What changes, and when
Most coverage of a new rule is written the day it is announced, then left alone. What a reader actually needs is the other half: the date it starts, and whether anything has moved.
This is a dated list of the changes reported across the six sites, in one order, with the past kept in place rather than deleted. Every row links to the article it came from, and that article carries the primary source — the Federal Register page, the statute, the agency guidance. Nothing here is a claim that is not made, and sourced, somewhere else on the network.
Windows — open enrollment, comment periods — are listed by the day they open and the day they close, because arriving on the wrong side of one is the expensive mistake.
Entries checked against the published articles on 2026-10-27. Windows show both ends; past entries stay on the list.
Add these dates to your calendar
A standard .ics file — 17 all-day events, no account, no email. Subscribe once and new rows arrive as they are added here; each event carries the article it came from. Works with Google Calendar, Apple Calendar, Outlook and anything else that reads RFC 5545.
January 2026
- Jan 1 takes effect
Illinois and Texas AI employment laws take effect
Illinois requires notice when AI is used in an employment decision, and bars discrimination including unintentional disparate impact; Texas bars using AI with intent to discriminate and puts no notice duty on private employers.
AI at Work: What Your Employer Can Require, and What a Policy Cannot Reach 11 min read
- Jan 1 takes effect
Indiana, Kentucky and Rhode Island consumer privacy laws take effect
Three more states joined the list of comprehensive consumer privacy statutes on the same day. Oklahoma was signed but starts later.
What US Privacy Law Actually Protects — and What It Leaves Open 11 min read
February 2026
- Feb 12 takes effect
The FTC restores its pre-2024 cancellation-fee text
The Eighth Circuit vacated the 2024 "click to cancel" rule in July 2025 on procedural grounds. The Commission dismissed its appeals and formally removed the rule from the CFR effective February 12, 2026 — the older standard applies again.
Cancellation Fees: Why Some Are Enforceable and Some Are Not 10 min read
July 2026
- Jul 1 takes effect
Connecticut's right-to-repair law covers new products
Parts, tools and documentation must be available for at least three years after the last unit is manufactured, for products first sold or used in the state on or after July 1, 2026. Alarm systems, motor vehicles and video game consoles are excluded.
Right to Repair Explained: What You Can Fix and What Your State Allows 13 min read
September 2026
- Sep 22 takes effect
Unregistered agents are blocked from the federal Marketplace
An interim final rule stops agents and brokers who do not already hold a 2026 Exchange agreement from registering to sell federal Marketplace plans — a direct response to unauthorized enrollments.
CMS Canceled 315,000 Marketplace Policies: What to Check Before Open Enrollment 7 min read
October 2026
- Oct 15 – Dec 7 window
Medicare Open Enrollment
The annual window runs October 15 to December 7, 2026. Anything you change inside it takes effect January 1, 2027, and it is the only time most beneficiaries can move between Original Medicare and Medicare Advantage.
Medicare open enrollment 2027: lower average premiums, and the fine print that decides your bill 5 min read
- Oct 19 takes effect
Treasury's card-payment rule takes effect
It changes how card payments to the IRS are reported and priced at the processor level. It does not change what an individual taxpayer owes, and it does not change the payment you would make today.
Paying taxes by card: what Treasury's new fee rule changes, and what it does not 7 min read
- Oct 19 takes effect
USPS starts charging unpaid foreign customs charges back
An interim final rule, effective October 19, 2026, with comments open until November 18, 2026 — which means the text can still be revised.
The gift you mailed to Europe can come back as an invoice 12 min read
- Oct 22 takes effect
The IRS's IRA correction program (ICRS) opens
A self-correction route for four specific retirement-account mistakes, generally effective October 22, 2026, with a fee attached to each category.
The IRS's new IRA correction program: four mistakes it fixes, and what it costs 10 min read
November 2026
- Nov 1 – Jan 15 window
ACA Marketplace Open Enrollment
November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1 — waiting until the January dates moves the start of coverage.
The ACA Marketplace: Open Enrollment, Subsidies and Special Enrollment Periods 8 min read
- Nov 25 takes effect
The FCC's new robocall opt-out rules take effect
The rules start 30 days after publication in the Federal Register on October 26, 2026. Until then, the 2025 standard — including the any-reasonable-means test for senders with no designated method — remains the baseline.
Replying STOP won't stop everything anymore: the FCC's new opt-out rules 6 min read
December 2026
- Dec 14 takes effect
The FDA rewrites 80 food standards for salt substitutes
The final rule takes effect December 14, 2026, and lets salt substitutes be used in foods whose standards of identity previously named salt specifically.
The FDA has rewritten 80 food standards so salt substitutes can be used 8 min read
January 2027
- Jan 1 takes effect
Medicare negotiated drug prices, second round
Negotiated prices for 15 more prescription drugs take effect January 1, 2027, on top of the first round already in force.
Medicare's second round of negotiated drug prices starts January 1, 2027 10 min read
- Jan 1 takes effect
New airline delay cause codes apply to flights
The sixth cause category applies to flights operating on or after January 1, 2027; carriers report the flights within 15 days of the month’s end.
How a flight delay gets blamed: five cause codes, a sixth on the way, and why it slipped to 2027 8 min read
- Jan 18 takes effect
The GENIUS Act and the OCC stablecoin rule arrive together
The statute’s effective date is January 18, 2027, and the OCC’s implementing rule (91 Fed. Reg. 67000, published October 23, 2026) lands the same day.
What the OCC's stablecoin rule promises you, and what it does not 11 min read
June 2027
- Jun 30 takes effect
Washington's outright non-compete ban
Washington already limits non-competes by income threshold; HB 1155 replaces that with an outright ban effective June 30, 2027. It is not retroactive.
Non-Competes: What Actually Happens When You Take the Other Job 9 min read
July 2027
- Jul 1 takes effect
Oklahoma's supported decision-making law
Oklahoma adopts the supported-decision-making alternative to guardianship on July 1, 2027, after Utah’s version took effect January 1, 2026.
Wills and Advance Directives: Who Decides When You Cannot 12 min read
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How this list is built
Each row comes from an article on this network, and that article cites the primary source — the Federal Register page, the statute, the agency guidance. Rows are added only when the date is stated there, which is why the list is short and why some entries carry a caveat: an interim final rule whose comment period is still open can still change.
It is a reading aid, not advice. A date on this page is not a substitute for checking the source, and rules do get stayed, vacated or amended — the FTC cancellation-fee row is on the list precisely because its rule was vacated on procedural grounds and then removed from the CFR, which is a change readers had already been told about the other way round.
Reference pages by field
The lookups and calculators that belong to one subject rather than to the network.
- Moon phase on any date: illumination, age and the next four phases
- Game subscription break-even, priced as a rental
- Non-compete: who can be bound, by state
- Right to repair: the nine state laws, and what each covers
- Blood pressure categories: where a reading actually falls
- Social Security COLA history: every adjustment since 1975
- Deductible, coinsurance, out-of-pocket max: what one bill actually costs
- Sleep by age: the row that applies, and where eight sits
- Caffeine by drink, added up against 400 mg
- Sunrise and sunset for sixteen cities, on any date
- Long-term capital gains: what a gain costs at your income
- Medicare Part B: the premium, and why yours is not the standard one
- RAP vs IBR: what each formula charges on the same income
- HSA contribution limit: 2026, 2027, and a part-year
- Moonrise and moonset for sixteen cities, on any date
- The 15 drugs with negotiated Medicare prices from 2027
- Moon phases by month: the four principal instants
- Claim appeal deadlines: which clock applies to your plan
- Eclipses 2026–2035: dates, types and where each one is visible