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  2. Credit CARD Act of 2009 - Wikipedia

    en.wikipedia.org/wiki/Credit_CARD_Act_of_2009

    The Consumer Financial Protection Bureau in its October 2013 report on the CARD Act found that between the first quarter of 2009 and December 2012, credit card interest rates increased on average from 16.2% to 18.5%, while the “total cost of credit,” that is, the total of all fees and interest paid by all consumers as a percentage of the ...

  3. Payment card interchange fee and merchant discount antitrust ...

    en.wikipedia.org/wiki/Payment_Card_Interchange...

    The payment card interchange fee and merchant discount antitrust litigation is a United States class-action lawsuit filed in 2005 by merchants and trade associations against Visa, Mastercard, and numerous financial institutions that issue payment cards. The suit was filed because of price fixing and other allegedly anti-competitive trade ...

  4. Ohio v. American Express Co. - Wikipedia

    en.wikipedia.org/wiki/Ohio_v._American_Express_Co.

    Ohio v. American Express Co., 585 U.S. ___ (2018), was a United States Supreme Court case regarding the nature of antitrust law in relationship to two-sided markets.The case specifically involves policies set by some credit card banks that prevented merchants from steering customers to use cards from other issuers with lower transaction fees, forcing merchants to pay higher transaction fees to ...

  5. Banks Extract Fees On Unemployment Benefits - AOL

    www.aol.com/2011/11/01/banks-extract-fees-on...

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  6. Credit Card Swipe Fees Facing Crackdown Legislation - AOL

    www.aol.com/finance/credit-card-swipe-fees...

    Introduced in the Senate at the end of July by Senators Dick Durbin (D-IL) and Roger Marshall, M.D. (R-KS), the Credit Card Competition Act of 2022 calls on the Federal Reserve System to prohibit ...

  7. Can a business charge for using a credit card? - AOL

    www.aol.com/finance/business-charge-using-credit...

    When a business charges a fee for a form of payment, whether in person, online or by phone, it’s called a surcharge. Credit card surcharges are applied when you use your credit card to make a ...

  8. Durbin amendment - Wikipedia

    en.wikipedia.org/wiki/Durbin_amendment

    The Durbin amendment, implemented by Regulation II, [ 1] is a provision of United States federal law, 15 U.S.C. § 1693o-2, that requires the Federal Reserve to limit fees charged to retailers for debit card processing. It was passed as part of the Dodd–Frank financial reform legislation in 2010, as a last-minute addition by Dick Durbin, a ...

  9. Authorization hold - Wikipedia

    en.wikipedia.org/wiki/Authorization_hold

    Authorization hold (also card authorization, preauthorization, or preauth) is a service offered by credit and debit card providers whereby the provider puts a hold of the amount approved by the cardholder, reducing the balance of available funds until the merchant clears the transaction (also called settlement), after the transaction is completed or aborted, or because the hold expires.