Supporting nonprofit organizations, such as Vehicles for Change, which takes donated cars and refurbishes them for sale to low-income workers for a very small fee, may be the most effective means for some communities to overcome the barriers to car ownership.5  2  See, 75 FR 79278 (Dec 15, 2010) amending the CRA regulations by revising the term “community development” to include loans, investments, and services that support, enable, or facilitate projects or activities that meet the “eligible uses” criteria in the Housing and Economic Recovery Act of 2008 and are conducted in designated target areas identified in NSP plans approved by the Department of Housing and Urban Development.
New business models are also emerging, including some that facilitate payments using virtual cards issued under the designated card schemes that are subject to the existing surcharging framework. In addition, the increasing array of BNPL providers is resulting in competitive pressure that could put downward pressure on merchant costs.