In this Thursday, Nov. 28, 2013, file photo, a woman pays by credit card while checking out at a retail store in Colma, Calif. Two trade groups representing businesses in North Dakota filed a lawsuit Thursday, April 29, 2021, against the Federal Reserve, asking the agency to lower its 10-year-old cap on “swipe” fee banks charge to process debit card transactions.(AP Photo/Jeff Chiu) **FILE**
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