Banks are fighting retailers to continue transaction fees on debit card purchases. The Dodd-Frank bill was to reduce these charges from 44 cents per transaction to 12 cents. There is virtually no risk to banks in these transactions and their fees amount to gouging retailers who then pass costs onto consumers.
http://www.propublica.org/blog/item/backgrounder-behind-the-battle-over-hidden-debit-card-fees
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