Kansas Bankers Launch Campaign Against Marshall-Backed Credit Card Legislation

Bankers warn proposed bills could cut credit card access for over 1 million Kansans

Published on Feb. 17, 2026

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The Kansas Bankers Association has launched a statewide media campaign opposing two federal proposals backed by Senator Roger Marshall (R-Kan.). The bankers warn that a proposed 10% interest rate cap and changes to credit card transaction routing could dramatically reduce credit card access for over 1 million Kansans.

Why it matters

This campaign highlights the ongoing debate between lawmakers, banks, and retailers over credit card fees, interest rates, and consumer protections. The outcome could have significant impacts on credit availability and costs for Kansas families and small businesses.

The details

The Kansas Bankers Association says the proposed 10% interest rate cap and changes to credit card transaction routing backed by Sen. Marshall could severely limit credit card access for over 1 million Kansans. Bankers argue these "government-imposed" measures would "devastate families and small businesses" by reducing credit options and benefits like rewards programs.

  • The Kansas Bankers Association launched its statewide media campaign on Monday, February 16, 2026.

The players

Roger Marshall

A Republican U.S. Senator from Kansas who has backed the proposed credit card legislation.

Doug Wareham

The President and CEO of the Kansas Bankers Association, which is leading the campaign against the Marshall-backed bills.

Kansas Bankers Association

A trade group representing banks in Kansas that has launched a statewide media campaign opposing the credit card legislation backed by Sen. Marshall.

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What they’re saying

“'A government-imposed interest rate cap of 10 percent would eliminate or significantly reduce credit card access for more than 1 million Kansans who rely on their cards. While it may sound appealing to some, the fact is that price controls like this would ultimately devastate families and small businesses. We urge Senator Marshall to reconsider.'”

— Doug Wareham, President and CEO, Kansas Bankers Association

“'The average American family is being ripped off by Big Banks, who profit billions from swipe fees while hardworking Americans pay the price. It's time to bring real competition to a credit card network market dominated by Visa and Mastercard — and drive down the cost of everyday goods.'”

— Roger Marshall

What’s next

The Kansas Bankers Association is urging Sen. Marshall to reconsider his support for the proposed credit card legislation. The outcome of this debate could determine the future of credit card access and costs for Kansas consumers and businesses.

The takeaway

This campaign highlights the ongoing tensions between banks, lawmakers, and retailers over credit card fees, interest rates, and consumer protections. The proposed legislation backed by Sen. Marshall aims to increase competition and lower costs, but banks warn it could severely restrict credit access for many Kansans.