MYTH: Retailers are pocketing money as a result of the Durbin Amendment. FACT: The current debit swipe-fee structure saved consumers $5.8 billion in lower costs. (Robert Shapiro, “The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees,” Sonecon, 10/1/13) MYTH: Repeal…