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Reg II Timeline

Yany Aibangbee

Created on October 4, 2024

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Transcript

Regulation II: A Historical Timeline

Key Milestones in the Evolution of Regulation II

2024

Jan. 22

2024

May 12

20xx

Plan

2022

Dec. 22

Giant Chain Stores Take Advantage of Their Extension to Lobby State Legislatures

Federal Reserve Proposes to Lower Debit Interchange Fees

Banks and Credit Unions Express Unanimous Opposition

Merchants Lobby the Federal Reserve to Fix Prices

Comment Deadline Extended

2023

Oct. 25

2024

Feb. 7

Learn More

Banks and Credit Unions Express Unanimous Opposition

Banks and credit unions of all sizes joined forces to unanimously oppose the proposal. They argued in comments to the Federal Reserve that the proposal would harm consumers, banks and credit unions and would violate the law.

Federal Reserve Proposes to Lower Debit Interchange Fees

The Federal Reserve responds to the merchants request with a new limit on the amount banks can charge to facilitate debit card transactions, often referred to as interchange fees.

Giant Chain Stores Take Advantage of Their Extension to Lobby State Legislatures

Giant chain stores leveraged the extension to seek additional carveouts in states like Illinois that would exempt merchants from paying interchange fees on select transaction segments like state sales tax.

Merchants Lobby the Federal Reserve to Fix Prices

Trade associations representing giant chain stores petitioned the Federal Reserve asking it to intervene by lowering the existing legal limit on debit card interchange fees.

Comment Deadline Extended

The Federal Reserve announced on January 22, 2024 that it would extend the comment period deadline from February 12, 2024 to May 12, 2024.