Regulations & Policy: Page 3


  • Connecticut State Capitol
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    DenisTangneyJr via Getty Images
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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
  • Animated hooded person steps off a laptop screen with an oversized credit card under his arm. Explore the Trendline
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    tommy via Getty Images
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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
  • 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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    Anna Moneymaker via Getty Images
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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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    Neilson Barnard / Staff via Getty Images
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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
  • Several Visa credit cards displayed on flat surface
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    Justin Sullivan via Getty Images
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    Visa, FIS boost value-added card services

    The companies say they aim to strengthen tech tools available for smaller financial institutions in issuing cards.

    By Tatiana Walk-Morris • June 30, 2025
  • BNPL New York regulation Adrienne Harris
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    Anna Moneymaker via Getty Images
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    NY crafts BNPL rules

    New York’s regulation of buy now, pay later will be based on data and BNPL firms' input, DFS boss tells fintech conference amid industry disapproval.

    By Justin Bachman • June 27, 2025
  • Hand of businessman using smart phone with coin icon
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    I going to make a greatest artwork as I can, by my head, my hand and by my mind. via Getty Images
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    Stablecoins may act as finance bridge

    Stablecoins are like “another payment rail,” said Vince Tejada, who heads treasury and strategic finance at stablecoin infrastructure provider Bastion.

    By Grace Noto • June 26, 2025
  • A scene with people standing at colorful booths at the Nacha Faster Smarter Payments conference in Miami in 2024.
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    Lynne Marek/Payments Dive
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    Payments conferences yet to come in 2025

    Artificial intelligence, FedNow and the ISO 20022 standards are expected to be hot topics at this year’s payments conferences.

    By Shefali Kapadia • Updated June 26, 2025
  • FedNow Federal Reserve Bank
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    Mesut Dogan via Getty Images
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    FedNow delivers new risk management tools

    Alongside those instant payment security features, the Federal Reserve increased the maximum payment that can be sent over the real-time system to $1 million.

    By Tatiana Walk-Morris • June 26, 2025
  • A sign on building reads "Walmart Home Office"
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    iStock Editorial / Getty Images Plus via Getty Images
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    Stablecoins may push aside payments

    Digital assets have the power to “disintermediate” the financial system by bypassing traditional payment rails, according to a Deloitte report.

    By June 25, 2025
  • ATM fees Visa Mastercard banks lawsuits
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    Joe Raedle via Getty Images
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    Court approves $197M ATM settlement

    The class action agreement covers consumers and ATM operators who alleged that Visa and Mastercard restrained competition in the cash machine market.

    By Justin Bachman • June 24, 2025