Regulation of Debit Interchange Fees

This report begins with a description of the debit payments process and network pricing. Possible effects of the Durbin Amendment on the banking system are then discussed in light of comments by Federal Reserve Board Chairman Ben Bernanke. Given that banks have increasingly relied upon non-interest or fee income during the past two decades, the decline in overall bank operating income may be material; smaller banks may be disproportionately affected because a large share of their fee income is generated through checking and savings deposits-related services. Technological developments by network providers, however, could reduce the revenues generated from this line of business for large and small banks even in the absence of the Durbin Amendment. Bills: H.R. 1081, S. 575, S. 782


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#	File Name	Document Date	Order ID:	Number of Pages	Price
1	R41913.pdf	Jul 12, 2011	R41913	7	$29.95	Add to Cart

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