The 114th Congress may not be drumming up legislation as far reaching as the 2010 Dodd-Frank Act, but that doesn't mean it is ignoring issues that affect the payments realm. The Consumer Financial Protection Bureau's autonomy is in the crosshairs, as is banking for marijuana dispensaries. And certain congressional efforts to bolster cyber security have tech companies and consumer groups up in arms. These topics, and more, are explored in this issue's lead article.
The prepaid realm, as it pertains to college student debit and prepaid cards, is also under scrutiny by the U.S. Department of Education, which introduced two regulatory packages to protect college students with campus debit and prepaid cards from excessive fees and payments that exceed 10 percent of a borrower's income. This is discussed in one of several feature articles herein.
Also in features are explorations of the ways in which gift and loyalty programs have transformed from punch cards to mag stripe cards that are now starting to be replaced by programs driven by mobile technologies; industry analysts' observations of the post-EMV liability shift POS world; and ways in which the mobile search engine market is heating up.
Contributing writers, who faithfully add so much informed commentary to our publication, delved into why it makes sense to devote resources to tradeshow attendance and how to select and plan ahead for the right shows to derive maximum benefit from the opportunities such shows provide; why it's critical for industry professionals to have an excellent grasp of payment security and how it works in new technologies; the use of automatic electronic payments to make it easier for borrowers to stay on top of regular periodic payments; and provisions of existing ISO and MLS contracts that affect portfolio valuations.
In the news, are reports on the recent Money 20/20, Western States Acquirers Association and RemoteDepositCapture.com conferences; plans for creating a real-time payment system for consumers and businesses, alike; litigation in progress in the ISO realm; and the demise of Amazon Register, which will be terminated on Feb. 1, 2016.
In addition, we've included in-depth new product stories and tips on financial management, as well as the latest updates pertaining to payment business milestones. We want to include your company news, as well. Please send your press releases to press@greensheet.com, and tell us what industry developments you'd like us to address in upcoming issues at greensheet@greensheet.com. 
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