{"id":3747556,"date":"2026-05-19T21:41:23","date_gmt":"2026-05-20T01:41:23","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3747556"},"modified":"2026-05-19T21:41:23","modified_gmt":"2026-05-20T01:41:23","slug":"white-house-pushes-fintech-access-to-payment-rails","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/news\/regulation\/2026\/white-house-pushes-fintech-access-to-payment-rails\/","title":{"rendered":"White House Pushes FinTech Access to Payment Rails"},"content":{"rendered":"<p>The White House is pushing federal financial regulators to take a fresh look at the rules that shape how FinTechs work with banks, payment systems and the broader financial services sector.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p 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href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3747556\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/news\/regulation\/2026\/white-house-pushes-fintech-access-to-payment-rails\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"65\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p><a href=\"https:\/\/www.whitehouse.gov\/fact-sheets\/2026\/05\/fact-sheet-president-donald-j-trump-integrates-financial-technology-innovation-into-regulatory-frameworks\/?utm_source=Financial+Technology+Association&amp;utm_campaign=641a1b3049-EMAIL_CAMPAIGN_2024_02_01_09_34_COPY_01&amp;utm_medium=email&amp;utm_term=0_-1e95f9f064-497612546\">President Trump signed an executive order Tuesday (May 19)<\/a> directing federal regulators to review existing regulations, guidance, supervisory practices and application processes that may be updated to encourage financial innovation and competition, while maintaining safety and soundness, according to a White House fact sheet.<\/p>\n<p>The order is aimed at the regulatory plumbing behind modern financial services. It calls on federal regulators to identify rules that could be changed to support the growth of FinTech firms and federally regulated financial institutions of all sizes. It also asks the Federal Reserve to evaluate the legal and policy framework governing access to Reserve Bank payment accounts and payment services by uninsured depository institutions and nonbank financial companies.<\/p>\n<p>That piece could draw close attention from payments companies. Direct or expanded access to Federal Reserve payment services has long been a major issue for nonbank FinTechs, which often rely on banks to connect to core payment rails. The White House fact sheet says the Fed should report on its legal authority to extend such access, options for expanding access with risk controls, and any legal barriers that would need legislative or regulatory changes.<\/p>\n<p>The order also frames third-party risk management and legacy financial rules as areas that may need modernization as more banking, payments, brokerage, securities and custodial services move through digital channels.<\/p>\n<p>\u201cOther financial regulations, guidance, and policies are relics of a time when financial services were predominately provided in brick-and-mortar-centric settings and must be updated to reflect the modern age, the digital economy, and the benefits that technology can offer to all Americans, including lowering costs of financial services,\u201d the White House said in the fact sheet.<\/p><div id=\"pymnt-3337257476\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>PYMNTS has tracked how regulation, digital assets and payment rails are converging across financial services. Recent coverage examined how a White House crypto report said\u00a0<a href=\"https:\/\/www.pymnts.com\/cryptocurrency\/2025\/white-house-crypto-report-says-stablecoins-necessary-for-dollar-dominance\/\">stablecoins could help keep the dollar dominant<\/a>\u00a0and how the GENIUS Act\u2019s Senate passage put\u00a0<a href=\"https:\/\/www.pymnts.com\/cryptocurrency\/2025\/u-s-senate-passes-genius-act-stablecoin-regulations-in-crypto-first\/\">stablecoin regulation closer to becoming federal law<\/a>. PYMNTS has also reported on how banks are navigating the\u00a0<a href=\"https:\/\/www.pymnts.com\/news\/banking\/2025\/nearly-half-over-2025-is-already-a-watershed-year-for-banks\/\">digital asset boom and regulatory shift<\/a>\u00a0as crypto, stablecoins and payment modernization move further into mainstream finance.<\/p>\n<p>&nbsp;<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3747556;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>The White House is pushing federal financial regulators to take a fresh look at the rules that shape how FinTechs work with banks, payment systems and the broader financial services sector. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3747575,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[4028],"tags":[13297,4997,7617,9206,133069,5299],"class_list":["post-3747556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulation","tag-bank-regulation","tag-federal-reserve","tag-fintech","tag-news","tag-pymnts-news","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>White House 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