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05-14-2025, 05:36 PM #1
HR 1138 Payment Choice Act of 2025
The Payment Choice Act of 2025 aims to ensure that United States currency, specifically cash, is accepted as legal tender for transactions at retail locations across the country. Here is what the bill entails:
Key Provisions
- The bill states that every consumer has the right to use cash as payment at retail businesses where in-person payments are accepted.
- Retailers who accept cash payments must accept up to $500 in cash for transactions. They cannot charge a higher price for customers paying with cash compared to those using other payment methods.
- There are exceptions for businesses that cannot accept cash due to temporary issues, such as a failure in their payment system or not having enough cash to provide change. Businesses can also use cash-to-prepaid card devices on their premises under certain conditions, which must be provided at no fee and should not require personal information from the customer.
- For a period of five years post-enactment, businesses may refuse to accept cash payments in bills of $50 or larger. After that time, the Secretary of the Treasury will issue rules regarding the denominations that must be accepted.
- The bill includes mechanisms for enforcement. Consumers who encounter violations can notify businesses through a formal notice. If the issue isn't resolved within 45 days, they can pursue civil action, which may include seeking damages and penalties against the violating business.
- If a court determines that a business violated the provisions, that business may be liable for actual damages, along with possibly $250 in liquidated damages if the actual damages are less than that amount. Civil penalties could amount to up to $500 for a first violation and $1,500 for subsequent ones.
- The bill does not prevent states or local governments from establishing consumer protections that are more stringent than those outlined in the federal bill.
My comments:
Notice they are limiting the denomination of currency to not include $50 or 100 bills!
This Bill contains several red flags so Vote NO.
- The bill states that every consumer has the right to use cash as payment at retail businesses where in-person payments are accepted.
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05-14-2025, 10:23 PM #2
National Park Service sued over refusal to accept entry fee in cash
.
See:
Cashless Lawsuit Revived Against National Park Service
and . . .
TOBY STOVER v UNITED STATES DEPARTMENT OF THE INTERIOR, UNITED STATES NATIONAL PARK SERVICE
Unfortunately, the plaintiff misses the fact that forcing electronic payments is blatantly discriminatory, and mostly affects the poor and elderly.
Government entities which require electronic payment for public services and things such as parking meters, camping ground facilities, toll roads, etc., blatantly discriminate against American citizens who may not qualify, or cannot afford electronic payment systems, or simply object to sharing personal information concerning their spending habits.
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