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  • CDD is Another Example of the Need for AML Reform

    Greg Baer, President of The Clearing House Association (TCH), today testified before the House Financial Services Subcommittee on Financial Institutions and Consumer Credit.  The hearing focused on the implementation of FinCEN’s customer due diligence rule.

  • Steve Ledford Among Finalists for NACHA Award – Vote Today

    The NACHA Excellence in Payments Award honors superior leadership and accomplishment in the development, implementation or advancement of domestic or international electronic payments. Steve is recognized for his 30+ years in payments leadership, most recently overseeing nearly all aspects of RTP®. The attributes that set Steve apart are his inclusive approach, positive outlook and infectious enthusiasm for what’s next.

  • The Clearing House Announces RTP Advisory Committee

    Today, The Clearing House (TCH) announced it has formed an RTP® Advisory Committee from a diverse set of financial institution stakeholders to obtain input on the operation of its new real-time payments system. The committee is comprised of senior executives from credit unions, community and mid-size banks, and trade associations. The committee is charged with providing perspectives that will help RTP continue to be responsive to all financial institutions and drive adoption of RTP in an effort to achieve the goal of ubiquity by 2020.


  • The Clearing House Offers Recommendations to Improve Stress Testing Transparency

    In a comment letter, filed with the Federal Reserve, The Clearing House highlights the need for significantly greater public transparency into key aspects of the Federal Reserve’s stress testing and capital planning framework and offers three recommendations to improve transparency that aim to ensure stress testing continues to serve its prudential purposes but better promotes economic growth, vibrant capital markets, and the global competitiveness of the U.S. banking system.

  • First New Core Payments System in the U.S. in more than 40 Years Initiates First Live Payments

    The Clearing House (TCH) launched RTP®, its real-time payments system, the first new core payments infrastructure in the U.S. in more than 40 years.  The new RTP system was designed and built through the collaborative effort of TCH’s 25 owner banks and meets the objectives of the Federal Reserve Faster Payments Task Force. RTP is open to all U.S depository institutions with a goal of reaching ubiquity by 2020.

  • Mastercard and The Clearing House Partner on Tokenization Solution

    Today, The Clearing House (TCH) and Mastercard announced they are partnering to enable TCH to provision and manage Mastercard-branded tokens on behalf of banks. The partnership with Mastercard establishes TCH as one of the first Mastercard-certified third-party Token Service Providers to enter the US market, and enables TCH to support current and future token capabilities ranging from mobile payments to remote purchases and Internet-of-things (IoT) transactions.

  • The Clearing House Offers Recommendations for Volcker Rule Reform

    In a comment letter filed on September 21 with the Office of the Comptroller of the Currency, The Clearing House (TCH) made recommendations regarding how to more effectively implement the Volcker Rule to better promote lending, banking services, and vibrant capital markets while still ensuring it meets its objective of reducing risk and enhancing bank safety and soundness by restricting excessive risk-taking activities by banks and their affiliates.

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