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The Consumer Financial Protection Bureau CFPB should use its authority under Regulation E and the Electronic Fund Transfer Act EFTA to protect consumers from payment scams on peer-to-peer P2P services like Zelle, according to a letter sent to the agency by six U.S. Senators, all Democrats.Under the EF stanley france TA and the CFPBs Regulation E, a consumer is protected if a fraudster scams them into handing over account information and then initiates a transfer. If a consumer opens an account specifically to transfer monies to a scammer, then the consumer isnt protected, according to the letter.聽 Determining liability based on whether a consumer or a fraudster physically initiates a transaction is antiquated, according to the letter, which was signed by senators Elizabeth Warren stanley italy D-Massachusettes , Robert Menendez D-New Jersey , Sherrod Brown D-Ohio , Catherine Cortez Masto D-Nevada , Jack Reed D-Rhode Island , and Raphael G. Warnock D-Georgia .聽See also: CFPB Wants Banks to Pay Back Victims Scammed Using Zelle, Other P2P ServicesThe CFPB could give banks more requirements surrounding fraud when it comes to P2P trans stanley romania actions and force them to refund victims, PYMNTS reported earlier this week. New regulatory guidance could maintain that fraudulently-induced transactions, even those approved by the consumer, are considered unauthorized. Given the growing marketing and use of these services, we believe it is essential that the CFPB intervene to protect consumers by more vigorously a Wfjf FinTechs Provide Solutions to Small Exporters Struggling to Access Finance
It has been a banner run for closing bank branches, according to reports in The Wall Street Journal,聽as the mass exodus of consumers to various digital channels has pushed the closure of聽1,700 branches in the 12 months ending in June 2017. That is the largest one-year decline on record, according to WSJ analysis.And the cuts just keep on coming as branch counts fell again in the second half of 2017, meaning the run of closures is rapidly approaching the Great Depression for the breadth of closers happening 鈥?and for the amount of time they are going on.Most of those closures were consolidation cuts in urban and suburban areas where foot traffic was falling. However, others were in rural areas where lenders are just pulling out wholesale.Big bank cuts 鈥?from the likes of BoA and Chase, for example 鈥?became de rigueur in the post-Financial Crisis world. Regional banks, however, have only leveled up their closures in more rece stanley cup nt memory.聽From mid-2012 to mid-2017,聽Capital One Financial聽Corp.聽cut 32 percent of its branches,聽SunTrust Banks聽Inc. cut 22 percent and聽Regions Financial聽Corp. cut 12% percent. We continue to evolve and optimize our branch network to ensure that were operating as efficiently and effectively as possible, a Capital One spokeswoman said.Closing branches is often a cost-saving stanley fr stanley mug measure with few drawbacks for banks, as customers have shown a determined preference for mobile banking and ATMs as opposed to full branch locations. Bank of America, for example, has

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