Who is lobbying on credit-card interchange ('swipe') fees and the Credit Card Competition Act? Show the organizations on each side, the bills, and the lobbying money, cited to the official record.

Lobbying on Credit Card Competition Act

Bills: S. 3623 and H.R. 7035 (119th Congress, introduced January 13, 2026, currently referred to committee). Earlier versions: S. 1838 and H.R. 3881 (118th Congress).

Supporting Interchange Competition

Retailers & Merchants (largest spenders):

Amazon.com Services LLC - $4,360,000 (2026 Q1-Q2)
National Retail Federation - $4,046,000 (2024 Q1-Q2)
Lowe's Companies - $1,500,000 (2026 Q1-Q2)
Target Corporation - $800,000 (2026 Q1-Q2)
Walmart - $2,650,000 (2024 Q1)
The Home Depot - $1,750,000 (2024 Q1, Q3)
Kroger - $350,000 (2026 Q2)
Best Buy - $580,000 (2026 Q1-Q2)
Chipotle Mexican Grill - $170,000 (2024 Q2)
Albertsons - $680,000 (2024 Q3)
Yum! Brands - $680,000 (2024 Q1, Q4)
QVC Group - $220,000 (2026 Q2)
Pilot Travel Centers - $160,000 (2026 Q2)

Trade Associations & Coalitions:

NFIB (National Federation of Independent Business) - $2,950,000 (2026 Q1-Q2)
National Association of Wholesaler-Distributors - $1,130,000 (2026 Q1-Q2)
National Restaurant Association - $870,000 (2026 Q1)
U.S. Travel Association - $900,000 (2024 Q2)

Other Supporters:

Food Marketplace Inc. - $1,254,000 (2026 Q1-Q2)
Shopify - $240,000 (2024 Q3)

Opposing Interchange Competition

Payment Networks & Banks (largest spenders):

Visa Inc. - $4,720,000 (2026 Q1-Q2)
Mastercard Worldwide - $3,180,000 (2026 Q1-Q2)
American Bankers Association - $6,650,000 (2026 Q1-Q2)
JPMorgan Chase Holdings - $2,400,000 (2026 Q1-Q2)
Wells Fargo & Company - $1,440,000 (2026 Q1-Q2)
Capital One Financial - $2,190,000 (2026 Q1-Q2)
Bank of America - $520,000 (2024 Q2, Q4)
Discover Financial Services - $1,080,000 (2024 Q2, Q4)

Industry Coalitions:

Consumer Bankers Association - $1,860,000 (2026 Q1-Q2)
Credit Union National Association - $2,420,000 (2026 Q1-Q2)
Independent Community Bankers of America - $1,465,730 (2024 Q1-Q2)
Electronic Payments Coalition - $3,019,000 (2024 Q2-Q3) - explicitly opposed S.1838/H.R.3881

Airlines (opposing due to frequent-flyer program concerns):

American Airlines - $2,320,000 (2024 Q2, Q4)
United Airlines - $2,380,000 (2026 Q1-Q2)
Southwest Airlines - $310,000 (2024 Q3)
Hawaiian Airlines - $410,000 (2024 Q3-Q4)
Air Transport Association of America - $2,137,600 (2026 Q1-Q2)
International Association of Machinists and Aerospace Workers - $870,000 (2024 Q3)

Other Opponents:

Americans for Tax Reform - $140,000 (2026 Q1-Q2) - opposing credit card price controls
Boeing Company - $5,220,000 (2026 Q1-Q2) - listed CCCA among multiple bills

Neutral/Monitoring

Procter & Gamble - $220,000 (2026 Q1-Q2)
Corteva Agriscience - $520,000 (2026 Q1-Q2)

Status: Both 2026 bills are currently referred to committee and have not advanced. The issue has been active across two congressional sessions with consistent coalitions on each side.

Sources:

Sources

S. 3623 § 1 - Credit Card Competition Act of 2026 (Congress.gov)
H.R. 3881 § 1 - Credit Card Competition Act of 2023 (Congress.gov)
H.R. 7035 § 1 - Credit Card Competition Act of 2026 (Congress.gov)
S. 1838 § 1 - Credit Card Competition Act of 2023 (Congress.gov)
S. 3660 § 1 - A bill to amend the Truth in Lending Act to reduce excessive credit card late fees, and for other purposes. (Congress.gov)
H.R. 5953 § 3 - Protect Military and Federal Employees from Unfair Bank Fees Act (Congress.gov)
S. 2760 § 1 - Capping Credit Card Interest Rates Act (Congress.gov)
S. 1343 § 1 - Consumer Credit Control Act of 2021 (Congress.gov)
S. 5007 (d) - (B) - SEARCH Act of 2026 (Congress.gov)
S. 5171 § 11 - HOPE Act of 2024 (Congress.gov)
H.R. 9845 § 11 - HOPE Act of 2024 (Congress.gov)
H.R. 3524 § 1 - Ensuring American Global Leadership and Engagement Act (Congress.gov)
Lobbying Activity — hr-7035 (Senate LDA)
Lobbying Activity — s-3623 (Senate LDA)
Lobbying Activity — s-1838 (Senate LDA)
Lobbying Activity — hr-3881 (Senate LDA)