FTC Seeks Three More Years of Business Record-Keeping Without Any Twists
Published Date: 1/23/2026
Notice
Summary
The Federal Trade Commission wants to keep collecting info under a rule they share with the Consumer Financial Protection Bureau for three more years. This affects about 120 businesses who must keep records and submit reports, with no new costs or big changes. If you want to share your thoughts, you’ve got until March 24, 2026, to speak up!
Analyzed Economic Effects
1 provisions identified: 0 benefits, 1 costs, 0 mixed.
Regulation O Recordkeeping Continues
If you run a for-profit company that offers Mortgage Assistance Relief Services (MARS), the FTC is seeking a three-year extension to keep collecting required records and reports under Regulation O. The rule affects about 120 non-attorney MARS providers, requires about 6 hours of compliance work per provider each year (720 hours total), and the estimated total annual labor cost is $29,419 (FTC assumes a $14,709 share).
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