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    <description>NUV Media covers payments, including Payments, Banking and Innovation, with clear reporting, context, and practical guides.</description>
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      <title>What Interchange Fees Actually Are — and Who Ends Up Paying Them</title>
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      <description><![CDATA[Interchange is the fee a merchant's bank pays the cardholder's bank on every card sale, set by network schedules and capped only for large-bank debit. Here is how the money moves.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:56:18 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Payments</category>
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      <title>How Chargebacks Work — and What Merchants Can Actually Contest</title>
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      <description><![CDATA[Chargebacks reverse card sales at the issuer's hand and give merchants a narrow evidence window to fight back. Here is how the process runs and what evidence wins.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:17 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>CFPB&apos;s Regulation E Gives Banks a 10-to-45-Day Error Clock</title>
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      <description><![CDATA[Under 12 CFR 1005.11, a financial institution has 10 business days to investigate a disputed electronic transfer, or must provisionally credit the account and take up to 45 days, with the window stretching to 90 days for new accounts, point-of-sale debit disputes, and foreign-initiated transfers.]]></description>
      <pubDate>Sun, 23 Aug 2026 08:47:53 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Finance News</category>
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      <title>What Regulation E Requires Banks To Do After an Unauthorized Transfer</title>
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      <description><![CDATA[Federal rules cap most consumer liability at $50 and give financial institutions a 10-business-day clock to investigate, with narrow exceptions stretching to 45 or 90 days.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:47:52 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
      <category>Innovation</category>
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      <title>How Regulation II Caps Debit Interchange Fees at 21 Cents</title>
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      <description><![CDATA[The Federal Reserve's Regulation II limits what banks with $10 billion or more in assets can charge merchants per debit swipe, and the gap between covered and exempt issuers now runs to 28 cents a transaction.]]></description>
      <pubDate>Thu, 20 Aug 2026 08:47:51 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Payments</category>
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      <title>How a Card Chargeback Moves From Dispute to Final Decision</title>
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      <description><![CDATA[A chargeback pulls funds back from a merchant's account before any human at the business sees a complaint, and the clock the merchant is racing starts the moment the acquirer sends notice, not the moment the cardholder called.]]></description>
      <pubDate>Tue, 18 Aug 2026 08:47:50 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Network Tokenization Explained: How Visa and Mastercard Replace Card Numbers</title>
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      <description><![CDATA[Card networks now route most card-on-file and mobile transactions through a substitute number called a network token, and issuers say the swap measurably cuts fraud and failed payments.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:47:49 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
      <category>Innovation</category>
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      <title>Federal Reserve&apos;s Regulation II Caps Debit Interchange At 21 Cents</title>
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      <description><![CDATA[Regulation II has bound large-bank debit interchange to 21 cents plus 5 basis points of transaction value since October 2011, with a fraud-prevention add-on and a size threshold that keeps smaller issuers outside the cap.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:47:48 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>How FedNow Settles Instant Payments in Master Accounts, Now Capped at $10 Million</title>
      <link>https://nuvmedia.com/fintech-news/how-fednow-settles-instant-payments-in-master-accounts-now-capped-at-10-million-8294c4e1.html</link>
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      <description><![CDATA[The Federal Reserve's instant rail settles in central bank money around the clock, with network limits raised to $10 million effective November 12, 2025.]]></description>
      <pubDate>Thu, 13 Aug 2026 08:47:47 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>Federal Reserve Caps Debit Interchange At 21 Cents Plus Fraud Fee</title>
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      <description><![CDATA[Regulation II limits what large debit card issuers can collect on a swipe to a formula set in 2011 that the Fed proposed lowering in 2023 but has not changed in the current rule text.]]></description>
      <pubDate>Wed, 12 Aug 2026 08:47:46 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Finance News</category>
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      <title>How Agentic Commerce Would Let AI Agents Pay for You</title>
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      <description><![CDATA[Agentic commerce explained: AP2, ACP, x402 and MPP protocols, signed mandates and scoped tokens for AI agent payments.]]></description>
      <pubDate>Mon, 10 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
      <category>Innovation</category>
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      <title>CFPB Finalizes Section 1033 Open-Banking Rule With Compliance Starting in 2026</title>
      <link>https://nuvmedia.com/finance-news/cfpb-open-banking-rule-1033-what-banks-must-do-3.html</link>
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      <description><![CDATA[The CFPB's Section 1033 rule requires large banks to share customer data with authorized third parties from April 2026. Here are the deadlines, duties, and open questions.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:56:16 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Finance News</category>
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      <title>Federal Reserve Lifts FedNow&apos;s Transaction Cap to $10 Million</title>
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      <description><![CDATA[The Federal Reserve raised the per-transaction ceiling on its FedNow instant payment rail tenfold, effective January 1, 2026, clearing the way for larger business and government transfers over the network.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:47:45 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
      <category>Banking</category>
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      <title>Q2 2026 Bank Earnings Wrap: JPMorgan Posts Record $21.2 Billion</title>
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      <description><![CDATA[Q2 2026 bank earnings: JPMorgan's record $21.2 billion net income, NII up 10% to $25.6 billion, Markets revenue up 35%, reserves stable.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Finance News</category>
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      <title>What PCI DSS 4.0 Now Requires From Merchants After March 2025</title>
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      <description><![CDATA[What PCI DSS 4.0 requires from merchants now: script integrity, tamper detection, MFA expansion and SAQ paths after the March 31, 2025 activation.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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      <title>How Overdraft Fees Work and What Changed Since Banks Cut Them</title>
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      <description><![CDATA[How overdraft fees work: the 2010 opt-in rule, banks' voluntary cuts since 2022, the repealed CFPB cap, and current fee levels per Bankrate data.]]></description>
      <pubDate>Mon, 27 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
      <category>Banking</category>
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      <title>Credit Card Competition Act Returns in 2026 With Presidential Backing</title>
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      <description><![CDATA[The Credit Card Competition Act of 2026: reintroduced January 13 with Trump's backing, still in Senate committee — what the routing bill would change.]]></description>
      <pubDate>Thu, 23 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Payments</category>
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      <title>How AI Underwriting Is Changing Credit Decisions at U.S. Banks</title>
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      <description><![CDATA[AI underwriting at U.S. banks: ML credit models, cash-flow data, ECOA adverse action rules, CFPB circulars and SR 11-7 model governance.]]></description>
      <pubDate>Sat, 18 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Innovation</category>
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      <title>Treasury Yields July 2026: What Moved the 10-Year to 4.48%</title>
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      <description><![CDATA[The 10-year Treasury yield climbed to 4.48% by July 13, 2026 before easing to 4.44% on the June CPI day - drivers, data and the long-end selloff.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Finance News</category>
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      <title>Visa, Mastercard and Stripe Reportedly Back New Stablecoin Platform</title>
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      <description><![CDATA[Visa, Mastercard and Stripe reportedly back a new stablecoin platform, per CoinDesk via PYMNTS, June 3, 2026; no company has confirmed the project.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Fintech News</category>
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