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  • Navy Response To The Federal Reserve Board's Proposed Rule On Debit Card Interchange Fees And Routing 2011

Get Navy Response To The Federal Reserve Board's Proposed Rule On Debit Card Interchange Fees And Routing 2011-2025

Ngton, D C 2 0 5 5 1 Re: Docket No. R 14 04; RIN No 7100 AD63; Debit Card Interchange Fees and Routing Dear Ms. Johnson: This comment is in response to the proposed rules promulgated by the Board of Governors of the Federal Reserve System ("Board") on December 16, 2010 to implement Section 920 of the Electronic Fund Transfer Act, as updated by Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. As the nation's largest natural person credit union with $44 Billion in ass.

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How to fill out the NAVY Response to the Federal Reserve Board's Proposed Rule on Debit Card Interchange Fees and Routing online

This guide provides clear, step-by-step instructions for completing the NAVY Response to the Federal Reserve Board's Proposed Rule on Debit Card Interchange Fees and Routing online. It is designed to assist users of all experience levels in effectively filling out this important form.

Follow the steps to successfully complete the form online.

  1. Click the ‘Get Form’ button to access the form and open it in your preferred online editor.
  2. Begin by reviewing the header of the form. Ensure that your response is complete and accurately reflects your organization's information. Include your organization's name, address, and contact details.
  3. In the commentary section, articulate your response to the proposed rule. Clearly express the concerns regarding interchange fees and routing as detailed in your organization's perspective.
  4. Provide specific examples and data to support your claims. Refer to financial impacts, consumer rights, and the need for a balanced approach that considers both issuers and consumers.
  5. Review any specific questions outlined by the Federal Reserve Board. Ensure that your comments address these questions directly and provide thoughtful recommendations.
  6. Once your response is drafted, conduct a thorough review for clarity and coherence. Consider seeking feedback from colleagues to ensure the response is comprehensive.
  7. After finalizing the document, you can save changes, download, print, or share the completed form as needed.

Submit your comments online to ensure your voice is heard regarding the proposed rule.

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The Durbin Amendment is an amendment to a larger bill, the Dodd-Frank Wall Street Reform and Consumer Protection Act. Among other things, the Durbin Amendment capped the fee that businesses pay banks when they accept a debit card. The cap is 0.05% plus a flat $0.22 cent transaction fee.

§ 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 senator from Illinois, after whom the amendment is named.

The Board's Regulation II provides that an issuer subject to the interchange fee standard (a covered issuer) may not receive, for any electronic debit transaction, an interchange fee that exceeds $0.21 plus 0.05 percent multiplied by the value of the transaction, plus a $0.01 fraud-prevention adjustment, if eligible.

The Durbin Amendment imposed artificial price controls on the interchange fees merchants pay to use debit card networks, with the idea that merchants would pass their savings on to customers.

The Durbin Amendment requires the Federal Reserve to set a cap on debit card transaction interchange fees and mandated routing requirements for all debit card payment networks.

Regulation II (Debit Card Interchange Fees and Routing) establishes standards for assessing whether a debit card interchange fee received by a debit card issuer for an electronic debit transaction is reasonable and proportional to the costs incurred by the issuer with respect to the transaction.

In 2011, following the Durbin Amendment's passage, the Federal Reserve enacted their limit. The maximum interchange fee for debit card transactions was pegged at $0.21 plus 0.05% of the transaction. Card issuers were also allowed to charge an additional $0.01 for fraud detection.

In 2011, following the Durbin Amendment's passage, the Federal Reserve enacted their limit. The maximum interchange fee for debit card transactions was pegged at $0.21 plus 0.05% of the transaction.

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© Copyright 1997-2025
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Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
Privacy Notice
Legal Hub
Content Takedown Policy
Bug Bounty Program
About Us
Blog
Affiliates
Contact Us
Delete My Account
Site Map
Industries
Forms in Spanish
Localized Forms
State-specific Forms
Forms Kit
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate WorkFlow
DocHub
Instapage
Social Media
Call us now toll free:
+1 833 426 79 33
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232