@Dan As you predicted, the airlines have used the new DOT rule regulating refunds for delayed flights to increase the minimum required scheduled change to refund a flight.
International flights are now 6 hours!!!
It also seems that if the outbound is cancelled, they will now automatically cancel the return right away.
Also, you won't be able to choose to get a credit, since you automatically get a refund (not sure how this works with tickets purchased with travel bank).