there&#x27;s also the problem that it&#x27;s a bit vague as to who can actually enforce faster payments. The effort is currently led by the FED, but they technically don&#x27;t have enforcement power, the CFPB could do something but that&#x27;d be a bit of a stretch.<p>Additionally, the large banks are trying to influence the rules and requirements; for example, clearXchange + early warning system merging under a (large) bank consortium