With 2018 right around the corner, it’s time to start making resolutions: to exercise more, to eat better, to spend more time with loved ones, or to practice better financial habits. Unfortunately, that last goal has become particularly difficult in recent years, as the federal government has implemented rules and regulations that increase costs and limit choices for American consumers. But there are several resolutions that Congress and the president can make at 2018’s outset to help consumers in the year ahead.

Resolving to address the damage caused by the Durbin Amendment, a particularly pernicious element of the Dodd-Frank Act of 2010, is a good place to start. This provision capped the debit card fees that banks charge retailers, known as “interchange fees.” Supporters of the Durbin Amendment claimed that this measure, by saving retailers money, would lead to lower prices. However, retailers have either maintained or increased prices, instead of passing interchange savings onto consumers. Meanwhile, banks lost a revenue source of about $14 billion annually — a loss they’ve tried to make up for by raising other fees and reducing free services.