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 6121The Convergence Law Institute argues that interchange regulations are a series of detailed interventions into specific parts of a complicated financial ecosystem which lack sufficient guidance as to how the FRB agency should deal with the ramifications of these interventions on other parts of the system, or on the system as a whole.