The Payments Association

FEBRUARY 14, 2025

With regulatory scrutiny at an all-time high, payments firms must keep pace with evolving regulations to avoid financial penalties and reputational risks. In 2025, three priorities stand out: safeguarding customer funds, expanding open banking, and preparing for stablecoin regulation.

Stablecoins 88

Stablecoins Payment APIs and Integration Regulatory Compliance Compliance 88

The Fintech Times

FEBRUARY 5, 2025

Transfeera , a PayRetailers company specialising in payment solutions for businesses, is enhancing its Pix payment capabilities to help betting operators in Brazil adapt to new sports betting regulations. The new rules mandate that payments be processed exclusively through bank accounts registered to individual bettors.

Compliance 59

Compliance Automation Rules Central Bank 59

Fintech Review

JANUARY 30, 2025

However, DORA actively encourages the exchange of information on threats to digital resilience between market participants and the regulator. DORA is primarily a system of safeguards the European regulator establishes for the payment business. This rule is relevant for almost all markets in the world, only in different manifestations.

Regulations 98

Regulations Risk Management Participant Cybersecurity 98

Finextra

NOVEMBER 12, 2024

UK financial regulators have confirmed new rules to bolster the resilience of technology and other third parties providing key services to financial firms.

Rules 124

Rules Regulations Technology 124

Finovate

APRIL 3, 2025

Plaid’s delayed IPO likely reflects US open banking uncertainty, as the CFPB finalizes its data access rule. ” Once regulations go into effect, banks will slowly begin in educate consumers on the benefits of open banking, and the concept of the value that Plaid brings will come to light.

Consumer Financial Protection Bureau (CFPB) 141

Consumer Financial Protection Bureau (CFPB) CFPB Rules Consumer 141

Fintech News

MARCH 4, 2025

The expansion comes as regulators tighten rules on fraud prevention and reimbursements. The EUs Instant Payments regulations, taking effect in January 2025, will require all payment service providers in the bloc to offer 24/7 instant payments.

Verification 111

Verification Risk Accounts Cross-Border Payments 111

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

The Payments Association

JANUARY 13, 2025

Firms must invest in compliance, adapt workflows, and advocate for fair regulations. While the interim rules codify existing expectations with some enhancements, the proposed end-state rules introduce substantial shifts that could reshape the operational landscape for firms operating in this sector. What’s next?

Compliance 88

Compliance Audit Legal Reconciliation 88

The Payments Association

JANUARY 22, 2025

CP24/20 outlined the proposed interim and end-state rules in September 2024, and interested parties will have provided their feedback accordingly. Unsurprisingly, this proposal aligns the loosely adopted Payments Services Regulations 2017 (PSRs) and E-Money Regulations 2011 (EMRs) regime with the CASS regime. Register here

Assessments 88

Assessments Reconciliation Audit Rules 88

Finextra

FEBRUARY 26, 2024

The European Council has adopted a regulation that will make instant payments fully available in euro to consumers and businesses in the EU and in EEA countries.

Instant Payments 136

Instant Payments Rules Payments Regulations 136

The Payments Association

MAY 16, 2025

A new approach to fighting fraud Regarding fraud prevention, simple rule-based systems arent enough anymore. Having this level of control also means businesses can respond quickly to new threats or shifts in the market, all while staying compliant with industry rules. Whats needed is a more dynamic, joined-up approach.

AI 88

AI Security Fraud Prevention Fraud Detection 88

Fintech News

FEBRUARY 27, 2024

2023 marked a pivotal year in the Asia-Pacific (APAC) region’s approach to crypto regulation, influenced significantly by the preceding implosion of Sam Bankman-Fried’s FTX exchange and the collapse of of Terra, the algorithmic stablecoin created by Korean entrepreneur Do Kwon. This transition is currently in progress.

APACS 132

APACS Regulations Stablecoins Cryptocurrency 132

Clearly Payments

OCTOBER 30, 2024

Overview of International Payment Processing At its core, international payment processing involves handling transactions across borders , where factors like currency conversion, payment method preferences, and local regulations come into play. As global online shopping grows rapidly, consumers expect seamless payment experiences.

International Payments 105

International Payments Process Multi-Currency Cross-Border 105

Payments Dive

JULY 29, 2024

In commenting on the proposal, the BNPL provider said consumers would be better served by rules specific to BNPL transactions, as opposed to credit card regulations.

BNPL 97

BNPL Rules Credit Cards Regulations 97

Fintech News

MAY 15, 2024

Thailand’s Securities and Exchange Commission (SEC) is calling for public input on proposed regulations concerning capital requirements for securities companies and derivatives business operators involved in digital asset services. Feedback from the previous hearing has been considered in the latest draft.

Rules 117

Rules Consulting Regulations Adjustments 117

The Fintech Times

JANUARY 11, 2025

Released in October 2024, the Personal Financial Data Rights rule requires financial institutions, credit card issuers, and other financial providers to unlock a consumer’s personal financial data and transfer it to another provider at their request for free.

CFPB 101

CFPB Consumer Financial Protection Bureau (CFPB) Card Issuer Rules 101

Payments Dive

APRIL 8, 2025

State regulators say they’re updating their rules and are best-suited to oversee licensed money transmitters — and a new U.S. payments charter isn’t needed.

Regulations 88

Regulations FinTech Rules Payments 88

The Payments Association

OCTOBER 30, 2024

Compliance in payment communications is essential for trust and security; AI-driven solutions and customised frameworks help businesses meet regional regulations, ensuring secure global operations. Ensuring that communications comply with global regulations is essential for protecting a business’s reputation and operations.

Regulations 100

Regulations Cross-Border Compliance Fraud Prevention 100

Fintech Finance

NOVEMBER 18, 2024

Public awareness of new regulations that require UK banks to reimburse victims of payment scams remains critically low, weeks after their enforcement. On 7 October, the Payment Systems Regulator mandated that all UK banks must repay customers who are proven to be victims of payment scams up to £85,000 per case.

Scams 91

Scams Rules Regulations Consulting 91

The Fintech Times

NOVEMBER 27, 2024

While the FCA still warns that consumers who invest in cryptoassets ‘should be prepared’ to lose all of their money, due to the continuing volatility and lack of regulation surrounding the industry, consumers appear undeterred. In fact, the FCA noted a rise in the average value of crypto held by people from £1,595 to £1,842.

Regulations 112

Regulations Stablecoins Risk Consulting 112

Fintech News

SEPTEMBER 4, 2024

The updated regulations broaden the scope of services digital asset businesses can provide without being considered a means of payment and include new types of operators like digital asset custodial wallet providers. These changes follow a public hearing held in July, where the SEC gathered feedback on the proposed amendments.

Bots 112

Bots Rules Participant Issuers 112

The Payments Association

MAY 16, 2025

Merchant-facing regulation: What merchants need to know in 2025 15 May 2025 by Payments Intelligence LinkedIn Email X WhatsApp What is this article about? Each section includes an overview of the regulation, the legal and operational risks involved, and the practical actions required to support readiness and ongoing compliance.

Regulations 88

Regulations ISO 20022 Cross-Border Legal 88

The Payments Association

MAY 3, 2025

It highlights how innovation, regulation, AI, and risk management are shaping the future of payments and impacting business models. Firms must build resilience, align with evolving regulations, and invest in practical innovation to stay competitive in a volatile landscape. Why is it important? I hope PSD3 will correct this.

Payment APIs and Integration 88

Payment APIs and Integration Cross-Border Embedded Finance Payments 88

Fintech Finance

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.

Consumer Financial Protection Bureau (CFPB) 98

Consumer Financial Protection Bureau (CFPB) CFPB Rules BNPL 98

The Payments Association

OCTOBER 22, 2024

New UK regulations requiring payment firms to refund fraud victims up to £85,000 within five days Why is it important? As of October 7, all UK payment firms making use of the faster payment system (FPS) are required to refund fraud victims up to £85,000 within five days under new rules set by the Payment Systems Regulator (PSR).

Rules 88

Rules Fraud Prevention Caps Deepfake 88

The Payments Association

JANUARY 16, 2025

Clear Junction , a global leader in cross-border payments for regulated financial institutions, has revealed a significant gap in the preparedness of payment industry leaders to navigate the complexities of the Markets in Crypto-Assets Regulation (MiCA) regulation, which is now in effect across the EU.

Compliance 88

Compliance Cross-Border Payments Cross-Border Stablecoins 88

Fintech News

APRIL 3, 2025

What started as a consumer-friendly alternative to traditional credit is becoming a more concrete financing solution in the digital payments ecosystem, particularly in emerging markets like BNPL regulation in Asia. Regulators are stepping in to impose stricter consumer protection measures, aiming to curb overspending and prevent debt traps.

BNPL 113

BNPL Regulations Accreditation Consumer Protection 113

Fintech Finance

JANUARY 21, 2025

The EPC VOP scheme relies on exchanging VOP messages between payer and payee PSPs in accordance with the rules set out in the VOP rulebook and implemented on the basis of application programming interfaces (APIs) designed by the EPC. The post EPC Selects Swift for the EPC Directory Service appeared first on FF News | Fintech Finance.

SWIFT 98

SWIFT Payee IBAN RFP 98

Fintech News

FEBRUARY 10, 2025

Unlike traditional AI, which follows predefined rules or requires human oversight, Agentic AI dynamically adapts to changing environments, makes complex decisions, and executes tasks without direct intervention. These systems continuously learn from interactions, optimise their performance, and proactively solve problems in various domains.

AI 83

AI FinTech Fraud Detection Fraud Prevention 83

Fintech News

APRIL 2, 2024

The Monetary Authority of Singapore (MAS) has announced revisions to the Payment Services Act (PS Act) and related regulations, marking a significant expansion in the regulation of payment services within the country. The post MAS Bolsters Crypto Payment Rules, Here’s What You Need to Know appeared first on Fintech Singapore.

Rules 117

Rules Accreditation Money Laundering Caps 117

Fintech Finance

NOVEMBER 21, 2024

“New regulations such as the FCA’s Consumer Duty, and the upcoming Buy-now, Pay-later rules, have made it clear to firms that they need to do more to understand their customers financial situation, not just at application, but throughout the term of their loan.”

Credit Cards 95

Credit Cards Assessments On-Demand Rules 95

The Payments Association

OCTOBER 23, 2024

On 25 September 2024, the UK Financial Conduct Authority (FCA) published its long-awaited Consultation Paper (CP24/20) setting out proposed changes to the safeguarding rules applicable to electronic money institutions (EMIs) and payment institutions (PIs) (together, payments firms). See our previous Sidley Update on that review.

Rules 88

Rules Payments Institute Authorization Reconciliation 88

Fintech Finance

DECEMBER 16, 2024

Preventing Authorised Push Payment (APP) scams is one of the Payment Systems Regulators (PSR) top priorities. In October 2024, the PSR introduced new reimbursement rules, ensuring a world-leading level of protection for UK consumers. APP scams happen when victims are tricked into sending money to fraudsters posing as legitimate payees.

Scams 98

Scams Romance Scams Consumer Payee 98

The Payments Association

SEPTEMBER 27, 2024

A long time in the making, the Financial Conduct Authority has finally opened a consultation on new safeguarding rules for payments and e-money firms. Read more

Rules 88

Rules Consulting Payments Authorization 88

Fintech Finance

OCTOBER 7, 2024

The new rules from the Payment Systems Regulator (PSR) make it a mandatory requirement for banks to cover consumers’ losses from APP fraud up to £85,000, as long as they haven’t been “grossly negligent”. But it has left banks to decide if they will apply an “excess” of up to £100 of any fraud claim. billion in the UK.

Rules 94

Rules Research Finance Accounts 94

The Payments Association

MAY 16, 2025

Currency conversion, fluctuating exchange rates, varying local regulations, and regional preferences for payment methods add layers of complexity. Cross-border payment solutions : Cross-border commerce represents a significant growth opportunity but introduces substantial challenges.

Transactions 88

Transactions PCI DSS Payments Settlement 88

The Payments Association

DECEMBER 18, 2024

As the UK payments industry begins implementing the National Payments Vision (NPV), the role of regulators in fostering innovation is increasingly pivotal. Regulators do not generally drive innovationbusinesses do, he explains. Moore points to the implementation of APP (authorised push payment) scam rules as an example.

Innovation 88

Innovation Financial Crimes Payments Regulations 88