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In its comment letter, the nation's largest retailer is urging the Fed to pay more attention to the views of merchants and consumers.

JPMorgan, Wal-Mart Offer Starkly Different Views on Faster Payments

The diverging responses of the nation's biggest bank and its largest retailer illustrate the broad divide that the Federal Reserve will be seeking to bridge in its effort to encourage a speedier payments infrastructure within a decade.

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