Page 31 – Electronic Payments Coalition

ICLE: The Economics of Payment Card Interchange Fees and the Limits of Regulation

Electronic Payments Coalition June 2, 2010 No Comments

This study by Todd J. Zywicki identifies both the theoretical and actual failings of such debit regulation. Payment cards are a secure, inexpensive, welfare-increasing payment mechanism largely unlike any other…

Hand Written Notes of Senator Durbin

Electronic Payments Coalition January 1, 2010 No Comments

Senator Durbin’s last-minute hand written notes added to his amendment.

Fact Sheet: Checks And Debit Cards Aren’t The Same

Electronic Payments Coalition March 24, 2009 No Comments

Fact sheet explaining how retailers are arguing for pricing parity between debit cards and checks even though they know that checks are not free, are a far more risky form of…

Credit Card Market: Economic Benefits and Industry Trends

Electronic Payments Coalition March 1, 2009 No Comments

In this study, “Credit Cards and Small Business: The Benefits, Opportunities and Policy Debate,” SBE Council Chief Economist Raymond J. Keating highlights key moments in the history of the credit…

Competitive Enterprise Institute Report: Payment Card Networks under Assault

Electronic Payments Coalition January 1, 2009 No Comments

This issue analysis report explains how capping interchange fees will hurt consumers, charities, community banks, and credit unions.

2009 GAO Report on Interchange Regulation

Electronic Payments Coalition January 1, 2009 No Comments

The 2009 GAO study on interchange states that consumers could be harmed if Congress acts to lower what merchants pay to accept debit and credit.

De Nederlandsche Bank Research on Interchange Fees

Electronic Payments Coalition December 2, 2008 No Comments

An empirical analysis of surcharging card payments and payment behaviour in the Netherlands.

Thomas Jefferson School of Law Study

Electronic Payments Coalition September 1, 2008 No Comments

This study argues that banking services benefit customers compared to systems where retailers deny card use.

United States General Accounting Office Report to the Congressional Requestors

Electronic Payments Coalition May 1, 2008 No Comments

The GAO reports that federal entities are taking actions to limit their interchange fees, but additional revenue collection cost savings may exist.

Regulatory intervention in the payment card industry by the Reserve Bank of Australia

Electronic Payments Coalition April 28, 2008 No Comments

This CRA International report illustrates that, due to interchange regulation, on average, the annual fees paid by consumers increased 22 percent from 2001 to 2004 while annual fees for rewards…

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ICLE: The Economics of Payment Card Interchange Fees and the Limits of Regulation

Hand Written Notes of Senator Durbin

Fact Sheet: Checks And Debit Cards Aren’t The Same

Credit Card Market: Economic Benefits and Industry Trends

Competitive Enterprise Institute Report: Payment Card Networks under Assault

2009 GAO Report on Interchange Regulation

De Nederlandsche Bank Research on Interchange Fees

Thomas Jefferson School of Law Study

United States General Accounting Office Report to the Congressional Requestors

Regulatory intervention in the payment card industry by the Reserve Bank of Australia

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