Payments

Letters and Testimonies

Letters to Congress

Title	Recipient	Date
Joint Letter Asking Congress to Fix GENIUS Act Flaw		08/13/25
Letter to House Leaders on Digital Assets Legislation		07/14/25
Letter to House on Stablecoin Legislation		06/23/25
Joint Trades Opposition Letter to Credit Card Rate Cap Amendment		05/21/25
Joint Trades Letter to Congress on Credit Card Competition Act Amendment		05/21/25
ICBA Letter to Senate Ahead of GENIUS Act Stablecoin Vote	U.S. Senate	05/16/25
ICBA Letter on April 2 House Financial Services Committee Markup	House Financial Services Committee	04/01/25
Statement for the Record of Digital Assets Hearing		02/26/25
Statement for Digital Assets Hearing		02/11/25
Joint Trades Opposition Letter to 10 Percent Credit Card Interest Rate Cap Act		02/05/25
Joint Letter Supporting Senate Secure Payments Act of 2024	Sen. Ted Budd	06/19/24
ICBA Letter Supporting HR 5403	U.S. House of Representatives	05/21/24
Joint Trades Letter Opposing Credit Card Price Control Bill	Sen. Josh Hawley	09/20/23
Letter on CBDC Bills Ahead of House Markup	House Financial Services Committee	09/19/23
ICBA Letter on House Stablecoin Legislation Ahead of Markup	House Financial Services Committee	07/19/23
Joint Financial Sector Letter Opposing Credit Card Routing Bill	House, Senate Leaders	07/14/23
State Association Joint Letter Opposing Credit Card Competition Act	House, Senate	07/11/23
ICBA Letter on Revised House Stablecoin Draft Bill	House Financial Services Committee	06/13/23
Joint Letter Opposing Reintroduction of Credit Card Competition Act	Senate, House leaders	06/09/23
Letter on Revised Stablecoin Draft Legislation	House Financial Services Committee	05/05/23
Letter Offering Community Bank Perspective on Stablecoin Legislation	House Financial Services Committee	04/19/23
Support for House Central Bank Digital Currency Anti-Surveillance State Act	Rep. Tom Emmer	03/08/23
Letter on ICBA Lame Duck Agenda	Senate, House	11/17/22
State Letter Opposing Credit Card Competition Act	House, Senate	10/11/22
Joint Letter Opposing Marshall-Durbin NDAA Amendments	Senate	10/04/22
Joint Letter on Credit Card Competition Act	House	09/27/22
Letter Opposing House Interchange Bill	House	09/21/22
ICBA Letter Opposing Credit Card Competition Act	Senate	08/31/22
Letter on Stablecoin Legislation	House Financial Services Committee	07/22/22
Joint State Trades Letter to the Senate Judiciary Committe Interchange Hearing	Senate Judiciary Committee	05/04/22
Joint Letter for Senate Interchange Hearing	Senate Judiciary Committee	05/02/22
Support for Senate CBDC, FedAccount Bill	Sens. Cruz, Braun, Grassley	04/04/22
Support for House CBDC, FedAccount Bill	Rep. Tom Emmer	04/04/22
Joint Trades Credit Interchange Cap Letter	Congress	07/27/21
Hill Payments Charter Letter	116th Congress	10/15/20
Hill Payments Charter Letter 9.29	U.S. House Task Force on Financial Technology	09/29/20

Letters to Regulators

Title	Recipient	Date
Letter on Reducing the 30/10 Spread		10/20/25
Letter in Response to RFI on Detecting Illicit Activity Involving Digital Assets		10/17/25
Joint Trades Genius Act ANPR Extension Request		09/24/25
Letter Opposing Circle’s Application for a National Trust Bank Charter		07/30/25
Comment Letter on Modernizing Payments		06/30/25
Letter to Nacha on International ACH Transactions		05/30/25
Letter to Nacha on ACH Proposals		12/16/24
Letter urging CFPB to clarify Regulation Z interpretive rule on Buy Now, Pay Later Loans	Consumer Financial Protection Bureau	08/01/24
Request for 90-Day Comment Extension on Expanding Fedwire		06/11/24
ICBA Comments on Reg II Debit Card Interchange Proposal	Federal Reserve	05/11/24

Testimony

Title	Committee	Presenter	Date
ICBA Statement for STABLE Act Markup	House Financial Services Committee	Written Statement	04/01/25
Community Bank Statement for GENIUS Act Markup	Senate Banking Committee	Written Statement	03/12/25
Statement for House Hearing on Central Bank Digital Currency Risks	House Subcommittee on Digital Assets, Financial Technology and Inclusion	Written Statement	09/13/23
Effective Regulation of Crypto Assets	Senate Banking Committee	Written Statement	02/13/23
Statement for Senate Crypto Hearing	Senate Banking Committee	Written Statement	07/28/22
Hearing Statement on Central Bank Digital Currency	House Financial Services Committee	Written statement	05/25/22
Enhanced Regulation of Digital Assets Will Promote Responsible Innovation	Senate Banking Hearing		02/15/22
Statement for House Hearing on Stablecoins	House Financial Services Committee	Written statement	02/08/22
Statement for Senate Stablecoin Hearing	Senate Banking Committee	Written Statement	12/14/21
Statement for House Hearing on Digital Assets	House Financial Services Committee	Written statement	12/07/21
ICBA Statement for HFSC Fintech Hearing 9-29-2020	HSFC		09/29/20