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Revenue from debit card interchange and overdraft fees generally accounts for more than 50% of a credit union’s total noninterest income. Debit interchange rates have been on a general downward trajectory for the industry following the passage of the Durbin Amendment in 2010 and implementation of Regulation II in 2011. According to a February 2016 report from CUNA, credit unions had lost $1.1 billion as a result of the Durbin Amendment.

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