As if retailers needed any more fallout from the 2008 economic crisis, the National Retail Federation (NRF) reported that recent proposed legislation would delay implementation of the credit/debit card swipe fee reform act. The reform, known as the Durbin Agreement, was introduced in 2010 by Assistant Senate Majority Leader Dick Durbin (D-IL) as part of the Wall Street Reform Act. The main goal of the agreement is to place legal restrictions on the fees banks charge merchants on debit card processing fees. According to Brad Cohen, a U.S. Department of Justice attorney, congress passed the regulations to resolve accusations of price fixing by Visa and MasterCard. He said debit card interchange fees have gone up 234 percent from 1998 to 2006.