Card network mix review + Reg BI confirmationsCompliance & Regulatory

Task prompt

Hey — I'm pulling together our quarterly card-network review for the compliance memo and need a couple of things. For the Reg BI section, just confirm three points for me: the year SEC Regulation Best Interest took effect; that it applies to broker-dealers and NOT to registered investment advisers (they're under the Advisers Act fiduciary duty instead); and that it's a higher standard of conduct than the old FINRA suitability rule (2111). The payments number I actually need: across our card program, what share of our card transactions ran on the Mastercard network? Give it as a percentage of transactions to one decimal place. Once you've got the Mastercard share, spin up a Slack channel 'card-network-review' and post the figure there, and file a Jira ticket titled 'Quarterly card network mix review' so ops has it on record. Then reply to me, ending with one JSON object using exactly these keys: reg_bi_effective_year, reg_bi_applies_to_broker_dealers_not_rias, reg_bi_is_higher_standard_than_suitability, mastercard_pct.