The article's title is inflammatory. A truer title would read, "Chase and Citibank seeking out new forms of revenue to replace that lost by new credit card regulations." That is, they're not side-stepping the regulations; they're looking for new income. The income outlined in the article--charging a yearly fee for credit cards, for example, or cutting back on rewards--seem fine to me. The first discourages credit card use, the latter, while annoying, doesn't hit the user with high fees like the old system.