First couple of lines:

October 1 marks the one-year anniversary of the implementation of debit card  swipe fee reform. It’s a reform that is working well and is a good start toward  bringing transparency and competition to debit and credit card swipe fees.

As a strong advocate of the free market system, I’m confident that I know a  free market when I see one. The credit and debit card swipe fee system is in no  sense a free market.

http://www.politico.com/news/stories/0912/81843.html?hp=l22