The day after President Donald Trump threw his support behind the bipartisan Credit Card Competition Act (CCCA), landmark legislation designed to inject competition into the credit card payments market to curb excessive swipe fees that burden small businesses and consumers, a bipartisan group of Senators and Representatives reintroduced the bill in the Senate and House, respectively.
The Credit Card Competition Act of 2025, bipartisan legislation sponsored in the Senate by Sen. Roger Marshall (R-KS) and Sen. Dick Durbin (D-IL) and in the House by Rep. Zoe Lofgren (D-CA) and Rep. Lance Gooden (R-TX), would require the two largest credit card networks (VISA and Mastercard) to offer merchants a choice of at least two unaffiliated processing networks — restoring competition and transparency to a system currently dominated by a handful of powerful companies.
OHI has championed this bipartisan legislation through a multi-industry coalition called the Merchants Payments Coalition, traveling to Washington, D.C. with more than 75 different OHI-member outdoor hospitality businesses in the past two years.
What can you do to make a difference? Send in a letter to Congress asking they support the Credit Card Competition Act. Using OHI’s Advocacy Action Center it will literally take you one minute to complete: https://www.votervoice.net/OHI/campaigns/108768/respond. Please share this link with everyone associated with your business. The more letters sent the better.
“It’s important we inundate congressional offices with letters of support, and this bill will help your customers too, so if you want to go the extra mile in support of this issue and our industry, please send this link out to all your campers: https://www.votervoice.net/OHI/campaigns/132666/respond.”
“We are glad to see Congress taking action on this important legislation that is vital to the success of small businesses in every industry — including ours,” said David Basler, OHI’s chief strategy officer and senior vice president of government affairs. “Our members are focused on the camper experience and part of that is making camping affordable, which is made difficult as credit card swipe fees continue to rise every year. The Credit Card Competition Act offers a common-sense solution that promotes free-market competition that will be good for small businesses and the camping consumer.”
Swipe fees, charged every time a consumer uses a credit card, cost U.S. businesses tens of billions of dollars each year, expenses that are often passed on to consumers in the form of higher prices. Unlike many other industries, the credit card processing market lacks meaningful competition, allowing fees to rise unchecked, and these fees only continue to rise year-after-year.
“The average American family is being ripped off by Big Banks, who profit billions from swipe fees while hardworking Americans pay the price. It’s time to bring real competition to a credit card network market dominated by Visa and Mastercard — and drive down the cost of everyday goods,” said Sen. Marshall. “The American Dream doesn’t work when the system is rigged, and this bill helps level the playing field. I’m grateful to have President Trump’s support, and I look forward to working with Senator Durbin to get this across the finish line.”
“The average American household is paying over $1,000 each year on credit card swipe fees, the highest in the world. Right now, just two major credit card companies are setting swipe fees for the nation’s largest banks, crushing consumers and small businesses. Our bipartisan Credit Card Competition Act will provide needed relief by fostering competition, lowering prices for everyone. I’m proud to re-introduce this bill with my House and Senate colleagues,” said Rep. Lofgren.
OHI said it looks forward to continuing to work with lawmakers on both sides of the aisle, OHI-member business owners, and consumer advocate coalitions to advance policies that strengthen competition and protect American businesses and families.
Read the Senate version of the bill here.
Read the House version of the bill here.
