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).
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Related Federal Register Documents
2026-11635 — Ascension Health Alliance; Analysis of Proposed Agreement Containing Consent Orders To Aid Public Comment
The Federal Trade Commission is reviewing a deal with Ascension Health Alliance to stop unfair competition practices. This affects Ascension and its healthcare partners, aiming to keep the market fair and open. People have until July 10, 2026, to share their thoughts before the deal is finalized—no money changes hands, just rules to play fair.
2026-11114 — Privacy Act of 1974; System of Records
The FTC is updating its Privacy Act records notice to make it clearer and more accurate. This affects anyone whose info is in the FTC’s systems, like consumer complaints or Do Not Call lists. The changes take effect on June 3, 2026, with no extra costs involved—just better info protection and transparency!
2026-10546 — MindSift LLC; Analysis of Proposed Consent Order To Aid Public Comment
MindSift LLC is facing claims for unfair or tricky business practices, and they’ve agreed to stop these actions through a new deal with the Federal Trade Commission. The public can share their thoughts on this agreement until June 29, 2026. This means MindSift must change how they operate soon, or face further action.
2026-10548 — CMG Media Corporation; Analysis of Proposed Consent Order To Aid Public Comment
CMG Media Corporation is facing charges for unfair or tricky business practices, and they’ve agreed to stop these actions through a new deal with the government. People can share their thoughts on this agreement until June 29, 2026. This means CMG Media must change how they operate, and the public gets a say before it’s final.
2026-10547 — 1010 Digital Works LLC; Analysis of Proposed Consent Order To Aid Public Comment
1010 Digital Works LLC is facing charges for unfair or tricky business practices, and they’ve agreed to stop these actions under a new deal. The public can share their thoughts on this agreement until June 29, 2026. This means 1010 Digital must clean up its act, and everyone gets a say before the deal is final.
2026-09704 — Granting of Requests for Early Termination of the Waiting Period Under the Premerger Notification Rules
If companies want to merge or buy each other, they usually have to wait a set time so the government can check for any problems. This notice says some companies got the green light to skip that wait early between April 1 and April 30, 2026, meaning their deals can close faster. This helps businesses save time and money while the government signals no issues with these deals.
Previous / Next Documents
Previous: 2026-01232 — Agency Information Collection Activities; Proposed Collection; Comment Request; Extension
The Federal Trade Commission wants to keep collecting info about mortgage ads for three more years to make sure companies play fair. This affects businesses that advertise home loans and helps protect consumers from tricky ads. If you have thoughts, speak up by February 23, 2026—no extra costs, just keeping the rules rolling smoothly!
Next: 2026-01234 — Agency Information Collection Activities: Proposed Collection; 60-Day Public Comment Request for the Study Classifying and Measuring Household Food Waste
The USDA wants your thoughts on a new study that looks at how much food U.S. households waste, why, and how it relates to things like income and shopping habits. This info will help create better estimates and tools to predict food waste for different types of families. If you have ideas or concerns, send them in by March 24, 2026—your input matters and helps shape smarter food policies!