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Curated industry news and original merchant playbooks.
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Leaked EU Proposal Plans Regulatory Relief for Banks
A leaked EU proposal aims to cut red tape for cross-border banking, potentially simplifying financing for multi-national retailers.
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House Bill Would Give Banks Time to Investigate Suspicious Checks
New federal bill seeks to curb payment fraud by allowing banks to place longer holds on suspicious checks and wire transfers.
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Reform leader Farage urges BofE to drop Britcoin plans
Increased political pushback against the 'Britcoin' digital pound could stall the future of state-backed UK digital payment systems.
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Banking Groups Push to Reduce Basel Proposal Capital Charges
Banking groups warn that new capital rules could restrict consumer credit, potentially making it harder for your customers to finance large purchases.
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FDIC floats counting discount window borrowing toward liquidity
New FDIC proposals could stabilize the credit market by allowing lenders to use Fed borrowing to meet regulatory cash requirements.
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Treasury, agencies propose KYC rule for stablecoin issuers
New federal proposal clarifies identity rules for stablecoin issuers, lowering compliance hurdles for future digital payment adoption.
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Banks have 'commitment' issues with the new Basel proposal
New banking regulations may hike costs for merchant credit lines by changing how banks calculate risk on undrawn loans.
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What early mortgage feedback has been like for Basel
Proposed Basel III capital rules could tighten consumer credit markets by increasing costs for the non-bank lenders that retailers rely on.
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CFPB, Fincen guidance casts a pall over ITIN lending
New federal guidance on ITIN verification could lead to tighter credit boxes and lower approval rates for non-SSN consumer applicants.
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'We have a task force for that': Welcome to the Fed's Warsh era
Chairman Warsh's new Fed strategy ends predictable rate guidance, signaling a more volatile but potentially less regulated climate for consumer lenders.
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Industry and consumer groups pan Illinois' potential BNPL law
Illinois is set to become the second state to regulate BNPL, forcing lenders and retailers to brace for stricter disclosure and compliance rules.
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Banks can share fraud data in real time, FinCEN says
New FinCEN guidance makes it easier for lenders to share real-time fraud data, helping protect merchants from application scams.
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Lawmakers Push FinCEN to Focus on Serious Financial Crime
Lawmakers urge FinCEN to cut regulatory red tape, potentially streamlining the point-of-sale credit application process for retailers.
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CFTC Seeks Industry Input to Unlock FinTech Innovation
New federal effort aims to slash red tape, making it easier for fintech lenders to partner with banks and launch new financing tools.
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EBAday 2026: Regulation and consumer experience are driving Europe’s future of payments
New European regulations are set to streamline instant payments and tighten oversight on embedded retail financing strategies.
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Proposed CAMELS changes would ignore time-tested warning signs
Proposed shifts in bank health ratings could lead to less stable lending partners and sudden shifts in consumer credit availability.
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Asic introduces checks for imposter websites
New ASIC verification tools help merchants confirm the legitimacy of financial partners and avoid imposter fintech scams.
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Bipartisan, bicameral housing deal emerges with bank riders
New bipartisan housing legislation aims to cut red tape for community banks, potentially expansion consumer credit options for home projects.
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Four things to watch in Kevin Warsh's Fed debut
New Fed Chair Kevin Warsh could signal a shift toward deregulation, potentially easing the path for consumer credit approvals and lender expansion.
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Banking Sector Unhappy With EU Updates to Capital Regulations
European regulators keep tight capital rules in place, signaling a sustained period of cautious lending and strict credit standards for consumers.
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Banks, fintechs sue Oregon over interest rate opt-out law
Banks and fintechs are fighting an Oregon law that could restrict consumer credit access by capping interest rates for out-of-state lenders.
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FDIC should rotate bank examiners to prevent 'capture': GAO
The GAO is calling for stricter oversight of bank examiners, a move that could shift credit availability for consumer financing partners.
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Fed’s Barr Warns Bank Deregulation Threatens Financial Stability
The Federal Reserve's warning on bank oversight suggests a looming period of volatility for consumer credit availability and lender stability.
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Banks fight to scrap an SEC cyberattack rule
Banking groups lobby to roll back strict SEC breach-reporting rules, favoring private government alerts over public disclosures.
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Serial Litigants May Target Websites and “Trackers” As Alternative to TCPA
New 'wiretapping' lawsuits are targeting website tracking tools, turning inbound marketing into a legal minefield for merchant operators.
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Senators press Trump to fill vacant FDIC, SEC board seats
New appointments at federal financial regulators could signal a shift toward more streamlined and predictable rules for consumer lending.
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FTA sues to block Tennessee law
Fintech leaders fight a Tennessee law that could hike costs for BNPL providers and the retailers who use them.
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Trump nominates CFPB’s former No. 2 as director
The nomination of Brian Johnson signals a shift toward a more business-friendly CFPB with less red tape for consumer lenders.
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4 reasons the Visa-Mastercard pact survived
A federal judge's approval of the Visa-Mastercard settlement gives retailers new power to influence how customers pay at the register.
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Court approves Visa-Mastercard settlement
Federal judge greenlights Visa-Mastercard settlement, lowering swipe fees and giving merchants more power to surcharge high-cost credit cards.
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CFPB Signals Renewed Push on BNPL Disclosure Rules
New guidance treats short-term installment loans like credit cards for dispute and refund handling.
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The CFPB Works To Ensure Bilt Consumers Are Made Whole
The CFPB is cracking down on Bilt after a bank partnership transition caused widespread payment and account errors for consumers.
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Estimating the Cost of the Consumer Financial Protection Bureau to Consumers
The CFPB signals a more aggressive stance on fee reduction, prioritizing consumer savings over lender operational costs.
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Consumer Financial Protection Bureau and the Department of Justice Withdraw Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers
The CFPB withdraws guidance on noncitizen lending, potentially changing how your finance partners approve non-permanent resident applicants.
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Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans
Federal agencies raise the appraisal exemption threshold for small higher-priced mortgage loans to $34,200 for 2025.
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Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions
New 2025 federal thresholds set the limit for consumer credit and lease protections at $71,100, impacting disclosure rules for high-ticket merchants.
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CFPB’s Supervision Division Releases New 'Humility Pledge'
The CFPB signals a shift away from aggressive oversight, potentially easing compliance burdens for consumer lenders and merchant partners.
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CFPB Notifies Court it Cannot Lawfully Draw Funds from the Federal Reserve
A legal ruling on the CFPB’s funding source could disrupt federal oversight of consumer lending and BNPL markets.
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CFPB Reaches Settlement with FirstCash, Inc. and Its Subsidiaries for Military Lending Act Violations
CFPB settlement with FirstCash highlights the high cost of Military Lending Act compliance failures for high-interest consumer credit providers.
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CFPB Announcement Regarding Enforcement Actions Related to Buy Now, Pay Later Loans
The CFPB grants BNPL lenders a temporary compliance grace period to align digital payment apps with federal credit card regulations.
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CFPB Keeps Its Enforcement and Supervision Resources Focused on Pressing Threats to Consumers
CFPB pauses enforcement on small business data rules for firms outside the Texas court stay, offering a temporary reprieve for credit providers.
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CFPB Offers Regulatory Relief From Registration Requirements for Small Loan Providers
The CFPB is pausing enforcement of a new registration rule for smaller nonbank lenders, providing temporary administrative relief.
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CFPB Offers Regulatory Relief for Small Loan Providers
The CFPB signals a shift toward military protection while reducing the regulatory burden on small-ticket consumer loan providers.
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CFPB Seeks to Vacate Abusive, Unjust Case Against Townstone
CFPB drops a major redlining case after a court rules federal lending laws only protect active applicants, not prospective ones.
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Statement on Designation of Treasury Secretary Scott Bessent as Acting Director of the Consumer Financial Protection Bureau
A leadership shift at the CFPB signals a new era of lighter regulation and predictable oversight for consumer lenders and retail partners.