restrict-user-access domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /nas/content/live/epc1/wp-includes/functions.php on line 6121If the Durbin Amendment hadn’t been passed in the first place, these institutions would have kept their fraud prevention programs. The creation of the Durbin Amendment partially explains the increase in identity theft in the past year and is one reason why government spending has increased.