H.R. 3881 · 118th Congress

Credit Card Competition Act of 2023

Introduced on Jun 7, 2023 by Lance Gooden (R-TX-5). 8 cosponsors, 4 of them from another party. Latest action (Jun 7, 2023): Referred to the House Committee on Financial Services.

Stage
Introduced
Introduced
Jun 7, 2023
Cosponsors
8
4 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve system to prescribe regulations relating to network competition in credit card transactions, and for other purposes.

Summary

The Congressional Research Service has not summarized this measure yet.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Lance GoodenR-TX-5Sponsor

Democrats · 4

Republicans · 4

Withdrawn cosponsors

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Jun 7, 2023Introduced in House
  2. Jun 7, 2023Introduced in House
  3. Jun 7, 2023 · HouseReferred to the House Committee on Financial Services.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. VISA INC27 reports
    $8.9M reported (all issues)
  2. Electronic Payments Coalition Inc.26 reports
    $7.6M reported (all issues)
  3. American Bankers Association23 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  4. RACETRAC, INC.16 reports
    $720K reported (all issues)
  5. Visa U.S.A. Inc.15 reports
    $750K reported (all issues)
  6. H-E-B Grocery Company, LP12 reports
    $860K reported (all issues)
  7. CONSUMER BANKERS ASSOCIATION11 reports
    $10.8M reported (all issues)
  8. Airlines for America10 reports
    $600K reported (all issues)
  9. NATIONAL ASSOCIATION OF CONVENIENCE STORES10 reports
  10. SHOPIFY INC10 reports
    $1.1M reported (all issues)
  11. UNITED AIRLINES, INC.10 reports
    $6M reported (all issues)Federal contractor: UNITED AIRLINES, INC.$11.9M in contracts, FY2026AI match · 100%
  12. UNITED SERVICES AUTOMOBILE ASSOCIATION10 reports
    $2.7M reported (all issues)
  13. BEST BUY CO., INC.9 reports
    $1.4M reported (all issues)
  14. CAPITAL ONE FINANCIAL CORP.9 reports
    $4.7M reported (all issues)
  15. Electronic Payments Coalition ("EPC")9 reports
    $1.1M reported (all issues)
  16. JP Morgan Chase Holdings9 reports
    $410K reported (all issues)
  17. National Association of College Stores9 reports
    $540K reported (all issues)
  18. Amazon.com Services LLC8 reports
    $35.5M reported (all issues)Federal contractor: AMAZON.COM SERVICES LLC$285.9K in contracts, FY2026AI match · 100%
  19. WALMART INC.8 reports
    $8.8M reported (all issues)
  20. Mastercard, Inc6 reports
    $140K reported (all issues)
  21. National Retail Federation6 reports
    $2.2M reported (all issues)
  22. WEX Inc.6 reports
    $300K reported (all issues)Federal contractor: WEX INC.$5.2M in contracts, FY2026AI match · 100%
  23. ACI Payments, Inc.5 reports
    $200K reported (all issues)
  24. AMERICAN BEVERAGE LICENSEES5 reports
  25. Air Transport Association of America, Inc. (d/b/a Airlines for America)5 reports
    $7M reported (all issues)
  26. Alaska Airlines, Inc.5 reports
    $2.4M reported (all issues)Federal contractor: ALASKA AIRLINES, INC.$4.6M in contracts, FY2026AI match · 100%
  27. American Bankers Association's Card Policy Council5 reports
    $250K reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 99%
  28. American Multi-Cinema, Inc5 reports
    $310K reported (all issues)
  29. BANK OF AMERICA CORPORATION5 reports
    $3M reported (all issues)Federal contractor: BANK OF AMERICA, NATIONAL ASSOCIATIONAI match · 99%
  30. Barclays US GPF Inc.5 reports
    $1M reported (all issues)
  31. CMFG LIFE INSURANCE COMPANY5 reports
    $580K reported (all issues)
  32. CREDIT UNION NATIONAL ASSOCIATION, INC.5 reports
    $7.2M reported (all issues)
  33. California and Nevada Credit Union Leagues5 reports
    $550K reported (all issues)
  34. Card Policy Council5 reports
    $250K reported (all issues)
  35. Citigroup Washington, Inc.5 reports
    $5.1M reported (all issues)
  36. ELECTRONIC TRANSACTIONS ASSOCIATION5 reports
    $2.1M reported (all issues)
  37. FOOD MARKETPLACE INC.5 reports
    $1.7M reported (all issues)
  38. Great American Outdoors Group, LLC5 reports
    $430K reported (all issues)
  39. H&R Block Management, LLC5 reports
    $250K reported (all issues)
  40. HAWAIIAN AIRLINES, INC.5 reports
    $890K reported (all issues)Federal contractor: HAWAIIAN AIRLINES, INC$619.5K in contracts, FY2026AI match · 100%

Reports filed in 2023, 2024, 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.