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Payment Choice Act: Cash Accepted at Brick-and-Mortar Businesses

This new law aims to ensure that cash is accepted as a form of payment at most physical retail locations across the U.S. This means businesses cannot refuse cash for purchases up to $500 and cannot charge higher prices for cash payments. The act seeks to simplify daily transactions for individuals who prefer using cash.
Key points
Brick-and-mortar businesses must accept cash for purchases up to $500.
They cannot charge higher prices to cash-paying customers.
Exceptions include system failures, lack of change, or providing fee-free cash-to-prepaid card conversion devices.
For 5 years, businesses are not required to accept $50 bills or larger.
Customers can report violations and seek damages or civil penalties.
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Status:
Introduced
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Additional Information
Payment Choice Act of 2025
Print number: S 2326
Sponsor: Sen. Cramer, Kevin [R-ND]
Process start date: 2025-07-17
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-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Payment Choice Act: Cash Accepted at Brick-and-Mortar Businesses

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is S 2326.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-07-17.

What are the main provisions?

Key points include:

  • Brick-and-mortar businesses must accept cash for purchases up to $500.
  • They cannot charge higher prices to cash-paying customers.
  • Exceptions include system failures, lack of change, or providing fee-free cash-to-prepaid card conversion devices.
  • For 5 years, businesses are not required to accept $50 bills or larger.
  • Customers can report violations and seek damages or civil penalties.

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 Sen. Cramer, Kevin [R-ND].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

Analysis and Potential Impact of S 2326

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. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Economy Courts and Law