When consumers do not honor the terms of their credit card agreements, the issuing bank for the card may revoke the credit line. If the consumer applies for additional credit, the new creditor queries a credit reporting agency and may learn of the consumer's previous performance, including loss to a previous creditor. The merchant processing banks, also known as "acquiring" banks, do not have a similar credit-reporting agency available that can compile and report information about the way that a business handles its merchant processing responsibilities. The card associations, instead, use a file known as "MATCH." The MATCH File is a database file, previously and most commonly known as the Terminated Merchant File "TMF." It is maintained by MasterCard International and is the way by which MasterCard and Visa acquiring banks identify merchants, as well as the principals, which have been terminated for specific reasons.