,i #aag? ,,congress #a/ ,session ,h4 ,r4 #dcie ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #i1 #bjba,mr4 ,payne 7= himself1 ,mr4 ,smi? ( ,new ,j]sey1 ,ms4 ,g>cia ( ,texas1 ,ms4 ,pressley1 ,mr4 ,got!im]1 ,mrs4 ,beatty1 ,mrs4 ,c>olyn ,b4 ,maloney ( ,new ,york1 ,mrs4 ,axne1 ,mr4 ,/ew>t1 ,ms4 ,lee ( ,cali=nia1 ,mr4 ,meeks1 ,mr4 ,ku/(f1 ,mr4 ,torres ( ,new ,york1 ,mr4 ,davidson1 ,ms4 ,wass]man ,s*ultz1 ,mr4 ,connolly1 ,mr4 ,rose1 ,mrs4 ,hayes1 ,mr4 ,norcross1 ,mr4 ,vic5te ,gonzalez ( ,texas1 ,mr4 ,posey1 ,mr4 ,pascrell1 ,mrs4 ,watson ,coleman1 ,mr4 ,van ,drew1 ,mr4 ,lawson ( ,florida1 ,mr4 ,suozzi1 ,ms4 ,/rickl&1 ,mr4 ,?ompson ( ,mississippi1 & ,mr4 ,c>son7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,a ,,bill ,to prohibit retail bus9esses f refus+ ca% paym5ts1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,paym5t ,*oice ,act ( #bjba4 #b4 ,s5se ( ,congress ,x is ! s5se ( ,congress t e consum] has ! "r to use ca% at retail bus9esses :o accept 9-p]son paym5ts4 #c4 ,retail bus9esses prohibit$ f refus+ ca% paym5ts 7a7 ,9 g5]al ,sub*apt] ,i ( *apt] #ea ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 #eajd4 ,retail bus9esses prohibit$ f refus+ ca% paym5ts 7a7 ,9 g5]al ,any p]son engag$ 9 ! bus9ess ( sell+ or (f]+ goods or s]vices at retail to ! public :o accepts 9-p]son paym5ts at a physical location 7includ+ a p]son accept+ paym5ts = telephone1 mail1 or int]net-bas$ transactions :o is accept+ 9-p]son paym5ts at a physical location7-- 7#a7 %all accept ca% z a =m ( paym5t = sales made at su* physical location 9 am\nts less ?an #b1jjj2 & 7#b7 may n *>ge ca%-pay+ cu/om]s a high] price comp>$ to ! price *>g$ to cu/om]s n pay+ ) ca%4 7b7 ,exceptions ,subsection 7a7 %all n apply to a p]son if ! p]son-- 7#a7 is unable to accept ca% because (-- 7,a7 a sale sy/em failure t tempor>ily prev5ts process+ ca% paym5ts2 or 7,b7 tempor>ily hav+ insuffici5t ca% on h& to make *ange2 or 7#b7 provides cu/om]s ) a device t conv]ts ca% into prepaid c>ds on ! premises-- 7,a7 if-- 7i7 !re is no fee = ! use ( ! device2 7ii7 ! device does n require a m9imum deposit ( m ?an "o doll>2 7iii7 any funds plac$ onto a prepaid c>d us+ ! device d n expire2 7iv7 ! device all[s cu/om]s to r$eem any unus$ balance = ca% at any "t2 7v7 ! device does n collect any p]sonal id5tify+ in=mation f ! cu/om]2 & 7vi7 !re is no fee to use ! prepaid c>d t ! device produces2 & 7,b7 reg>dless ( :e!r !re is a limit to ! numb] ( transactions on su* c>ds4 7c7 ,"r ,to n accept l>ge bills 7#a7 ,9 g5]al ,not)/&+ subsection 7a71 = ! #e-ye> p]iod beg9n+ on ! date ( ! enactm5t ( ?is section1 ?is section does n require a p]son to accept ca% paym5ts 9 #ajj bills or any l>g] bill4 7#b7 ,rulemak+ 7,a7 ,9 g5]al ,! ,secret>y %all issue a rule on ! date t is ! end ( ! #e-ye> p]iod beg9n+ on ! date ( ! enactm5t ( ?is section ) respect to any bills a p]son is n requir$ to accept4 7,b7 ,requirem5t ,:5 issu+ a rule "u subp>agraph 7,a71 ! ,secret>y %all require p]sons to accept #a1 #e1 #aj1 #bj & #ej bills4 7d7 ,en=cem5t 7#a7 ,prev5tative relief ,:5ev] any p]son has engag$1 or !re are reasonable gr\nds to believe t any p]son is ab\t to engage 9 any act or practice prohibit$ by ?is section1 a civil action = prev5tive relief1 includ+ an application = a p]man5t or tempor>y injunction1 re/ra9+ ord]1 or o!r ord] may be br\ght aga9/ su* p]son4 7#b7 ,civil p5alties ,any p]son :o violates ?is section %all-- 7,a7 be liable = actual damages2 7,b7 be f9$ n m ?an #b1ejj = a fir/ (f5se2 & 7,c7 be f9$ n m ?an #e1jjj = a second or subsequ5t (f5se4 7#c7 ,jurisdiction ,an action "u ?is section may be br\ght 9 any ,unit$ ,/ates di/rict c\rt1 or 9 any o!r c\rt ( compet5t jurisdiction4 7#d7 ,int]v5tion ( ,attorney ,g5]al ,^u timely application1 a c\rt may1 9 its discretion1 p]mit ! ,attorney ,g5]al to int]v5e 9 a civil action br\ght "u ?is subsection1 if ! ,attorney ,g5]al c]tifies t ! action is ( g5]al public importance4 7#e7 ,au?ority to appo9t c\rt-paid attorney ,^u application by an individual & 9 su* circum/ances z ! c\rt may det]m9e j1 ! c\rt may appo9t an attorney = su* individual & may au?orize ! comm5cem5t ( a civil action "u ?is subsection )\t ! paym5t ( fees1 co/s1 or security4 7#f7 ,attorney's fees ,9 any action comm5c$ pursuant to ?is section1 ! c\rt1 9 its discretion1 may all[ ! prevail+ p>ty1 o!r ?an ! ,unit$ ,/ates1 a reasonable attorney's fee z "p ( ! co/s1 & ! ,unit$ ,/ates %all be liable = co/s ! same z a private p]son4 7#g7 ,requirem5ts 9 c]ta9 ,/ates & local areas ,9 ! case ( an alleg$ act or practice prohibit$ by ?is section :i* occurs 9 a ,/ate1 or political subdivision ( a ,/ate1 :i* has a ,/ate or local law prohibit+ su* act or practice & e/abli%+ or au?oriz+ a ,/ate or local au?ority to grant or seek relief f su* act or practice or to in/itute crim9al proce$+s ) respect !reto ^u receiv+ notice !re(1 no civil action may be br\ght h]eund] be=e ! expiration ( #cj days aft] writt5 notice ( su* alleg$ act or practice has be5 giv5 to ! appropriate ,/ate or local au?ority by regi/]$ mail or 9 p]son1 provid$ t ! c\rt may /ay proce$+s 9 su* civil action p5d+ ! t]m9ation ( ,/ate or local en=cem5t proce$+s4 7e7 ,great] protection "u ,/ate law ,?is section %all n preempt any law ( a ,/ate1 ! ,di/rict ( ,columbia1 a ,tribal gov]nm5t1 or a t]ritory ( ! ,unit$ ,/ates if ! protections t su* law af=ds to consum]s are great] ?an ! protections provid$ "u ?is section4 7f7 ,rulemak+ ,! ,secret>y %all issue su* rules z ! ,secret>y det]m9es are necess>y to implem5t ?is section & su* rules may prescribe additional exceptions to ! application ( ! requirem5ts describ$ 9 subsection 7a74 4 7b7 ,cl]ical am5dm5t ,! table ( cont5ts = *apt] #ea ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by ins]t+ aft] ! item relat+ to section #eajc ! foll[+3 #eajd4 ,retail bus9esses prohibit$ f refus+ ca% paym5ts4 4