Payments and Fintech Law Tracker

Money transmission, card fee and earned wage access bills from every state, in one monthly report.

A monthly report on state and federal payments bills, for money transmitters, processors, fintechs and the merchants who take cards.

For money transmitters, payment processors, fintechs, card issuers, crypto kiosk operators, merchants and their compliance teams.

Monthly report, free by email.

Each issue

What moved this month in each state and in Congress, and what was signed.
Bills grouped by topic, so an EWA provider can read wage access and skip crypto kiosks.
A short plain-language summary of each bill that moved.
What to watch next month.

Money transmission and licensing: Model law adoption, check cashers, net worth and bonds, remittance fees and taxes.
Virtual currency and crypto kiosks: Digital asset licensing, stablecoins, kiosk limits, refunds and fraud warnings.
Card surcharges and payment fees: Surcharge caps, cash discounts, convenience fees and cash acceptance.
Interchange and card networks: Swipe fees on sales tax and tips, routing, issuer rate caps and firearm merchant codes.
Earned wage access: Provider licensing, fees and tips, and whether wage access is credit.
BNPL and bank partnerships: Buy now, pay later licensing, true lender rules and rate exportation.
Prepaid, gift cards and P2P: Gift card terms, prepaid accounts, P2P apps and payment processors.
Payment fraud and scams: Liability for scam transfers, gift card fraud and kiosk scams.

Tracker scopes are model-drafted, not attorney-reviewed. The report covers legislation: bills and how they move.