---
kind: "unit"
title: "12"
title_heading: "Banks and Banking"
key: "chII/subchA/part235"
level: "part"
label: "Part 235"
heading: "Debit Card Interchange Fees and Routing (regulation Ii)"
release: "ecfr-current"
date: "2026-08-27"
url: "https://uscodex.org/cfr/12/chII-subchA-part235"
sections_count: 10
---

# Part 235 — Debit Card Interchange Fees and Routing (regulation Ii)

Title 12 C.F.R. — Banks and Banking › Chapter II — Federal Reserve System › Subchapter A — Board of Governors of the Federal Reserve System

## Sections

- [§235.1. Authority and purpose.](/cfr/12/235.1.md)
- [§235.2. Definitions.](/cfr/12/235.2.md)
- [§235.3. Reasonable and proportional interchange transaction fees.](/cfr/12/235.3.md)
- [§235.4. Fraud-prevention adjustment.](/cfr/12/235.4.md)
- [§235.5. Exemptions.](/cfr/12/235.5.md)
- [§235.6. Prohibition on circumvention, evasion, and net compensation.](/cfr/12/235.6.md)
- [§235.7. Limitations on payment card restrictions.](/cfr/12/235.7.md)
- [§235.8. Reporting requirements and record retention.](/cfr/12/235.8.md)
- [§235.9. Administrative enforcement.](/cfr/12/235.9.md)
- [§235.10. Effective and compliance dates.](/cfr/12/235.10.md)