The three judge panel noted that “Congress put the Board, the district court and us in a real bind...given that the Durbin amendment was crafted in conference committee at the eleventh hour, its language is confusing and its structure convoluted.” On August 18, 2014, NACS filed a petition for certiorari. On January 20, 2015, the Supreme Court denied NACS petition for certiorari. The decision upholds the Federal Reserve rule on the interchange rate paid to non-exempt card issuers at 0.05 percent plus twenty-one cents.