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Consumer Spending Lifts Q3 GDP, but Savings Rates Are Pressured
Consumer Spending Lifts Q3 GDP, but Savings Rates Are Pressured
December 19, 2024  |  Economy

In the latest and final revision of how the economy fared in the third quarter — through the growth in gross domestic product — the...

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Small Businesses Captured Outsized Gains From 2024’s Payments Innovations
Small Businesses Captured Outsized Gains From 2024’s Payments Innovations
December 19, 2024  |  SMBs

Payments innovations impacted small- to medium-sized businesses (SMBs) in 2024. For years, SMBs lagged behind larger enterprises in adopting digital payment solutions, hindered by limited...

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Capital One: Delaware’s Approval Moves Discover Acquisition Closer to Completion
Capital One: Delaware’s Approval Moves Discover Acquisition Closer to Completion
December 19, 2024  |  Acquisitions

Capital One said Thursday (Dec. 19) that its previously announced acquisition of Discover Financial Services has moved another step toward completion by receiving approval from...

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Regulators Eye Interest Rates as Retail-Branded Cards Gain Traction
Regulators Eye Interest Rates as Retail-Branded Cards Gain Traction
December 18, 2024  |  Credit Cards

More than a quarter of consumers own a store card, defined as a card that exclusively features a retailer’s branding. While co-branded cards can be...

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New Zealand’s Commerce Commission Proposes Cutting Merchant Card Fees
New Zealand’s Commerce Commission Proposes Cutting Merchant Card Fees
December 18, 2024  |  Regulation

New Zealand’s Commerce Commission has proposed reducing the fees the country’s businesses pay for accepting Mastercard and Visa payments. The Commission issued its draft decision...

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Inflation Pushes Consumers to Seek Everyday Value From Credit Card Rewards
Inflation Pushes Consumers to Seek Everyday Value From Credit Card Rewards
December 18, 2024  |  Credit Cards

Rewards are among the key determinants in how consumers choose — and use — credit cards. In the PYMNTS Intelligence report “The Role of Rewards...

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CFPB Reports ‘Dramatic’ Increase in Complaints About Card Rewards
CFPB Reports ‘Dramatic’ Increase in Complaints About Card Rewards
December 18, 2024  |  CFPB

America’s leading consumer finance watchdog is warning credit card companies not to devalue rewards points. The Consumer Financial Protection Bureau (CFPB) issued a policy circular Wednesday (Dec. 18) arguing...

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November Issuer Data Extends Trend of Rising Credit Card Charge-Offs
November Issuer Data Extends Trend of Rising Credit Card Charge-Offs
December 17, 2024  |  Consumer Finance

Securities and Exchange Commission (SEC) filings from several card issuers offer up a mixed portrait of the U.S. consumer in November. Delinquency rates were lumpy,...

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ABA Urges Fed to Withdraw Proposed Debit Interchange Fee Cap
ABA Urges Fed to Withdraw Proposed Debit Interchange Fee Cap
December 16, 2024  |  Bank Regulation

The American Bankers Association (ABA) said the proposed amendments to Regulation II that would cap debit card interchange fees are “fundamentally flawed and should not...

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