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This Week’s Regulatory Replay | April 4, 2025

IMPORTANT: To have this episode delivered toyou daily, and to be on the waitlist for our new app, please sign up HERE: ⁠⁠⁠https://your-inbox.beehiiv.com/subscribe⁠⁠ [https://your-inbox.beehiiv.com/subscribe] Toget links for all stories included in our daily episodes, please subscribe forfree: https://your-inbox.beehiiv.com/subscribe Forexclusive content like Press Availabilities, Job Opportunities, A no-saleenvironment, help from colleagues, events, and more, become an executivemember: https://your-inbox.beehiiv.com/upgrade Repurposeour white label our content with a Creators' Membership:https://your-inbox.beehiiv.com/upgrade     Links to the news sources from today's episode: #FintechNews #Stablecoins #DigitalPayments #CFPB#EmbeddedLending NBC News | Federal government is phasing out paperchecks. Here's who will be affected | Link [https://www.nbcnews.com/business/personal-finance/federal-government-phasing-paper-checks-will-affected-rcna199166] Banking Dive | FDIC eases crypto custody rules forbanks | Link [https://www.bankingdive.com/news/fdic-eases-crypto-rules-banks/744113/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-04-02%20Banking%20Dive:%20Fintech%20%5Bissue:71684%5D&utm_term=Banking%20Dive:%20Fintech] Mondaq | Congress Considering Securities OfferingReform To Encourage Capital Formation | Link [https://www.mondaq.com/unitedstates/securities/1605202/congress-considering-securities-offering-reform-to-encourage-capital-formation?email_access=on] Mondaq | CFPB Is Proceeding With Some Of ItsEnforcement Actions, But Most Are Now Stayed Or Dismissed | Link [https://www.mondaq.com/unitedstates/financial-services/1606376/cfpb-is-proceeding-with-some-of-its-enforcement-actions-but-most-are-now-stayed-or-dismissed?email_access=on] Banking Dive | CFPB, DOJ appeal injunction that'strimmed bureau’s workforce from 1,700 to 1,000 | Link [https://www.bankingdive.com/news/cfpb-doj-appeal-injunction-berman-jackson-1000-workforce-1700/744383/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-04-03%20Banking%20Dive%20%5Bissue:71900%5D&utm_term=Banking%20Dive] Bloomberg Law | CFPB Cuts Spur California Senate Voteto Boost State Regulator | Link [https://news.bloomberglaw.com/banking-law/cfpb-cuts-spur-california-senate-vote-to-boost-state-regulator?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue%3A%202025-04-03%20Banking%20Dive%20%5Bissue%3A71900%5D&utm_term=Banking%20Dive] Reuters | U.S. SEC restructures enforcement division,memo says | Link [https://www.reuters.com/world/us/us-securities-exchange-commission-restructures-enforcement-division-memo-says-2025-04-02/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-04-03%20Banking%20Dive%20%5Bissue:71900%5D&utm_term=Banking%20Dive] Banking Dive | OCC rescinds climate risk guidance forlarge banks | Link [https://www.bankingdive.com/news/OCC-ends-climate-risk-guidance-large-banks-hood/744175/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-04-02%20Banking%20Dive%20%5Bissue:71851%5D&utm_term=Banking%20Dive] Banking Exchange | The future of UDAAP? Look to thestates | Link [https://www.bankingexchange.com/news-feed/item/10278-the-future-of-udaap-look-to-the-states?Itemid=256]

Crypto, Cards & Klarna | Fintech Headlines Tariff-a-Palooza Day | April 2, 2025

#FintechNews #DigitalPayments #CryptoAdoption #BNPL #Revolut #KlarnaIPO #VirtualCards #Web3 #RegTech #DeFi #CFPB #ACH #Stablecoins #Zelle #BankingInnovation #FinancialCrime #ClimateRisk #Wirex #AIinBanking Fintech Blueprint | The Paypers | Tearsheet | Nacha | Finextra | Payments Dive | Wall Street Journal | The Information | Scientific American | UKTN | Biometric Update IMPORTANT: To get links for all stories included in our daily episodes, please subscribe for free: https://your-inbox.beehiiv.com/subscribe For exclusive content like Press Availabilities, Job Opportunities, A no-sale environment, help from colleagues, events, and more, become an executive member: https://your-inbox.beehiiv.com/upgrade Repurpose our white label our content with a Creators' Membership: https://your-inbox.beehiiv.com/upgrade Links from Today's Episode: Fintech Blueprint | Fintech Klarna IPO primer: Will it deliver? | Link The Paypers | Circle plans IPO, targeting late April filing | Link The Paypers | Mastercard launches initiative to boost virtual card adoption | Link Tearsheet | The story of Erica, Bank of America’s homegrown digital assistant | Link Nacha | Nacha seeks comments on proposals to update IAT rules | Link Finextra | Zelle shuts down standalone P2P payments app | Link Finextra | Fraudsters turning to encrypted messaging platforms to scam users, Revolut warns | Link Finextra | Wearable UK tipping app launches | Link Payments Dive | House plans vote to kill CFPB payments rule | Link Payments Dive | Clearing House sees increase in ACH payments volume: Nacha | Link Wall Street Journal | Affirm’s buy-now-pay-later to appear on credit reports | Link The Paypers | Mastercard launches initiative to boost virtual card adoption | Link The Information | Trump’s stablecoin push set to collide with banks | Link Scientific American | Big banks quietly prepare for catastrophic climate change | Link UKTN | Revolut hires crypto marketing team after launch of mobile trading app | Link The Paypers | Wirex introduces travel booking platform for crypto payments and rewards | Link Biometric Update | Demand for biometric authentication rises among gambling platforms | Link Lex Substack | The Paypers | Tearsheet | Nacha | Finextra | Payments Dive | Wall Street Journal | The Information | Scientific American | UKTN | Biometric Update

April 1 | Banks Dive into Crypto & Open Source, UAE Preps Digital Dirham, CFPB Faces Court Setback

#CryptoNews #OpenBanking #Stablecoins #DigitalCurrency#CFPB IMPORTANT: To have this episode delivered toyou daily, and to be on the waitlist for our new app, please sign up HERE: ⁠⁠⁠https://your-inbox.beehiiv.com/subscribe⁠⁠ [https://your-inbox.beehiiv.com/subscribe] Toget links for all stories included in our daily episodes, please subscribe forfree: https://your-inbox.beehiiv.com/subscribe Forexclusive content like Press Availabilities, Job Opportunities, A no-saleenvironment, help from colleagues, events, and more, become an executivemember: https://your-inbox.beehiiv.com/upgrade Repurposeour white label our content with a Creators' Membership:https://your-inbox.beehiiv.com/upgrade ·  Finextra | FDIC says banksdon't need prior approval for crypto activities | Live Link [https://www.finextra.com/newsarticle/45744/fdic-says-banks-dont-need-prior-approval-for-crypto-activities?utm_medium=dailynewsletter&utm_source=2025-4-1&member=165897] ·  Banking Dive | CFPB callsmass firing, rehiring injunction a 'charade' | Live Link [https://www.bankingdive.com/news/cfpb-preliminary-injunction-martinez-paoletta-vought-charade-mass-firing-data-reinstate-employees/743936/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-03-31%20Banking%20Dive%20%5Bissue:71767%5D&utm_term=Banking%20Dive] ·  Banking Dive | Banks wantbetter tech, but open-source uptake lags | Live Link [https://www.bankingdive.com/news/bank-technology-open-source-finos-morgan-stanley-jpmorgan-citi/743937/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-03-31%20Banking%20Dive%20%5Bissue:71767%5D&utm_term=Banking%20Dive] ·  Law360 | Fed, CFPB urge7th Circ. to uphold payday lending rules | Live Link [https://www.law360.com/banking/articles/2317391?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue:%202025-03-31%20Banking%20Dive%20%5Bissue:71767%5D&utm_term=Banking%20Dive] ·  The Defiant | Ethena Labs'USDTB Stablecoin Surges 1,500%, Enters Top 10 Stablecoins | Live Link [https://thedefiant.io/news/markets/ethena-labs-usdtb-stablecoin-surges-1-500-enters-top-10-stablecoins?utm_source=newsletter&utm_medium=email&utm_campaign=btc-reclaims-83k-ahead-of-trump-s-tariff-rollout&_bhlid=e15941fd91f61b7a90daab06c2e6e5fc6c57b00d] ·  Experian | Launch ofExperian’s CashFlow Score signals new era of open banking | Live Link [https://www.experianplc.com/newsroom/press-releases/2025/launch-of-experian-s-cashflow-score-signals-new-era-of-open-bank?hashed_user=de42d050eb2f9423e59f4e8ca599020a&utm_source=Sailthru&utm_medium=email&utm_campaign=03.31.25%20Fintech&utm_term=Fintech%20Takes] ·  The Paypers | UAE tolaunch Digital Dirham for retail by late 2025 | Live Link [https://thepaypers.com/cryptocurrencies/uae-to-launch-digital-dirham-for-retail-by-late-2025--1272942?utm_source=newsletter&utm_medium=email&utm_campaign=Daily+2025-03-31+Daily-Newsletter-Banking] Finextra, Banking Dive, Law360, The Defiant, Experian, ThePaypers

Regulatory Bloodbath | March 31, 2025

IMPORTANT: To have this episode delivered toyou daily, and to be on the waitlist for our new app, please sign up HERE: ⁠⁠⁠https://your-inbox.beehiiv.com/subscribe⁠⁠ [https://your-inbox.beehiiv.com/subscribe] To get links for all stories included in our daily episodes, please subscribe for free: https://your-inbox.beehiiv.com/subscribe For exclusive content like Press Availabilities, Job Opportunities, A no-sale environment, help from colleagues, events, and more, become an executive member: https://your-inbox.beehiiv.com/upgrade Repurpose our white label our content with a Creators' Membership: https://your-inbox.beehiiv.com/upgrade Banking Dive | Fed, OCC, FDIC seek to rescind CRA final rule | Link [https://www.bankingdive.com/news/fed-occ-fdic-seek-rescind-cra-final-rule/743868] Banking Dive | House Republicans demand CFPB docs on UDAAP, Chopra, Frotman | Link [https://www.bankingdive.com/news/house-republicans-cfpb-barr-huizenga-chopra-udaap-cid-frotman-foster/743610] Banking Dive | Senate eyes vote to overturn CFPB overdraft rule with $5 cap | Link [https://www.bankingdive.com/news/senate-vote-overturn-cfpb-overdraft-rule-5-dollar-cap-fee-scott-trump/743829] Finextra | A new era of KYC – Why it’s time to redefine client onboarding| Link [https://www.finextra.com/event-info/550/a-new-era-of-kyc---why-its-time-to-redefine-client-onboarding] FinTech Futures | The White House unveils fintech framework for US | Link [https://www.fintechfutures.com/fintech/the-white-house-unveils-fintech-framework-for-us] Crowdfund Insider | Affirm’s COO highlights key differentiators in BNPL industry | Link [https://www.crowdfundinsider.com/2025/03/237873-bnpl-fintech-affirms-coo-highlights-key-differentiators-in-the-pay-later-industry/] FinTech Futures | Seven US states standardize fintech payments | Link [https://www.fintechfutures.com/paytech/seven-us-states-standardise-fintech-payments] Fintech Business Weekly (Substack) | CFPB offers flexibility to small-dollar lenders| Link [https://fintechbusinessweekly.substack.com/p/cfpb-offers-small-dollar-lenders] JD Supra | Fintech trade association moves to dismiss CFPB suit | Link [https://www.jdsupra.com/legalnews/fintech-trade-association-moves-to-9307531] FDIC (GovDelivery) | FDIC issues bulletin on resolution plans | Link [https://content.govdelivery.com/accounts/USFDIC/bulletins/3d93513] ATM Marketplace | Bitcoin ATM market sees 971 machines go offline | Link [https://www.atmmarketplace.com/news/bitcoin-atm-market-sees-971-machines-go-offline] Kansas City Fed | Debit card interchange fees charged to small merchants afterRegulation II | Link [https://www.kansascityfed.org/research/economic-review/debit-card-interchange-fees-charged-to-small-merchants-after-regulation-ii/]

Friday Regulatory Review | March 28, 2025

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