Such an interpretation transparently contradicts the intention of the full House of Representatives and would effectively gut the Durbin amendment.

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Such an interpretation would likely be vulnerable to legal challenge.

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Such an interpretation makes some sense.

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According to such an interpretation, the drop in household saving, to only 1.5% of personal income in December, is no cause for alarm: households no longer need to save, because rising wealth in shares and homes will do it for them.

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The case is particularly interesting because the Supreme Court avoided the usual pattern of trying to narrow the question to an interpretation of federal law and instead instructed the parties to answer whether the Constitution bars such suits.

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