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Letter from the editors

s the negative impacts of the Great
Recession take a back seat to the desire
to roll back government regulations on
A Capitol Hill, competing interests vie for
votes to either gut the 2010 Dodd-Frank Act, along
with the Durbin Amendment and Consumer Financial
Protection Bureau, or to preserve regulations therein
that were devised to prevent future financial melt-
downs and protect consumer rights.

The Financial CHOICE Act, passed out of the House
Financial Services Committee in May, is endorsed by
those favoring deregulation; it will need to pass the
House and the Senate in some form before it can be
signed into law. Whether Congress will ultimately
agree on an acceptable form of the bill is uncertain.
This issue's lead article discusses the potential impact
of this proposed Act; the pros and cons of the CFPB;
calls for further regulation in the form of a 21st Century
Glass-Steagall Act and a federal data protection act;
and more.
Contributing writers have also offered perspectives on
regulation: one reminded us that our banking system I’m am working hard to help you get all
came close to systemic failure in 2008 and explored
why that occurred and why bank regulation matters your advertisng needs in the right order
to ISOs; another delved into how insurance can help to increase your bottom line today!
payment companies fulfill regulatory requirements,
saving them money in the process. Also deftly
detailed herein by experts are how to position your No Bull
ISO for success right from the start, and how today's
technologies are making the checkout experience far
easier, thereby helping merchants accelerate growth. Customized advertising campaigns

Among the solutions making checkout easier are to fit any size company and budget.
contactless mobile payment options. The growth of
these is highlighted in a feature on schemes developed • Spotlight Innovators’ Pages
by original equipment manufacturers, the prominent (frequently updated content)
solutions being Apple Pay, Samsung Pay and Android
Pay. • Print (various size options)
• Resource Guide listing
Our news briefs also touch on regulation, reporting
on the CFPB's delay of prepaid rules implementation (print/online/front page (option))
and its request for input on small business lending,
as well as renewed debate among legislators on the • Email Blasts (to GS readership)
Marketplace Fairness Act. Other stories address • Online (website/twice month newsletter)
efforts to boost data security by the Federal Trade
Commission, by a combined IBM-Verizon initiative, • Video
and by the recently hacked Chipotle. Other stories
include major steps taken by First Data and Alipay, • Bundle advertisng campaign discounts*
Sage Group, and PayPal.

In addition, we present herein company and product Danielle Thorpe
profiles and news of milestones reported by members
of the thriving payments community. What news do AVP Media Partnerships
you have to share? Tell us at greensheet@greensheet.com.
And please continue to send your press releases to 707-284-1686
press@greensheet.com.

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