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The UK Card Association has submitted proposals to the government for the forthcoming regulation of the card industry. These proposals aim to protect competition in the market and ensure that issuers can lend reasonably. While the proposals should lead to more transparency in the market, the introduction of fees and ever higher APRs becomes inevitable.
EMV adoption is gathering steam in the US, and issuers and acquirers must be prepared for what this will mean for card fraud.
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