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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 step 1.05% $0.15 for Master card. The Federal Government led by Senator Richard Durbin intervened and underneath the Dodd Frank Wall Street Reform and Consumer Protection Act reduced the debit interchange rates to zero.05% $0.22.

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