Durbin-Marshall Mandates: A Bad Deal for Small Businesses, Consumers, Community Banks, & Credit Unions

Study after study from respected economists, academics, independent think tanks, and nonpartisan government agencies shows these mandates do not lead to lower prices at the checkout. Instead, they disproportionately benefit the largest corporate mega-stores while harming Main Street small businesses, eliminating credit card rewards relied upon by families of all incomes, weakening the security and data protections consumers expect, and reducing economic activity in local communities by limiting access to credit and hurting tourism.

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