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HR 1081 112th Congress House

Consumers Payment System Protection Act

Official title: To delay the implementation of proposed or final rules issued under the authority of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to … Show full official titleShow less

Official title: To delay the implementation of proposed or final rules issued under the authority of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to the reasonable and proportional fees and rules for electronic debit transactions, and for other purposes.

Introduced: March 17, 2011 Introduced by: Capito, Shelley Moore Republican · West Virginia See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulationCongressional oversight
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Consumer affairsFederal Reserve SystemFinancial services and investmentsGovernment studies and investigationsUser charges and fees
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 4, 2011
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 15, 2011
Referred to the House Committee on Financial Services.
Mar 15, 2011
Introduced in House
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 Latest action April 4, 2011

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Consumers Payment System Protection Act - Delays until one year after enactment of this Act any proposed or final rule issued under the authority of specified requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act governing interchange transaction (swipe) fees for electronic debit transactions (EDTs).

Requires the Board of Governors of the Federal Reserve System and specified federal banking agencies jointly to study and report to Congress on the effect of such requirements upon consumers, card issuers, merchants, and financial institutions.

Sets a deadline for the Board to make revisions to any proposed or final rule regarding such EDTs if at least two of the agencies contributing to such report determine that any one of the following is true: (1) either such requirements or the Board's proposed rule entitled "Debit Card Interchange Fees and Routing" does not encompass all costs and investments associated with debit card transactions; (2) consumers will be adversely affected by either the requirements or the proposed rule; or (3) the current exemption of small financial institutions (with less than $10 billion in assets) from such requirements, or as carried out by the proposed rule, is not effective in practice.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 56
All 56 Democratic 16 Republican 10
Lance, Leonard
· Nov 16, 2011
 D
Schiff, Adam B.
California · Nov 16, 2011
Franks, Trent
· Jun 3, 2011
 R
Latta, Robert E.
Ohio · Jun 3, 2011
 D
Hirono, Mazie K.
Hawaii · May 13, 2011
Woodall, Rob
· May 13, 2011
 D
DeGette, Diana
Colorado · May 4, 2011
Olson, Pete
· May 4, 2011
Alexander, Rodney
· May 2, 2011
Amash, Justin
· May 2, 2011
 R
Carter, John R.
Texas · May 2, 2011
 R
Thompson, Glenn
Pennsylvania · May 2, 2011
Dent, Charles
· Apr 14, 2011
 R
Jordan, Jim
Ohio · Apr 14, 2011
 D
Tonko, Paul
New York · Apr 14, 2011
WATT, MELVIN
· Apr 12, 2011
Hunter, Duncan
· Apr 8, 2011
 D
Moore, Gwen
Wisconsin · Apr 8, 2011
 D
Sherman, Brad
California · Apr 8, 2011
 R
Smith, Adrian
Nebraska · Apr 8, 2011
 R
Stutzman, Marlin A.
Indiana · Apr 8, 2011
BILBRAY, BRIAN
· Apr 1, 2011
 D
Courtney, Joe
Connecticut · Mar 31, 2011
 D
Green, Al
Texas · Mar 31, 2011
 D
Larsen, Rick
Washington · Mar 31, 2011
SENSENBRENNER, F.
· Mar 31, 2011
THORNBERRY, WILLIAM
· Mar 31, 2011
Gowdy, Trey
· Mar 30, 2011
Coffman, Mike
· Mar 29, 2011
Flores, Bill
· Mar 29, 2011
HOLDEN, TIM
· Mar 29, 2011
Bonner, Jo
· Mar 17, 2011
CROWLEY, JOSEPH
· Mar 17, 2011
 D
Cuellar, Henry
Texas · Mar 17, 2011
 R
Foxx, Virginia
North Carolina · Mar 17, 2011
 D
Heinrich, Martin
New Mexico · Mar 17, 2011
 D
Johnson, Henry C. "Hank"
Georgia · Mar 17, 2011
 D
Luján, Ben Ray
New Mexico · Mar 17, 2011
BURTON, DAN
· Mar 16, 2011
 R
Sessions, Pete
Texas · Mar 16, 2011
Tipton, Scott
· Mar 16, 2011
BARTLETT, ROSCOE
· Mar 15, 2011
Chaffetz, Jason
· Mar 15, 2011
Hensarling, Jeb
· Mar 15, 2011
HERGER, WALLY
· Mar 15, 2011
 R
Kelly, Mike
Pennsylvania · Mar 15, 2011
Kissell, Larry
· Mar 15, 2011
Marchant, Kenny
· Mar 15, 2011
 R
McClintock, Tom
California · Mar 15, 2011
 D
Meeks, Gregory W.
New York · Mar 15, 2011
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Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1081: Consumers Payment System Protection Act. 112th Congress. Open America. https://openamerica.io/bill/112-HR-1081/
MLA
"H.R. 1081: Consumers Payment System Protection Act." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-1081/.
Bluebook (legal)
H.R. 1081, 112th Cong. (2026), https://openamerica.io/bill/112-HR-1081/.
Markdown link
[H.R. 1081: Consumers Payment System Protection Act](https://openamerica.io/bill/112-HR-1081/)
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