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Title | Recipient | Date |
|---|---|---|
| Letter to House on Stablecoin Legislation | 06/23/25 | |
| Joint Trades Opposition Letter to Credit Card Rate Cap Amendment | 05/21/25 | |
| Joint Trades Letter to Congress on Credit Card Competition Act Amendment | 05/21/25 | |
| ICBA Letter to Senate Ahead of GENIUS Act Stablecoin Vote | U.S. Senate | 05/16/25 |
| ICBA Letter on April 2 House Financial Services Committee Markup | House Financial Services Committee | 04/01/25 |
| Statement for the Record of Digital Assets Hearing | 02/26/25 | |
| Statement for Digital Assets Hearing | 02/11/25 | |
| Joint Trades Opposition Letter to 10 Percent Credit Card Interest Rate Cap Act | 02/05/25 | |
| Joint Letter Supporting Senate Secure Payments Act of 2024 | Sen. Ted Budd | 06/19/24 |
| ICBA Letter Supporting HR 5403 | U.S. House of Representatives | 05/21/24 |
Title | Recipient | Date |
|---|---|---|
| Letter to Nacha on International ACH Transactions | 05/30/25 | |
| Letter to Nacha on ACH Proposals | 12/16/24 | |
| Letter urging CFPB to clarify Regulation Z interpretive rule on Buy Now, Pay Later Loans | Consumer Financial Protection Bureau | 08/01/24 |
| Request for 90-Day Comment Extension on Expanding Fedwire | 06/11/24 | |
| ICBA Comments on Reg II Debit Card Interchange Proposal | Federal Reserve | 05/11/24 |
| Comments on Basel Cryptoasset Standard Amendments | Basel Committee on Banking Supervision | 03/28/24 |
| Freedom of Information Act Request on CBDC Authority | Federal Reserve, Justice Department, Treasury Department | 03/22/24 |
| Joint Trade Statement on ISO 20022 Standards | BIS Committee on Payments and Market Infrastructures | 02/28/24 |
| Disclosure of Cryptoasset Exposures | Letter to Regulators | 01/30/24 |
| ICBA Comment Letter for FinCEN Cryptocurrency Mixer Proposal | FinCEN | 01/23/24 |
Title | Committee | Presenter | Date |
|---|---|---|---|
| ICBA Statement for STABLE Act Markup | House Financial Services Committee | Written Statement | 04/01/25 |
| Community Bank Statement for GENIUS Act Markup | Senate Banking Committee | Written Statement | 03/12/25 |
| Statement for House Hearing on Central Bank Digital Currency Risks | House Subcommittee on Digital Assets, Financial Technology and Inclusion | Written Statement | 09/13/23 |
| Effective Regulation of Crypto Assets | Senate Banking Committee | Written Statement | 02/13/23 |
| Statement for Senate Crypto Hearing | Senate Banking Committee | Written Statement | 07/28/22 |
| Hearing Statement on Central Bank Digital Currency | House Financial Services Committee | Written statement | 05/25/22 |
| Enhanced Regulation of Digital Assets Will Promote Responsible Innovation | Senate Banking Hearing | 02/15/22 | |
| Statement for House Hearing on Stablecoins | House Financial Services Committee | Written statement | 02/08/22 |
| Statement for Senate Stablecoin Hearing | Senate Banking Committee | Written Statement | 12/14/21 |
| Statement for House Hearing on Digital Assets | House Financial Services Committee | Written statement | 12/07/21 |
| ICBA Statement for HFSC Fintech Hearing 9-29-2020 | HSFC | 09/29/20 |
July 13, 2022
While merchants are urging regulators to expand the Durbin Amendment, the recent surge of “buy now, pay later” is deflating their interchange arguments, according to ICBA’s latest blog post.
Merchant, Consumer Cost: In Main Street Matters, ICBA’s Deborah Matthews Phillips writes that merchants will gladly pay significantly higher transaction fees for BNPL loans than they do for credit cards while ignoring the potentially negative effect on consumer protections.
Flawed Argument: “The argument that credit card interchange results in higher costs is illogical and disingenuous when merchants are actively promoting other forms of more expensive unsecured personal credit while simultaneously decreasing consumer protections,” Matthews Phillips writes.