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Durbin Amendment

Debit Interchange Regulation and More

The Durbin Amendment, part of the Dodd-Frank Wall Street Reform and Consumer Protection Act in the United States, received a lot of attention from the very beginning. The Act was passed into law in July 2010, becoming Public Law 111-203. In a nutshell, the Durbin Amendment is debit interchange regulation. Calling for "reasonable interchange transaction fees for electronic debit transactions," it includes a variety of parameters and directs the Federal Reserve to be involved with establishing "reasonable" rates; the Fed announced final rates on June 29, 2011


On January 20, 2015, the Supreme Court declined to review the Durbin Amendment despite an appeal from retailers.

The Durbin Amendment, part of the Dodd-Frank Act of 2010, set caps on swipe and/or interchange fees for debit card transactions. The Federal Reserve announced final rates in 2011 reducing the cap on swipe/interchange fees from the average of around 40 cents to 21 cents per transaction.

Even though the Fed reduced the fees close to 50 percent, the original draft of the amendment called for the caps to be between 7 and 12 cents. This has caused disputes between retailers and banks, mainly because banks arugued for the 21 cent cap in order to expand consumer benefit programs. Retailers have since petitioned against the amendment as they did not see any expansion of these benefits; coincidentally they have seen them reduced or eliminated.

Visit the Industry Regulation section of the news to obtain more information.

Members, obtain more complete news and see a synopsis of what has occurred since the October 2011 implementation of debit interchange regulation (the aftermath).


About the Amendment and Related Rules

Industry Analyses

The Aftermath

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