Finally, submitters commented on the ability for the Commerce Commission to issue standards that limit merchant surcharging. Some submitters opposed having merchant surcharging standards, while others thought they wouldn't go far enough and that such charging should be banned altogether. And while caps on interchange fees may reduce the need for retailers to surcharge, the bill allows basically for the Commerce Commission to issue standards if it deems it necessary or desirable at a future point. Ultimately, consumers and competition can be harmed if surcharging is excessive, and so the commission has now provided the powers to set standards and guide what is and isn't acceptable, and I think that's a good compromise.