ACT believes the bill should place no limits in compensation provided by the networks to banks. This could have been the effect of limiting competition, by constraining a bank's ability to change providers and deter new market entrants, and Subpart 3 of the initial pricing standard could reflect this. It looks like two networks have been designated, but not all networks have been designated. I'm surprised that neither Labour nor the National Party are prepared to bring that out in the open. We live in a free-market economy where democracy rules, and that includes banking and taking out your credit card to buy things.