119th Congress · introduced in the Senate · Jan 13, 2026
Credit Card Competition Act of 2026
Official title from Congress.gov
Latest action (Jan 13, 2026): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
View on Congress.govPolicy area: Finance and Financial Sector
No official summary has been published for this bill.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
167 citations; showing the 25 most recently posted.
NATIONAL ASSOCIATION OF COLLEGE STORES · lobbying firm or registrant: NATIONAL ASSOCIATION OF COLLEGE STORES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
Amount not reported
…d Consumer Protection Act, Subtitle G, Sec. 1075 of HR 4173 (as enacted). Reasonable fees and rules for payment card transactions and routing of transactions. -S. 3623, - The Credit Card Competition Act of 2026 (all provisions). -H.R. 7035, -The Credit Card Competition Act of 2026 (all provisions).
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
CAPITAL ONE FINANCIAL CORPORATION · lobbying firm or registrant: HARBINGER STRATEGIES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION'S CARD POLICY COUNCIL · lobbying firm or registrant: HARBINGER STRATEGIES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$50,000
Paid to lobbying firm
The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The FY2027 National Defense Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: HARBINGER STRATEGIES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$50,000
Paid to lobbying firm
…nse Authorization Act (H.R.8800/S.4784): issues related to military consumer credit protections and access to credit. The Credit Card Competition Act (H.R.7035/S.3623): issues related to market competition. The Capping Credit Card Interest Rates Act (S.2760): issues related to credit card interest rates.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MASTERCARD WORLDWIDE · lobbying firm or registrant: CGCN GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$80,000
Paid to lobbying firm
Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards (S.3623 and H.R.7035, H.R.7035 and S.3623) Issues related to interest rate caps (S.381 and H.R. 1944) Issues related to small business growth Issues related to payment…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA INC. · lobbying firm or registrant: PHRONESISDC, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$60,000
Paid to lobbying firm
Issues related to S. 3623 - Credit Card Competition Act of 2026; Issues related to digital assets legislation; Issues related to S. 3755 - Digital Commodity Intermediaries Act; Issues r…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA INC. · lobbying firm or registrant: PHRONESISDC, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
Issues related to S. 3623 - Credit Card Competition Act of 2026; Issues related to digital assets legislation; Issues related to H.R. 3633 - Digital Asset Market Clarity Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA, INC. · lobbying firm or registrant: 535 GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
H.R. 3633, Digital Asset Market Clarity Act of 2025 H.R. 7035 and S. 3623 CCCA
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FOOD MARKETPLACE INC · lobbying firm or registrant: FOOD MARKETPLACE INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Minting/Money/Gold Standard
$150,000
Spent on own lobbying
…circulation H.R. 3074/S. 1525/H.R. 10167 - Common Cents Act Issues related to Dodd Frank section 1033/open banking Issues related to stablecoins/cryptocurrency S. 3623/H.R. 7035 - Credit Card Competition Act S. 3849/H.R. 7484 - Community Bank Relief Act Issues related to financial data privacy, Gramm-Leach-Bliley Act H.R. 839…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BOEING COMPANY · lobbying firm or registrant: BOEING COMPANY
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Taxation/Internal Revenue Code
$2,700,000
Spent on own lobbying
….1639 - American Innovation and Jobs Act. H.R.1990 - American Innovation and R&D Competitiveness Act of 2025. H.R.6518 & S.3759 - Securing America's Fuels Act. S.3623 & H.R.7035 - Credit Card Competition Act of 2026. Implementation of P.L. 119-21 - One Big Beautiful Bill Act. Corporate and aviation industry tax issues. Resea…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ATLAS CROSSING LLC ON BEHALF OF NATIONAL ASSOCIATION OF CONVENIENCE STORES · lobbying firm or registrant: HILL EAST GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Small Business
$30,000
Paid to lobbying firm
Issues related to competition in credit card processing; issues related to the illicit sale of tobacco products; S.3623, The Credit Card Competition Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…tion and card technology; issues related to payment card security; issues relating to Data Use and Privacy. Issues relating to the Credit Card Competition Act. S. 3623 & H.R. 7035. S. 394. PL 119-27 Guiding and Establishing National Innovation for US Stablecoin (GENIUS) Act. H.R. 3633, the Digital Asset Market Clarity (CLARIT…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CAPITAL ONE FINANCIAL CORPORATION · lobbying firm or registrant: VENABLE LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…o consumer data privacy; Issues related to payment networks; Issues related to artificial intelligence; Issues related to housing; Credit Card Competition Act (S. 3623/H.R. 7035); Issues related to interest rate caps, and tax matters impacting financial services institutions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMAZON.COM SERVICES LLC · lobbying firm or registrant: AMAZON.COM SERVICES LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$4,490,000
Spent on own lobbying
…gift cards, money transmission licensing, fraud prevention, payment authentication, data security, the CFPB open banking rule, the Credit Card Competition Act (S. 3623 / H.R. 7035), implementation of the Consolidated Appropriations Act 2026 (P.L. 119-75), and financial inclusion.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
JPMORGAN CHASE HOLDINGS LLC · lobbying firm or registrant: JPMORGAN CHASE HOLDINGS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$1,460,000
Spent on own lobbying
S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit r…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA · lobbying firm or registrant: AVOQ, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
Issues related to credit card interchange; Issues relating to H.R. 7035/S. 3623, the Credit Card Competition Act; General monitoring of issues related to digital assets; H.R. 3633, Digital Asset Market Clarity Act of 2025; Issues related t…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA, INC. · lobbying firm or registrant: VISA INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$2,520,000
Spent on own lobbying
…ormation and payments innovations. Issues relating to artificial intelligence (AI) in payments innovations. Issues relating to the Credit Card Competition Act (S.3623, H.R. 7035). Issues relating to merchant category codes. Issues relating to privacy and data use. Issues relating to stablecoin regulation. Issues relating to…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL RETAIL FEDERATION · lobbying firm or registrant: THOLOS GOVERNMENT RELATIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Paid to lobbying firm
S. 3623 / H.R. 7035 - Credit Card Competition Act of 2026
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MASTERCARD WORLDWIDE · lobbying firm or registrant: MASTERCARD WORLDWIDE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,850,000
Spent on own lobbying
Issues related to interchange, cost of acceptance, debit interchange price controls, and routing mandates for credit cards (H.R.7035 and S.3623) Issues related to interest rate caps (S.381 and H.R. 1944) Issues related to digital assets and stablecoins (H.R. 3633) Issues related to small business growt…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MASTERCARD WORLDWIDE · lobbying firm or registrant: 9TH STREET STRATEGIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$30,000
Paid to lobbying firm
Issues related to credit cards, issues related to interchange, Credit Card Competition Act (S.3623/H.R.7035)
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…countability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Sp…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PILOT TRAVEL CENTERS LLC · lobbying firm or registrant: PILOT TRAVEL CENTERS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$160,000
Spent on own lobbying
H.R. 7035/S.3623 - Credit Card Competition Act of 2026 H.R. 3074/S. 1525 - Common Cents Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
LOWE'S COMPANIES INC. · lobbying firm or registrant: LOWE'S COMPANIES INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$590,000
Spent on own lobbying
H.R. 7035/S.3623 Credit Card Competition Act of 2026 H.R. 3074/S.1525 Common Cents Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS) · lobbying firm or registrant: NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Small Business
$1,910,000
Spent on own lobbying
…related to Health Reform Issues related to regulatory reforms Issues related to Waters of United State Senate: S. 100, the Repealing Big Brother Overreach Act S.3623, the Credit Card Competition Act of 2026 S. 4427, Heat Workforce Standards Act of 2026 S. 3117, the Worker Reforming Elections for Speedy and Unimpeded Labor T…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA, INC. · lobbying firm or registrant: FULCRUM PUBLIC AFFAIRS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$50,000
Paid to lobbying firm
Issues related to credit card interchange; Issues relating to H.R. 7035/S. 3623, the Credit Card Competition Act; Issues related to H.R. 3633, Digital Asset Market Clarity Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing