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Electronic Payments Coalition |

The Ghostly Impact of Durbin’s Debit Mandates on Your Wallet

This October marks the 14th anniversary of the implementation of the notorious Durbin Amendment, which mandated price controls on debit cards. Senator Dick Durbin—swayed by the interests of corporate mega-stores and the broader retail lobby—sneakily orchestrated the attachment of the Durbin Amendment to a bill at the eleventh hour without debate. A new EPC one-pager, copied below, highlights the harm that government payment mandates would cause to American households and small businesses.
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Electronic Payments Coalition |

Financial Services Coalition Sends Joint Letter to Senate Leaders Opposing Harmful Credit Card Mandates in National Defense Authorization Act (NDAA)

Eight 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, Electronic Payments Coalition, and Independent Community Bankers of America, sent a joint letter to Senate leaders opposing the inclusion of credit card mandate legislation by Senator Roger Marshall (R-KS) and Senator Dick Durbin (D-IL) in the FY2026 National Defense Authorization Act (NDAA).
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Electronic Payments Coalition |

WHO IS REALLY BEHIND EFFORTS TO CHANGE THE WAY CREDIT CARDS WORK?

Those pushing credit card chaos bills want you to think these are organic campaigns being brought by local small businesses and restaurant owners. In reality, these business owners and restaurant operators are being used by the nation’s largest corporate mega-stores and restaurant conglomerates in an aggressive, orchestrated campaign to help them make millions while local businesses are faced with costly equipment upgrades and headaches.
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All You Need to Know about the Durbin-Marshall Credit Card Bill

Megaretailers like Walmart, Target, and Home Depot are working to convince their allies in Congress to pass corporate welfare legislation paid for by American consumers. These Main Street job killing corporations want to impose new government mandates on how retailers process credit cards. It means the data and fraud protection you expect; rewards you use to pay for everyday items like gas and groceries; and convenience you have come to expect when using a credit card would all go away. This is exactly why the Durbin-Marshall Credit Card Bill is strongly opposed by a diverse and wide-ranging set of organizations and industries, including labor unions, small business owners, financial institutions including credit unions and community banks, policy institutes, trade associations, think tanks, and airlines. Here are the facts…
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