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​Durbin Amendment

The Durbin Amendment is a law that requires the Federal Reserve to limit debit card processing fees charged to retailers. It was passed as part of the Dodd–Frank financial reform legislation in 2010.

Comment Letters

  • Electronic Payments Coalition Letter to Gov. Pritzker Requesting Veto of Article 150 of HB 4951 
  • IPA Response to Federal Reserve on Proposed Rulemaking Concerning Debit Card Interchange Fees and Routing
  • IPA Letter to Federal Reserve Board on Proposed Rule (July 2021)
  • IPA Letter to the Board of Governors of the Federal Reserve System Regarding Regulation II
  • Meeting Between Staff and the Federal Reserve Board and Representatives of the Clearing House
  • Federal Reserve NPR on Routing/Exclusively for CPN (May 2021)

Federal Reserve Documents

  • Final updates to the Board’s Rule Concerning Debit Card Transactions
  • Durbin Amendment (Regulation II)​
  • ​Small Issuer Exemption
  • ​Federal Reserve – FAQs  

State Interchange Letters

  • Mississippi
  • North Dakota Interchange Lawsuit
  • Oklahoma
  • Tennessee
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IPA

110 Chestnut Ridge Rd, Suite 111
Montvale, NJ 07645
(202) 548-7200
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Innovative Payments Conference​
April 29 - May 1, 2026 

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  • About Us
    • Our Team
    • Board of Directors
    • Members
    • Partnerships
  • News & Events
    • Non-Member Newsletter
    • Newsroom
    • Events
    • Blog
    • Podcast
  • Member Resources
    • Glossaries & Reports
    • GRWG >
      • Recordings
    • Government Update
    • State Legislative Tracker
    • Financial Crimes Investigators
  • Issues & Advocacy
    • Comment Letters
    • Payments Litigation
    • Current Issues >
      • Earned Wage Access
      • Fraud Prevention
      • Prepaid Rule
    • Ongoing Issues >
      • Arbitration
      • Artificial Intelligence
      • Banking as a Service
      • Brokered Deposits
      • CFPB
      • Covid Response
      • Durbin Amendment
      • FDIC & OCC
      • Privacy Legislation
      • Unclaimed Property
  • Join the IPA
    • IPA Wins
  • Boot Camp