It is fairly common for one to enter a small store where the owners have a sign near the register which requires a minimum purchase if you decide to use a credit card as payment.  Tough this is ordinary with smaller shops; the practice is actually in violation of agreements between the merchants and credit card processing companies.  This is no longer the case.   

Recently enacted federal consumer protection laws aimed to regulate banks, debit card companies, and credit card companies have brought about a great many changes to the industry.  One of the changes includes allowing merchants to set a ten-dollar minimum purchase requirement if the customer chooses to pay with a credit card.  This can be done legally by the merchant as long as they do not discriminate against one card over another.   

Another change implemented by the government has to do with overdraft protection.  Banks typically persuade their customers to enroll in such programs to increase profits. They are so diligent in promoting these services that an approximate seventy percent of customers do opt in to these overdraft protection services.  The problem is that a majority of consumers do not even know they have been enrolled in one.  Overdraft protection can be a costly program and the new rules prohibit credit card companies to have their customers opt in to these services by default.  Customers would now have to voluntarily choose to opt in if they require the services.