Form FR 3063 FR 3063 Government-Administered, General-Use Prepaid Card Survey

FR 3063a
OMB No. 7100-0343
Approval expires June 30, 2024

GOVERNMENT-ADMINISTERED, GENERAL-USE
PREPAID CARD SURVEY
Issuer Survey

Survey Period:
Calendar Year 2022

1

General Instructions
About this Survey
The information requested is required by law [15 U.S.C. § 1693o-2(a)(7)] to support an annual report to the Congress on
the prevalence of the use of general-use prepaid cards in federal, state, or local government-administered payment
programs, and the interchange fees and cardholder fees charged with respect to the use of such general-use prepaid
cards.
Your Participation
To achieve the most reliable results, it is important that you respond completely and accurately. Please leave no survey
item blank.
The online survey system contains links to two questionnaires, one for federal programs and a second for state/local
programs. Respond to each questionnaire once by aggregating all programs falling under each respective jurisdiction.
For the purposes of this survey, a program’s jurisdiction is determined by the government agency that administers the
program. For example, a program is considered state/local if it is administered by a state government agency even if the
program is federally funded. Where applicable, this paper version of the survey highlights the differences between the
federal and state/local questionnaires.
There are three possible ways to answer a numerical survey question:
Enter a Value: The actual numeric value of the data element.
Enter a Zero: When the calculated value equals zero. Please do not enter a non-numeric value, e.g. “NA” or
“NR,” when the value equals zero.
Enter “NR” (Not Reported): If your institution engages in the activity of the type being measured but you are
unable to report a figure that reflects that activity.
Please do not enter “NA.”
If for any reason you cannot provide complete data or you have questions please call 1-866-359-6619 or
e-mail debit.card.surveys@frb.gov for assistance.
The survey will be made available online at https://www.federalreserve.gov/debitcardsurveys. Please complete
the survey by April 17, 2023.
Response Confidentiality and Burden
The Federal Reserve Board regards the majority of individual organization information provided by each respondent as
confidential (5 U.S.C. § 552(b)(4)). The Board, however, may publish aggregate or summary information in a way that
does not reveal your individual organization’s confidential information. If it should be determined subsequently that any
information collected on this form must be released, the respondents will be notified.
Public reporting burden for this collection of information is estimated to be 10 hours per response, including the time to
gather data in the required form and to review instructions and complete the information collection. Send comments
regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing the
burden, to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, N.W., Washington, D.C.
20551 or via email to regs.comments@frb.gov; and to the Office of Management and Budget, Paperwork Reduction
Project (7100-0343), Washington, D.C. 20503. The Federal Reserve may not conduct or sponsor, and an organization
(or a person) is not required to respond to, a collection of information unless it displays a currently valid OMB control
number.

2

Section I:

Program Information

Enter totals related to government-administered, general-use prepaid cards (linked to U.S.-domiciled accounts) for which
your institution was the issuer during calendar year 2022. Note clearly in Section I the name of each governmentadministered payment program included in your response, check all boxes that apply throughout the survey, and provide
explanatory descriptions where appropriate.
Include:

All general-use prepaid cards (linked to U.S.-domiciled accounts) issued under programs administered by a
federal, state, or local government agency, except for the Supplemental Nutrition Assistance Program (SNAP). The
Board will collect cumulative data for the SNAP program directly from the Department of Agriculture’s Food and Nutrition
Service. Examples of general-use prepaid cards issued under programs administered by a government agency include,
but are not limited to, cards issued under federal benefit programs (such as Social Security (Old-Age, Survivors, and
Disability Insurance), Supplemental Security Income (SSI), and Veterans Affairs programs), electronic benefit transfer
programs (such as Temporary Assistance to Needy Families (TANF)), payroll programs, unemployment insurance
programs, child support programs, reimbursement programs, disaster relief programs, and petty cash programs.

Number
1. Number of government-administered payment programs covered in this
response.
1.a Comments

3

Section II:

Card Funding
Number

1. Government-administered, general-use prepaid cards outstanding as of
December 31, 2022

Net funds loaded

Value ($)

2. Net funds loaded onto government-administered, general-use prepaid
cards in 2022 (exclude funds that were voided or returned to government
agencies (or other funding entities))
2:

3. Allocate “2. Net funds loaded onto government-administered,
general-use prepaid cards in 2022” between the following categories:
3a - 3b = 2

3a.

Gross funds loaded in 2022

(+)

3b.

Funds that were voided or returned to government
agencies (or other funding entities) in 2022

(-)

3c. Comments

4

Section III:

Purchase Transactions
Value ($)

Volume
1. All settled purchase transactions in 2022 (excluding preauthorizations, denials, adjustments, and returns)
1a. Comments

5

Include cash
back amounts

Section IV: Issuer Revenue: Interchange Fees
Dollars ($)
1. Total interchange fee revenue received on settled purchase
transactions in 2022 (net of interchange fees reimbursed to acquirers as a
result of chargebacks or returns)

Section V:

Issuer Revenue: Cardholder Fees

Total
Revenue
Dollars
($)

1. All fees assessed to cardholders in 2022
Do not exclude cardholder fee revenue ultimately disbursed to a program manager or
other third party.

6

Number of times
fees were
assessed
Do not include instances
where fees were waived
or for some other reason
not assessed

Glossary of Terms
Account servicing fee: Fee assessed to a government-administered, general-use prepaid cardholder for certain
types of funds transfers or in connection with certain types of account maintenance. Examples of account servicing
fees include minimum balance fees (for allowing the account balance to fall below a certain amount), inactivity fees
(after a period of time (days or months) without deposit, purchase, withdrawal, or other transaction activity), and fees
charged for initiating an on-line bill payment transaction (including fees for individual or recurring payments, proof of
payment requests, stop payment requests and returned items), transferring funds from the general-use prepaid card
to a bank account, converting currency, initiating a money transfer at a money transfer provider, requesting standard
or expedited card replacement, or requesting check issuance. Do not include fees assessed to a cardholder every
month for general maintenance of the card, as these fees should be categorized as routine monthly fees.
ATM fee: Fee assessed to a government-administered, general-use prepaid cardholder for proprietary (in-network) or
non-proprietary (out-of-network) cash withdrawals at an ATM.
Cardholder: Individual, household, or other category used for recipients receiving payments on governmentadministered, general-use prepaid cards.
Cards outstanding: All active general-use prepaid cards (linked to U.S.-domiciled accounts) in circulation on which
funds may be disbursed for the government administered payment program for which data is being reported. This
does not include cards in inventory or that are no longer eligible to receive benefit funds.
Customer service inquiry fee: Fee assessed to a government-administered, general-use prepaid cardholder that
includes checking the available balance or recent activity on a card via an ATM, an automated interactive voice
response menu (via landline or cell phone), web-based account access or when human interaction between the
cardholder and the issuer is involved (such as customer service calls to a live representative).
Exempt transaction: Electronic debit transaction that is exempt from the interchange fee standards in Regulation II.
An electronic debit transaction made using a general-use prepaid card that has been provided pursuant to a
government-administered payment program is exempt from the interchange fee standards for calendar year 2020 if
one of the following two conditions applies:
1) The issuer, along with its affiliates worldwide, has assets that are less than $10 billion, as of December 31, 2019.
2) The issuer, along with its affiliates worldwide, has assets that are greater than or equal to $10 billion, as of
December 31, 2019, and all of the following conditions apply:
• The cardholder may use the debit card only to transfer or debit funds, monetary value, or other assets
that have been provided pursuant to a government-administered payment program;
• The issuer does not charge a fee for overdrafts, including a shortage of funds or a transaction processed
for an amount exceeding the account balance, unless the fee or charge is imposed for transferring funds
from another asset account to cover a shortfall in the account accessed by the card
• The issuer does not charge a fee for the first withdrawal per calendar month from an ATM that is part of
the issuer’s designated ATM network.
Fees waived or for some other reason not assessed: Fees that an issuer normally would assess to
cardholders, but which the issuer did not actually assess or collect. Reasons for not assessing of collecting the fee
include, but are not limited to, restrictions imposed by the government agency administering the program, the
issuer’s marketing or customer service initiative, and the request of a cardholder.
General-use prepaid card: A card or other payment code or device that is (1) issued on a prepaid basis in a
specified amount, whether or not that amount may be increased or reloaded, in exchange for payment and (2)

7

redeemable upon presentation at multiple unaffiliated merchants for goods or services. The funds related to these
card programs may be loaded directly onto the card, into an account associated with the card, or set aside in some
other manner for the benefit of the cardholder.
Government-administered payment program: A program is considered government-administered regardless
of whether a federal, state, or local government agency operates the program or outsources some or all functions to
third parties so long as the program is operated on behalf of the government agency. In addition, a program may be
government-administered even if a federal, state, or local government agency is not the source of funds for the
program it administers. For example, child support programs are government-administered programs even though a
federal, state, or local government agency is not the source of the funds. In addition, to the extent Health Savings
Account, Flexible Spending Account, and Health Reimbursement Arrangement accounts are offered in connection
with a person's employment and administered by or on behalf of a government employer, such accounts are
considered government-administered payment programs. Jury duty payment programs administered by federal,
state, or local governments, including courts, are also considered government-administered payment programs.
Further, local government-administered payment programs would include programs administered by tribal
governments.
For the purposes of this survey, this definition includes, but is not limited to, federal benefit programs (such as Social
Security Administration, Supplemental Security Income, and Veterans Administration), electronic benefit transfer
programs (such as Temporary Assistance to Needy Families and the energy assistance programs), payroll
programs, child support programs, reimbursement programs, disaster relief programs, and petty cash programs.
Although the Supplemental Nutrition Assistance Program (SNAP) is a government-administered payment program, it
should not be reported in this survey. The Board will collect cumulative data for the SNAP program directly from the
Food and Nutrition Service under the United States Department of Agriculture.
Government-imposed restrictions: Federal, state or local government agency requirements that restrict or limit
an issuer from assessing certain fees to general-use prepaid cardholders in government-administered payment
programs. An example might include a government agency requiring an issuer to provide the first ATM cash
withdrawal per month at no charge to the cardholder.
Nonproprietary (out-of-network) ATM: An ATM that is not owned by, operated exclusively for, or operated by
the card issuing depository institution, or is not part of an ATM network of depository institutions with which the card
issuing depository institution is a member such that ATM use is treated as if the ATM is proprietary.
Other fee: Any fee not included in other fee definitions that are assessed to a government-administered, general-use
prepaid cardholder.
Overdraft fee: Fee assessed to a government-administered, general-use prepaid cardholder for a negative balance (a
transaction that was paid despite insufficient funds on the card) or a denied transaction (a transaction that was
denied for insufficient funds).
Over-the-counter at-bank (teller) cash withdrawal fee: Fee assessed to a government-administered,
general use prepaid cardholder for initiating a cash withdrawal at a bank teller location.
Payments and incentives received from payment card networks: Payments received by an issuer from a
payment card network with respect to debit card transactions or debit-card-related activity. Issuer incentives may be
based on reaching specified volume levels, promoting the network’s brand through marketing activities, converting
the issuer’s debit card base to a different signature network, or undertaking other activities. Exclude payments from a
network to an issuer for traditional banking services the issuer provides the network (e.g., transaction account
services to the network).
Penalty fee: Fee assessed to a government-administered, general-use prepaid cardholder for the infraction of an
issuer’s rule(s) or policy/policies. Examples of penalty fees include daily limit fees (circumstances where a

8

cardholder exceeded the transaction amount allowed on a daily basis), and account termination fees. Do not include
overdraft fees.
Purchase transaction fee: Fee assessed to a government-administered, general use prepaid cardholder for
routine usage of the card for purchase transactions. Examples of routine transaction fees include fees assessed for
card usage at the point-of-service (purchase).
Routine Monthly fee: Fee assessed to a government-administered, general-use prepaid cardholder every month for
general maintenance of the card.
Settled purchase transaction: A prepaid card transaction that has been settled. Exclude transactions that are
pre-authorizations, denials, adjustments, and returns.
Sponsoring government agency: Government agency administering a general-use prepaid card program.
Total interchange fee revenue received: Total value of fees received that are established, charged, or received
by a payment card network and paid by a merchant or an acquirer for the purpose of compensating an issuer for its
involvement in the debit card transaction.
United States: The states, territories, and possessions of the U.S., the District of Columbia, the Commonwealth of
Puerto Rico, or any political subdivision of any of the foregoing.

9