EPC educates policymakers, consumers & the media on the value, innovation, convenience, security & competition that exists in the electronic payments system.
Washington, DC
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The Small Business–Credit Card Agreement delivers real relief for merchants, without overreaching government mandates.
More than $200 billion in relief. Guaranteed reductions in interchange rates. More flexibility for merchants. Existing fraud and data protections preserved.
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Credit cards help power the economy. 💳
$23.4B in economic impact from rewards
96% of fraud losses blocked or refunded
87% of new small business owners say electronic payments were essential to launching
Protect the payments system Americans depend on.
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FALSE PROMISES: The Durbin-Marshall Credit Card Mandates would NOT save consumers money. 💸
“Nothing requires businesses to lower their prices. That’s never happened in other countries that have regulated interchange.” – @garyleff
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The Durbin-Marshall Credit Card Mandate would weaken the fraud protections and card benefits that small business owners like Defilippis depend on.
@bangordailynews @SenatorCollins @SenAngusKing
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After the 2010 Durbin Amendment, 98% of merchants raised prices or kept them the same. History says the Durbin-Marshall Amendment would deliver the same result.
Montana’s community banks would take the hit too, losing the revenue they need to keep credit affordable for small businesses.
@missoulian @SteveDaines @TimSheehyMT
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Arizona welcomed more than 647,000 visitors funded by frequent flyer miles in 2024, adding nearly $992 million to the state’s economy. ✈️
@GovBrewer warns the Durbin-Marshall Credit Card Mandates could end the travel rewards programs fueling Arizona tourism. That's a $29.7 billion industry for the state. 💸
@SenMarkKelly @SenRubenGallego
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Montana’s small businesses shouldn’t pay the price for a bill that hands corporate megastores over $1 billion, while merchants lose the same in rewards and credit card access. 💰
@missoulian
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“Senator Marshall and Senator Durbin are promising a discount at the gas pump and the grocery store that their bill never requires anyone to provide,” says @JasonStverak of @DCUC_HQ.
Military families could lose the fraud protection, affordable credit, and financial services they count on 🛡️. And corporate mega-stores still wouldn’t be required to pass on a dime in savings.
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“It's especially bad for credit unions,” - @AmericasCUs President and CEO Scott Simpson.
The Durbin-Marshall Credit Card Mandates would result in less affordable credit, less ability for credit unions to deploy resources to protect members from fraud and scams, and less capital available for small businesses.
@BreitbartNews
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Consumers of all income levels benefit from credit card rewards.
Working- and middle-class families redeem rewards at the same rate as higher-income households, and those rewards can have an even bigger impact on their budgets. 💳
@Fla_Pol @SenRickScott @SenAshleyMoody
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Back-to-school season means added pressure on family budgets. 🎒
Credit card rewards give working families a financial boost when budgets are stretched.
Rewards matter most to working families.
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“Blaming the payment card for an oil-driven increase is like blaming the cash register for inflation,” says @JasonStverak of @DCUC_HQ.
Card processing rates have remained stable for more than a decade, and interchange is already capped at the pump.
The Durbin-Marshall Credit Card Mandates won’t lower gas prices – they’ll deliver another giveaway to corporate mega-stores while consumers are left waiting for promised savings.
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Thank you, @AmericasCUs, for joining us in this important conversation and for standing with us to protect America’s secure payments system. The Durbin-Marshall Credit Card Mandates put consumers, small businesses, community financial institutions, and the rewards millions of Americans rely on at risk. @SecScottBessent @USTreasury @BreitbartNews @sfsimpson1
This morning, President/CEO Scott Simpson highlighted what’s at stake in the fight against the Credit Card Competition Act before @USTreasury Secretary Scott Bessent took the stage to discuss the state of the U.S. economy. Thank you to @EPC_Updates and @CapitalOne for standing with us in protecting consumers and pushing back against harmful interchange mandates.
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Florida families redeemed nearly $2 BILLION in cashback rewards in 2024. 💳
That includes $563 million going back into the pockets of households earning less than $65,100.
Credit card rewards deliver real value for working families, especially during back-to-school season. ✏️📓
@Fla_Pol @SenRickScott @SenAshleyMoody
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Fewer resources for community banks and credit unions means fewer opportunities for small businesses.
The Durbin-Marshall Credit Card Mandates would hit small business owners and entrepreneurs the hardest.
@SenMarkKelly @SenRubenGallego
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“Given the similarities between the Durbin Amendment and the [Durbin-Marshall Credit Card Mandates], it is likely to have the same consequences. For consumers, this means fewer rewards and reduced access. This is a long way from the promised savings,” says @leahmlocke
Read more in @realclearpolicy:
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📢 EPC's @cajunbanker: "Credit card rewards are economic engines. They help families afford trips, and those trips put money in the pockets of local restaurants, hotels and small businesses."
Protecting rewards is protecting American jobs and small businesses. ⬇️
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American travel is booming, and credit card rewards are helping fuel it.
✈️15M+ Americans booked domestic flights using airline card points in 2024
💸 $24B in economic activity generated nationwide
The Durbin-Marshall Credit Card Mandates put that growth at risk. ⬇️
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Small businesses shouldn’t have to pay the price for bad policy designed to give corporate megastores an even bigger advantage.
The Durbin-Marshall Mandates puts the access, safety and rewards entrepreneurs rely on at risk.
@SenMarkKelly @SenRubenGallego
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Credit cards help power the economy.
💳$23.4B in economic impact from rewards
🔒 96% of fraud losses blocked or refunded
🏪87% of new small business owners say electronic payments were essential to launching
Protect the payments system America depends on.
electronicpaymentscoalition.…
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