WASHINGTON, March 31 -- The U.S. Environmental Protection Agency has released the following public communication dated March 18, 2025, from the American Composites Manufacturers Association. Here are excerpts: * * * To: Sarah Y. Au, Ph.D. Data Gathering and Analysis Division Office of Pollution Prevention and Toxics U.S. Environmental Protection Agency 1200 Pennsylvania Ave. NW, 7406M Washington, DC 20460-0001 Re: Comments on Initiation of Prioritization of Styrene under the Toxic Subst  more

WASHINGTON, March 31 -- The Federal Acquisition Regulation Council has released the following public communication dated March 17, 2025, from the Edison Electric Institute. Here are excerpts: * * * To: Department of Defense, General Services Administration, National Aeronautics and Space Administration Re: Docket No. FAR-2017-016, Controlled Unclassified Information (CUI) COMMENTS OF THE EDISON ELECTRIC INSTITUTE ON THE DEPARTMENT OF DEFENSE, GENERAL SERVICES ADMINISTRATION, NATIONAL AERONA  more

MINNEAPOLIS, Minnesota, March 29 (TNSrep) -- The Federal Reserve Bank of Minneapolis issued the following Economic Research report (No. 668) on March 28, 2025 by Erik Hurst, Patrick J. Kehoe, Elena Pastorino and Thomas Winberry entitled "The Macroeconomic Dynamics of Labor Market Policies." New Economic Model Examines Long-Term Impact of Labor Market Policies A new study by economists from Chicago Booth, Stanford University, and the University of Pennsylvania introduces a dynamic macroeconomic  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in March 2025 by Ronel Elul, Deeksha Gupta and David K. Musto entitled "Concentration in Mortgage Markets: GSE Exposure and Risk-Taking in Uncertain Times." Study Examines GSE Role in Risky Mortgage Growth During Housing Market Uncertainty A recent working paper from the Federal Reserve Bank of Philadelphia investigates the role of government-sponsored enterprise  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in Feb. 2025 by Hadi Elzayn, Simon Freyaldenhoven and Minchul Shin entitled "Constructing Applicants from Loan-Level Data: A Case Study of Mortgage Applications." This Philadelphia Fed working paper introduces a new algorithm designed to identify loan applicants who submit multiple applications, known as "cross-applicants," within loan-level datasets that lack per  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in March 2025 by J. Anthony Cookson, Emily A. Gallagher and Philip Mulder entitled "Coverage Neglect in Homeowner's Insurance." This Philadelphia Fed working paper, published in March 2025, explores the issue of underinsurance in homeowners insurance. The researchers, using contract-level data from 24 homeowners insurance companies in Colorado, found that a majori  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a report in Feb. 2025 by Neil Bhutta and Valeria Zeballos Doubinko entitled "Do Mortgage Borrowing Experiences Differ by Race and Ethnicity? Evidence from the National Survey of Mortgage Originations." Racial Disparities in Mortgage Borrowing Experiences A recent report has uncovered significant disparities in the mortgage borrowing experiences of minority homeowners compared to  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a report on March 25, 2025 by Tom Akana, Amber Lee and Larry Santucci entitled "How Americans Use Social Media for Financial Advice." Social Media Emerges as Popular Source for Financial Advice, Especially Among Young Adults A recent report from the Consumer Finance Institute (CFI) at the Federal Reserve Bank of Philadelphia reveals that social media has become a significant sou  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in March 2025 by Andreas Fuster, Aurel Hizmo, Lauren Lambie-Hanson, James Vickery and Paul Willen entitled "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic." This Philadelphia Fed working paper, revised in March 2025, investigates the resilience of the U.S. mortgage credit supply during the COVID-19 pandemic, considered the most signif  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in Jan. 2025 by Philippe d'Astous, Slava Mikhed, Sahil Raina & Barry Scholnick entitled "How Wealth and Age Interact to Affect Entrepreneurship." This Philadelphia Fed working paper examines how wealth, specifically lottery winnings, affects entrepreneurship differently for older and younger individuals. Researchers Philippe d'Astous, Vyacheslav Mikhed, Sahil Rain  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a report in Feb. 2025 by Tom Akana entitled "LIFE Survey Report - January 2025." Philadelphia Fed Survey Reveals Insights into Consumer Financial Well-being A recent report from the Consumer Finance Institute (CFI) at the Federal Reserve Bank of Philadelphia, based on their January 2025 Labor, Income, Finances, and Expectations (LIFE) Survey, provides a snapshot of U.S. consumer  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in Feb. 2025 by Hadi Elzayn, Simon Freyaldenhoven, Ryan Kobler and Minchul Shin entitled "Measuring Fairness in the U.S. Mortgage Market." This Philadelphia Fed working paper investigates the fairness of the U.S. mortgage market, focusing on racial disparities in mortgage application denials and default rates between Black and White Americans. The authors, Hadi El  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in March 2025 entitled "Mortgage-Backed Securities." This Philadelphia Fed working paper, published in March 2025, reviews the mortgage-backed securities (MBS) market, with a focus on agency residential MBS in the United States. The authors discuss the institutional environment, security design, MBS risks and asset pricing, and the economic effects of mortgage sec  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a report on March 25, 2025 by Tom Akana and Larry Santucci entitled "Trust and Credibility: Comparing Sources of Financial Advice." Friends and Family Remain Top Source for Financial Advice, Despite Rise of Digital Options A recent survey conducted by the Consumer Finance Institute (CFI) at the Federal Reserve Bank of Philadelphia reveals that despite the increasing availability  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in Feb. 2025 by Jose Canals-Cerda and Brian Jonghwan Leeentitled "Who Provides Credit in Times of Crisis? Evidence from the Auto Loan Market." This Philadelphia Fed working paper investigates how different lending channels - traditional banks, credit unions, and finance companies (nonbanks) - contributed to the auto loan market during times of crisis over the past  more

PHILADELPHIA, Pennsylvania, March 29 -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a conference summary on March 26, 2025 by Jaclene Begley and Lauren Lambie-Hanson entitled "Workshop on Changing Demographics and Housing Demand." Conference Examines Impact of Changing Demographics on US Housing Demand A recent conference co-hosted by the Federal Reserve Bank of Philadelphia's Consumer Finance Institute (CFI) and Fannie Mae's Economic and Strategic Research Gro  more

WASHINGTON, March 31 -- The Federal Trade Commission has released the following public communication on March 18, 2025, from the Colorado Poverty Law Project, Denver: * * * To: Regulations Division Office of the Secretary Federal Trade Commission 600 Pennsylvania Ave., NW Mail Stop H-144 (Annex J) Washington, D.C. 20580 * * * Dear Office of the Secretary, The Colorado Poverty Law Project's mission is to prevent homelessness through legal representation, education, and advocacy. We repres  more

WASHINGTON, March 31 -- The U.S. Department of Health and Human Services has released the following public communication dated March 7, 2025, from the National Alliance for Care at Home: * * * To: Anthony Archeval, Acting Director Office for Civil Rights U.S. Department of Health and Human Services Attention: HIPAA Security Rule NPRM Hubert H. Humphrey Building, Room 509F 200 Independence Avenue SW Washington, DC 20201 RE: Docket No. HHS-OCR-0945-AA22, HIPAA Security Rule to Strengthen   more

WASHINGTON, March 31 -- The U.S. Department of the Treasury Internal Revenue Service has released the following public communication dated March 17, 2025, from the American Car Rental Association: * * * To: The Honorable Scott Bessent Secretary U.S. Department of the Treasury 1500 Pennsylvania Avenue, N.W. Washington, DC 20220 Secretary Bessent, The American Car Rental Association (ACRA) is pleased to submit comments in response to a request for comments in Proposed Rule [Reg-123525-23]   more

WASHINGTON, March 31 -- The U.S. Department of the Treasury Internal Revenue Service has released the following public communication dated March 17, 2025, from the Equipment Leasing and Finance Association: * * * To: The Honorable Scott Bessent Secretary U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, DC 20220 Re Request for Comments on the Section 45W Credit for Qualified Commercial Clean Vehicles (IRS REG-123525-23) * * * Dear Secretary Bessent: On January 10  more

WASHINGTON, March 31 -- The U.S. Department of the Treasury Internal Revenue Service has released the following public communication dated March 17, 2025, from the New York State Bar Association: * * * To: The Honorable Shelley Leonard Acting Deputy Assistant Secretary (Tax Policy) Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, DC 20220 * The Honorable Melanie Krause Acting Commissioner Internal Revenue Service 1111 Constitution Avenue, NW Washington, DC 20224   more

WASHINGTON, March 31 -- The U.S. Department of the Treasury Internal Revenue Service has released the following public communication dated March 17, 2025, from NAFA Fleet Management Association: * * * To: The Honorable Scott Bessent Secretary U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, DC 20220 RE: Comments under Proposed Regulations for Sec.45W (IRS and REG-123525-23) * * * Introduction NAFA Fleet Management Association is the membership organization for  more

WASHINGTON, March 30 -- Sen. Ben Ray Lujan, D-New Mexico, issued the following news release: * * * Lujan Statement on Trump Administration Gutting HHS by Cutting Nearly Quarter of Workforce, Abruptly Canceling Funding for New Mexico State Health Services Trump Administration Guts HHS by Eliminating Nearly 25% of Workforce, Cuts Over $12 Billion in Federal Grants to Fund Infectious Disease Management and Other Critical Health Services Nationwide Amid Measles Outbreak Washington, D.C. - Today  more

WASHINGTON, March 31 -- The U.S. Department of Homeland Security Coast Guard has released the following public communication dated March 18, 2025, from Campbell Transportation Co. Inc., Canonsburg, Pennsylvania: * * * To: RDML Wayne Arguin Assistant Commandant for Prevention Policy U.S. Coast Guard 2703 Martin Luther King Jr. Ave. SE Washington, DC 20593 Re: Cybersecurity in the Marine Transportation System (Docket No. USCG-2022-0802) * * * Dear Rear Admiral Arguin: On behalf of Campbe  more

WASHINGTON, March 31 -- The U.S. Department of Homeland Security Customs and Border Protection has released the following public communication dated March 17, 2025, from Etsy Inc., Brooklyn, New York: * * * To: The Honorable Pete Flores Acting Commissioner US Customs and Border Protection 1300 Pennsylvania Ave NW Washington, DC 20229 Re: Request for Comments on Proposed Rulemaking: Entry of Low-Value Shipments (Docket Number: USCBP-2025-0002) Comments Submitted by Etsy, Inc. * * * Dear   more

WASHINGTON, March 31 -- The U.S. Department of Homeland Security Customs and Border Protection has released the following public communication dated Mach 17, 2025, from the Footwear Distributors and Retailers of America: * * * To: The Honorable Pete R. Flores Acting Commissioner U.S. Customs & Border Protection 1300 Pennsylvania Avenue, NW Washington, DC 20229 Re: Entry of Low Value Shipments (Docket No. USCBP-2025-0002) * * * Dear Commissioner Flores: The Footwear Distributors & Retai  more

WASHINGTON, March 31 -- The U.S. Department of Homeland Security Customs and Border Protection has released the following public communication dated March 18, 2025, from the Ford Motor Co., Dearborn, Michigan: * * * To: The Honorable Scott K.H. Bessent Secretary of the Treasury U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, DC 20220 * To: The Honorable Kristi Noem Secretary of Homeland Security U.S. Department of Homeland Security Washington, DC 20528 * To:  more

WASHINGTON, March 31 -- The U.S. Department of Homeland Security Customs and Border Protection has released the following public communication on March 14, 2025, from Logitech Inc., San Jose, California: * * * To: U.S. Customs and Border Protection (CBP) Department of Homeland Security 1300 Pennsylvania Avenue NW Washington, D.C. 20229 Subject: Logitech Comment on CBP Proposed Rule: Trade and National Security Actions for Low-Value Shipments Docket No. USCBP-2025-0003 * * * Dear CBP Off  more