In addition, the bill directly addresses the problem of high merchant service fees by enabling the commission to regulate pricing through network standards. Now, the network standards could cover pricing principles and limits on fees, as well as pricing methodologies and how prices are expressed. Small businesses then will have greater transparency, greater clarity, about how the different systems compare and, as I've said, they can choose to use the ones that suit them best, and that will put overall downward pressure on fees that are charged to merchants. 