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pdfFR 3063a
OMB No. 7100-0343
Approval expires December 31, 2014
GOVERNMENT-ISSUED, GENERAL-USE
PREPAID CARD SURVEY
Issuer Survey
Survey Period:
Calendar Year 2011
1
General Instructions
About this Survey
The information requested is required by law [15 U.S.C. 1693o-2] to support an annual report to the
Congress on the prevalence of the use of general-use prepaid cards in federal, state, or local
government-administered payment programs, and the interchange fees and cardholder fees charged with
respect to the use of such general-use prepaid cards.
Your Participation
To achieve the most reliable results, it is important that you respond completely and accurately. Please
leave no survey item blank.
The survey should be completed in aggregate for all government-administered payment programs and for
each government-administered payment program individually for which you are the issuer. Sections II
through X should be repeated as many times as needed to provide the requested data on each
government-administered payment program.
There are three possible ways to answer a survey question:
Enter a Value: The actual numeric value of the data element.
Enter a Zero: When the calculated value equals zero. Please do not enter a non-numeric
value, e.g. “NA” or “NR,” when the value equals zero.
Enter “NR” (Not Reported): If your institution engages in the activity of the type being
measured but you are unable to report a figure that reflects that activity.
Please do not enter “NA.”
If for any reason you cannot provide complete data or you have questions please contact
Jennifer Williams at 202-452-2446 or e-mail [email protected] for assistance.
The survey will be made available online at https://www.federalreserve.gov/debitcardsurveys.
Please complete the survey by April 16, 2012.
Response Confidentiality and Burden
The Federal Reserve Board regards the individual organization information provided by each respondent
as confidential (5 U.S.C. § 552(b)(4)). The Board, however, may publish aggregate or summary
information in a way that does not reveal your individual organization’s confidential information. If it
should be determined subsequently that any information collected on this form must be released, the
respondents will be notified.
Public reporting burden for this collection of information is estimated to be 50 hours per response,
including the time to gather data in the required form and to review instructions and complete the
information collection. Send comments regarding this burden estimate or any other aspect of this
collection of information, including suggestions for reducing the burden, to Secretary, Board of Governors
of the Federal Reserve System, 20th and C Streets, N.W., Washington, D.C. 20551 or via email to
[email protected]; and to the Office of Management and Budget, Paperwork Reduction Project
(7100-to be assigned), Washington, D.C. 20503. The Federal Reserve may not conduct or sponsor, and
an organization (or a person) is not required to respond to, a collection of information unless it displays a
currently valid OMB control number.
2
Section I:
1.
Respondent Information
Name of the card issuer covered in this response
2. Contact person(s) by section of the survey for which responsible
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
Name
Email
Section
Phone
3
Section II:
Government-Administered, General-Use
Prepaid Card Program Information
Please enter totals only for transactions related to government-administered, general-use prepaid cards
linked to U.S.-domiciled accounts involving a merchant located in the United States during calendar year
(CY) 2011.
For sections II through X, provide totals in aggregate for all government-administered payment programs for
which you are the general-use prepaid card issuer. Then repeat sections II through X (as many times as
needed) to provide totals for each government-administered payment program individually (as listed in
Question 1 below) for which you are the general-use prepaid card issuer. Unless otherwise noted, totals
should be reported on a program basis.
Include:
All general-use prepaid card programs administered by a federal, state, or local government
agency. Examples of such general-use card programs include, but are not limited to, federal benefit
programs (such as Social Security Administration, Supplemental Security Income, and Veterans
Administration), electronic benefit transfer programs (such as the Supplemental Nutrition Assistance
Program (SNAP)), cash assistance programs (such as Temporary Assistance to Needy Families and
the Heating and Energy Assistance Program), payroll programs, child support programs,
reimbursement programs, disaster relief programs, and petty cash programs.
Specific instructions for Section II when reporting in aggregate:
List the name of each individual program covered in 1.
Check all that apply in 2.
List all relevant jurisdictions that apply in 3.
List all relevant sponsoring government agencies in 4.
Provide a description of each program covered in 5.
Report the total number of recipients receiving payments for all programs in 6. and check all that apply
when specifying how recipients are counted.
1. Name of government-administered payment program(s) covered in this response
2. Does this response cover federal, state, or local
program(s)?
For reporting totals for an individual program, check only one.
Federal
[ ]
State
[ ]
Local
[ ]
3. Jurisdiction(s)
Geographic area in which the government-administered, general-use prepaid cards have been issued (e.g.
nationally, specific state(s), county/counties, municipality/municipalities).
4. Sponsoring government agency/agencies
Government agency/agencies administering the general-use prepaid card program
4
5. Description of government-administered payment program
Please provide the type of program (e.g. medical benefit, unemployment insurance, child support, SNAP, inkind assistance).
Number
6. Recipients receiving payments on governmentadministered, general-use prepaid cards as of
December 31, 2011
Count each individual, household, or other category only once.
Individual
[ ]
Please specify how recipients are counted:
For reporting totals for an individual program, check
only one.
Household
[ ]
Other
[ ]
If other, please specify:
Section III:
Government-Administered Payment Cards
Number
1. Government-administered, general-use prepaid
cards outstanding as of December 31, 2011
1a.
Government-administered, general-use prepaid cards
for which cardholders receive benefits or
payments from multiple programs as of
December 31, 2011
If responding in aggregate, please list all programs covered within this response for which 1a.
applies:
5
Number
Government-administered, general-use prepaid
cards by network type
2. Allocate “1. Government-administered, generaluse prepaid cards outstanding as of December 31,
2011” between the following categories:
1:
2a + 2b + 2c = 1
2a.
Government-administered, general-use prepaid
cards that can be used on both dual-message
(signature) and single-message (PIN)
networks as of December 31, 2011
2a.1
Government-administered, general-use
prepaid cards that can be used on two or
more unaffiliated networks as of
December 31, 2011
2b.
Government-administered, general-use prepaid
cards that can be used only on a dual-message
(signature) network as of December 31, 2011
2c.
Government-administered, general-use prepaid
cards that can be used only on a singlemessage (PIN) network as of December 31,
2011
Section IV:
Funding
Value ($)
1. Funds loaded onto government-administered, generaluse prepaid cards in 2011
2. Funds outstanding on government-administered,
general-use prepaid cards as of December 31, 2011
6
Section V:
ATM Transactions
Number
1. Government-administered, general-use prepaid
cards outstanding as of December 31, 2011 that can
be used to make ATM cash withdrawals
Volume
Value ($)
2. Total ATM cash withdrawals in 2011
Dollars ($)
3. Total ATM fees assessed for cash withdrawals in 2011
by ATM operators at nonproprietary (out-ofnetwork) ATMs
Section VI:
Purchase Transactions
Volume
Value ($)
Volume
Value ($)
1. Settled purchase transactions in 2011 (excluding
pre-authorizations, denials, adjustments, and returns)
1a.
Settled purchase transactions that
included cash back
Transactions by network type
2. Allocate “1. Settled purchase transactions in 2011”
between the following categories:
2a + 2b = 1
2a.
Dual-message (signature) transactions
2b.
Single-message (PIN) transactions
7
1:
1:
Section VII: Interchange Fees
Interchange fee revenues
Dollars ($)
1. Total interchange fee revenues received on
settled purchase transactions in 2011 (net of interchange
fees reimbursed to acquirers as a result of chargebacks or
returns)
2. Allocate “1. Total interchange fee revenues
received on settled purchase transactions in 2011”
between the following categories:
1:
2a + 2b = 1
2a.
Interchange fee revenues received on dualmessage (signature) transactions
2b.
Interchange fee revenues received on singlemessage (PIN) transactions
Section VIII: Fees Paid by Issuers
1. Fees paid on ATM cash withdrawals to ATM
owners/operators in 2011
2. Fees paid on over-the-counter at-bank (teller)
cash withdrawals to other entities in 2011
3. Other fees paid on cash withdrawals in 2011
Please list other fees paid on cash withdrawals included in 3.:
8
Dollars ($)
Section IX:
Revenues from Cardholder Fees
Purchase transaction fees: Fees assessed to a government-administered, general-use prepaid cardholder
for usage of the card to make purchases. Examples include fees assessed for card usage at the point-ofsale.
ATM fees: Fees assessed to a government-administered, general-use prepaid cardholder for proprietary
(in-network) or non-proprietary (out-of-network) cash withdrawals at an ATM.
Over-the-counter at-bank (teller) cash withdrawal fees: Fees assessed to a government-administered,
general use prepaid cardholder for initiating a cash withdrawal at a bank teller location.
Account servicing fees: Fees assessed to a government-administered, general-use prepaid cardholder that
includes allowing the account balance to fall below a certain amount, initiating on-line bill payment
transactions (including fees for individual or recurring payments, proof of payment requests, research
requests, stop payment requests, and returned items), transferring funds from the general-use prepaid card
to a bank account, converting currency, initiating a cash withdrawal at a money service transmitter,
requesting standard or expedited card replacement, or requesting check issuance.
Routine monthly fees: Fees assessed to a government-administered, general-use prepaid cardholder, on a
monthly basis, for general maintenance of the general-use prepaid card.
Customer service inquiry fees: Fees assessed to a government-administered, general-use prepaid
cardholder that includes human interaction between the cardholder and the issuer (such as customer
service calls to a live representative) and checking the available balance or recent activity on a card via an
ATM, an automated interactive voice response menu (via landline or cell phone), or web-based account
access.
Penalty fees: Fees assessed to a government-administered, general-use prepaid cardholder for the
infraction of an issuer’s rules or policies. Examples of penalty fees include daily limit fees (i.e.,
circumstances where a cardholder exceeded the transaction amount allowed on a daily basis), inactivity
fees (such as fees assessed after a period of time without deposit, purchase, withdrawal, or other
transaction activity), or account termination fees. Do not include overdraft fees.
Overdraft fees: Fees assessed to a government-administered, general-use prepaid cardholder for a
negative balance (a transaction that was paid despite insufficient funds on the card) or a denied transaction
(a transaction that was denied for insufficient funds).
Other fees: Any fees not included in the other fee categories that are assessed to a governmentadministered, general-use prepaid cardholder.
Note: Volume data will be collected in Section X.
9
Total revenues
Dollars ($)
1. Total revenue received on fees assessed to
cardholders in 2011
2. Allocate “1. Total revenue received on fees
assessed to cardholders in 2011” between the
following categories:
2a + 2b + 2c + 2d + 2e + 2f + 2g + 2h + 2i = 1
2a.
2b.
Purchase transaction fees assessed to
cardholders in 2011
ATM fees assessed to cardholders in 2011
Do not include ATM operator fees for transactions at
nonproprietary ATMs reported in V.3
2c.
Over-the-counter at-bank (teller) cash
withdrawal fees assessed to cardholders in 2011
2d.
Account servicing fees assessed to cardholders
in 2011
2e.
Routine monthly fees assessed to cardholders
in 2011
2f.
Customer service inquiry fees assessed to
cardholders in 2011
2g.
Penalty fees assessed to cardholders in 2011
2h.
Overdraft fees assessed to cardholders in 2011
2i.
Other fees assessed to cardholders in 2011
Please list types of fees included in 2i.:
10
1:
Section X:
Fees Assessed to Cardholders
Minimum and maximum values may be the same.
1. Purchase transaction fees
If reporting in aggregate, respond only to question 1c.
1a. Were purchase transaction fees
assessed to cardholders in 2011?
If no, proceed to question 2a.
1a.1
Were these purchase
transaction fees subject to
government-imposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
1b.
Were any of these purchase transaction
fees waived or for some other reason not
assessed to cardholders in 2011?
If no, proceed to 1c.
1b.1
Total number of purchase transaction
fees waived or for some other reason not
assessed to cardholders.
1b.2
Was the number of
purchase transaction
fees waived or for some
other reason not assessed in
1b.1 allotted to the
cardholder monthly, per
deposit to the card, or using
some other unit of measure?
Monthly
[ ]
No
[ ]
Yes
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
11
Number
1c.
Total number of purchase transaction fees
assessed to cardholders in 2011
Do not include the number of transactions for which
purchase transaction fees were waived or for some other
reason not assessed to cardholders.
Dollars ($)
1c.1 Minimum purchase transaction fee
assessed to cardholders in 2011 (per purchase
transaction)
Include only fees greater than $0.00.
1c.2 Maximum purchase transaction fee
assessed to cardholders in 2011 (per purchase
transaction)
Optional: Please provide a brief description of the fee structure applicable to responses under 1.:
12
2. ATM fees assessed to cardholder
Do not include ATM operator fees for transactions at
nonproprietary (out-of-network) ATMs.
If reporting in aggregate, respond only to question 2c.
2a. Were ATM fees assessed to cardholders in
2011?
If no, proceed to question 3a.
2a.1
Were these ATM fees subject to
government-imposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
2b.
Were any of these ATM fees waived or for
some other reason not assessed to
cardholders in 2011?
If no, proceed to 2c.
2b.1
Total number of ATM fees waived or for
some other reason not assessed to
cardholders.
2b.2
Was the number of ATM
fees waived or for some
other reason not assessed to
cardholders in 2b.1 allotted
to the cardholder monthly,
per deposit to the card, or
using some other unit of
measure?
Monthly
[ ]
No
[ ]
Yes
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
13
Number
2c.
Total number of ATM fees assessed to cardholders
in 2011
Do not include the number of ATM cash withdrawals for
which ATM fees were waived or for some other reason not
assessed to cardholders.
Dollars ($)
2c.1 Minimum ATM fee assessed to
cardholders in 2011 (per ATM cash
withdrawal)
Include only fees greater than $0.00.
2c.2 Maximum ATM fee assessed to
cardholders in 2011 (per ATM cash
withdrawal)
Optional: Please provide a brief description of the fee structure applicable to responses under 2.:
14
3. Over-the-counter at-bank (teller) cash
withdrawal fees
If reporting in aggregate, respond only to question 3c.
3a. Were over-the-counter at-bank (teller)
cash withdrawal fees assessed to
cardholders in 2011?
If no, proceed to question 4a.
3a.1
Were these over-the-counter atbank (teller) cash withdrawal
fees subject to governmentimposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
3b.
Were any of these over-the-counter atbank (teller) cash withdrawal fees
waived or for some other reason not
assessed to cardholders in 2011?
If no, proceed to 3c.
3b.1
Total number of over-the-counter atbank (teller) cash withdrawal fees
waived or for some other reason not
assessed to cardholders.
3b.2
Was the number of overthe-counter at-bank
(teller) cash withdrawal
fees waived or for some
other reason not assessed in
3b.1 allotted to the
cardholder monthly, per
deposit to the card, or using
some other unit of measure?
Monthly
[ ]
Yes
[ ]
No
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
15
Number
3c.
Total number of over-the-counter at-bank
(teller) cash withdrawal fees assessed to
cardholders in 2011
Do not include the number of transactions for which the
over-the-counter at-bank (teller) cash withdrawal fees
were waived or for some other reason not assessed to
cardholders.
Dollars ($)
3c.1 Minimum over-the-counter at-bank
(teller) cash withdrawal fee assessed to
cardholders in 2011 (per over-the-counter atbank (teller) cash withdrawal)
Include only fees greater than $0.00.
3c.2 Maximum over-the-counter at-bank
(teller) cash withdrawal fee assessed to
cardholders in 2011 (per over-the-counter atbank (teller) cash withdrawal)
Optional: Please provide a brief description of the fee structure applicable to responses under 3.:
16
4. Account servicing fees
If reporting in aggregate, respond only to question 4c.
4a. Were account servicing fees assessed
to cardholders in 2011?
If no, proceed to question 5a.
4a.1
Were these account servicing
fees subject to governmentimposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
4b.
Were any of these account servicing
fees waived or for some other reason not
assessed to cardholders in 2011?
If no, proceed to 4c.
Yes
[ ]
4b.1
Total number of account servicing fees
waived or for some other reason not
assessed to cardholders.
4b.2
Was the number of account
servicing fees waived or
for some other reason not
assessed in 4b.1 allotted to
the cardholder monthly, per
deposit to the card, or using
some other unit of measure?
Monthly
[ ]
No
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
17
Number
4c.
Total number of account servicing fees
assessed to cardholders in 2011
Do not include the number of account servicing activities
for which account servicing fees were waived or for some
other reason not assessed to cardholders.
Dollars ($)
4c.1 Minimum account servicing fee
assessed to cardholders in 2011 (per account
servicing activity)
Include only fees greater than $0.00.
4c.2 Maximum account servicing fee
assessed to cardholders in 2011 (per account
servicing activity)
Optional: Please provide a brief description of the fee structure applicable to responses under 4.:
18
5. Routine Monthly fees
If reporting in aggregate, respond only to question 5c.
5a. Were routine monthly fees assessed to
cardholders in 2011?
If no, proceed to question 6a.
5a.1
Were these routine monthly
fees subject to governmentimposed restriction?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
5b.
No
[ ]
Yes
[ ]
Were any of these routine monthly fees
waived or for some other reason not
assessed to cardholders in 2011?
If no, proceed to 5c.
Number
5b.1
Total number of routine monthly fees
waived or for some other reason not
assessed to cardholders.
5b.2
Was the number of routine
monthly fees waived or for
some other reason not
assessed in 5b.1 allotted to
the cardholder based on
balance in the account or
using some other unit of
measure?
Balance in
account
[ ]
Other
[ ]
If other, specify unit of measure:
19
Number
5c.
Total number of routine monthly fees assessed
to cardholders in 2011
Do not include the number of months for which routine
monthly fees were waived or for some other reason not
assessed to cardholders.
Dollars ($)
5c.1 Minimum routine monthly fee assessed
to cardholders in 2011 (per month)
Include only monthly fees greater than $0.00.
5c.2 Maximum routine monthly fee assessed
to cardholders in 2011 (per month)
Optional: Please provide a brief description of the fee structure applicable to responses under 5.:
20
6. Customer service inquiry fees
If reporting in aggregate, respond only to question 6c.
6a. Were customer service inquiry fees
assessed to cardholders in 2011?
If no, proceed to question 7a.
6a.1
Were these customer service
inquiry fees subject to
government-imposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
6b.
Were any of these customer service
inquiry fees waived or for some other
reason not assessed to cardholders in 2011?
If no, proceed to 6c.
6b.1
Total number of customer service
inquiry fees waived or for some other
reason not assessed to cardholders.
6b.2
Was the number of
customer service
inquiry fees waived or for
some other reason not
assessed in 6b.1 allotted to
the cardholder monthly, per
deposit to the card, or using
some other unit of measure?
Monthly
[ ]
Yes
[ ]
No
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
21
Number
6c.
Total number of customer service inquiry fees
assessed to cardholders in 2011
Do not include the number of customer service inquiries
for which customer service inquiry fees were waived or for
some other reason not assessed to cardholders.
Dollars ($)
6c.1 Minimum customer service inquiry fee
assessed to cardholders in 2011 (per customer
service inquiry)
Include only fees greater than $0.00.
6c.2 Maximum customer service inquiry
fee assessed to cardholders in 2011 (per
customer service inquiry)
Optional: Please provide a brief description of the fee structure applicable to responses under 6.:
22
7. Penalty fees
If reporting in aggregate, respond only to question 7c.
7a. Were penalty fees assessed to
cardholders in 2011?
If no, proceed to question 8a.
7a.1
Were these penalty fees subject
to government-imposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
7b.
Were any of these penalty fees waived or
for some other reason not assessed in 2011?
If no, proceed to 7c.
No
[ ]
Yes
[ ]
Number
7b.1
Total number of penalty fees waived or for
some other reason not assessed to
cardholders.
7b.2
Was the number of penalty
fees waived or for some
other reason not assessed in
7b.1 allotted to the
cardholder annually or using
some other unit of measure?
Annually
[ ]
Other
[ ]
If other, specify unit of measure:
23
Number
7c.
Total number of penalty fees assessed in 2011
Do not include the number of penalty incidents for which
penalty fees were waived or for some other reason not
assessed to cardholders.
Dollars ($)
7c.1 Minimum penalty fee assessed to
cardholders in 2011 (per penalty incident)
Include only fees greater than $0.00.
7c.2 Maximum penalty fee assessed to
cardholders in 2011 (per penalty incident)
Optional: Please provide a brief description of the fee structure applicable to responses under 7.:
24
8. Overdraft fees
If reporting in aggregate, respond only to question 8c.
8a. Were overdraft fees assessed to
cardholders in 2011?
If no, proceed to question 9a.
8a.1
Were these overdraft fees
subject to government-imposed
restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
8b.
No
[ ]
Yes
[ ]
Were any of these overdraft fees waived
or for some other reason not assessed to
cardholders in 2011?
If no, proceed to 8c.
Number
8b.1
Total number of overdraft fees waived or
for some other reason not assessed to
cardholders.
8b.2
Was the number of
overdraft fees waived or
for some other reason not
assessed in 8b.1 allotted to
the cardholder annaully or
using some other unit of
measure?
Annually [
]
Other
[ ]
If other, specify unit of measure:
25
Number
8c.
Total number of overdraft fees assessed to
cardholders in 2011
Do not include the number of overdrafts for which
overdraft fees were waived or for some other reason not
assessed to cardholders.
Dollars ($)
8c.1 Minimum overdraft fee assessed to
cardholders in 2011 (per overdraft)
Include only fees greater than $0.00.
8c.2 Maximum overdraft fee assessed to
cardholders in 2011 (per overdraft)
Optional: Please provide a brief description of the fee structure applicable to responses under 8.:
26
9. Other fees assessed to cardholder (not
enumerated in other fee categories)
If reporting in aggregate, respond only to question 9c.
9a. Were other fees assessed to cardholders
in 2011?
If no, skip remaining questions in this
section.
9a.1
Were these other fees subject to
government-imposed restrictions?
Yes
[ ]
No
[ ]
Yes
[ ]
No
[ ]
Please describe government-imposed restrictions:
9b.
Were any of these other fees waived or for
some other reason not assessed to
cardholders in 2011?
If no, proceed to 9c.
9b.1
Total number of other fees waived or for
some other reason not assessed to
cardholders.
9b.2
Was the number of other
fees waived or for some
other reason not assessed in
9b.1 allotted to the
cardholder monthly, per
deposit to the card, or using
some other unit of measure?
Monthly
[ ]
No
[ ]
Yes
[ ]
Number
Per
deposit
to card
[ ]
Other
[ ]
If other, specify unit of measure:
27
Number
9c.
Total number of other fees assessed in 2011
Do not include the number of other fee actions for which
other fees were waived or for some other reason not
assessed.
Dollars ($)
9c.1 Minimum other fee assessed to
cardholders in 2011 (per other fee action)
Include only fees greater than $0.00.
9c.2 Maximum other fee assessed to
cardholders in 2011 (per other fee action)
Optional: Please provide a brief description of the fee structure applicable to responses under 9.:
28
Glossary of Terms
Account servicing fee: Fee assessed to a government-administered, general-use prepaid
cardholder that includes allowing the account balance to fall below a certain amount, initiating on-line
bill payment transactions (including fees for individual or recurring payments, proof of payment
requests, research requests, stop payment requests and returned items), transferring funds from the
general-use prepaid card to a bank account, converting currency, initiating a cash withdrawal at a
money service transmitter, requesting standard or expedited card replacement, or requesting check
issuance.
ATM fee: Fee assessed to a government-administered, general-use prepaid cardholder for proprietary
(in-network) or non-proprietary (out-of-network) cash withdrawals at an ATM.
Cardholder: Individual, household, or other category used for issuing a general-use prepaid card in a
government-administered payment program.
Customer service inquiry fee: Fee assessed to a government-administered, general-use prepaid
cardholder that includes checking the available balance or recent activity on a card via an ATM, an
automated interactive voice response menu (via landline or cell phone), web-based account access
or when human interaction between the cardholder and the issuer is involved (such as customer
service calls to a live representative).
Dual-message (signature) transaction: Transaction type by which authorization information is
carried in one message and clearing information is carried in a separate message.
General-use prepaid card: A card or other payment code or device that is (1) issued on a prepaid
basis in a specified amount, whether or not that amount may be increased or reloaded, in exchange
for payment and (2) redeemable upon presentation at multiple unaffiliated merchants for goods or
services. For the purposes of this survey, this definition applies to card programs, which include, but
are not limited to, federal benefits (such as Social Security Administration, Supplemental Security
Income, and Veterans Administration), electronic benefit transfer (such as SNAP), cash assistance
(such as Temporary Assistance to Needy Families and the Heating and Energy Assistance Program),
payroll, child support, reimbursements, disaster relief, and petty cash. In addition, the funds related
to these card programs may be loaded directly onto the card, into an account associated with the
card, or set aside in some other manner for the benefit of the cardholder.
Government-administered payment program: A program is considered governmentadministered regardless of whether a federal, state, or local government agency operates the
program or outsources some or all functions to third parties so long as the program is operated on
behalf of the government agency. In addition, a program may be government-administered even if a
federal, state, or local government agency is not the source of funds for the program it administers.
For example, child support programs are government-administered programs even though a federal,
state, or local government agency is not the source of the funds. In addition, to the extent Health
Savings Account, Flexible Spending Account, and Health Reimbursement Arrangement accounts are
offered in connection with a person's employment and administered by or on behalf of a government
employer, such accounts are considered government-administered payment programs. Jury duty
payment programs administered by federal, state, or local governments, including courts, are also
considered government-administered payment programs. Further, local government-administered
payment programs would include programs administered by tribal governments.
Government-imposed restrictions: Requirements imposed by a federal, state or local
government agency restricting or limiting an issuer from assessing certain fees to general-use
prepaid cardholders in government-administered payment programs. An example might include a
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government agency requiring an issuer to provide the first ATM cash withdrawal at no charge to the
cardholder.
Jurisdiction: Geographic area in which government-administered, general-use prepaid cards have
been issued (such as nationally, specific state, county, or municipality).
Nonproprietary (out-of-network) ATM: An ATM machine that is not owned by, operated
exclusively for, or operated by the card issuing depository institution, or is not part of a network with
which the card issuing depository institution is a member such that ATM use is treated as if the ATM
machine is proprietary.
Other fee: Any fee not included in other fee definitions that are assessed to a governmentadministered, general-use prepaid cardholder.
Overdraft fee: Fee assessed to a government-administered, general-use prepaid cardholder for a
negative balance (a transaction that was paid despite insufficient funds on the card) or a denied
transaction (a transaction that was denied for insufficient funds).
Over-the-counter at-bank (teller) cash withdrawal fee: Fee assessed to a governmentadministered, general use prepaid cardholder for initiating a cash withdrawal at a bank teller location.
Penalty fee: Fee assessed to a government-administered, general-use prepaid cardholder for the
infraction of an issuer’s rule(s) or policy/policies. Examples of penalty fees include, daily limit fees
(circumstances where a cardholder exceeded the transaction amount allowed on a daily basis),
inactivity fees (fees assessed after a period of time (days or months) without deposit, purchase,
withdrawal, or other transaction activity), or account termination fees. Do not include overdraft fees.
Purchase transaction fee: Fee assessed to a government-administered, general use prepaid
cardholder for routine usage of the card for purchase transactions. Examples of routine transaction
fees include fees assessed for card usage at the point-of-service (purchase).
Routine Monthly fee: Fee assessed to a government-administered, general-use prepaid cardholder,
on a monthly basis, for general maintenance of the card.
Settled purchase transaction: A prepaid card transaction that has been settled. Exclude
transactions that are pre-authorizations, denials, adjustments, and returns.
Single-message (PIN) transaction: Transaction type by which authorization and clearing
information is carried in one message.
Total interchange fee revenue received: Total value of fees received that are established,
charged, or received by a payment card network and paid by a merchant or an acquirer for the
purpose of compensating an issuer for its involvement in the debit card transaction.
United States: The states, territories, and possessions of the U.S., the District of Columbia, the
Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
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| File Type | application/pdf |
| File Title | Microsoft Word - FR3063a_issuer_survey_20111221.docx |
| Author | m1jas00 |
| File Modified | 2011-12-22 |
| File Created | 2011-12-22 |