The first half of 2026 has been one of the most active public policy periods for the payments industry in recent memory. From legislative debates surrounding the CLARITY Act and stablecoin regulation to evolving guidance on earned wage access (EWA), open banking, and artificial intelligence, the regulatory landscape has shifted rapidly. Throughout it all, the Innovative Payments Association (IPA) has been actively engaged—advocating for the industry, working with policymakers and regulators, and ensuring the payments community's voice is heard.

The IPA's 2026 Mid-Year Report highlights the association's accomplishments through the first six months of the year, including key advocacy efforts, regulatory engagement, thought leadership, educational programming, and industry events. The report also looks ahead to the remainder of 2026, including the IPA Compliance Boot Camp on September 10, where payments professionals will gather to explore the latest developments in compliance, regulation, and industry best practices.

As policymakers continue to address emerging technologies, consumer protection, financial inclusion, and innovation, the IPA remains committed to equipping members with the advocacy, intelligence, education, and compliance resources they need to navigate an increasingly complex payments landscape.

Download the 2026 IPA Mid-Year Report to learn more about the IPA's work on behalf of the payments industry and what's ahead for the remainder of the year.

The Innovative Payments Association (IPA) has released its 2025 Mid-Year Report, providing an overview of the association's advocacy efforts, regulatory engagement, and member-focused initiatives during the first half of the year.

As the payments industry navigates a changing regulatory environment, the IPA has remained focused on advancing policies that promote innovation while protecting consumers. The report highlights the association's work on key issues including earned wage access (EWA), bank-fintech partnerships, open banking, prepaid accounts, fraud prevention, and payment modernization initiatives at both the federal and state levels.

The report also details the IPA's ongoing engagement with policymakers, regulators, and industry stakeholders through comment letters, coalition advocacy, media outreach, and educational programming. In addition, it highlights member-exclusive resources such as the Summer of Learning webinar series, policy briefings, and upcoming events designed to help payments professionals stay ahead of regulatory developments.

As the industry continues to evolve, the IPA remains committed to providing leadership, advocacy, and practical guidance for banks, fintechs, payment companies, and service providers across the payments ecosystem.
Download the full 2025 Mid-Year Report to learn more about the IPA's accomplishments, advocacy priorities, and the issues shaping the future of payments.

The Innovative Payments Association (IPA) has released its 2024 Mid-Year Report, providing a snapshot of the association's advocacy efforts, regulatory engagement, and industry leadership during the first half of the year.

​As the payments industry navigated a rapidly evolving regulatory landscape, the IPA remained focused on promoting a stable environment that supports innovation while protecting consumers. The report highlights the association's work on key issues including earned wage access (EWA), open banking, interchange fees, overdraft and nonsufficient funds (NSF) fees, customer identification requirements, and emerging state-level legislative proposals.

The report also details the IPA's ongoing engagement with policymakers, regulators, and industry stakeholders through comment letters, thought leadership, media outreach, and educational programming. In addition, it highlights member resources and events designed to help payments professionals stay informed on the latest developments impacting the industry.

With regulatory activity continuing to accelerate, the IPA remains committed to serving as a trusted voice for the payments ecosystem and ensuring that innovation, financial inclusion, and consumer choice remain central to policy discussions.

Download the full 2024 Mid-Year Report to learn more about the IPA's advocacy efforts, accomplishments, and the issues shaping the future of payments.