12 CFR § 235.6 - Prohibition on circumvention, evasion, and net compensation.

---
identifier: "/us/cfr/t12/s235.6"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 235.6 - Prohibition on circumvention, evasion, and net compensation."
title_number: 12
title_name: "Banks and Banking"
section_number: "235.6"
section_name: "Prohibition on circumvention, evasion, and net compensation."
chapter_name: "FEDERAL RESERVE SYSTEM"
subchapter_number: "A"
subchapter_name: "BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"
part_number: "235"
part_name: "DEBIT CARD INTERCHANGE FEES AND ROUTING (REGULATION II)"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "15 U.S.C. 1693o-2."
regulatory_source: "Reg. II, 76 FR 43466, July 20, 2011, unless otherwise noted."
cfr_part: "235"
---


# 235.6 Prohibition on circumvention, evasion, and net compensation.

(a) *Prohibition of circumvention or evasion.* No person shall circumvent or evade the interchange transaction fee restrictions in §§ 235.3 and 235.4.

(b) *Prohibition of net compensation.* An issuer may not receive net compensation from a payment card network with respect to electronic debit transactions or debit card-related activities within a calendar year. Net compensation occurs when the total amount of payments or incentives received by an issuer from a payment card network with respect to electronic debit transactions or debit card-related activities, other than interchange transaction fees passed through to the issuer by the network, during a calendar year exceeds the total amount of all fees paid by the issuer to the network with respect to electronic debit transactions or debit card-related activities during that calendar year. Payments and incentives paid by a network to an issuer, and fees paid by an issuer to a network, with respect to electronic debit transactions or debit card related activities are not limited to volume-based or transaction-specific payments, incentives, or fees, but also include other payments, incentives or fees related to an issuer's provision of debit card services.