(L-R) Bill Sheedy, senior advisor to the CEO at Visa, and Linda Kirkpatrick, President of the Americas at Mastercard, are sworn in during a the Senate Judiciary Committee hearing entitled "Breaking the Visa-Mastercard Duopoly: Bringing Competition and Lower Fees to the Credit Card System" on Capitol Hill in Washington, DC, on November 19, 2024. (Photo by ROBERTO SCHMIDT / AFP) (Photo by ROBERTO SCHMIDT/AFP via Getty Images)