H.R. 3156: Consumer Debit Card Protection Act

112th Congress · introduced 2011-10-12 · Finance and Financial Sector · Latest: Referred to the Subcommittee on Financial Institutions and Consumer Credit.

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Follow this bill, step by step

Where it came from: introduced 2011-10-12 · official record
Who proposed it: Rep. Chaffetz, Jason [R-UT-3] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Referred to the Subcommittee on Financial Institutions and Consumer Credit. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Consumer Debit Card Protection Act

Plain summary

Consumer Debit Card Protection Act - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the authority granted the Consumer Financial Protection Board (CFPB) to prescribe regulations for interchange transaction (swipe) fees that an issuer may receive or charge in connection with an electronic debit transaction (EDT). Declares void, and without force or effect, any regulation or information collection which the Board of Governors of the Federal Reserve System (Board) may propose or prescribe pursuant to the Electronic Fund Transfer Act (EFTA). Makes conforming amendments to EFTA.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Consumer Debit Card Protection Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Chaffetz, Jason [R-UT-3] · 13 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Henry C. "Hank" Johnson, Jr. (D-GA), Tom McClintock (R-CA), Debbie Wasserman Schultz (D-FL)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (1)

Rulemaking: The process agencies use to write regulations that carry out laws passed by Congress or a legislature. Usually an agency publishes a proposed rule, takes public comments, then publishes a final rule.

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-112hr3156.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/112/hr>

Record fed-us-cong112-hr3156 · catalog fed-us-congress-bills-cong112 · updated 2026-11-15 by psicol fed-bills-cong112