Sen. Dick Durbin is nominated for the Dim Bulb of the Year award. When Congress was debating the Dodd-Frank financial reform bill, he's the one who insisted on an amendment to limit what banks can charge merchants for debit card trnasactions. Critics warned at the time that banks would merely find another way to make up the difference, probably at the expense of consumers. And guess what? Think of it as "the Durbin fee" if you end up being one of the debit card users who has to pay a yearly fee for the privilege: