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Durbin, Debit Interchange and Rewriting Regulation II: Will History Repeat Itself?

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By Norman C. Patrick, Jr.  The Durbin Amendment and Federal Reserve Regulation II, which spelled out the ways in which the provisions of the Durbin statute would be codified into law, transformed the debit landscape two years ago by: Capping interchange rates for financial institutions with over $10 billion in assets and Mandating network non-exclusivity…

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