In these final regulations we address the rights of individuals regarding overpayment and waiver determinations in the Social Security and Black Lung benefits programs by stating policy established as a result of a series of court decisions, beginning with the 1974 court decision in Buffington, et al. v. Weinberger and including the Supreme Court decision in Califano v. Yamasaki. The effect of these final regulations is to codify these additional rights for overpaid individuals established in these court decisions.