{"database": "openregs", "table": "federal_register", "rows": [["2025-23987", "Preemption Determination: State Interest-on-Escrow Laws", "Proposed Rule", "The OCC is proposing to issue a preemption determination concluding that federal law preempts state laws that eliminate OCC- regulated banks' flexibility to decide whether and to what extent to (1) pay interest or other compensation on funds placed in real estate escrow accounts; or (2) assess fees in connection with such accounts. This preemption determination would provide much needed clarity to banks and other stakeholders.", "2025-12-30", 2025, 12, "https://www.federalregister.gov/documents/2025/12/30/2025-23987/preemption-determination-state-interest-on-escrow-laws", "https://www.govinfo.gov/content/pkg/FR-2025-12-30/pdf/2025-23987.pdf", "Treasury Department; Comptroller of the Currency", "497,80", "The OCC is proposing to issue a preemption determination concluding that federal law preempts state laws that eliminate OCC- regulated banks' flexibility to decide whether and to what extent to (1) pay interest or other compensation on funds placed in...", null]], "columns": ["document_number", "title", "type", "abstract", "publication_date", "pub_year", "pub_month", "html_url", "pdf_url", "agency_names", "agency_ids", "excerpts", "regulation_id_numbers"], "primary_keys": ["document_number"], "primary_key_values": ["2025-23987"], "units": {}, "query_ms": 45.41511298157275, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}