The documents in this library are publicly available on the websites of the relevant organisations. They are brought together here for convenience and easy access.
A searchable list of the documents by Publication Date can be found HERE.
Access to Cash Review

Access to Cash Panel - Response to HMT Call for Evidence - Nov 2020

Access to Cash Review - Final Report - March 2019

Access to Cash Review - Is Britain Ready to go Cashless

Access to Cash Review - Call for Evidence - July 2018
APP Scams Steering Group

APPSSG - Contingent Reimbursement Model Code for APP Scams - Feb 2019

APPSSG - Draft Contingent Reimbursement Model Code Consultation - Sep 2018
Australian Payments Network (formerly Australian Payments Clearing Association)

APN - Annual Review - Framing the Next Generation of Payments - Oct 2018

APN - Australian Payments Fraud Details and Data 2017 - Aug 2017

APCA - Australian Payments Fraud - Details and Data 2016 - Aug 2016

APCA - Annual Review 2015 - Navigating Through Disruption - Q3 2015

APCA - Payment Fraud Statistics - July 2015
Bacs Payment Schemes Ltd

Bacs - Current Account Switching Dashboard - Jan 2019

Bacs - Current Account Switch Service Discussion Paper - Sep 2018

Bacs - Current Account Switching Dashboard - July 2017

Bacs - Direct Debit Consultation Outcomes - May 2017

Bacs - Current Account Switching Dashboard - Apr 2017

Bacs - Current Account Switch Service Annual Report - March 2017

Bacs - Current Account Switching Dashboard - Jan 2017

Bacs - Making Account Switching Easier - March 2016

Bacs - Payment Service Provider Access - White Paper - Feb 2016

Bacs - Annual Review - 2014
Bank of England

BoE - RTGS and CHAPS Annual Report - July 2020

BoE - RPSO & SSP Operational Resilience Consultation - Dec 2019

BoE - RTGS and CHAPS Annual Report - August 2019

BoE - A brief introduction to CHAPS and RTGS - July 2019

BoE - Future of Finance (Huw van Steenis Report) - June 2019

BoE - RTGS Renewal - API Engagement & Next Steps - June 2019

BoE - Self Assessment of RTGS and CHAPS against PFMI - Dec 2018

BoE - ISO 20022 Consultation Response - Nov 2018

BoE - ISO20022 Consultation Paper - June 2018

BoE - The Future of Money - Mark Carney Speech - Mar 2018

BoE - CPMI Self Assessment Report - October 2017

BoE - Bank of England Settlement Account Policy - July 2017

BoE - RTGS CPMI Self Assessment Report - July 2016

BoE - Settlement Accounts - Nov 2014
BIS (Bank for International Settlements)

BIS - CBDC - Foundational Principles and Core Features - Oct 2020
BIS – Basel Committee on Banking Supervision

BIS - BCBS Report on Open Banking and APIs - Nov 2019
BIS – Committee on Payments & Market Infrastructures (CPMI)

BIS - Working Paper - Rise of CBDCs - Aug 2020

CPMI - Wholesale Digital Tokens - Dec 2019

CPMI - Cross-Border Retail Payments - Feb 2018

CPMI - Central Bank Digital Currencies - March 2018

CPMI - Recovery of Financial Market Infrastructures - Jul 2017

CPMI - Payment Aspects of Financial Inclusion - April 2016

CPMI - Application of the Principles for FMIs to Central Banks - Aug 2015

CPMI - Disclosure Framework and Assessment Methodology (PFMI) - Dec 2012

CPMI - General Guidance for National Payment System Development - Jan 2006

CPMI - The Role of Central Bank Money in Payment Systems - Aug 2003
BIS – Financial Stability Institute (FSI)
British Bankers Association (merged into UK Finance on 1st July 2017)

BBA - Help at Hand - The Way we Bank Now - July 2016
British Retail Consortium

BRC - 2015 Annual Payments Survey - Sep 2016
Canada – Department of Finance
Cheque & Credit Clearing Company

C&CCC - Cheques - Annual Market Research 2017 - Aug 2017

C&CCC - Annual Review 2016 - July 2017
Competition & Markets Authority (UK)

CMA - Retail Banking Investigation - Summary of Final Report - Aug 2016
Consumer Financial Protection Bureau (CFPB)

CFPB - Consumer Response Annual Report - April 2016

CFPB - Consumer Protection Principles - July 2015
European Banking Authority

EBA - Final Draft Regulatory Technical Standards for PSD2 - Feb 2017
European Central Bank

ECB - Report on a Digital Euro - Oct 2020

ECB - Target - 2015 Annual Report - May 2016

ECB - In Focus - Distributed Ledger Technology - April 2016

ECB - Revised oversight framework for retail payment systems - Feb 2016

ECB - RTGS Services Consultative Report - Feb 2016

ECB - Eurosystem Oversight Policy Framework - Sep 2015

ECB - The Payment System - Sep 2010
European Payments Council

EPC - 2020 Payments Threats and Fraud Trends Report - Nov 2020

EPC - Payments Threats and Fraud Trends Report - Dec 2019

EPC - Consultative White Paper on Mobile Payments - May 2016

EPC - Report to the ERPB on Instant Payments - June 2015
Faster Payments Scheme Ltd

FPS - Access Programme Economics Report - May 2015

FPS - White Paper - A Vision for a New Access Model - Dec 2014
Federal Reserve (US)
Federal Reserve - Next Steps in the Payments Journey - Sep 2017

Federal Reserve - The US Path to Faster Payments-Part 1- Jan 2017

Federal Reserve - Federal Reserve Policy on Payment System Risk - Sep 2016

Federal Reserve - Policy on Payment System Risk - July 2015
Financial Conduct Authority (UK)

FCA - Business Plan 2019-20 - April 2019

FCA - The Financial Lives of Consumers across the UK - June 2018

FCA - Credit Card Market Study - Final Findings Report - July 2016

FCA - Making Current Account Switching Easier - March 2015

FCA - Payment Systems Regulation - Call for Inputs - March 2014
Financial Fraud Action UK (merged into UK Finance on 1st July 2017)

FFA UK - 2017 Half Year Fraud Update - September 2017

FFA UK - Half-Year Fraud Update - Sep 2017

FFA UK - Fraud the Facts 2017 - June 2017

FFA UK - 2016 Year-end Fraud Bulletin - March 2017

FFA UK - January to June 2016 Fraud Update - October 2016

FFA UK - Fraud the Facts 2016 - Jan 2016
Financial Stability Board (FSB)

FSB - Enhancing Cross-Border Payments - Stage 3 Roadmap - Oct 2020

FSB - Global Stablecoin Consultation - April 2020
Global Foreign Exchange Committee (GFXC)

GFXC - FX Global Code - May 2017

GFXC - FX Global Code - Blueprint for Adoption - May 2017
HM Treasury (UK)

HMT - Access to Cash - Call for Evidence - Oct 2020

HMT - Payments Landscape Review - Call for Evidence - July 2020

HMT - JACS Group - Safeguarding the UK's Cash Infrastructure - July 2020

HMT - Cryptoassets Taskforce - Final Report - Oct 2018

HMT - Monetary Sanctions Consultation - Final - Dec 2016

HMT - Fourth Money Laundering Directive Consultation - Sep 2016

HMT - Designation of Payment Systems - Response to Consultation - March 2015

HMT - Opening Up UK Payments - Response to Consultation - Oct 2013

HMT - Opening Up UK Payments - Consultation - March 2013

HMT - Setting the Strategy for UK Payments - Consultation - July 2012

HMT - Competition in UK Banking - Cruickshank Report - March 2000
Lending Standards Board
Link Scheme Ltd

LINK - Annual Report 2019-2020 - Aug 2020

LINK - Preserving Access to Cash - July 2019

LINK - Final Decision and Impact Assessment - Jan 2018

LINK - Interchange Consultation Report Public Summary - Jan 2018

LINK - Consumer Council Annual Report - Jan 2018

LINK - Consultation on Interchange Rate - Public Version - Nov 2017

LINK - Annual Report 2016-17 - July 2017

LINK - Consumer Council Annual Report - Dec 2016
Monetary Authority of Singapore

MAS - Singapore Payments Roadmap Report - Aug 2016
Office of Fair Trading (UK) – Closed 31 March 2014

OFT - Competition and Innovation in Payment Systems - July 2013

OFT - Review of the Personal Current Account Market - Jan 2013

OFT - Review of the Operation of the UK Payments Council - March 2009

OFT - Market Study of UK Payment Systems - May 2003
National Audit Office (UK)

NAO - The Production and Distribution of Cash - Sep 2020
Pay.UK (formerly New Payment Systems Operator – NPSO)

Pay.UK - Exploring Perceptions of Consumer Protections in Payments - Jan 2021

Pay.UK - Annual Payment Statistics - Jan 2021

Pay.UK - Consumer Protections in Payments - Summary Paper - Nov 2020

Pay.UK - Next Generation Standard for UK Retail Payments - Sep 2020

Pay.UK - PFMI Self-Assessment - June 2020

Pay.UK - NPA Standards Consultation - Feb 2020

Pay UK - Annual Summary of Payment Statistics 2018

NPSO - Code of Conduct for Indirect Access Providers - March 2018
Payment Legislation

UK - The Payment Accounts Regulations 2015 - Dec 2015

UK - Payment Services Regulations 2009 - Feb 2009
Payments Canada (former the Canadian Payments Association)

PCA - Modernisation Delivery Roadmap - Dec 2020

Payments Canada - CBDC - The Fundamentals - Nov 2020

Payments Canada - Real Time Rails Consultation Document - Sep 2020

Payments Canada - Modernization Delivery Roadmap - Dec 2019

Payments Canada - Consultation - Lynx Policy Framework - Oct 2019

PCA - Modernization Target State - Dec 2017

PCA - Industry Roadmap and High-Level Plan - Dec 2016

CPA - 2015 Annual Report - The Path to Better Payments - April 2016

CPA - Canadian Payment Methods & Trends - Dec 2015

CPA - ISO 20022 Strategy & Roadmap - July 2012
Payments Council (UK Trade Body until June 2015 – superseded by Payments UK)

Payments Council - Annual Review - 2013

Payments Council - Annual Review - 2012

Payments Council - Annual Review - 2011

Payments Council - Updated National Payments Plan - Oct 2011

Payments Council - Annual Review - 2010

Payments Council - The Future for Cash in the UK - March 2010

Payments Council - National Payments Plan - May 2008
Payments New Zealand

Payments NZ - Payments Direction 2018 Environmental Scan Report - Jun 2018

PNZ - Environmental Scan Refresh - May 2016

PNZ - Payments Direction - Consumer Survey Results - Dec 2015

PNZ - 2015 Environmental Scan Report - Sep 2015
Payment Strategy Forum (UK)

PSF - Consultation Assessment Report - Dec 2017
Payment System Operator Delivery Group (UK)

PSODG - Payment Systems Operator Delivery Group Report - May 2017
Payment Systems Regulator (UK)

PSR - Authorised Push Payment Scams - Call for Views - Feb 2021

PSR - Card Acquiring Market Review - Interim Report - Sep 2020

PSR - Access and governance report - June 2019

PSR - Annual-Plan 2019-2020 - March 2019

PSR - Contactless Mobile Payments - July 2018

PSR - Discussion Paper - Data in the Payments Industry - June-2018

PSR - Access and Governance report on Payment Systems - March 2018

PSR - Authorised Push Payment Scams -Report and Consultation - Nov 2017

PSR - Annual Report 2016-17- July 2017

PSR - Annual Plan and Budget 2017-2018 - March 2017

PSR - Access and Governance report on Payment System - March 2017

PSR - Which? Super Complaint Response - Dec 2016

PSR - Indirect Access Market Review - Final Report - July 2016

PSR - Regulatory fees 2016-17 (Consultation) - April 2016

PSR - Annual plan and budget 2016-2017 - March 2016

PSR - Indicative Policy Work Program 2015 - March 2015
Payments UK (merged into UK Finance on 1st July 2017)

Payments UK - UK Payment Markets Summary 2017 - May 2017

Payments UK - 2016 Payment Statistics - Jan 2017

Payments UK - Code of Conduct for Indirect Access Providers - Sep 16

Payments UK - UK Payment Markets Summary 2016 - May 2016

Payments UK - APIs - what do they mean for payments - April 2016

Payments UK - Standards Collaboration Framework - April 2016

Payments UK - 2015 Payment Statistics - Jan 2016

Payments UK - World Class Payments in the UK - August 2015
Prudential Regulation Authority (UK)
SWIFT

SWIFT - FMI ISO20022 Harmonisation Charter - Sep 2015
Treasury Committee (UK)

Treasury Committee - Economic Crime - Consumer View - Nov 2019

Treasury Committee - IT Failures in the Financial Services Sector - Oct 2019
UK Cards Association (merged into UK Finance on 1st July 2017)

UKCA - Quarterly Market Trends - Q4 2016

UKCA - Quarterly Market Trends - Q3 2016

UKCA - Quarterly Market Trends - Q2 2016

UKCA - Quarterly Market Trends - Q1 2016

UKCA - Quarterly Market Trends - Q4 2015

UKCA - Annual Report 2015
UK Finance (New Consolidated Trade Association from 1st July 2017)

UK Finance - 2020 Half Year Fraud Update - Sep 2020

UK Finance - 2019 Half year fraud update - Sep 2019

UK Finance - UK Payment Markets - Summary Report - June 2019

UK Finance - Fraud - The Facts 2018 - July 2018

UK Finance - Monthly Payment Statistics - June 2018

UK Finance - Un-Blocking Identity in a Digital World - March 2018

UK Finance - 2017 Annual Fraud Update - March 2018

UK Finance - Payment Statistics - Sep 2017
