This article is an update from an original NGCOA article released in January 2013. As identified in the article, on Nov. 27, 2012, the U.S. District Court, Eastern District of New York approved the class action lawsuit settlement finding that Visa and MasterCard, separately, and together with banks, violated antitrust laws and caused merchants to pay excessive fees for accepting their credit and debit cards. Subsequently, this decision was appealed by many merchants who felt the settlement was too limited. So where does this leave our members who did not file their claim? After reaching out to a number of you, it was apparent either they did not receive the public notice in 2014 or they just ignored it?