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Blog

If 2021 Showed Us Anything, It’s To Expect the Unexpected in 2022

12/16/2021

 
The past year has been a busy one when it comes to payments regulation. Everything from disclosures to transaction routing has come to the attention of regulators and Congress. There is more to come in 2022. 

In the latest episode of the IPA Payments Pod, Brian Tate, the IPA’s CEO, discusses the impact of some of the biggest stories from the past year and what they might mean for 2022.  

We cover the PayPal lawsuit, which could change the way the prepaid products can offer credit, and the types of disclosures they need to provide.  

We talk about earned wage access and buy-now-pay-later products. These products have drawn interest from Congress and Brian testified in front of the House Financial Services Committee on earned wage access products. You can find a video of his testimony here: Buy Now, Pay More Later? Investigating Risks and Benefits of BNPL and Other Emerging Fintech Cash Flow Products | U.S. House Committee on Financial Services. 

We discuss how the Consumer Financial Protection Bureau and the Federal Deposit Insurance Corporation are at odds over a request for public comment on the Bank Merger Act. The CFPB published the request on its own site on Dec. 9, saying that the FDIC board had approved the request. The same day, the FDIC published a release on its own site that said no request for information had been voted on by the board and that it looked for to a collegial relationship with other regulators in the future.  

We also cover the nomination of Saule Omarova to be comptroller of the currency, routing requirements, and even what might happen with Crypto.  

Listen here and leave us a review! 
 

Have Digital Driver’s Licenses Arrived? Apple has struck a deal with several states, but is it a good one?

12/7/2021

 
Nearly everything in a physical wallet can be put into a digital wallet. For a long time, the one exception was your driver’s license, but that may soon change.  

Apple has struck deals with a number of states to put licenses into iPhones. In this episode, Jason Mikula, the publisher of Fintech Business Weekly, talks about what he found when he reviewed the deals and how they look nearly identical from state to state and give Apple much of the control over the programs. The company has said on its iOS 15 Web site that it will launch a driver’s license or ID feature in 2022.  

We discuss the pros and cons of digital driver’s licenses and of private companies getting into what was once purely a government domain.  

You can find Jason on Twitter at @mikulaja and subscribe to his newsletter at: Fintech Business Weekly | Jason Mikula | Substack.   
 

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