Unknown. Final rule; official interpretation

3,519 words·~16 min read·/register/2026/01/07/2026-00087·

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--- schema: federal-register doc_type: fedreg source_file: FR-2026-01-07.xml --- 91 4 Wednesday, January 7, 2026 Contents Agriculture Agriculture Department See Animal and Plant Health Inspection Service See Food and Nutrition Service NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 494 2026-00044 Animal Animal and Plant Health Inspection Service NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Animal Disease Traceability, 495-496 2026-00097 Restricted, Prohibited, and Controlled Importation of Animal and Poultry Products and Byproducts into the United States, 494-495 2026-00095 Consumer Financial Protection Bureau of Consumer Financial Protection RULES Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold, 445-447 2026-00087 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold, 447-452 2026-00085 NOTICES Consumer Credit Card Market Report, 2025, 504-505 2026-00081 Coast Guard Coast Guard RULES 2024 Quarterly Listings:

First Quarter; Safety Zones, Security Zones, and Special Local Regulations, 452-453 2026-00077 PROPOSED RULES Safety Zone: West of Cyril E. King Airport, St. Thomas, VI, 490-492 2026-00048 Commerce Commerce Department See International Trade Administration See National Oceanic and Atmospheric Administration Defense Department Defense Department NOTICES Arms Sales; Correction, 505-506 2026-00029 Energy Department Energy Department See Federal Energy Regulatory Commission Environmental Protection Environmental Protection Agency PROPOSED RULES Hazardous and Solid Waste Management System:

Disposal of Coal Combustion Residuals From Electric Utilities; Extension of an Alternative Closure Requirement Deadline, 492-493 2026-00084 Federal Aviation Federal Aviation Administration PROPOSED RULES Airworthiness Directives: De Havilland Aircraft of Canada Limited (Type Certificate Previously Held by Bombardier, Inc.) Airplanes, 454-457 2026-00117 Gulfstream Aerospace LP Airplanes, 457-459 2026-00119 Requirements for Interference-Tolerant Radio Altimeter Systems, 459-490 2026-00051 Federal Contract Federal Contract Compliance Programs Office NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Vietnam Era Veterans' Readjustment Assistance Act of 1974, As Amended, 541-542 2026-00047 Federal Deposit Federal Deposit Insurance Corporation NOTICES Community Reinvestment Act Regulations Asset-Size Thresholds, 509-510 2026-00042 Federal Energy Federal Energy Regulatory Commission NOTICES Combined Filings, 506-508 2026-00078 2026-00080 Federal Reserve Federal Reserve System NOTICES Change in Bank Control: Acquisitions of Shares of a Bank or Bank Holding Company, 508-509 2026-00052 Community Reinvestment Act Regulations Asset-Size Thresholds, 509-510 2026-00042 Food and Nutrition Food and Nutrition Service NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Supplemental Nutrition Assistance Program: A Review of Major Changes in Program Design and Management Evaluation Systems, 496-499 2026-00091 Foreign Assets Foreign Assets Control Office NOTICES Sanctions Actions, 551 2026-00075 Health and Human Health and Human Services Department See Health Resources and Services Administration See National Institutes of Health Health Resources Health Resources and Services Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: COVID-19 Provider Relief Fund and American Rescue Plan Rural Payment Reporting Activities, 512-513 2026-00088 Ryan White HIV/AIDS Program Parts A and B Unobligated Balances and Rebate Addendum Tables, 510-512 2026-00083 Homeland Homeland Security Department See Coast Guard See U.S. Citizenship and Immigration Services Housing Housing and Urban Development Department NOTICES Tribal Intergovernmental Advisory Committee Membership Announcement, 515-516 2026-00089 Interior Interior Department See Land Management Bureau See National Park Service International Trade Adm International Trade Administration NOTICES Antidumping or Countervailing Duty Investigations, Orders, or Reviews:

Hexamethylenetetramine from Germany, India, and Saudi Arabia, 501-504 2026-00092 Hexamethylenetetramine from India, 499-501 2026-00093 International Trade Com International Trade Commission NOTICES Investigations; Determinations, Modifications, and Rulings, etc.: Certain Bicycle Trainers and Components Thereof, 540-541 2026-00038 Certain Screen Protectors, Screen Protector Systems, and Components Thereof, 539-540 2026-00033 Certain Skid-steer Loaders, Compact Track Loaders, Excavators, Wheel Loaders, Dozers, and Components Thereof, 538 2026-00032 Thermoformed Molded Fiber Products from China and Vietnam, 537-538 2026-00076 Utility Scale Wind Towers from Canada, Indonesia, South Korea, and Vietnam, 538-539 2026-00082 Labor Department Labor Department See Federal Contract Compliance Programs Office Land Land Management Bureau NOTICES Application:

Recordable Disclaimer of Interest for Lands Underlying Portions of the Delta River, Tangle River, and Tangle Lakes, in Alaska, 516-517 2026-00031 Recordable Disclaimer of Interest for Lands Underlying Portions of the East Fork of the Arolik River, the Arolik River, and Arolik Lake in Alaska, 517-518 2026-00034 Recordable Disclaimer of Interest for Lands Underlying Portions of the Goodnews River System, Alaska, 518-519 2026-00035 Recordable Disclaimer of Interest for Lands Underlying Portions of the Kwethluk River in Alaska, 520-521 2026-00041 Recordable Disclaimer of Interest for Lands Underlying Portions of the West Fork of the Dennison Fork and the Dennison Fork of the Fortymile River in Alaska, 519-520 2026-00030 Maritime Maritime Administration NOTICES Use of Foreign-Built Small Passenger Vessel in United States Coastwise Trade:

M/V FORTUNA, 550-551 2026-00098 S/V SEAS THE MOMENT, 549-550 2026-00096 National Institute National Institutes of Health NOTICES Hearings, Meetings, Proceedings, etc.: National Human Genome Research Institute, 513-514 2026-00053 2026-00074 National Oceanic National Oceanic and Atmospheric Administration NOTICES Hearings, Meetings, Proceedings, etc.: Interagency Marine Debris Coordinating Committee, 504 2026-00050 National Park National Park Service NOTICES Inventory Completion:

Alabama Department of Transportation, Montgomery, AL, 534 2026-00054 California State Department of Transportation, Sacramento, CA, 528-529 2026-00067 Case Western Reserve University, Cleveland, OH, 525-526 2026-00065 Hood Museum of Art, Dartmouth College, Hanover, NH, 533-534 2026-00066 Mercyhurst University, Erie, PA, 535-536 2026-00061 Museum of the Cherokee People, Cherokee, NC, 527-528 2026-00057 Peabody Museum of Archaeology and Ethnology, Harvard University, Cambridge, MA, 529-530 2026-00060 S'edav Va'aki Museum, City of Phoenix, Phoenix, AZ;

Amendment, 529 2026-00056 U.S. Army Corps of Engineers, San Francisco District, San Francisco, CA, 522-523 2026-00058 U.S. Department of Defense, Division of Air Force, Tyndall Air Force Base, Port Saint Joe, FL, 521-522 2026-00055 Repatriation of Cultural Items: Field Museum, Chicago, IL, 525 2026-00070 Fowler Museum, University of California, Los Angeles, Los Angeles, CA, 523-525 2026-00073 Museum of Art, Rhode Island School of Design, Providence, RI, 536-537 2026-00068 Pacific Grove Museum of Natural History, Pacific Grove, CA, 526-527 2026-00069 Shelburne Museum, Shelburne, VT, 522 2026-00064 Sinclair Community College, Dayton, OH, 531 2026-00062 U.S Department of the Interior, Bureau of Indian Affairs, Washington, DC, and Northern Arizona University, Flagstaff, AZ, 534-535 2026-00072 U.S.

Army Corps of Engineers, San Francisco District, San Francisco, CA, 531-532 2026-00059 University of Florida, Florida Museum of Natural History, Gainesville, FL, 532-533 2026-00071 Wilson Museum, Castine, ME, 530-531 2026-00063 Nuclear Regulatory Nuclear Regulatory Commission NOTICES Permits; Applications, Issuances, etc.: Duke Energy Corp.; Belews Creek, 542 2026-00090 Securities Securities and Exchange Commission NOTICES Application: Source Capital/DE/, et al., 542-543 2026-00036 Deregistration under the Investment Company Act of 1940, 548-549 2026-00037 Self-Regulatory Organizations;

Proposed Rule Changes: Cboe BYX Exchange, Inc., 546-548 2026-00040 Cboe BZX Exchange, Inc., 543-546 2026-00039 Transportation Department Transportation Department See Federal Aviation Administration See Maritime Administration Treasury Treasury Department See Foreign Assets Control Office U.S. Citizenship U.S. Citizenship and Immigration Services NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Application for Free Training for Civics and Citizenship Teachers of Adults;

Civics and Citizenship Toolkit, 514-515 2026-00045 Veteran Affairs Veterans Affairs Department NOTICES Hearings, Meetings, Proceedings, etc.: Cooperative Studies Scientific Evaluation Committee, 552 2026-00086 Joint Biomedical Laboratory and Clinical Science Research and Development Services Scientific Merit Review Board, 552 2026-00094 Reader Aids Consult the Reader Aids section at the end of this issue for phone numbers, online resources, finding aids, and notice of recently enacted public laws.

To subscribe to the Federal Register Table of Contents electronic mailing list, go to https://public.govdelivery.com/accounts/USGPOOFR/subscriber/new, enter your e-mail address, then follow the instructions to join, leave, or manage your subscription. 91 4 Wednesday, January 7, 2026 Rules and Regulations CONSUMER FINANCIAL PROTECTION BUREAU 12 CFR Part 1003 Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold AGENCY: Consumer Financial Protection Bureau.

ACTION: Final rule; official interpretation. 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. DATES: This rule is effective on January 7, 2026. FOR FURTHER INFORMATION CONTACT: Dave Gettler, Paralegal Specialist, Office of Regulations, at

(202)435-7700 or at: *https://reginquiries.consumerfinance.gov.* If you require this document in an alternative electronic format, please contact *CFPB_Accessibility@cfpb.gov.* SUPPLEMENTARY INFORMATION: The Bureau is amending Regulation C, which implements the Home Mortgage Disclosure Act of 1975

(HMDA)asset thresholds, to establish the asset-sized exemption threshold for depository financial institutions for 2026. The asset threshold will be $59 million for 2026. I. Background HMDA requires most mortgage lenders located in metropolitan areas to collect data about their housing-related lending activity. 1 Annually, lenders must report their data to the appropriate Federal agencies and make the data available to the public. The Bureau's Regulation C implements HMDA. 2 1 12 U.S.C. 2801-2810. 2 12 CFR part 1003. Prior to 1997, HMDA exempted certain depository institutions as defined in HMDA ( *i.e.,* banks, savings associations, and credit unions) with assets totaling $10 million or less as of the preceding year-end. In 1996, HMDA was amended to expand the asset-size exemption for these depository institutions. 3 The amendment increased the dollar amount of the asset-size exemption threshold by requiring a one-time adjustment of the $10 million figure based on the percentage by which the CPI-W for 1996 exceeded the CPI-W for 1975, and it provided for annual adjustments thereafter based on the annual percentage increase in the CPI-W, rounded to the nearest multiple of $1 million. 3 12 U.S.C. 2808(b). The definition of “financial institution” in § 1003.2(g) provides that the Bureau will adjust the asset threshold based on the year-to-year change in the average of the CPI-W, not seasonally adjusted, for each 12-month period ending in November, rounded to the nearest $1 million. For 2025, the threshold was $58 million. During the 12-month period ending in November 2025, the average of the CPI-W increased by 2.5 percent. 4 As a result, the exemption threshold is increased to $59 million for 2026. Thus, banks, savings associations, and credit unions with assets of $59 million or less as of December 31, 2025, are exempt from collecting data in 2026. An institution's exemption from collecting data in 2026 does not affect its responsibility to report data it was required to collect in 2025. 4 The non-seasonally adjusted Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for October 2025 was not reported by the Bureau of Labor Statistics (BLS). Accordingly, the Bureau excluded October 2025 from its calculation of the average CPI-W for the 12-month period ending in November 2025. II. Procedural Requirements A. Administrative Procedure Act Under the Administrative Procedure Act (APA), notice and opportunity for public comment are not required if the Bureau finds that notice and opportunity for public comment are impracticable, unnecessary, or contrary to the public interest. 5 Pursuant to this final rule, comment 2(g)-2 in Regulation C, supplement I, is amended to update the exemption threshold. The amendment in this final rule is technical and non-discretionary, and it merely applies the formula established by Regulation C for determining any adjustments to the exemption threshold. For these reasons, the Bureau has determined that publishing a notice of proposed rulemaking and providing opportunity for public comment are unnecessary. Therefore, the amendment is adopted in final form. 5 5 U.S.C. 553(b)(B). Section 553(d) of the APA generally requires publication of a final rule not less than 30 days before its effective date, except in the case of

(1)a substantive rule which grants or recognizes an exemption or relieves a restriction;

(2)interpretive rules and statements of policy; or

(3)as otherwise provided by the agency for good cause found and published with the rule. 6 At a minimum, the Bureau has determined that the amendment falls under the third exception to section 553(d). The Bureau finds that there is good cause to make the amendment effective as of the date of publication in the **Federal Register** . The amendment in this final rule is technical and non-discretionary, and it applies the method previously established in the agency's regulations for determining adjustments to the threshold. 6 5 U.S.C. 553(d). B. Regulatory Flexibility Act The Regulatory Flexibility Act

(RFA)does not apply to a rulemaking where a general notice of proposed rulemaking is not required. 7 As noted previously, the Bureau has determined that it is unnecessary to publish a general notice of proposed rulemaking for this final rule. Accordingly, the RFA's requirement relating to an initial and final regulatory flexibility analysis does not apply. 7 5 U.S.C. 603(a), 604(a). C. Paperwork Reduction Act Under the Paperwork Reduction Act of 1995

(PRA)(44 U.S.C. 3501 *et seq.* ), Federal agencies are generally required to seek the Office of Management and Budget (OMB)'s approval for information collection requirements prior to implementation. Under the PRA, the Bureau may not conduct or sponsor and, notwithstanding any other provision of law, a person is not required to respond to an information collection unless the information collection displays a valid control number assigned by OMB. The Bureau has determined that this final rule would not impose any new or revised information collection requirements (recordkeeping, reporting or disclosure requirements) that would constitute collections of information requiring OMB approval under the PRA. D. Executive Order 12866 The Office of Information and Regulatory Affairs within the Office of Management and Budget

(OMB)has determined that this action is not a “significant regulatory action” under E.O. 12866, as amended. D. Congressional Review Act Pursuant to the Congressional Review Act, the Bureau will submit a report containing this rule and other required information to the United States Senate, the United States House of Representatives, and the Comptroller General of the United States prior to the rule taking effect. 8 The Office of Information and Regulatory Affairs

(OIRA)has designated this rule as not a “major rule” as defined by 5 U.S.C. 804(2). 8 5 U.S.C. 801 *et seq.* List of Subjects in 12 CFR Part 1003 Banks, Banking, Credit unions, Mortgages, National banks, Reporting and recordkeeping requirements, Savings associations. Authority and Issuance 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) 1. The authority citation for part 1003 continues to read as follows: Authority: 12 U.S.C. 2803, 2804, 2805, 5512, 5581. 2. Supplement I to part 1003 is amended by revising *2(g) Financial Institution* under the heading *Section 1003.2—Definitions* to read as follows: Supplement I to Part 1003—Official Interpretations Section 1003.2—Definitions 2(g) Financial Institution 1. *Preceding calendar year and preceding December 31.* The definition of financial institution refers both to the preceding calendar year and the preceding December 31. These terms refer to the calendar year and the December 31 preceding the current calendar year. For example, in 2019, the preceding calendar year is 2018 and the preceding December 31 is December 31, 2018. Accordingly, in 2019, Financial Institution A satisfies the asset-size threshold described in § 1003.2(g)(1)(i) if its assets exceeded the threshold specified in comment 2(g)-2 on December 31, 2018. Likewise, in 2020, Financial Institution A does not meet the loan-volume test described in § 1003.2(g)(1)(v)(A) if it originated fewer than 25 closed-end mortgage loans during either 2018 or 2019. 2. *Adjustment of exemption threshold for banks, savings associations, and credit unions.* For data collection in 2026, the asset-size exemption threshold is $59 million. Banks, savings associations, and credit unions with assets at or below $59 million as of December 31, 2025, are exempt from collecting data for 2026. *3. Merger or acquisition—coverage of surviving or newly formed institution.* After a merger or acquisition, the surviving or newly formed institution is a financial institution under § 1003.2(g) if it, considering the combined assets, location, and lending activity of the surviving or newly formed institution and the merged or acquired institutions or acquired branches, satisfies the criteria included in § 1003.2(g). For example, A and B merge. The surviving or newly formed institution meets the loan threshold described in § 1003.2(g)(1)(v)(B) if the surviving or newly formed institution, A, and B originated a combined total of at least 200 open-end lines of credit in each of the two preceding calendar years. Likewise, the surviving or newly formed institution meets the asset-size threshold in § 1003.2(g)(1)(i) if its assets and the combined assets of A and B on December 31 of the preceding calendar year exceeded the threshold described in § 1003.2(g)(1)(i). Comment 2(g)-4 discusses a financial institution's responsibilities during the calendar year of a merger. *4. Merger or acquisition—coverage for calendar year of merger or acquisition.* The scenarios described below illustrate a financial institution's responsibilities for the calendar year of a merger or acquisition. For purposes of these illustrations, a “covered institution” means a financial institution, as defined in § 1003.2(g), that is not exempt from reporting under § 1003.3(a), and “an institution that is not covered” means either an institution that is not a financial institution, as defined in § 1003.2(g), or an institution that is exempt from reporting under § 1003.3(a). i. Two institutions that are not covered merge. The surviving or newly formed institution meets all of the requirements necessary to be a covered institution. No data collection is required for the calendar year of the merger (even though the merger creates an institution that meets all of the requirements necessary to be a covered institution). When a branch office of an institution that is not covered is acquired by another institution that is not covered, and the acquisition results in a covered institution, no data collection is required for the calendar year of the acquisition. ii. A covered institution and an institution that is not covered merge. The covered institution is the surviving institution, or a new covered institution is formed. For the calendar year of the merger, data collection is required for covered loans and applications handled in the offices of the merged institution that was previously covered and is optional for covered loans and applications handled in offices of the merged institution that was previously not covered. When a covered institution acquires a branch office of an institution that is not covered, data collection is optional for covered loans and applications handled by the acquired branch office for the calendar year of the acquisition. iii. A covered institution and an institution that is not covered merge. The institution that is not covered is the surviving institution, or a new institution that is not covered is formed. For the calendar year of the merger, data collection is required for covered loans and applications handled in offices of the previously covered institution that took place prior to the merger. After the merger date, data collection is optional for covered loans and applications handled in the offices of the institution that was previously covered. When an institution remains not covered after acquiring a branch office of a covered institution, data collection is required for transactions of the acquired branch office that take place prior to the acquisition. Data collection by the acquired branch office is optional for transactions taking place in the remainder of the calendar year after the acquisition. iv. Two covered institutions merge. The surviving or newly formed institution is a covered institution. Data collection is required for the entire calendar year of the merger. The surviving or newly formed institution files either a consolidated submission or separate submissions for that calendar year. When a covered institution acquires a branch office of a covered institution, data collection is required for the entire calendar year of the merger. Data for the acquired branch office may be submitted by either institution. *5. Originations.* Whether an institution is a financial institution depends in part on whether the institution originated at least 25 closed-end mortgage loans in each of the two preceding calendar years or at least 200 open-end lines of credit in each of the two preceding calendar years. Comments 4(a)-2 through -4 discuss whether activities with respect to a particular closed-end mortgage loan or open-end line of credit constitute an origination for purposes of § 1003.2(g). *6. Branches of foreign banks—treated as banks.* A Federal branch or a State-licensed or insured branch of a foreign bank that meets the definition of a “bank” under section 3(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1813(a)) is a bank for the purposes of § 1003.2(g). *7. Branches and offices of foreign banks and other entities—treated as nondepository financial institutions.* A Federal agency, State-licensed agency, State-licensed uninsured branch of a foreign bank, commercial lending company owned or controlled by a foreign bank, or entity operating under section 25 or 25A of the Federal Reserve Act, 12 U.S.C. 601 and 611 (Edge Act and agreement corporations) may not meet the definition of “bank” under the Federal Deposit Insurance Act and may thereby fail to satisfy the definition of a depository financial institution under § 1003.2(g)(1). An entity is nonetheless a financial institution if it meets the definition of nondepository financial institution under § 1003.2(g)(2). Russell Vought, Acting Director, Consumer Financial Protection Bureau. [FR Doc. 2026-00087 Filed 1-6-26; 8:45 am]

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