The part about this conversation that I don't understand is why is this an issue.. If you don't like a banks policy DONT WORK WITH THEM. All of this info is given to you upfront when you sign an ISO agreement, this allows you to choose to work with banks that you agree with their policies. Why complain if you agreed to work with them or on the other hand why complain if you don't work with them.. Right or wrong each bank is allowed to choose how they want to structure their commission schedule. They are the ones taking the risk lending their money so they can pay anyway they want. It is then on the ISO's to do their due diligence and find the companies they want to work with. I don't get the point in complaining after the fact, pick the companies who's policy you agree with and work with them and don't work with the ones you don't. It seems simple to me