The American Bankers Association, the Bank Policy Institute, the Consumer Bankers Association, the Credit Union National Association, the Electronic Payments Coalition, the Independent Community Bankers of America, the Mid‐Size Bank Coalition of America, the National Association of Federally‐ Insured Credit Unions, the National Bankers Association, and The Clearing House (together, the Associations) are writing with respect to the Board of Governors of the Federal Reserve System’s (Board) notice of proposed rulemaking (NPRM) regarding Debit Card Interchange Fees and Routing (Regulation II).