Minnesotan bank TCF has taken up against changes under the Dodd-Frank Act that will affect interchange fees for debit and pre-paid card processing fees. In fact, the bank has filed a suit against the Federal Reserve Board over the amendments made to the Act that cover interchange fees.

The amendments—known collectively as the Durbin Amendment for Senator Richard Durbin (Ill), who introduced them—mandate the Fed to analyze and regulate the fees that card networks can charge to retail companies for processing debit and pre-paid card transactions. It requires the regulator to ensure the fee structure is “reasonable and proportional” to the processing costs.