I 
110TH CONGRESS 
2D SESSION 
H. R. 6620 
To amend the Truth in Lending Act to limit the amount of the interchange 
fee imposed on the sale of motor vehicle fuel, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 24, 2008 
Mr. LYNCH introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the Truth in Lending Act to limit the amount 
of the interchange fee imposed on the sale of motor 
vehicle fuel, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Gas Pump Fair Pay-
ment Act of 2008’’. 
SEC. 2. LIMIT IMPOSED. 
(a) IN GENERAL.—Chapter 2 of the Truth in Lend-
ing Act (15 U.S.C. 1631 et seq.) is amended by inserting 
after section 127A the following new section: 
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‘‘§ 127B. Limit on certain interchange fees. 
‘‘(a) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
‘‘(1) CHARGE
CARD.—The term charge card 
has the same meaning as in section 127(c)(4)(E). 
‘‘(2) DEBIT
CARD.—The term ‘debit card’ 
means any card or other device issued by a financial 
institution (as defined in section 903(8)) to a con-
sumer for use in initiating electronic fund transfers 
(as defined in section 903(6)) from the account of 
the consumer at such financial institution for the 
purpose of transferring money between accounts or 
obtaining money, property, labor, or services. 
‘‘(3) ELECTRONIC
PAYMENT
SYSTEM
NET-
WORK.—The term ‘electronic payment system net-
work’ means a network that provides, through li-
censed members, processors, or agents— 
‘‘(A) for the issuance of payment cards (by 
credit card issuers in the case of a credit card, 
charge card issuers in the case of a charge 
card, or financial institutions (as defined in sec-
tion 903(8)) in the case of debit cards) bearing 
any logo of the network; 
‘‘(B) the proprietary services and infra-
structure that route information and data to fa-
cilitate transaction authorization, clearance, and 
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settlement that merchants must access in order 
to accept payment cards bearing any logo of the 
network as payment for goods and services; and 
‘‘(C) for the screening and acceptance of 
merchants into the network in order to allow 
such merchants to accept payment cards bear-
ing any logo of the network as payment for 
goods and services. 
‘‘(4) LICENSED MEMBER.—The term ‘licenced 
member’, in connection with any electronic payment 
system network, includes— 
‘‘(A) any creditor or charge card issuer 
that is authorized to issue credit cards or 
charge cards bearing any logo of the network; 
‘‘(B) any financial institution (as defined 
in section 903(8)) that is authorized to issue 
debit cards to consumers who maintain ac-
counts at such institution; and 
‘‘(C) any person, including any financial 
institution, on occasion referred to as an 
‘acquirer’ that is authorized— 
‘‘(i) to screen and accept merchants 
into any program under which any pay-
ment card bearing any logo of such net-
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work may be accepted by the merchant for 
payment for goods or services; 
‘‘(ii) to process transactions on behalf 
of any such merchant for payment; and 
‘‘(iii) to complete financial settlement 
of any such transaction on behalf of such 
merchant. 
‘‘(5) MERCHANT.—The term ‘merchant’ means 
any person in the business of selling or providing 
any good or service for consideration. 
‘‘(6) PAYMENT
CARD.—The term ‘payment 
card’ means a credit card , a charge card, or a debit 
card. 
‘‘(b) EXCESS CHARGES PROHIBITED IN SALES OF 
MOTOR VEHICLE FUEL.—An electronic payment system 
network may not, directly or through any agent, processor, 
or licensed member of the network, require or permit any 
merchant to pay any interchange, processing, or other fee 
in connection with any payment card transaction involving 
the purchase by a consumer of any motor vehicle fuel in 
any amount in excess of the amount that is equal to 1 
percent of the cost of each gallon of such fuel. 
‘‘(c) ENFORCEMENT.—Subsections (a), (b), and (h) 
of section 130 shall be applied for purposes of this section 
by substituting the term ‘an electronic payment system 
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network, or any agent, processor, or licensed member of 
any such network’ for ‘creditor’ each place such term ap-
pears in such subsections. 
‘‘(d) SUNSET.—This section shall not apply to the 
sale of any motor vehicle fuel after the end of the 6-month 
period beginning on the date of the enactment of the Gas 
Pump Fair Payment Act of 2008.’’. 
(b) CLERICAL AMENDMENT.—The table of sections 
for chapter 2 of the Truth in Lending Act is amended 
by inserting after the item relating to section 127A the 
following new item: 
‘‘127B. Limit on certain interchange fees.’’. 
Æ 
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