The Future of Debit Interchange

  In the latest episode of the IPA Payments Pod, Brian Tate, the IPA's CEO, discusses what the changes in Congress could me for companies in the financial services space.  He talks about what Democratic control of Congress could mean for legislation and regulation, how the new Congress might work with the Republican Administration, including the regulatory agencies, and what might happen during the lame duck session of Congress.   This podcast was recorded on November 27, 2026. Things may have changed by the time you hear it.   The IPA will be holding a call with our members so they can ask questions, share their concerns, and discuss priorities for the next Congress.  If you are not a member and would like learn about this and other benefits of membership, visit our Web site at ipa.org. 

In this episode, Brian Tate, the IPA's CEO, talks about the future of debit interchange in light of the recent decision in Corner Post Inc. versus the Board of Governors of the Federal Reserve System.  The case centers around whether or not the Fed used the right standard when setting its debit card interchange cap on banks over $10 billion in assets. We discuss why the Court thinks the Fed needs to change its formula, what the future of that formula could look like, and whether this decision is the final word in the Interchange debate.   This podcast was recorded on October 27, 2026. Things may have changed by the time you hear it.   If you want to keep up with developments in payments regulation and innovations in the industry, make sure to subscribe to this podcast and share it with colleagues who might be interested. 

  In this episode, Brian Tate, the IPA's CEO, talks about the possible outcomes in the Midterm elections and what that might mean for the payments industry.   He covers what happens if the Democrats win enough seats to control the House of Representatives, the Senate, or both.  He also discusses what might happen in the lame duck session, and why the payments industry needs to keep its eyes on the regulators that are part of the executive branch.   This podcast was recorded on October 22, 2026. Things may have changed by the time you hear it.   As Brian mentioned the IPA will be working to prepare a briefing to help our members prepare for the outcomes of the Midterms as soon as the results are in.  If you are not currently a member, you can learn about this and other benefits of membership at our Web site. Make sure to also follow us on LinkedIn and YouTube for more insights into the world of payments, fintech, and financial regulation.  

  In this episode, Brian Tate, the IPA's CEO,  talks about the latest developments in payments regulation out of Washington DC.   He discusses the status of the Clarity Act in the wake of its cloture vote, the work to confirm a new head of the Consumer Financial Protection Bureau, and what we might expect out of Congress between the midterms and the end of the year.   This podcast was recorded on September 17, 2026. Things may have changed by the time you hear it.   The IPA's upcoming Webinars offer a chance for members to learn more about how the economy is affected the world of payments. Experts from NERA, National Economic Research Associates, will do a deep dive on how payments choices are driven by income on September 23. In October, experts from the R&P Group will be presenting on how best to build your company's human capital. You can learn more about these events at our Web site, IPA.org. 

In this episode of the IPA's Monthly Government Update podcast, Brian Tate, the IPA's CEO, discusses where the regulatory action will happen throughout the rest of 2026.   He talks about the possibilities for payments legislation in Congress, the CFPB's Unified Agenda, and the changing of the guard at the Bureau.   This podcast was recorded on July 30, 2026. Things may have changed by the time you hear it.   The IPA is holding our Compliance Boot Camp at Discover's Headquarters outside of Chicago on September 10th.  Attendees can learn about topics such as third party compliance, regulation and AI, and what the Roman Senator Cicero can teach today's compliance experts.   Continuing education credits are available to attendees. The Boot Camp has been approved for 9.75 CRCM and 2.5 CERP credits through ABA Professional Certifications, plus up to 7 CLE credits in IL, GA, FL, NY, AL, and TX.  Agenda Preview  Tectonic Shift in Payments - Are Stablecoins Stable?  Rules, Rewrites, and Litigation - Open Banking US Journey  Earned Wage Access is Front and Center  Timeless Rules: What an Ancient Roman Lawyer Can Teach Us About Modern Ethics  Me, You, and AI  Third Party Relationships and Oversight - No Way Out   Bank Charter Expansion: Opportunities and Key Regulatory Considerations  Fight For Your Rights! Why Reg. E Will Always Matter  View the full agenda to see every session and speaker, then register to save your seat. Space is limited, so don't wait to lock in your spot.  ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The Compliance Boot Camp has been approved for 9.75 CRCM and 2.5 CERP credits. This statement is not an endorsement of this program or its sponsor. Certification holders must report these credits at aba.csod.com.  

  In this episode, Brian Tate, the IPA's CEO, about the latest developments in payments regulation out of Washington DC.   We discuss OMB director Russel Vought's testimony in front of Congress, what's next for open banking, and Brian gives his current vibe on the midterm elections.   This podcast was recorded on July 17, 2026. Things may have changed by the time you hear it.   If you want to keep up on developments in payments regulation and innovations in the industry, make sure to subscribe to this podcast and share it with colleagues who might be interested.  The IPA is once again running its Summer of Learning Webinar series including one on the Atlanta Fed's payments research and another how Regulation E applies to stable coins. You can learn more about these events at our Web site, IPA.org.  If you are responsible for compliance, then join us at our Compliance Boot Camp being held at Discover's Headquarters outside of Chicago on September 10th.  Attendees can earn CLE credits and learn about topics such as third-partycompliance, regulation and AI, and what the Roman Senator Cicero can teach today's compliance experts.  

  In the latest episode of the IPA Payments Pod, Ben Jackson talks with Tal Clark, the CEO of Instant Financial, about its recent survey of restaurant workers and their financial health.   The company surveyed all levels of restaurant staff – servers, cooks, and managers – and heard their stories about how they manage their financial lives, and the sacrifices they make to make ends meet.    You can download the full study here: 2026 State of the Industry – Restaurants | Instant Financial  This podcast was recorded on June 24, 2026. Things may have changed by the time you hear it.   Listeners can learn more about the evolving world of payments and the regulations that govern it at the IPA's IPA Payments Policy Briefing being held at the Bancorp's Offices in Sioux Falls, South Dakota on July 9.  Listeners who are responsible for regulatory compliance can build their skills and earn CLEs at the IPA's Compliance Boot Camp being held at Discover's Headquarters outside of Chicago on September 10th.   

In this episode, Brian Tate, the IPA's CEO, discusses the Federal Reserve's proposal for a new kind of payments account, the executive order about bank customer citizenship, and the new California agency that will headed by former CFPB director Rohit Chopra.  This podcast was recorded on May 28, 2026. Things may have changed by the time you hear it.   Listeners can learn more about the world of payments by attending one of our upcoming events, including our IPA Payments Policy Briefing being held at the Bancorp's Offices in Sioux Falls, South Dakota on July 9 and our upcoming Compliance Boot Camp being held at Discover's Headquarters outside of Chicago on September 10th.   If you are interested in closed-loop cards, then join Ben Jackson at the 2026 Education Forum Hosted by the Retail Gift Card Association and Best Buy on June 10th at Best Buy Headquarters in Richfield, Minnesota.  He will be speaking about the role of gift cards in the world of Shopping 3.0 and there will be sessions on the future of the gift card industry with speakers addressing how artificial intelligence will affect the future of shopping, fraud prevention, and the world as a whole. 

  In this episode, Rory Wilson, a consultant with Rebel, and Annalise Czerny, a payments lead for Rebel, talk about how their company works at the intersection of payments and mobility.  They discuss how helping customers pay for getting around, whether by bus, train, or even rental scooters can help issuers build their payments program. They also cover why open-loop payments are an increasing part of fare payments in transit, and how these payments can help with financial inclusion.    This podcast was recorded on May 12, 2026. Things may have changed by the time you hear it.   The IPA plans to have Rebel back as part of our summer of learning webinar series, so be on the look out for future announcements.  In the meantime, if you want to learn more about the world of payments by attending one of our upcoming events, including our IPA Payments Policy Briefing being held at the Bancorp's Offices in Sioux Falls, South Dakota on July 9 and our upcoming Compliance Boot Camp being held at Discover's Headquarters outside of Chicago on September 10th.   If you are interested in closed-loop cards, then join Ben Jackson at the 2026 Education Forum Hosted by the Retail Gift Card Association and Best Buy on June 10th at Best Buy Headquarters in Richfield, Minnesota.  He will be speaking about the role of gift cards in the world of Shopping 3.0 and there will be sessions on the future of the gift card industry with speakers addressing how artificial intelligence will affect the future of shopping, fraud prevention, and the world as a whole.   

  In this episode, Brian Tate, the IPA's CEO, discusses the California Department of Financial Protection and Innovation's recent consent order against Yotta Technologies.   He covers what led up to the order, how it might herald a new age of regulation for Fintechs, and why it shows that companies shouldn't do business with jerks.  This podcast was recorded on May 19, 2026. Things may have changed by the time you hear it.   Listeners can learn more about the world of payments by attending one of our upcoming events:  2026 Education Forum Hosted by the Retail Gift Card Association and Best Buy, June 10, 2026, at Best Buy Headquarters in Richfield, Minnesota  IPA Payments Policy Briefing , July 9, 2026, at Bancorp's Offices in Sioux Falls, South Dakota  Compliance Boot Camp, September 10, 2026, at Discover's Headquarters in Riverwoods, Illinois, on September 10