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Well, it appears to be be starting right now. As may already know, the Durbin Amendment to the Dodd-Frank Act, went into effect today, October 1st. The impact this has on banks that issue debit cards is often a huge loss in revenues (an estimated $8 billion). You see, up till now, whenever you swiped your debit card through a merchant’s terminal, that’s why was processed for a credit card instead of a pinned debit transaction, the banks earned an Interchange Fee. This Interchange Fee averaged over 1% funds.10-$.15 on the value of this goods or services purchased. With the implementation of the Dodd-Frank Financial Overhaul Act, swiped debit transaction fees are actually limited to a set $.21 plus a fee of.05% (5 basis points) how the banks will be collecting.

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