Payments
RILA works with lawmakers and regulators to increase competition in the payments ecosystem, reduce excessive swipe fees, and ensure retailers can route transactions efficiently.
Strong competition across industries connected to retail drives innovation, lowers prices, and expands consumer choice. RILA works with policymakers and regulators to strengthen fair market competition and ensure retailers and consumers benefit from an open marketplace.
Intense competition is the hallmark of America’s retail industry, driving innovation and bringing consumers lower prices and great products and services. Unfortunately, the absence of competition elsewhere in the retail ecosystem stifles the benefits that naturally result from competition.
Regulators and lawmakers are continuing their investigations into how large technology firms use their power to stifle competition and harm consumers. These ongoing investigations present an opportunity to shed light on harmful practices by tech platforms, including Amazon, Meta, and Google. Consequently, RILA is engaging with regulators and policymakers to identify anticompetitive practices that harm consumers and contributing constructively to the development of potential solutions.
RILA believes that strong competition in retail-related industries will benefit consumers and allow retailers to thrive. As such, RILA is encouraging policymakers to take four primary courses of action: closely examine technology platforms’ anti-competitive behavior; scrutinize information infrastructure firms; carefully consider anticompetitive data use; and review competitor cooperation that is no longer technologically necessary—particularly in the area of credit interchange.
RILA urges policymakers to closely scrutinize these areas and take action to strengthen a healthy, competitive marketplace.
Explore additional policy priorities within the Retail Works for All of Us framework shaping innovation, opportunity, and economic growth across the retail industry.
RILA works with lawmakers and regulators to increase competition in the payments ecosystem, reduce excessive swipe fees, and ensure retailers can route transactions efficiently.
Retailers support strong consumer privacy protections and a clear national framework that ensures responsible data use while maintaining innovation and customer trust.
Retailers depend on global trade to keep products affordable and supply chains resilient. Learn how RILA works with policymakers to support fair trade policies, open markets, and global competitiveness for the retail industry.