The Electronic Payments Coalition
@EPC_Updates
Followers
3,405
Following
990
Media
537
Statuses
6,378
EPC educates policymakers, consumers & the media on the value, innovation, convenience, security & competition that exists in the electronic payments system.
Washington, DC
Joined March 2009
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Pinned Tweet
Cyber-attacks are on the rise, targeting mega-stores across the country. The Durbin-Marshall Credit Card Bill would allow retailers to run your transactions over untested networks, putting your financial data at risk. Protect your data now!
#GuardYourCard
0
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Retailers: Stop putting consumer data at risk. Support common sense security standards.
3
12
25
.
@HowardHYu
from
@Forbes
wrote about how
@VISA
and
@Mastercard
will continue to grow by investing in technology. For more about why consumers should be excited, click here:
0
5
17
Goodbye credit card rewards. A new Senate bill would undermine popular credit card rewards programs like cash back and travel points, leaving your hard-earned rewards in the dust. Speak out today and tell Congress "Hands Off My Rewards" here:
2
13
13
Retailers promised lower prices if the Durbin Amendment passed. Consumers are still waiting.
http://t.co/rCIBHVkvK4
http://t.co/6u7O3EWadn
3
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13
Roses are red. Violets are blue. Credit cards protect our data and give you rewards too! ♥️♥️♥️
This Valentine's Day, it’s time to break up with the Durbin-Marshall Credit Card Bill and protect the
value and security of America’s payments system.
#DumpDurbinMarshall
0
1
1
.
@BiometricUpdate
details new initiatives from
@Mastercard
and
@VISA
to accommodate consumer payment preferences during
#COVID19
.
0
4
15
Check out the massive turnout of House and Senate staffers on Capitol Hill who visited our donut truck today! The EPC team loves educating lawmakers and staff about the value of credit card rewards!
#DonutTouchMyRewards
2
4
14
#PIN
isn’t the future of authentication. Luckily, financial institutions in the UK are working to make cards with
#biometrics
, reports
@TheSun
:
0
2
13
Vail Valley Partnership President Chris Romer: The Durbin-Marshall Credit Card Bill is bad for local business and our tourism economy
President's Post: Credit Card Competition Act is bad for local business and our tourism economy
0
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JOINT RELEASE: Financial Services Industry United in Opposition Against Walmart-Target’s Credit Card Routing Legislation
#BigBoxBill
@ABABankers
@bankpolicy
@ConsumerBankers
@CUNA_News
@ICBA
@NAFCU
1
9
12
New research confirms the Durbin Amendment was a failure for consumers.
#debitdiscountfail
http://t.co/V2YPPOzS2u
http://t.co/8dXKURCrTg
3
15
8
.
@SenatorDurbin
and
@RogerMarshallMD
’s credit card bill harms Americans and small businesses to benefit the largest megastores. Read more on this harmful legislation from Exec Chairman
@cajunbanker
in
@FortuneMagazine
:
0
0
3
Financial Services Industry Opposes Effort by Senators Durbin & Marshall to Force Credit Card Routing Mandates into Military Construction, Veterans Affairs Funding Bill
@ABABankers
@bankpolicy
@ConsumerBankers
@CUNA
@ICBA
@DCUC_HQ
@MilitaryBanks
@NAFCU
1
5
9
Big box retailers have saved billions since 2011. Consumers pay higher prices every year.
http://t.co/rCIBHVkvK4
http://t.co/IglpycY5Cs
2
6
7
In a move to expand
#tokenization
,
@Visa
has 20 new partners for its Visa Token Service.
@pymnts
reports on what it means for credential-on-file
#payments
:
0
6
8
🛡️GUARD YOUR CARD💳: DC lawmakers are pushing for legislation that jeopardizes your convenient, safe, and effective credit card payments. Take action to GUARD YOUR CARD and stop the Durbin-Marshall money grab for corporate mega-stores. Visit
0
4
8
.
@HomeDepot
, already flush with a windfall from the original Durbin Amendment is coming back for more— their claim that electronic payments are too expensive flies in the face of their own experience:
Wonderful to have
@RogerMarshallMD
at
@HomeDepot
headquarters in Atlanta to discuss the
#CreditCardCompetitionAct
of 2022 and the need to inject more competition into the payments duopoly with CFO Richard McPhail and VP of Financial Services and Payments Scott Anderson 💳👏
0
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15
0
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#ICYMI
:
@ICBA
released
@MorningConsult
polling that showcases consumer opposition to credit card routing mandates. Find out how this legislation would destroy your credit card rewards:
0
1
6
Great piece from
@BankersPrez
,
@JimNussle
, &
@romerorainey
on how Durbin-Marshall benefits corporate mega-stores, NOT consumers. Together,
@ABABankers
,
@AmericasCUs
, &
@ICBA
represent local financial institutions in all 50 states & in every community.
0
2
6
.
@JasonStverak
,
@CUNA
’s deputy chief advocacy officer, tells
@CUTodayBuzz
that credit unions all over the country are warning about the threat that new credit card routing mandates “will be to average Americans and the availability of credit.”
0
3
6
Great piece from
@DTPaymentNews
highlighting the unified opposition of credit unions and community banks against the Durbin-Marshall credit card bill:
1
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5
The entire financial services industry is united against announced legislation by Senator Roger Marshall (R-KS) and Senator Dick Durbin (D-IL) creating new credit card routing mandates that fall disproportionality on card issuing credit unions and community banks.
0
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FreedomWorks: [Durbin-Marshall] would allow mega-stores–like Walmart and Target–to process credit card transactions based solely on what is cheapest for them without regard to the value that consumers derive from rewards and many other benefits.
#BigBoxBill
⚠️ Don’t REWARD Bad Legislation: "The Credit Card Competition Act is nonsensical on its face, but potential impact is far more than simple political stupidity. Whenever govt intervenes in a market, there are disproportionate and unexpected impacts."
#ampFW
3
5
8
0
2
6
Tell Congress to support travel and tourism jobs and OPPOSE the Durbin-Marshall credit card routing legislation.
Visit to take action!
#HOMR
3
4
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What does
@miltimore79
think about
@SenatorDurbin
’s
#BigBoxBill
? In his
@feeonline
piece, he argues, “It’s not just a threat to my credit card rewards; It’s a violation of my libertarian principles.” Check out his full piece here:
0
3
6
Consumers should see lower prices due to the Durbin Amendment. Studies show they haven’t.
http://t.co/rCIBHVkvK4
http://t.co/U57W6ZEJ5H
4
14
5
This Valentine's Day it's time for Congress to DUMP the Durbin-Marshall Credit Card Bill. 💔
Americans LOVE the benefits that come with their credit cards & they OPPOSE Congress eliminating those benefits so that corporate mega-stores can make more money.
#DumpDurbinMarshall
4
0
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This Valentine's Day, it's time to DUMP the Durbin-Marshall Credit Card Bill.
The Durbin-Marshall credit card bill will eliminate credit card rewards and fraud protections for small businesses and consumers.
Tell your Senators to
#DumpDurbinMarshall
1
0
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Attention all Capitol Hill lawmakers and staff! Come visit EPC’s
#DonutTouchMyRewards
food truck today located next to the Capitol South Metro station. Come learn more about how you can help protect credit card rewards for hardworking American families.
#HandsOffMyRewards
0
2
5
.
@AmerBanker
op-ed by
@Cam_Fine
"Swipe Fee Cap Would Come at a Cost to Data Security"
http://t.co/2iLI45DHFc
0
0
3
EPC Chairman Jeff Tassey talks
#DataPrivacyDay
and the importance of security and privacy when it comes to electronic payment systems.
#PrivacyAware
0
1
4
.
@taxreformer
’s
@BryanBashur
warns about several consequences that small businesses will face if the Durbin-Marshall Credit Card Bill is passed. Read it here in
@rc_markets
:
0
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If merchants aren’t passing on
#DurbinAmendment
savings, >6 in 10 consumers say it should be repealed.
0
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📢An EPC Spokesperson to
@DTPaymentNews
: “It has been clear from the start Walmart, Target, and Home Depot are behind the push for Durbin-Marshall … The same large corporate megastores that have been making it harder for Main Street businesses.” ⬇️
0
4
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👀📺
#ICYMI
: EPC’s
@cajunbanker
was featured on
@NBC6News
to discuss how Americans of ALL incomes use credit card rewards, which are a LIFELINE for many LMI households. Watch it here ⬇️
0
1
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Per Eric Cohen, the
#BigBoxBill
will not be a “cure-all” for merchant’s credit card problems. Read why he thinks this legislation is a problem in
@DTPaymentNews
:
0
3
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Thank you to the more than 600 House and Senate staffers who visited our Hands Off My Rewards donut truck today on Capitol Hill! We had a great time educating staffers about why credit card routing mandates will end popular credit card reward programs.
#DonutTouchMyRewards
0
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Congress: Make sure consumer data is protected in the hands of big-box retailers.
0
2
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Is payment security at risk?
@CUNA
warns that the Credit Card Competition Act would weaken secure payment systems. Read the full piece here:
0
2
5
The Durbin-Marshall interchange bill shifts billions in consumer spending to less secure payment networks all so that mega-retailers like Walmart & Target can make bigger profits.
Don’t let Durbin-Marshall steal YOUR data!
#BigBoxBill
0
2
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#ICYMI
:
@CUNA
President and CEO
@JimNussle
warns in his recent op-ed for the
@MiamiHerald
that credit card routing mandates would leave consumers with HIGHER costs and FEWER rewards. Learn more:
0
2
3
EPC Chairman Jeff Tassey argues that
@SenatorDurbin
and
@RogerMarshallMD
’s endeavors to slip credit card routing mandates into the NDAA is a “cynical political ploy.” Check out Tassey’s entire statement here:
0
1
4
January 28 is Data Privacy Day! Join us and
@staysafeonline
in creating awareness about the importance of respecting
#privacy
, safeguarding data and enabling trust.
#PrivacyAware
0
3
4
Is there really a “credit card duopoly?” According to
@norbertjmichel
, the answer is CLEARLY NO. In fact, outside of growing fintech companies, four networks compete for shares of the market. Find out more in
@CatoInstitute
0
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#ICYMI
: Representatives from
@USHCC
,
@SBECouncil
, and
@NAWBONational
wrote to Congress expressing concerns about proposed credit card legislation. Read the full letter here:
0
3
4
CREDIT CARDS ARE AT RISK!
@CatoCMFA
's
@norbertjmichel
highlights the consumer benefits of electronic payments and warns of the consequences if interchange regulations are expanded to credit cards. Check out his
@Forbes
piece to learn more:
0
2
4
.
@StaySafeOnline
#CyberAware
tip: “Personal information is like
#money
. Value it. Protect it.” More here:
0
3
4
Calling all consumers! If
@SenatorDurbin
’s
#BigBoxBill
is implemented, the costs will greatly outweigh the benefits. Learn more in
@DTPaymentNews
:
0
3
3
Financial Services Industry United in Opposition to Marshall-Durbin Credit Routing Legislation
1
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3
How would credit routing mandates impact small business owners and their card benefits?
@gentrycollins
warns that this legislation would “hurt the millions of American small business owners and local towns that rely on these benefits the most."
0
2
4
Consumer credit is at risk! Proposed credit card routing legislation would severely reduce Americans’ access to credit.
@YourMoneyChamp
sat down with
@JasonStverak
of
@CUNA
to discuss the detrimental harm that this bill would cause:
0
3
4
.
@BDanBerger
: "It's time to hold big-box retailers and e-commerce giants accountable for their failure to pass savings along to consumers that were promised under the failed Durbin Amendment." Read more from
@NAFCU
:
0
3
4
A new app lets you pay bills with your card just by taking a photo with your phone (via
@techcrunch
):
#innovation
0
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EPC’s Jeff Tassey warns that the Credit Card Competition Act “forces transactions to route over smaller networks that have not made the same technology investments to protect consumers and merchants, potentially exposing them to cybersecurity threats.”
0
1
4
@KennyColby1
Factcheck: False
‘Reverse Robin Hood’ is a myth and capping interchange fees would hurt the poor
1
0
3
In her recent piece for
@AmerBanker
,
@ElizabethGore
highlights the harm that small businesses would endure under the Credit Card Competition Act. Learn more:
0
3
4
Must read article from
@tedrossman
with
@Bankrate
: Senate bill on credit card routing would harm consumers
1
3
4
Just in: Value–not price–is the driving factor for
#smallbiz
in selecting payment partners, via Javelin study
0
0
4
@ABABankers
,
@AmericasCUs
,
@ICBA
, and virtually every community financial institution in the country they represent all believe the Durbin-Marshall Credit Card Bill will be a huge loss for consumers. Read their op-ed published in
@AmerBanker
⬇️
0
0
3
Proposed credit card legislation takes a merchant-first approach, allowing merchants to rob consumers of their credit card rewards and choice of routing network. Check out this
@pymnts
piece to see how this
#BigBoxBill
leaves consumers stranded:
1
2
4
According to
@CUNA
’s
@JimNussle
, cutting credit card interchange would benefit big-box retailers while placing consumers at greater security and financial risks. Read why:
0
1
4
Joint Release: Financial Services Industry Opposes Effort by Senator Marshall to Force Credit Card Routing Mandates into NDAA
@ABABankers
@bankpolicy
@ConsumerBankers
@CUNA
@ICBA
@DCUC_HQ
@MilitaryBanks
@NAFCU
1
3
4
Local credit unions and community banks serve an essential role in supporting Main Street. So, when 9,600+ credit unions and community banks in all 50 states oppose the Durbin-Marshall Credit Card Bill, Congress should pay attention. Learn why:
0
2
4
Thanks
@RepTedBudd
for advocating for a Durbin repeal! We can’t afford a policy that hurts consumers,
#smallbiz
& small banks.
#CHOICEAct
0
1
4
Congress must reject the Credit Card Competition Act. In his recent piece for
@thehill
,
@KarlMEvers
warns that financial institutions are serious about the damage the legislation would have on reward cards. Learn more:
0
0
4
Great op-ed from
@johntamny
about how proposed credit card routing mandates are a solution in search of a problem that doesn't exist.
0
3
4
How will credit card mandates impact future payments? According to
@MaryBethSpuck
, “Reducing the amount of money that supports the interchange system could have serious consequences for consumers. The biggest concern is fraud.”
@dallasnews
:
0
0
3
.
@PatricePinkFile
: “A policy that leads to a reduction in credit card rewards and access to credit will leave small enterprises worse off not better.” Read more about the harmful Durbin-Marshall Credit Card Bill in
@IWF
:
0
1
2
During his floor speech,
@RepTedBudd
stood up for the free market & consumers. EPC applauds you!
0
0
4
.
@ICBA
’s Deborah Matthew Phillips: “Merchants are urging regulators to extend Durbin Amendment provisions to credit cards, but they are threading a very narrow needle.” Find out why imposing more credit card interchange regulations would be irrational:
0
2
4
A must-watch interview with
@thepointsguy
on
@CNBCTheExchange
: New credit card law could dramatically change rewards points system, says The Points Guy
0
2
4
The Durbin-Marshall Credit Card Bill threatens your access to credit, security, and convenience. Watch
@cajunbanker
’s recent feature on
@SebGorka
’s show here to learn more:
0
0
4
Life comes at you fast.
@SenatorDurbin
didn’t mind when his
#DoddFrank
#DurbinAmendment
contained similar scrawlings...
#MarginMayhem
0
0
4
In her recent piece for
@dallasnews
,
@MaryBethSpuck
, president of
@ResourceOneCU
, argues that proposed credit card legislation would make banking more expensive and less secure. Check out her column here:
0
0
4
#DYK
that MORE THAN 140 organizations agree that proposed credit card routing mandates are bad for consumers, small businesses, and financial institutions of all sizes? Read about this harmful legislation in
@carolinectanner
’s piece for
@thepointsguy
:
0
0
4
A brand new study released this week by EPC reveals that credit card rewards are a LIFELINE for working class Americans. Learn more here:
2
3
3
Despite what big-box retailers promised, the Durbin Amendment has NOT reduced consumer prices. According to
@ICBA
, it has transferred wealth from community financial institutions to massive retailers.
0
2
4
Over
#Thanksgiving
weekend, the Secret Service’s anti-skimming initiative recovered almost 200
#skimmers
and prevented nearly $6 million in
#fraud
.
@NBCNews
reports on Operation Deep Dive:
1
1
4
Do YOU know the value of interchange?
@FreedomWorks
'
@StephenMoore
highlights the concrete benefits that merchants and retailers receive in exchange for accepting credit cards, such as increased sales and fraud protection.
3
2
3
Who will lose under the Credit Card Competition Act?
@ElizabethGore
warns, “small-business owners need all the savings they can get, but the proposed legislation will ultimately cost consumers and entrepreneurs.”
@AmerBanker
0
1
4
The latest foray in
#innovation
: paying with your face. More companies plan to unveil facial recognition technology:
0
0
3
Looking for a
#FinancialLiteracy
education?
@Forbes
’
#30DaysOfMoney
will give you a good place to start:
#FLM2016
0
0
3
📺👀EPC Executive Chairman
@cajunbanker
joined
@FCN2go
to discuss how credit card rewards are a lifeline for many Americans. Check it out here ⬇️
0
1
3
Repealing the Durbin Amendment: A Vote for the Rule of Law, via
@Heritage
's
@norbertjmichel
.
0
1
3
In his piece for
@TheMessenger
,
@ppi
’s Lindsay Lewis breaks down the major security threats that credit card routing mandates will bring to American cardholders. Read it here:
0
0
3
When it comes to data security, Congress should protect consumers, not the big-box retailer agenda.
0
0
3
EPC,
@ICBA
,
@ABABankers
,
@ConsumerBankers
&
@CUNA
show their support for
@RepHensarling
’s Financial CHOICE Act:
0
0
3
Are your rewards at risk?
@CFPB
announced plans to expand regulation on credit card late fees, which would potentially slash the benefits many credit card holders have become accustomed to. Read more from
@CarolineMelear
in
@RSI
:
0
2
3
Local credit unions and community banks serve an essential role in supporting Main Street. So, when 9,600+ credit unions & community banks in all 50 states oppose the Durbin-Marshall Credit Card Bill, Congress should pay attention.
Take action today:
1
2
3
.
@BillHardekopf
: “If lawmakers end up passing the measure, known as the Credit Card Competition Act of 2022, opponents say it could also torpedo the rich rewards and perks that cardholders have enjoyed for years.” Read the rest in
@Forbes
:
0
0
3
Do YOU know the consequences of the original Durbin Amendment? The
@nytimes
wrote, “Durbin essentially moves the cost of debit away from merchants, and now it’s more focused on consumers.” Find out what other publications have said here:
0
0
3
.
@NAFCU
President
@BDanBerger
highlights in a recent letter to Congressional leaders that proposed credit card legislation would compromise consumer payment security by routing transactions through cheap, unsafe networks. Learn more:
0
1
3