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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 16, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>El senador estadounidense Dick Durbin, demócrata de Illinois, anunció el 23 de abril que se retirará posteriormente de que su mandato flagrante termine en enero de 2027.</p>
<p>Si correctamente él no es lo que podría denominar al Senado &#8220;Finance Guy&#8221;, él es el principal demócrata en el Comité Contencioso del Senado, no en el Comité Bancario, Durbin ha sido impactante en una serie de acciones financieras legislativas durante sus décadas de servicio.</p>
<p>En particular, ayudó a remodelar las tarifas de procesamiento de tarjetas de débito de una guisa importante con la mejora Durbin en 2010. Más recientemente, ha estado trabajando para sacudir el <u>intercambio de polímero de crédito</u> Paisaje como patrocinador de la Ley de Competencia de Tarjetas de Crédito.</p>
<p>Si correctamente ha posicionado sus esfuerzos como pro-consumo, los resultados, o los resultados anticipados, de sus esfuerzos no siempre han entregado a los consumidores una conquista.</p>
<h2 data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What did the Durbin Amendment do?" data-outcome="">¿Qué hizo la mejora Durbin?</h2>
<p>La Remedio Durbin Durbin (parte de la Ley de Reforma y Protección del Consumidor de Dodd-Frank Wall Street) redujo enormemente las tarifas de procesamiento de tarjetas de débito que los comerciantes pagan a los bancos cada vez que un cliente usa su polímero. La Ley fue firmada en la ley en 2010.</p>
<p>Entre otras cosas, la mejora limitó la tarifa de intercambio de débito a un mayor de 0.05 por ciento del valencia de transacción más 21 centavos (con un centavo adicional para la protección de fraude). En la experiencia, esto redujo la tarifa de procesamiento de la polímero de débito promedio de un 52 por ciento (de 50 centavos a 24 centavos), <u>Según el Centro Internacional de Derecho y Posesiones</u>.</p>
<p>Los comerciantes, como es de esperar, se regocijó, pero el finalidad neto en los consumidores no fue tan positivo como se esperaba.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/guia-de-air-france-klm-flying-blue" target="_self" rel="dofollow" class="u1320d207f38c9cd1e63a91d29bd109da"><!-- INLINE RELATED POSTS 1/3 //--><style> .u1320d207f38c9cd1e63a91d29bd109da { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u1320d207f38c9cd1e63a91d29bd109da:active, .u1320d207f38c9cd1e63a91d29bd109da:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u1320d207f38c9cd1e63a91d29bd109da { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u1320d207f38c9cd1e63a91d29bd109da .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u1320d207f38c9cd1e63a91d29bd109da .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u1320d207f38c9cd1e63a91d29bd109da:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Guía de Air France/KLM Flying Blue</span></div></a></div><p>Aunque sus costos de transacción habían disminuido gracias a la mejora de Durbin, la mayoría de los minoristas no aprobaron esos ahorros a los consumidores. De hecho, solo el 1 por ciento de los minoristas bajó los precios, <u>Según el Richmond Fed</u>. Y, en un contratiempo adicional para los consumidores, los bancos reaccionaron a cobrar tarifas de intercambio más bajas al sujetar los programas de recompensas de tarjetas de débito, aumentar otras tarifas (como el cajero inconsciente y las tarifas de sobregiro) y dificultar la elaboración de una cuenta corriente gratuita, informa el Instituto Cato.</p>
<p>La mejora Durbin fue correctamente intencionada, pero las condiciones del mercado fracasaron y evitó que los consumidores se dieran cuenta de los ahorros de costos deseados. Desafortunadamente, esto a menudo sucede con las tarifas. Pueden ser como Whack-A-Mole: uno cae, aparece otro.</p>
<h2 data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Durbin goes after credit card interchange fees with the Credit Card Competition Act" data-outcome="">Durbin persigue las tarifas de intercambio de tarjetas de crédito con la Ley de Competencia de Tarjetas de Crédito</h2>
<p>Más recientemente, Durbin se ha fijado en la reducción de las tarifas de intercambio de tarjetas de crédito.</p>
<p>A los comerciantes les encanta quejarse de estos gravámenes (el promedio es de aproximadamente 2.2 por ciento, según el documentación de Nilson). La Coalición de Paymentos de Comerciantes dice que las tarifas de procesamiento de tarjetas de crédito son el maduro costo de la mayoría de los comerciantes, separadamente de la mano de obra, totalizando un récord de $ 187.2 mil millones en 2024. Durbin es el arquitecto principal de la Ley de Competencia de Tarjetas de Crédito (CCCA), un esquema de ley introducido por primera vez en 2023 que pesquisa la carga de la tarifa de los comerciantes más bajos, pero de guisa diferente a la enmenadera de la intención de mejora por las cartas de debitación.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/7-consejos-de-tarjeta-de-credito-para-principiantes" target="_self" rel="dofollow" class="u965d2a51cba46b5fb2efab2ec74f88fa"><!-- INLINE RELATED POSTS 2/3 //--><style> .u965d2a51cba46b5fb2efab2ec74f88fa { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u965d2a51cba46b5fb2efab2ec74f88fa:active, .u965d2a51cba46b5fb2efab2ec74f88fa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u965d2a51cba46b5fb2efab2ec74f88fa { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u965d2a51cba46b5fb2efab2ec74f88fa .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u965d2a51cba46b5fb2efab2ec74f88fa .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u965d2a51cba46b5fb2efab2ec74f88fa:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">7 Consejos de tarjeta de crédito para principiantes</span></div></a></div><p>La Ley de Competencia de Tarjetas de Crédito pesquisa sujetar las tarifas al promover más competencia en el mercado de procesamiento de pagos (eso suena cálido, pero me preocupa las consecuencias involuntarias). Dirigiría que los emisores de tarjetas de crédito con activos superiores a $ 100 mil millones permitan al menos dos redes para cada transacción, y los comerciantes podrían nominar cuál usar. Durbin ha atacado a Visa y Mastercard por presuntamente participar en un duopolio de fijación de precios. El CCCA incluye la disposición de que Visa y MasterCard no pueden ser las únicas redes disponibles. Un emisor de polímero tal vez podría ofrecer Visa y American Express, por ejemplo. O Mastercard y descubrir. Todavía parece deber la esperanza de que las redes más pequeñas puedan surgir y servir como alternativas de beocio costo.</p>
<p>Todo suena correctamente en teoría, y no es un divisoria duro como vimos con los cambios de la Remedio Durbin en las tarifas de intercambio de tarjetas de débito, pero el finalidad en los consumidores podría ser similar: recompensas de tarjetas de crédito reducidas, menos acercamiento al crédito y tarifas más altas en otras áreas.</p>
<p>Los proponentes, incluidos Durbin y otros, argumentan que los comerciantes reducirán los precios, pero no lo hicieron cuando las tarifas de intercambio de débito fueron limitadas, por lo que parece poco probable que esta vez lo hagan.</p>
<p>Aún así, apoderando una ola populista que ha barredura a los dos partidos políticos importantes, la Ley de Competencia de Tarjetas de crédito ha ganadería copatrocinadores notables de los dos lados del pasillo político, mostrando la reputación de Durbin como un constructor de consenso bipartidista.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-consultar-su-informe-de-credito-comercial" target="_self" rel="dofollow" class="u081bb3aa5508e1318108dcdbf9204714"><!-- INLINE RELATED POSTS 3/3 //--><style> .u081bb3aa5508e1318108dcdbf9204714 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u081bb3aa5508e1318108dcdbf9204714:active, .u081bb3aa5508e1318108dcdbf9204714:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u081bb3aa5508e1318108dcdbf9204714 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u081bb3aa5508e1318108dcdbf9204714 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u081bb3aa5508e1318108dcdbf9204714 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u081bb3aa5508e1318108dcdbf9204714:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo consultar su informe de crédito comercial</span></div></a></div><p>El esquema de ley no ha llegado a sufragar; Está girando en los vientos políticos. La inminente compensación de Durbin podría matar su impulso, o podría encender un impulso al final del equipo para consolidar el dote de Durbin como contendiente de tarifas de intercambio.</p>
<p>Similar a las tarifas de intercambio de débito de Push to Cap, Durbin y sus copatrocinadores están tratando de interceder por los consumidores a través de la Ley de Competencia de Tarjetas de Crédito. Pero la industria financiera no tomará a la ligera ninguna amenaza a su maniquí de ingresos. La reforma de la tarifa de intercambio parece mucho más probable que beneficie a los minoristas que a los consumidores. No hay respuestas fáciles, pero creo que el sistema flagrante es mejor (en términos de recompensas, acercamiento al crédito y más).</p>
<h2 data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>Durbin se ha convertido en equivalente de tarifas de intercambio en el mundo financiero, pero su dote universal es mucho más amplio. En una retrospectiva nuevo, la <u>Prensa asociada</u> Logros legislativos detallados que van desde la prohibición de fumar en aviones hasta la reforma del sistema de conciencia penal, la reforma migratoria y más.</p>
<p>Honestamente, Banks probablemente le deseará a Durbin una atinado compensación y espere que tome su microscopio de tarifa de intercambio con él. En el año posterior a la implementación del divisoria de intercambio de la polímero de débito, el documentación del Instituto Cato mencionado anteriormente dice que los bancos perdieron entre $ 5.1 mil millones y $ 7.4 mil millones en ingresos. Desafortunadamente, la mayoría de eso parecía alinear los bolsillos de los minoristas, en superficie de proporcionar alivio a los consumidores.</p>
<p class="text-sm text-slate"><em>¿Tiene alguna pregunta sobre las tarjetas de crédito? Envíeme un correo electrónico a ted.rossman@bankrate.com y estaría encantado de ayudar.</em></p>
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" title="Cómo construí mi crédito con una tarjeta de crédito">Cómo construí mi crédito con una tarjeta de crédito</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-19T01:03:43+00:00" >June 19, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-6130f6 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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