Your own report contradicts your argument all over the place. "There is little doubt that the Durbin Amendment had a major effect on consumers — and would-be

Your own report contradicts your argument all over the place. "There is little doubt that the Durbin Amendment had a major effect on consumers — and would-be bank customers — as issuers have, in various ways, passed on some of the costs of reduced interchange fee receipts, as discussed above" " retailers of smaller ticket items in particular have seen increased interchange fee costs as a result of the Durbin Amendment, and there is anecdotal evidence that these fees are being passed on to consumers" I didn't bother reading the entire report, either.