Inside U.S. Regulations

This episode provides an in-depth look at the latest regulatory developments affecting multiple sectors including mortgage lending, securities fraud, malware-related enforcement, and federal energy leasing under the One Big Beautiful Bill Act.

Listeners will learn about the California Department of Financial Protection and Innovation’s revocation of West One Capital Group Inc.’s license due to unpaid assessments, emphasizing the critical importance of compliance with licensing requirements.

The podcast also covers the U.S. Securities and Exchange Commission’s permanent injunctions against individuals involved in fraudulent municipal bond offerings, highlighting ongoing efforts to combat securities fraud through court judgments and consent orders.

Additionally, the Department of the Interior’s recent offshore oil and gas lease sale under the One Big Beautiful Bill Act is discussed, marking a notable milestone with the lowest deepwater royalty rates in decades.

For more information, visit the Carver Agents website.

Articles mentioned:

1. WEST ONE CAPITAL GROUP INC.
2. US Department of Labor recovers more than $1M in back wages, damages for 24 warehouse workers denied minimum wage, overtime pay
3. Office of Engineering and Technology Seeks Comment on the Petition of Durin, Inc. for Waiver of Sections 15.519(A) and 15.519(A)(2) of the Commission's Rules
4. LR-26498 - 09.03.2026 - Randall J. Miller; Chad J. Miller; Jeffrey De Laveaga; Jeffrey Puzzullo
5. Interior Holds Second Lease Sale in the Gulf of America Under One Big Beautiful Bill Act Advancing American Energy Dominance
6. Europol and international partners disrupt ‘SocksEscort’ proxy service
7. Federal Reserve Board announces approval of notice by CBS Banc-Corp.
8. Melrose Escrow, Inc.
9. EB Settles with Yonder Media Mobile Inc. for Unauthorized Operations
10. EB Issues Final Determination Order Against Belthrough LLC

This episode covers critical regulatory developments spanning risk advisory, sanctions, equine welfare, SEC enforcement, and healthcare sectors.

Listeners will gain insight into the CBOE exchange's shift from a flat fee to a tiered API pricing model designed to align costs with actual usage, a significant update after nearly a decade. The SEC has taken decisive enforcement action by barring an individual involved in fraud and misappropriation, underscoring ongoing vigilance in financial regulation.

Additionally, the episode addresses the Department of Education's proposed restrictive definition of 'professional degree' impacting healthcare professionals’ student loan eligibility, highlighting opposition efforts to preserve access. Enhanced joint enforcement by California’s SBA and USDA Offices of Inspector General targets sophisticated federal program fraud schemes, signalling increased accountability. Finally, enforcement of equine welfare standards is reinforced through a legal ruling holding a racehorse trainer accountable for neglect leading to a horse’s death.

For more information, visit the Carver Agents website.

Articles mentioned:

1. Self-Regulatory Organizations; Cboe Exchange, Inc.; Notice of Filing and Immediate Effectiveness of a Proposed Rule Change to Replace the Existing Flat Monthly Fee for the Silexx Application Programming Interface (“API”) with a Usage-Based Tiered...
2. Appendix I - 4th March 2026 - Countries That are Presenting Higher Risks (Tracked)
3. Attorney General Bonta Opposes Trump Administration Proposal to Exclude Healthcare Professionals from Necessary Student Loans
4. Attorney General Bonta Opposes Trump Administration Proposal to Exclude Healthcare Professionals from Necessary Student Loans
5. Administrative Law Judge Decision on Application for Review
6. Administrative Proceeding - Carole A. Liston
7. SBA OIG and USDA OIG Joint Engagement in California Signals Heightened Enforcement Posture Against Federal Program Fraud
8. Attorney General James Takes Action to Protect New Yorkers from Illegal Guns
9. Treasury Sanctions Rwanda Officials, Condemns Blatant Violations of Washington Peace Accords

1. 2026-03-03 - סייבער-זיכערהייט ראטגעבער - דערמאָנונג צום פינאַנציעלן סעקטאָר וועגן פֿאַרשטאַרקטע סייבער-געפֿאַרן

This episode covers critical regulatory developments affecting sectors such as Licensee/Regulatee Investigation, Universal Service Fund, Independent Contractor status, Dynamic Factor Model applications, and Antifraud enforcement.

Major updates include a multistate lawsuit co-led by Attorney General Rob Bonta challenging the Trump Administration’s overhaul of childhood vaccine recommendations. The suit highlights violations of federal laws and risks to public health due to lowered vaccine uptake and misinformation.

Another key topic is the rejection of new tax policy changes limiting clean energy projects, which threatens to increase costs and disrupt energy planning across multiple states. Additionally, the Cybersecurity and Infrastructure Security Agency (CISA) issued an emergency directive to secure vulnerable Cisco SD-WAN systems amid active cyber threats, underscoring urgent national security priorities.

For more information, visit the Carver Agents website.

Articles mentioned:

1. Attorney General Bonta Co-Leads Multistate Lawsuit to Block Trump Administration’s Unlawful Overhaul to Childhood Vaccine Schedule
2. Attorney General Bonta Co-Leads Multistate Lawsuit to Block Trump Administration’s Unlawful Overhaul to Childhood Vaccine Schedule
3. Attorney General Bonta Rejects Trump Administration’s Tax Policy Limiting Clean Energy Projects and Increasing Costs
4. Attorney General Bonta Rejects Trump Administration’s Tax Policy Limiting Clean Energy Projects and Increasing Costs
5. Attorney General James Defends Public Safety and Immigrant Communities in New York City
6. Dr. Michael J. Galvin, In the Matter of (timeline item) - February 23, 2026
7. Inflation and Growth Risk: Balancing the Scales with Surveys
8. Immediate Action Required: CISA Issues Emergency Directive to Secure Cisco SD-WAN Systems
9. Beacon Air Group; Billings, Montana
10. USA LESS Co. is Recalling Rhino Choco VIP 10X Due to Undeclared Tadalafil
11. Fernando Passos
12. LNPR Group Inc.
13. Litigation Release: Ian G. Bell
14. Administrative Proceeding - Damien Alfalla, CPA
15. FCC Proposes Reforms to the Agency's Federal Lifeline Program
16. SEC Adopts Final Rules for the Holding Foreign Insiders Accountable Act
17. US Department of Labor proposes rule clarifying employee, independent contractor status under federal wage and hour laws
18. Entscheid des Obersten Gerichtshofs der USA zu Zusatzzöllen
19. US Supreme Court ruling on additional tariffs
20. In the Matter of CVC Testing Technology (Shenzhen) Co., Ltd. Designation No. CN1363

This episode covers regulatory updates in Intercarrier Compensation, Insurance Producer, License Assignment, Fiduciary Duty, Satellite Licensing.

The FCC has expanded broadband opportunities in the 900 MHz band, enabling utilities and critical infrastructure providers to utilize the full 10 MHz spectrum for improved connectivity. A negotiation-based transition to paired 5 MHz blocks aims to optimize spectrum efficiency.

The Commission also approved broadcast license assignments to Sinclair subsidiaries despite opposition and granted multiple satellite license modifications and temporary authorities.

Enforcement remains a priority with a proposed fine against Zhejiang Dahua Technology Company and reminders for MVNOs to comply with Robocall Mitigation Database requirements.

Financial regulators announced the termination of enforcement agreements with banks, signaling improved compliance, while the Basel Committee published analysis on synthetic risk transfers.

Listeners will gain insights into evolving intercarrier compensation frameworks, insurance licensing enforcement, fiduciary duty obligations, and satellite operations.

For more information, visit the Carver Agents website.

Articles mentioned:

1. Trusty Statement
2. What’s Next for the ACH Network: Risk Ops Under Nacha’s New Fraud Rules
3. Applications for Assignment of Licenses from HSH Flint (WEYI) Licensee, LLC et al.
4. AG Campbell Asks Court To Enforce Order Preventing Trump Administration From Unlawfully Cutting Billions In Disaster Preparedness Funding
5. FCC Proposes Nearly $200,000 Fine Against Covered List Entity
6. FCC Expands Broadband Spectrum Opportunities in 900 MHz Band
7. Basel Committee publishes analysis of synthetic risk transfers
8. OCC Announces Enforcement Actions for February 2026
9. Meru Lending LLC
10. Litigation Release - Cutter Financial Group, LLC and Jeffrey Cutter
11. Urgent Field Safety Notice for SENTINEL by Spacelabs Healthcare, Ltd.
12. ANCORA ASSET SERVICES INC.
13. TECHNOLOGY FINANCE GROUP, LLC
14. TRUE FINANCIAL LENDING LIMITED
15. February 18, 2026 - FCC Explores Updates to Intercarrier Compensation Regime
16. Dylan Perez
17. Acting Superintendent Kaitlin Asrow Announces Jericho Share to Cease Operations in New York for Selling Unlicensed Health Insurance Plans
18. Satellite Licensing Division and Satellite Programs and Policy Division Information - SAT - Actions Taken
19. FCC Enforcement Advisory - Mobile Virtual Network Operators (MVNOs) must file in the Robocall Mitigation Database (RMD) and respond to traceback requests
20. Carr Statement

Welcome to Carver's USA Regulatory Updates.

In this episode, we explore the FCC’s advancement of pivotal proposals including updates to the Lifeline program, aimed at improving discounted communications services for low-income consumers, and revisions to 900 MHz spectrum rules and FM translator application limits to better optimize spectrum use.

We highlight California Attorney General Rob Bonta's successful temporary restraining order preventing the federal termination of over $600 million in public health grants, protecting critical state health programs.

The FDA’s recent approval of changes to the iPLEDGE Risk Evaluation and Mitigation Strategy (REMS) now permits at-home pregnancy testing during and after treatment, streamlining patient care by removing prior waiting periods.

We cover disaster relief initiatives as the Small Business Administration declares a disaster for California following late 2025 storms, providing Economic Injury Disaster Loans to affected small businesses and nonprofits to aid recovery.

Finally, the Department of Labor’s significant settlement with Kaiser Foundation Health Plan reforms insurer practices related to mental health and substance use disorder care, including a $28 million reimbursement and penalties.

For more information, visit the Carver Agents website.

Articles mentioned:

1. Attorney General Bonta Secures Emergency Order Protecting over $600 Million in Public Health Funding
2. Questions and Answers on the iPLEDGE REMS
3. 赤澤経済産業大臣がグリア米国通商代表主催の重要鉱物に関する貿易大臣会合に出席しました
4. Domestic Section 214 Application Filed For The Aquisition Of Certain Assets Of FiberLight, LLC By Charter Fiberlink-Georgia, LLC
5. View Comments
6. Building the Strategic Supply Chain Network
7. iPLEDGE Risk Evaluation and Mitigation Strategy (REMS)
8. 91 FR 5729
9. SBA Offers Relief to California Small Businesses and Private Nonprofits Affected by 2025 Late December Storms
10. US Department of Labor, Kaiser Foundation Health Plan reach settlement to reform insurer’s practices on mental health, substance use disorder care
11. Administrative Proceeding - Thomas J. Corsaro
12. US Department of Labor recovers nearly $62K in back wages for 11 workers denied full tips by Denver restaurant
13. CISA’s 2025 Year in Review: Driving Security and Resilience Across Critical Infrastructure
14. Instant Payments Give Suncoast Credit Union Members Faster Access to Their Money
15. Passive investors and loan spreads
16. Partnership with West Virginia Leads to 650 Illegal Alien Arrested in 2 Weeks Including Drug Traffickers, Violent Offenders, and Burglars
17. Lisa D Cook: Economic outlook
18. Zelle® Posts 20% Growth with $1.2 Trillion Sent, Far Outpacing Consumer Spending and Cementing Its Role in the U.S. Economy
19. US hiring soars past expectations as unemployment edges down
20. February 2026 Open Commission Meeting

Welcome to Carver's USA Regulatory Updates.

This episode discusses the expiration of the New Strategic Arms-Reduction Treaty, highlighting the Secretary-General's call for renewed nuclear arms control talks to mitigate global security risks.

In infrastructure, the indefinite suspension of federal funding for the Gateway Tunnel Project threatens construction progress and economic stability, with New York and New Jersey launching legal challenges.

Significant enforcement actions include the FTC's $120 million judgment against the Sanctuary Belize real estate scam perpetrators, as well as civil penalties and compliance orders imposed on energy and investment firms for antitrust violations.

The Federal Reserve has introduced updated loan contract requirements aimed at enhancing financial stability by allowing banks greater flexibility during monetary tightening.

The FCC has placed key reports, including the December 2024 Numbering Resource Utilization Forecast and Local Number Portability reports, into the public record.

For more information, visit the Carver Agents website.

Articles mentioned:

1. FEDS 2026-008
2. Public Notice Placing NRUF Reports and LNP Reports into the Record
3. X040009 In re Sanctuary Belize Litigation - $120.2M real estate scam judgment
4. Daily news
5. Coast Guard Responds to Severe Winter Conditions with Icebreaking Operations
6. Murderers, Sex Offenders, and Drug Traffickers Released from Jails into California Communities
7. Final Judgment - XCL Resources Holdings et al.
8. New York, New Jersey Sue Trump Administration for Withholding Gateway Tunnel Funding
9. Attorney General James Takes Action to Stop Horrific Conditions in Newburgh Apartment Complex
10. New START Treaty Expires; Secretary-General Urges Return to Nuclear-Arms-Control Talks
11. SEC Litigation Release: Ryan Squillante
12. XCL Resources Holdings, LLC et al. Litigation Timeline
13. Ashfiat Alharamain - Product Recall
14. Peace Talks Should Bring Immediate Relief for Ukrainian Civilians
15. Agreement Containing Consent Order (ESI Respondents)
16. Attorney General James Sues Trump Administration for Freezing Gateway Program Funding
17. CRATON CAPITAL MANAGEMENT, LLC Enforcement Action
18. Monthly Bulletin – February 2026

Welcome to Carver's USA Regulatory Updates.

This episode highlights recent enforcement orders published by the Federal Deposit Insurance Corporation, including termination of consent orders and insurance arrangements. We discuss banks’ adjustments to loan contracts amidst monetary policy changes, incorporating stricter financial covenants to allow flexibility during tightening cycles.

In labor and employee benefits, the U.S. Department of Labor’s Employee Benefits Security Administration recovered over $1.4 billion in fiscal year 2025, enhancing fiduciary governance and expanding access to mental health and substance use disorder benefits.

The Federal Communications Commission has opened a docket for public comments on the nationwide Verizon outage, focusing on impacts to 911 emergency calls and public safety. The FCC also proposes rules enabling eligible 900 MHz licensees to transition voluntarily to paired broadband licenses, enhancing capacity while retaining narrowband options.

We cover recent SEC statements clarifying that tokenized securities are federally regulated securities regardless of format, detailing issuer- and third-party-sponsored models. Modifications to the Non-Crypto Market Maker Program impact eligibility, product scope, and monitoring. Additionally, we explore how AI and tokenized finance are reshaping financial trust foundations.

For more information, visit the Carver Agents website.

Articles mentioned:

1. Litigation Releases Kevin A. Van de Grift
2. Attorney General Dan Rayfield Condemns DOJ Threats Against Minnesota
3. FEDS 2026-008
4. US Department of Labor’s Employee Benefits Security Administration recovered over $1.4B in FY25 for workers, families, benefit plans
5. COIN | Modifications to the Non-Crypto Market Maker Program
6. FCC Seeks Information on Effects of Nationwide Verizon Outage
7. PR-7-2026 - FDIC Publishes December Enforcement Actions
8. AI and Tokenized Finance Are Reshaping the Foundations of Financial Trust
9. Statement on Tokenized Securities
10. Maximizing the Potential of the 900 MHz Band
11. Attorney General James Releases Footage from Investigation into Death of Shelton Ennis
12. 900 MHz
13. DIR, DWC releases Independent Bill Review (IBR) report for 2023 and 2024
14. FEDS Notes
15. Automobile Title Loans: What Consumers Need to Know
16. Avoid weather-related utility scams after the recent winter storm
17. FEDS Notes
18. No, that’s not your boss asking you to buy gift cards