Regulations & Policy


  • sports betting sportsbook online gaming digital wallets
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    Chip Somodevilla via Getty Images
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    Gambling on cards, wallets spurs debate

    The growth of U.S. sports betting has given rise to a variety of regulatory proposals addressing gamblers’ use of credit cards and digital wallets.

    By Justin Bachman • July 18, 2025
  • merchant fees credit cards
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    Spencer Platt via Getty Images
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    Opinion

    A small business fight against card fee caps

    “This isn’t a red state or blue state issue, it’s a Main Street issue being driven from both statehouses and Capitol Hill,” writes one small business owner.

    By Jessica Ward • July 17, 2025
  • Hand of person tapping phone with dollar signs floating up Explore the Trendline
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    Trendline

    Top 5 stories from Payments Dive

    The digital evolution of payments is roiling the industry, forcing companies to rethink pricing schemes and revamp corporate strategies. Embedded payments, earned wage access, real-time systems and other innovations will transform the business.

    By Payments Dive staff
  • President Trump in the oval office of the white house as press looks on
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    Win McNamee/Getty Images via Getty Images
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    Treasury faces pushback on ditching checks

    A plan to move the U.S. government to digital payments could prevent vulnerable communities from accessing tax refunds and Social Security benefits, groups warn.

    By Tatiana Walk-Morris • July 16, 2025
  • FTC regulation click to cancel recurring payments chargebacks merchants retail
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    Kevin Dietsch via Getty Images
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    Chargebacks persist as court voids FTC rule

    Consumers view disputed payments as a viable refund alternative, according to a survey that arrived with the demise of a federal “click-to-cancel” rule.

    By Justin Bachman • July 16, 2025
  • The US Federal Reserve building in Washington DC
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    uschools via Getty Images
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    Fedwire makes ISO leap

    The Federal Reserve shifted payments for the Fedwire Funds Service to a new international standard this week without any reported glitches.

    By July 15, 2025
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    Joe Raedle via Getty Images
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    Fintechs blast JPMorgan over data fees

    The largest U.S. bank says it will begin charging the firms to access customer financial data amid an open banking court battle.

    By Justin Bachman • July 15, 2025
  • Senators Tim Scott and Elizabeth Warren converse during a Senate Banking Committee meeting.
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    Chip Somodevilla / Staff via Getty Images
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    6 takeaways from the Senate’s crypto market structure hearing

    Senators largely agreed on the need for regulation, but differed on the potential focus and framing of such a bill.

    By Gabrielle Saulsbery • July 14, 2025
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    Connecticut enacts controversial EWA law

    The state’s governor signed a measure last week that some earned wage access providers opposed.

    By July 14, 2025
  • A female nurse operates a touch screen in a medical clinic.
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    Don Wu via Getty Images
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    Opinion

    Why payments modernization can’t wait

    “The health care industry is a case study for what’s at stake when industries resist or delay modernizing their payment systems,” writes one payments executive.

    By Yusuf Qasim • July 11, 2025
  • FedNow Federal Reserve Bank
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    Mesut Dogan via Getty Images
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    Fed’s ISO ‘big bang’ hits

    The Federal Reserve’s shift of trillions of dollars in payments to the new ISO 20022 standard Monday will reverberate around the world.

    By July 11, 2025
  • BNPL buy now pay later loans HUD housing
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    Kent Nishimura via Getty Images
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    HUD studies BNPL housing risks

    U.S. regulators want to learn more about how buy now, pay later loans may affect borrowers’ finances and housing market stability.

    By Justin Bachman • July 11, 2025
  • money transfer Wise enforcement regulation
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    Simon Carter Peter Crowther via Getty Images
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    Wise to reform AML oversight

    The money transfer firm will pay $4.2 million and bolster anti-money laundering and other compliance in a consent settlement with six states.

    By Justin Bachman • July 10, 2025
  • Tesla CEO Elon Musk in the White House on May 30, 2025.
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    Kevin Dietsch via Getty Images
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    Column

    Will the X payments plan morph?

    With the exit of CEO Linda Yaccarino, it’s a question mark as to when, and whether, the company’s plan for an “everything app” will materialize.

    By July 10, 2025
  • swipe fees merchants interchange settlement Visa Mastercard
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    Fly View Productions via Getty Images
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    Visa, Mastercard vie for Treasury role

    The two biggest card networks bid for a piece of the Treasury Department’s program seeking to modernize the U.S. payments system.

    By July 9, 2025
  • CFPB open banking banks Russell Vought fintechs
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    Court denies open banking briefs

    A federal judge said “friend of the court” briefs wouldn't be helpful in litigation over the Consumer Financial Protection Bureau’s open banking rule.

    By Justin Bachman • July 9, 2025
  • A smartphone displaying the Affirm app
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    Courtesy of Affirm
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    FICO reporting could stunt BNPL

    If buy now, pay later firms know when consumers borrow heavily or fail to make repayments, providers may be reluctant to offer their payment services to so many consumers.

    By July 9, 2025
  • Sen. Elizabeth Warren, wearing a red jacket, speaks into a microphone during a Congressional hearing.
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    Michael A. McCoy / Stringer via Getty Images
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    Warren demands Zelle scam update

    In letters to Zelle’s bank owners, Sen. Elizabeth Warren and two other Democrats asked what the financial institutions are doing to protect customers using the digital payments service.

    By July 8, 2025
  • An exterior of the Barclays Bank headquarters
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    Oli Scarff via Getty Images
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    DailyPay lands novel funding

    The on-demand pay company sourced $200 million from Barclays, Morgan Stanley and Citi through an asset-based securitization to accelerate growth.

    By Tatiana Walk-Morris • July 7, 2025
  • The Louisiana State Capitol Building in Downtown Baton Rouge
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    CRobertson via Getty Images
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    Louisiana, Connecticut advance EWA bills

    While Louisiana enacted a new earned wage access law this month, the controversy over state legislation rages on in Connecticut. 

    By July 7, 2025
  • A Louis Vuitton store.
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    Daphne Howland/Payments Dive
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    Shift4 strategy segues with Global Blue

    The deal is a departure from the company’s typical blueprint for acquisitions, according to analysts.

    By July 7, 2025
  • Alibaba Group sign displayed at booth
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    David Becker via Getty Images
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    Balance, Alibaba team on BNPL for biz clients

    Small and mid-sized businesses can now use Balance’s buy now, pay later financing on the global e-commerce marketplace. 

    By Tatiana Walk-Morris • July 2, 2025
  • an exterior shot of the US capitol building
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    Samuel Corum via Getty Images
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    Processors lean on AI to fight fraud

    Payments players are urging Washington policymakers to leave artificial intelligence less regulated so they can use it to fight fraud.

    By July 2, 2025
  • Two people sending money to each other through a digital wallet app on their smartphones.
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    MStudioImages via Getty Images
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    Early Warning pitches Zelle to Treasury

    The company that owns the peer-to-peer service Zelle suggested the U.S. Treasury Department use that tool to replace checks with digital payments.

    By July 1, 2025
  • Fortnite And Travis Scott Present: Astronomical
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    Affirm delves into in-game payments

    The buy now, pay later player is for the first time partnering with a company that provides in-game payment services to video game developers.

    By June 30, 2025
  • CFPB open banking banks Russell Vought fintechs
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    Kayla Bartkowski via Getty Images
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    Fintechs ask court to uphold open banking

    Banks and the Consumer Financial Protection Bureau are misreading the law that enables open banking, the Financial Technology Association told a federal court.

    By Justin Bachman • June 30, 2025