Return to text 9 Financial Stability Board, “FSB Delivers a Roadmap to Enhance Cross-Border Payments,” news release,  October 13, 2020. Return to text 10 "Key Findings from How America Banks: Household Use of Banking and Financial Services,” Federal Deposit  Insurance Corporation. Return to text 11 5/6  BIS central bankers' speeches  11 See joinbankon.org/.
Return to text 12 Note that section 11A of the Federal Reserve Act (12 U.S.C. § 248a) directs the Federal Reserve to establish a  fee schedule for its payment services.