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Author:Hwang, Byoung Hwa 

Discussion Paper
Pay-by-Bank and the Merchant Payments Use Case: Benefits, risks and potential impacts on consumer payment behaviors in the U.S.

The consumer payments landscape is rapidly evolving. In the United States, the growth of instant payments and innovations such as open banking are among the many developments shaping today's consumer payment behaviors.
FEDS Notes , Paper 2025-07-07-2

Discussion Paper
Lessons from the History of the U.S. Regulatory Perimeter

Banking organizations in the United States have long been subject to two broad categories of regulatory standards. The first is permissive: a "positive" grant of rights and privileges, typically via a charter for a corporate entity, to engage in the business of banking.
FEDS Notes , Paper 2021-10-15-1

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