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The PACE Act of 2026 establishes a federal registration system for payment service providers that currently hold multiple state money transmitter licenses, state depository institution charters, or state credit union charters. Registered providers would be authorized to offer payment services nationwide and must maintain customer reserves on a 1-to-1 basis, comply with recordkeeping and risk management standards, and meet fair access requirements. The bill grants the Comptroller of the Currency authority to evaluate applications based on specified factors including financial resources, compliance capability, and public benefit, with applications deemed approved if not denied within 180 days.
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