Earlier this month, VISA amended its rules so that merchants are now allowed to offer discounts based on which debit or credit card a customer uses for a transaction. Previously, VISA's rules had prohibited merchants from differentiating between cards or offering discounts to customers who used cards from certain banks. Under the new rules, merchants can offer discounts on whichever cards they choose, presumably for steering customers to debit and credit cards that are least expensive for the merchant. Due to the Durbin Amendment's price caps on interchange fees for banks over $10 billion in assets, Visa's newly amended rules are likely to increase the pressure on banks under $10 billion to lower their interchange fees, yet again disproving the arguments that passing laws purporting to affect only larger banks will not adversely affect community banks.