Regulations & Policy


  • credit cards interest rates caps Congress Elizabeth Warren Jamie Dimon banks
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    Jemal Countess via Getty Images
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    Senator spars with JPM’s Dimon

    Sen. Elizabeth Warren says a bill she’s backing emulates a proposal by JPMorgan Chase CEO Jamie Dimon to let states determine their own card interest rate caps.

    By Feb. 18, 2026
  • The Office of the Comptroller of the Currency's seal hangs on a brick building.
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    Permission granted by Office of the Comptroller of the Currency
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    Stripe’s Bridge wins OCC conditional approval

    The nod for a national trust bank charter comes after digital-asset firms Circle, Ripple and Paxos received a similar green light.

    By Dan Ennis • Feb. 18, 2026
  • Trendline

    Payments industry seeks to keep pace with fraudsters

    As losses from fraud in payments have climbed, companies are seeking new tools to combat illicit schemes.

    By Payments Dive staff
  • Russell Vought CFPB
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    Kayla Bartkowski via Getty Images
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    GAO details CFPB’s downsizing

    The scope of the CFPB’s downsizing were explored in two reports released Monday, one of which concludes that the changes cost consumers $19 billion.

    By Gabrielle Saulsbery • Feb. 11, 2026
  • Walmart retail credit card swipe fees Visa Mastercard
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    Jessica McGowan via Getty Images
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    Merchants seek hearing on card pact

    Large retailers opposing a swipe-fee settlement with Visa and Mastercard want a judge to hear oral arguments before he rules on the proposal.

    By Feb. 11, 2026
  • Illinois card fee interchange law litigation retail restaurants
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    Judge backs Illinois law on card fees

    A U.S. judge ruled that federal bank law doesn’t preempt an Illinois effort to ban card interchange fees on sales tax and tips. Bank groups vowed to appeal.

    By Feb. 11, 2026
  • earned wage access lawsuits appeals
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    EWA products aren’t loans: fintechs

    Trade groups representing fintechs filed briefs urging a U.S. appeals court to reverse two district court rulings against earned wage access providers.

    By Feb. 10, 2026
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    Teresa Kroeger via Getty Images
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    Block to chop up to 10% of employees

    The company is reducing its workforce to trim overhead costs and stay below a 12,000 employee cap, analysts said.

    By Feb. 9, 2026
  • Federal Reserve ACH FedNow real time payments fintechs banks
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    Alex Wong via Getty Images
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    Fed ‘skinny’ account idea draws criticism

    A prototype payment account carries undue restrictions, fintech groups said in response to a Fed proposal that offers expanded real-time payments access.

    By Feb. 9, 2026
  • Arizona mulls card rate cap

    A state senator has introduced a bill that follows President Donald Trump’s lead in seeking to cap credit card interest rates.

    By Feb. 5, 2026
  • China Visa P2P payments remittances crossborder
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    Kevin Frayer via Getty Images
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    Visa pushes real-time payments into China

    The company is partnering with UnionPay International to bring direct payments to debit cardholders in one of the largest remittance markets.

    By Feb. 3, 2026
  • A hand holds a smartphone displaying the Affirm app.
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    Courtesy of Affirm
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    Why some payments companies want to be banks

    Banking charters let those companies streamline their services and save money by not partnering with banks.

    By Feb. 3, 2026
  • The state capitol in Augusta, Maine
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    Maine, DC weigh EWA regulations

    Supporters of earned wage access are seeking to shape regulation being considered in Maine and the District of Columbia.

    By Feb. 2, 2026
  • A close up of a man's hand holding a phone displaying a conversation with a chatbot.
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    Charting 2026 payments trends

    Here are 4 stories that round up our deep dive outlook for this year, including coverage of agentic payments, fraud and personalization.

    By Jan. 30, 2026
  • A logo of Square, inc. is displayed on a metal sign tht is positioned infront of a commerical building.
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    Alamy
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    Block opens Dublin office

    The location, announced Thursday, will include a demonstration lab to show off products to potential European customers.

    By Jan. 30, 2026
  • Attendees at the Money 20/20 financial services conference in Las Vegas last year.
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    Lynne Marek/Payments Dive
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    Mastercard reworks Cap One pact

    The card network's CEO said the company signed a new agreement with Capital One, reaffirming ties despite the bank’s purchase of rival Discover.

    By Jan. 29, 2026
  • Fiserv headquarters
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    Courtesy of Fiserv
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    Fiserv sued over alleged lax security

    A Tampa credit union alleged that the processor failed to protect customers from cyber hacks, but charged extra fees for a security upgrade.

    By Jan. 29, 2026
  • agentic commerce AI payments fraud retail sales merchants
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    Deep Dive

    Bot payments lag in agentic commerce

    Within the emerging world of agentic commerce, a broad gap exists between bot shopping and autonomous payments.

    By Jan. 29, 2026
  • A man waves an American flag as he walks outside the Missouri State Capitol building in Jefferson City.
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    Michael B. Thomas via Getty Images
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    State legislatures mull remittance restrictions

    Battle lines are being drawn in Florida and Missouri over legislation that would bar money transfer firms from servicing “unauthorized aliens.”

    By Jan. 28, 2026
  • earned wage access lawsuits New York Attorney General Letitia James paychecks
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    Natasha Moustache via Getty Images
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    DailyPay seeks to dismiss NY lawsuit

    The earned wage access provider and MoneyLion cited a federal agency opinion last month in asking judges Friday to dismiss the New York AG’s complaints.

    By Jan. 27, 2026
  • Visa Mastercard credit cards interchange fees merchants
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    Credit card delinquencies drop, says Fed bank

    The decline happened even as U.S. consumers spent more on their credit cards, data from the Federal Reserve Bank of Philadelphia shows.

    By Jan. 27, 2026
  • Seated man speaking with New York Times logo in background and the name 'Max Levchin'
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    Neilson Barnard via Getty Images
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    Affirm seeks Nevada bank charter

    The company said Friday that it submitted applications to state and federal regulators to start Affirm Bank.

    By Jan. 23, 2026
  • Jamie Dimon JPMorgan Chase credit cards interest rates Trump
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    Alexander Tamargo via Getty Images
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    JPMorgan CEO mocks card rate cap idea

    The government should impose a 10% credit card interest rate freeze in Massachusetts and Vermont as an experiment, CEO Jamie Dimon said.

    By Jan. 22, 2026
  • Klarna BNPL IPO NYSE buy now pay later Walmart
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    Courtesy of Klarna Group
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    Klarna to offer after-purchase BNPL

    Shoppers will be able to convert purchases into installment loans after the transaction, the company said Tuesday.

    By Jan. 21, 2026
  • In the foreground is a computer screen displaying an animated image of a girl, and in the background people stand with their hands up on their heads.
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    Ezra Acayan / Stringer via Getty Images
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    Deep Dive

    Payments fraud risks burgeon with AI

    The artificial intelligence threats are mounting, but so are the defenses, as new industry trends take hold, from agentic commerce to passkey adoption.

    By Jan. 21, 2026
  • Wyoming stable token cryptocurrency state government
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    Getty Images
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    Wyoming has big plans for stablecoin

    The first state-issued stable token is being deployed to reduce card interchange costs and simplify payments to vendors.

    By Jan. 21, 2026