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# Financial Technology Association

## Sitemaps
- [XML Sitemap](https://www.ftassociation.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [FTA Urges OCC and FDIC to Modernize Community Reinvestment Act Rules](https://www.ftassociation.org/fta-urges-occ-and-fdic-to-modernize-community-reinvestment-act-rules/): WASHINGTON, D.C. — The Financial Technology Association (FTA) submitted a comment letter to the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) on proposed changes to Community Reinvestment Act (CRA) regulations. FTA supports the CRA’s core purpose of encouraging banks to meet the credit needs of the communities they serve, including low- and moderate-income communities. The letter recommends modernizing the framework to reflect how banks operate today, including digital-first business models, while maintaining the law’s original intent.
- [How AI is already changing the way Americans buy homes](https://www.ftassociation.org/how-ai-is-already-changing-the-way-americans-buy-homes/): The technology is speeding up searches, streamlining mortgage approvals, reshaping how buyers make decisions
- [Fintechs press for Fed access](https://www.ftassociation.org/fintechs-press-for-fed-access/): Stripe and Ramp executives highlighted their companies’ need for more access to the Federal Reserve’s payment rails during a Fed conference.
- [FTA Supports FDIC & OCC Proposals to Modernize Confidential Supervisory Information Framework, Strengthening Bank-Fintech Partnerships](https://www.ftassociation.org/fta-supports-fdic-occ-proposal-to-modernize-confidential-supervisory-information-framework-strengthening-bank-fintech-partnerships/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today submitted comment letters to the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) on their proposals to modernize federal regulators’ Confidential Supervisory Information (CSI) framework. 
- [FTA and AFC Urge Education Department to Establish Certified Data Access Framework for Student Loan Borrowers.](https://www.ftassociation.org/fta-and-afc-urge-education-department-to-establish-certified-data-access-framework-for-student-loan-borrowers/): WASHINGTON, D.C. — The Financial Technology Association (FTA) and the American Fintech Council (AFC) sent a joint letter to U.S. Secretary of Education Linda McMahon, calling on the Department to direct Federal Student Aid (FSA) servicers to adopt a process that allows borrowers to securely access their own loan information through vetted, pre-approved data access providers. The groups also proposed a Certified Consumer Data Access Provider (CCDAP) framework to support secure, borrower-permissioned access to federal student loan data.
- [House passes bipartisan GUARD Act co-led by Gottheimer to combat financial scams targeting seniors](https://www.ftassociation.org/house-passes-bipartisan-guard-act-co-led-by-gottheimer-to-combat-financial-scams-targeting-seniors/): The U.S. House of Representatives passed bipartisan legislation Tuesday aimed at helping law enforcement investigate financial fraud and scams targeting older Americans.
- [FTA Applauds House Passage of the Bipartisan GUARD Act to Combat Fraud and Scams](https://www.ftassociation.org/fta-applauds-house-passage-of-the-bipartisan-guard-act-to-combat-fraud-and-scams/): WASHINGTON, D.C. - The Financial Technology Association (FTA) issued the following statement applauding House passage of H.R. 2978, the Guarding Unprotected Aging Retirees from Deception (GUARD) Act of 2026: 
- [FTA Urges NYDFS to Recognize Consumer Benefits of BNPL, Calls for Appropriately Calibrated Rule](https://www.ftassociation.org/fta-urges-nydfs-to-recognize-consumer-benefits-of-bnpl-calls-for-appropriately-calibrated-rule/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a comment letter on the New York State Department of Financial Services (NYDFS)’s proposed Buy Now Pay Later (BNPL) rule, arguing that it imposes extensive, ill-fitting regulations on a market that's working well for New York consumers and small businesses, rather than targeting a demonstrated consumer harm.
- [Joint Trades Urge NYDFS to Clarify and Properly Calibrate Buy Now Pay Later Rule](https://www.ftassociation.org/joint-trades-urge-nydfs-to-clarify-and-properly-calibrate-buy-now-pay-later-rule/): WASHINGTON, D.C. – As New Yorkers face growing affordability pressures, a coalition of trade associations representing financial services providers and technology firms serving millions of New Yorkers warned that a proposed Buy Now Pay Later (BNPL) rule from the New York State Department of Financial Services (NYDFS) could capture entities that are not BNPL providers and push consumers toward higher-cost credit while burdening small businesses that rely on the product to support their customers.
- [FTA Joins Coalition in Support of American Lending Fairness Act (ALFA)](https://www.ftassociation.org/fta-joins-coalition-in-support-of-american-lending-fairness-act-alfa-2/): WASHINGTON, D.C. - The Financial Technology Association (FTA) joined twelve trade associations in sending a letter to the leadership of the Senate Committee on Banking, Housing, and Urban Affairs and the House Committee on Financial Services, expressing support for the bipartisan American Lending Fairness Act of 2026 (ALFA), introduced as S. 3889 by Sen. Bernie Moreno (R-OH) and H.R. 7866 by Rep. Warren Davidson (R-OH).
- [FTA Welcomes Earned Wage Access Provider Stream as Newest Board Member](https://www.ftassociation.org/fta-welcomes-earned-wage-access-provider-stream-as-newest-board-member/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today announced Stream, a leading provider of financial tools for everyday workers, as the association’s newest Board Member. Stream empowers employees to earn, learn, save, and spend on their own terms, with a range of services including earned wage access. 
- [FTA Names Ebony Sunala Johnson as Chief Operating Officer and Chief Legal Officer](https://www.ftassociation.org/fta-names-ebony-sunala-johnson-as-chief-operating-officer-and-chief-legal-officer/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today announced Ebony Sunala Johnson as the organization's first Chief Operating Officer and Chief Legal Officer. Johnson will oversee FTA’s legal and operational functions as the trade association continues to grow and advocate for modern policies to reflect the digital transformation of financial services. 
- [FTA Urges Governor Newsom to Veto AB 2116; Warns Bill Could Restrict Small Business Access to Capital](https://www.ftassociation.org/fta-urges-governor-newsom-to-veto-ab-2116-warns-bill-could-restrict-small-business-access-to-capital/): WASHINGTON, D.C. - The Financial Technology Association (FTA) sent a letter to California Governor Gavin Newsom urging him to veto CA AB 2116, which would expand licensing and regulatory requirements for commercial financing providers and brokers. FTA warns that it would pile new requirements on top of California’s existing commercial financing frameworks, raising compliance costs and potentially shrinking financing options for small businesses.
- [FTA Joins Financial Services Trade Groups Urging Stronger Robocall Verification Rules](https://www.ftassociation.org/fta-joins-financial-services-trade-groups-urging-stronger-robocall-verification-rules/): WASHINGTON, D.C. - The Financial Technology Association, alongside 13 other financial services trade associations, submitted a comment letter to the Federal Communications Commission (FCC) in response to its Further Notice of Proposed Rulemaking on strengthening “know-your-upstream-provider” (KYUP) requirements and the STIR/SHAKEN caller ID authentication framework. In the letter, the associations support stronger safeguards to prevent illegal spoofed calls, impersonation scams, and fraud.
- [The Center Square: Data tolling would harm consumers, conflict with Trumps agenda, critics say](https://www.ftassociation.org/the-center-square-data-tolling-would-harm-consumers-conflict-with-trumps-agenda-critics-say/): A forthcoming federal rule on open banking may allow banks to charge new fees for access to consumer data, a move critics say would harm consumers and runs counter to other parts of President Donald Trump’s agenda.
- [Payments Dive: FedNow extension wins support](https://www.ftassociation.org/fednow-extension-wins-support/): Stripe, Visa, Wise and industry trade groups back the Federal Reserve’s plan to expand its instant payment system for cross-border use.
- [FTA Opposes California AB 2116, Warns Bill Could Restrict Small Business Access to Capital](https://www.ftassociation.org/fta-opposes-california-ab-2116-warns-bill-could-restrict-small-business-access-to-capital/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a letter opposing California Assembly Bill 2116, warning the legislation would create duplicative requirements, increase compliance burdens, reduce financing options, and discourage innovation without delivering meaningful benefits for the businesses it aims to support. California already has existing comprehensive regulatory requirements governing commercial financing transactions, including licensing requirements and disclosure obligations under the California Financing Law.
- [FTA Urges Missouri Securities Division to Clarify Proposed Adviser Rule](https://www.ftassociation.org/fta-urges-missouri-securities-division-to-clarify-proposed-adviser-rule/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a comment letter to the Missouri Securities Division, raising concerns with its proposed amendment to 15 CSR 30-51.172 governing investment advisers and investment adviser representatives. FTA supports the Division's efforts to protect investors from unsafe credential-sharing practices but warns that the proposal could unintentionally restrict advisers' use of secure, investor-authorized technology platforms, even when advisers never access or retain a client's credentials.
- [FTA Urges Oregon Regulators to Withdraw Proposed Buy Now Pay Later Bulletin](https://www.ftassociation.org/fta-urges-oregon-regulators-to-withdraw-proposed-buy-now-pay-later-bulletin/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a comment letter to the Oregon Department of Consumer and Business Services (DCBS), raising concerns with its proposed bulletin on Buy Now Pay Later (BNPL) products. In the letter, FTA argues the bulletin contravenes Oregon law by applying payday lending and consumer finance licensing requirements to Pay-in-Four BNPL products that were never intended to fall under those statutory frameworks, and urges the Department to withdraw it.
- [FTA Urges Federal Reserve to Include ACH Access in New Payment Account Framework](https://www.ftassociation.org/fta-urges-federal-reserve-to-include-ach-access-in-new-payment-account-framework/): Exclusion of ACH leaves payment account “an incomplete solution” for payment-focused firms seeking direct access to the U.S. payments system
- [Payments Journal: Consumer Support for BNPL Remains Strong Despite Calls for Regulation](https://www.ftassociation.org/payments-journal-consumer-support-for-bnpl-remains-strong-despite-calls-for-regulation/): Despite growing scrutiny from regulators and warnings about rising consumer debt, buy now, pay later (BNPL) continues to resonate with consumers. A new survey found that many BNPL users view the payment option positively.
- [FTA Joins Coalition in Support of American Lending Fairness Act (ALFA)](https://www.ftassociation.org/fta-joins-coalition-in-support-of-american-lending-fairness-act-alfa/): WASHINGTON, D.C. - The Financial Technology Association (FTA) joined twelve trade associations in sending a letter to the leadership of the Senate Committee on Banking, Housing, and Urban Affairs and the House Committee on Financial Services, expressing support for the bipartisan American Lending Fairness Act of 2026 (ALFA), introduced as S. 3889 by Sen. Bernie Moreno (R-OH) and H.R. 7866 by Rep. Warren Davidson (R-OH).
- [New HarrisX Survey: Amid Growing Economic Pressures, Americans Overwhelmingly View Buy Now Pay Later (BNPL) As A Smart Financial Tool](https://www.ftassociation.org/new-harrisx-survey-amid-growing-economic-pressures-americans-overwhelmingly-view-buy-now-pay-later-bnpl-as-a-smart-financial-tool/): 87% of BNPL “Pay in 4” users say “Pay in 4” plans have helped them avoid relying on high-interest credit debt
- [Bloomberg Law: CFPB Data-Rationing Proposal Violates Trump Order, Fintechs Say](https://www.ftassociation.org/bloomberg-law-cfpb-data-rationing-proposal-violates-trump-order-fintechs-say/): A forthcoming Consumer Financial Protection Bureau proposal expected to allow banks to ration financial technology companies’ free access to customer data runs counter to President Donald Trump’s executive order aimed at increasing access to financial services, fintech and retail trade groups say.
- [Capitol Accounts: Warsh Charms Lawmakers, Pledges to ‘Keep Politics Out of the Fed’](https://www.ftassociation.org/warsh-charms-lawmakers-pledges-to-keep-politics-out-of-the-fed/): Also, fintechs and retailers press Vought on open banking; SEC chief accountant says independence rules need updating; Finra names investor education head; ex-CFPB officials launch law firm
- [PYMNTS: New York Regulator Proposes Licensing Rules for BNPL Lenders](https://www.ftassociation.org/new-york-regulator-proposes-licensing-rules-for-bnpl-lenders/): The New York State Department of Financial Services (DFS) posted a notice of proposed rule making regarding buy now, pay later (BNPL) lenders together with the text of the proposed regulation Wednesday (July 15) and will accept public comment on the proposed regulation until Sept. 14, according to the department’s regulatory activity page.
- [Bloomberg Law: Buy Now, Pay Later Lenders in NY Hit With Credit Card Standards](https://www.ftassociation.org/buy-now-pay-later-lenders-in-ny-hit-with-credit-card-standards/): Buy now, pay later lenders operating in New York would have to get licensed and send out monthly billing statements similar to credit card issuers under a proposal from the state’s financial regulator.
- [Politico: The fight over pricing your data](https://www.ftassociation.org/the-fight-over-pricing-your-data/): The Trump administration is about to test whether there’s such a thing as a compromise in one of Washington’s low-simmering — but fiercest — financial policy fights.
- [FTA Submits Pre-Rulemaking Comments on Colorado SB 189’s Automated Decision-Making Technology Framework](https://www.ftassociation.org/fta-submits-pre-rulemaking-comments-on-colorado-sb-189s-automated-decision-making-technology-framework/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a comment letter to the Colorado Attorney General's Office during the pre-rulemaking process for Colorado Senate Bill 26-189, which establishes a regulatory framework for the use of automated decision-making technology (ADMT) in consequential decisions. FTA applauds the Attorney General’s Office’s efforts to engage stakeholders and develop effective rules for Senate Bill 26-189 and also urges the Office to provide additional clarity to ensure the law can be implemented consistently while avoiding unintended burdens on innovative financial service companies.
- [FTA Statement on Proposed NYDFS Buy Now Pay Later Rule](https://www.ftassociation.org/fta-statement-on-proposed-nydfs-buy-now-pay-later-rule/): WASHINGTON, D.C. - The Financial Technology Association (FTA) issued the following statement on the New York Department of Financial Services’ proposed regulations on Buy Now Pay Later: 
- [Fintech, Digital Asset, and Merchant Groups Urge CFPB’s Vought to Reject Open Banking Fees and Data Rationing](https://www.ftassociation.org/fintech-digital-asset-and-merchant-groups-urge-cfpbs-vought-to-reject-open-banking-fees-and-data-rationing/): WASHINGTON, D.C. –  The Financial Technology Association, joined by the American Fintech Council, Blockchain Association, Chamber of Progress, Crypto Council for Innovation, Financial Data and Technology Association, National Association of Convenience Stores, National Retail Federation, and Retail Industry Leaders Association, today sent a joint letter to Acting Consumer Financial Protection Bureau (CFPB) Director Russell Vought urging the Bureau to finalize an open banking rule that is free of data access fees and data rationing thresholds.
- [Investment News: New bill would let advisers unlock accredited investor status for clients](https://www.ftassociation.org/new-bill-would-let-advisers-unlock-accredited-investor-status-for-clients/): Legislation seeks to loosen access to private markets to include professional advice from RIAs and broker-dealers, not just income or net worth.
- [Law360: House Bill To Regulate Earned Wage Advances Clears Panel](https://www.ftassociation.org/law360-house-bill-to-regulate-earned-wage-advances-clears-panel/): The House Financial Services Committee has advanced a federal framework for fintechs offering paycheck advances despite pushback from some Democrats that the proposal hamstrings states by blocking them from applying their lending laws to the services and imposing stronger consumer protections.
- [FTA Statement on Bipartisan HFSC Markup of EWA Legislation](https://www.ftassociation.org/fta-statement-on-bipartisan-hfsc-markup-of-ewa-legislation/): WASHINGTON, D.C. - The Financial Technology Association (FTA) released the following statement on the House Financial Services Committee’s markup of H.R. 9330, the Earned Wage Access Consumer Protection Act. The legislation passed out of committee on a bipartisan basis, 29-22.  
- [Joint Trades Urge FCC to Strengthen “Know Your Customer” Rules for Voice Providers](https://www.ftassociation.org/joint-trades-urge-fcc-to-strengthen-know-your-customer-rules-for-voice-providers/): WASHINGTON, D.C. - The Financial Technology Association (FTA) joined a coalition of trade associations in submitting comments with the Federal Communications Commission (FCC) backing stronger "know your customer" requirements for voice service providers that originate calls.
- [Fintech Explained: Celebrating 250 Years of American Financial Innovation](https://www.ftassociation.org/fintech-explained-celebrating-250-years-of-american-financial-innovation/): Two hundred and fifty years ago, Americans bartered, carried cash, or maintained complex accounting ledgers. Today, eight in ten Americans rely on fintech products and services to manage their financial lives, sending money across the world in seconds, accessing their wages before payday, investing for retirement from their phones, and building businesses without ever setting foot in a bank branch.
- [FTA Comment Letter on Proposed Rule Regarding Excise Tax on Remittance Transfers](https://www.ftassociation.org/fta-comment-letter-on-proposed-rule-regarding-excise-tax-on-remittance-transfers/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted comments responding to the Notice of Proposed Rulemaking issued by the Department of the Treasury and the Internal Revenue Service implementing the proposed remittance transfer tax provisions of the One Big Beautiful Bill Act. While FTA supports the proposed rule’s definition of “other similar physical instrument," the anti-avoidance provision requires clarification to eliminate uncertainty for providers.
- [FTA Urges Arizona Governor to Veto Cross-Border Payment Tax Proposal](https://www.ftassociation.org/fta-urges-arizona-governor-to-veto-cross-border-payment-tax-proposal/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted a comment letter urging Arizona Governor Katie Hobbs to veto Senate Bill 1421, legislation that would create verification requirements for cross-border payments that cannot be reliably implemented.
- [FTA Congratulates Brian Johnson on Nomination as CFPB Director](https://www.ftassociation.org/fta-congratulates-brian-johnson-on-nomination-as-cfpb-director/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today congratulated Brian Johnson on his nomination by President Trump to serve as Director of the Consumer Financial Protection Bureau (CFPB).
- [Bloomberg Law: Tennessee’s Tax on Money Sent Abroad Hit With Fintech Lawsuit](https://www.ftassociation.org/bloomberg-law-tennessees-tax-on-money-sent-abroad-hit-with-fintech-lawsuit/): A new Tennessee law imposing a fee on some international money transfers is an unconstitutional tax on cross-border payments, a financial technology industry group said in a lawsuit challenging the measure.
- [FTA Files Lawsuit Challenging Constitutionality of Tennessee Cross-Border Payments Tax](https://www.ftassociation.org/fta-files-lawsuit-challenging-constitutionality-of-tennessee-cross-border-payments-tax/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today filed a declaratory judgment action in the Davidson County Chancery Court challenging the constitutionality of Tennessee House Bill 2502, a sweeping new tax on cross-border payments. The tax imposes significant costs on consumers and businesses that send funds to friends, family, vendors, or business associates abroad and runs afoul of the dormant Commerce Clause and the Import-Export Clause of the U.S. Constitution. 
- [FTA Comment Letter Responding to the Agencies’ AML Program Rule Proposal](https://www.ftassociation.org/fta-comment-letter-responding-to-the-agencies-aml-program-rule-proposal/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted comments in response to the Financial Crimes Enforcement Network (FinCEN), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency, and National Credit Union Administration’s (NCUA) proposed rule to fundamentally reform anti-money laundering and countering the financing of terrorism (AML/CFT) program requirements for financial institutions subject to the Bank Secrecy Act (BSA).
- [FTA Urges Federal Reserve to Modernize Cross-Border Payments Through Reg J Amendments](https://www.ftassociation.org/fta-urges-federal-reserve-to-modernize-cross-border-payments-through-reg-j-amendments/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted comments to the Federal Reserve Board of Governors on its proposed amendments to Regulation J, which would expand the FedNow Service to support cross-border money movement by allowing non-Reserve Bank intermediaries to participate in the transaction chain.
- [Joint Trades Letter on FCC Numbering Policies Proposal](https://www.ftassociation.org/joint-trades-letter-on-fcc-numbering-policies-proposal/): WASHINGTON, D.C. - The Financial Technology Association (FTA) joined several other trade associations in filing comments with the Federal Communications Commission (FCC), urging the agency to finalize stronger numbering policies aimed at shutting down the tactics bad actors use to perpetrate illegal robocall scams.
- [FTA Comments on Proposed Amendments to Ohio Investment Advice Rule](https://www.ftassociation.org/fta-comments-on-proposed-amendments-to-ohio-investment-advice-rule/): WASHINGTON, D.C. - The Financial Technology Association (FTA) submitted comments to the Ohio Division of Securities (ODS) this week, urging the agency to reconsider its May 6th proposed amendments to Rule 1301:6-3-44, which governs investment advice and account access.
- [FTA Welcomes Brigit Carroll as Senior Director of State Government Affairs](https://www.ftassociation.org/fta-welcomes-brigit-carroll-as-senior-director-of-state-government-affairs/): WASHINGTON, D.C. - The Financial Technology Association (FTA) today welcomes Brigit Carroll, an experienced government relations executive and fintech policy leader, as Senior Director of State Government Affairs. Brigit will bolster FTA’s presence at the state level, representing the fintech industry and advocating for financial innovation before state legislatures, regulatory agencies, and other state forums.
- [Payment Dive: Tennessee levies tax on remittances](https://www.ftassociation.org/payment-dive-tennessee-levies-tax-on-remittances/): The Volunteer State will add a $10 tax for cross-border payments, and an extra 2% fee for some, under a new law drawing the ire of payments players.
- [FTA Letter on Illinois SB 3561, the BNPL Loan Consumer Protection Act](https://www.ftassociation.org/fta-letter-on-il-sb-3561/): WASHINGTON, D.C. - The Financial Technology Association sent a letter to the Illinois House Judiciary – Civil Committee on Senate Bill 3561, the BNPL Loan Consumer Protection Act. While FTA appreciates the improvements included in the final bill that passed the Senate, several provisions remain that would impose duplicative and ill-fitting regulatory requirements, including for many BNPL providers already operating under federal oversight.
- [FTA Urges Vermont Governor to Veto HB 648](https://www.ftassociation.org/fta-urges-vermont-governor-to-veto-hb-648/): WASHINGTON, D.C. - The Financial Technology Association (FTA) sent a letter to Vermont Governor Phil Scott respectfully urging him to veto House Bill 648, legislation concerning sales-based and commercial financing.
- [FTA Statement on Tennessee Cross-Border Payment Tax](https://www.ftassociation.org/fta-statement-on-tennessee-cross-border-payment-tax/): WASHINGTON, D.C. - The Financial Technology Association (FTA) issued the following statement on Tennessee House Bill 2502, a broad, sweeping new tax on consumers and businesses sending money abroad. The legislation was passed by the Tennessee legislature earlier this month and signed into law today. 

## Pages
- [Fintech Jobs Board](https://www.ftassociation.org/fintech-jobs-board/)
- [Join Us](https://www.ftassociation.org/join-us/): The Financial Technology Association (FTA) is a community of industry leaders shaping the future of finance. We demonstrate the power of technology-centered financial services to lower costs, improve access, drive competition, and work to modernize financial regulation to reflect the digital transformation. Fintech Magazine named us as one of the top 10 global fintech associations, recognizing our record of success serving the fintech industry.
- [Subscribe](https://www.ftassociation.org/get-involved/subscribe/):  
- [Become a Member](https://www.ftassociation.org/get-involved/become-a-member/): The Financial Technology Association (FTA) is a community of leading fintech companies and digital banks shaping the future of finance. We demonstrate the power of technology-centered financial services to lower costs, improve access, drive competition, and work to modernize financial regulation to reflect the digital transformation.
- [State Priorities](https://www.ftassociation.org/policy/state-priorities/): Explore the Policy: State Priorities Artificial intelligence Buy now pay later Commercial financing Earned wage access Open banking Payments True lender and DIDMCA
- [Terms of Use](https://www.ftassociation.org/terms-of-use/): Last updated March 03, 2021.
- [Privacy Policy](https://www.ftassociation.org/privacy-policy/): Last updated March 03, 2021.
- [CEO Summit](https://www.ftassociation.org/events/fta-ceo-summits/ceo-summit/)
- [Previous FTA Fintech Summit](https://www.ftassociation.org/events/fta-ceo-summits/previous-fta-fintech-summit/)
- [Contact Us](https://www.ftassociation.org/get-involved/contact-us/): "*" indicates required fields
- [Get Involved](https://www.ftassociation.org/get-involved/)
- [FTA Member Events](https://www.ftassociation.org/events/fta-member-events/): FTA Member Events We love hosting events that unite our member companies and the broader fintech community. Check out highlights from FTA receptions, industry events, and briefings. Learn More
- [Webinars](https://www.ftassociation.org/events/webinars/)
- [CEO Summits](https://www.ftassociation.org/events/fta-ceo-summits/)
- [Upcoming Events](https://www.ftassociation.org/events/): FTA Events Upcoming Events Upcoming Events Check back soon for upcoming FTA events. Past Events
- [Op-Eds & Podcasts](https://www.ftassociation.org/news-resources/op-eds-podcasts/)
- [FTA in the News](https://www.ftassociation.org/news-resources/fta-in-the-news/)
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- [Small Business](https://www.ftassociation.org/policy/small-business/): Explore the Policy: Small Business Comment letters Press releases Blogs and op-eds State priorities In the news
- [Privacy](https://www.ftassociation.org/policy/privacy/): Explore the Policy: Privacy Comment letters Press releases Blogs and op-eds In the news
- [Payments](https://www.ftassociation.org/policy/payments/): Explore the Policy: Payments Comment letters Press releases Blogs and op-eds State priorities In the news
- [Open Banking](https://www.ftassociation.org/policy/open-banking/): Explore the Policy: Open Banking Comment letters Press releases Blogs and op-eds State Priorities In the news
- [Fintech Regulation](https://www.ftassociation.org/policy/fintech-regulation/): Explore the Policy: Fintech Regulation Comment letters Press releases Blogs and op-eds In the news
- [Financial Crimes](https://www.ftassociation.org/policy/financial-crimes/): Explore the Policy: Financial Crimes Comment letters Press releases Blogs and op-eds In the news
- [Earned Wage Access](https://www.ftassociation.org/policy/earned-wage-access/): Explore the Policy: Earned Wage Access Explore the facts Comment letters Press releases Blogs and op-eds State priorities In the news
- [Capital Markets](https://www.ftassociation.org/policy/capital-markets/): Explore the Policy: Capital Markets Explore the facts Comment letters Press releases Blogs and op-eds In the news
- [Buy Now Pay Later](https://www.ftassociation.org/policy/buy-now-pay-later/): Explore the Policy: Buy Now Pay Later Explore the facts Comment letters Press releases Blogs and op-eds State priorities In the news
- [Bank-Fintech Partnerships](https://www.ftassociation.org/policy/bank-fintech-partnerships/): Explore the Policy: Bank-Fintech Partnerships Comment letters Press releases Blogs and op-eds State priorities In the news
- [Artificial Intelligence](https://www.ftassociation.org/policy/artificial-intelligence-and-machine-learning/): Explore the Policy: Artificial Intelligence Explore the facts Comment letters Press releases Blogs & op-eds State priorities In the news
- [Policy](https://www.ftassociation.org/policy/)
- [Leadership](https://www.ftassociation.org/about/leadership/): Our leadership
- [Our Members](https://www.ftassociation.org/about/our-members/): In an increasingly digital world, the future of finance lies in innovation. Our network of fintech industry leaders champions the power of technology and works to modernize financial policy and regulation to reflect the digital transformation.
- [Who We Are](https://www.ftassociation.org/about/who-we-are/): We champion the power of financial technology to expand access, empower consumers, small businesses, and startups, and unlock the next generation of financial innovation. Our mission is to bring together regulators, policymakers, consumer advocates, and industry leaders to advance a modern, inclusive, and competitive financial services ecosystem. 
- [About](https://www.ftassociation.org/about/)
- [Home](https://www.ftassociation.org/): New "State of Fintech" Survey Reveals High Levels of Satisfaction, Value, and Trust in Fintech.

## Categories
- [Artificial Intelligence - Op-eds](https://www.ftassociation.org/category/news/op-eds/artificial-intelligence/)
- [Artificial Intelligence and Machine Learning - Blog](https://www.ftassociation.org/category/fintech-explained/artificial-intelligence-and-machine-learning-fintech-explained/)
- [Artificial Intelligence and Machine Learning - CL](https://www.ftassociation.org/category/comment-letters/artificial-intelligence-and-machine-learning/)
- [Artificial Intelligence and Machine Learning - News](https://www.ftassociation.org/category/news/fta-in-the-news/artificial-intelligence-and-machine-learning-fta-in-the-news/)
- [Artificial Intelligence and Machine Learning - PR](https://www.ftassociation.org/category/news/fta-press-releases/artificial-intelligence-and-machine-learning-fta-press-releases/)
- [Artificial Intelligence and Machine Learning - State Work](https://www.ftassociation.org/category/state-work/artificial-intelligence-and-machine-learning-state-work/)
- [Bank Fintech Partnerships - Blog](https://www.ftassociation.org/category/fintech-explained/bank-fintech-partnerships-fintech-explained/)
- [Bank-Fintech Partnerships - CL](https://www.ftassociation.org/category/comment-letters/bank-fintech-partnerships/)
- [Bank-Fintech Partnerships - News](https://www.ftassociation.org/category/news/fta-in-the-news/bank-fintech-partnerships-fta-in-the-news/)
- [Bank-Fintech Partnerships - Op-eds](https://www.ftassociation.org/category/news/op-eds/bank-fintech-partnerships-op-eds/)
- [Bank-Fintech Partnerships - PR](https://www.ftassociation.org/category/news/fta-press-releases/bank-fintech-partnerships-fta-press-releases/)
- [Buy Now Pay Later - Blog](https://www.ftassociation.org/category/fintech-explained/buy-now-pay-later-fintech-explained/)
- [Buy Now Pay Later - CL](https://www.ftassociation.org/category/comment-letters/buy-now-pay-later/)
- [Buy Now Pay Later - News](https://www.ftassociation.org/category/news/fta-in-the-news/buy-now-pay-later-fta-in-the-news/)
- [Buy Now Pay Later - Op-eds](https://www.ftassociation.org/category/news/op-eds/buy-now-pay-later-op-eds/)
- [Buy Now Pay Later - PR](https://www.ftassociation.org/category/news/fta-press-releases/buy-now-pay-later-fta-press-releases/)
- [Buy Now Pay Later - State Work](https://www.ftassociation.org/category/state-work/buy-now-pay-later-state-work/)
- [Capital Markets - Blog](https://www.ftassociation.org/category/fintech-explained/capital-markets-fintech-explained/)
- [Capital Markets - CL](https://www.ftassociation.org/category/comment-letters/capital-markets/)
- [Capital Markets - News](https://www.ftassociation.org/category/news/fta-in-the-news/capital-markets-fta-in-the-news/)
- [Capital Markets - PR](https://www.ftassociation.org/category/news/fta-press-releases/capital-markets-fta-press-releases/)
- [Comment Letters](https://www.ftassociation.org/category/comment-letters/)
- [Earned Wage Access - Blog](https://www.ftassociation.org/category/fintech-explained/earned-wage-access-fintech-explained/)
- [Earned Wage Access - CL](https://www.ftassociation.org/category/comment-letters/earned-wage-access/)
- [Earned Wage Access - News](https://www.ftassociation.org/category/news/fta-in-the-news/earned-wage-access-fta-in-the-news/)
- [Earned Wage Access - Op-eds](https://www.ftassociation.org/category/news/op-eds/earned-wage-access-op-eds/)
- [Earned Wage Access - PR](https://www.ftassociation.org/category/news/fta-press-releases/earned-wage-access-fta-press-releases/)
- [Earned Wage Access - State Work](https://www.ftassociation.org/category/state-work/earned-wage-access-state-work/)
- [Financial Crimes - Blog](https://www.ftassociation.org/category/fintech-explained/financial-crimes-fintech-explained/)
- [Financial Crimes - CL](https://www.ftassociation.org/category/comment-letters/financial-crimes/)
- [Financial Crimes - News](https://www.ftassociation.org/category/news/fta-in-the-news/financial-crimes-fta-in-the-news/)
- [Financial Crimes - Op-eds](https://www.ftassociation.org/category/news/op-eds/financial-crimes-op-eds/)
- [Financial Crimes - PR](https://www.ftassociation.org/category/news/fta-press-releases/financial-crimes-fta-press-releases/)
- [Financial Education](https://www.ftassociation.org/category/fintech-explained/financial-education/)
- [Fintech Explained](https://www.ftassociation.org/category/fintech-explained/)
- [Fintech Regualtion Op-Eds](https://www.ftassociation.org/category/news/op-eds/fintech-regualtion-op-eds/)
- [Fintech Regulation Blog](https://www.ftassociation.org/category/fintech-explained/fintech-regulation-blog/)
- [Fintech Regulation CL](https://www.ftassociation.org/category/comment-letters/fintech-regulation-cl/)
- [Fintech Regulation News](https://www.ftassociation.org/category/news/fta-in-the-news/fintech-regulation-news/)
- [Fintech Regulation PR](https://www.ftassociation.org/category/news/fta-press-releases/fintech-regulation-pr/)
- [FTA CEO Summits](https://www.ftassociation.org/category/fta-ceo-summits/)
- [FTA In the News](https://www.ftassociation.org/category/news/fta-in-the-news/)
- [FTA Member Spotlights](https://www.ftassociation.org/category/fintech-explained/member-profiles/)
- [News](https://www.ftassociation.org/category/news/): Archive of all news and updates from FTA, and FTA Members.
- [Op-Eds](https://www.ftassociation.org/category/news/op-eds/)
- [Open Banking - Blog](https://www.ftassociation.org/category/fintech-explained/open-banking-fintech-explained/)
- [Open Banking - CL](https://www.ftassociation.org/category/comment-letters/open-banking-comment-letters/)
- [Open Banking - News](https://www.ftassociation.org/category/news/fta-in-the-news/open-banking-fta-in-the-news/)
- [Open Banking - Op-eds](https://www.ftassociation.org/category/news/op-eds/open-banking-op-eds/)
- [Open Banking - PR](https://www.ftassociation.org/category/news/fta-press-releases/open-banking-fta-press-releases/)