S. 1838 · 118th Congress

Credit Card Competition Act of 2023

Introduced on Jun 7, 2023 by Richard J. Durbin (D-IL). 5 cosponsors, 3 of them from another party. Latest action (Jun 7, 2023): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S2007-2008)

Stage
Introduced
Introduced
Jun 7, 2023
Cosponsors
5
3 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

A bill 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.

Richard J. DurbinD-ILSponsor

Democrats · 2

Republicans · 3

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 Senate
  2. Jun 7, 2023 · SenateRead twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S2007-2008)

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. American Bankers Association26 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  3. Electronic Payments Coalition Inc.26 reports
    $7.6M reported (all issues)
  4. AMERICAN AIRLINES INC.17 reports
    $5.8M reported (all issues)Federal contractor: AMERICAN AIRLINES, INC$8M in contracts, FY2026AI match · 100%
  5. CAPITAL ONE FINANCIAL CORP.17 reports
  6. NATIONAL ASSOCIATION OF CONVENIENCE STORES16 reports
  7. RACETRAC, INC.16 reports
    $720K reported (all issues)
  8. Visa U.S.A. Inc.15 reports
    $750K reported (all issues)
  9. Electronic Payments Coalition ("EPC")14 reports
    $1.4M reported (all issues)
  10. H-E-B Grocery Company, LP12 reports
    $860K reported (all issues)
  11. BANK POLICY INSTITUTE11 reports
    $7.8M reported (all issues)
  12. National Retail Federation11 reports
    $8.5M reported (all issues)
  13. UNITED AIRLINES, INC.11 reports
    $6M reported (all issues)Federal contractor: UNITED AIRLINES, INC.$11.9M in contracts, FY2026AI match · 100%
  14. Airlines for America10 reports
    $600K reported (all issues)
  15. Citigroup Washington, Inc.10 reports
    $5.1M reported (all issues)
  16. NATIONAL RESTAURANT ASSOCIATION10 reports
    $4.4M reported (all issues)Federal contractor: NATIONAL RESTAURANT ASSOCIATION EDUCATIONAL FOUNDATION$2M in contracts, FY2026AI match · 93%
  17. SHOPIFY INC10 reports
    $1.1M reported (all issues)
  18. UNITED SERVICES AUTOMOBILE ASSOCIATION10 reports
    $2.7M reported (all issues)
  19. BEST BUY CO., INC.9 reports
    $1.4M reported (all issues)
  20. CONSUMER BANKERS ASSOCIATION9 reports
    $9M reported (all issues)
  21. JP Morgan Chase Holdings9 reports
    $410K reported (all issues)
  22. National Association of College Stores9 reports
    $540K reported (all issues)
  23. Amazon.com Services LLC8 reports
    $35.5M reported (all issues)Federal contractor: AMAZON.COM SERVICES LLC$285.9K in contracts, FY2026AI match · 100%
  24. Bank Policy Institute (FKA The Financial Services Roundtable)8 reports
    $490K reported (all issues)
  25. WALMART INC.8 reports
    $8.8M reported (all issues)
  26. National Taxpayers Union7 reports
    $210K reported (all issues)
  27. American Multi-Cinema, Inc6 reports
    $370K reported (all issues)
  28. DISCOVER FINANCIAL SERVICES6 reports
    $2.6M reported (all issues)
  29. KEYCORP6 reports
    $1.4M reported (all issues)
  30. Mastercard, Inc6 reports
    $140K reported (all issues)
  31. WEX Inc.6 reports
    $300K reported (all issues)Federal contractor: WEX INC.$5.2M in contracts, FY2026AI match · 100%
  32. ACI Payments, Inc.5 reports
    $200K reported (all issues)
  33. AIR LINE PILOTS ASSOCIATION5 reports
    $1.1M reported (all issues)
  34. AMERICAN BEVERAGE LICENSEES5 reports
  35. Air Transport Association of America, Inc. (d/b/a Airlines for America)5 reports
    $7M reported (all issues)
  36. Alaska Airlines, Inc.5 reports
    $2.4M reported (all issues)Federal contractor: ALASKA AIRLINES, INC.$4.6M in contracts, FY2026AI match · 100%
  37. American Bankers Association's Card Policy Council5 reports
    $250K reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 99%
  38. Americans for Tax Reform5 reports
    $220K reported (all issues)
  39. BANK OF AMERICA CORPORATION5 reports
    $3M reported (all issues)Federal contractor: BANK OF AMERICA, NATIONAL ASSOCIATIONAI match · 99%
  40. Barclays US GPF Inc.5 reports
    $1M reported (all issues)

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 3, 2026 · loaded Oct 3, 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 5, 2026 · loaded Oct 5, 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.