“Pressing to pass his Credit Card Competition Act (which would require large card-issuing banks to offer at least two network options to process credit transactions, aimed at the Visa-Mastercard duopoly), Durbin pledged to keep siding with consumers and merchants over the card industry: "I will always choose Main Street over Wall Street."”
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All three cited sources were WebFetched and are reachable, and each documents the CHAMPIONED outcome for this promise with the cited quotes appearing as claimed. Source 1 (durbin.senate.gov, Jan 13, 2026) confirms Durbin and Marshall REINTRODUCED the Credit Card Competition Act and contains verbatim "By bringing real competition to credit card networks, which is currently dominated by the Visa-Mastercard duopoly, we can reduce swipe fees and hold down costs for Main Street merchants and their customers." Source 2 (durbin.senate.gov, Jan 15, 2026) documents Durbin's Senate floor speech urging colleagues to support the bill and contains verbatim "The banking industry hates the Marshall-Durbin [Credit Card Competition Act] like the devil hates holy water," plus the swipe-fees/small-business/working-families framing. Source 3 (Payments Dive, Apr 4, 2025) confirms Durbin spoke at the National Restaurant Association conference (Apr 2) and met the National Retail Federation (Apr 3) to build support and discuss reintroduction. Crucially for the CHAMPIONED bar, the sources show REAL LEADERSHIP — Durbin is the named lead author/sponsor of the "Marshall-Durbin" bill, personally reintroduced it, delivered a floor speech, and mobilized merchant coalitions — far beyond a lone vote or passive support. The promise is an ongoing advocacy/posture pledge to "keep siding with consumers and merchants over the card industry"; the bill is not yet enacted, so this is active championing rather than a fulfilled FULL outcome. Rating upheld.
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