Regulations & Policy

  • Jamie Dimon JPMorgan Chase credit cards interest rates Trump
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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
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    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
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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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    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
  • Person placing credit card into machine at gas pump.
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    Justin Sullivan/ via Getty Images
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    Consumers push back on swipe fees: survey

    A third of merchants reported customers cancelling purchases when a credit card surcharge is included in their bill, analytics firm J.D. Power found.

    By • Jan. 20, 2026
  • credit cards fees Visa Mastercard merchants swipe litigation networks
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    Michael M. Santiago via Getty Images
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    Merchant lawyers laud surcharge option

    Lawyers for merchants suing Visa and Mastercard over fees reiterated support for a settlement that may saddle consumers with added cost.

    By • Jan. 20, 2026
  • The Federal Trade Commission emblem on the Constitution Center in Washington, D.C.
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    Laurel Deppen/Payments Dive
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    FTC blasts payments processor Cliq

    The Federal Trade Commission lashed out at the firm formerly known as CardFlex, saying this week it should pay $52.9 million to consumers.

    By • Jan. 16, 2026
  • fraud ID theft mobile phones technology biometrics
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    PayPal alums build fraud startup

    Veterans from the digital payments pioneer founded Pinch AI and have raised capital for a business that detects fraudulent returns.

    By Tatiana Walk-Morris • Jan. 15, 2026
  • Ritchie Torres earned wage access fintechs regulation Congress
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    House Democrat joins EWA effort

    Earned wage access providers support a forthcoming bipartisan House bill that would provide federal regulation, overriding state laws.

    By • Jan. 15, 2026
  • fintechs JP Morgan Chase open banking APIs
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    Trump interest cap might spur lawsuit

    The CFO of the largest U.S. lender, JPMorgan, doesn’t rule out potential litigation by the banking industry to block any credit card interest rate cap.

    By Caitlin Mullen • Jan. 14, 2026
  • Visa Mastercard credit cards interchange fees merchants
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    Credit Card Competition bill wins Trump support

    Sens. Dick Durbin and Roger Marshall reintroduced their proposal calling for more competition in the card network industry after the president endorsed it.

    By , • Updated Jan. 13, 2026
  • A close-up of Russell Vought, Director of the Office of Management and Budget, shows him looking up.
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    Anna Moneymaker / Staff via Getty Images
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    Vought concedes on CFPB funding

    The CFPB’s acting director requested $145 million from the Federal Reserve to carry out agency duties for the fiscal second quarter, but noted he disagreed with a judge’s decision ordering the agency to do so.

    By Caitlin Mullen • Jan. 13, 2026
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    Anna Moneymaker / Staff via Getty Images
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    Trump proposes card rate cap; banks eschew idea

    The president said he’d like a 10% cap on credit card interest rates for a year, starting this month, but banks said it would be “devastating” for consumers.

    By • Jan. 12, 2026
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    Checkout.com grabs special banking charter

    The payments processor received conditional approval for Georgia’s merchant acquirer limited purpose bank charter.

    By • Jan. 12, 2026
  • President Donald Trump signs Genius Act with congressional members around him in White House room.
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    Win McNamee via Getty Images
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    Stripe to enable crypto payments

    A collaboration with Crypto.com announced Tuesday will allow consumers to make payments to merchants with digital currencies.

    By • Jan. 9, 2026
  • President Donald Trump waves to a crowd at the White House on April 2, 2025.
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    Andrew Harnik via Getty Images
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    Opinion

    How the US can drive payments modernization

    "The moment has arrived for the U.S. to meet the G20 targets and pursue the rewards of a faster, cheaper, and more competitive financial ecosystem," writes one payments executive.

    By Brigit Carroll • Jan. 9, 2026
  • CFPB earned wage access income employees regulations Russell Vought
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    Win McNamee via Getty Images
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    CFPB must request funds from Fed, court rules

    A federal judge rejected an argument that the bureau would run out of money in early 2026 because the central bank hadn’t turned a profit since 2022.

    By Dan Ennis • Jan. 7, 2026
  • A hand holds a phone on a kitchen table. The screen reads, "It's nice to see you, Diego! PayPal balance: $151.68, Crypto: $263.63. Send again."
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    Courtesy of PayPal
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    Deep Dive

    How payments will evolve: 6 industry trends to watch in 2026

    Stablecoins and agentic commerce are two trends that will shape payments this year, but there are several others highlighted in this list.

    By , , • Jan. 6, 2026
  • DOJ use of statements of interest in antitrust law
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    Bo Shen via Getty Images
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    DOJ presses Visa antitrust case

    The Justice Department is pressing ahead with the debit card market case brought against the network during the Biden administration.

    By • Jan. 6, 2026
  • Klarna BNPL IPO NYSE buy now pay later Walmart
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    Courtesy of Klarna Group
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    Klarna faces investor lawsuit

    The buy now, pay later company understated the risks of its consumer loans, the legal action alleges.

    By • Jan. 5, 2026
  • FedNow Federal Reserve instant payments banks
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    Michael M. Santiago via Getty Images
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    Fed report stirs debit fee debate

    The Federal Reserve issued a biennial report last week detailing interchange fees related to debit card transactions, reviving a battle over the central bank’s plans to reset a cap on the fees.

    By • Dec. 23, 2025
  • CFPB earned wage access income employees regulations Russell Vought
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    Win McNamee via Getty Images
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    CFPB shifts on EWA policy, again

    Certain employer-partnered earned wage access products aren’t subject to U.S. lending laws, the bureau said, formally discarding a 2024 Biden-era rule.

    By • Dec. 23, 2025
  • A Klarna sign at a Charlotte Premium Outlets mall in Charlotte, N.C. on March 26, 2022.
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    Caitlin Mullen/Payments Dive, data courtesy of Industry Dive employee Caitlin Mullen
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    Klarna, Shift4 embrace stablecoins

    Both companies announced stablecoin ventures in the past week.

    By • Dec. 23, 2025
  • The Federal Reserve building is seen January 22, 2008 in Washington, DC. People walk by.
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    Chip Somodevilla via Getty Images
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    Fed seeks ‘skinny’ account comment

    The Federal Reserve Board voted 6-1 Friday to gather public comment on creating a new special payments account for use by financial institutions.

    By • Dec. 22, 2025
  • Several Visa credit cards displayed on flat surface
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    Justin Sullivan via Getty Images
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    Opinion

    Visa’s new program rejects fake data

    “The industry has pulled together to try and meet the new requirements,” writes one industry CEO. “Unfortunately, some processors and gateways are already trying to game it.”

    By Jeremy Layton • Dec. 19, 2025