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The Clearing House

RTP®, the first new core payments infrastructure in the U.S. in more than 40 years, is live!

The Clearing House launched RTP® in late 2017.  As the first payments system to be built in the U.S. since the birth of the internet, the RTP® system is designed to support not only the transfer of funds, but also the ability to both request payments and provide critical information about a payment.  RTP® meets the objectives of the Federal Reserve Faster Payments Taskforce and is open to all U.S. depository institutions. Learn more.
The Clearing House

As fintech apps become more popular, consumer privacy concerns persist.

A survey conducted by The Clearing House shows one-third of U.S. banking consumers use online and mobile fintech apps to help manage their money. But a majority of them are concerned about data privacy and want more control over the financial data their apps can access. Learn more.

The Clearing House

Registration for The Clearing House + Bank Policy Institute 2018 Annual Conference is open!

Join us for the 2018 TCH + BPI Annual Conference to be held in New York City on November 26-28. This conference, the premier gathering focused on the changing regulatory landscape and the future of payments, brings together senior financial services executives, regulators, policymakers, and academics to address the challenges and opportunities for the industry through a thoughtful and fact-based discussion.  Space is limited; register now.  

Highlights & Events

The Clearing House

TCH Comments on Proposed Change to the Federal Reserve Policy on Payment System Risk

The Clearing House submitted a comment letter to the Federal Reserve in response to a proposed change that would provide for real-time monitoring of all Fedwire fund transfers and the rejection of transfers that exceed Fedwire sender’s net debit cap.

The Clearing House

Cyberthreats and Wholesale Payment Systems

In the 2nd Quarter Edition of the Banking Perspectives journal, TCH’s Alaina Gimbert and Rob Hunter make the case that CPMI’s strategy for improving end-point security raises important issues that will require careful consideration.

The Clearing House

Op-ed: APIs are the way forward for better data security

In an Op-ed published in the American Banker, TCH’s Rob Hunter writes that Capital One’s recent decision to share customer data with third-party services through application programming interfaces (APIs) deserves applause.