#compliance
Compliance
Navigate regulatory compliance and maintain audit-ready financial records
PBM Reform Is Finally Law: What the 2026 Appropriations Act Means for Independent Pharmacy Reimbursement
Congress tucked sweeping PBM reforms into the Consolidated Appropriations Act of 2026 — banning spread pricing and rebate retention from 2028, mandating semiannual transparency reports, and creating any-willing-pharmacy and essential retail pharmacy protections from 2029. Here is what changes, when, and how to rebuild your books.
The 10-Year PPP Fraud Clock: Why Forgiven Loans Stay Enforceable Until 2030
Congress set a 10-year statute of limitations for PPP fraud, so a loan funded in 2020 can be charged until 2030 and forgiveness is not a defense. This guide covers False Claims Act liability, the five eligibility tripwires still generating cases, and the six-year record-retention rule borrowers must meet.
Self-Insured Groups for Workers' Comp: When Pooling Risk Beats a Traditional Policy in 2026
A workers' compensation self-insured group lets similar small employers pool contributions into a shared trust instead of paying premiums — trading a carrier's profit margin for joint and several liability. Covers how SIGs work, the accounting for contributions, dividends, and assessments, and who should stay with a traditional policy.
Virginia's New Wage Liability Law: What HB 238 Means for General Contractors After July 1, 2026
Virginia HB 238 makes general contractors automatically jointly and severally liable for wages owed to a subcontractor's employees on construction contracts entered on or after July 1, 2026 — regardless of knowledge, and even when sworn payroll certifications say wages were paid. Here is what changed and how to reduce the exposure with tighter contracts, verified payroll, and clean job-cost accounting.
Accrued Vacation Pay Is a Liability You Already Owe: A Small Business Guide to PTO Accruals and Payout Rules
How to accrue unused PTO as a liability month by month under ASC 710, calculate it with payroll taxes, book the journal entries, and apply the three state-law buckets that decide whether you must cash out vacation at separation.
Payroll Data Privacy in 2026: A Small-Employer Guide to California, Colorado, and Virginia
Since January 1, 2023 California treats payroll records as protected personal information under CCPA/CPRA, while Colorado's 2025 biometric amendment and Virginia's 2026 changes narrow the "employee exemption." Here is a 30-day compliance plan covering the workforce privacy notice, retention schedule, security, rights requests, and vendor contracts for small employers.
Childcare Center Bookkeeping: Why Subsidy, CACFP, and Private Tuition Need Separate Income Categories
Childcare centers that book private tuition, CCDF/CCW subsidy reimbursements, and CACFP meal reimbursements to one income line can't reconcile deposits to attendance or meal counts, which is the most common finding in subsidy and CACFP audits.
Connecticut's All-In Pricing Law: A Small Business Guide to Junk-Fee Compliance Before July 1, 2026
Starting July 1, 2026, Connecticut's SB 3 requires the first price a business advertises to include every mandatory fee except taxes and government charges. Here is how small businesses rewire pricing displays, checkout flows, and bookkeeping to comply.
France's Mandatory B2B E-Invoicing Starts September 1, 2026: A US Small Business Survival Guide
Starting September 1, 2026, France requires structured e-invoices (Factur-X, UBL, or CII) for domestic B2B transactions, and US sellers with no French establishment must supply clean, itemized invoice data so their French customers can meet the parallel e-reporting obligation.
IRS Business Tax Account Revalidation: Why Your S-Corp or C-Corp Access Expires Every Year
The IRS requires S-corp and C-corp Designated Officials to revalidate Business Tax Account access every June 15 through July 29 or lose online access to payments, transcripts, and notices until they reapply from scratch.
Medical Debt and Your Credit Report in 2026: What the Vacated Federal Ban Means and What Protections Still Apply
The CFPB's national medical-debt reporting ban was vacated in July 2025, but three-bureau reforms still remove paid collections, unpaid debt under $500, and debt less than a year old, and at least 15 states keep their own limits in place.
USDA's New SNAP Stocking Rule: The 84-Unit Inventory Test That Decides Your EBT Authorization on November 4
Starting November 4, 2026, SNAP-authorized small stores must stock 7 varieties in each of 4 staple food categories — 84 units total, up from 36 — with perishables in 3 categories, or risk losing EBT authorization. How to map varieties, track depth, flag perishables, and file invoices in your books before an FNS inspection.