As Generative AI (“GenAI”) technologies rapidly evolve, we stand at the threshold of a significant shift in how consumers initiate payments. Unlike the mobile revolution — where existing payment regulations comfortably accommodated new form factors — agentic payments present novel regulatory challenges. This paper examines how current U.S. payment regulations, particularly the Truth-in-Lending Act and Electronic Funds Transfer Act, create obstacles for GenAI-powered payment agents by req
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