In September, PIAC commented on the Department of Finance Canada’s Consultation on Reducing Credit Card Transaction Fees. PIAC urged the government to ensure consumers are not collateral damage in the fight between merchants and credit card companies. We recommended that the federal government develop a regulatory framework for credit card transaction fees that includes not only interchange rates, but also merchant surcharging and acquirer network and service fees. We also suggested that the government should develop a rate setting scheme for interchange, surcharge, or acquirer fees that is subject to regular review, and develop a mechanism for consumers to report misconduct and also take steps towards proactive regulation.