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# Electronic Payments Coalition

## Sitemaps
[XML Sitemap](https://electronicpaymentscoalition.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [As Back-to-School Costs Rise, Families Turn to Credit Card Rewards to Help Stretch Budgets](https://electronicpaymentscoalition.org/2026/08/13/as-back-to-school-costs-rise-families-turn-to-credit-card-rewards-to-help-stretch-budgets/): WASHINGTON, DC — Credit card rewards are more than a travel perk. For hardworking families across the country, they are part of how households manage the budget.
- [Study Shows LMI Households Rely on Credit Card Rewards ](https://electronicpaymentscoalition.org/2026/06/23/study-shows-lmi-households-rely-on-credit-card-rewards/): The Electronic Payments Coalition released a new report examining how American consumers, including lower-income consumers, utilize reward credit cards and how proposals restricting card issuers’ ability to offer reward credit cards would adversely impact cardholders of all incomes.
- [EPC Statement on Preliminary Approval of Approximately $200+ Billion Small Business Credit Card Agreement](https://electronicpaymentscoalition.org/2026/06/09/epc-statement-on-preliminary-approval-of-approximately-200-billion-small-business-credit-card-agreement/): WASHINGTON, DC — Electronic Payments Coalition (EPC) Executive Chairman Richard Hunt issued the following statement after the court's preliminary approval of the small business credit card agreement between Visa, Mastercard, and merchants. The agreement guaranteed lower processing rates along with other requested concessions in the long-running interchange litigation. In total, the agreement amounts to approximately $200+ billion over eight years.
- [With Third Federal Action, NCUA Reaffirms Illinois Interchange Law is Unworkable — Repeal Remains the Only Fix](https://electronicpaymentscoalition.org/2026/06/09/with-third-federal-action-ncua-reaffirms-illinois-interchange-law-is-unworkable-repeal-remains-the-only-fix/): "State legislators elsewhere should note, a patchwork of state interchange mandates is not a policy solution. It is a recipe for confusion, higher costs, less access, fewer protections and ultimately chaos for every consumer and business owner who depends on the payments system underpinning the nation's economy."
- [Gov. Polis Veto Prevents “Credit Card Chaos” from Harming Colorado Consumers, Small Businesses, Union Jobs & Tourism Economy](https://electronicpaymentscoalition.org/2026/06/03/gov-polis-veto-prevents-credit-card-chaos-from-harming-colorado-consumers-small-businesses-union-jobs-tourism-economy/): Electronic Payments Coalition today applauded Governor Jared Polis for vetoing SB 26-134, legislation that would have imposed unworkable mandates and forced credit and debit cards to operate differently in Colorado than virtually anywhere else in the world. These changes would have created significant confusion and operational disruption for consumers, small businesses, financial institutions, and the state’s critical tourism and travel economy.
- [Court Deals Another Major Blow to Illinois’ Credit & Debit Card Chaos Law; EPC Repeats Call for Full Repeal](https://electronicpaymentscoalition.org/2026/06/01/court-deals-another-major-blow-to-illinois-credit-debit-card-chaos-law-epc-repeats-call-for-full-repeal/): "The court's ruling is clear … This unworkable law singles out Illinois’ own hometown banks and credit unions, creating uncertainty and confusion for their customers and the state’s small businesses. A full repeal remains the only solution."
- [Illinois Delays “Credit Card Chaos,” but Full Repeal Remains the Only Real Solution](https://electronicpaymentscoalition.org/2026/06/01/illinois-delays-credit-card-chaos-but-full-repeal-remains-the-only-real-solution/): Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after the Illinois General Assembly voted for the second consecutive year to delay implementation of the state's flawed "Credit Card Chaos" law, also known as the Illinois Interchange Fee Prohibition Act (IFPA):
- [EPC Files Comments Supporting OCC’s Efforts to Preserve Safe, Secure, Efficient National Payment System Against State-Level Card Chaos Laws](https://electronicpaymentscoalition.org/2026/05/29/epc-files-comments-supporting-occs-efforts-to-preserve-safe-secure-efficient-national-payment-system-against-state-level-card-chaos-laws/): ***
- [Electronic Payments Coalition Names Erik Johnson as U.S. Government Affairs Lead](https://electronicpaymentscoalition.org/2026/05/19/electronic-payments-coalition-names-erik-johnson-as-u-s-government-affairs-lead/): WASHINGTON, DC — The Electronic Payments Coalition today announced Erik Johnson has been named Managing Director of U.S. Government Affairs. Johnson brings more than 20 years of financial services policy and government affairs experience to the role. He will work alongside EPC Executive Chairman Richard Hunt, the EPC team and EPC’s federal coalition partners to strengthen and protect the nation’s payments system.
- [Federal Court Reinforces State Interchange Laws Are Federally Preempted](https://electronicpaymentscoalition.org/2026/05/08/federal-court-reinforces-state-interchange-laws-are-federally-preempted/): WASHINGTON – The Electronic Payments Coalition (EPC) today said a major federal court action involving Illinois’s interchange law should serve as a warning to every state considering similar legislation pushed by corporate mega-store lobbyists.
- [Federal Court Action Reinforces Need for Veto of CO General Assembly’s Flawed Card Bill](https://electronicpaymentscoalition.org/2026/05/08/federal-court-action-reinforces-need-for-veto-of-co-general-assemblys-flawed-card-bill/): Contact:Katie Farnan720-404-2502katie@thebighorncompany.com 
- [Latest Court Action Reinforces Need to Repeal IFPA](https://electronicpaymentscoalition.org/2026/05/08/latest-court-action-reinforces-need-to-repeal-ifpa/): Date: May 8, 2026Media Contact:Nick SimpsonNick@electronicpaymentscoalition.org
- [New Ad Warns Illinois Card Law Hurts Local Banks, Credit Unions & Customers](https://electronicpaymentscoalition.org/2026/05/07/new-ad-warns-illinois-card-law-hurts-local-banks-credit-unions-customers/): Chicago, IL – The Electronic Payments Coalition (EPC) today released a new statewide advertisement highlighting the impact the Interchange Fee Prohibition Act would have on local banks, credit unions, and their customers, along with a direct appeal from a local credit union leader urging policymakers to repeal the flawed law before its July 1, 2026, implementation date. The ad is the latest phase of an ongoing campaign calling on the legislature to repeal the IFPA, which has been tied up in courts since 2024 and called unworkable by the nation’s leading federal banking regulator.
- [Coalition Supporting Colorado Economy Calls on Governor to Veto Card Chaos Law](https://electronicpaymentscoalition.org/2026/05/06/coalition-supporting-colorado-economy-calls-on-governor-to-veto-card-chaos-law/): Contact:Katie Farnan720-404-2502katie@thebighorncompany.com 
- [ICYMI: Local Businesses, Credit Unions, Community & Labor Leaders Urge House to Reject Credit Card Chaos Bill](https://electronicpaymentscoalition.org/2026/05/05/icymi-local-businesses-credit-unions-community-labor-leaders-urge-house-to-reject-credit-card-chaos-bill/): Broad coalition warns bill backed by corporate mega-stores would harm small businesses, consumers, and working families 
- [Colorado Senate Sends Credit Card Chaos Bill to House After Contentious Debate & Reconsideration](https://electronicpaymentscoalition.org/2026/05/01/colorado-senate-sends-credit-card-chaos-bill-to-house-after-contentious-debate-reconsideration/): Contact: Katie Farnan 720-404-2502 katie@thebighorncompany.com
- [Colorado Credit Card Chaos Bill Would Create Confusion, Raise Costs & Fail Consumers](https://electronicpaymentscoalition.org/2026/04/29/colorado-credit-card-chaos-bill-would-create-confusion-raise-costs-fail-consumers/): Legislation backed by corporate mega-stores passes final Senate vote despite unresolved implementation problems, federal preemption, and warnings from regulators spanning four decades
- [OCC Preemption Highlights Need for Repeal of Illinois Law to Protect State’s Community Institutions, Customers & Small Businesses](https://electronicpaymentscoalition.org/2026/04/24/occ-preemption-highlights-need-for-repeal-of-illinois-law-to-protect-states-community-institutions-customers-small-businesses/): "Illinois is on the verge of going from the Land of Lincoln to the Land of Credit Card Chaos, all because of a last-minute backroom deal slipped into the state budget, bypassing regular order and attempting to rewrite long-standing national regulations."
- [New Ad Highlights Negative Impacts to Small Businesses, Local Banks and Credit Unions from Illinois’ Credit Card Chaos Law Set to Take Effect July 1, 2026](https://electronicpaymentscoalition.org/2026/03/30/new-ad-highlights-negative-impacts-to-small-businesses-local-banks-and-credit-unions-from-illinois-credit-card-chaos-law-set-to-take-effect-july-1-2026/): Chicago, IL – The Electronic Payments Coalition (EPC) is launching a second ad in their statewide public awareness campaign to urge the Illinois legislature to repeal the Credit Card Chaos law known as the IFPA, and ensure Illinois voters know the harms this law will bring to small businesses, local banks and credit unions across Illinois. EPC’s members include community banks and credit unions, card networks and issuing banks.
- [Coalition Urges Repeal of Illinois Credit Card Chaos Law in Statewide Ad Campaign](https://electronicpaymentscoalition.org/2026/03/18/coalition-urges-repeal-of-illinois-credit-card-chaos-law-in-statewide-ad-campaign/): Date: March 18, 2026Media Contact:Nick Simpsonnick@electronicpaymentscoalition.org
- [Durbin, Marshall Desperation on Display with Latest Credit Card Mandate Push](https://electronicpaymentscoalition.org/2026/03/03/durbin-marshall-desperation-on-display-with-latest-credit-card-mandate-push/): WASHINGTON, D.C. – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after Senators Roger Marshall (R-Kan.) and Dick Durbin (D-Ill.) filed their proposed credit card mandates as an amendment to bipartisan housing legislation before the Senate:
- [EPC Statement on Ruling on Illinois Credit Card Chaos Bill](https://electronicpaymentscoalition.org/2026/02/10/epc-statement-on-ruling-on-illinois-credit-card-chaos-bill/): WASHINGTON, D.C. – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after a federal court ruling on litigation challenging a flawed state law which changed the way credit and debit cards were processed in Illinois, burdening small businesses and consumers so the largest retailers in the state could pocket additional profits:
- [ICYMI: Conservatives, Free-Market Groups Warn New Durbin-Marshall Amendment Hands More Power to Far-Left AGs](https://electronicpaymentscoalition.org/2026/01/27/icymi-conservatives-free-market-groups-warn-new-durbin-marshall-amendment-hands-more-power-to-far-left-ags/): WASHINGTON, D.C. – On Friday, Senators Dick Durbin (D-IL) and Roger Marshall (R-KS) filed a new version of their flawed credit card mandates as an amendment to crypto market structure legislation. Just days before a markup, they changed their original bill to add a political sweetener in order to gain support from far-left allies like Elizabeth Warren, Bernie Sanders, and Rohit Chopra. The new amendment empowers activist state attorneys general to sue American companies.
- [Durbin-Marshall Desperation on Display](https://electronicpaymentscoalition.org/2026/01/24/durbin-marshall-desperation-on-display/): WASHINGTON, D.C. – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after Senators Dick Durbin (D-IL) and Roger Marshall (R-KS) filed a new version of their flawed credit card mandates as an amendment to crypto market structure legislation:
- [Progressive Policy Institute Outlines Harm of Proposed Credit Card Mandates](https://electronicpaymentscoalition.org/2026/01/23/progressive-policy-institute-outlines-harm-of-proposed-credit-card-mandates/): WASHINGTON, D.C. – Research from the Progressive Policy Institute (PPI) warns against two recent credit card proposals, the Durbin-Marshall routing mandates and a proposed 10% rate cap.
- [In Case You Missed It… Conservative Coalition Calls on Congress to Oppose Durbin-Marshall Credit Card Bill](https://electronicpaymentscoalition.org/2026/01/22/in-case-you-missed-it-conservative-coalition-calls-on-congress-to-oppose-durbin-marshall-credit-card-bill/): WASHINGTON, DC — A coalition of more than two dozen conservative organizations released a letter today urging members of Congress to oppose government price controls on credit cards, including efforts to impose caps on interest rates or the Durbin-Marshall Credit Card Mandates. Taken on their own, these are flawed government price controls. Together, they are catastrophic for our economy, small businesses and families’ prosperity.
- [Credit Unions, Community Banks Urge Congress To Reject Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2026/01/15/credit-unions-community-banks-urge-congress-to-reject-durbin-marshall-credit-card-mandates/): WASHINGTON— America’s Credit Unions, the Defense Credit Union Council, and the Independent Community Bankers of America Thursday sent a joint letter to Congress opposing the Durbin-Marshall credit card mandates, warning the proposal would harm consumers, small businesses, and community financial institutions while delivering a windfall to the nation’s largest retailers. 
- [EPC Statement on Potential Durbin-Marshall Hearing](https://electronicpaymentscoalition.org/2026/01/14/epc-statement-on-potential-durbin-marshall-hearing/): WASHINGTON, D.C. – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after the Senate Banking Committee reiterated promises to hold a hearing on the Durbin-Marshall Credit Card Mandates legislation:
- [Corporate Mega-Stores Again Push Costly Credit Card Mandate Legislation](https://electronicpaymentscoalition.org/2026/01/13/corporate-mega-stores-again-push-costly-credit-card-mandate-legislation/): Government takeover of credit card system would harm small businesses, families. 
- [Government Credit Takeover Puts U.S. Economy at Risk](https://electronicpaymentscoalition.org/2026/01/13/government-credit-takeover-puts-u-s-economy-at-risk/): WASHINGTON, D.C. – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after President Donald Trump called for action on the Durbin-Marshall Credit Card Mandates, a proposal which has not been introduced this Congress, has not received Congressional scrutiny, and independent analysis shows would drain nearly $250 billion and approximately 160,000 jobs from the U.S. economy in just four years:
- [Credit Card Rate Caps Eliminate Access for 175-190 Million Americans, Nearly 90% of Cardholders](https://electronicpaymentscoalition.org/2026/01/12/credit-card-rate-caps-eliminate-access-for-175-190-million-americans-nearly-90-of-cardholders/): WASHINGTON, D.C. – Proposals to cap credit card interest rates at 10% would dramatically restrict access to credit for all Americans. A new Electronic Payments Coalition study found nearly 90% of current cardholders – between 175-190 million Americans – would effectively lose access to credit. Essentially, any American with a credit score of less than 740 – well above the national average – would see their card eliminated or credit limit drastically reduced.
- [Affordability is Key But One-Size-Fits-All Rate Caps Harm American Families](https://electronicpaymentscoalition.org/2026/01/09/affordability-is-key-but-one-size-fits-all-rate-caps-harm-american-families/): Date: January 9, 2025Media Contact: Nick SimpsonNick@electronicpaymentscoalition.org
- [NFIB’s Legislative Agenda vs. Small Business Reality](https://electronicpaymentscoalition.org/2026/01/08/nfibs-legislative-agenda-vs-small-business-reality/): This week, the National Federation of Independent Business (NFIB) released its legislative priorities for 2026, again calling on Congress to advance the untested and flawed Durbin-Marshall Credit Card Mandates. NFIB’s continued push comes despite extensive research showing these mandates would not lower prices or meaningfully help small businesses – but would rather weaken their ability to compete with the corporate mega-stores backing this government takeover of Americans’ credit cards.
- [Progressive Policy Institute Report Serves as a Stop Sign for Congress: Card Mandates Hurt Consumers](https://electronicpaymentscoalition.org/2025/12/17/progressive-policy-institute-report-serves-as-a-stop-sign-for-congress-card-mandates-hurt-consumers/): WASHINGTON, D.C. – A new report from the Progressive Policy Institute’s Robert Shapiro, titled “The Unanticipated Costs and Consequences of Federal Reserve Regulation of Debit Card Interchange Fees,” concludes the 2011 Durbin Amendment failed to deliver its promised savings to consumers, instead resulting in higher banking costs, fewer rewards, and reduced access to financial services for low-income Americans.
- [Cyber Monday’s $14+ Billion Economic Boost Powered by Electronic Payments](https://electronicpaymentscoalition.org/2025/12/01/cyber-mondays-14-billion-economic-boost-powered-by-electronic-payments/): Not only do card payments make online shopping possible, they save businesses money when compared to cash purchases
- [Credit Card Purchases Save Merchants Up to $57 Million This Thanksgiving](https://electronicpaymentscoalition.org/2025/11/24/credit-card-purchases-save-merchants-up-to-57-million-this-thanksgiving/): Efficiencies in electronic payments reduce merchant costs compared to cash transactions
- [Washington Reporter: “Business-to-business solutions are always preferable”: U.S. Senator, Republican officials praise credit card settlement](https://electronicpaymentscoalition.org/2025/11/12/washington-reporter-business-to-business-solutions-are-always-preferable-u-s-senator-republican-officials-praise-credit-card-settlement/): WASHINGTON, DC — The Washington Reporter yesterday reported on the support a private sector agreement between Visa, Mastercard, and merchants is receiving from Congress. The private sector agreement would lower interchange rates and provide merchants with more flexibility in accepting payments. One source said this agreement should “end quixotic campaign to have a federal takeover of the credit card industry”, through the Durbin-Marshall Credit Card Mandates.
- [Wall Street Journal: A Priceless Credit-Card Settlement](https://electronicpaymentscoalition.org/2025/11/11/wall-street-journal-a-priceless-credit-card-settlement/): WASHINGTON, DC — This week, The Wall Street Journal Editorial Board published an op-ed criticizing Senators Dick Durbin and Roger Marshall’s continued push for their misguided Credit Card Mandates, noting that Visa and Mastercard’s new settlement with merchants proves the market can resolve disputes without government intervention. The full article is copied below and can be viewed HERE. 
- [EPC Statement on Merchant–Payment Network Settlement Agreement](https://electronicpaymentscoalition.org/2025/11/10/epc-statement-on-merchant-payment-network-settlement-agreement/): Date: November 10, 2025Media Contact: Nick SimpsonNick@electronicpaymentscoalition.org
- [EPC Hill Drop Highlights Harm from Durbin Amendment](https://electronicpaymentscoalition.org/2025/10/30/epc-hill-drop-highlights-harm-from-durbin-amendment/): Durbin debit card mandates foreshadow impact of Durbin-Marshall credit card mandates
- [EPC Releases Statement on Illinois Credit Card Chaos Law Hearing](https://electronicpaymentscoalition.org/2025/10/22/epc-releases-statement-on-illinois-credit-card-chaos-law-hearing/): Date: October 22, 2025Media Contact:Nick SimpsonNick@electronicpaymentscoalition.org
- [A Haunted History: Durbin Debit Mandates Offer Cautionary Tale for Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/10/08/a-haunted-history-durbin-debit-mandates-offer-cautionary-tale-for-durbin-marshall-credit-card-mandates/): WASHINGTON, DC— The Electronic Payments Coalition (EPC) this month marked the 14th anniversary of the implementation of the Durbin Amendment with a new Halloween-themed national campaign to show the harm the mandates caused consumers and small businesses. The campaign uses the debit mandates, which set price controls and routing mandates on Americans’ debit cards, as a cautionary tale for what would happen should Congress pass the Durbin-Marshall Credit Card Mandates. The campaign, titled “The Ghostly Impact of Durbin’s Debit Mandates on Your Wallet,” highlights the haunted history of the Durbin Amendment. The amendment was slipped into legislation at the last minute and led to higher costs for families and small businesses, decreased access to free checking, increased data security risks, and the loss of debit card rewards.  
- [What People Are Saying about the Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/09/29/what-people-are-saying-about-the-durbin-marshall-credit-card-mandates-2/): Americans across the country are speaking out against harmful credit card mandates.
- [Latest Data Confirms Credit Cards as Most Secure Payment Method](https://electronicpaymentscoalition.org/2025/09/24/latest-data-confirms-credit-cards-as-most-secure-payment-method/): Credit cards were ranked as the most secure payment method by consumers, who rely on credit cards for fraud prevention and response measures, according to data compiled by the Electronic Payments Coalition. Credit card networks, like Visa and Mastercard, invest billions of dollars into security measures to stay a step ahead of hackers and criminals. These investments led to these networks blocking more than $60 billion in fraud last year, saving U.S. households hundreds of dollars.
- [Credit Card Cashback Rewards Vital for Families’ Back-to-School Shopping](https://electronicpaymentscoalition.org/2025/08/18/credit-card-cashback-rewards-vital-for-families-back-to-school-shopping/): LMI cashback redemption surpasses every other income bracket during back-to-school shopping season
- [Credit, Debit Card Payments Fuel Restaurant Sales & Growth](https://electronicpaymentscoalition.org/2025/07/17/credit-debit-card-payments-fuel-restaurant-sales-growth-2/): WASHINGTON – An industry report released earlier this year by the National Restaurant Association shows how credit and debit cards are allowing restaurants to keep pace with changing consumer demands. The association’s research paper found mobile ordering – made possible through card and other forms of electronic payments – is now “a key revenue driver and an essential way to engage consumers,” according to the National Restaurant Association’s chief economist.
- [Credit, Debit Card Payments Fuel Restaurant Sales & Growth](https://electronicpaymentscoalition.org/2025/07/17/credit-debit-card-payments-fuel-restaurant-sales-growth/): WASHINGTON – An industry report released earlier this year by the National Restaurant Association shows how credit and debit cards are allowing restaurants to keep pace with changing consumer demands. The association’s research paper found mobile ordering – made possible through card and other forms of electronic payments – is now “a key revenue driver and an essential way to engage consumers,” according to the National Restaurant Association’s chief economist.
- [Card Payments Save Small Businesses $350M+ This Independence Day](https://electronicpaymentscoalition.org/2025/07/02/card-payments-save-small-businesses-350m-this-independence-day/): According to retail industry research, processing cash is more costly for businesses than accepting credit cards
- [EPC Applauds U.S. Senate for Excluding Durbin-Marshall Credit Card Mandates from GENIUS Act](https://electronicpaymentscoalition.org/2025/06/17/epc-applauds-u-s-senate-for-excluding-durbin-marshall-credit-card-mandates-from-genius-act/): WASHINGTON, DC — Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after the U.S. Senate excluded the Durbin-Marshall credit card mandate amendment from the legislative process surrounding the GENIUS Act:
- [Governor Pritzker Signs Law Delaying the Implementation of Flawed Interchange Fee Prohibition Act](https://electronicpaymentscoalition.org/2025/06/16/governor-pritzker-signs-law-delaying-the-implementation-of-flawed-interchange-fee-prohibition-act/): Springfield, Ill… Illinois Governor J.B. Pritzker signed into a law legislation that delays the implementation of the flawed Interchange Fee Prohibition Act to July 1, 2026. This law is currently being challenged in federal courts, with a partial preliminary injunction giving protection to federally chartered and national institutions while leaving Illinois banks, credit unions, small business owners and consumers in the path of chaos.
- [New Study Confirms Durbin-Marshall, State Credit Card Mandates Hurt Community Banks, Credit Unions, Consumers](https://electronicpaymentscoalition.org/2025/06/09/new-study-confirms-durbin-marshall-state-credit-card-mandates-hurt-community-banks-credit-unions-consumers/): A new study from the University of Miami’s School of Finance offers yet further confirmation that proposed mandates in the Durbin Marshall Credit Card Bill, as well as similar state-level interchange legislation, would reduce revenue and increase costs for community banks and credit unions, despite so-called exemptions for these smaller financial institutions.
- [Joint Op-Ed: Proposed Credit Card Mandates Benefit Corporate Mega-Stores, Not Consumers](https://electronicpaymentscoalition.org/2025/06/09/joint-op-ed-proposed-credit-card-mandates-benefit-corporate-mega-stores-not-consumers/): American Banker recently published an op-ed by American Bankers Association's (ABA) Rob Nichols, America's Credit Unions' Jim Nussle, and Independent Community Bankers of America's (ICBA) Rebeca Romero Rainey highlighting the harm of the proposed Durbin-Marshall Credit Card Bill.
- [CRS Report: “Unclear” Who Durbin-Marshall Credit Card Bill Benefits](https://electronicpaymentscoalition.org/2025/06/06/crs-report-unclear-who-durbin-marshall-credit-card-bill-benefits/): The Congressional Research Service (CRS) released a report questioning whether small businesses or consumers would see any benefit from the new government mandates in the Durbin-Marshall Credit Card Bill.
- [Durbin-Marshall Mandates: Tipping the Scales for Corporate Mega-Stores](https://electronicpaymentscoalition.org/2025/06/04/durbin-marshall-mandates-tipping-the-scales-for-corporate-mega-stores/): EPC_Scale One Pgr_FinalDownload
- [ICYMI: Latest GAO Report Outlines Benefits of Credit Cards](https://electronicpaymentscoalition.org/2025/06/02/icymi-latest-gao-report-outlines-benefits-of-credit-cards/): WASHINGTON, DC — The Government Accountability Office late last week publicly released a report requested by Senator Dick Durbin (D-IL) and Congressman Lance Gooden (R-TX) about the government’s use and acceptance of credit cards in November 2023. Durbin and Gooden were both sponsors of the Durbin-Marshall Credit Card Bill and requested the report of part of a government-wide retribution tour against companies opposed to their flawed mandates. Sen. Durbin also requested a hearing from the Consumer Financial Protection Bureau and the Department of Transportation. 
- [Community Banks & Credit Unions in Every State Oppose Durbin-Marshall](https://electronicpaymentscoalition.org/2025/06/02/community-banks-credit-unions-in-every-state-oppose-durbin-marshall/): Community Banks Credit Unions Oppose Durbin MarshallDownload
- [Illinois General Assembly Kicks Can on Credit Card Chaos](https://electronicpaymentscoalition.org/2025/06/01/illinois-general-assembly-kicks-can-on-credit-card-chaos/): Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after the Illinois General Assembly passed a delay of the IFPA:
- [GAO Report: Credit Cards Help Lower Costs for Government, Ease Payments](https://electronicpaymentscoalition.org/2025/05/30/gao-report-credit-cards-help-lower-costs-for-government-ease-payments/): New study finds card payments cheaper than cash & acceptance enhances operational efficiency, reduces administrative costs, lessens theft risks
- [Don’t Buy The Lie: Mega-Stores’ Mega-Billions Scheme](https://electronicpaymentscoalition.org/2025/05/22/dont-buy-the-lie-mega-stores-mega-billions-scheme/): WASHINGTON, DC – Corporate mega-stores are pushing a deceptive agenda to force new mandates on Americans’ credit cards — and it’s time to set the record straight. These mandates are nothing more than a market-distorting scheme that would hand massive profits to the biggest retailers while shifting the costs and risks to consumers, small businesses, and community financial institutions.
- [What People Are Saying about the Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/05/21/what-people-are-saying-about-the-durbin-marshall-credit-card-mandates/): Third-Parties-Bill-Reintro-WPAS-521-1Download
- [Durbin-Marshall Mandates Offered as Poison Pill Amendment](https://electronicpaymentscoalition.org/2025/05/20/durbin-marshall-mandates-offered-as-poison-pill-amendment/): WASHINGTON, DC — Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after Senator Roger Marshall (R-KS) filed the flawed Durbin-Marshall Credit Card Mandates as a “poison pill” amendment to the GENIUS Act:
- [Research On The Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/05/16/research-on-the-durbin-marshall-credit-card-mandates/)
- [ICYMI: Study Confirms Durbin-Marshall, State Credit Card Mandates Hurt Community Banks, Credit Unions, Consumers](https://electronicpaymentscoalition.org/2025/05/15/icymi-study-confirms-durbin-marshall-state-credit-card-mandates-hurt-community-banks-credit-unions-consumers/): WASHINGTON, DC — A new study from the University of Miami’s School of Finance offers yet further confirmation that proposed mandates in the Durbin Marshall Credit Card Bill, as well as similar state-level interchange legislation, would reduce revenue and increase costs for community banks and credit unions, despite so-called exemptions for these smaller financial institutions.
- [You’re Welcome!!! Cards Drive Approx. $8 Trillion in Retail Sales](https://electronicpaymentscoalition.org/2025/04/30/youre-welcome-cards-drive-approx-8-trillion-in-retail-sales/): As the Merchants Payments Coalition (MPC) continues sharing stats and figures without context, let’s look at this doozy from today. Their latest Tweet shares an article from the industry publication CSP discussing the booming business made possible by credit and debit cards.
- [Mega-Stores’ Mega-Billions Scheme Unveiled](https://electronicpaymentscoalition.org/2025/04/08/mega-stores-mega-billions-scheme-unveiled/): WASHINGTON, DC – Corporate mega-stores are continuing to push for new mandates on Americans’ credit cards. Despite the rhetoric and misguided talking points, the truth is these untested government mandates will threaten data security, jeopardize valuable reward programs families of all incomes us for travel and groceries, and put Main Street businesses at a competitive disadvantage.
- [Inflation, Government Red Tape Crushing Small Businesses and Restaurants ](https://electronicpaymentscoalition.org/2025/03/27/inflation-government-red-tape-crushing-small-businesses-and-restaurants/): WASHINGTON, DC – The Merchant Payments Coalition tried to take another swing this week at credit cards, blaming them for the challenges D.C. restaurants are facing. While this narrative may help their push for flawed credit card mandates, it’s a miss when it comes to the facts.
- [EPC Applauds Latest White House Executive Order on Modernizing Payments](https://electronicpaymentscoalition.org/2025/03/26/epc-applauds-latest-white-house-executive-order-on-modernizing-payments/): WASHINGTON, DC – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement on President Donald Trump’s latest Executive Order on improving payment efficiencies:
- [Financial Services Industry United in Opposition Against Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/03/25/financial-services-industry-united-in-opposition-against-durbin-marshall-credit-card-mandates/): WASHINGTON, DC – This week, 11 trade associations representing the financial services industry, including the American Bankers Association, America’s Credit Unions, Association of Military Banks of America, Bank Policy Institute, Consumer Bankers Association, Defense Credit Union Council, Independent Community Bankers of America, Electronic Payments Coalition, Mid-Size Bank Coalition of America, and National Bankers Association sent a joint letter to Congress warning any legislative initiatives to expand the power of the federal government to intervene in the U.S. credit card market would harm consumers, small businesses, and financial institutions.
- [In Their Own Words: The Benefits Of Credit Cards](https://electronicpaymentscoalition.org/2025/03/21/in-their-own-words-the-benefits-of-credit-cards/): WASHINGTON, DC – From small businesses to national parks, from charity organizations to government agencies, the shift toward electronic payments is helping operations, enhancing safety, and delivering cost savings. The advantages of accepting credit and debit cards go far beyond convenience. Businesses and public institutions are touting the benefits of electronic payments for safety, cost savings, and efficiency.
- [Promoting Small Businesses: Credit, Debit Cards Generated $12 Trillion in U.S. Economic Activity & Prevent Fraud ](https://electronicpaymentscoalition.org/2025/03/19/promoting-small-businesses-credit-debit-cards-generated-12-trillion-in-u-s-economic-activity-prevent-fraud/): WASHINGTON, DC – Sales through credit and debit card transactions drove nearly $12 trillion in economic activity in 2024, according to new purchase volume data from Nilson. "Credit and debit cards played a vital role in keeping our economy moving in 2024," said Richard Hunt, Executive Chairman of the Electronic Payments Coalition.
- [Letter to Editor: South Carolina families can’t afford more loss](https://electronicpaymentscoalition.org/2025/03/18/letter-to-editor-south-carolina-families-cant-afford-more-loss/): SC-Claude-Wheeler-LTE-The-Sumter-Item68Download
- [What They Are Saying: What People Are Saying about the Durbin-Marshall Credit Card Mandates](https://electronicpaymentscoalition.org/2025/03/11/what-they-are-saying-what-people-are-saying-about-the-durbin-marshall-credit-card-mandates/): https://electronicpaymentscoalition.org/wp-content/uploads/2025/04/What-People-Are-Saying-about-the-Durbin-Marshall-Credit-Card-Bill_March10_v2-1.pdf
- [BREAKING: New House Financial Services Chair STILL OPPOSES Durbin-Marshall Government Mandates](https://electronicpaymentscoalition.org/2025/02/14/breaking-new-house-financial-services-chair-still-opposes-durbin-marshall-government-mandates/): WASHINGTON, DC - Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement on new House Financial Services Committee Chair French Hill’s (R-Ark.) continued opposition to the Durbin-Marshall credit card mandates:
- [EPC Hires Larry Seyfried as Head of Federal Government Relations](https://electronicpaymentscoalition.org/2025/02/11/epc-hires-larry-seyfried-as-head-of-federal-government-relations/): WASHINGTON, DC—The Electronic Payments Coalition today announced Larry Seyfried has joined EPC as Managing Director of Federal Legislative Affairs. Seyfried will lead EPC’s legislative efforts alongside EPC Executive Chairman Richard Hunt.
- [EPC Statement – Government Credit Card Mandates Hurt Most Vulnerable Populations](https://electronicpaymentscoalition.org/2025/02/04/government-credit-card-mandates-hurt-most-vulnerable-populations/): WASHINGTON, DC – Electronic Payment Coalition Executive Chairman Richard Hunt issued the following statement on legislation from Senators Bernie Sanders (I-VT) and Josh Hawley (R-MO) imposing artificial government price controls on credit card interest rates:
- [The Facts & Consequences Supporters of Durbin-Marshall Don’t Want You To Know](https://electronicpaymentscoalition.org/2025/01/28/the-facts-consequences-supporters-of-durbin-marshall-dont-want-you-to-know/): New EU-style mandates on Americans’ credit cards will result in a windfall for the largest corporate mega-stores at the expense of Main Street businesses, consumers, credit unions and community banks.
- [New Study Finds Durbin-Marshall Credit Card Bill Could Cost U.S. Economy $227 Billion, 156K Jobs](https://electronicpaymentscoalition.org/2025/01/08/new-study-finds-durbin-marshall-credit-card-bill-could-cost-u-s-economy-227-billion-156k-jobs/): WASHINGTON, DC – New data by leading global economic forecaster Oxford Economics Research shows that the Durbin-Marshall credit card bill introduced in 2023 could create an economic slowdown for the U.S. costing $227 billion in lost economic activity and approximately 156,000 lost jobs. The impact to cities and states reliant on tourism could be catastrophic, causing top U.S. destination markets to suffer substantial consumer spending and job losses, putting local economies at risk of another downturn in the wake of the COVID pandemic.
- [EPC Applauds Congress for Protecting Consumers from a Government Credit Card Takeover](https://electronicpaymentscoalition.org/2024/12/21/epc-applauds-congress-for-protecting-consumers-from-a-government-credit-card-takeover/): WASHINGTON, DC – Electronic Payments Coalition (EPC) Executive Chairman Richard Hunt issued the following statement after the 118th Congress completed its legislative session without advancing the Durbin-Marshall Credit Card Bill:
- [Court Ruling Saves Illinois from Total Credit Card Chaos Next Year](https://electronicpaymentscoalition.org/2024/12/20/court-ruling-saves-illinois-from-total-credit-card-chaos-next-year/): WASHINGTON – The Electronic Payments Coalition (EPC) applauds the United States District Court in Chicago for granting a preliminary injunction for financial institutions regulated by the National Bank Act and Homeowners Credit Loan Act on the implementation of a controversial, first-in-the-nation state law that would have severely disrupted the credit card payment systems in Illinois.
- [EPC Statement on CFPB’s Politically-Motivated, Misleading Credit Card Circular](https://electronicpaymentscoalition.org/2024/12/18/epc-statement-on-cfpbs-politically-motivated-misleading-credit-card-circular/): WASHINGTON, DC – Electronic Payments Coalition Executive Chairman Richard Hunt today called the Consumer Financial Protection Bureau’s circular, which was purposefully released under embargo to avoid public scrutiny, on credit card reward programs politically-motivated and out of touch with the realties of how American families rely on these valuable reward benefits to fight record inflation.
- [EPC Statement on New HFSC Chair French Hill](https://electronicpaymentscoalition.org/2024/12/12/epc-statement-on-new-hfsc-chair-french-hill-2/): WASHINGTON, DC – EPC Executive Chairman, Richard Hunt, released the following statement after Congressman French Hill (AR-02) was elected to serve as the next Chairman of the House Financial Services Committee:
- [What They Are Saying: What People Are Saying about the Durbin-Marshall Credit Card Bill](https://electronicpaymentscoalition.org/2024/12/05/what-they-are-saying-what-people-are-saying-about-the-durbin-marshall-credit-card-bill-2/): WTASDownload
- [Cyber Monday’s $13 Billion Dollar Boost to the Economy, Powered by Electronic Payments](https://electronicpaymentscoalition.org/2024/12/02/cyber-mondays-13-billion-dollar-boost-to-the-economy-powered-by-electronic-payments/): WASHINGTON, DC – A new analysis by the Electronic Payments Coalition (EPC) highlights the billion-dollar economic impact electronic payments will deliver this Cyber Monday, one of the largest online shopping days of the year. With Americans projected to spend more than $13 billion online this Cyber Monday, electronic payments are fueling the economy and empowering businesses to thrive during the holiday season.  
- [The Facts & Benefits the New York Times Ignored About Credit Card Acceptance](https://electronicpaymentscoalition.org/2024/11/30/the-facts-benefits-the-new-york-times-ignored-about-credit-card-acceptance/): WASHINGTON, DC— A recent article in the New York Times about credit card use and small businesses misses the mark and willfully ignores several critical facts (despite an avalanche of evidence). Consumers and small businesses actively choose credit cards as a payment option because of the convenience, security, and benefits offered. Since the New York Times was not interested in the facts, I will share them with you:
- [How Electronic Payments Are Helping Make Thanksgiving Dinner More Affordable](https://electronicpaymentscoalition.org/2024/11/21/how-electronic-payments-are-helping-make-thanksgiving-dinner-more-affordable/): The Electronic Payments Coalition (EPC) shares new research today, demonstrating the value of electronic payments for small businesses and consumers this Thanksgiving.
- [WSJ: Durbin-Marshall “Credit-Card Plan Would Backfire on Consumers”](https://electronicpaymentscoalition.org/2024/11/21/wsj-durbin-marshall-credit-card-plan-would-backfire-on-consumers/): The Wall Street Journal Editorial Board recently published a scathing op-ed criticizing the Durbin-Marshall Credit Card Bill and Senator Dick Durbin’s effort to push the harmful legislation through a lame-duck session of Congress.
- [Setting the Record Straight on Senate Judiciary’s Bias, Flawed Credit Card Hearing](https://electronicpaymentscoalition.org/2024/11/19/setting-the-record-straight-on-senate-judiciarys-bias-flawed-credit-card-hearing/): WASHINGTON, DC -- The Senate Judiciary Committee just wrapped up a hearing with a litany of erroneous claims and outright misconceptions spread by supporters of the Durbin-Marshall Credit Card Bill.
- [Associations Representing Banks and Credit Unions of All Sizes Call on Congress to Reject New Credit Card Mandates](https://electronicpaymentscoalition.org/2024/11/18/associations-representing-banks-and-credit-unions-of-all-sizes-call-on-congress-to-reject-new-credit-card-mandates/): WASHINGTON — Any legislative initiatives to expand the power of the federal government to intervene in the U.S. credit card market would harm small businesses and consumers across the country, the American Bankers Association, America’s Credit Unions, Bank Policy Institute, Consumer Bankers Association, Electronic Payments Coalition, Independent Community Bankers of America, Mid-Size Bank Coalition of America, and National Bankers Association told members of the Senate Judiciary Committee in a new letter sent to lawmakers today.
- [Credit, Debit Card Transactions Drive $93+ Trillion in Economic Activity Since 2006](https://electronicpaymentscoalition.org/2024/11/18/credit-debit-card-transactions-drive-93-trillion-in-economic-activity-since-2006/): WASHINGTON, DC – Sales through credit and debit card transactions have driven more than $93 trillion in economic activity since 2006, according to purchase volume data from Nilson.
- [Credit Card Hearing Latest Stop on Durbin-Marshall Retribution Tour](https://electronicpaymentscoalition.org/2024/11/12/credit-card-hearing-latest-stop-on-sen-durbin-marshall-retribution-tour/): WASHINGTON, DC – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after Senate Judiciary Chairman Dick Durbin again politicized his committee to hold a retaliatory hearing, aiming to push new mandates on Americans’ credit cards:
- [Court Ruling Could Prevent Credit Card Chaos for Illinois Small Businesses & Consumers](https://electronicpaymentscoalition.org/2024/10/30/court-ruling-could-prevent-credit-card-chaos-for-illinois-small-businesses-consumers/): WASHINGTON, DC – Electronic Payments Coalition Executive Chairman Richard Hunt issued the following statement after the United States District Court for the Northern District of Illinois heard oral arguments in an injunction lawsuit brought against a new state law by the Illinois Bankers Association and Illinois Credit Union League:
- [Study Shows New Illinois Law Will Line the Pockets of the Largest Mega-Stores, Bear Costs on Small Businesses](https://electronicpaymentscoalition.org/2024/10/28/study-shows-new-illinois-law-will-line-the-pockets-of-the-largest-mega-stores-bear-costs-on-small-businesses/): A new study analyzing the cost implications of an Illinois credit card law shows corporate mega-stores will be the largest beneficiaries of the law, which carves tax and tip out of credit card interchange. According to the report, 40 of the largest retailers will soak up nearly 40 percent of the estimated $118 million reduction in interchange. The top 10 largest retailers – Amazon, Walmart, Home Depot, Verizon, Apple, AT&T, Costco, CVS, Walgreen and Kroger – will receive 21.4 percent of the savings. The remainder of the savings to be split amongst approximately 1.3 million small businesses in Illinois will be a wash after factoring the operational costs to implement the new system.
- [Commentary: Do you trust retailers to secure consumer payments? We don’t](https://electronicpaymentscoalition.org/2024/10/24/commentary-do-you-trust-retailers-to-secure-consumer-payments-we-dont/): Richmond Times-Dispatch Op-Ed: Commentary: Do you trust retailers to secure consumer payments? We don't
- [New Campaign Highlights “Ill-Conceived,” “Unlawful’ Nature & Lopsided Benefits of Illinois Card Law](https://electronicpaymentscoalition.org/2024/10/16/new-campaign-highlights-ill-conceived-unlawful-nature-lopsided-benefits-of-illinois-card-law/): As the legal battle over a new Illinois credit and debit card processing law continues in federal court, the Electronic Payments Coalition this week launched a statewide, seven-figure ad buy highlighting the credit card chaos the law would bring. The new ad campaign draws heavily from legal opposition filed by federal regulators to the law as well as a new study showing the nation’s largest corporate mega-stores will be the largest beneficiary of the law. 
- [New Study: Credit Card Interchange Flat for a Decade; Consumers Value Credit Card Security](https://electronicpaymentscoalition.org/2024/10/11/new-study-credit-card-interchange-flat-for-a-decade-consumers-value-credit-card-security/): WASHINGTON, DC -- Today, the Electronic Payments Coalition (EPC) released its 2024 Q3 Data Dashboard, which highlights the emerging trends within the credit and debit markets.
- [Once Again … It’s NOT About Small Businesses](https://electronicpaymentscoalition.org/2024/10/11/once-again-its-not-about-small-businesses/): Senator Durbin and supporters of the Durbin-Marshall Credit Card Bill might say they are trying to help small businesses, but their actions always point to the contrary.
- [Office of the Comptroller of Currency Says Illinois’ Interchange Fee Prohibition Act is “ill-conceived, highly unusual and largely unworkable”](https://electronicpaymentscoalition.org/2024/10/08/office-of-the-comptroller-of-currency-says-illinois-interchange-fee-prohibition-act-is-ill-conceived-highly-unusual-and-largely-unworkable/): Washington, DC – The Office of the Comptroller of Currency (OCC) filed a scathing amicus brief last week highlighting the glaring flaws in a new credit and debit card law set to take effect on July 1, 2025. The OCC called the law “bad policy and an unlawful interference with federally granted powers.”
- [EPC Statement on Durbin Legal Brief](https://electronicpaymentscoalition.org/2024/10/04/epc-statement-on-durbin-legal-brief/): Date: October 4, 2024Media Contact:Nick SimpsonNick@electronicpaymentscoalition.org
- [What People Are Saying About Illinois’ Credit Card Chaos: OCC Edition](https://electronicpaymentscoalition.org/2024/10/03/what-people-are-saying-the-office-of-the-comptroller-of-the-currency-edition/): WASHINGTON, DC— An amicus brief filed yesterday by the Office of the Comptroller of Currency (OCC) highlights the glaring flaws in a new credit and debit card law set to take effect on July 1, 2025 in Illinois. This hastily passed law to carve tax and tip out of interchange processing costs will only benefit the pockets of the corporate mega-retailers while creating chaos at the register with little to no savings for millions of small businesses.
- [Durbin Airline Bill Latest Attempt to Weaponize Federal Government ](https://electronicpaymentscoalition.org/2024/09/26/durbin-airline-bill-latest-attempt-to-weaponize-federal-government/): WASHINGTON, DC— Electronic Payments Coalition (EPC) Executive Chairman Richard Hunt issued the following statement on Senator Dick Durbin’s latest legislation targeting American companies and workers who have spoken out against the Durbin Marshall Credit Card Bill:

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- [Cashback to School with EPC](https://electronicpaymentscoalition.org/cashback-to-school-with-epc/): As summer ends, American families prepare for back-to-school shopping, relying on credit cards as their go-to payment method for careful budgeting and secure transactions. Cashback rewards, the most popular credit card reward program, are earned at the same rate across income levels, but households with incomes of $60,000 or less redeem these rewards more than any other income bracket during this season to offset school supply costs. Credit cards offer unmatched rewards and strong fraud protection, helping families stretch every dollar and shop with peace of mind. 
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- [There’s a Skunk In The BIMP!](https://electronicpaymentscoalition.org/theres-a-skunk-in-the-bimp/): It's time to stop and study before you take rewards and data protections from 7 million Illinois credit card holders.
- [Why Congress Should Oppose the Big-Box Bill](https://electronicpaymentscoalition.org/oppose-ccca-2/): In July of 2022, U.S. Senator Dick Durbin (D-IL) and Senator Roger Marshall (R-KS) introduced legislation that would enact harmful credit card routing mandates. Senator Durbin reintroduced his “Big-Box Bill” (S. 1838) in June of 2023. A companion House version (H.R. 3881) was introduced by Representative Lance Gooden (R-TX) and Representative Zoe Lofgren (D-CA). This legislation would allow big-box retailers–like Walmart and Target–to process credit card transactions based solely on what is cheapest for them without regard to the value that consumers derive from rewards and many other benefits. This would add billions of dollars to the bottom lines of mega-retailers every year while eliminating almost all the funding that goes towards popular credit cards rewards programs, weakening cybersecurity protections, and reducing access to credit.
- [Why Congress Should Oppose the Big-Box Bill (The Credit Card Competition Act)](https://electronicpaymentscoalition.org/oppose-ccca/): In July of 2022, U.S. Senator Dick Durbin (D-IL) and Senator Roger Marshall (R-KS) introduced legislation that would enact harmful credit card routing mandates. Senator Durbin reintroduced his "Big-Box Bill" (S. 1838) in June of 2023. A companion House version (H.R. 3881) was introduced by Representative Lance Gooden (R-TX) and Representative Zoe Lofgren (D-CA). This legislation would allow big-box retailers–like Walmart and Target–to process credit card transactions based solely on what is cheapest for them without regard to the value that consumers derive from rewards and many other benefits. This would add billions of dollars to the bottom lines of mega-retailers every year while eliminating almost all the funding that goes towards popular credit cards rewards programs, weakening cybersecurity protections, and reducing access to credit.
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