Speaking of the CFA, we received a notice from them this week advising that the $5.7 Billion settlement between VISA and MasterCard and a number of merchant and trade organizations has been finalized by the US District Court. The settlement stems from a 2005 class action lawsuit against the credit card giants on behalf of merchants regarding non-negotiable credit card swipe fees. Under the agreement, class members (any merchants who accepted VISA or MasterCard beginning January 1, 2004 and have not opted out of the class action) are eligible for monetary damages and limited modifications to VISA and MasterCard surcharging rules. In exchange, VISA and MasterCard are released from future liability for any anti-competitive or “substantially similar” rules in place now or instituted at any time in the future. We would encourage all DD franchise owners to read the CFA advisory here. There is also a court-authorized settlement website where you can go to register your claim.