United States Government Publishing Office publisher pbl distributor dst United States National Archives and Records Administration Office of the Federal Register author aut Government Organization text government publication eng FR Regulatory Information 2011_register executive 2011-07-20 article Part II Rules and Regulations D09002ee1c7ff9318 D09002ee1c7ff9418 United States Federal Reserve System originator org United States Government Agency or Subagency The Board is publishing a final rule, Regulation II, Debit Card Interchange Fees and Routing. This rule implements the provisions of Section 920 of the Electronic Fund Transfer Act, including standards for reasonable and proportional interchange transaction fees for electronic debit transactions, exemptions from the interchange transaction fee limitations, prohibitions on evasion and circumvention, prohibitions on payment card network exclusivity arrangements and routing restrictions for debit card transactions, and reporting requirements for debit card issuers and payment card networks. An interim final rule, with a request for comment, on standards for receiving a fraud-prevention adjustment to interchange transaction fees is published separately in the Federal Register. 76 FR 43394 https://www.govinfo.gov/app/details/FR-2011-07-20/2011-16861 2011-16861 fr20jy11-24 6210-01-P Regulation II Docket No. R-1404 https://www.govinfo.gov/app/details/FR-2011-07-20/2011-16861 https://www.govinfo.gov/content/pkg/FR-2011-07-20/html/2011-16861.htm https://www.govinfo.gov/content/pkg/FR-2011-07-20/pdf/2011-16861.pdf Banks Banking Debit Card Routing Electronic Debit Transactions Interchange Transaction Fees 82 p. 43394 43475 76 FR 43394 Title 12 Part 235 12 CFR Part 235 Debit Card Interchange Fees and Routing; Federal Register Vol. 76, Issue RULE 2011-16861 II FEDERAL RESERVE SYSTEM 2011-10-01 Regulation II Docket No. R-1404 6210-01-P 2011-16861 Final rule.

The Board is publishing a final rule, Regulation II, Debit Card Interchange Fees and Routing. This rule implements the provisions of Section 920 of the Electronic Fund Transfer Act, including standards for reasonable and proportional interchange transaction fees for electronic debit transactions, exemptions from the interchange transaction fee limitations, prohibitions on evasion and circumvention, prohibitions on payment card network exclusivity arrangements and routing restrictions for debit card transactions, and reporting requirements for debit card issuers and payment card networks. An interim final rule, with a request for comment, on standards for receiving a fraud-prevention adjustment to interchange transaction fees is published separately in the Federal Register.

Effective date: The final rule is effective October 1, 2011. Dena Milligan, Attorney (202/452- 3900), Legal Division, David Mills, Manager and Economist (202/530- 6265), Division of Reserve Bank Operations & Payment Systems, or Mark Manuszak, Senior Economist (202/721-4509), Division of Research & Statistics; for users of Telecommunications Device for the Deaf (TDD) only, contact (202/263-4869); Board of Governors of the Federal Reserve System, 20th and C Streets, NW., Washington, DC 20551. Banks Banking Debit Card Routing Electronic Debit Transactions Interchange Transaction Fees Debit Card Interchange Fees and Routing , http://www.amazon.com/gp/help/customer/display.html/ref=hp_518224_pinless?ie=UTF8&nodeId=518224&#pinless http://www.fdic.gov/regulations/examinations/supervisory/insights/sisum09/primer.html http://www.federalreserve.gov/newsevents/reform_meetings.htm http://www.federalreserve.gov/paymentsystems/files/debitfees_costs.pdf http://www.firstbankak.com/home/bs/remotedepositcapture/rdc_faq#15 http://www.frbservices.org/files/communications/pdf/press/2010_payments_study.pdf http://www.ncms-inc.com/check-verification.aspx http://www.nobouncedchecks.com/SCAN-check.html http://www.rba.gov.au/payments-system/reforms/review-card-reforms/review-0708-pre-conclusions/index.html http://www.sba.gov/idc/groups/public/documents/sba_homepage/serv_sstd_tablepdf.pdf Vol. 76, no. 139 Office of the Federal Register, National Archives and Records Administration 2011-07-20 continuing daily deposited born digital 432 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2011-07-20 P0b002ee180da705b 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr20jy11 https://www.govinfo.gov/app/details/FR-2011-07-20 https://www.govinfo.gov/content/pkg/FR-2011-07-20/pdf/FR-2011-07-20.pdf https://www.govinfo.gov/content/pkg/FR-2011-07-20/xml/FR-2011-07-20.xml fdlp 43111 43532 DGPO 2011-07-20 2024-06-04 FR-2011-07-20 machine generated eng FR FR-2011-07-20 76 139