The CEA studied the wrong question on stablecoin ‘yield’ and community banks
The CEA paper minimizes the core risk by starting from the wrong question. There is already ample evidence and analysis ...
Tag: Payments system
FDIC rescinds guidance on representment NSF fees
The FDIC rescinded a 2023 financial institution letter that had stated that banks’ charging representment nonsufficient funds fees may be ...
Fed proposes opening FedNow to cross-border payments
The Federal Reserve proposed a new rule to let banks and credit unions use intermediaries to send transfers through the ...
Proposed rule would give states ‘wide latitude’ to set stablecoin regulation
The Treasury Department proposed a new rule to establish what factors it will consider when stablecoin issuers request to be ...
FDIC releases 2025 figures for consumer protection violations
The FDIC cited 1,155 violations of consumer protection statutes and regulations in 2025, representing a decline from the year before, ...
FTC issues ‘debanking’ warnings to payment companies
The Federal Trade Commission sent letters to four payment service providers to warn them from engaging in alleged “debanking” activities.
National bank preemption and the integrity of the U.S. payments system
At stake is more than a single fee. It is the continued integrity of a national banking system that supports ...
Bowman: Kraken master account approval was ‘pilot’ for nonbank access to Fed system
The decision of the Kansas City Fed to approve a limited master account for crypto firm Kraken was designed as ...
ABA: Fed decision grants crypto firm payment account creates risks for consumers
Kraken Financial has been granted a one-year, limited-purpose master account by the Kansas City Fed, the first crypto firm to ...
The digital asset landscape
How banks of all sizes are planning for the future of stablecoins, tokenized deposits and other digital assets.
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