GuardYourCard

Don’t be fooled! Credit card mandates would pad the bottom lines of corporate mega-stores while leaving consumers in the dust. 💳 In @MensJournal, Siddarth Munjal writes that under the Durbin-Marshall Credit Card Mandates, “there’s no guarantee that savings will be passed through to consumers at checkout.” What cardholders could lose instead: the cash back and travel points they rely on. mensjournal.com/news/the-cre…

Nearly 70% of low-and moderate-income cardholders use rewards like cash back, per EPC’s fact sheet. The Durbin-Marshall Credit Card Mandates could put those rewards at risk, along with the fraud protection and small business growth that come with card acceptance. electronicpaymentscoalition.…

“Every Halloween, families look for ways to stretch their budgets, and credit cards help on both sides of the counter,” says EPC’s @cajunbanker 🎃 “Shoppers get fraud protection and rewards. Store owners avoid the expense of counting, guarding, and hauling cash to the bank.” On candy alone, accepting card payments instead of cash could save stores up to $131 million. electronicpaymentscoalition.…

Corporate mega-stores are blaming the payment system for higher grocery prices. 👎 @BLS_gov data show grocery prices are up 31% since March 2020, while credit card interchange rates have stayed largely flat at about 1.8% for nearly a decade. Before Congress considers the Durbin-Marshall Credit Card Mandates, remember that corporate mega-stores are looking out for their own bottom line, not consumers. electronicpaymentscoalition.…

“The problem comes when legislating by polling data and sound bites is forced to confront the real-world implications of those policies.” 📢 EPC’s @cajunbanker in @WSJOpinion on price controls. Even Americans with higher credit scores might keep their cards, but “would face constricted credit limits, reduced rewards and stricter underwriting.” wsj.com/opinion/price-contro…

Despite claims that small banks would be exempt, Wyoming small business owners from NS Bar Cattle Ranch, Rabou Farms, and Western Sky Dental say the Durbin-Marshall Credit Card Mandates “would impact all institutions and ultimately make it harder for small businesses to access affordable credit.” 💳 @SenJohnBarrasso @RepHageman wyomingnews.com/rocketminer/…

“Making credit artificially ‘cheaper’ essentially makes it realistically unavailable,” writes EPC’s @cajunbanker in @WSJopinion. 💳 A 10% credit card rate cap would leave consumers with credit scores below 740 especially vulnerable. wsj.com/opinion/price-contro…

Think cash is cheaper for stores? Not this Halloween. 🎃 Grocery and warehouse stores spend 4.7% to 5.5% of each cash sale on processing vs. ~2.3% for credit cards, per @ihl_group. EPC estimates handling Halloween purchases in cash only could cost stores $635 million to $743 million. electronicpaymentscoalition.…

“Price controls might make for a good stump speech, but they don’t make the underlying economics disappear.” 💳 EPC’s @cajunbanker in @WSJOpinion on why a 10% credit card rate cap could cut off credit for up to 190 million Americans: wsj.com/opinion/price-contro…

“The facts could not be more clear: the Durbin-Marshall credit card mandates would lead to devastating outcomes for small businesses in Wyoming and across the country.” Pine Bluffs rancher Sharon Fain-Steenbergen, Albin farmer @RonRabou, and Cheyenne dentists Randy and Haley Davis are reviewing the facts and speaking out. @RepHageman @SenJohnBarrasso @WTEnews wyomingnews.com/rocketminer/…

Shoppers are expected to spend $4.1 billion on Halloween candy. 🍬 If consumers use cards instead of cash for these transactions, stores could save up to $131 million. “Lower costs for merchants mean better prices on the shelf,” says EPC Executive Chairman @cajunbanker. electronicpaymentscoalition.…

Steve Gunderson is urging Montana’s senators to oppose the Durbin-Marshall Credit Card Mandates. “Main Street merchants lack the massive IT departments that mega-retailers employ to handle data breaches,” he writes. @SteveDaines @TimSheehyMT seeleylake.com/story/2026/10…

Cash costs small businesses 2 to 7 times more to handle than credit cards. 💵 Since 2006, electronic payments have enabled more than $93 trillion in economic activity, with merchant revenue hitting record highs even as the interchange rate has stayed flat. The Durbin-Marshall Credit Card Mandates would disrupt a payment system that’s working, all to benefit a handful of corporate mega-stores. electronicpaymentscoalition.…

Montana’s Steve Gunderson says the Durbin-Marshall Credit Card Mandates threaten the state’s tourism economy. 💳 “Families spend months racking up points specifically to afford trips to destination states like Montana,” he writes in the @SwanSeeley. @SteveDaines @TimSheehyMT seeleylake.com/story/2026/10…

Americans are expected to spend a record $13.5 billion on Halloween this year. 🎃 If those costumes, decorations, and treats were all paid for with credit cards instead of cash, merchants could save between $323 million-$431 million in processing costs. Cash is far from free for retailers. Corporate mega-stores say cards are a burden, but the numbers tell a different story. electronicpaymentscoalition.…

Kim Morgan is asking Congress to oppose the Durbin-Marshall Credit Card Mandates and protect the community banks and credit unions that “finance homes, help entrepreneurs start businesses, provide working capital and keep money circulating in our communities,” she writes in @NCPoliticalNews. 🏦 @SenThomTillis @SenTeddBuddNC ncpoliticalnews.com/news/kim…

“Small businesses do not need Washington experimenting with a system that allows us to serve customers safely and efficiently without clear evidence that the promised benefits will reach the people they are intended to help. I hope our representatives will listen to businesses, community banks, credit unions and consumers across our state, examine the lessons of the original Durbin Amendment, and oppose the Durbin-Marshall Credit Card [Mandates]. North Carolina’s small businesses need policies that expand opportunity and strengthen our communities—not mandates that could create new costs and uncertainty for the people we serve.” @NCPoliticalNews @SenThomTillis @SenTeddBuddNC ncpoliticalnews.com/news/kim…

Durbin-Marshall supporters blame credit cards for driving up gas prices, but the reality is interchange at the pump is already capped at about $1 a fill-up. ⛽️ The Durbin-Marshall Credit Card Mandates won’t result in lower prices at the pump. Instead, they would hand another windfall to corporate mega-stores, with no guarantee of savings for consumers. electronicpaymentscoalition.…

Airline miles and hotel points helped one military family visit their soldier son at Fort Sill. ✈️ “Supporting our military should mean more than thanking someone in uniform. It should mean taking seriously the everyday costs borne by the families around them,” writes @DCUC_HQ’s @JasonStverak. The Durbin-Marshall Credit Card Mandates put those benefits at risk, with no guarantee families would ever see a dime in savings. newsbreak.com/news/489642353…

Nevada small business owner Kimberly Tuthill asks the real question about the Durbin-Marshall Credit Card Mandates: who does this actually help? 💳 Not businesses like hers, which rely on card rewards to reinvest in their business. A @univmiami study says it's corporate mega-stores like Walmart and Amazon, pocketing a billion-dollar windfall. lasvegassun.com/news/2026/se…