In the News

• CHIPS® Delivers Record Value and Resilience for Participants in 2025

  April 07, 2026

  For participating banks and their clients, the value of the CHIPS liquidity algorithm extends beyond its 26:1 liquidity ratio. By sharply reducing the amount of required prefunding to support high-value payment activity, the CHIPS network frees up capital for participants that can be redeployed into higher-yielding lending, investment, and client activity.

• Cash Flow Needs from Consumers and Businesses Drive New RTP® Network Volume and Value Records

  February 25, 2026

  The RTP network sets a daily record of over 2 million transactions, while also setting a separate single-day record of $8.36 billion in payments.

• Banks Caution Against Relaxing Standards for Fed Account Access to Preserve Financial Stability

  February 09, 2026

  In response to the Federal Reserve’s RFI on “skinny master accounts,” three banking trade groups warned that that granting direct access to the Fed’s payment infrastructure to lesser-regulated institutions could undermine financial stability.

• A November to Remember: The Clearing House Networks Shatter Records as Digital Payments Surge Nationwide

  December 04, 2025

  The Clearing House’s CHIPS®, EPN®, and RTP® networks delivered record-breaking performance in November, highlighting rapid growth in U.S. digital payments, and underscoring the benefits banks gain from utilizing the company’s efficient, resilient, and modern payment systems. 

• Banks Submit Recommendations on Treasury’s Implementation of the GENIUS Act

  November 05, 2025

  Multiple banking trade groups responded to a U.S. Department of the Treasury Advance Notice of Proposed Rulemaking on its implementation of the GENIUS Act.

• 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.

• 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.