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Recent Trends in Consumer Retail Payment Services Delivered by Depository Institutions

Published Jan 16, 2014Updated Jun 21, 2025

The Congressional Research Service is a nonpartisan policy and legal analysis arm of the Library of Congress. CRS reports are written for members of Congress and their staff, not the public — but they’re made available openly through Congress.gov.

Recent Trends in Consumer Retail Payment Services Delivered by Depository Institutions — Informed