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Payment Choice Act: Cash Acceptance Required at Retailers

This new law aims to ensure that cash is accepted as a form of payment at most brick-and-mortar businesses. It means retailers cannot refuse cash for purchases up to $500 and cannot charge higher prices for cash payments. The act also includes exceptions and rules for prepaid cards, as well as penalties for non-compliance.
Key points
Brick-and-mortar businesses must accept cash for purchases up to $500.
Cash-paying customers cannot be charged higher prices.
Exceptions apply, such as system failures or insufficient change.
Businesses can offer devices to convert cash to prepaid cards without fees or personal data collection.
Violations may result in financial penalties and civil lawsuits.
For 5 years, businesses are not required to accept $50 bills or larger denominations.
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Status:
Introduced
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Additional Information
Print number: 119_HR_1138
Sponsor: Rep. Rose, John W. [R-TN-6]
Process start date: 2025-02-07
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Payment Choice Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_1138.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-02-07.

What are the main provisions?

Key points include:

  • Brick-and-mortar businesses must accept cash for purchases up to $500.
  • Cash-paying customers cannot be charged higher prices.
  • Exceptions apply, such as system failures or insufficient change.
  • Businesses can offer devices to convert cash to prepaid cards without fees or personal data collection.
  • Violations may result in financial penalties and civil lawsuits.
  • For 5 years, businesses are not required to accept $50 bills or larger denominations.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Rose, John W. [R-TN-6].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy Courts and Law