The Electronic Payments Coalition

Credit card mandates threaten the programs and tools small businesses rely on to grow and compete. “A study by the University of Miami finance department found that one-tenth of all rewards flow to small businesses, which helps them keep more money in their bank accounts and invest in their employees. That same study projects that under Durbin-Marshall’s proposal, small businesses would lose $1 billion in rewards.” - Former West Wendover Mayor @DanielCoronaNV @rgj rgj.com/story/opinion/…

Fraud protections matter more than ever - misguided mandates that weaken these safeguards and upend the payments system have consequences Americans can’t afford. “Issuers have developed a solid reputation with consumers in preventing fraud, and dealing with it when it occurs, in part thanks to the funding that comes from network fees. Threaten that source of support, and we’re all suddenly playing a very dangerous game, especially when AI is enabling fraud to become more sophisticated by the day.” - @christaylor_nyc @CardRates cardrates.com/news/opinion-t…

Durbin-Marshall Credit Card Mandates Bill means fewer rewards, higher costs, and less access. “The [Durbin Marshall Credit Card Mandates] could weaken the system that supports those rewards by forcing transactions onto multiple payment networks…The likely result is fewer rewards, higher cardholder fees, and tighter credit. For a tourism community, that means fewer trips planned, shorter stays, and less spending once visitors arrive.” - Nic Diehl, CEO of Eastern West Virginia Regional Airport. @SenCapito @JimJustice_WV journal-news.net/opinion/local-…

Small businesses face countless challenges everyday - forcing laws to upend the payments system in favor of corporate megastores and huge chains would devastate small businesses. “Colorado’s small businesses face real challenges. Rising rents, insurance costs and workforce issues deserve serious legislative attention. But this bill doesn’t address those problems. It rearranges costs within the payments system in ways that benefit the nation’s largest retailers and chain restaurants at the expense of the financial institutions that serve Colorado families.” - @COBankersAssn’s @Jreneewaller @SenatorBennet @SenatorHick coloradopolitics.com/2026/03/11/swi…

🚨New PA bills threaten to cut the state off from global payments - raising costs and hitting families and small businesses hardest. “By carving out Pennsylvania from the global payments network, the legislation risks siphoning investment out of local communities, raising operational costs, and making life less affordable and more inconvenient for families and small businesses.” – Duncan Campbell (@PABankers), Patrick Conway (@CrossStateCUA), and Kevin Shivers (@PaCommBankers) pennlive.com/opinion/2026/0…

The Durbin-Marshall Mandates do not help small businesses. “This could create a lot of complexity and headaches for customers, but also for small businesses who rely on simple point of sale machines, and rely on this really seamless payment to accept credit cards and ultimately fund their business and the purchases that they’re making.” @TPGNick on Durbin-Marshall Credit Card Mandates. localnewslive.com/video/2026/03/…

Credit card mandates create more costs, more liability and more chaos for small businesses. “What small business owners need is stability, not more regulation that dictates how we run our businesses and disrupts the systems we rely on to succeed. Wyoming's Senators need to stand with the small businesses that keep our communities running and oppose government interference in the electronic payments system.” - Amanda Henry, owner of Brown Sugar Coffee Roastery. @WTEnews @SenJohnBarrasso @SenLummis wyomingnews.com/henry-durbin-m…

“The biggest beneficiaries of this bill are multibillion dollar corporations like Yum, McDonald’s and Walmart. They’re the ones who push for it, and they’re the ones who pocket the savings.” Colorado small businesses know SB 26-134 means credit card chaos, higher costs, and more headaches. Contact your lawmakers NOW and tell them to oppose SB 26-134. coloradosun.com/2026/03/13/col…

Americans cannot afford the cost of more failed mandates. “The Federal Reserve’s 2011 cap on debit card interchange fees, better known as the Durbin Amendment, failed to deliver promised consumer benefits, produced significant unintended consequences and ultimately benefited corporate megastores rather than consumers and small businesses.” The Durbin-Marshall credit card mandates risk repeating these same failures. @ABABankers bankingjournal.aba.com/2026/02/how-th…

Protect Mainstreet. Oppose Durbin-Marshall Mandates. “Community banks finance family-owned farms, small manufacturers, startups, and main-street businesses…When community banks lose interchange revenue, costs fall on depositors through higher fees and reduced services, and on borrowers through tighter credit. Congress should not repeat the policy mistake of 2010.” – @LSU’s @prof_narayanan louisianatradeandcommerce.com/post/opinion-c…

Credit Card Mandates threaten small business safety, security and success. “Small businesses wouldn't see the alleged benefits of the [Durbin Marshall Credit Card Mandates], but we'd still be forced to deal with the negative consequences. Pushing transactions onto alternative payment networks, many of which don't invest heavily in strong fraud prevention measures, puts small businesses at greater risk of fraud, chargebacks, and data breaches.” - Small business owner Amanda Henry @WTEnews wyomingnews.com/henry-durbin-m…

Price Controls = broken promises & harm to consumers. “The evidence is clear: debit card interchange fee caps distorted the payments ecosystem and failed to deliver promised savings, ultimately harming consumers. Extending similar price controls to credit cards would only repeat these mistakes, at the expense of the very consumers policymakers intend to protect.” – @ABABankers’ Tom Rosenkoetter bankingjournal.aba.com/2026/02/how-th…

Credit Card Mandates are a bait and switch for small businesses. “The real concern is that small businesses will not receive the reported benefits the bill is expected to create. Instead, they could lose security in their transactions, lose access to capital, and consumers could lose rewards.” – @sbpaymentsa’s John Stineman @965ksom westerniowatoday.com/2026/02/27/sma… sed-credit-card-legislation/

Credit Card Mandates are for corporate megastores, not consumers. “Any theoretical savings from [credit card] routing mandates are unlikely to show up as lower prices at the register. Instead, they are likely to appear as lost rebates, fewer points, and diminished card value for businesses.” – @calbankers’s Jason Lane @Sacbiz bizjournals.com/sacramento/new…

“The Durbin-Marshall Credit Card Mandates are a solution in search of a problem that will ultimately make credit less accessible and everyday purchases less secure for middle-class families” @sfsimpson1 @AmericasCUs americascreditunions.org/news-media/new…

ICYMI: Credit Cards deliver a 121% return and ~$26K in annual benefits for businesses. Accepting credit cards drives higher sales, meaningful savings, and provides fraud protection benefits — all adding up to real net value. NEW study: smallbusinesspaymentsalliance.com/2026/02/24/the…

🚨 America’s Credit Unions is launching a national digital advertising campaign urging Congress to reject the Durbin-Marshall credit card mandates and protect middle-class families' access to safe, secure card payments: bit.ly/4aBa6lC

🚫 Congress needs to vote NO to Durbin-Marshall credit card mandates! Our national advertising campaign - launching this week - will ensure that consumers and policymakers alike understand what is at stake. Learn more: bit.ly/4rDkgYZ

With over 6,000 #CUAdvocates in Washington, D.C. for #GAC2026, our nationwide ad campaign is also targeting Capitol Hill to urge lawmakers to oppose the Credit Card Competition Act. Get more details on our efforts: bit.ly/403srBI

Credit Cards Mandates threaten small business success. “...for businesses that rely on credit cards as core financial tools—not just payment mechanisms—these proposals risk unintended consequences that could raise costs and reduce flexibility.” – @calbankers’s Jason Lane @Sacbiz bizjournals.com/sacramento/new…