Studies, Reports, Analyses

Below is a compilation of relevant information, studies, reports, and analyses on the issue of interchange and the impact of legislation or regulation on consumers, small businesses, and financial institutions.

Links

• Consumers and Small Businesses Will Lose from Proposed Debit Card Interchange Rule -- Evans, Litan & Schmalensee
• The Dangerous Experiment of the Durbin Amendment -- Cato Institute
• The Heritage Foundation -- The Durbin Debit Card Interchange Fee Hurts Consumers
• Independent Community Bankers Association Survey: Fed Debit Card Rule Will Harm Community Bank Customers
• Filene Research Institute – “Interchange Regulation: Implications for Credit Unions”
• 2009 GAO Report on Interchange Regulation
• 2008 GAO Report on Government Use of Credit and Debit Cards
• Competitive Enterprise Institute – “How Capping Interchange Fees Will Hurt Consumers, Charities, Community Banks, and Credit Unions”
• Interchange Regulation in Australia – Report from CRA International
• Cross Subsidies for Cash and Card Payments – Professor Steven Semeraro, Thomas Jefferson School of Law
• The Economics of Payment Card Networks – Professor Todd Zywicki, George Mason University School of Law
• Surcharging on Card Payments – Netherlands Study
• Consumer Payment Methods at Supermarkets – Phoenix Marketing International Study
• Fact Sheet: Checks and Debit Cards Aren't The Same