When the Durbin Amendment was passed as part of the Dodd-Frank Act of 2010, proponents billed the Durbin Amendment as a measure that would benefit America’s financial consumers. By instituting the anti-free market policy of price caps on debit card swipe fees, Durbin proponents promised savings by merchants would be passed onto consumers in the form of reduced prices in stores. Yet not only has this promise not come to fruition, the Durbin Amendment has now been shown to have had a disparate impact on America’s low-income financial consumers.