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1st Quarter 2015

Banking Perspective

The first quarter issue of Banking Perspective focuses on the future of global banking and the contributions of foreign banking organizations to the economy in the United States.

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BUILDING THE FUTURE

U.S. Payment System Recommendations

Our latest working paper, U.S. Payment System: Recommendations for Safe Evolution and Future Improvements, offers four key recommendations on evolving today's payments system.
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NAVIGATING THE ISSUES

The Value of Large Banks

Experts at The Clearing House weigh in with a series of working papers and research studies that contribute to the debate and address common misperceptions about the U.S. banking industry.
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Update:

ADVOCACY

Banking Perspective

First Quarter 2015 Issue Explores The Future of Global Banking

The first quarter 2015 issue of Banking Perspective focuses on foreign banking organizations (FBO) in the United States. A globalized financial system supports global commerce, but regulation is ultimately implemented on a national basis. Increased globalization of commerce continues to be the trend, but the post-crisis financial regulatory architecture may be moving in the opposite direction.

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PAYMENTS

Leadership

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Service and Reliability

The reliability of Clearing House systems and responsiveness to our customers’ needs generate high levels of satisfaction.

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Mobile Payments

America’s leading financial institutions develop a new solution to address safety and soundness of digital payments.

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Liquidity Efficiency

The best of two payments systems: CHIPS combines the liquidity efficiency of a netting system and the intraday finality of a RTGS.

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Remittance Transfers

The Clearing House and SWIFT’s Payment Market Practices group updates the international community on DFA 1073 Remittance Transfer Rule.

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Payments Highlights

TCH Undertakes Effort to Develop a Secure, Real-Time Payment System

TCH and its Owner Banks announce a multi-year effort to build a real-time payments system enabling consumers and businesses to send and receive immediate payments directly from their financial accounts. This ubiquitous real-time system will address unmet customer needs and allow them to initiate payments directly from their bank accounts in a safe and secure manner.

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Education & Events

  • NCP Certification Prep Course

    The National Check Professional™ (NCP) designation recognizes professionals who are proficient in check payment knowledge.
    Learn more

  • ACH Operations Bulletin

    Review NACHA’s latest ACH Operations Bulletin regarding ACH transactions involving Third-Party Senders and other payment intermediaries.
    See the details

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    Payments Association Professional Education

    The Clearing House offers a comprehensive curriculum on payments, as well as many supporting publications. See what's available

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