The Innovative Payments Association (IPA) has released its 2025 Annual Report, highlighting a year of advocacy, industry engagement, and thought leadership on the issues shaping the future of payments.

Throughout 2025, the IPA worked with policymakers, regulators, and industry stakeholders to advance responsible innovation while supporting a regulatory framework that protects consumers and promotes financial inclusion. The report details the association's efforts on key issues including earned wage access (EWA), prepaid accounts, bank-fintech partnerships, open banking, fraud prevention, and the continued expansion of electronic payments.

The report also reflects on a milestone year as the IPA celebrated 20 years of leadership in the payments industry. From comment letters and congressional engagement to educational programs, media outreach, and member events, the IPA continued to serve as a leading voice for banks, fintechs, payments companies, and technology providers navigating a rapidly evolving regulatory landscape.

In addition to reviewing the association's advocacy work, the report provides an overview of member benefits, industry participation, and the impact of IPA's educational and networking initiatives.
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Download the full 2025 Annual Report to learn more about the IPA's accomplishments, policy priorities, and vision for the future of payments.

The Innovative Payments Association (IPA) has released its 2024 Annual Report, reflecting on a year marked by significant regulatory activity, policy developments, and continued innovation across the payments industry.
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Throughout 2024, the IPA worked on behalf of its members to advance a stable, pro-innovation regulatory environment while addressing some of the industry's most pressing issues. The report highlights advocacy efforts related to earned wage access (EWA), open banking, interchange fees, bank-fintech partnerships, artificial intelligence, overdraft and NSF fees, and evolving federal and state regulatory priorities.

The report also showcases the IPA's thought leadership and public engagement activities, including comment letters, media outreach, educational initiatives, and the 2024 Innovative Payments Conference. In addition, it provides insight into the association's efforts to strengthen industry collaboration, support financial inclusion, and help members navigate an increasingly complex policy landscape.

As policymakers and regulators continue to shape the future of payments, the IPA remains committed to representing the interests of the industry and promoting responsible innovation that benefits consumers, businesses, and government alike.

Download the full 2024 Annual Report to learn more about the IPA's advocacy efforts, industry accomplishments, and priorities for the future of payments.

The Innovative Payments Association (IPA) has released its 2023 Annual Report, showcasing a year of advocacy, industry collaboration, and continued support for innovation across the payments ecosystem.

Throughout 2023, the IPA worked to advance policies that promote financial inclusion, consumer choice, and responsible innovation. The report highlights the association's engagement on key issues including earned wage access (EWA), open banking, interchange fees, gift card legislation, and emerging regulatory developments affecting banks, fintechs, and payment providers.

The report also reviews the IPA's efforts to combat fraud, provide industry education, and amplify the voice of the payments sector through media outreach, regulatory engagement, and member-driven advocacy. In addition, it highlights the success of the Innovative Payments Conference and the association's ongoing work to bring together stakeholders from across the payments value chain.

As policymakers and regulators continue to examine the future of financial services, the IPA remains committed to helping shape a regulatory environment that supports innovation while protecting consumers and strengthening the payments ecosystem.
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Download the full 2023 Annual Report to learn more about the IPA's advocacy efforts, industry accomplishments, and vision for the future of payments.