#small-business
Financial management strategies and tools for small business owners
The CFPB's final Regulation B rule takes effect July 21, 2026, removing disparate-impact liability from ECOA, narrowing the discouragement standard, and adding participant-level documentation requirements for for-profit special-purpose credit programs — a practical guide for small-business borrowers and lenders.
Colorado's HB26-1033, the "Tamale Act," legalizes home-kitchen sales of tamales and other temperature-sensitive foods starting January 1, 2027, and raises the cottage food revenue cap from $10,000 to $150,000 per product per year. Here are the food-safety, labeling, and transport rules producers must meet — and the bookkeeping needed to run at the new scale.
With landfill tipping fees averaging $35–125 per ton and rising 3–7% annually, food-waste haulers and composting operators need books that separate revenue by contract type, track tipping fees by disposal site, and isolate contamination costs — here is a chart-of-accounts structure that makes landfill-diversion savings pitches defensible.
On July 1, 2026, the FDIC, Federal Reserve, and OCC lowered the Community Bank Leverage Ratio from 9% to 8%, making roughly 477 more banks eligible for the simplified capital framework and freeing lending capacity at institutions under $10 billion in assets. Here is what the change means for small business borrowers — and how to keep your books loan-ready.
Connecticut's amended CTDPA took effect July 1, 2026, lowering the coverage threshold to 35,000 consumers, classifying neural data as sensitive, and requiring conspicuous disclosure of AI and LLM training on personal data. Processing any sensitive data — even one record — now triggers coverage, the 60-day cure period is gone, and penalties reach $5,000 per willful violation.
Federal regulators eliminated "reputational risk" from bank supervision in 2026 — a joint OCC-FDIC rule effective June 9, an SBA lender audit, FTC warnings to payment processors, and new state disclosure laws now limit when banks can close accounts. Here's who remains exposed and what to do if your business account is frozen or terminated.
USPS Every Door Direct Mail (EDDM) lets small businesses reach every address on a mail carrier route for about $0.26 per piece, no mailing list required — and direct mail's roughly 4.4% response rate now dwarfs email's 0.12%. How EDDM Retail and BMEU work, what real campaigns returned, and how to track cost per acquisition in your books.
DOJ's Civil Division is using AI data-mining relators to flag 2020 PPP loans for False Claims Act violations under the SBA affiliation rule, with the six-year statute of limitations starting to expire in April and May 2026 and real fraud exposure running a full ten years.
DOL Opinion Letter FLSA2026-5 (May 28, 2026) confirms an exempt, salaried employee can pick up hourly shifts in a separate non-exempt role without losing exempt status — if the base salary stays untouched, the exempt role remains the primary duty, and the two jobs stay genuinely distinct. Here's how to structure and track dual-role pay.
DOL Opinion Letter FLSA2026-8 holds that integral pre-shift work like patient handoffs is compensable, narrows the de minimis defense when timekeeping systems record punches to the minute, and requires rounding policies to be genuinely neutral — a compliance guide for any employer with hourly workers.
Traditional EDI costs small suppliers $10,000–$100,000+ upfront plus $1–$5 per transaction, while the nonprofit DBNAlliance exchange network launched in 2024 cuts per-invoice fees to $0.05–$0.25 — some access points are free. Here's how small B2B sellers can meet Walmart-style electronic invoicing mandates without overpaying, and why structured e-invoices get paid 1.4–2 days faster.
As of July 9, 2026, Etsy requires non-US sellers shipping to US buyers to use Delivered Duty Paid (DDP) — prepaying US tariffs and building them into the listing price — or lose Purchase Protection. This guide covers re-pricing by tariff category and why prepaid duties belong in inventory cost and COGS, not overhead.
