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Tag: Durbin Amendment

Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Post author By Patrick M. Brenner
Post date December 25, 2025
No Comments on Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle

Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.

Tags Affordability Crisis, Banking Policy, Constitutional Law, Consumer Credit Policy, Corner Post Lawsuit, Court Of Appeals, credit access, Credit Availability, Credit Markets, Credit Redistribution, Credit Union Policy, Debit Card Transactions, Durbin Amendment, Economic Access, Economic Policy, Electronic Payments, Federal Reserve, Federal Reserve Board, Fifth Amendment Takings, financial inclusion, financial regulation, Financial Stability, Fraud Prevention, Household Finance, Interchange Fees, Interest Rate Caps, Lending Restrictions, Market Distortion, National Economic Impact, New York Fed Study, No Loan For You, Payment Infrastructure, Price Controls, Prime Borrowers, Public Policy Analysis, Regulatory Policy, Southwest Public Policy Institute (SPPI), Subprime Borrowers, Swipe Right, Unbanked Consumers, Underbanked Consumers

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Post author By Patrick M. Brenner
Post date September 25, 2025
No Comments on RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Originally published at realclearmarkets.com on September 22, 2025. Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Top Issues Updates

The Hill: Why senators’ efforts to kill overdraft fees is overkill

Post author By Patrick M. Brenner
Post date September 11, 2025
1 Comment on The Hill: Why senators’ efforts to kill overdraft fees is overkill

Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.

Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology Updates

Victory in Colorado: HB25-1282 Defeated

Post author By Patrick M. Brenner
Post date April 30, 2025
No Comments on Victory in Colorado: HB25-1282 Defeated

A harmful swipe fee price control bill was defeated in the Senate after passing the House, marking a major victory for economic freedom.

Tags Competition, Credit, Credit Card, Credit Card Rewards Programs, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, Swipe Fees, Taxes

Alaska Arizona California Colorado Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Public Opinion Texas The Constitution Top Issues Updates Utah

Fox Business: Credit card rewards are about to vanish, and guess who’s to blame?

Post author By Patrick M. Brenner
Post date April 5, 2025
1 Comment on Fox Business: Credit card rewards are about to vanish, and guess who’s to blame?

This isn’t just about miles and points; it’s about economic freedom and financial choice.

Tags Banking, Consumerism, Credit, Credit Card Rewards, Credit Card Rewards Programs, Credit Cards, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Finance, Interchange Fees, Summer Vacation, Swipe Fees, Travel

Alaska Arizona California Colorado Conservatism Courts Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Nevada New Mexico Oklahoma Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Texas The Constitution Top Issues Updates Utah

American Banker: Death by a thousand caps—State laws could kill credit card rewards

Post author By Patrick M. Brenner
Post date March 29, 2025
No Comments on American Banker: Death by a thousand caps—State laws could kill credit card rewards

A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.

Tags Credit Card Rewards Programs, Credit Cards, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, MasterCard, Price Controls, Supreme Court of the United States (SCOTUS), Swipe Fees, Transactions, Visa

Colorado Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

Post author By Patrick M. Brenner
Post date March 24, 2025
No Comments on Colorado’s House Bill 1282 Swipe Fee Legislation: A Price Control by Another Name

Colorado’s interchange swipe fee cap will ultimately harm small businesses, drive up banking costs, and gut credit card rewards.

Tags Competition, Credit, Credit Card, Credit Card Rewards Programs, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, Swipe Fees, Taxes

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance New Mexico Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme

Post author By Patrick M. Brenner
Post date February 28, 2025
5 Comments on Backdoor Price Control: New Mexico’s HB476 Interchange Fee Cap Scheme

New Mexico’s HB 476 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.

Tags Banking, Consumerism, Credit, Credit Cards, Debt, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, Rewards

Arizona Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap

Post author By Patrick M. Brenner
Post date February 28, 2025
1 Comment on Arizona End-Run: How HB 2629 Sneaks in a Credit Card Interchange Fee Cap

Price Controls Arizona Credit Card Interchange Fees

Arizona’s HB 2629 stealthily caps interchange fees by targeting sales tax, bypassing federal oversight while shifting costs to consumers and small businesses.

Tags Banking, Consumerism, Credit, Credit Cards, Debt, Dodd-Frank Wall Street Reform and Consumer Protection Act, Durbin Amendment, Interchange Fees, Rewards, Spending