The Payments Association

DECEMBER 11, 2024

It highlights the need for a strategic, proportionate approach to safeguarding that aligns with broader regulatory and consumer protection goals. The government invited the FCA to consult on the safeguarding regime in 2023. Why is it important? What’s next?

Treasury 88

Treasury Payments Consulting Consumer Protection 88

EBizCharge

JUNE 27, 2025

This guide will walk you through the basics of credit card surcharging in Canada, from legal background and card network rules to disclosure requirements and best practices. In Canada, the answer is yes—but with some rules and responsibilities attached. That’s where surcharging comes in. Can I surcharge in Canada?

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

EBizCharge

JUNE 25, 2025

Between card network rules, signage requirements, and state regulations, there’s a lot to keep track of. This article walks you through what credit card surcharge compliance really means and provides a practical checklist to help your business stay on the right side of the rules. Here are three important rules to be aware of: 1.

Compliance 52

Compliance Credit Cards Card Network Rules Rules 52

The Payments Association

JANUARY 16, 2025

As the EUs most extensive effort to regulate the crypto market, MiCA seeks to address longstanding issues such as regulatory fragmentation, consumer protection, and market stability. The regulation introduces strict requirements for stablecoin issuers, including robust reserve backing, transparency, and governance.

Compliance 88

Compliance Cross-Border Payments Cross-Border Stablecoins 88

The Payments Association

MAY 3, 2025

She also referenced a broader issue of regulatory inertia: The previous government had plans to revoke the Payment Services Regulations and embed them into FCA rules. For scale-ups like us, weve built regulatory muscle over the yearsour teams understand governance, conduct rules, and operational resilience.

Payment APIs and Integration 88

Payment APIs and Integration Cross-Border Embedded Finance Payments 88

Finextra

JUNE 17, 2025

The payments processor was accused of abusing the credit-card system and enabling deceptive foreign operators to access it, costing consumers millions of dollars. The settlement comes shortly after the Consumer Financial Protection Bureau withdrew from the civil case amid its ongoing pullback from enforcement activity.

FTC 64

FTC Scams Federal Trade Commission Privacy 64

The Payments Association

MARCH 18, 2025

But these opportunities are accompanied by mounting risks around data governance, security, and regulatory fragmentation. For payments firms, this opens doors to alternative credit scoring, smarter risk assessment, and deeper customer engagementbut also significant challenges around governance and trust. reached $1.1

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

The Payments Association

JUNE 16, 2025

Policymakers must resolve governance questions while the industry prepares for potential integration and standard-setting. The difficulties lie in the assumption that, however secure they may be, one cannot rule out a breach of secure elements in the future. What’s next? The longer the delay, the greater the monitoring burden.

Settlement 88

Settlement CBDC Payment APIs and Integration Privacy 88

The Payments Association

MARCH 17, 2025

How the FCA can define and balance acceptable risk in UK payments regulation to support innovation while ensuring financial stability and consumer protection. Many of the current rules were designed for an earlier generation of financial services and do not reflect the complexity or speed of todays payments ecosystem.

Regulations 88

Regulations Risk Stablecoins Payments 88

EBizCharge

JULY 7, 2025

Not understanding those rules can lead to compliance issues and overall confusion. State rules vary. A surcharge feels like a tax because it’s an extra fee tacked onto the total, but it’s not a government-imposed tax. State-Level Tax Variations and Compliance Tips Not every state has the same rules for credit card surcharges.

Credit Cards 52

Credit Cards Laws Rules Legal 52

EBizCharge

JUNE 19, 2025

The rules behind it come from a mix of card network policies, federal law, and state regulations. So, it’s important to understand these rules and regulations in their entirety. If you run a business – or are someone who pays attention to the line items on your receipts – it helps to know how surcharging rules work.

Debit Card 52

Debit Card Legal Card Network Rules Credit Cards 52

Innovative Payments Association

JANUARY 14, 2025

History shows that even in a politically aligned government, regulatory shifts are rarely straightforward or absolute. While deregulatory measures such as revisiting the Open Banking Rule may gain momentum, their implementation faces procedural and legal challenges. However, industry leaders must temper their expectations.

Consumer Financial Protection Bureau (CFPB) 52

Consumer Financial Protection Bureau (CFPB) CFPB FDIC Consumer Protection 52

Fintech Review

APRIL 11, 2025

Policymakers face the challenge of encouraging innovation while safeguarding consumers and preserving financial stability. Consumer protection is a top priority. Digital lenders, neobanks, and payment firms must comply with capital requirements, operational standards, and governance rules.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cross-Border 52

Finextra

JUNE 23, 2025

It classifies payment stablecoin issuers as regulated financial institutions, pulling them firmly under anti-money laundering and consumer protection rules. However – in a nod to preserving trust – the Act also forbids issuers from marketing these tokens in any way that implies government backing. Now that U.S.

Embedded Finance 52

Embedded Finance Stablecoins Finance Payment APIs and Integration 52

Finextra

JUNE 23, 2025

The emotional connection consumers feel to BNPL, stemming from its ability to provide informed choice and accountability, is also a key factor in its enduring appeal. However, the inherent lending essence of BNPL, despite its "payment method" perception, necessitates a strong focus on consumer protection.

BNPL 52

BNPL Regulations AI Authorization 52

Fintech Finance

JULY 15, 2025

Riccardo Tordera Ricchi , Director of Policy & Government Relations at The Payments Association , said: “Account-to-account payments are clearly on the radar of UK businesses, but our research shows there’s a significant gap between awareness and understanding. “A2A Boost consumer education and engagement.

Payment APIs and Integration 52

Payment APIs and Integration On-Demand Settlement Small Business 52

The Fintech Times

JULY 16, 2025

In fact, this lack of understanding led to respondents equally citing that fraud concerns, a lack of consumer demand and technical complexity are top barriers to adoption. As a result, frameworks for consumer protection and standardisation in payments are still evolving. Boost consumer education and engagement.

Payment APIs and Integration 45

Payment APIs and Integration On-Demand Settlement Disputes 45

The Payments Association

JULY 18, 2025

Viewing these initiatives as a whole presents a clear regulatory trajectory: accelerated timelines, harmonised standards, and enhanced scrutiny across governance, conduct, and technology infrastructure. Separately, the introduction of rules under the UK Stablecoin and Cryptoasset Regime aims to enhance transparency.

Regulations 88

Regulations Payments Payment APIs and Integration Legal 88

Finovate

JANUARY 24, 2025

The regulatory landscape for fintechs and financial services companies operating in the European Union is expected to undergo significant changes this year, with new standards, guidelines, and rules governing payments, data privacy, digital assets, and more. The EU AI Act passed in 2024.

Regulations 72

Regulations FinTech BNPL Cross-Border 72

Payments Dive

JULY 7, 2025

The Louisiana legislators see their new law as an advantage for workers, but “they don’t put all the protection in there to make sure it’s an advantage,” FlexWage’s vice president of compliance, Carl Morris, said in an interview. Morris and FlexWage have argued for more robust consumer protections for EWA users.

Laws 78

Laws FedNow Privacy Federal Reserve 78

The Fintech Times

JUNE 25, 2025

A majority of crypto users believe fraud levels in the sector are unacceptably high, with strong support for tighter regulation and consumer protections, according to a new report by CoinCover. They need to protect consumers and financial infrastructure while also ensuring the country remains competitive as a market for innovation.

Consumer Protection 49

Consumer Protection Regulations Cross-Border Best Practices 49

Open Banking Excellence

OCTOBER 6, 2023

Your guide to the Consumer Financial Protection Bureau's (CFPB) imminent proposals for a new regulatory framework governing “Personal Financial Data Rights” The US will propose a new “Open Banking Rule” this year which will set the foundations for an ecosystem with the potential to become the largest in the world.

Consumer Financial Protection Bureau (CFPB) 130

Consumer Financial Protection Bureau (CFPB) Rules CFPB Finance 130

Fintech Finance

SEPTEMBER 4, 2024

Open industry model, fostering collaboration Visa A2A will be based on an open system available for all eligible banks and other industry partners to join, and introduces standards, rules and a dispute management service to help protect consumers and further modernise open banking-based payments.

Consumer Protection 96

Consumer Protection Consumer Payments Disputes 96

PYMNTS

MARCH 20, 2020

The regulator will have the authority to request information from tech firms and also enforce other Indian laws aimed at consumer protection and fair competition, the sources said. The sources also told Reuters that social media companies that capitalize on advertising and user data could also be impacted by the new rules. .

Rules 73

Rules Law Enforcement Laws Regulations 73

Neopay

NOVEMBER 25, 2024

These changes aim to address persistent issues in safeguarding practices and enhance consumer protection. Why safeguarding matters Safeguarding ensures that funds received by payment and e-money firms are protected. Enhanced rules for safeguarding through insurance or comparable guarantees. What’s next?

Consumer Protection 52

Consumer Protection Consumer Audit Due Diligence 52

Fintech News

JANUARY 7, 2025

Singapore’s government has clarified that the Shared Responsibility Framework will not apply to credit card fraud cases, citing existing robust protections for consumers. Push notifications, he noted, cannot be phished, unlike SMS OTPs, further enhancing consumer protection. million each year.

Credit Cards 107

Credit Cards Push-to-Card Card Issuer Authentication 107

PYMNTS

OCTOBER 5, 2016

As one might expect of a financial product that has so rapidly become so widely popular, the prepaid card industry managed to catch the attention of the Consumer Finance Protection Bureau, which has been considering new regulations for some time that would create “strong federal consumer protections for prepaid account users.”

CFPB 75

CFPB Rules PayPal Debit Card 75

Fintech News

FEBRUARY 27, 2024

These negative developments likely influenced governments across the globe, because the following 12 months saw an extraordinary boom in crypto policy regulation in APAC countries. Japan Japan, as a forerunner in the adoption of customised cryptocurrency regulations, rolled out both the Travel Rule and stablecoin regulations in June 2023.

APACS 132

APACS Regulations Stablecoins Cryptocurrency 132

PYMNTS

APRIL 25, 2019

The Consumer Financial Protection Bureau (CFPB) announced Thursday (April 25) that it has issued a request for information on its remittance rule, which had faced calls by the Credit Union National Association for revision. The rules excluded a provider that does less than 100 transfers.

CFPB 59

CFPB Rules Consumer Financial Protection Bureau (CFPB) Request for Information 59

The Payments Association

OCTOBER 21, 2024

The rule changes provide stronger consumer protection but also raise concerns about industry costs and potential fraud exploitation. Years in the making, the rule changes replace the voluntary system of reimbursement operated by the signatories of the Contingent Reimbursement Model Code. Why is it important?

Scams 88

Scams Law Enforcement Crime Fraud Prevention 88

Fintech News

APRIL 3, 2025

Regulators are stepping in to impose stricter consumer protection measures, aiming to curb overspending and prevent debt traps. Consumer protection measures in the Code, like suspending users from making more BNPL purchases if they miss payments, help reduce the risk of excessive debt. trillion rupiah (US$ 1.8

BNPL 113

BNPL Regulations Accreditation Consumer Protection 113

The Fintech Times

NOVEMBER 27, 2024

.” Industry collaboration Bivu Das , UK general manager at Kraken It seems the industry wants the same, as Bivu Das , UK general manager at crypto exchange Kraken expresses support of the new roadmap: “The recent announcements by the government laid out a forward-thinking vision to enable cryptoassets to thrive in the UK long term. “By

Regulations 112

Regulations Stablecoins Risk Consulting 112

The Payments Association

OCTOBER 14, 2024

PSPs will need to adapt their fraud prevention strategies and comply with the new reimbursement rules starting in October 2024. Riccardo Tordera, director of policy and government relations at The Payments Association, celebrates the regulator’s decision. What’s next?

Caps 88

Caps Fraud Prevention Fraud Detection Scams 88

Fintech Finance

SEPTEMBER 20, 2024

It is also, crucially for the first time, exploring the new rules through the eyes of the criminal and how easily they will exploit them for their own ill-gotten gains. ‘ This is not enough to ensure robust consumer protection.

Financial Crimes 98

Financial Crimes Crime Rules Payments 98

The Fintech Times

JULY 15, 2024

The new proposed interpretive rule would ensure that nonbank financial companies adhere to the same credit card lending rules as large banks, credit unions, and other financial institutions already supervised by the CFPB. In a letter , it applauded the CFPB for its 2022 report on BNPL and its continued engagement with industry leaders.

BNPL 64

BNPL Consumer Financial Protection Bureau (CFPB) CFPB Request for Comment 64

PYMNTS

MARCH 31, 2019

Facebook CEO Mark Zuckerberg wrote an opinion piece in The Washington Post calling on regulators to take a “more active role” in making rules for how to police the internet, according to reports. “By At Google, he pointed to its role in online ads as an antitrust and consumer protection concern. In other Facebook news , the U.S.

Regulations 60

Regulations Federal Trade Commission FTC Rules 60

The Fintech Times

AUGUST 14, 2024

Phil Goldfeder , CEO of the American Fintech Council “AI has the potential to drive a profound shift in the financial services landscape towards personalised services that better meet consumers’ unique needs – particularly those of underserved communities,” explained Phil Goldfeder , CEO of AFC. “A

Treasury 69

Treasury AI Innovation FinTech 69