Hero image for IntelliPays article on the Credit Card Competition Act of 2026 The CCCA has been reintroduced and failed in every congressional session since 2022 including a March 2026 attempt to attach it to a Senate housing bill This article explains why merchants should stop waiting for federal legislation and start using fee recovery programs dual pricing surcharging service fees and interchange plus pricing that are available and compliant today Part of the IntelliPay Payment Intelligence Series