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2025 Industry Outlook and New Regulatory Shifts: How IPA is Shaping the Future of Payments

Innovative Payments Association

The recent Republican sweep of the White House and Congress has sparked debates about deregulation and reshaping financial oversight. Yet inconsistent regulatory approaches have stifled the full potential of financial technology (fintech) products such as earned wage access, mobile wallets, and fintech debit accounts.

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Federal Agencies Ask Lenders To Offer Small Loans To Ease Coronavirus Impact

PYMNTS

Five federal financial regulatory agencies are encouraging banks, savings associations and credit unions to offer small loans to consumers and small businesses in response to the coronavirus pandemic.

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Responsible Innovation Requires Each Side to Participate

Innovative Payments Association

I am not here to criticize the seemingly more aggressive approach the Consumer Financial Protection Bureau (CFPB) has taken during the last year, nor will I use this opportunity to question the substance of the myriad proposals the CFPB has released during the past six months.

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Could Trump’s comeback be the regulatory reset the EWA industry has been waiting for?

Tearsheet

The landscape and ongoing tug: As new payment models like Buy Now, Pay Later (BNPL) and EWA took off in recent years, the Consumer Financial Protection Bureau (CFPB) has been watching how they affect consumers. 7428 in 2024, which classifies EWA as a non-credit product with consumer protections.

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Is US Financial Regulatory Reform Dead or Ready for Take Off?

FICO

These include eliminating the proprietary trading restrictions of the ‘Volcker’ Rule, major changes to the Financial Stability Oversight Council and the diminished authority and independence of the Consumer Financial Protection Bureau (CFPB). And now there is even more on Congress’s plate.