The Credit Card Accountability Responsibility and Disclosure Act of 2009 shook the credit card market to its core. It was the first major legislation that profoundly impacted credit card regulation in recent memory. There were significant doom and gloom predictions at the time as to the impact of the act on customers, banks, and also partners in the co-brand market. To compound the complexity, the Durbin Amendment impacted economic decisions at banks as debit cards became....