Prepared for the U.S. Bank government relations team by Quorum
www.quorum.usPrepared for U.S. Bank
Quorum brings federal bills, agency rules, state proposals and the officials behind them into one workspace, with AI agents that prepare the first pass. Your government relations team spends less time assembling the picture and more time shaping it.
Your agenda, in context
Three recent public records show how far one agenda reaches across Congress, the regulators and the states.
The Federal Reserve Board proposed rules implementing the GENIUS Act on September 29, 2026. Comments are due November 30, 2026.
Track the Fed, FDIC and OCC proposals as one stablecoin issue, with each comment deadline on the team calendar.
See the full record in QuorumThe New Jersey Assembly Consumer Affairs Committee took up interchange fee bills on October 5, 2026.
Watch committee calendars in every state with an interchange bill, not only the bill list.
See the full record in QuorumThe Credit Card Competition Act of 2026 was introduced in the House and Senate on January 13, 2026. It covers card issuers with more than $100 billion in assets.
Keep the federal bill and the state interchange bills in one issue, so one update covers both.
See the full record in QuorumBased on public records reviewed November 9, 2026. These are reported developments and proposals, not legal conclusions.
Quorum in practice: the interchange patchwork
U.S. Bancorp's lobbying report for the third quarter of 2026 lists the Credit Card Competition Act among its issues.
While Congress weighs a national approach, interchange bills are moving in state capitols, and Illinois has a law on the books that is tied up in court. Quorum puts every one of them in a single view.
Source: U.S. Bancorp lobbying disclosure, Q3 2026, as summarized by Quiver Quantitative on October 20, 2026.
1
state with an interchange law enacted, now enjoined for national banks
4
more states with interchange bills introduced this session
14
state interchange fee bills in all, each read for this page
The Interchange Fee Prohibition Act became law in June 2024. A federal court has enjoined its interchange limits for national banks, and its start date moved to July 1, 2027. Repeal bills HB5743 and SB3237 were introduced in 2026.
As of November 9, 2026
As of November 9, 2026, Illinois has an interchange fee law that is enjoined for national banks and set to start July 1, 2027. New Jersey, New York, Massachusetts and North Carolina have interchange fee bills introduced in their current sessions.
Different bills. Different committees. In Quorum, this view updates itself.
See how Quorum State covers all 50 statesSnapshot as of November 9, 2026, from a title search for interchange fee bills in current state sessions. Court and session status changes fast, so confirm details before acting.
AI that moves the work forward
Quincy and Quorum's agents prepare the first pass. Your team checks the sources and decides what happens next.
Quorum Grassroots
Connect your policy tracking to voluntary employee advocacy, with targeted campaigns and participation reporting.
Invite employees who opt in to contact their own lawmakers on card and interchange proposals. Segment outreach by district and issue interest so each action alert reaches the relevant audience.
When an interchange bill reaches a committee, prepare a targeted write-a-letter campaign for employees in that state. Your team reviews the message and approves the campaign before launch.
Use guided written or video prompts to collect voluntary employee stories about serving local communities. Bring those perspectives into district meetings and policy briefings.
Illustrative use cases, not campaigns run for U.S. Bank or statements of its policy positions. Employee participation is voluntary; campaigns remain subject to your internal review.
See your card, stablecoin and interchange issues in a demo built around them.