidance documents (excerpt above).

4.13. 2025-08405 (lists: OCC). CFR parts it amends: 12 CFR 5 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Applicants filing Bank Merger Act applications with the OCC.
(a) CFR heading of the rule text: body lines 36-40 of the P1-T-2025-08405 response (pull 1, 2026-11-07T15:17:35Z), GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08405.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 5
```
(b) Amended part, amendatory instruction and PART heading: body lines 584-587 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08405.txt
```
    For the reasons set forth in the preamble, the OCC amends chapter I 
of title 12 of the Code of Federal Regulations as follows:

PART 5--RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES
```
(c) Who must comply, as the rule text states it: body lines 54-58 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08405.txt
```
SUMMARY: The OCC is adopting an interim final rule to restore the 
streamlined application and expedited review to its procedures for 
reviewing applications under the Bank Merger Act and rescinding a 
policy statement that summarized the OCC's review of proposed bank 
merger transactions under the Bank Merger Act.
```

4.14. 2025-08641 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR Chapter X (CSV `cfr parts`). Who must comply (CSV `who must comply`): State officials and entities affected by the 2022 interpretive rule on State enforcement of the Consumer Financial Protection Act.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-08641 response (pull 1, 2026-11-07T15:17:38Z), GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08641.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Chapter X
```
(b) No amendatory instruction: no line of the P1-T-2025-08641 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 219 lines, SHA-256 5630d1ee868313a0b54944d52144496f5b8c09ef65cf212115dd065d688e3b6a). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 30-33 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/15/2025-08641.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau or CFPB) is 
rescinding its May 2022 interpretive rule regarding the scope of State 
enforcement under section 1042 of the Consumer Financial Protection Act 
of 2010 (CFPA) and related provisions.
```

4.15. 2025-08643 (lists: CFPB). CFR parts it amends: 12 CFR 1024 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Mortgage servicers covered by Regulation X (RESPA).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-08643 response (pull 1, 2026-11-07T15:17:40Z), GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1024
```
(b) Amended part, amendatory instruction and PART heading: body lines 145-148 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt
```
    For the reasons set forth in the preamble, the Bureau amends 
Regulation X, 12 CFR part 1024, as set forth below:

PART 1024--REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)
```
(c) Who must comply, as the rule text states it: body lines 34-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt
```
SUMMARY: This interim final rule (IFR) rescinds the final rule 
``Protections for Borrowers Affected by the COVID-19 Emergency Under 
the Real Estate Settlement Procedures Act (RESPA), Regulation X.''
```
(c) Who must comply, as the rule text states it, continued: body lines 81-88 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/16/2025-08643.txt
```
    First, the 2021 COVID RESPA Rule adopted temporary procedural 
safeguards related to mortgage foreclosure, temporarily permitted 
mortgage servicers to offer certain loan modifications made available 
to borrowers experiencing a COVID-19 related hardship, and finalized 
certain temporary amendments to Regulation X related to the COVID-19 
pandemic. The rule stated that the temporary procedural safeguards do 
not apply if a servicer makes the first notice or filing required by 
applicable law for any judicial or non-judicial foreclosure process on 
```

4.16. 2025-08640 (lists: CFPB). CFR parts it amends: 12 CFR 1082 (CSV `cfr parts`); the rule removes and reserves that part. Who must comply (CSV `who must comply`): State officials who enforce the Consumer Financial Protection Act.
(a) CFR heading of the rule text: body lines 19-21 of the P1-T-2025-08640 response (pull 1, 2026-11-07T15:17:37Z), GET https://www.federalregister.gov/documents/full_text/text/2025/05/21/2025-08640.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1082
```
(b) Amended part, amendatory instruction and PART heading: body lines 178-182 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/21/2025-08640.txt
```
PART 1882--[REMOVED AND RESERVED]

0
For the reasons set forth above, under the authority of 12 U.S.C. 
5552(c), the Bureau is removing and reserving 12 CFR part 1082.
```
The PART heading prints `PART 1882`; the instruction under it, quoted in the same block, removes and reserves 12 CFR part 1082, the part the CFR heading (a) names. So the part this rule removes is 12 CFR part 1082.
(c) Who must comply, as the rule text states it: body lines 35-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/05/21/2025-08640.txt
```
SUMMARY: This direct final rule rescinds the Consumer Financial 
Protection Bureau's (Bureau's) procedures by which a State official 
must notify the Bureau when the official takes an action to enforce the 
Consumer Financial Protection Act.
```

4.17. 2025-11241 (lists: CFPB). CFR parts it amends: 12 CFR 1074 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): CFPB (procedural rule).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-11241 response (pull 1, 2026-11-07T15:17:41Z), GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11241.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1074
```
(b) Amended part, amendatory instruction and PART heading: body lines 176-179 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11241.txt
```
    For the reasons set forth in the preamble, the Bureau amends 12 CFR 
part 1074 as follows:

PART 1074--RULEMAKING AND GUIDANCE
```
(c) Who must comply, as the rule text states it: body lines 28-31 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11241.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau or CFPB) is 
adopting a procedural rule (Final Rule) that rescinds its rule 
specifying how the Bureau issues rules and when rules are considered 
issued.
```

4.18. 2025-11244 (lists: CFPB). CFR parts it amends: 12 CFR 1002 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Covered financial institutions under the Regulation B small business lending rule (Tier 1 highest volume, Tier 2 moderate, Tier 3 smallest).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-11244 response (pull 1, 2026-11-07T15:17:43Z), GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1002
```
(b) Amended part, amendatory instruction and PART heading: body lines 841-844 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
    For the reasons set forth in the preamble, the CFPB amends 
Regulation B, 12 CFR part 1002, as follows:

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)
```
(c) Who must comply, as the rule text states it: body lines 157-166 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
                                 Table 1--Compliance Dates and Filing Deadlines
----------------------------------------------------------------------------------------------------------------
                                       Original       Revised compliance
                                  compliance date in   date in the 2024     New compliance     New first filing
         Compliance tier            the 2023 final      interim  final           date              deadline
                                         rule                rule
----------------------------------------------------------------------------------------------------------------
Highest volume lenders (Tier 1).  October 1, 2024...  July 18, 2025.....  July 1, 2026......  June 1, 2027.
Moderate volume lenders (Tier 2)  April 1, 2025.....  January 16, 2026..  January 1, 2027...  June 1, 2028.
Smallest volume lenders (Tier 3)  January 1, 2026...  October 18, 2026..  October 1, 2027...  June 1, 2028.
```
(c) Who must comply, as the rule text states it, continued: body lines 258-275 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/06/18/2025-11244.txt
```
    The 2023 final rule's compliance dates, as amended by the 2024 
interim final rule, are set forth in Sec.  1002.114(b). That section 
looks to a financial institution's volume of covered credit 
transactions for small businesses in each of calendar years 2022 and 
2023, or 2023 and 2024, to determine the applicable compliance date. 
The 2023 final rule, as amended by the 2024 interim final rule, 
provided that covered financial institutions that originated at

[[Page 25876]]

least 2,500 covered transactions in both years were required to comply 
with the requirements of the 2023 final rule beginning July 18, 2025 
(sometimes referred to as Tier 1 institutions). Covered financial 
institutions not in Tier 1 that originated at least 500 covered 
transactions in both years were required to comply beginning January 
16, 2026 (Tier 2), and covered financial institutions not in Tier 1 or 
Tier 2 that originated at least 100 covered transactions in both years 
were required to comply beginning October 18, 2027 (Tier 3). The rule 
```

4.19. 2025-12493 (lists: FDIC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 303 (CSV `cfr parts`). Who must comply (CSV `who must comply`): Insured depository institutions in merger transactions reviewed by the FDIC.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-12493 response (pull 1, 2026-11-07T15:17:44Z), GET https://www.federalregister.gov/documents/full_text/text/2025/07/03/2025-12493.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 303
```
(b) No amendatory instruction: no line of the P1-T-2025-12493 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 692 lines, SHA-256 e4efc3561f179510c30cfdcd40f77be06970dd1954e0014078eaf5d4bc9da191). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 51-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/07/03/2025-12493.txt
```
SUMMARY: The FDIC is taking final action to rescind the Statement of 
Policy on Bank Merger Transactions published in 2024 (2024 Statement of 
Policy) and reinstate its Statement of Policy on Bank Merger 
Transactions that was in effect prior to the 2024 Statement of Policy 
(Bank Merger Statement of Policy). The reinstated Bank Merger Statement 
of Policy will remain in effect pending the FDIC's review of all 
aspects of the regulatory framework governing the FDIC's review of 
merger transactions in connection with a future proposal to 
comprehensively revise its merger policy.
```

4.20. 2025-13665 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 1082 (CSV `cfr parts`). Who must comply (CSV `who must comply`): State officials who enforce the Consumer Financial Protection Act.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-13665 response (pull 1, 2026-11-07T15:17:46Z), GET https://www.federalregister.gov/documents/full_text/text/2025/07/21/2025-13665.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1082
```
(b) No amendatory instruction: no line of the P1-T-2025-13665 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 64 lines, SHA-256 8bf6067487a77cd1b30d3bfe5e904fd8d9a7df987c3c5aaafc9c7e9ac5558341). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 32-36 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/07/21/2025-13665.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is 
withdrawing a previously published direct final rule that would have 
rescinded procedures by which a State official must notify the Bureau 
when the official takes an action to enforce the Consumer Financial 
Protection Act.
```

4.21. 2025-18622 (lists: CFPB). CFR parts it amends: 12 CFR 1091 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Nonbank entities subject to CFPB supervisory designation proceedings.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-18622 response (pull 1, 2026-11-07T15:17:48Z), GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1091
```
(b) Amended part, amendatory instruction and PART heading: body lines 734-738 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt
```
0
As discussed above, the Bureau revises 12 CFR part 1091 to read as 
follows:

PART 1091--PROCEDURES FOR SUPERVISORY DESIGNATION PROCEEDINGS
```
(c) Who must comply, as the rule text states it: body lines 32-35 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt
```
SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is 
rescinding the amendments it adopted in April 2022, November 2022, and 
April 2024, to the Procedures for Supervisory Designation Proceedings, 
with the exception of some limited process adjustments.
```
(c) Who must comply, as the rule text states it, continued: body lines 118-121 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/09/25/2025-18622.txt
```
    Section 1024(b)(7) of the CFPA authorizes the CFPB to ``prescribe 
rules to facilitate supervision'' of the nonbank covered persons 
described in section 1024(a), as well as to facilitate ``assessment and 
detection of risks to consumers.'' \6\ Additionally, section 1022(b)(1) 
```

4.22. 2025-19303 (lists: Federal Reserve). CFR parts it amends: 12 CFR 201 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Banks and depository institutions that borrow from them (Regulation A).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-19303 response (pull 1, 2026-11-07T15:17:49Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 201
```
(b) Amended part, amendatory instruction and PART heading: body lines 158-162 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt
```
    For the reasons set forth in the preamble, the Board is amending 12 
CFR chapter II as follows:

PART 201--EXTENSIONS OF CREDIT BY FEDERAL RESERVE BANKS (REGULATION 
A)
```
(c) Who must comply, as the rule text states it: body lines 32-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation A to reflect 
the Board's approval of a decrease in the rate for primary credit at 
each Federal Reserve Bank. The secondary credit rate at each Reserve 
Bank automatically decreased by formula as a result of the Board's 
primary credit rate action.
```
(c) Who must comply, as the rule text states it, continued: body lines 53-58 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19303.txt
```
SUPPLEMENTARY INFORMATION: The Federal Reserve Banks make primary and 
secondary credit available to depository institutions as a backup 
source of funding on a short-term basis, usually overnight. The primary 
and secondary credit rates are the interest rates that the twelve 
Federal Reserve Banks charge for extensions of credit under these 
programs. In accordance with the Federal Reserve Act, the primary and 
```

4.23. 2025-19304 (lists: Federal Reserve). CFR parts it amends: 12 CFR 204 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-19304 response (pull 1, 2026-11-07T15:17:51Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19304.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 204
```
(b) Amended part, amendatory instruction and PART heading: body lines 182-186 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19304.txt
```
    For the reasons set forth in the preamble, the Board amends 12 CFR 
part 204 as follows:

PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS 
(REGULATION D)
```
(c) Who must comply, as the rule text states it: body lines 31-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19304.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation D to revise 
the rate of interest paid on balances (``IORB'') maintained at Federal 
Reserve Banks by or on behalf of eligible institutions. The final 
amendments specify that IORB is 4.15 percent, a 0.25 percentage point 
decrease from its prior level. The amendment is intended to enhance the 
role of IORB in maintaining the federal funds rate in the target range 
established by the Federal Open Market Committee (``FOMC'' or 
``Committee'').
```

4.24. 2025-19370 (lists: CFPB). CFR parts it amends: 12 CFR 1002 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Covered financial institutions under the Regulation B small business lending rule (Tier 1, Tier 2, Tier 3).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-19370 response (pull 1, 2026-11-07T15:17:53Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1002
```
(b) Amended part, amendatory instruction and PART heading: body lines 753-756 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
    For the reasons set forth in the preamble, the CFPB amends 
Regulation B, 12 CFR part 1002, as follows:

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)
```
(c) Who must comply, as the rule text states it: body lines 147-156 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
                                 Table 1--Compliance Dates and Filing Deadlines
----------------------------------------------------------------------------------------------------------------
                                       Original       Revised compliance
                                  compliance date in   date in the 2024     New compliance     New first filing
         Compliance tier            the 2023 final      interim  final           date              deadline
                                         rule                rule
----------------------------------------------------------------------------------------------------------------
Highest volume lenders (Tier 1).  October 1, 2024...  July 18, 2025.....  July 1, 2026......  June 1, 2027.
Moderate volume lenders (Tier 2)  April 1, 2025.....  January 16, 2026..  January 1, 2027...  June 1, 2028.
Smallest volume lenders (Tier 3)  January 1, 2026...  October 18, 2026..  October 1, 2027...  June 1, 2028.
```
(c) Who must comply, as the rule text states it, continued: body lines 217-226 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/02/2025-19370.txt
```
compliance date. Under the 2024 interim final rule, covered financial 
institutions that originated at least 2,500 covered transactions in 
both years were required to comply with the requirements of the 2023 
final rule beginning July 18, 2025 (sometimes referred to as Tier 1 
institutions). Covered financial institutions not in Tier 1 that 
originated at least 500 covered transactions in both years had a 
compliance date of January 16, 2026 (Tier 2), and covered financial 
institutions not in Tier 1 or Tier 2 that originated at least 100 
covered transactions in both years had a compliance date of October 18, 
2027 (Tier 3).
```

4.25. 2025-19671 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 1022 (CSV `cfr parts`). Who must comply (CSV `who must comply`): Parties subject to the Fair Credit Reporting Act and State credit-reporting laws.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-19671 response (pull 1, 2026-11-07T15:17:54Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/28/2025-19671.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1022
```
(b) No amendatory instruction: no line of the P1-T-2025-19671 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 801 lines, SHA-256 c1fd13c5e7f9f94c08e79121176f43fdf68cc074c1406f64a880abde6b62ff88). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 29-35 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/28/2025-19671.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is issuing 
this interpretive rule to clarify that the Fair Credit Reporting Act 
(FCRA) generally preempts State laws that touch on broad areas of 
credit reporting, consistent with Congress's intent to create national 
standards for the credit reporting system. This interpretive rule 
replaces a July 2022 interpretive rule that the Bureau withdrew in May 
2025.
```

4.26. 2025-19687 (lists: CFPB). CFR parts it amends: 12 CFR 1081 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Respondents in CFPB adjudication proceedings.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-19687 response (pull 1, 2026-11-07T15:17:56Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1081
```
(b) Amended part, amendatory instruction and PART heading: body lines 561-564 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt
```
    For the reasons set forth above, the Bureau revises 12 CFR part 
1081 to read as follows:

PART 1081--RULES OF PRACTICE FOR ADJUDICATION PROCEEDINGS
```
(c) Who must comply, as the rule text states it: body lines 52-63 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt
```
SUMMARY: The Rules of Practice for Adjudication Proceedings (Rules of 
Practice) govern adjudication proceedings conducted by the Consumer 
Financial Protection Bureau (CFPB). The CFPB issued a proposal to 
rescind amendments it adopted to the Rules of Practice on February 22, 
2022, and March 29, 2023 (2022 and 2023 amendments). The 2022 and 2023 
amendments that the Bureau proposed to rescind included a new 
deposition process, amendments concerning timing and deadlines, 
bifurcation of proceedings, the process for deciding dispositive 
motions, and requirements for issue exhaustion, as well as other 
technical changes. After considering the comments on the proposal, the 
CFPB has decided to rescind the amendments as proposed, except as 
related to narrow clarificatory and procedural changes.
```
(c) Who must comply, as the rule text states it, continued: body lines 464-468 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19687.txt
```
    The CFPB's 2022 and 2023 amendments to the Rules of Practice 
changed Rule 206 to permit the CFPB to provide electronic copies of 
documents to respondents in most cases, rather than requiring the CFPB 
to make the documents available for inspection and copying at the 
CFPB's office where they are ordinarily maintained.
```

4.27. 2025-19689 (lists: CFPB). CFR parts it amends: 12 CFR 1092 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Nonbank covered persons subject to certain public orders (former registry rule).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-19689 response (pull 1, 2026-11-07T15:17:57Z), GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19689.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1092
```
(b) Amended part, amendatory instruction and PART heading: body lines 2332-2337 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19689.txt
```
PART 1092--[Removed and Reserved]

0
For the reasons set forth above, and under the authority of 12 U.S.C. 
5512 and 5514, the Bureau amends 12 CFR chapter X by removing and 
reserving part 1092.
```
(c) Who must comply, as the rule text states it: body lines 32-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/10/29/2025-19689.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau or CFPB) is 
issuing a final rule to rescind its rule requiring certain types of 
nonbank covered persons subject to certain final public orders obtained 
or issued by a government agency in connection with the offering or 
provision of a consumer financial product or service to report the 
existence of the orders and related information to a Bureau registry.
```

4.28. 2025-19888 (lists: Federal Reserve). CFR parts it amends: 12 CFR 201 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Banks and depository institutions that borrow from them (Regulation A).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-19888 response (pull 1, 2026-11-07T15:17:59Z), GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 201
```
(b) Amended part, amendatory instruction and PART heading: body lines 177-181 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt
```
    For the reasons set forth in the preamble, the Board is amending 12 
CFR chapter II as follows:

PART 201--EXTENSIONS OF CREDIT BY FEDERAL RESERVE BANKS (REGULATION 
A)
```
(c) Who must comply, as the rule text states it: body lines 52-57 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation A to reflect 
the Board's approval of a decrease in the rate for primary credit at 
each Federal Reserve Bank. The secondary credit rate at each Reserve 
Bank automatically decreased by formula as a result of the Board's 
primary credit rate action.
```
(c) Who must comply, as the rule text states it, continued: body lines 73-78 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19888.txt
```
SUPPLEMENTARY INFORMATION: The Federal Reserve Banks make primary and 
secondary credit available to depository institutions as a backup 
source of funding on a short-term basis, usually overnight. The primary 
and secondary credit rates are the interest rates that the twelve 
Federal Reserve Banks charge for extensions of credit under these 
programs. In accordance with the Federal Reserve Act, the primary and 
```

4.29. 2025-19889 (lists: Federal Reserve). CFR parts it amends: 12 CFR 204 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-19889 response (pull 1, 2026-11-07T15:18:00Z), GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19889.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 204
```
(b) Amended part, amendatory instruction and PART heading: body lines 183-187 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19889.txt
```
    For the reasons set forth in the preamble, the Board amends 12 CFR 
part 204 as follows:

PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS 
(REGULATION D)
```
(c) Who must comply, as the rule text states it: body lines 31-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/14/2025-19889.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation D to revise 
the rate of interest paid on balances (``IORB'') maintained at Federal 
Reserve Banks by or on behalf of eligible institutions. The final 
amendments specify that IORB is 3.90 percent, a 0.25 percentage point 
decrease from its prior level. The amendment is intended to enhance the 
role of IORB in maintaining the federal funds rate in the target range 
established by the Federal Open Market Committee (``FOMC'' or 
``Committee'').
```

4.30. 2025-20472 (lists: Federal Reserve). CFR parts it amends: 12 CFR 209 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Bank stockholders; the threshold is total consolidated assets of $13,182,000,000 through 2026-12-31.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-20472 response (pull 1, 2026-11-07T15:18:02Z), GET https://www.federalregister.gov/documents/full_text/text/2025/11/20/2025-20472.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 209
```
(b) Amended part, amendatory instruction and PART heading: body lines 184-187 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/20/2025-20472.txt
```
    For the reasons set forth in the preamble, the Board amends 
Regulation I, 12 CFR part 209, as follows:

PART 209--[AMENDED]
```
(c) Who must comply, as the rule text states it: body lines 32-43 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/20/2025-20472.txt
```
SUMMARY: The Board of Governors (Board) is publishing a final rule that 
applies an inflation adjustment to the threshold for total consolidated 
assets in Regulation I. Federal Reserve Bank (Reserve Bank) 
stockholders that have total consolidated assets above the threshold 
receive a different dividend rate on their Reserve Bank stock than 
stockholders with total consolidated assets at or below the threshold. 
The Federal Reserve Act requires that the Board annually adjust the 
total consolidated asset threshold to reflect the change in the Gross 
Domestic Product Price Index, published by the Bureau of Economic 
Analysis (BEA). Based on the change in the Gross Domestic Product Price 
Index as of September 25, 2025, the total consolidated asset threshold 
will be $13,182,000,000 through December 31, 2026.
```

4.31. 2025-20744 (lists: Federal Reserve). CFR parts it amends: 12 CFR 204 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Depository institutions subject to Regulation D reserve requirements (exemption amount $39.2 million; low reserve tranche $674.1 million).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-20744 response (pull 1, 2026-11-07T15:18:04Z), GET https://www.federalregister.gov/documents/full_text/text/2025/11/24/2025-20744.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 204
```
(b) Amended part, amendatory instruction and PART heading: body lines 184-188 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/24/2025-20744.txt
```
    For the reasons set forth in the preamble, the Board is amending 12 
CFR part 204 as follows:

PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS 
(REGULATION D)
```
(c) Who must comply, as the rule text states it: body lines 31-44 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/24/2025-20744.txt
```
SUMMARY: The Board is amending Regulation D, Reserve Requirements of 
Depository Institutions, to reflect the annual indexing of the reserve 
requirement exemption amount and the low reserve tranche for 2026. The 
annual indexation of these amounts is required notwithstanding the 
Board's action in March 2020 of setting all reserve requirement ratios 
to zero. The Board is amending Regulation D to set the reserve 
requirement exemption amount at $39.2 million (increased from $37.8 
million in 2025) and the amount of the low reserve tranche at $674.1 
million (increased from $645.8 million in 2025). The adjustments to 
both of these amounts are derived using statutory formulas specified in 
the Federal Reserve Act (the ``Act''). The annual indexation of the 
reserve requirement exemption amount and low reserve tranche is 
required by statute but will not affect depository institutions' 
reserve requirements, which will remain zero.
```

4.32. 2025-21461 (lists: FDIC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 328 (CSV `cfr parts`). Who must comply (CSV `who must comply`): FDIC-insured depository institutions (IDIs), for 12 CFR 328.4 and 328.5.
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-21461 response (pull 1, 2026-11-07T15:18:05Z), GET https://www.federalregister.gov/documents/full_text/text/2025/11/28/2025-21461.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 328
```
(b) No amendatory instruction: no line of the P1-T-2025-21461 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 120 lines, SHA-256 8df099540d87755ff1109c2e9a300b668afa784e512fdc50355958f41cade5bf). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 33-43 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/28/2025-21461.txt
```
SUMMARY: On December 20, 2023, the FDIC adopted a final rule that, 
among other things, amended the FDIC's official sign and advertisement 
of membership requirements for insured depository institutions (IDIs). 
The current compliance date for requirements related to displaying the 
official digital sign on IDIs' digital deposit-taking channels and 
automated teller machines (ATMs) and like devices is March 1, 2026. The 
FDIC is delaying the March 1, 2026, compliance date to January 1, 2027. 
This delay will provide certainty and minimize undue burden on IDIs 
while the FDIC completes consideration of a proposal to amend 
requirements related to digital deposit-taking channels and ATMs and 
like devices.
```
(c) Who must comply, as the rule text states it, continued: body lines 45-48 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/11/28/2025-21461.txt
```
DATES: The compliance date for the requirements in 12 CFR 328.4 and 
328.5, which was initially delayed at 89 FR 84261 (October 22, 2024) 
and was subsequently delayed at 90 FR 11659 (March 11, 2025), is 
further delayed to January 1, 2027.
```

4.33. 2025-21626 (lists: FDIC, Federal Reserve, OCC). CFR parts it amends: 12 CFR 3; 12 CFR 6; 12 CFR 208; 12 CFR 217; 12 CFR 252; 12 CFR 324 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): Global systemically important bank holding companies (GSIBs), their Board- or FDIC-regulated depository institution subsidiaries, and national banks and Federal savings associations owned by a top-tier holding company with over $700 billion in total consolidated assets or over $10 trillion in assets under custody.
(a) CFR heading of the rule text: body lines 102-120 of the P1-T-2025-21626 response (pull 1, 2026-11-07T15:18:07Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Parts 3 and 6

[Docket ID OCC--2025-0006]
RIN 1557-AF31

FEDERAL RESERVE SYSTEM

12 CFR Parts 208, 217, and 252

[Regulations H, Q, and YY; Docket No. R-1867]
RIN 7100-AG96

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 324
```
(b) Amended part, amendatory instruction and PART heading: body lines 4758-4762 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
    For the reasons set forth in the joint preamble, the OCC amends 
parts 3 and 6 of chapter I of title 12 of the Code of Federal 
Regulations as follows:

PART 3--CAPITAL ADEQUACY STANDARDS
```
(b) Next amended part, PART heading: body lines 4925-4925 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
PART 6--PROMPT CORRECTIVE ACTION
```
(b) Next amended part, amendatory instruction and PART heading: body lines 4959-4964 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
    For the reasons set forth in the joint preamble, the Board of 
Governors of the Federal Reserve System amends chapter II of title 12 
of the Code of Federal Regulations as follows:

PART 208--MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL 
RESERVE SYSTEM (REGULATION H)
```
(b) Next amended part, PART heading: body lines 5032-5033 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
PART 217--CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND 
LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)
```
(b) Next amended part, PART heading: body lines 5177-5177 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
PART 252--ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)
```
(b) Next amended part, amendatory instruction and PART heading: body lines 5300-5304 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
    For the reasons stated in the common preamble, the Board of 
Directors of the Federal Deposit Insurance Corporation amends 12 CFR 
part 324 as follows:

PART 324--CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS
```
(c) Who must comply, as the rule text states it: body lines 140-163 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/01/2025-21626.txt
```
SUMMARY: The Office of the Comptroller of the Currency (OCC), Board of 
Governors of the Federal Reserve System (Board), and Federal Deposit 
Insurance Corporation (FDIC) are adopting a final rule to modify the 
enhanced supplementary leverage ratio standards applicable to U.S. bank 
holding companies identified as global systemically important bank 
holding companies (GSIBs), their subsidiary depository institutions 
that are Board- or FDIC-regulated, and national banks and Federal 
savings associations that are subsidiaries of a U.S. top-tier bank 
holding company with total consolidated assets of more than $700 
billion or assets under custody of more than $10 trillion (together 
with Board- and FDIC-regulated subsidiary depository institutions of 
GSIBs, covered depository institutions). These modifications are 
intended to help ensure that the enhanced supplementary leverage ratio 
standards serve as a backstop to risk-based capital requirements rather 
than a frequently binding constraint, thus reducing potential 
disincentives for GSIBs and covered depository institutions to 
participate in low-risk, low-return activities. The Board is also 
finalizing conforming amendments to its total loss-absorbing capacity 
and long-term debt requirements. In addition, the Board is making 
conforming amendments to relevant regulatory reporting forms, and the 
Board and FDIC are making final certain technical corrections to the 
capital rule and the prompt corrective action framework. Banking 
organizations subject to the final rule may elect to early adopt the 
final rule as of January 1, 2026.
```

4.34. 2025-21914 (lists: FDIC). CFR parts it amends: 12 CFR 303; 12 CFR 314; 12 CFR 335; 12 CFR 340; 12 CFR 347; 12 CFR 363; 12 CFR 380 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): FDIC-insured depository institutions subject to the thresholds in 12 CFR parts 303, 314, 335, 340, 347, 363 and 380 (including part 363 audit requirements).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-21914 response (pull 1, 2026-11-07T15:18:08Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Parts 303, 314, 335, 340, 347, 363, and 380
```
(b) Amended part, amendatory instruction and PART heading: body lines 2909-2913 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
    For the reasons set forth in the preamble, the Board of Directors 
of the Federal Deposit Insurance Corporation amends 12 CFR chapter III 
as follows:

PART 303--FILING PROCEDURES
```
(b) Next amended part, PART heading: body lines 2940-2940 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 314--INDEXING OF SPECIFIED REGULATORY THRESHOLDS
```
(b) Next amended part, PART heading: body lines 3091-3092 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 335--SECURITIES OF STATE NONMEMBER BANKS AND STATE SAVINGS 
ASSOCIATIONS
```
(b) Next amended part, PART heading: body lines 3111-3112 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 340--RESTRICTIONS ON SALE OF ASSETS OF A FAILED INSTITUTION BY 
THE FEDERAL DEPOSIT INSURANCE CORPORATION
```
(b) Next amended part, PART heading: body lines 3127-3127 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 347--INTERNATIONAL BANKING
```
(b) Next amended part, PART heading: body lines 3150-3150 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 363--ANNUAL INDEPENDENT AUDITS AND REPORTING REQUIREMENTS
```
(b) Next amended part, PART heading: body lines 3300-3300 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
PART 380--ORDERLY LIQUIDATION AUTHORITY
```
(c) Who must comply, as the rule text states it: body lines 51-62 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is adopting 
this final rule to amend certain regulatory thresholds in the FDIC's 
regulations to reflect inflation. Specifically, this final rule 
generally updates such thresholds to reflect inflation from the date of 
initial implementation or the most recent adjustment and provides for 
future adjustments pursuant to an indexing methodology. The changes set 
forth in this final rule preserve the level of certain thresholds set 
forth in the FDIC's regulations in real terms, thereby avoiding the 
undesirable and unintended outcome where the scope of applicability for 
a regulatory requirement changes due solely to inflation rather than 
actual changes in an institution's size, risk profile, or level of 
complexity.
```
(c) Who must comply, as the rule text states it, continued: body lines 64-70 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/04/2025-21914.txt
```
DATES: 
    Effective date: The final rule is effective January 1, 2026.
    Applicability dates: An insured depository institution (IDI) need 
not comply with the applicable 12 CFR part 363 requirements in effect 
as of December 31, 2025, if the IDI will not be subject to such 12 CFR 
part 363 requirements under the updated thresholds in effect as of 
January 1, 2026, as specified in this final rule.
```

4.35. 2025-22772 (lists: CFPB). CFR parts it amends: 12 CFR 1022 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Consumer reporting agencies (Regulation V, FCRA section 609).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-22772 response (pull 1, 2026-11-07T15:18:10Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1022
```
(b) Amended part, amendatory instruction and PART heading: body lines 209-212 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt
```
    For the reasons set forth in the preamble, the Bureau amends 
Regulation V, 12 CFR part 1022, as set forth below:

PART 1022--FAIR CREDIT REPORTING (REGULATION V)
```
(c) Who must comply, as the rule text states it: body lines 28-34 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is issuing 
this final rule amending an appendix for Regulation V, which implements 
the Fair Credit Reporting Act (FCRA). The Bureau is required to 
calculate annually the dollar amount of the maximum allowable charge 
for disclosures by a consumer reporting agency to a consumer pursuant 
to section 609 of the FCRA; this final rule establishes the maximum 
allowable charge for the 2026 calendar year.
```

4.36. 2025-22773 (lists: CFPB). CFR parts it amends: 12 CFR 1026 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Creditors under Regulation Z, including HOEPA high-cost mortgage provisions.
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-22773 response (pull 1, 2026-11-07T15:18:12Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) Amended part, amendatory instruction and PART heading: body lines 441-444 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt
```
    For the reasons set forth in the preamble, the Bureau amends 
Regulation Z, 12 CFR part 1026, as set forth below:

PART 1026--TRUTH IN LENDING (REGULATION Z)
```
(c) Who must comply, as the rule text states it: body lines 29-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is issuing 
this final rule amending the regulation text and official 
interpretations for Regulation Z, which implements the Truth in Lending 
Act (TILA). The Bureau calculates the dollar amounts for provisions in 
Regulation Z annually; this final rule revises the amounts for 
provisions implementing TILA and its amendments, including the Home 
Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank 
Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). The 
Bureau adjusts these amounts based on the annual percentage change of 
the Consumer Price Index (CPI) as of June 1, 2025.
```
(c) Who must comply, as the rule text states it, continued: body lines 107-111 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22773.txt
```
    Sections 1026.6(b)(2)(iii) and 1026.60(b)(3) of Regulation Z 
implement sections 127(a)(3) and 127(c)(1)(A)(ii)(II) of TILA. Sections 
1026.6(b)(2)(iii) and 1026.60(b)(3) require creditors to disclose any 
minimum interest charge exceeding $1.00 that could be imposed during a 
billing cycle. These provisions also state that, for open-end consumer 
```

4.37. 2025-22813 (lists: CFPB, Federal Reserve). CFR parts it amends: 12 CFR 213; 12 CFR 1013 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): Lessors under the Consumer Leasing Act, Regulation M (exempt-lease threshold $73,400, was $71,900).
(a) CFR heading of the rule text: body lines 16-25 of the P1-T-2025-22813 response (pull 1, 2026-11-07T15:18:13Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 213

[Docket No. R-1879]
RIN 7100-AH11

CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1013
```
(b) Amended part, amendatory instruction and PART heading: body lines 299-303 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
    For the reasons set forth in the preamble, the Board amends 
Regulation M, 12 CFR part 213 and the Bureau amends Regulation M, 12 
CFR part 1013, as set forth below:

PART 213--CONSUMER LEASING (REGULATION M)
```
(b) Next amended part, PART heading: body lines 479-479 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
PART 1013--CONSUMER LEASING (REGULATION M)
```
(c) Who must comply, as the rule text states it: body lines 37-51 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
SUMMARY: The Board and the Bureau (collectively, Agencies) are 
finalizing amendments to the official interpretations for the Agencies' 
regulations that implement the Consumer Leasing Act (CLA). The Dodd-
Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) 
amended the CLA by requiring that the dollar threshold for exempt 
consumer leases be adjusted annually by the annual percentage increase 
in the Consumer Price Index for Urban Wage Earners and Clerical Workers 
(CPI-W). Based on the annual percentage increase in the CPI-W as of 
June 1, 2025, the exemption threshold will increase from $71,900 to 
$73,400 effective January 1, 2026. Because the Dodd-Frank Act also 
requires similar adjustments in the Truth in Lending Act's threshold 
for exempt consumer credit transactions, the Agencies are making 
similar amendments to each of their respective regulations implementing 
the Truth in Lending Act elsewhere in the Rules section of this issue 
of the Federal Register.
```
(c) Who must comply, as the rule text states it, continued: body lines 328-333 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22813.txt
```
    2(e) Consumer Lease.
    1. Primary purposes. A lessor must determine in each case if the 
leased property will be used primarily for personal, family, or 
household purposes. If a question exists as to the primary purpose 
for a lease, the fact that a lessor gives disclosures is not 
controlling on the question of whether the transaction is covered. 
```

4.38. 2025-22814 (lists: CFPB, Federal Reserve). CFR parts it amends: 12 CFR 226; 12 CFR 1026 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): Creditors offering consumer credit under Regulation Z (exempt-credit threshold $73,400, was $71,900).
(a) CFR heading of the rule text: body lines 15-24 of the P1-T-2025-22814 response (pull 1, 2026-11-07T15:18:15Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 226

[Docket No. R-1880]
RIN 7100-AH10

CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) Amended part, amendatory instruction and PART heading: body lines 298-302 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
    For the reasons set forth in the preamble, the Board amends 
Regulation Z, 12 CFR part 226 and the Bureau amends Regulation Z, 12 
CFR part 1026, as set forth below:

PART 226--TRUTH IN LENDING (Regulation Z)
```
(b) Next amended part, PART heading: body lines 639-639 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
PART 1026--TRUTH IN LENDING (Regulation Z)
```
(c) Who must comply, as the rule text states it: body lines 36-50 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
SUMMARY: The Board and the Bureau (collectively, Agencies) are 
publishing final rules amending the official interpretations for the 
Agencies' regulations that implement the Truth in Lending Act (TILA). 
The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-
Frank Act) amended TILA by requiring that the dollar threshold for 
exempt consumer credit transactions be adjusted annually by the annual 
percentage increase in the Consumer Price Index for Urban Wage Earners 
and Clerical Workers (CPI-W). Based on the annual percentage increase 
in the CPI-W as of June 1, 2025, the exemption threshold will increase 
from $71,900 to $73,400 effective January 1, 2026. Because the Dodd-
Frank Act also requires similar adjustments in the Consumer Leasing 
Act's threshold for exempt consumer leases, the Agencies are making 
similar amendments to each of their respective regulations implementing 
the Consumer Leasing Act elsewhere in the Rules section of this issue 
of the Federal Register.
```
(c) Who must comply, as the rule text states it, continued: body lines 393-399 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22814.txt
```
    i. Qualifying for exemption. An open-end account is exempt under 
Sec.  226.3(b) (unless secured by any real property, or by personal 
property used or expected to be used as the consumer's principal 
dwelling) if either of the following conditions is met:
    A. The creditor makes an initial extension of credit at or after 
account opening that exceeds the threshold amount in effect at the 
time the initial extension is made. If a creditor makes an initial 
```

4.39. 2025-22875 (lists: CFPB, Federal Reserve, OCC). CFR parts it amends: 12 CFR 34; 12 CFR 226; 12 CFR 1026 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): Creditors making higher-priced mortgage loans (HPML appraisal rules; exemption threshold $34,200, was $33,500).
(a) CFR heading of the rule text: body lines 36-54 of the P1-T-2025-22875 response (pull 1, 2026-11-07T15:18:16Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 34

[Docket No. OCC-2025-0306]
RIN 1557-AF39

FEDERAL RESERVE SYSTEM

12 CFR Part 226

[Docket No. R-1878]
RIN 7100-AH12

CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) Amended part, amendatory instruction and PART heading: body lines 345-348 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
    For the reasons set forth in the preamble, the OCC amends 12 CFR 
part 34 as set forth below:

PART 34--REAL ESTATE LENDING AND APPRAISALS
```
(b) Next amended part, amendatory instruction and PART heading: body lines 456-459 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
    For the reasons set forth in the preamble, the Board amends 
Regulation Z, 12 CFR part 226, as set forth below:

PART 226--TRUTH IN LENDING (REGULATION Z)
```
(b) Next amended part, amendatory instruction and PART heading: body lines 570-573 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
    For the reasons set forth in the preamble, the Bureau amends 
Regulation Z, 12 CFR part 1026, as set forth below:

PART 1026--TRUTH IN LENDING (REGULATION Z)
```
(c) Who must comply, as the rule text states it: body lines 67-78 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt
```
SUMMARY: The OCC, the Board, and the Bureau are finalizing amendments 
to the official interpretations for their regulations that implement 
section 129H of the Truth in Lending Act (TILA). Section 129H of TILA 
establishes special appraisal requirements for ``higher-risk 
mortgages,'' termed ``higher-priced mortgage loans'' or ``HPMLs'' in 
the agencies' regulations. A December 2013 rulemaking exempted 
transactions of $25,000 or less and required that this loan amount be 
adjusted annually based on any annual percentage increase in the 
Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-
W). Based on the CPI-W in effect as of June 1, 2025, the exemption 
threshold will increase from $33,500 to $34,200, effective January 1, 
2026.
```

4.40. 2025-23389 (lists: Federal Reserve). CFR parts it amends: 12 CFR 201 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Banks and depository institutions that borrow from them (Regulation A).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-23389 response (pull 1, 2026-11-07T15:18:18Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 201
```
(b) Amended part, amendatory instruction and PART heading: body lines 175-179 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt
```
    For the reasons set forth in the preamble, the Board is amending 12 
CFR chapter II as follows:

PART 201--EXTENSIONS OF CREDIT BY FEDERAL RESERVE BANKS (REGULATION 
A)
```
(c) Who must comply, as the rule text states it: body lines 51-56 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation A to reflect 
the Board's approval of a decrease in the rate for primary credit at 
each Federal Reserve Bank. The secondary credit rate at each Reserve 
Bank automatically decreased by formula as a result of the Board's 
primary credit rate action.
```
(c) Who must comply, as the rule text states it, continued: body lines 71-76 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23389.txt
```
SUPPLEMENTARY INFORMATION: The Federal Reserve Banks make primary and 
secondary credit available to depository institutions as a backup 
source of funding on a short-term basis, usually overnight. The primary 
and secondary credit rates are the interest rates that the twelve 
Federal Reserve Banks charge for extensions of credit under these 
programs. In accordance with the Federal Reserve Act, the primary and 
```

4.41. 2025-23390 (lists: Federal Reserve). CFR parts it amends: 12 CFR 204 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Eligible institutions that hold balances at Federal Reserve Banks (IORB, Regulation D).
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2025-23390 response (pull 1, 2026-11-07T15:18:19Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23390.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 204
```
(b) Amended part, amendatory instruction and PART heading: body lines 180-184 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23390.txt
```
    For the reasons set forth in the preamble, the Board amends 12 CFR 
part 204 as follows:

PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS 
(REGULATION D)
```
(c) Who must comply, as the rule text states it: body lines 30-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23390.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System 
(``Board'') has adopted final amendments to its Regulation D to revise 
the rate of interest paid on balances (``IORB'') maintained at Federal 
Reserve Banks by or on behalf of eligible institutions. The final 
amendments specify that IORB is 3.65 percent, a 0.25 percentage point 
decrease from its prior level. The amendment is intended to enhance the 
role of IORB in maintaining the federal funds rate in the target range 
established by the Federal Open Market Committee (``FOMC'' or 
``Committee'').
```

4.42. 2025-23425 (lists: FDIC). CFR parts it amends: 12 CFR 327 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Insured depository institutions subject to the FDIC special assessment (uninsured deposits above a $5 billion deduction).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2025-23425 response (pull 1, 2026-11-07T15:18:21Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 327
```
(b) Amended part, amendatory instruction and PART heading: body lines 680-683 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt
```
    For the reasons stated in the preamble, the Federal Deposit 
Insurance Corporation amends 12 CFR part 327 as follows:

PART 327--ASSESSMENTS
```
(c) Who must comply, as the rule text states it: body lines 31-43 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) has been 
collecting a special assessment to recover losses arising from the 
protection of uninsured depositors under the systemic risk exception, 
as required by statute. To ensure that the FDIC recovers the correct 
amount of losses while minimizing the risk of overcollecting or 
undercollecting in aggregate, the FDIC is adopting this interim final 
rule to reduce the rate at which the special assessment will be 
collected in the eighth collection quarter from 3.36 basis points to 
2.97 basis points, and provide an offset to regular quarterly deposit 
insurance assessments for banks subject to the special assessment if 
the amount collected exceeds losses following the resolution of 
litigation between the FDIC and SVB Financial Trust (SVBFT) and again 
following the termination of the receiverships.
```
(c) Who must comply, as the rule text states it, continued: body lines 148-160 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/19/2025-23425.txt
```
    The FDIC began collecting the special assessment with the invoice 
for the first quarterly assessment period of 2024 (i.e., January 1, 
2024, through March 31, 2024), with a payment date of June 28, 2024. 
Throughout the initial eight-quarter collection period, the special 
assessment has been collected at a quarterly rate of 3.36 basis points, 
multiplied by an IDI's special assessment base of estimated uninsured 
deposits as reported in the Consolidated Reports of Condition and 
Income (Call Report) or Report of Assets and Liabilities of U.S. 
Branches and Agencies of Foreign Banks (FFIEC 002), reported for the 
quarter that ended December 31, 2022, adjusted to exclude the first $5 
billion in estimated uninsured deposits from the IDI, or for IDIs that 
are part of a holding company with one or more subsidiary IDIs, at the 
banking organization level.\5\
```

4.43. 2025-23548 (lists: Federal Reserve). CFR parts it amends: 12 CFR 208 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): State member banks, uninsured state member banks and uninsured state-chartered applicants for membership.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-23548 response (pull 1, 2026-11-07T15:18:22Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/22/2025-23548.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 208
```
(b) Amended part, amendatory instruction and PART heading: body lines 374-379 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/22/2025-23548.txt
```
    For the reasons stated in the preamble, the Board of Governors of 
the Federal Reserve System amends part 208 of chapter II of title 12 of 
the Code of Federal Regulations as follows:

PART 208--MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL 
RESERVE SYSTEM (REGULATION H)
```
(c) Who must comply, as the rule text states it: body lines 53-68 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/22/2025-23548.txt
```
SUMMARY: The Board of Governors of the Federal Reserve System (Board) 
is rescinding its 2023 policy statement interpreting section 9(13) of 
the Federal Reserve Act (FRA) (2023 Policy Statement), which set out a 
presumption for how the Board would exercise its authority under that 
provision and elaborated on supervisory expectations at that time 
related to ``novel and unprecedented'' activities. The Board is also 
withdrawing from the record the Supplementary Information that 
accompanied the 2023 Policy Statement, which discussed specific crypto-
asset activities. The Board is replacing the 2023 Policy Statement with 
a new policy statement on section 9(13) of the FRA, which is designed 
to facilitate innovation by state member banks in a manner that is 
consistent with bank safety and soundness and preserving the stability 
of the U.S. financial system. The new policy statement also provides 
guidance to uninsured state member banks and uninsured state-chartered 
bank applicants for membership who may seek to engage in activities as 
principal that are not permissible for insured state member banks.
```

4.44. 2025-23837 (lists: FDIC). CFR parts it amends: 12 CFR 303; 12 CFR 345 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): FDIC-supervised insured State nonmember banks and insured branches of foreign banks.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2025-23837 response (pull 1, 2026-11-07T15:18:24Z), GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Parts 303 and 345
```
(b) Amended part, amendatory instruction and PART heading: body lines 1491-1495 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt
```
    For the reasons stated in the preamble, the Board of Directors of 
the Federal Deposit Insurance Corporation amends 12 CFR parts 303 and 
345 as follows:

PART 303--FILING PROCEDURES
```
(b) Next amended part, PART heading: body lines 1813-1813 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt
```
PART 345--COMMUNITY REINVESTMENT
```
(c) Who must comply, as the rule text states it: body lines 51-57 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2025/12/29/2025-23837.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is amending 
the processes by which an insured State nonmember bank may establish a 
branch or relocate a main office or branch by eliminating certain 
filing requirements, reducing processing timelines, and updating public 
notice procedures. The FDIC is also making corresponding changes to 
procedures applicable to the relocation of an insured branch of a 
foreign bank.
```

4.45. 2026-00085 (lists: CFPB). CFR parts it amends: 12 CFR 1026 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Creditors with assets under $2.785 billion (first-lien HPML escrow exemption) and insured depository institutions and credit unions with assets of $12.485 billion or less.
(a) CFR heading of the rule text: body lines 15-17 of the P1-T-2026-00085 response (pull 1, 2026-11-07T15:18:26Z), GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00085.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1026
```
(b) Amended part, amendatory instruction and PART heading: body lines 252-257 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00085.txt
```
    For the reasons set forth above, the Bureau amends Regulation Z, 12 
CFR part 1026, as set forth below:

[[Page 449]]

PART 1026--TRUTH IN LENDING (REGULATION Z)
```
(c) Who must comply, as the rule text states it: body lines 29-37 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00085.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is amending 
the official commentary to its Regulation Z in order to make annual 
adjustments to the asset-size thresholds exempting certain creditors 
from the requirement to establish an escrow account for a higher-priced 
mortgage loan (HPML). The exemption threshold for creditors and their 
affiliates that regularly extended covered transactions secured by 
first liens is adjusted to $2.785 billion and the exemption threshold 
for certain insured depository institutions and insured credit unions 
with assets of $10 billion or less is adjusted to $12.485 billion.
```

4.46. 2026-00087 (lists: CFPB). CFR parts it amends: 12 CFR 1003 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Banks, savings associations and credit unions with assets of $59 million or less on 2025-12-31 (exempt from HMDA data collection in 2026).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2026-00087 response (pull 1, 2026-11-07T15:18:27Z), GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00087.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1003
```
(b) Amended part, amendatory instruction and PART heading: body lines 219-222 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00087.txt
```
    For the reasons set forth above, the Bureau amends Regulation C, 12 
CFR part 1003, as set forth below:

PART 1003--HOME MORTGAGE DISCLOSURE (REGULATION C)
```
(c) Who must comply, as the rule text states it: body lines 50-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/07/2026-00087.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is amending 
official commentary interpreting requirements of the Bureau's 
Regulation C to reflect the asset-size exemption threshold for banks, 
savings associations, and credit unions based on the annual percentage 
change in the average of the Consumer Price Index for Urban Wage 
Earners and Clerical Workers (CPI-W). Based on the 2.5 average percent 
increase in the CPI-W for the 12-month period ending November 2025, the 
exemption threshold is adjusted to $59 million from $58 million. 
Institutions with assets of $59 million or less as of December 31, 
2025, are exempt from collecting data in 2026.
```

4.47. 2026-01806 (lists: FDIC). CFR parts it amends: 12 CFR 328 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): FDIC-insured depository institutions (IDIs) with digital deposit-taking channels, ATMs and like devices.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2026-01806 response (pull 1, 2026-11-07T15:18:29Z), GET https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 328
```
(b) Amended part, amendatory instruction and PART heading: body lines 1515-1520 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt
```
    For the reasons stated in the preamble, the Federal Deposit 
Insurance Corporation amends part 328 of title 12 of the Code of 
Federal Regulations as follows:

PART 328--FDIC OFFICIAL SIGNS, ADVERTISEMENT OF MEMBERSHIP, FALSE 
ADVERTISING, MISREPRESENTATION OF INSURED STATUS, AND MISUSE OF THE 
```
(c) Who must comply, as the rule text states it: body lines 53-62 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is amending 
its signage requirements for insured depository institutions' (IDIs) 
digital deposit-taking channels and automated teller machines (ATMs) 
and like devices. This final rule is intended to address implementation 
issues and sources of potential confusion raised following the adoption 
of signage requirements for these banking channels in 2023. The final 
rule provides additional flexibility to IDIs while also enabling 
consumers to better understand when they are conducting business with 
an IDI and when their funds are protected by the FDIC's deposit 
insurance coverage.
```

4.48. 2026-04088 (lists: OCC). CFR parts it amends: 12 CFR 5 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): National banks limited to trust company operations (OCC).
(a) CFR heading of the rule text: body lines 16-20 of the P1-T-2026-04088 response (pull 1, 2026-11-07T15:18:30Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/02/2026-04088.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 5
```
(b) Amended part, amendatory instruction and PART heading: body lines 754-758 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/02/2026-04088.txt
```
    For the reasons set forth in the preamble, and under the authority 
of 12 U.S.C. 93a, the OCC amends chapter I of title 12 of the Code of 
Federal Regulations as follows:

PART 5--RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES
```
(c) Who must comply, as the rule text states it: body lines 34-38 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/02/2026-04088.txt
```
SUMMARY: The Office of the Comptroller of the Currency (OCC) is 
amending its rule related to chartering of national banks to clarify 
the longstanding authority of national banks limited to the operations 
of trust companies and activities related thereto to engage in non-
fiduciary activities in addition to their fiduciary activities.
```

4.49. 2026-04275 (lists: OCC). CFR parts it amends: 12 CFR 5 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): National banks and Federal savings associations with less than $30 billion in total assets that satisfy certain conditions.
(a) CFR heading of the rule text: body lines 16-20 of the P1-T-2026-04275 response (pull 1, 2026-11-07T15:18:32Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04275.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 5
```
(b) Amended part, amendatory instruction and PART heading: body lines 887-890 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04275.txt
```
    For the reasons set forth in the preamble, the OCC amends chapter I 
of title 12 of the Code of Federal Regulations as follows:

PART 5--RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES
```
(c) Who must comply, as the rule text states it: body lines 34-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04275.txt
```
SUMMARY: The Office of the Comptroller of the Currency (OCC) is 
amending its rules related to policies and procedures to simplify 
licensing requirements for corporate activities and transactions 
involving national banks and Federal savings associations that have 
less than $30 billion in total assets and satisfy certain conditions. 
The final rule is intended to reduce burden on these institutions.
```

4.50. 2026-04276 (lists: OCC). CFR parts it amends: 12 CFR 27 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): National banks (OCC).
(a) CFR heading of the rule text: body lines 15-19 of the P1-T-2026-04276 response (pull 1, 2026-11-07T15:18:33Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04276.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 27
```
(b) Amended part, amendatory instruction and PART heading: body lines 609-613 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04276.txt
```
PART 27--[REMOVED AND RESERVED]

0
For the reasons stated in the preamble, under the authority of 12 
U.S.C. 93a, the OCC removes and reserves 12 CFR part 27.
```
(c) Who must comply, as the rule text states it: body lines 33-44 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/04/2026-04276.txt
```
SUMMARY: The Office of the Comptroller of the Currency (OCC) is 
rescinding its Fair Housing Home Loan Data System regulation. The OCC 
has determined that the regulation is obsolete and largely duplicative 
of and inconsistent with other legal authorities that require national 
banks to collect and retain certain information on applications for 
home loans. Moreover, it imposed asymmetrical data collection 
requirements on national banks compared to their other depository 
institution counterparts, and the data collected had limited utility. 
For these reasons, rescinding the regulation eliminates the regulatory 
burden for national banks without having a material impact on the 
availability of data necessary for the OCC to conduct its fair housing-
related supervisory activities.
```

4.51. 2026-04373 (lists: Federal Reserve). CFR parts it amends: 12 CFR 265 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Board (internal delegations).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2026-04373 response (pull 1, 2026-11-07T15:18:35Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/05/2026-04373.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 265
```
(b) Amended part, amendatory instruction and PART heading: body lines 153-157 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/05/2026-04373.txt
```
    For the reasons stated in the preamble the Board of Governors of 
the Federal Reserve System corrects 12 CFR part 265 by making the 
following correcting amendments:

PART 265--RULES REGARDING DELEGATION OF AUTHORITY
```
(c) Who must comply, as the rule text states it: body lines 52-54 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/05/2026-04373.txt
```
SUMMARY: The Board is revising its Rules Regarding Delegation of 
Authority to add delegations previously approved by the Board and to 
make certain technical corrections.
```

4.52. 2026-05544 (lists: Federal Reserve). CFR parts it amends: 12 CFR 262 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Federal Reserve Board (rules of procedure).
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2026-05544 response (pull 1, 2026-11-07T15:18:36Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/20/2026-05544.txt
```
FEDERAL RESERVE SYSTEM

12 CFR Part 262
```
(b) Amended part, amendatory instruction and PART heading: body lines 236-239 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/20/2026-05544.txt
```
    For the reasons stated in the preamble the Board of Governors of 
the Federal Reserve System amends 12 CFR part 262 as follows:

PART 262--RULES OF PROCEDURE
```
(c) Who must comply, as the rule text states it: body lines 52-53 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/20/2026-05544.txt
```
SUMMARY: The Board is revising its Rules of Procedure to make certain 
technical corrections.
```

4.53. 2026-05652 (lists: FDIC). CFR parts it amends: 12 CFR 330 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): FDIC-insured depository institutions with branches in the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau.
(a) CFR heading of the rule text: body lines 36-38 of the P1-T-2026-05652 response (pull 1, 2026-11-07T15:18:38Z), GET https://www.federalregister.gov/documents/full_text/text/2026/03/23/2026-05652.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 330
```
(b) Amended part, amendatory instruction and PART heading: body lines 434-439 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/23/2026-05652.txt
```
    For the reasons stated in the preamble, the Federal Deposit 
Insurance Corporation adopts as final the interim final rule amending 
12 CFR part 330, which was published at 89 FR 65166 on August 9, 2024, 
with the following change:

PART 330--DEPOSIT INSURANCE COVERAGE
```
(c) Who must comply, as the rule text states it: body lines 53-59 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/03/23/2026-05652.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is adopting a 
final rule to provide that the FDIC will insure deposits of all 
branches of U.S.-insured depository institutions (IDIs) in the 
Federated States of Micronesia, the Republic of the Marshall Islands, 
and the Republic of Palau, whether operating presently or in the 
future. This final rule follows an interim final rule with request for 
comment issued by the FDIC in August 2024.
```

4.54. 2026-06281 (lists: OCC). CFR parts it amends: 12 CFR 30 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Large insured national banks, insured Federal savings associations and insured Federal branches that were subject to the OCC recovery planning guidelines.
(a) CFR heading of the rule text: body lines 16-20 of the P1-T-2026-06281 response (pull 1, 2026-11-07T15:18:40Z), GET https://www.federalregister.gov/documents/full_text/text/2026/04/01/2026-06281.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 30
```
(b) Amended part, amendatory instruction and PART heading: body lines 543-547 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/01/2026-06281.txt
```
    For the reasons stated in the preamble, and under the authority of 
12 U.S.C. 93a and 12 U.S.C. 1831p-1, the Office of the Comptroller of 
the Currency amends 12 CFR part 30 as follows:

PART 30--SAFETY AND SOUNDNESS STANDARDS
```
(c) Who must comply, as the rule text states it: body lines 36-39 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/01/2026-06281.txt
```
SUMMARY: The OCC is amending its regulations by rescinding ``OCC 
Guidelines Establishing Standards for Recovery Planning by Certain 
Large Insured National Banks, Insured Federal Savings Associations, and 
Insured Federal Branches.''
```

4.55. 2026-06947 (lists: FDIC, OCC). CFR parts it amends: 12 CFR 1; 12 CFR 4; 12 CFR 30; 12 CFR 302; 12 CFR 364 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): The OCC and the FDIC (supervisory conduct toward the institutions they supervise).
(a) CFR heading of the rule text: body lines 16-27 of the P1-T-2026-06947 response (pull 1, 2026-11-07T15:18:41Z), GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Parts 1, 4, and 30

[Docket ID OCC-2025-0142]
RIN 1557-AF34

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Parts 302 and 364
```
(b) Amended part, amendatory instruction and PART heading: body lines 1694-1698 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
    For the reasons set forth in the preamble, and under the authority 
of 12 U.S.C. 93a, chapter I of title 12 of the Code of Federal 
Regulations is amended as follows:

PART 1--INVESTMENT SECURITIES
```
(b) Next amended part, PART heading: body lines 1713-1714 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
PART 4--ORGANIZATION AND FUNCTIONS, AVAILABILITY AND RELEASE OF 
INFORMATION, CONTRACTING OUTREACH PROGRAM, POST-EMPLOYMENT 
```
(b) Next amended part, PART heading: body lines 1828-1828 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
PART 30--SAFETY AND SOUNDNESS STANDARDS
```
(b) Next amended part, amendatory instruction and PART heading: body lines 1873-1877 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
    For the reasons set forth in the preamble, the FDIC proposes to 
amend parts 302 and 364 of chapter III of title 12 of the Code of 
Federal Regulations as follows:

PART 302--REGULATIONS GOVERNING BANK SUPERVISION
```
(b) Next amended part, PART heading: body lines 1994-1994 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
PART 364--STANDARDS FOR SAFETY AND SOUNDNESS
```
(c) Who must comply, as the rule text states it: body lines 41-60 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt
```
SUMMARY: The Office of the Comptroller of the Currency and the Federal 
Deposit Insurance Corporation are adopting a final rule to codify the 
elimination of reputation risk from their supervisory programs. Among 
other things, the rule prohibits the agencies from criticizing or 
taking adverse action against an institution on the basis of reputation 
risk. The rule also prohibits the agencies from requiring, instructing, 
or encouraging an institution to close an account, to refrain from 
providing an account, product, or service, or to modify or terminate 
any product or service on the basis of a person or entity's political, 
social, cultural, or religious views or beliefs, constitutionally 
protected speech, or solely on the basis of politically disfavored but 
lawful business activities perceived to present reputation risk. The 
rule further forbids the agencies from taking any supervisory action or 
other adverse action against an institution, a group of institutions, 
or the institution-affiliated parties of any institution that is 
designed to punish or discourage an individual or group from engaging 
in any lawful political, social, cultural, or religious activities, 
constitutionally protected speech, or, for political reasons, lawful 
business activities that the agencies or its personnel disagree with or 
disfavor.
```

4.56. 2026-07804 (lists: CFPB). CFR parts it amends: 12 CFR 1002 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Creditors under the Equal Credit Opportunity Act (Regulation B).
(a) CFR heading of the rule text: body lines 58-60 of the P1-T-2026-07804 response (pull 1, 2026-11-07T15:18:43Z), GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1002
```
(b) Amended part, amendatory instruction and PART heading: body lines 6473-6476 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt
```
    For the reasons set forth in the preamble, the Bureau amends 
Regulation B, 12 CFR part 1002, as set forth below:

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)
```
(c) Who must comply, as the rule text states it: body lines 74-80 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt
```
SUMMARY: 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.
```
(c) Who must comply, as the rule text states it, continued: body lines 93-100 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/22/2026-07804.txt
```
    Pursuant to its authority under ECOA, 15 U.S.C. 1691b(a), and the 
Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank 
Act), 12 U.S.C. 5512(b), the Bureau is amending provisions in 
Regulation B, 12 CFR part 1002, pertaining to: whether disparate impact 
is cognizable under the Act; under what circumstances a creditor may be 
deemed to be discouraging an applicant or prospective applicant; and 
under what conditions a creditor may offer special purpose credit 
programs (SPCPs).
```

4.57. 2026-08298 (lists: FDIC, Federal Reserve, OCC). CFR parts it amends: 12 CFR 3; 12 CFR 217; 12 CFR 324 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): Qualifying community banking organizations in the community bank leverage ratio (CBLR) framework (depository institutions and holding companies with total consolidated assets of less than $10 billion).
(a) CFR heading of the rule text: body lines 16-34 of the P1-T-2026-08298 response (pull 1, 2026-11-07T15:18:44Z), GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 3

[Docket ID OCC-2025-0141]
RIN 1557-AF33

FEDERAL RESERVE SYSTEM

12 CFR Part 217

[Docket No. R-1876]
RIN 7100-AH08

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 324
```
(b) Amended part, amendatory instruction and PART heading: body lines 2194-2198 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
    For the reasons set forth in the preamble, the Office of the 
Comptroller of the Currency amends part 3 of chapter I of title 12 of 
the Code of Federal Regulations as follows:

PART 3--CAPITAL ADEQUACY STANDARDS
```
(b) Next amended part, amendatory instruction and PART heading: body lines 2262-2267 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
    For the reasons set forth in the preamble, the Board amends part 
217 of chapter II of Title 12 of the Code of Federal Regulations as 
follows:

PART 217--CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND 
LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)
```
(b) Next amended part, amendatory instruction and PART heading: body lines 2336-2340 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
    For the reasons stated in the joint preamble, the Board of 
Directors of the Federal Deposit Insurance Corporation amends 12 CFR 
part 324 as follows:

PART 324--CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS
```
(c) Who must comply, as the rule text states it: body lines 49-60 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
SUMMARY: The Office of the Comptroller of the Currency, the Board of 
Governors of the Federal Reserve System, and the Federal Deposit 
Insurance Corporation are adopting a final rule that lowers the 
community bank leverage ratio (CBLR) requirement from 9 percent to 8 
percent, consistent with the lower bound provided in section 201 of the 
Economic Growth, Regulatory Relief, and Consumer Protection Act. The 
final rule also extends the length of time that certain depository 
institutions and depository institution holding companies can remain in 
the CBLR framework while not meeting all of the qualifying criteria for 
the CBLR framework from two consecutive quarters to four consecutive 
quarters, subject to a limit of eight quarters in the previous five-
year period.
```
(c) Who must comply, as the rule text states it, continued: body lines 147-152 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt
```
generally have the same meaning. Section 201(a)(3) of EGRRCPA 
provides that a qualifying community banking organization is a 
depository institution or depository institution holding company 
with total consolidated assets of less than $10 billion that 
satisfies such other factors, based on the banking organization's 
risk profile, that the agencies determine are appropriate. Section 
```

4.58. 2026-08328 (lists: OCC). CFR parts it amends: 12 CFR 7 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): National banks (OCC).
(a) CFR heading of the rule text: body lines 15-19 of the P1-T-2026-08328 response (pull 1, 2026-11-07T15:18:46Z), GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08328.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 7
```
(b) Amended part, amendatory instruction and PART heading: body lines 882-890 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08328.txt
```
    For the reasons set out in the preamble, the OCC amends part 12 of 
chapter I of title 12 of the Code of Federal Regulations as follows:

PART 7--ACTIVITIES AND OPERATIONS

Subpart D--Preemption

0
1. The authority citation for part 7 continues to read as follows:
```
The instruction line says `part 12 of chapter I`; the PART heading under it and the authority citation in the same block name part 7, the part the CFR heading (a) names. So the part this rule amends is 12 CFR part 7.
(c) Who must comply, as the rule text states it: body lines 33-41 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08328.txt
```
SUMMARY: The OCC is adopting an interim final rule to clarify that 
national banks' power to charge non-interest charges and fees includes 
the power to assess, collect, impose, levy, receive, reserve, take, or 
otherwise obtain non-interest charges and fees, including interchange 
fees from credit and debit card operations. Further, the interim final 
rule explains that national banks may charge non-interest charges or 
fees, even when such charges and fees are set by or in consultation 
with third parties. The OCC invites public comments on this interim 
final rule.
```

4.59. 2026-08494 (lists: CFPB). CFR parts it amends: 12 CFR 1002 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): Covered financial institutions that originate at least 1,000 covered credit transactions for small businesses in each of calendar years 2026 and 2027.
(a) CFR heading of the rule text: body lines 59-61 of the P1-T-2026-08494 response (pull 1, 2026-11-07T15:18:47Z), GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1002
```
(b) Amended part, amendatory instruction and PART heading: body lines 9460-9463 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt
```
    For the reasons set forth in the preamble, the Bureau is amending 
Regulation B, 12 CFR part 1002, as set forth below:

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)
```
(c) Who must comply, as the rule text states it: body lines 76-85 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau or CFPB) is 
revising certain provisions of Regulation B, subpart B, which 
implements changes to the Equal Credit Opportunity Act made by section 
1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. 
The Bureau is amending coverage of certain credit transactions and 
financial institutions; the small business definition; inclusion of 
certain data points and how others are collected; and the compliance 
date. The Bureau believes these changes will streamline the rule, 
reduce complexity for lenders, improve data quality, and advance the 
purposes of section 1071.
```
(c) Who must comply, as the rule text states it, continued: body lines 6266-6273 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/01/2026-08494.txt
```
    This final rule provides that financial institutions (both 
depository and nondepository) that meet all the other criteria for a 
``financial institution'' in Sec.  1002.105(a) will only be required to 
collect and report section 1071 data if they originated at least 1,000 
covered credit transactions in each of the two preceding calendar 
years. In addition, under this final rule, FCS lenders will not be 
required to collect and report section 1071 data, even if they meet 
this new threshold.
```

4.60. 2026-10037 (lists: OCC). CFR parts it amends: 12 CFR 34 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same part. Who must comply (CSV `who must comply`): OCC-regulated banks (national banks; Federal savings associations through the HOLA).
(a) CFR heading of the rule text: body lines 70-74 of the P1-T-2026-10037 response (pull 1, 2026-11-07T15:18:49Z), GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 34
```
(b) Amended part, amendatory instruction and PART heading: body lines 1468-1472 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt
```
    For the reasons set forth in the preamble, and under the authority 
of 12 U.S.C. 93a, chapter I of title 12 of the Code of Federal 
Regulations is amended as follows:

PART 34--REAL ESTATE LENDING AND APPRAISALS
```
(c) Who must comply, as the rule text states it: body lines 88-94 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt
```
SUMMARY: The OCC is issuing a preemption determination concluding that 
Federal law preempts State laws that restrict OCC-regulated banks' 
flexibility to decide whether and to what extent to pay interest or 
other compensation on funds placed in real estate escrow accounts; or 
assess fees in connection with such accounts. This preemption 
determination will provide much-needed clarity to banks and other 
stakeholders.
```
(c) Who must comply, as the rule text states it, continued: body lines 252-258 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.txt
```
escrow laws by the National Bank Act. However, the Home Owners' Loan 
Act of 1933 (HOLA) directs courts to apply ``the laws and legal 
standards applicable to national banks'' in determining whether 
Federal law preempts State regulation of Federal savings 
associations. 12 U.S.C. 1465(a). As such, the OCC's proposed and 
final analyses apply equally to Federal savings associations and 
preemption by the HOLA.
```

4.61. 2026-11044 (lists: FDIC). CFR parts it amends: 12 CFR 303; 12 CFR 337 (CSV `cfr parts`, both files, corrected in revision 2); its CFR heading names Part 337 only, and its correcting amendments change both parts (below). Who must comply (CSV `who must comply`): FDIC (technical correction of brokered deposit rules).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2026-11044 response (pull 1, 2026-11-07T15:18:50Z), GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 337
```
(b) Amended part, amendatory instruction and PART heading: body lines 115-118 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
    For the reasons stated in the preamble, the FDIC corrects 12 CFR 
parts 303 and 337 by making the following correcting amendments:

PART 303--FILING PROCEDURES
```
(b) Next amended part, PART heading: body lines 160-160 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
PART 337--UNSAFE AND UNSOUND BANKING PRACTICES
```
So the rule amends 12 CFR parts 303 and 337: the instruction says "corrects 12 CFR parts 303 and 337 by making the following correcting amendments", and both PART headings follow. Both CSV files and the rules table list 12 CFR 303; 12 CFR 337 for it.
(c) Who must comply, as the rule text states it: body lines 32-34 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is correcting 
a final rule that was published in the Federal Register on January 22, 
2021.
```
(c) Who must comply, as the rule text states it, continued: body lines 47-50 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/03/2026-11044.txt
```
    This Federal Register Notice corrects technical errors in the 
FDIC's regulations concerning brokered deposits, 12 CFR parts 303 and 
337, which were amended by a final rule published in the Federal 
Register on January 22, 2021 (2021 rule). The 2021 rule inadvertently 
```

4.62. 2026-12149 (lists: CFPB). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 1002 (CSV `cfr parts`). Who must comply (CSV `who must comply`): For-profit organizations that run special purpose credit programs (Regulation B).
(a) CFR heading of the rule text: body lines 16-18 of the P1-T-2026-12149 response (pull 1, 2026-11-07T15:18:52Z), GET https://www.federalregister.gov/documents/full_text/text/2026/06/17/2026-12149.txt
```
CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Part 1002
```
(b) No amendatory instruction: no line of the P1-T-2026-12149 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 305 lines, SHA-256 faad5985076344616344b6a6918aacb685ffb0636c1bc0cc9f390e2319724461). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 30-35 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/17/2026-12149.txt
```
SUMMARY: The Consumer Financial Protection Bureau (Bureau) is 
rescinding an advisory opinion issued in December 2020 regarding 
Regulation B, which implements the Equal Credit Opportunity Act (ECOA), 
as it applies to certain aspects of special purpose credit programs 
designed and implemented by for-profit organizations to meet special 
social needs.
```

4.63. 2026-12787 (lists: CFPB, FDIC, Federal Reserve, OCC). CFR parts it amends: 12 CFR 15; 12 CFR 262; 12 CFR 304; 12 CFR 753; 12 CFR 1077; 12 CFR 1226; 17 CFR 140; 17 CFR 256; 31 CFR 151 (CSV `cfr parts`); its CFR heading and its amendatory instruction name the same parts. Who must comply (CSV `who must comply`): OCC, Board, FDIC, NCUA, CFPB, FHFA, CFTC, SEC and Treasury; the rule says no member of the public is required to comply.
(a) CFR heading of the rule text: body lines 16-44 of the P1-T-2026-12787 response (pull 1, 2026-11-07T15:18:54Z), GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 15

[Docket ID OCC-2024-0012]
RIN 1557-AF22

FEDERAL RESERVE SYSTEM

12 CFR Part 262

[Docket No. R-1837]
RIN 7100 AG-79

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 304

RIN 3064-AF96

NATIONAL CREDIT UNION ADMINISTRATION

12 CFR Part 753

RIN 3133-AF70

CONSUMER FINANCIAL PROTECTION BUREAU
```
(a) CFR heading of the rule text, continued: body lines 46-73 of the P1-T-2026-12787 response (pull 1, 2026-11-07T15:18:54Z), GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
12 CFR Part 1077

[Docket No. CFPB-2024-0034]
RIN 3170-AB20

FEDERAL HOUSING FINANCE AGENCY

12 CFR Part 1226

RIN 2590-AB38

COMMODITY FUTURES TRADING COMMISION

17 CFR Part 140

RIN 3038-AF43

SECURITIES AND EXCHANGE COMMISSION

17 CFR Part 256

[Release No. 33-11420; 34-105536; IA-6967; IC-36163; File No. S7-2024-
05]
RIN 3235-AN32

DEPARTMENT OF THE TREASURY

31 CFR Part 151
```
(b) Amended part, amendatory instruction and PART heading: body lines 3151-3156 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble and under the 
authority of 12 U.S.C. 5334, the Office of the Comptroller of the 
Currency amends chapter I of title 12 of the Code of Federal 
Regulations as follows:

PART 15--FINANCIAL DATA TRANSPARENCY
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3173-3178 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the Board of 
Governors of the Federal Reserve System amends part 262 of subchapter A 
of chapter II of title 12 of the Code of Federal Regulations as 
follows:

PART 262--RULES OF PROCEDURE
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3221-3225 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the Board of 
Directors of the Federal Deposit Insurance Corporation amends part 304 
of title 12 of the Code of Federal Regulations as follows:

PART 304--FORMS, INSTRUCTIONS, AND REPORTS
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3257-3261 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the National 
Credit Union Administration amends chapter VII of title 12 of the Code 
of Federal Regulations as follows:

PART 753--FINANCIAL DATA TRANSPARENCY
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3278-3285 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the Consumer

[[Page 38269]]

Financial Protection Bureau amends chapter X of title 12 of the Code of 
Federal Regulations as follows:

PART 1077--FINANCIAL DATA TRANSPARENCY
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3302-3307 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, and under the 
authority of 12 U.S.C. 4526, the Federal Housing Finance Agency amends 
subchapter B of chapter XII of title 12 of the Code of Federal 
Regulations as follows:

PART 1226--FINANCIAL DATA TRANSPARENCY
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3324-3327 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the Commodity 
Futures Trading Commission amends 17 CFR part 140 as follows:

PART 140--ORGANIZATION, FUNCTIONS, AND PROCEDURES OF THE COMMISSION
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3434-3438 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the common preamble, the Securities 
and Exchange Commission amends chapter II of title 17 of the Code of 
Federal Regulations as follows:

PART 256--FINANCIAL DATA TRANSPARENCY
```
(b) Next amended part, amendatory instruction and PART heading: body lines 3456-3460 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
    For the reasons set forth in the preamble, the Department of the 
Treasury amends chapter I of title 31 of the Code of Federal 
Regulations as follows:

PART 151--FINANCIAL DATA TRANSPARENCY
```
(c) Who must comply, as the rule text states it: body lines 93-103 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
SUMMARY: The OCC, Board, FDIC, NCUA, CFPB, FHFA, CFTC, SEC, and 
Treasury are publishing a final joint rule to establish data standards 
to promote interoperability of financial regulatory data across these 
agencies. The standards established pursuant to this joint rule will 
later be considered for potential incorporation (to the extent 
feasible) into data standards to be adopted for certain collections of 
information in separate rulemakings by the agencies or through other 
actions taken by the agencies. At the effective date, the joint rule 
will not change any reporting requirements without further action by 
the agencies. The agencies are publishing this joint rule as required 
by the Financial Data Transparency Act of 2022.
```
(c) Who must comply, as the rule text states it, continued: body lines 829-833 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/25/2026-12787.txt
```
reference.\38\ However, the Agencies are not modifying any provisions 
in the final joint rule for this purpose because the final joint rule 
is merely establishing the relevant data standards, and no member of 
the public will be required to comply with, or be adversely affected 
by, this final joint rule. Each Agency, when adopting the joint 
```

4.64. C1-2026-10036 (lists: OCC). CFR parts it amends: none (the rule text changes no CFR text). CFR part the rule text names in its heading: 12 CFR 34; 12 CFR 160 (CSV `cfr parts`). Who must comply (CSV `who must comply`): None (correction document).
(a) CFR heading of the rule text: body lines 36-40 of the P1-T-C1-2026-10036 response (pull 1, 2026-11-07T15:18:57Z), GET https://www.federalregister.gov/documents/full_text/text/2026/06/29/C1-2026-10036.txt
```
DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Parts 34 and 160
```
(b) No amendatory instruction: no line of the P1-T-C1-2026-10036 response starts with `PART` and a part number followed by `--`, and no sentence in it amends, corrects, removes or reserves a CFR part (whole body, 58 lines, SHA-256 3e813e5076f54a84f96382e917fda8e94f948501ce12ebac6d52d7cd3be5adf9). So the rule changes no CFR text, and the CSV cell is the part its CFR heading (a) names.
(c) Who must comply, as the rule text states it: body lines 48-51 of the same response, GET https://www.federalregister.gov/documents/full_text/text/2026/06/29/C1-2026-10036.txt
```
    In rule document 2026-10036 beginning on page 29340 in the issue of 
Tuesday, May 19, 2026, make the following correction:
    On page 29340, in the first column, the heading should read as set 
forth above.
```
5. [x] The PLATFORM RECORD shows a PULL 1: note and a PULL 2: note at least 24 hours later, each with its CSV's row count and SHA-256 as under DATA FILES; pull 2's source time is later than pull 1's; the change counts agree with both CSV files.
   PULL 1: note recorded 2026-11-08T17:46:04Z (bank-rules-pull1.csv, 64 rows, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3); PULL 2: note recorded 2026-11-09T17:47:31Z (bank-rules-pull2.csv, 64 rows, SHA-256 ac712842402d8721ca61e95989c9e30be9b8c23692f1d2cdfac7eef5849224b3); 24 h 1 min apart. These are the revision 2 notes, filed after both corrected files were re-attached under their names; the first pair (2026-11-07T15:25:55Z and 2026-11-08T15:27:37Z, 24 h 1 min apart) named the files as first attached (SHA-256 3e3ed3d35af57bb1b7599bd1a134b0c8aa81d0fd6382f6f67b3f45064bcfb0fb). Source times: pull 1 Sat, 07 Nov 2026 15:16:47 GMT, pull 2 Sun, 08 Nov 2026 15:27:30 GMT. Change counts: new 0, gone 0, changed 0; 64 = 64 + 0 - 0.