The section is not without its own flaws, mainly in 5(c):

> (c) Civil penalty.—Any payment card network that violates subsection (b) shall be assessed a civil penalty by the Comptroller of the Currency of not more than 10 percent of the value of the services or products described in that subsection, not to exceed $10,000 per violation.

I see 2 problems as it is currently written: (1) The penalty's too low, & (2) restricting dispense of the law to only the Comptroller renders it ineffective.

(1) is easily solvable with regards to editing the text alone: raise the limit to 50% & $100k respectively.

(2) is also solvable, by striking out "by the Comptroller of the Currency", or adding in ", or by a federal court, whichever penalty is higher, " at the end of that part.