Interchange Steering Informant Site Launched by CUNA

New debit interchange fee cap regulations, effective since Oct. 1, prohibit merchants from discriminating against credit union-issued cards, and the Credit Union National Association (CUNA) is helping credit unions report any instances of discrimination—generally referred to as “steering”—through a new website.

The site, which was added to the members-only section of, allows credit unions to report any instances of merchants tampering with the purchase process or favoring other forms of payment over credit union debit cards.

Any information reported to CUNA on the site will remain confidential, and the names of the credit unions involved will not be disclosed, but relevant portions of the reports may be shared with state credit union leagues and, depending on the problem, may also be reported to the National Credit Union Administration (NCUA) or state regulators.

Reports will also be used in CUNA discussions with the Federal Reserve about the impact the agency’s interchange rules have on credit unions.

In addition to reporting to CUNA, affected credit unions should also report instances of discrimination involving Visa or MasterCard directly to those networks through online forms provided by each network. Once a credit union has submitted its report to CUNA, CUNA’s website will direct the user to the web address for the appropriate network’s complaint form.

Click here for the members-only site.


Questions? Contact the Compliance Hotline: 1.800.546.4465,

Posted in Compliance News, CUNA.