Millions of Americans use credit cards to purchase goods every day.

The Durbin Marshall credit card mandates put the secure transactions you rely on at risk,

leaving you vulnerable to hackers and foreign cybercriminals that want your data.

Hackers win. You lose.

Guard your card before it's too late.

Tell Congress your data security is not for sale and oppose the Durbin You lose. Guard your card before it's too late.

Tell Congress your data security is not for sale and oppose the Durbin Marshall credit card mandates.

Paid for by Electronic Payments Coalition.

Here is your morning brief for Wednesday, December 10th.

I'm Luke Vargas for the Wall Street Journal.

Australia's landmark social media ban for kids under the age of 16 is now in effect.

Children younger than 16 will now be banned by law from holding accounts on platforms,

including Facebook, X, and TikTok, with social media companies facing fines of more than $30 million if they fail to take reasonable steps to remove the accounts.

Big Tech could be facing a seismic shift with other countries, including Malaysia, Denmark,

and Norway looking to implement similar bans, while U.S. states like Florida and California

are also moving to curtail young people's access to social media. Investors are pricing in an

almost 90% chance that the Federal Reserve will lower interest rates today, but they have grown

less confident about cuts next year, partly due to cautious comments by

Kevin Hassett, the favorite to be the next Fed chair. President Trump has said he wants the next

chair to be committed to cutting, but Hassett told the journal's CEO council event yesterday that

he wouldn't bow to any political pressure to lower rates if he gets the role. And Eileen Higgins has become

the first Democrat to win election as Miami's mayor in almost three decades. The race became

...