Regulations & Policy


  • Image attribution tooltip
    Drew Angerer via Getty Images

    Block defends against short seller allegations

    The Jack Dorsey-led digital payments company pushed back by underscoring fraud mitigation tactics and account metrics for its Cash App business.

    By March 30, 2023
  • Button on a keyboard that says 'real-time'
    Image attribution tooltip
    William_Potter via Getty Images

    US remains a laggard in real-time payments: report

    Though the U.S. lags behind other countries, the Federal Reserve is preparing to launch its own real-time payments infrastructure.

    By Tatiana Walk-Morris • March 30, 2023
  • Animated computer with face on it and verification seemingly in process Explore the Trendline
    Image attribution tooltip
    Elena Lukyanova via Getty Images
    Trendline

    Growing fraud boosts focus on identifying customers

    With cybercriminals morphing and multiplying in the COVID-19 era, businesses on the counter-attack and government regulators are racing to keep up.  

    By Payments Dive staff
  • Jack Dorsey, Block CEO
    Image attribution tooltip
    Joe Raedle / Staff via Getty Images

    Analysts call on Block to share anti-fraud details

    Following a controversial short seller’s report, analysts advised digital payments company Block to share more information related to active user numbers and know-your-customer practices.

    By March 29, 2023
  • CFPB Director Rohit Chopra speaks in front of the House Financial Services Committee.
    Image attribution tooltip
    Anna Moneymaker via Getty Images

    Senators urge BNPL crackdown

    Three Democratic U.S. senators pressed the Consumer Financial Protection Bureau to bring big buy now, pay later providers under federal oversight.

    By March 28, 2023
  • A person's hand holding a phone and on the screen is an image of a shopping cart with a banner above that says "BUY NOW PAY LATER!A
    Image attribution tooltip
    B4LLS via Getty Images

    BNPL remains mainly absent from consumer credit histories

    The lack of BNPL data being furnished to credit bureaus more than a year after inclusion efforts were announced points to the complexity involved with fitting the burgeoning payment method into the traditional credit scoring framework.

    By March 27, 2023
  • Portrait of beautiful serious woman with curly hair keyboarding on laptop pc
    Image attribution tooltip

    Shutterstock/shurkin_son

    Sponsored by PayNearMe

    3 ways to increase on-time payments during an economic downturn

    Discover how to increase on-time payments and make flexibility and payment convenience a priority at your business.

    March 27, 2023
  • The exterior of the Consumer Financial Protection Bureau building
    Image attribution tooltip
    The image by Ted Eytan is licensed under CC BY-SA 2.0

    CFPB funding is constitutional, 2nd Circuit court rules

    The decision creates a clear conflict between the Second and Fifth Circuits, providing the Supreme Court with further incentive to directly resolve the issue, said an attorney at Dorsey & Whitney.

    By Anna Hrushka • March 24, 2023
  • Person placing credit card into machine at gas pump.
    Image attribution tooltip
    Justin Sullivan/ via Getty Images

    CFPB seeks to improve credit card transparency

    The agency wants to give consumers more information from credit card issuers so that it’s easier to compare the cards’ offers, especially their interest rates.

    By Tatiana Walk-Morris • March 24, 2023
  • Small wooden box swag from Fed with FedNow logo.
    Image attribution tooltip
    Lynne Marek/Payments Dive

    FedNow attracts real-time payments early adopters

    Companies partnering with the Federal Reserve to test the real-time payments system see it as a way to draw customers and get an edge on rivals.

    By March 23, 2023
  • Hand holding money against a yellow background
    Image attribution tooltip
    Khosrork via Getty Images
    Q&A

    Bank failures could cause SMB credit crunch

    The future small business lending landscape and opportunities for fintechs are shifting in the wake of Silicon Valley Bank’s collapse, according to one fintech CEO.

    By Anna Hrushka • March 22, 2023
  • Stopwatch and $100 bill
    Image attribution tooltip
    baona via Getty Images

    Nacha CEO counts FedNow as competition

    Although FedNow will be a competitor to the ACH network, it’s also poised to fill current gaps in the system, Nacha CEO Jane Larimer said Monday.

    By March 21, 2023
  • American Express logo on window
    Image attribution tooltip
    Scott Olson via Getty Images

    Amex shareholders to vote on abortion-related proposal

    The card company sought to block the proposal from facing a shareholder vote at Amex’s annual meeting in May, but the SEC said it must be voted on.

    By March 21, 2023
  • A representation of blockchain technology
    Image attribution tooltip
    NicoElNino via Getty Images

    Apto Payments, Sardine team on anti-fraud tools

    Apto Payments and Sardine are joining forces to offer commercial customers issuing cards better anti-fraud tools.

    By Tatiana Walk-Morris • March 20, 2023
  • Smart phone showing multiple payment apps.
    Image attribution tooltip

    Vaidik Trivedi

    Brex, other fintechs stand by troubled banks

    After a week of several high-profile bank failures and near-failures, some fintechs don’t see jumping ship as an option.

    By Gabrielle Saulsbery • March 17, 2023
  • A gun lies on a countertop
    Image attribution tooltip
    Brian Blanco / Stringer via Getty Images

    Democrats slam card CEOs on gun code

    A group of attorneys general took card company CEOs to task for pulling an about-face on implementing the gun merchant category code.

    By March 16, 2023
  • People stand outside a closed bank branch.
    Image attribution tooltip
    Justin Sullivan via Getty Images

    Payments execs detail SVB impact

    The Silicon Valley Bank downfall that sent shockwaves through the financial industry forced fintechs, such as Affirm and Marqeta, to react fast.

    By , March 16, 2023
  • Small wooden box swag from Fed with FedNow logo.
    Image attribution tooltip
    Lynne Marek/Payments Dive

    FedNow aims for late end of launch period

    The Federal Reserve is targeting July, as opposed to the earlier end of its prior range, for starting its new real-time payments service.

    By March 16, 2023
  • Window with sticker showing logos for Visa, Mastercard and American Express.
    Image attribution tooltip
    Scott Olson via Getty Images

    Visa, Mastercard depict bank failure impact

    As bank card issuers faltered this past weekend, the card networks monitored payments closely, Visa and Mastercard executives said at a conference.

    By March 15, 2023
  • A crowd of people stands outside Silicon Valley Bank headquarters.
    Image attribution tooltip
    Justin Sullivan via Getty Images

    Fiserv, Jack Henry CEOs react to bank crisis

    Payments processors’ CEOs this week described how their companies were affected by the recent bank industry turmoil, downplaying the impact.

    By , March 15, 2023
  • An SVB sign stands outside the bank's headquarters.
    Image attribution tooltip
    Justin Sullivan via Getty Images

    Payments players caught in SVB fallout

    As the banking crisis spread, payments players, such as FIS, and venture-backed firms, including Payoneer, were caught in the contagion.

    By , March 13, 2023
  • Guns are shown in a gun store
    Image attribution tooltip
    Spencer Platt / Staff via Getty Images

    Amex follows rivals in ditching gun code

    Visa, Mastercard, Amex and Discover all said separately Thursday they’re holding off on earlier plans to implement a new gun merchant category code on their card networks.

    By March 9, 2023
  • Federal Reserve building in Washington, D.C.
    Image attribution tooltip
    Chip Somodevilla via Getty Images

    FedNow may draw in low-income users

    The real-time payments system due later this year could have particular appeal to unbanked and underbanked Americans, Fed researchers say.

    By March 9, 2023
  • People hold crosses in a parking lot with a Walmart sign overhead.
    Image attribution tooltip
    Mario Tama via Getty Images

    Walmart shooter likely used card to buy gun

    The gunman in a 2019 attack at an El Paso Walmart store likely used a credit card to buy his gun online. This story is one in a series of pieces tracking payment methods for guns used in mass shootings.

    By Debbie Carlson • March 7, 2023
  • Business leader assists employee
    Image attribution tooltip
    Michele Pevide via Getty Images

    Behind Synchrony’s decision to join Project Black

    The private label card issuer decided it needed to do more to support entrepreneurs of color and women business owners so it teamed up with Ariel Alternatives.

    By Tatiana Walk-Morris • March 6, 2023
  • Federal Reserve building in Washington, D.C.
    Image attribution tooltip
    Chip Somodevilla via Getty Images

    Senators urge regulators to keep close eye on Zelle

    Five Democrats blasted the platform for its use of murky language, such as “authorized” transactions, in fraud-related reimbursements of customers.

    By Rajashree Chakravarty • March 6, 2023