The Dodd - Frank Wall Street Reform and Consumer Protection Act of 2010 included an amendment, the Durbin Amendment, which greatly impacts your banking processing a lot more specifically your debit card processing offenses. This Durbin Amendment affects both signature and pin based debt interchange rates by drastically lowering them as of October 1, 2011.

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Prior to October 1, 2011, the debit card processing rates (debit interchange rates) were set by Visa/MasterCard at 0.95% $0.20 for Visa and one particular.05% $0.15 for Master card. The Federal Government led by Senator Richard Durbin intervened and under the Dodd Frank Wall Street Reform and Consumer Protection Act reduced the debit interchange rates to 4.05% $0.22.

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