March 29, 2009 Small biz benefits when accepting credit/debit Small business owners discussing the benefits of accepting credit and debit. More
March 24, 2009 Fact Sheet: Checks And Debit Cards Aren’t The Same Fact sheet explaining how retailers are arguing for pricing parity between debit cards and checks even though they know that checks are not free, are a far more risky form of payment and an option they already have the ability to encourage. More
March 1, 2009 Credit Card Market: Economic Benefits and Industry Trends In this study, “Credit Cards and Small Business: The Benefits, Opportunities and Policy Debate,” SBE Council Chief Economist Raymond J. Keating highlights key moments in the history of the credit card business, and notes how the modern system works. Keating looks at the “interchange fee,” and helps readers understand the economics of “two-sided markets.” He walks through the facts, the trends, the numbers, and the many benefits to small businesses. More
January 1, 2009 Competitive Enterprise Institute Report: Payment Card Networks under Assault This issue analysis report explains how capping interchange fees will hurt consumers, charities, community banks, and credit unions. More
January 1, 2009 2009 GAO Report on Interchange Regulation The 2009 GAO study on interchange states that consumers could be harmed if Congress acts to lower what merchants pay to accept debit and credit. More
December 2, 2008 De Nederlandsche Bank Research on Interchange Fees An empirical analysis of surcharging card payments and payment behaviour in the Netherlands. More
September 1, 2008 Thomas Jefferson School of Law Study This study argues that banking services benefit customers compared to systems where retailers deny card use. More
May 1, 2008 United States General Accounting Office Report to the Congressional Requestors The GAO reports that federal entities are taking actions to limit their interchange fees, but additional revenue collection cost savings may exist. More
April 28, 2008 Regulatory intervention in the payment card industry by the Reserve Bank of Australia This CRA International report illustrates that, due to interchange regulation, on average, the annual fees paid by consumers increased 22 percent from 2001 to 2004 while annual fees for rewards cards increased by 47-77 percent. More
January 27, 2007 Statement for the Record Before the Committee on Banking, Housing and Urban Affairs This statement outlines how the proposed rate for debit card interchange does not come close to covering all of the costs that a debit card issuer incurs, much less the value the issuer provides in performing the services from which merchants directly benefit. More
April 30, 2024 New Study Shows LMI Households Rely on Credit Card Rewards EPC Read Press Releases / Statements
May 7, 2024 Joint Op-Ed: Proposed Credit Card Mandates Benefit Corporate Mega-Stores, Not Consumers American Banker Read Op-Ed
May 2, 2024 What People Are Saying about the Durbin-Marshall Credit Card Bill EPC Read Press Releases / Statements