---
kind: "section"
citation: "12 C.F.R. § 235.6"
title: "12"
number: "235.6"
heading: "Prohibition on circumvention, evasion, and net compensation."
url: "https://uscodex.org/cfr/12/235.6"
---

# §235.6. Prohibition on circumvention, evasion, and net compensation.

- (a) **Prohibition of circumvention or evasion.** No person shall circumvent or evade the interchange transaction fee restrictions in §§ [235.3](/cfr/12/235.3.md) and [235.4](/cfr/12/235.4.md).
- (b) **Prohibition of net compensation.** An issuer may not receive net compensation from a payment card network with respect to electronic debit transactions or debit card-related activities within a calendar year. Net compensation occurs when the total amount of payments or incentives received by an issuer from a payment card network with respect to electronic debit transactions or debit card-related activities, other than interchange transaction fees passed through to the issuer by the network, during a calendar year exceeds the total amount of all fees paid by the issuer to the network with respect to electronic debit transactions or debit card-related activities during that calendar year. Payments and incentives paid by a network to an issuer, and fees paid by an issuer to a network, with respect to electronic debit transactions or debit card related activities are not limited to volume-based or transaction-specific payments, incentives, or fees, but also include other payments, incentives or fees related to an issuer's provision of debit card services.

## Notes

### Authority

Authority: 15 U.S.C. 1693o-2.

### Source

Source: Reg. II, 76 FR 43466, July 20, 2011, unless otherwise noted.