In the United States, as dcc developed first in Ireland and metastasized throughout the torist world, some of the near criminal large banks saw one of their most lucrative fees, the foreign currency exchange fee begin to become less. So their ressponse was to change the fee to a foreign transaction fee. With many of these near criminal banks (Bank of America, citibank, JP Morgan Chase are prime examples), foreign transactions are nailed witn a 3% fee so being dcc'd does not prefvent the imposition of this fee in the slightest.