{"id":39709,"date":"2026-06-03T08:08:03","date_gmt":"2026-06-03T13:08:03","guid":{"rendered":"https:\/\/www.thexradio.com\/news\/?p=39709"},"modified":"2026-06-03T08:08:03","modified_gmt":"2026-06-03T13:08:03","slug":"illinois-swipe-fee-law-on-the-brink-after-another-delay-adverse-court-ruling","status":"publish","type":"post","link":"https:\/\/www.thexradio.com\/news\/local-news\/39709-illinois-swipe-fee-law-on-the-brink-after-another-delay-adverse-court-ruling\/","title":{"rendered":"Illinois&#8217; &#8216;Swipe Fee&#8217; Law on the Brink After Another Delay, Adverse Court Ruling"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"javascript: window.print()\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_self\" ><img decoding=\"async\" src=\"https:\/\/www.thexradio.com\/news\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><span class=\"pdfprnt-button-title pdfprnt-button-print-title\">Print<\/span><\/a><\/div><p><span style=\"font-weight: 400;\">A \u201cCredit Card Chaos\u201d ad appears on a drivable billboard a few blocks from the Illinois Capitol during the legislature\u2019s final stretch. The Illinois law that it targets suffered a pair of setbacks this week. (Capitol News Illinois photo by Jerry Nowicki)<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Banks get upper hand in yearslong fight after federal rule changes, court interpretation<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">By JERRY NOWICKI <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Capitol News Illinois <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"mailto:jnowicki@capitolnewsillinois.com\"><span style=\"font-weight: 400;\">jnowicki@capitolnewsillinois.com<\/span><\/a><\/p>\n<p><b>Article Summary\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The legislative and judicial branches dealt a pair of blows to a state law banning \u201cswipe fees\u201d being applied to the tax and tip portion of a debit or credit card transaction.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lawmakers delayed the ban for another year, until July 1, 2027.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">But a federal judge also issued a permanent injunction against it, citing federal rules that were recently rewritten by the Office of the Comptroller of the Currency.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The injunction only applies to national banks, federal savings associations, payment networks and out-of-state banks. It doesn\u2019t apply to state-chartered institutions, causing further uncertainty.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The latest moves leave Illinois\u2019 first-in-the-nation law in both legislative and judicial limbo.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">This summary was written by the reporters and editors who worked on this story.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">SPRINGFIELD \u2014 An Illinois law banning \u201cswipe fees\u201d on taxes and tips \u2014 already delayed twice by lawmakers \u2014 appears to be on life support after a federal judge that once permitted it issued a permanent injunction against it this week.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U.S. District Judge Virginia Kendall issued the injunction just hours after the General Assembly approved a further one-year delay to the Interchange Fee Prohibition Act \u2014 subject of the ongoing \u201c<\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/credit-card-chaos-financial-institutions-bet-big-on-repeal-of-first-of-its-kind-illinois-law\/\"><span style=\"font-weight: 400;\">Credit Card Chaos<\/span><\/a><span style=\"font-weight: 400;\">\u201d advertising campaign \u2014 before adjourning its spring session.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s the latest development in a yearslong fight between retailers and financial institutions about a fee that\u2019s levied on every credit and debit card transaction.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each time a shopper swipes their credit or debit card, it sets off a complicated string of payments between banks. The retailer\u2019s bank pays an \u201cinterchange fee,\u201d typically around 1-2% of the transaction cost, to the consumer\u2019s bank. The fees include both a set amount and a percentage of the transaction, but the credit card companies, namely Visa and Mastercard, control how they\u2019re calculated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Illinois law would have prohibited financial institutions from applying the fee to the tax and tip portion of bills. Banks and retailers have estimated it would affect $120 million to $200 million in revenue or more each year \u2014 to the benefit of retailers and chagrin of banks. Illinois would be the only place where such a law was implemented.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The law was slated to take effect July 1 after already being postponed from its 2025 effective date. If Gov. JB Pritzker signs the latest delay, its effective date would be July 1, 2027.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But it\u2019s Kendall\u2019s Monday ruling that casts the measure into further doubt.<\/span><\/p>\n<p><b>Judicial history<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kendall <\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/in-a-victory-for-consumers-pioneering-swipe-fee-law-survives-first-legal-challenge\/\"><span style=\"font-weight: 400;\">in February ruled<\/span><\/a><span style=\"font-weight: 400;\"> that the law could take effect, based largely on her interpretation of administrative rules written by the federal Office of the Comptroller of the Currency, an independent subsection of the U.S. Treasury.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kendall had ruled that because the fees are set by third parties \u2014 the card companies \u2014 they\u2019re not preempted by the federal laws and regulations that give banks wide latitude to determine their own fees.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But the OCC, <\/span><a href=\"https:\/\/capitolnewsillinois.com\/news\/federal-agency-casts-further-uncertainty-on-illinois-credit-card-swipe-fee-law\/\"><span style=\"font-weight: 400;\">in a pair of April filings<\/span><\/a><span style=\"font-weight: 400;\">, rewrote the language at question and issued an order specifically preempting Illinois\u2019 law.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cAlthough the OCC believes that (Section) 7.4002 (the section discussed in the lawsuit) already allows national banks to impose fees that are set by a third party, the OCC is revising (Section) 7.4002 to make that explicit and resolve any uncertainty about the scope of the regulation,\u201d the agency wrote in the filing in direct response to Kendall\u2019s ruling.\u00a0<\/span><\/p>\n<p><b>Read the filings: <\/b><a href=\"https:\/\/occ.gov\/news-issuances\/news-releases\/2026\/nr-occ-2026-32b.pdf\"><b>Preemption of Illinois law<\/b><\/a><b> | <\/b><a href=\"https:\/\/occ.gov\/news-issuances\/news-releases\/2026\/nr-occ-2026-32a.pdf\"><b>Restatement of National Banking Act<\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">At the time, the case was before the 7<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> Circuit Court of Appeals. But the court sent it back to Kendall for a reinterpretation of the new OCC filings. Addressing that change, Kendall wrote this week: \u201cIt is obvious from the face of the new rule that the modified language tees up an express conflict with the IFPA.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, Kendall decided Illinois\u2019 law is now preempted by the federal rules, at least as it pertains to national banks, federal savings associations, payment networks and out-of-state banks.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Electronic Payments Coalition \u2014 the bank-backed entity that\u2019s been running the \u201cCredit Card Chaos\u201d ads \u2014 welcomed the ruling. But they warned it further creates an unlevel playing field.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cEven with this decision, credit unions and Illinois-chartered banks\u00a0remain subject to IFPA, creating ongoing uncertainty and the risk of inconsistent treatment for parties in the same transaction,\u201d the group said in a statement.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kendall had previously issued a similar injunction on a portion of the law regarding data collection, applying it to only some financial entities.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What happens next isn\u2019t immediately clear, but further judicial review is almost guaranteed, with both sides weighing their legal options.\u00a0<\/span><\/p>\n<p><b>Legislative history, debate<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The law was enacted two years ago at the behest of the Illinois Retail Merchants Association.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pritzker and lawmakers in 2024 agreed to raise about $101 million in revenue to plug a budget hole by putting a $1,000 monthly cap on the \u201cretailer\u2019s exemption,\u201d a tax break retailers claim for being the state\u2019s de facto sales tax collectors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Late in the legislative process, IRMA successfully lobbied for the long-sought tax and tip exemption to alleviate the financial impact of the exemption cap for retailers.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The financial institutions argue the electronic payment system as it exists today can\u2019t segregate the tax and tip portion of a transaction, which could result in \u201ccredit card chaos\u201d in Illinois if the law was to become effective.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead of complying, according to the coalition\u2019s literature, the card companies could just stop processing cards altogether in Illinois. They could also stop processing tax and tip portions or require two separate swipes for the subtotal and the tax and tip portion of bills.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cElectronic payments rely on a highly interconnected network that requires a uniform national standard,\u201d the Electronic Payments Coalition said in a statement. \u201cWe will continue working through the courts and with policymakers to ensure that all participants in the payments system are treated consistently, so the customers they serve will also be protected from the harm IFPA will cause.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But Rob Karr, president and CEO of IRMA, has forcefully disputed the \u201cchaos\u201d claim.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis industry had had two years to figure this out. Instead of using their vast resources to solve problems, they&#8217;re doing all they can to distract, distort, delay and demonize,\u201d Karr testified in a House committee over the weekend.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Merchant Payments Coalition, a group of retailers and similar businesses that advocates on credit and debit card issues, argued the new rule gives financial institutions dangerously broad fee-setting authority.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe revised language could apply broadly to numerous categories of consumer financial\u00a0charges, including late\u00a0fees, overdraft or over-limit\u00a0fees, annual card\u00a0fees, ATM\u00a0fees and similar\u00a0charges,\u201d the MPC said in a statement. \u201cBy eliminating the expectation of independent competitive pricing, the rule risks encouraging industry-wide\u00a0fee\u00a0standardization at the expense of consumers and merchants alike.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While Kendall said Illinois\u2019 law is indeed preempted for certain institutions, she also faulted the OCC for using emergency authority to implement new rules. And she criticized the order specifically preempting Illinois\u2019 law, writing that much of the logic contained in it \u201cperches atop the catch-all justification of <\/span><i><span style=\"font-weight: 400;\">this is how things are done around here<\/span><\/i><span style=\"font-weight: 400;\">.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWhat the Order\u2019s argument overlooks, however, is that the IFPA does not impede national banks\u2019 ability to participate in card networks, nor does it require them to engage in \u201ccostly negotiations\u201d to maintain that participation,\u201d Kendall wrote. \u201cInstead, it reduces the portion of a transaction upon which a fee could be calculated.\u201d\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/capitolnewsillinois.com\/\"><i><span style=\"font-weight: 400;\">Capitol News Illinois<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A \u201cCredit Card Chaos\u201d ad appears on a drivable billboard a few blocks from the Illinois Capitol during the legislature\u2019s final stretch. The Illinois law that it targets suffered a [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":39710,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[19],"tags":[],"class_list":["post-39709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Illinois&#039; &#039;Swipe Fee&#039; Law on the Brink After Another Delay, Adverse Court Ruling - Effingham&#039;s News and Sports Leader, 979XFM and KJ Country 102.3<\/title>\n<meta name=\"description\" content=\"Effingham&#039;s News and Sports Leader\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thexradio.com\/news\/local-news\/39709-illinois-swipe-fee-law-on-the-brink-after-another-delay-adverse-court-ruling\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Illinois&#039; 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