Electronic Payments Coalition

Both the Merchants and the Fed Misread Durbin

“[Consumers] have not enjoyed any pass-through benefit from lower swipe fees in the price of retailer goods and services…”

Updated Last:
December 9, 2025

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Richmond Fed’s Economic Quarterly Explores Interchange Fee Regulations and the Durbin Amendment
Merchants Ignore Durbin’s Toll on Their Customers
A Haunted History: Durbin Debit Mandates Offer Cautionary Tale for Durbin-Marshall Credit Card Mandates
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