1st Quarter 2016

Banking Perspective

Bank of the Future:                           
The first-quarter issue of Banking Perspective takes a look at the bank of the future and how technological innovation, competition and regulations are shaping the industry.

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Ensuring Consistent Data Security

The Clearing House’s white paper identifies regulatory, enforcement and examination gaps relating to the data security practices of Alternative Payment Providers (APPs) and makes recommendations to close them.
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U.S. GSIB Capital Surcharge Methodology Assessment

The Clearing House's Research Note finds the Federal Reserve's "calibration" of the GSIB capital surcharge includes two material shortcomings.

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Banking Perspective

First Quarter 2016 Issue Examines Innovation and the Bank of the Future

The first-quarter 2016 issue of Banking Perspective examines the future of banking, including regulatory implications for bank innovation, the challenges presented by non-traditional financial technology companies, and what the bank of the future will look like, in terms of size, products, and focus.  Read More



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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

Groundbreaking Deal in Place to Deliver Real-time Payments in the U.S.

TCH and VocaLink have signed a contract to develop a national real-time payment services in the United States. Once complete, the system will be the most comprehensive real-time payment system ever developed.

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Education & Events

  • The Payments Thirty

    Monthly 30-minute training sessions on a variety of topics—stay up-to-date on the payments industry without leaving your desk. Learn more

  • Payments University

    Our two and a half day Payments University is advanced training for the payments professional, delivering practical, advanced payments education and valuable continuing education credits. Learn more

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    TCH Payments Authority Professional Education

    The Clearing House Payments Authority offers a comprehensive curriculum on payments, as well as many supporting publications. See what's available in 2016

  • SIFMA-TCH Prudential Regulation Conference

    This annual conference examines prudential policy issues in today's banking system.  Learn more

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