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Interchange fees in credit and debit card markets : what role for public authorities
Credit and especially debit card transactions are on the rise worldwide. Interchange fees are an integral part of the pricing structure of credit and debit card transactions. Indirectly paid by merchants to card issuers, interchange fees in most countries are set by credit and debit card networks. But in one country, Australia, the central bank is regulating interchange fees, and in several other countries and areas, including the European Union, Mexico, the Netherlands, Spain, and the United Kingdom, public officials are taking, or considering taking, a more hands-on regulatory stance. In ...
The U.S. retail payments system in transition : Federal Reserve initiatives
This article explores the changing landscape of U.S. retail payments: trends, the Fed's role, and the future of payments.