Owen Radcliffe
Owen Radcliffe writes for Flowz Observer and other Independent Journal publications, covering funds, ETFs and payments and crypto and digital assets. Reporting under this byline is prepared by the Independent Journal editorial desk from primary sources, with AI assistance, and reviewed under our editorial policy.
6 articles
CFPB Debanking Initiative Adds a New Front in Payments Regulation
The CFPB has announced a new initiative targeting debanking by large banks, building on findings from the OCC. Here is what changed and what to watch next.
GLP-1 Costs Test Retirement Investing, Survey Finds
A new Nationwide survey says half of current GLP-1 users fear choosing between their medication and retirement savings, even as most feel upbeat about their health.
How payment networks work: cards, ACH and FedNow
How payment networks work: the four-party card model, ACH batches, FedNow instant payments, interchange fees and Regulation E consumer protections explained.
Payments regulation: Fed proposes stablecoin reserve rules
The Federal Reserve asked for comment on two GENIUS Act proposals covering reserves, capital and application procedures for Board-supervised stablecoin issuers.
Raising capital online: Reg CF, Reg A+ and Reg D compared
Reg CF, Reg A+ and Reg D compared: offering limits, who can invest, advertising rules and filings, with the figures taken directly from SEC.gov pages.
Payments news: Fed proposes ID program rules for stablecoin issuers
On June 18, 2026 the Fed and four other agencies proposed requiring certain payment stablecoin issuers to run customer identification programs, like banks.