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Expanded Adoption of The Clearing House Token Service Strengthens Bank Account Security and Promotes Open Banking

October 20, 2025

The Token Service is a next-generation bank account tokenization solution designed to protect the information associated with bank account numbers and help mitigate risks associated with fraud and data breaches across the financial ecosystem.
The Clearing House Association and BPI Urge Treasury to Modernize AML Rules for the Digital Age

October 17, 2025

The Bank Policy Institute and The Clearing House Association today issued recommendations to the U.S. Department of the Treasury as part of Treasury’s request for information to modernize the Bank Secrecy Act.
RTP® Network Sets New Single-Day Record with 1.8 Million Transactions

October 16, 2025

The Clearing House’s RTP® network hit a new single-day milestone, processing 1.8 million instant payments valued at $5.2 billion, underscoring accelerating nationwide adoption of real-time payments.
RTP® Network Hits $481 Billion in Q2 as Higher-Value Instant Payments Surge

July 17, 2025

Payment value on the RTP® network increased 195% in Q2, as businesses and financial institutions embrace larger, faster transactions.
Bank Groups Call for Swift, Secure Transition as Treasury Phases Out Paper Checks

July 01, 2025

The Bank Policy Institute, The Clearing House Association and the Consumer Bankers Association submitted joint comments to the U.S. Department of the Treasury urging prompt action to fully transition to secure, modern electronic payment methods and minimize the use of checks.
The Clearing House’s ACH Network Continues Multiyear Growth Trend

March 31, 2025

The EPN^® network grew 6.2% in 2024, processing $56.4 trillion across 20.7 billion transactions, as businesses and consumers continue to favor electronic payments.
Financial Institutions Support Administration’s Effort to Maintain U.S. Leadership in Digital Assets

February 20, 2025

Leading financial services trade associations voiced strong support today for the goals of the President’s Working Group on Digital Asset Markets.
CHIPS® Liquidity Algorithm Unlocks Over $5 Billion in Annual Savings, Delivering Efficiency to the Global Financial Market

February 17, 2025

The patented liquidity savings algorithm on the CHIPS^® network provided $321 billion in daily liquidity savings to participating banks in 2024.
BNY Sends Largest Instant Payment in U.S. History, $10 Million Following Transaction Limit Increase

February 10, 2025

As businesses increasingly demand faster, more secure, and transparent payment solutions, advancements in real-time payment capabilities are transforming how companies manage liquidity and streamline operations.
RTP® Network Doubles Volume in 18 Months, Surpassing 1 Billion Transactions and Driving U.S. Payment Innovation

February 03, 2025

The exponential acceleration of instant payments on the RTP^® network redefines how money moves across the United States.
Skyrocketing RTP® Network Growth Sets Stage for 2025

January 08, 2025

More than $246 billion moved over the RTP^® network in 2024, up a whopping 94% from 2023, while transaction volume jumped 38% to 343 million.
Higher $10 Million RTP® Network Transaction Limit Empowers New Uses

December 04, 2024

Businesses and financial institutions support the increase of RTP^® network transaction limits to enable instant payments for higher value transactions in real estate, supply chain, inter-company transfers, large merchant settlements, and other business-to-business transactions.
CHIPS® Celebrates Black Friday by Smashing Payments Record

December 02, 2024

CHIPS cleared and settled 1,083,550 payments valued at $2.63 trillion, setting a new daily volume record.
America Loves Instant Payments, as New RTP® Network Records Show

November 12, 2024

Consumer and businesses are getting paid faster each day, to the tune of a record 31.7 million transactions in October – averaging 1 million payments per day – exclusively on the RTP^® network, the largest instant payment system in the United States that serves a growing and diverse corporate and consumer user base.
Regulators Should Take the Reins on Fintech Oversight

October 31, 2024

BPI and TCH Submit Comments to Prudential Regulators on Bank-Fintech Arrangements
BPI and TCH Seek to Intervene in Corner Post Case Challenging Debit Interchange Limits

October 16, 2024

The Bank Policy Institute and The Clearing House Association filed a motion to intervene today in Corner Post, Inc. v. Board of Governors of the Federal Reserve System.
Banks Urge CFPB to Extend Compliance Period for Consumer Financial Data Rule

July 17, 2024

In a joint letter, four banking trade associations sent a letter to the Consumer Financial Protection Bureau calling for the Bureau to extend the compliance deadline for its forthcoming rule governing consumer financial data known as Section 1033.
RTP® Network Has Billion Dollar Day

July 10, 2024

The RTP® network, the real-time payment system that powers a growing and diverse corporate and consumer user base, set new records in Q2, including a notable $1 billion in payments in a single day.
Correcting the Record on the Electronic Fund Transfer Act

May 30, 2024

American Bankers Association, Bank Policy Institute, New York Bankers Association, and The Clearing House respond to the CFPB's legally dubious claim.
Federal Reserve’s Flawed Debit Card Proposal Harms Banks, Credit Unions and Consumers

May 10, 2024

America’s banks and credit unions unanimously oppose Regulation II proposal
MUFG and Crédit Agricole Corporate & Investment Bank Complete First Payment in the ISO 20022 Format on CHIPS® Network

April 17, 2024

The two participants completed the first CHIPS ISO 20022-formatted transaction after the network successfully migrated to the ISO 20022 message format for the April 8 banking day.
CHIPS® Network Successfully Migrates to ISO 20022 Message Format

April 10, 2024

The CHIPS network cleared and settled $1.81 trillion during the first day of operations on the ISO 20022 global standard message format.
RTP® Network Breaks Instant Payments Records

April 04, 2024

The RTP^® network is ensuring no one has to wait for their money, especially in 2024. The RTP system, which gives access to account holders’ money immediately, has set new records in Q1 including overall volume and value, a record volume month, and the most transactions in a single day.
CHIPS Liquidity Algorithm Saves Financial Industry Billions

April 02, 2024

Financial institution participants on CHIPS benefit from enhanced liquidity efficiency that saves the industry almost $14 million per day.
Growing Volumes on The Clearing House’s ACH Network Lead to Impressive Upward Trajectory

March 12, 2024

Transaction volume on EPN^®, the ACH network from The Clearing House, grew 8% in 2023, outpacing the broader ACH market and continuing impressive yearly growth. In 2023, EPN processed over 19 billion transactions worth $52.4 trillion.

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