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Regulatory

Federal agency enforcement actions, rulemaking, and regulatory developments. Coverage of the SEC, FTC, CFPB, CFTC, OSHA, FDA, and other agencies shaping compliance and industry standards.

Regulatory
•4 min read

Federal Agencies Raise Mortgage Appraisal Threshold to $34,200

The Consumer Financial Protection Bureau, Federal Reserve Board, and Office of the Comptroller of the Currency announced that the 2026 threshold for higher-priced mortgage loans subject to special appraisal requirements will increase from $33,500 to $34,200.

•Three federal agencies jointly increased the small loan exemption threshold from $33,500 to $34,200 for 2026
•Loans below the threshold are exempt from enhanced appraisal requirements for higher-priced mortgages
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Regulatory
•4 min read

Danone Recalls So Delicious Frozen Dessert Pints Over Foreign Material

Danone U.S. has issued a voluntary nationwide recall of So Delicious Dairy Free Salted Caramel Cluster frozen dessert pints due to potential foreign material contamination. The recall affects products with best-by dates before August 8, 2027.

•Voluntary recall affects So Delicious Dairy Free Salted Caramel Cluster frozen dessert pints nationwide
•Products with best-by dates before August 8, 2027 are included in the recall
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Regulatory
•4 min read

Fed Terminates Enforcement Actions Against Credit Suisse and JPMorgan

The Federal Reserve Board announced Wednesday the termination of enforcement actions against multiple Credit Suisse entities and JPMorgan Chase & Co. The conclusion of these regulatory proceedings marks the end of formal federal banking oversight actions that had been in place against these major financial institutions.

•Federal Reserve terminates enforcement actions against multiple Credit Suisse entities and JPMorgan Chase & Co.
•Termination affects Credit Suisse Group AG, Credit Suisse AG, Credit Suisse Holdings (USA), Inc., and Credit Suisse AG New York Branch
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Regulatory
•4 min read

FTC Reports Unwanted Calls Down 48% Since 2021 Peak Despite Rising 2025

The Federal Trade Commission released its annual Do Not Call Registry Data Book for Fiscal Year 2025, revealing that while overall complaints increased in 2025, unwanted calls remain 48% lower than their 2021 peak when the agency received five million reports. The registry now protects 258.5 million phone numbers.

•Unwanted call complaints remain 48% below 2021 levels despite FY 2025 increase
•Do Not Call Registry reached 258.5 million active registrations, up 1.9% from 2024
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Regulatory
•4 min read

FTC Sues to Block $725M Henkel-Liquid Nails Construction Adhesive Merger

The Federal Trade Commission filed a lawsuit to block Henkel AG's $725 million acquisition of Liquid Nails, citing concerns that combining the two dominant construction adhesive brands would eliminate competition and drive up costs for American consumers building and maintaining homes.

•FTC seeks to block $725 million acquisition of Liquid Nails by Henkel, maker of Loctite brand adhesives
•Combined company would dominate construction adhesive market at major retailers like Home Depot and Lowe's
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Regulatory
•4 min read

FTC Distributes $9.6M to CarShield Customers Over False Ads

The Federal Trade Commission is distributing more than $9.6 million in refunds to over 168,000 consumers who purchased vehicle service contracts from CarShield and American Auto Shield following deceptive advertising practices. The settlement stems from a July 2024 FTC complaint alleging the companies misled customers about coverage terms, repair facility choices, and rental car benefits.

•FTC distributing $9.6 million to 168,179 consumers misled by CarShield's vehicle service contract advertising
•CarShield and American Auto Shield settled July 2024 FTC complaint for nearly $10 million over deceptive marketing practices
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Regulatory
•4 min read

FDA Proposes Adding Bemotrizinol to Approved Sunscreen Ingredients

The U.S. Food and Drug Administration announced a proposal to add bemotrizinol as a permitted active ingredient for sunscreens, marking a significant step in the agency's broader initiative to advance sunscreen innovation through the Office of Nonprescription Drugs.

•FDA proposes adding bemotrizinol as a permitted active ingredient for sunscreens
•The proposal is part of a broader Office of Nonprescription Drugs initiative to advance sunscreen innovation
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Regulatory
•4 min read

SEC Charges Canadian Citizen With Discord Investment Fraud

The Securities and Exchange Commission charged Canadian citizen Nathan Gauvin and three controlled entities with orchestrating fraudulent securities schemes that targeted retail investors through the Discord platform.

•SEC charged Canadian citizen Nathan Gauvin and three controlled entities with securities fraud targeting retail investors
•Fraudulent schemes operated through Discord platform to reach and deceive individual investors
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Regulatory
•4 min read

Teva Removes 200+ Patent Listings After FTC Challenge

Teva Pharmaceuticals has agreed to remove more than 200 improper patent listings from the FDA's Orange Book after receiving warning letters from the Federal Trade Commission in May 2025. The action opens the market to generic alternatives for over 30 medications including asthma, diabetes, and COPD treatments.

•Teva requested FDA remove 200+ improper patent listings from Orange Book after FTC warning letters
•Removals affect generic competition for 30+ drugs including asthma, diabetes, COPD medications and epinephrine autoinjectors
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Regulatory
•4 min read

DOL Issues 7 OSHA Letters Clarifying Workplace Safety Requirements

The U.S. Department of Labor issued seven letters of interpretation on December 10, 2025, addressing workplace safety and health requirements under OSHA regulations. The guidance letters provide employers with regulatory clarity on compliance standards and specific interpretations of existing workplace safety obligations.

•Seven interpretation letters released by Department of Labor through OSHA on December 10, 2025
•Letters provide regulatory clarity on workplace safety and health requirements for employers
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