Mr. Dhingra is an associate in Davis Polk's Financial Institutions Group. [Full Bio]

It is no secret that the United States lags behind other countries in the development of a national real-time payments infrastructure.[1]  There are, of course, explanations for this lag, including widespread participation in the existing infrastructure rails and the existence of many different stakeholder interests limiting consensus over reforms. 
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The Financial Stability Board (FSB) has a long history of taking the high road in proposing international financial regulatory standards.  Its Key Attributes for Effective Resolution Regimes for Financial Institutions is an excellent example.  That document established high standards for national laws governing the resolution of systemically important financial institutions
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There is no shortage of ideas from the financial sector on how to rebalance financial sector regulation judging by the many reports, white papers and letters that have been sent to Treasury Secretary Mnuchin and his staff. We thought our readers, and perhaps the Treasury staff who must be burning
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