Step 1 · Before and after the articles
Registered agent for an LLC (2026): requirements and choices
What a registered agent does for an LLC, when you can be your own, why a P.O. box or virtual mailbox fails, and when a commercial agent helps. Change fees re-checked 6 Oct 2026: GA $20, TX $15, CA no fee, FL $25, NY $30, IL $25.
A registered agent (sometimes “agent for service of process,” “resident agent,” or “statutory agent”) is the person or company the state lists to receive lawsuits, subpoenas, and official notices for the LLC. This page is the cross-state primer — what the role is, when you can be your own agent, why a P.O. box fails, DIY versus a commercial service, and how to change the agent after formation. File in the state where the work is done.
Quick answer: the agent is the in-state street contact who receives lawsuits and official state mail for the LLC — DIY if you meet street-address and availability rules, or a commercial service for coverage and forwarding. A P.O. box or virtual mailbox is not the registered office. Published change fees live in the change-fee table below; post-formation walkthrough on Change registered agent for an LLC.
DIY or a formation shop. The walkthrough on this page is for serving as your own registered agent when you meet the state’s street-address and availability rules. If you would rather pay a shop to handle the filing paperwork, compare these:
| Service | Best for |
|---|---|
| Swyft Filings | Fast online filing with compliance reminders |
| Bizee | Budget-minded formation packages |
| Zenind | Formation bundled with registered agent |
| MyCompanyWorks | Simple, no-frills formation filing |
| MyCorporation | LLC formation plus DBA, EIN and registered agent add-ons |
| CorpNet | Formation packages with a year of registered agent and EIN bundled |
| BizFilings | Established filing service (Wolters Kluwer) |
| doola | Non-US founders forming a US LLC |
| Harbor Compliance | Registered agent and multi-state compliance |
| Business Anywhere | Registered agent + virtual business mailbox |
| ZenBusiness | All-in-one formation packages |
Prices, registered agent renewals, and checkout traps side by side: LLC formation services compared by fit.
What does a registered agent do for an LLC?
A registered agent receives lawsuits, subpoenas, and official state mail for the LLC at an in-state street address during normal business hours, then forwards what arrives. It is not a lawyer retainer, a virtual office, or a privacy shield: the agent’s name and street address go on the Secretary of State record that anyone can search.
The job is narrow and continuous:
- Keep a physical street address in the state of formation (or foreign qualification).
- Be available at that address during normal business hours so process can be served in person.
- Forward what arrives to the LLC at the address the company last gave the agent.
Missing a summons because nobody was home, or because the address was a drop box, is how defaults happen. Failing to maintain an agent at all is how some states move toward administrative dissolution or revocation of a foreign registration. Texas’s registered-agent FAQs say failure to appoint or maintain a registered agent and registered office may result in involuntary termination of a domestic filing entity or revocation of a foreign entity’s registration.
The agent role is also not ownership. Naming yourself agent does not make you a member, and owning the LLC does not make you the agent — see Registered agent vs LLC member. California’s Business Entities FAQs say the agent’s name and physical street address are a public record, open to all; that is the privacy tradeoff when a member uses a home address. What owner privacy a state does and does not allow: Anonymous LLC.
How do I add a registered agent to an LLC?
At formation, name the agent and its in-state street address on the articles of organization (or certificate of formation), after the agent consents. For an LLC that already exists, add or replace the agent with the state’s change filing, such as Texas Form 401, Florida’s change of registered agent, or Georgia’s amended annual registration.
There is no separate “add an agent” filing in most states: the first agent goes on the formation document, and every later agent goes on the change instrument in the change section below. Moving the LLC’s own principal or mailing address is a different filing: Change an LLC’s address.
Registered-agent readiness
Before you name anyone on the articles.
- Physical street address in the formation state (not a P.O. box alone)
- Someone findable there during normal business hours
- Written or electronic consent from the person or company named
- Plan for moves, vacations, and lease changes — or a commercial agent that covers them
- Change-filing path booked if you will switch agents later
Can I be my own registered agent?
Usually yes, if you live in the formation state, have a street address there, and can be found at it during normal business hours. Texas, California, Florida, and Illinois say the LLC itself cannot be its own agent. New York is different: the Department of State is automatically the statutory agent for service of process.
- Georgia. Georgia.gov says the registered agent must have a physical street address in Georgia where an individual can be located in person for the company.
- Texas. The agent may be an individual Texas resident or an entity registered or authorized in Texas; an officer, owner, or employee may serve, but the entity may not serve as its own agent.
- California. Called agent for service of process: a California resident individual or a registered 1505 corporate agent. A business entity cannot act as its own agent.
- Florida. The articles need an agent with a Florida street address who accepts the statutory obligations.
- Illinois. Form LLC-1.36/1.37 says the agent must reside in Illinois (or be a business entity registered with the Secretary of State) and the LLC may not act as its own registered agent.
- New York. The Secretary of State is the statutory agent for service of process for LLCs; an additional registered agent with a New York address is optional and changed by Certificate of Change.
DIY is free of a commercial invoice. The costs are operational: the street address becomes searchable on the state’s business database; someone must be findable there during business hours year-round — vacations, remote stretches, and lease moves create coverage gaps; and a home or office move means a change filing, not a silent update of letterhead. State walkthroughs: Georgia, Texas, California, Florida, New York, Illinois.
Can a registered agent use a P.O. box or virtual mailbox?
No, not as the sole registered office. Georgia, Texas, Florida, and Illinois require a physical street address where a person can be served during business hours, and Texas says the office may not be solely a mailbox service. A virtual mailbox can scan and forward everyday mail, but it does not replace the registered agent.
- Street address in that state. Georgia.gov’s renew page requires a physical street address in Georgia where an individual can be located in person. Texas Form 205 instructions say the registered office must be a street address where process may be personally served during normal business hours and may not be solely a mailbox service or telephone answering service. Florida needs a Florida street address for the agent. Illinois’s Form LLC-1.36/1.37 says the registered office must include the number and street or road address; a PO Box may only be added to the physical address.
- Virtual mailbox or CMRA. A commercial mail-receiving agency is mail tooling: receipt, scanning, forwarding, and sometimes a street-looking address for branding. The same physical-street rule that bars a sole P.O. box applies in substance when the only “office” is a virtual mailbox. This page does not claim any named virtual-mailbox product meets any state’s registered-office statute.
- Banks are a separate question. Banks may want a mailing or principal-office address that is not “registered agent only” for KYC; that is bank policy, not SOS law. See First business checking account.
| Role | Street for service? | OK as sole registered office? | Public SOS record? | Typical bank mailing? |
|---|---|---|---|---|
| Registered agent / registered office | Yes — required | Yes, when street/availability/consent rules are met | Yes — agent name and street are searchable | Sometimes; many banks want a separate mailing address |
| Virtual mailbox / CMRA | Usually no for personal service | Almost never alone | Agent line stays public if you still list an RA | Often used for day-to-day scanned mail |
Do I need a commercial registered agent?
Not as a state requirement, if a DIY agent meets the street-address, availability, and consent rules. A commercial service sells the in-state address, business-hour coverage, and forwarding. Formation shops often bundle the first year with the articles filing; after that, the agent invoice is a separate recurring cost set by the vendor, not the state.
A commercial agent earns its fee when nobody can reliably sit at an in-state street address during business hours — you travel, work remotely, rent a home office you may leave, or want your home address off the agent line (the commercial agent’s address is still public). It also helps when the LLC is foreign-qualified in a state where you have no address at all. Bundling a first year with the articles is convenience pricing, not a state mandate. This page does not quote commercial agent prices; compare vendors on their own sites. Switching from DIY to commercial (or between vendors) is normal — use the change filing below so there is never a gap on the state’s record.
DIY or commercial, the setup is the same five steps:
- Confirm DIY eligibility in your formation state. Check whether a resident individual (often a member who lives in the state) may serve, and remember the LLC cannot be its own agent in Texas, California, Florida, and Illinois. In New York the Department of State is automatically the statutory agent for service of process; an optional additional agent may be listed.
- Secure a physical street address and business-hour coverage. Use an in-state physical street address where a person can accept service during normal business hours. A P.O. box or virtual mailbox alone is not the registered office in states that spell out the rule, including Georgia, Texas, Florida, and Illinois.
- Get the agent’s written or electronic consent. Do not name a person or company without consent. Texas requires consent in written or electronic form; Florida’s articles require the agent to accept the statutory obligations.
- Name the agent on the articles or the state’s change filing. At formation, list the agent on the articles (or equivalent). To switch later, file the state’s change instrument and wait until the Secretary of State shows the new agent before canceling the old one.
- Keep the forwarding address current. Tell the agent where to forward lawsuits, subpoenas, and official state mail. Update that address when the LLC moves, and update the operating-agreement binder or bank KYC file if they list the agent.
How do I change my LLC’s registered agent?
Get the new agent’s consent, file the state’s change instrument, wait until the Secretary of State shows the new agent, then cancel the old one. Published fees: Georgia $20, Texas Form 401 $15, California amended Statement of Information no fee between filing periods, Florida $25, New York $30, Illinois LLC-1.36/1.37 $25 ($75 expedited).
Moving offices, quitting a DIY home address, or switching commercial vendors all require a state filing. Do not cancel the old agent until the new one is on the public record. Full post-formation walkthrough: Change registered agent for an LLC.
- Confirm the new agent meets the state’s street-address and availability rules and has consented in writing or electronically.
- File the change instrument with the formation state’s filing office (online when the portal allows it).
- Keep a copy of the acceptance or receipt. Update the operating-agreement binder and the bank KYC file if they list the agent.
- Only after the state shows the new agent, end the prior commercial contract so there is no coverage gap and no double invoice.
Published change fees for the formation guides on this site, re-checked on each filing office’s fee page on 21 October 2026 (confirm at filing time; portals can add processor charges):
| State | Instrument | Published fee |
|---|---|---|
| Georgia | Amended annual registration (after current-period AR filed) | $20 ($30 by paper with the $10 service charge) |
| Texas | Form 401 (LLC) | $15 |
| California | Amended Statement of Information (between filing periods) | No fee |
| Florida | Change of Registered Agent | $25 |
| New York | Certificate of Change (registered agent designation) | $30 |
| Illinois | Form LLC-1.36/1.37 (non-expedited) | $25 ($75 with 24-hour expedite) |
- Georgia. During an open annual-registration filing you can often update the agent in that same session — that is the annual registration fee, not a separate change instrument.
- California. The periodic Statement of Information still has its own fee when that filing is due. California’s FAQs say a Statement of Information must also be filed if the agent’s name or address changes or the agent resigns.
- Florida. Sunbiz’s annual-report path can also change the agent when the annual report is filed.
- New York. The Secretary of State remains the statutory agent for service either way. Expedited handling is an optional extra fee on the Department of State page.
- Illinois. The annual report cannot change the agent’s name or registered-office address — file the change instrument separately while the company is in good standing.
Who can be a registered agent for an LLC?
An individual who lives in the state, has a street address there, and is available during normal business hours — you, another member, a relative, or your lawyer — or a business entity authorized to do business in the state, such as a commercial agent. Texas, California, Florida, and Illinois say the LLC cannot be its own agent.
The agent should agree before you name them. Some states (Florida, for example) put the agent’s acceptance on the formation filing; Texas requires consent but does not collect it.
What happens if my LLC does not have a registered agent?
Lawsuits can be served another way, such as on the Secretary of State, so you may not see them in time and risk a default judgment. The state can also treat a missing agent as grounds to administratively dissolve the LLC. Keep an agent on file and update the state when it changes.
State reminders, such as annual-report notices, often go to the agent’s address, so an outdated agent is a common route to late fees and lost good standing. Proof the LLC is current: Certificate of good standing. Fixing a dissolution later: Reinstate an administratively dissolved LLC.
Should I be my own registered agent or hire a commercial one?
Be your own if you reliably sit at an in-state street address during business hours and accept that address on the public record. Hire a commercial agent if you travel, work remotely, want your home address off the agent line, or operate in several states. The state charges nothing for DIY; commercial fees are set by the vendor.
| Question | Be your own (or a friend) | Commercial agent |
|---|---|---|
| Cost | $0 | Annual fee set by the provider |
| Always there in business hours? | Only if you reliably are | Staffed office |
| Your address on the public record? | Yes | No, the agent’s address is listed |
| You move or travel | File a change with the state each time | No filing needed |
| Registered in several states | Need a separate person in each | One provider can cover each state |
When comparing commercial agents, ask how fast they forward scanned documents, whether they send annual-report reminders, and what the renewal price is after the first year.
Do I need a registered agent in every state?
Only in each state where the LLC is formed or registered. A domestic LLC needs one in its formation state; if it foreign-qualifies in another state because it transacts business there, that state wants its own agent with a local street address. Forming in Wyoming or Delaware while working in Georgia adds a second agent rather than removing one.
When a second state is in play, start with Foreign qualification for an LLC. Home-state filing is still the cheaper default for a one-state operator — see Foreign LLC and certificate of authority and LLC vs sole proprietorship.
What are the registered agent rules in each state?
Most states require an in-state agent with a physical street address where process can be served during business hours, and a P.O. box alone fails. What differs is the label (registered agent, statutory agent, resident agent, agent for service of process), who may serve, and the form and fee to change it. Find your state below.
State walkthroughs that already mention the agent slot: Georgia, California, Texas, Florida, New York, Illinois, Pennsylvania, North Carolina, Ohio, Michigan, Arizona, New Jersey, Virginia, Colorado, Washington, Massachusetts, Maryland, Tennessee, Indiana, Minnesota, Oregon, Wisconsin, South Carolina, Missouri, Connecticut, Alabama, Louisiana, Kentucky, Oklahoma, Iowa, Kansas, Arkansas, Nevada, Utah, Delaware, Wyoming, New Mexico, Idaho, Mississippi, Nebraska, New Hampshire, Alaska, Hawaii, Maine, Montana, North Dakota, Rhode Island, South Dakota, Vermont, and West Virginia.
- Georgia. Georgia.gov says select a registered agent located in Georgia to receive service of process and official communication. Annual registration (January 1–April 1) reconfirms the agent; a drop box is not a registered office. Mid-year changes use the amended annual registration path noted above.
- Texas. Agent may be an individual Texas resident or an organization registered or authorized in Texas. The LLC cannot be its own agent. Keep Form 401 handy if the agent or office changes.
- California. Called agent for service of process. Individual resident or a registered corporate agent under Corporations Code § 1505. Change the agent on a Statement of Information through bizfile, not by pretending the articles rewrite themselves.
- Florida. Agent name and Florida street address are required on the articles; the agent must accept. Sunbiz’s required new-LLC fees include a separate registered-agent designation line ($25 as published on the Division’s fee table next to the $100 articles fee). Later changes are the $25 change-of-agent line on the same fee table.
- New York. Secretary of State is the statutory agent for service. An optional additional registered agent may be listed. Publication and the written operating agreement are separate New York requirements; they are not the agent role.
- Illinois. The online forming instructions require an Illinois resident individual or an entity authorized to transact business in Illinois, with a matching Illinois street registered office. The LLC cannot be its own agent. Use Form LLC-1.36/1.37 (or the online agent-change service) — not the annual report — to change the agent. See How to form an LLC in Illinois.
- Pennsylvania. Pennsylvania emphasizes a registered office (street address or rural route in PA) more than the “registered agent” phrase used in other states. A P.O. box alone is not enough. Instead of a street address, the Certificate of Organization may list a Commercial Registered Office Provider (CROP) under 15 Pa.C.S. § 109 — you must have a contract with the CROP before listing it; DOS publishes the CROP list. See How to form an LLC in Pennsylvania.
- Ohio. Ohio requires a continuously maintained statutory agent under R.C. § 1706.09 — an Ohio resident individual or a qualifying entity with an Ohio business address. A P.O. box alone is not enough. Update later with Form 521 ($25 on the SOS fee schedule). See How to form an LLC in Ohio.
- North Carolina. The registered agent must be an NC-resident individual or an authorized entity; the registered office must be a physical North Carolina street address (a P.O. box may be mailing only). See How to form an LLC in North Carolina.
- Virginia. Every authorized Virginia business must maintain a registered agent and a Virginia registered office. The office must be the agent’s physical Virginia business address (street, city, ZIP, and county or independent city); a P.O. box alone is not acceptable except in the narrow small-town exception the SCC publishes. Change agent/office with Form LLC1016 (no fee on the SCC LLC forms list). See How to form an LLC in Virginia.
- Colorado. Articles of Organization require a Colorado registered agent with a street address for service of process; keep agent current on the Periodic Report. See How to form an LLC in Colorado.
- Washington. Certificate of Formation requires a Washington registered agent with a Washington street address; agent designation/change is no fee on the SOS fee schedule for the standard change path. See How to form an LLC in Washington.
- Massachusetts. Certificate of Organization requires a Massachusetts resident agent; agent/office changes are on the Corporations Division fee table (paper/fax $25; no fee electronically per that table). See How to form an LLC in Massachusetts.
- Maryland. Articles of Organization require a Maryland resident agent for service of process. See How to form an LLC in Maryland.
- Tennessee. Articles of Organization (SS-4270) require a Tennessee registered agent with a street address for service of process; agent/office changes often use Articles of Amendment ($20 on Forms & Fees — confirm instrument). See How to form an LLC in Tennessee.
- Indiana. INBiz requires a continuous Indiana registered agent and registered office; an entity cannot serve as its own registered agent. See How to form an LLC in Indiana.
- Minnesota. Articles and Annual Renewal require a Minnesota registered-office street address (PO Box alone is not acceptable). See How to form an LLC in Minnesota.
- Oregon. Articles of Organization require an Oregon registered agent; Change of Registered Agent/Address is $0 on the Business Registry Fee Schedule general forms section. See How to form an LLC in Oregon.
- Wisconsin. Articles of Organization require a Wisconsin registered agent and registered-office street address (not a P.O. box alone — Form 502). See How to form an LLC in Wisconsin.
- South Carolina. Articles of Organization require a South Carolina registered agent with a street address for service of process. See How to form an LLC in South Carolina.
- Missouri. Articles of Organization require a Missouri registered agent for service of process. See How to form an LLC in Missouri.
- Connecticut. Certificate of Organization includes appointment of a Connecticut statutory agent; the agent must accept the appointment. See How to form an LLC in Connecticut.
- Alabama. Certificate of Formation requires an Alabama registered agent. See How to form an LLC in Alabama.
- Louisiana. Articles of Organization require a Louisiana registered agent with a municipal street address (not a P.O. box alone). See How to form an LLC in Louisiana.
- Kentucky. Articles of Organization require a Kentucky registered agent with signed consent. See How to form an LLC in Kentucky.
- Oklahoma. Articles of Organization require an Oklahoma registered agent and registered office. See How to form an LLC in Oklahoma.
- Iowa. Certificate of Organization requires an Iowa registered agent with Iowa street and mailing addresses. See How to form an LLC in Iowa.
- Kansas. Articles of Organization require a Kansas resident agent and a street registered office (no P.O. box). See How to form an LLC in Kansas.
- Arkansas. Certificate of Organization requires an Arkansas registered agent. See How to form an LLC in Arkansas.
- Nevada. Articles of Organization require a Nevada registered agent with a Nevada street address. See How to form an LLC in Nevada.
- Utah. Certificate of Organization requires a Utah registered agent with a Utah street address. See How to form an LLC in Utah.
- Delaware. Certificate of Formation requires a Delaware registered agent with a Delaware street address. See How to form an LLC in Delaware.
- Wyoming. Articles of Organization require a Wyoming registered agent with a Wyoming street address. See How to form an LLC in Wyoming.
- New Mexico. Articles of Organization require a New Mexico registered agent with a New Mexico street address. See How to form an LLC in New Mexico.
- Idaho. Certificate of Organization requires an Idaho registered agent with an Idaho street address. See How to form an LLC in Idaho.
- Mississippi. Certificate of Formation requires a Mississippi registered agent with a Mississippi street address. See How to form an LLC in Mississippi.
- Nebraska. Certificate of Organization requires a Nebraska registered agent with a Nebraska street address. See How to form an LLC in Nebraska.
- New Hampshire. Certificate of Formation requires a New Hampshire registered agent with a New Hampshire street address. See How to form an LLC in New Hampshire.
- West Virginia. Form LLD-1 treats a private agent as optional; if named, use a West Virginia street address (SOS serves as attorney-in-fact). See How to form an LLC in West Virginia.
After formation
Keep the agent current the same way you keep the EIN letter: as an operating file, not as a one-time checkbox. When the agent resigns, rejects appointment, or moves, file the state’s change form. Then continue the rest of the stack: Get an EIN after the state entity exists, LLC annual report and annual registration, Foreign LLC and certificate of authority when a second state is in play, LLC operating agreement basics, First business checking account, and After you form an LLC — first 30 days checklist. Annual-report due dates by state: LLC deadline tracker.
Next: the money path. After the registered agent choice (and the articles, if you are filing now) is accepted:
- Get an EIN — free on IRS.gov after the state entity exists
- Open business checking — park operating cash in the LLC’s name
- First brokerage — only if the work needs one
Full first-30-days desk list: After you form an LLC. Setup overview on the setup checklist. Formation shops, if you want one instead of DIY, stay in the callout above.
Registered agent FAQ
- Is my registered agent address public?
- Yes. California’s Business Entities FAQs say the name and physical street address of the agent for service of process is a public record, open to all, and other Secretary of State databases show the same line. Using a home address as a DIY agent puts that home on the public filing.
- Do I need both a registered agent and a virtual mailbox?
- Maybe for convenience, never as a state package requirement. DIY or a commercial registered agent satisfies the Secretary of State rule if street address, availability, and consent are met. A virtual mailbox is optional mail tooling for privacy branding and scanned mail. Formation shops sometimes bundle both as convenience pricing; the state does not require the mailbox half.
- Can I use my registered agent address as my business bank mailing address?
- Sometimes banks accept it; many want a separate mailing or principal-office address for KYC. That ask is bank policy, not Secretary of State law — do not assume the public registered-agent line doubles as every bank’s mailing field. Check the bank’s LLC opening list and see First business checking account.
What this page does not cover
- Drafting or reviewing an operating agreement. See LLC operating agreement basics; a lawyer still drafts when the facts are not trivial.
- Price quotes for commercial agents. Vendors change plans; compare on the vendor’s own site.
- Whether a particular foreign-qualification fact pattern applies. That is nexus and counsel territory — start with Foreign LLC and certificate of authority for fees and instruments, then ask counsel about your facts.
- Any claim that a commercial agent creates liability protection the articles did not already create.
Sources
- Georgia.gov — Register an LLC (registered agent must be located in Georgia; last updated June 2026) — as of June 2026 (page); cited 11 September 2026
- Georgia.gov — Renew an LLC (registered agent must be a physical street address in Georgia where a person can be located) — as of June 2026 (page); re-checked 21 October 2026
- Georgia Secretary of State — Form CD 920 Amended Annual Registration instructions (Rev. 9/2025: change registered agent name/address after the current-period annual registration is filed; $20 filing fee + $10 service charge) — as of 21 October 2026
- Texas Secretary of State — Registered Agents FAQs (who can serve; entity cannot be its own agent; maintain agent or risk involuntary termination; Form 401 for change) — as of 21 October 2026 (re-checked)
- Texas Secretary of State — Form 205 instructions (LLC cannot act as its own agent; consent in written or electronic form; registered office may not be solely a mailbox service or telephone answering service) — as of Instructions revised 09/26; checked 6 October 2026
- Texas Secretary of State — Business Filings & Trademarks Fee Schedule (Form 401 change of registered agent/office by LLC $15) — as of 21 October 2026 (re-checked)
- California Secretary of State — Business Entities FAQs (agent for service of process; name and physical street address are a public record; entity cannot act as its own agent) — as of 21 October 2026 (re-checked)
- California Secretary of State — Business Entities Fee Schedule (amended Statement of Information between filing periods to report a change of information: no fee) — as of 21 October 2026 (re-checked)
- Florida Division of Corporations — LLC Fees (change of registered agent $25) — as of 21 October 2026 (re-checked)
- Florida Division of Corporations — e-file a Florida LLC (registered agent designation; agent acceptance) — as of 6 October 2026
- New York Department of State — Forming a Limited Liability Company in New York — as of 11 September 2026
- New York Department of State — Service of Process/Notice of Claim (Secretary of State is statutory agent for LLCs) — as of 6 October 2026
- New York Department of State — Certificate of Change for Domestic LLCs (make, revoke, or change registered agent designation; $30 filing fee; optional expedite $25/24 hours) — as of 21 October 2026 (re-checked)
- Illinois Secretary of State — LLC Change of Registered Agent and/or Agent's Office Address (Form LLC-1.36/1.37 path; $25 non-expedited; $75 with 24-hour expedite) — as of 21 October 2026 (re-checked)
- Illinois Secretary of State — Information for Forming an LLC Online (registered agent must live in Illinois or be an entity authorized in Illinois; P.O. box alone is not a registered office) — as of 11 September 2026