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			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-cp17-11/</loc>
<lastmod>2021-10-29T15:08:27+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-u-k-s-lack-of-action-on-financial-crime-a-letter-to-rt-hon-rishi-sunak-mp-chancellor-of-the-exchequer-from-the-payments-association/</loc>
<lastmod>2022-03-08T16:38:36+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-dcms-consultation-on-digital-identity/</loc>
<lastmod>2022-08-18T09:55:55+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/a-new-era-for-money-executive-summary/</loc>
<lastmod>2022-08-18T11:04:03+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/a-new-era-for-money/</loc>
<lastmod>2022-08-18T11:04:03+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-bank-of-englands-discussion-paper-new-forms-of-digital-money/</loc>
<lastmod>2023-02-16T17:25:42+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-fcas-cp21-13-consumer-duty/</loc>
<lastmod>2023-02-16T17:26:14+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-psr-cp21-6-confirmation-of-payee-call-for-views/</loc>
<lastmod>2023-02-16T17:26:59+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-psrs-new-payments-architecture-consultation-2021/</loc>
<lastmod>2023-02-16T17:27:27+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-hm-treasurys-consultation-on-uk-regulatory-approach-to-cryptoassets-and-stablecoins/</loc>
<lastmod>2023-02-16T17:28:40+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-hm-treasury-consultation-insolvency-changes-for-pis-and-emis/</loc>
<lastmod>2023-02-16T17:29:08+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-to-hm-treasury-payments-landscape-review/</loc>
<lastmod>2023-02-16T17:29:35+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-coronavirus-and-safeguarding-customers-funds-proposed-guidance-for-payment-firms-by-the-fca/</loc>
<lastmod>2023-02-16T17:30:04+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-for-psr-consultation-on-general-directions-on-confirmation-of-payee/</loc>
<lastmod>2023-02-16T17:30:34+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/epa-response-for-psr-pre-consultation-on-card-acquiring/</loc>
<lastmod>2023-02-16T17:33:36+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-submission-to-jrocs-strategic-working-group-ecosystem-sprint/</loc>
<lastmod>2023-03-18T13:43:09+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/new-alliance-for-uks-digital-currency-future/</loc>
<lastmod>2023-03-18T13:45:28+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/market-review-of-uk-eea-consumer-cross-border-interchange-fees-psr/</loc>
<lastmod>2023-03-18T13:56:49+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/market-review-of-card-scheme-and-processing-fees-psr/</loc>
<lastmod>2023-03-18T14:18:06+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/managing-the-failure-of-systemic-digital-settlement-asset-firms-consultation/</loc>
<lastmod>2023-03-18T14:21:41+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/regulation-of-buy-now-pay-later-consultation-response/</loc>
<lastmod>2023-03-18T14:25:20+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/formation-of-the-uk-industry-digital-currencies-coordination-group/</loc>
<lastmod>2023-03-18T14:49:52+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-the-psrs-market-review-into-card-acquiring-services/</loc>
<lastmod>2023-03-18T15:05:39+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/project-cross-border/</loc>
<lastmod>2023-03-18T15:07:05+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/a-new-consumer-duty-feedback-to-cp-21-13-and-further-consultation/</loc>
<lastmod>2023-03-18T15:13:44+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-association-response-to-fca-dp-22-5-big-tech/</loc>
<lastmod>2023-03-18T15:15:29+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/economic-crime-and-corporate-transparency-bill-hmt/</loc>
<lastmod>2023-03-18T15:16:25+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/authorised-pushed-payment-app-scams-requiring-reimbursement/</loc>
<lastmod>2023-03-18T15:17:00+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-association-response-to-appg-crypto-digital-assets-crypto-inquiry-2022/</loc>
<lastmod>2023-03-18T15:17:20+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-treasury-select-committee-on-psr/</loc>
<lastmod>2023-03-18T15:18:32+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-rtgs-chaps-tariff-consultation/</loc>
<lastmod>2023-03-18T15:21:28+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-rtgs-road-map-beyond-2024/</loc>
<lastmod>2023-03-18T15:23:22+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-hm-treasurys-consultation-on-the-regulation-of-buy-now-pay-later/</loc>
<lastmod>2023-03-18T15:45:32+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-association-response-to-hm-treasurys-call-for-evidence-review-of-the-uks-aml-ctf-regulatory-regime/</loc>
<lastmod>2023-03-18T15:52:26+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-association-response-to-hm-treasurys-consultation-on-amendments-to-the-money-laundering-terrorist-financing-and-transfer-of-funds-regulations-october-2021/</loc>
<lastmod>2023-03-18T15:57:52+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/diversity-and-inclusion-in-the-financial-sector-working-together-to-drive-change/</loc>
<lastmod>2023-03-18T16:01:40+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/digital-economy-act-2017-the-identity-verification-services-objective-dcms/</loc>
<lastmod>2023-03-20T16:42:27+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-payment-services-regulations-review-and-call-for-evidence/</loc>
<lastmod>2023-04-12T11:30:26+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/a-response-to-the-recommendations-for-the-next-stage-of-open-banking/</loc>
<lastmod>2023-04-26T15:22:37+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/a-response-to-the-hmt-future-financial-services-regulatory-regime-for-cryptoassets/</loc>
<lastmod>2023-05-02T10:58:04+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-digital-pound-a-new-form-of-money-for-households-and-businesses/</loc>
<lastmod>2023-07-10T13:46:08+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/letter-to-lord-johnson-from-the-payments-association/</loc>
<lastmod>2023-07-21T15:19:30+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-the-fcas-consultation-on-cryptoasset-financial-promotions/</loc>
<lastmod>2023-08-08T10:22:19+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-associations-response-to-the-psr-consultation-on-faster-payments-app-scam-reimbursement-rules-and-operator-monitoring/</loc>
<lastmod>2023-08-25T14:23:17+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/call-for-evidence-on-fraud/</loc>
<lastmod>2023-10-23T11:04:40+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-payments-manifesto/</loc>
<lastmod>2023-11-23T15:32:08+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/bank-of-england-discussion-paper-regulatory-regime-for-systemic-payment-systems-using-stablecoins-and-related-service-providers/</loc>
<lastmod>2025-01-18T10:46:14+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/fca-dp23-4-regulating-cryptoassets-phase-1-stablecoins/</loc>
<lastmod>2025-01-18T10:46:24+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/faster-payments-app-scams-changing-the-maximum-level-of-reimbursement/</loc>
<lastmod>2025-01-18T11:04:34+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-7/</loc>
<lastmod>2025-01-18T11:04:42+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-6/</loc>
<lastmod>2025-01-18T11:04:49+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-4/</loc>
<lastmod>2025-01-18T11:04:56+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-5/</loc>
<lastmod>2025-01-18T11:05:03+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-3/</loc>
<lastmod>2025-01-18T11:05:10+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-2/</loc>
<lastmod>2025-01-18T11:05:18+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/psr-app-scams-engagement-session-1/</loc>
<lastmod>2025-01-18T11:05:27+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-psr-consultation-cp24-13-on-specific-direction-3-sd3/</loc>
<lastmod>2025-01-18T11:12:32+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/impact-of-app-fraud-rules-could-it-be-worse-than-we-feared/</loc>
<lastmod>2025-01-18T11:13:05+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/the-bank-of-englands-approach-to-innovation-in-money-and-payments/</loc>
<lastmod>2025-01-18T11:13:12+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/review-of-fca-requirements-following-the-introduction-of-the-consumer-duty/</loc>
<lastmod>2025-01-18T11:13:21+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-fca-consultation-cp24-20-on-changes-to-the-safeguarding-regime-for-payments-and-e-money-firms/</loc>
<lastmod>2025-01-29T15:08:14+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/future-requirements-of-the-uks-payments-infrastructure-submission-to-hmt/</loc>
<lastmod>2025-04-04T15:29:31+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-hmt-si-draft-on-cryptoassets/</loc>
<lastmod>2025-05-24T00:00:17+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-fca-dp-25-1-regulating-cryptoasset-activities/</loc>
<lastmod>2025-06-17T00:00:56+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/consultation-paper-25-14-stablecoin-issuance-and-cryptoasset-custody/</loc>
<lastmod>2025-08-14T14:04:44+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/consultation-paper-25-15-a-prudential-regime-for-cryptoasset-firms/</loc>
<lastmod>2025-08-14T14:04:49+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-hmt-consultation-future-of-the-psr/</loc>
<lastmod>2025-10-22T00:00:59+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/proposal-to-extend-rt2-and-chaps-settlement-hours-phase-1/</loc>
<lastmod>2025-10-24T00:00:57+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/application-of-fca-handbook-forregulated-cryptoasset-activities/</loc>
<lastmod>2025-11-27T00:00:35+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/tpa-response-to-tc-cfe-nis-final/</loc>
<lastmod>2026-01-16T00:00:33+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/consultation-paper-25-42-prudential-regime-for-cryptoasset-firms/</loc>
<lastmod>2026-02-16T17:10:26+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/call-for-evidence-growth-and-proposed-regulation-for-stablecoins-in-the-uk/</loc>
<lastmod>2026-03-11T15:30:49+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/application-of-fca-handbook-to-regulated-crypto-activities-ii/</loc>
<lastmod>2026-03-16T16:05:51+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/esg-ratings-proposed-approach-to-regulation/</loc>
<lastmod>2026-03-31T10:32:41+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/making-public-services-work-for-you-with-your-digital-identity/</loc>
<lastmod>2026-05-21T12:07:24+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/open-finance-roadmap/</loc>
<lastmod>2026-07-03T16:29:37+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/rpib-consultation-on-the-design-of-the-future-retail-payments-infrastructure/</loc>
<lastmod>2026-09-29T14:47:48+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/consultation-on-the-bank-of-englands-draft-code-of-practice-for-systemic-stablecoin-issuers/</loc>
<lastmod>2026-09-29T16:38:32+00:00</lastmod>
</url>			<url>
<loc>https://thepaymentsassociation.org/consultations/fca-cp26-23-consumer-duty-scope-and-proportionality/</loc>
<lastmod>2026-10-02T11:33:16+00:00</lastmod>
</url>	</urlset>