An Introduction to Real-Time Payments
Ballard Spahr attorneys Judy Mok and Amy Schwartz join for a conversation led by CFS Practice Leader Alan Kaplinsky. After discussing what real-time payments are and how they differ from fast payments, we look at the benefits of RTPs and potential for fraud, issues arising from the Fed’s plans to launch a RTP service, the laws and rules applicable to RTPs and how they bear on loss allocation, the pandemic’s effect on RTPs, and our expectations for the use of RTPs and the impact on fast payments generally.
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