Financial Reform Benefits California Credit Card and Debit Card Users

After over one month of haggling and back door negotiations, Congress has put together the final touches on a financial reform bill. Several new rules will directly benefit consumers, especially as regards credit cards and also those who want to pay cash for their merchant transactions. The new bill will establish a Consumer Financial Protection Bureau, under the auspices of the Federal Reserve, which will write and enforce rules for most banks, mortgage lenders, credit-card and private student loan companies.

The new rules for credit and debit cards will allow consumers to use their cards even for a $10  transaction. Previously retailers could set the minimum as high as they wanted, but Congress has reduced that minimum and the Fed will have the power to change it in the and debit cards

Merchants are also now free to offer discounts to people who choose to pay cash or use debit cards instead of using cards. However, merchants will not be allowed to charge different prices for customers depending on the credit card they use. Legally there can only be one price for customers who use American Express cards or Visa, Discover and MasterCards. Merchants also will not be allowed to offer price discounts based on the bank issuing the debit or credit cards being used.

It is not yet clear what the Fed will do, how the big banks and credit card companies will react to the new provisions, and how small retailers will change their sales policies.  Industry watchers feel that small retailers might start to readily accept debit cards issued from big bank names (which they recognize) while requesting cash or some other card from institutions they don’t recognize.

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