....the Credit Card Competition Act would require that banks of a certain size give merchants more choice when it comes to which payment network can be used for processing transactions involving their cards. They'd have to allow merchants a choice of more than one network — and per the bill, those networks cannot be "affiliated" with each other, nor can they be only "the two networks with the largest market share of credit cards issued" (which means Visa and Mastercard, which combine for more than 80% market share).