The Durbin Amendment

The Durbin Amendment, a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act. became effective October 1st, 2011. The amendment assigns to the Federal Reserve the power to regulate debit card interchange fees. Accordingly, the Federal Reserve has set the maximum interchange fee an issuer can receive from a single debit card transaction at 0.05% and 21 cents, or 22 cents if implementing approved fraud control procedures. This fee limit applies to financial instutions with $10 billion or more in assets (regulated banks). Financial instutions with less than $10 billion in assets (un-regulated banks) will continue to receive the current interchange rates set by the card brands. The amendment includes additional provisions that directly effect all businesses accepting payment cards. For more information visit or enter this address into your web browser.

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