In its ongoing crackdown on payment processors that ignore fraud, the Federal Trade Commission (FTC) is suing Independent Resources Network Corp. (IRN). It alleges that the company assisted and facilitated a telemarketing scam that falsely promised to lower credit card interest. The FTC accused IRN of knowing, or consciously avoiding knowledge of, key facts about a telemarketing scam operated by Innovative Wealth Builders Inc. (IWB) and continuing to profit from processing IWB’s credit card transactions anyway. One indicator of illegal conduct that IRN allegedly ignored was a high rate of "chargebacks," which occur when a consumer disputes a charge to a credit card and the charge is reversed. The average chargeback rate in the United States is below 1 percent, but IWB’s chargeback rate averaged above 20 percent for several years.