US HB4460

Requires nine federal financial agencies (including the CFPB, FDIC, Federal Reserve, SEC, and Treasury) to include a mandatory disclaimer statement on the first page of all guidance documents issued after enactment

The required statement must clarify that guidance "does not have the force and effect of law," does not establish rights or obligations, is not binding on the agency or public, and that noncompliance does not conclusively establish a legal violation

Defines "guidance" as agency statements of general applicability that set forth policy or interpret statutes/regulations and are intended to affect future behavior of regulated parties

Excludes from the guidance definition: rules promulgated through notice-and-comment rulemaking, agency organizational rules, adjudication decisions, internal agency guidance, and internal executive branch legal advice