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Research Report 

The True Impact of Interchange Regulation: How Government Price Controls Increase Consumer Costs and Reduce Security

Legislation that mandated debit card payment routing and interchange price caps harmed the nation's banking system and consumers. If Durbin 2.0 passes, the negative impacts will be felt not just by consumers and banks but also by merchants.

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What You'll Learn in this Report

  • Merchants and any network that processes card transactions must be held accountable to a standard for fraud protection and data security 
  • The asset threshold tied to debit card transactions should be raised significantly 
  • Future credit card regulations should NOT be enacted because they harm both consumers and the banking system—with small, local community financial institutions suffering disproportionately given their much more limited resources 
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About Cornerstone Advisors

At Cornerstone Advisors, our goal is to deliver tangible business impact to financial institutions and fintechs. We know that when institutions improve their strategies, technology, and operations, enhanced financial performance naturally follows. Because we live by the philosophy that businesses can’t improve what they don’t measure, we show banks and credit unions how to use laser-focused measurement to make smarter technology decisions.