ICBA and other groups sent a letter to Congress reiterating strong opposition to the Credit Card Competition Act (Durbin-Marshall bill) or any other expansion of the Durbin amendment. ICBA and the other groups said that any legislative initiatives to expand the power of the federal government to intervene in the U.S. credit card market would harm consumers, small businesses, and financial institutions by reducing choice, increasing costs and fraud risks, and creating economic challenges for smaller financial institutions.