Regulations & Policy


  • Former Fiserv CEO Frank Bisignano lays hand on shoulder of President Donald Trump in Oval Office with flag in background.
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    Andrew Harnik via Getty Images
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    Fiserv, PayPal ex-CEOs grab new roles

    The former chief executive of the payments processor behemoth will now lead the Internal Revenue Service as well as the Social Security Administration.

    By Oct. 6, 2025
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    Permission granted by Checkout.com
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    Checkout.com seeks Georgia banking charter

    If Checkout.com succeeds in its bid to be a merchant acquirer limited purpose bank, it would become the third company – after Fiserv and Stripe – to do so.

    By Gabrielle Saulsbery • Oct. 3, 2025
  • 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
  • BNPL buy now pay later online shopping retail sales consumer lending
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    Gorodenkoff via Getty Images
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    Opinion

    BNPL lenders should report customers’ data

    Keeping BNPL data from consumers’ credit reports is preventing millions of people from building credit, the CEO of a fintech trade association says.

    By Phil Goldfeder • Oct. 3, 2025
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    DOJ granted brief stay in Visa debit case

    The U.S. government’s closure this week prompted the Justice Department to request a “temporary” pause in its antitrust lawsuit against Visa.

    By Justin Bachman • Updated Oct. 3, 2025
  • People mill at a conference with a Global Payments sign that markets its Genius brand in the background.
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    Lynne Marek/Payments Dive
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    Payments conferences to keep on your radar for 2026

    The U.S. open banking rule and artificial intelligence are expected to be hot topics at next year’s payments industry events.

    By Shefali Kapadia • Oct. 1, 2025
  • BNPL buy now pay later New York consumer lending
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    Anna Moneymaker via Getty Images
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    NYDFS’ Adrienne Harris to step down

    Kaitlin Asrow, who leads the regulator’s research and innovation division and previously was a senior fintech policy adviser at the San Francisco Fed, will serve as the state agency’s acting superintendent starting Oct. 18.

    By Dan Ennis • Sept. 30, 2025
  • Federal Reserve Board Governor Christopher Waller sits at table speaking.
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    Sarah Silbiger via Getty Images
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    Technology could make payments cheaper: Waller

    Fed Gov. Christopher Waller touted the benefits of stablecoins and distributed ledgers, saying that new technology should not be feared.

    By Gabrielle Saulsbery • Sept. 30, 2025
  • Treasury federal paper checks fraud IRS Social Security
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    Opinion

    The trouble with ending US checks

    The government must modernize payments, but officials retiring paper checks should be thoughtful and inclusive, the CEO of a consumer group writes.

    By Jennifer Tescher • Sept. 26, 2025
  • earned wage access lawsuits New York Letitia James DailyPay MoneyLion
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    DailyPay case belongs in state court, judge rules

    A federal judge agreed with the New York attorney general that state court is the proper jurisdiction for a lawsuit against the earned wage access lender.

    By Justin Bachman • Sept. 25, 2025
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    Anna Moneymaker via Getty Images
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    CFPB ends U.S. Bank, Apple consent orders early

    The bureau contends the bank and tech giant have paid their penalties in separate cases related to unemployment benefits restrictions and the launch of the Apple Card.

    By Dan Ennis • Sept. 23, 2025
  • PayPal Tencent Tenpay Global p2p money transfers money laundering US government
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    hapabapa via Getty Images
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    PayPal probed on China ties

    A House select committee wants the payments giant to detail how it ensures anti-money laundering compliance within its Weixin Pay partnership.

    By Justin Bachman • Sept. 23, 2025
  • The Office of the Comptroller of the Currency logo
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    Payment players offer fraud fixes

    EWS, Nacha and the Financial Technology Association told regulators that collaboration, information-sharing and more consumer education are needed to tackle payments fraud.

    By Caitlin Mullen • Sept. 23, 2025
  • Square merchants point of sale
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    Opinion

    Don’t conflate surcharges and ‘junk’ fees

    “Payment processors and merchants must strongly oppose claims conflating credit card surcharging with mandatory or ‘junk’ fees,” say legal pros.

    By Jonathan Razi and Keturah Taylor • Sept. 19, 2025
  • U.S. senators walking in a crowded hallway of the U.S. Capitol near elevators.
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    Chip Somodevilla via Getty Images
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    Opinion

    APR caps would shrink access to credit

    “Well-meaning legislation shouldn’t leave behind the very people it intends to help,” writes one bank CEO.

    By David Becker • Sept. 12, 2025
  • Hand of businessman using smart phone with coin icon
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    Stablecoin advances crypto adoption

    Once large banks and big payments companies “start leaning in, then obviously that gets the flywheel going,” says Taxbit CEO Lindsey Argalas.

    By Grace Noto • Sept. 10, 2025
  • CFPB open banking banks Russell Vought fintechs Trump cryptocurrency
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    Anna Moneymaker via Getty Images
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    Column

    Open banking looks better with crypto

    After fintechs and crypto bros showed how banks might fetter digital assets, the Consumer Financial Protection Bureau revamped its views of open banking.

    By Justin Bachman • Sept. 8, 2025
  • A close-up of a paper pay slip with tax and pension information.
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    Opinion

    Earned wage access should be free

    “This industry simply cannot continue to charge employees to access their pay,” writes a fintech founder. “We cannot expect employers to deduct these fees from paychecks through payroll.”

    By Jason Lee • Sept. 5, 2025
  • Chase Bank sign on Broadway New York
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    Chase flags end of gov’t checks

    The JPMorgan bank says it’s striving to make branch customers aware of the federal government’s plan to stop sending paper checks next month. Some consumer advocates are still worried.

    By Sept. 4, 2025
  • deepfakes deepfake porn images state AGs online photos
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    Chip Somodevilla via Getty Images
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    AGs attack deepfake porn payments

    Apple, Visa and others must be “more aggressive” in banning payment authorization for nonconsensual content, state AGs told the companies.

    By Justin Bachman • Aug. 28, 2025
  • CFPB Russell Vought
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    Anna Moneymaker via Getty Images
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    CFPB proposes trimming nonbank purview

    A CFPB rule proposed Tuesday would restrict the bureau’s ability to supervise nonbanks. The agency said it aims to adopt a binding, standardized definition of “risks to consumers” that would make enforcement consistent.

    By Caitlin Mullen • Aug. 27, 2025
  • HUD BNPL buy now pay later lending mortgages housing consumer credit
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    Kent Nishimura via Getty Images
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    BNPL firms urge HUD to skip new rules

    Regulators need greater insight into the impacts of buy now, pay later lending, multiple groups said in their comments to U.S. housing officials.

    By Justin Bachman • Aug. 27, 2025
  • Walmart employee with two crates on a dolly outside of someone's home
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    Retrieved from Walmart.
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    EWA players seek federal oversight

    A trade group representing earned wage access providers backs introduction of a bill outlining federal oversight for the emerging industry.

    By Aug. 27, 2025
  • Russ Vought OMB Trump spending
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    CFPB mulls cutting int’l money transfer oversight

    The Consumer Financial Protection Bureau is reconsidering the definition of a large international money transfer firm, potentially reducing regulation.

    By Aug. 20, 2025
  • A worker prices items at a retail store on July 15, 2025, in New York City.
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    Spencer Platt via Getty Images
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    EarnIn draws adverse court ruling

    A federal judge ruled against the earned wage access company in a decision earlier this month, saying lending laws apply to its business.

    By Aug. 19, 2025
  • BNPL buy now pay later New York consumer lending
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    Anna Moneymaker via Getty Images
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    NY queries BNPL providers

    New York regulators said Monday that buy now, pay later companies can have extra time to furnish voluntary BNPL data ahead of new state rules.

    By Justin Bachman • Aug. 19, 2025