The Clearing House, which is owned by a consortium of the biggest banks, has extended an olive branch to smaller banks for real-time payments; they announced the addition of 4 seats on their RTP Business Committee so they can provide input on development; Cary Whaley, a vice president at the Independent Community Bankers of America, said the move is a step in the right direction according to American Banker; banks are also waiting to see what the Fed will do on faster payments after the comment period ended in December. Source.