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The National Credit Union Administration (NCUA) Board finalized a new rule allowing certain credit unions to issue subordinated debt to boost their regulatory capital. This rule primarily affects low-income designated credit unions, complex credit unions, and new credit unions. The final rule outlines several requirements such as amending the definition of "Accredited Investor," setting disclosure guidelines, and reviewing credit unions' applications to issue subordinated debt. Additionally, it includes changes aiming to safeguard both the credit unions and the National Credit Union Share Insurance Fund (NCUSIF) from increased financial risk.

The U.S. Fish and Wildlife Service has officially listed the swale paintbrush, a plant from New Mexico and parts of Mexico, as an endangered species under the Endangered Species Act of 1973. This final rule provides protections for the plant, which is at risk due to habitat loss, climate change, and other threats, though no critical habitat will be designated due to collection risks. The decision's goal is to prevent the plant from becoming extinct, recognizing its precarious status with actions set to be effective on January 6, 2025.

The U.S. Fish and Wildlife Service is proposing to classify the monarch butterfly as a threatened species under the Endangered Species Act. They aim to designate critical habitat areas, particularly in California, to protect these butterflies. Additionally, they plan to allow certain activities, like habitat restoration and conservation efforts, even if they might unintentionally harm some butterflies. Public comments on the proposal will be accepted until March 12, 2025, and informational meetings are scheduled to discuss the details further.

The U.S. Fish and Wildlife Service has proposed listing the Clear Lake hitch, a type of fish found only in California's Clear Lake watershed, as a threatened species under the Endangered Species Act. This decision comes after reviewing scientific data showing threats such as habitat loss, predation, and climate change impacts. The proposal includes protective measures to help conserve the species, such as controlling illegal pesticide use and managing habitats. The agency is accepting public comments on this proposed rule until March 17, 2025.

The U.S. Fish and Wildlife Service is proposing new hunting regulations for migratory game birds for the 2021-22 season, which include setting season lengths, bag limits, and shooting hours. These frameworks allow states to adjust their seasons while ensuring sustainable population levels of game birds. The proposal also involves minor changes to existing regulations to improve management processes. Public comments on these proposals are being accepted until March 24, 2021.

The Consumer Financial Protection Bureau (CFPB) is proposing a new rule to prevent the use of unfair terms in contracts for consumer financial products, such as credit cards and loans. This proposal aims to stop businesses from including terms that waive consumers' legal rights, allow companies to unilaterally change contracts, or prevent consumers from expressing their opinions about the services. Additionally, the rule will officially codify prohibitions from an existing Federal Trade Commission rule that limits certain unfair credit practices. The CFPB is inviting public comments on these proposed changes until April 1, 2025.

The National Marine Fisheries Service (NMFS) issued an Incidental Harassment Authorization (IHA) to the Alaska Gasline Development Corporation for their construction activities related to the Alaska Liquefied Natural Gas Project at Prudhoe Bay, Alaska. This authorization allows the incidental harassment of small numbers of marine mammals, including whales and seals, during the construction activities, with measures in place to minimize impacts. The authorization requires stopping pile driving activities during the Nuiqsut whaling season and includes several mitigation efforts like mandatory observation by trained professionals to protect these animals. The NMFS concluded that these construction activities would not significantly affect the survival or recovery of endangered or threatened species under the Endangered Species Act.

The Food and Drug Administration (FDA) is updating the definition of the term "healthy" as it applies to food labeling to align with current nutrition science and dietary guidelines. This new rule outlines what food manufacturers must meet to label their products as "healthy," focusing on food groups and limiting certain nutrients like added sugars, saturated fats, and sodium. The rule aims to help consumers make better choices for maintaining a nutritious diet and to reduce diet-related chronic diseases. It is designed to ensure that foods labeled as "healthy" provide accurate and helpful information, promoting overall health and nutrition equity.

The U.S. Fish and Wildlife Service is proposing changes to the listing and management of grizzly bears in the lower 48 states. They intend to redefine the grizzly bear's geographic boundaries as a distinct population segment (DPS) and retain its threatened status under the Endangered Species Act. The proposal aims to promote conservation by clarifying areas suitable for grizzly bears, including revisions to protective regulations under section 4(d) of the Act. Public comments on the proposed changes will be accepted until March 17, 2025, along with multiple public informational meetings and hearings scheduled in early 2025.

The Federal Trade Commission (FTC) has introduced a final rule called the Rule on Unfair or Deceptive Fees. This rule aims to prevent businesses from misleading consumers about the prices of live-event tickets and short-term lodging. It requires businesses to clearly disclose the total price that includes all mandatory fees, to avoid bait-and-switch tactics that hide the real cost. The rule also prohibits businesses from lying about the nature, purpose, amount, or refundability of these fees, ensuring that consumers have a true understanding of the cost before making a purchase.