Fed Keeps Debit Card Survey Rolling for Big Banks
Published Date: 1/12/2026
Notice
Summary
The Federal Reserve is extending its Debit Card Issuer Survey for three more years without any changes. Big banks with $10 billion or more in assets will keep sharing info about debit card transactions and fees. This keeps important data flowing smoothly with no new costs or deadlines to worry about.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 2 costs, 0 mixed.
Large Issuers Keep Reporting
If you are a debit card issuer (including general-use prepaid) that, together with affiliates, has $10 billion or more in assets, you must continue to report annual data through the Debit Card Issuer Survey (FR 3064a). The Board extended the survey for three years without revision; the FR 3064a panel has 531 respondents, estimated average hours per response is 160, and total annual burden hours are estimated at 84,960.
Payment Networks Report Annually
Payment card networks must continue to report annually through the Payment Card Network Survey (FR 3064b). The PCN survey panel is 15 respondents, with an estimated average of 75 hours per response and total annual burden hours of 1,125; the Board decided to keep the annual frequency at this time.
Survey Content Remains Unchanged
The Board will keep the FR 3064 survey questions and cost categories as they are and will not add new line items or new cost categories. This means issuers and networks will not face additional reporting items now, and the survey will continue to collect the same breakdowns (for example, SM vs DM, CP vs CNP, fraud subcategories, and in-house vs third-party costs).
2023 Data Report Publication
The Board intends to publish the report on the 2023 data by the end of 2025. The published report will make the Board's collected summary and aggregate information about debit card transaction costs and interchange fees available to the public.
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Key Dates
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