BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Omc//Rule changes and effective dates//EN CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:What changes\, and when — US rule changes X-WR-CALDESC:Effective dates and open windows for US law\, insurance\, tax\ , health\, privacy and tech rules. One event per published article\, linke d back to the article and its primary source. REFRESH-INTERVAL;VALUE=DURATION:PT12H X-PUBLISHED-TTL:PT12H BEGIN:VEVENT UID:20260101-illinois-and-texas-ai-employment-laws-take-effec@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20260101 DTEND;VALUE=DATE:20260102 SUMMARY:Illinois and Texas AI employment laws take effect DESCRIPTION:Illinois requires notice when AI is used in an employment decis ion\, and bars discrimination including unintentional disparate impact\; T exas bars using AI with intent to discriminate and puts no notice duty on private employers.\n\nIssued by: Illinois and Texas statutes\nArticle: AI at Work: What Your Employer Can Require\, and What a Policy Cannot Reach\n https://tech.omc.center/ai-tools-at-work-policy\n\nExtracted from a publis hed article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://tech.omc.center/ai-tools-at-work-policy CATEGORIES:Tech & privacy TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20260101-indiana-kentucky-and-rhode-island-consumer-priva@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20260101 DTEND;VALUE=DATE:20260102 SUMMARY:Indiana\, Kentucky and Rhode Island consumer privacy laws take effe ct DESCRIPTION:Three more states joined the list of comprehensive consumer pri vacy statutes on the same day. Oklahoma was signed but starts later.\n\nIs sued by: State privacy statutes\nArticle: What US Privacy Law Actually Pro tects — and What It Leaves Open\nhttps://tech.omc.center/digital-privacy -rights-us\n\nExtracted from a published article that cites the primary so urce. A date on this calendar is not a substitute for checking it: rules g et stayed\, vacated and amended. URL:https://tech.omc.center/digital-privacy-rights-us CATEGORIES:Tech & privacy TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20260212-the-ftc-restores-its-pre-2024-cancellation-fee-t@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20260212 DTEND;VALUE=DATE:20260213 SUMMARY:The FTC restores its pre-2024 cancellation-fee text DESCRIPTION:The Eighth Circuit vacated the 2024 "click to cancel" rule in J uly 2025 on procedural grounds. The Commission dismissed its appeals and f ormally removed the rule from the CFR effective February 12\, 2026 — the older standard applies again.\n\nIssued by: Federal Trade Commission\nArt icle: Cancellation Fees: Why Some Are Enforceable and Some Are Not\nhttps: //law.omc.center/cancellation-fees-liquidated-damages\n\nExtracted from a published article that cites the primary source. A date on this calendar i s not a substitute for checking it: rules get stayed\, vacated and amended . URL:https://law.omc.center/cancellation-fees-liquidated-damages CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20260701-connecticut-s-right-to-repair-law-covers-new-pro@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20260701 DTEND;VALUE=DATE:20260702 SUMMARY:Connecticut's right-to-repair law covers new products DESCRIPTION: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 vehi cles and video game consoles are excluded.\n\nIssued by: Conn. Gen. Stat. § 42-110x\nArticle: Right to Repair Explained: What You Can Fix and What Your State Allows\nhttps://tech.omc.center/right-to-repair-explained\n\nEx tracted from a published article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vaca ted and amended. URL:https://tech.omc.center/right-to-repair-explained CATEGORIES:Tech & privacy TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20260922-unregistered-agents-are-blocked-from-the-federal@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20260922 DTEND;VALUE=DATE:20260923 SUMMARY:Unregistered agents are blocked from the federal Marketplace DESCRIPTION:An interim final rule stops agents and brokers who do not alrea dy hold a 2026 Exchange agreement from registering to sell federal Marketp lace plans — a direct response to unauthorized enrollments.\n\nIssued by : CMS interim final rule\nArticle: CMS Canceled 315\,000 Marketplace Polic ies: What to Check Before Open Enrollment\nhttps://insurance.omc.center/ma rketplace-unauthorized-enrollment-cancellations\n\nExtracted from a publis hed article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://insurance.omc.center/marketplace-unauthorized-enrollment-cancel lations CATEGORIES:Insurance & Medicare TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261015-medicare-open-enrollment@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261015 DTEND;VALUE=DATE:20261208 SUMMARY:Medicare Open Enrollment DESCRIPTION:The annual window runs October 15 to December 7\, 2026. Anythin g you change inside it takes effect January 1\, 2027\, and it is the only time most beneficiaries can move between Original Medicare and Medicare Ad vantage.\n\nIssued by: CMS\nArticle: Medicare open enrollment 2027: lower average premiums\, and the fine print that decides your bill\nhttps://insu rance.omc.center/medicare-open-enrollment-2027\n\nExtracted from a publish ed article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://insurance.omc.center/medicare-open-enrollment-2027 CATEGORIES:Insurance & Medicare TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261019-treasury-s-card-payment-rule-takes-effect@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261019 DTEND;VALUE=DATE:20261020 SUMMARY:Treasury's card-payment rule takes effect DESCRIPTION:It changes how card payments to the IRS are reported and priced at the processor level. It does not change what an individual taxpayer ow es\, and it does not change the payment you would make today.\n\nIssued by : US Treasury\nArticle: Paying taxes by card: what Treasury's new fee rule changes\, and what it does not\nhttps://finance.omc.center/irs-card-payme nt-fee-rule\n\nExtracted from a published article that cites the primary s ource. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://finance.omc.center/irs-card-payment-fee-rule CATEGORIES:Money & tax TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261019-usps-starts-charging-unpaid-foreign-customs-char@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261019 DTEND;VALUE=DATE:20261020 SUMMARY:USPS starts charging unpaid foreign customs charges back DESCRIPTION:An interim final rule\, effective October 19\, 2026\, with comm ents open until November 18\, 2026 — which means the text can still be r evised.\n\nIssued by: USPS interim final rule\nArticle: The gift you maile d to Europe can come back as an invoice\nhttps://law.omc.center/usps-unpai d-foreign-customs-charges\n\nExtracted from a published article that cites the primary source. A date on this calendar is not a substitute for check ing it: rules get stayed\, vacated and amended. URL:https://law.omc.center/usps-unpaid-foreign-customs-charges CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261022-the-irs-s-ira-correction-program-icrs-opens@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261022 DTEND;VALUE=DATE:20261023 SUMMARY:The IRS's IRA correction program (ICRS) opens DESCRIPTION:A self-correction route for four specific retirement-account mi stakes\, generally effective October 22\, 2026\, with a fee attached to ea ch category.\n\nIssued by: Internal Revenue Service\nArticle: The IRS's ne w IRA correction program: four mistakes it fixes\, and what it costs\nhttp s://finance.omc.center/ira-correction-program-icrs\n\nExtracted from a pub lished article that cites the primary source. A date on this calendar is n ot a substitute for checking it: rules get stayed\, vacated and amended. URL:https://finance.omc.center/ira-correction-program-icrs CATEGORIES:Money & tax TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261101-aca-marketplace-open-enrollment@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261101 DTEND;VALUE=DATE:20270116 SUMMARY:ACA Marketplace Open Enrollment DESCRIPTION:November 1\, 2026 through January 15\, 2027. Enroll by December 15\, 2026 for coverage that starts January 1 — waiting until the Januar y dates moves the start of coverage.\n\nIssued by: CMS / HealthCare.gov\nA rticle: The ACA Marketplace: Open Enrollment\, Subsidies and Special Enrol lment Periods\nhttps://insurance.omc.center/aca-marketplace-basics\n\nExtr acted from a published article that cites the primary source. A date on th is calendar is not a substitute for checking it: rules get stayed\, vacate d and amended. URL:https://insurance.omc.center/aca-marketplace-basics CATEGORIES:Insurance & Medicare TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261125-the-fcc-s-new-robocall-opt-out-rules-take-effect@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261125 DTEND;VALUE=DATE:20261126 SUMMARY:The FCC's new robocall opt-out rules take effect DESCRIPTION:The rules start 30 days after publication in the Federal Regist er on October 26\, 2026. Until then\, the 2025 standard — including the any-reasonable-means test for senders with no designated method — remain s the baseline.\n\nIssued by: FCC\, 91 Fed. Reg.\nArticle: Replying STOP w on't stop everything anymore: the FCC's new opt-out rules\nhttps://law.omc .center/robocall-stop-opt-out-rules\n\nExtracted from a published article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://law.omc.center/robocall-stop-opt-out-rules CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20261214-the-fda-rewrites-80-food-standards-for-salt-subs@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20261214 DTEND;VALUE=DATE:20261215 SUMMARY:The FDA rewrites 80 food standards for salt substitutes DESCRIPTION:The final rule takes effect December 14\, 2026\, and lets salt substitutes be used in foods whose standards of identity previously named salt specifically.\n\nIssued by: FDA final rule\nArticle: The FDA has rewr itten 80 food standards so salt substitutes can be used\nhttps://health.om c.center/fda-salt-substitute-final-rule\n\nExtracted from a published arti cle that cites the primary source. A date on this calendar is not a substi tute for checking it: rules get stayed\, vacated and amended. URL:https://health.omc.center/fda-salt-substitute-final-rule CATEGORIES:Health TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20270101-medicare-negotiated-drug-prices-second-round@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20270101 DTEND;VALUE=DATE:20270102 SUMMARY:Medicare negotiated drug prices\, second round DESCRIPTION:Negotiated prices for 15 more prescription drugs take effect Ja nuary 1\, 2027\, on top of the first round already in force.\n\nIssued by: CMS\nArticle: Medicare's second round of negotiated drug prices starts Ja nuary 1\, 2027\nhttps://insurance.omc.center/medicare-negotiated-drug-pric es-2027\n\nExtracted from a published article that cites the primary sourc e. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://insurance.omc.center/medicare-negotiated-drug-prices-2027 CATEGORIES:Insurance & Medicare TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20270101-new-airline-delay-cause-codes-apply-to-flights@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20270101 DTEND;VALUE=DATE:20270102 SUMMARY:New airline delay cause codes apply to flights DESCRIPTION:The sixth cause category applies to flights operating on or aft er January 1\, 2027\; carriers report the flights within 15 days of the mo nth’s end.\n\nIssued by: Department of Transportation\nArticle: How a fl ight delay gets blamed: five cause codes\, a sixth on the way\, and why it slipped to 2027\nhttps://law.omc.center/airline-delay-cause-categories\n\ nExtracted from a published article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, v acated and amended. URL:https://law.omc.center/airline-delay-cause-categories CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20270118-the-genius-act-and-the-occ-stablecoin-rule-arriv@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20270118 DTEND;VALUE=DATE:20270119 SUMMARY:The GENIUS Act and the OCC stablecoin rule arrive together DESCRIPTION:The statute’s effective date is January 18\, 2027\, and the O CC’s implementing rule (91 Fed. Reg. 67000\, published October 23\, 2026 ) lands the same day.\n\nIssued by: OCC\, 91 Fed. Reg. 67000\nArticle: Wha t the OCC's stablecoin rule promises you\, and what it does not\nhttps://f inance.omc.center/stablecoin-redemption-rules\n\nExtracted from a publishe d article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://finance.omc.center/stablecoin-redemption-rules CATEGORIES:Money & tax TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20270630-washington-s-outright-non-compete-ban@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20270630 DTEND;VALUE=DATE:20270701 SUMMARY:Washington's outright non-compete ban DESCRIPTION:Washington already limits non-competes by income threshold\; HB 1155 replaces that with an outright ban effective June 30\, 2027. It is n ot retroactive.\n\nIssued by: Washington HB 1155\nArticle: Non-Competes: W hat Actually Happens When You Take the Other Job\nhttps://law.omc.center/n on-compete-agreements\n\nExtracted from a published article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://law.omc.center/non-compete-agreements CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT BEGIN:VEVENT UID:20270701-oklahoma-s-supported-decision-making-law@omc.center DTSTAMP:20261103T124609Z DTSTART;VALUE=DATE:20270701 DTEND;VALUE=DATE:20270702 SUMMARY:Oklahoma's supported decision-making law DESCRIPTION:Oklahoma adopts the supported-decision-making alternative to gu ardianship on July 1\, 2027\, after Utah’s version took effect January 1 \, 2026.\n\nIssued by: Oklahoma statute\nArticle: Wills and Advance Direct ives: Who Decides When You Cannot\nhttps://law.omc.center/wills-and-advanc e-directives\n\nExtracted from a published article that cites the primary source. A date on this calendar is not a substitute for checking it: rules get stayed\, vacated and amended. URL:https://law.omc.center/wills-and-advance-directives CATEGORIES:Law TRANSP:TRANSPARENT STATUS:CONFIRMED END:VEVENT END:VCALENDAR