Community bankers have a nagging question about their exemption from forthcoming caps on debit interchange under Dodd-Frank's Durbin amendment: Why did Congress even bother?

Months after the legislation set in motion plans for the Federal Reserve to cap interchange fees for banks over $10 billion in assets, bankers and payments experts have growing doubts about whether the major bank card networks are willing, or able, to provide the remaining 16,000 banks and credit unions a way to keep their current rates.

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