The FSF has drawn together various standard-setting bodies which were constituted by means of cooperation among central banks, international financial institutions, national authorities and international supervisory and regulatory bodies. The FSF has posted on its website the Compendium of Standards, which serves as a common reference for various standards. Currently, there are 69 standards cited in the Compendium.
This is a significant change for an economy as large and diverse as that of the United States. On a per capita basis, credit cards are still the most intensively used form of electronic payments for retail transactions, although the use of debit cards has recently been growing at double-digit rates.