,,ii  #aag? ,,congress  #b;d ,session   
,s4 #ddig  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #bc1 #bjbb,mr4   
,m55dez 7= himself & ,mr4 ,cram]7       
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,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 ( #bjbb4  #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 ) a p]son accept+
 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 
( less ?an #b1jjj made at su* physical  
location2 &  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  7#a7 ,9 g5]al ,subsection  
7a7 %all n apply to a p]son if su*      
p]son-- 7,a7 is unable to accept ca%    
because (-- 7i7 a sale sy/em failure t  
tempor>ily prev5ts ! process+ ( ca%     
paym5ts2 or  7ii7 a tempor>y            
insuffici5cy 9 ca% on h& ne$$ to provide
 *ange2 or  7,b7 provides cu/om]s ) !   
means1 on ! premises1 to conv]t ca% into
 a c>d t is ei!r a g5]al-use prepaid    
c>d1 a gift c>d1 or an access device =  
electronic fund transf]s = :i*-- 7i7 !re
 is no fee = ! use ( ! c>d2  7ii7 !re is
 n a m9imum deposit am\nt great] ?an #a 
doll>2  7iii7 am\nts load$ on ! c>d d n 
expire1 z requir$ "u p>agraph 7#b72     
7iv7 !re is no collection ( any p]sonal 

id5tify+ in=mation f ! cu/om]2  7v7 !re 
is no fee to use ! c>d2 &  7vi7 !re may 
be a limit to ! numb] ( transactions on 
su* c>ds4  7#b7 ,inactivity ,a p]son    
seek+ exception f subsection 7a7 may    
*>ge an inactivity fee 9 association ) a
 prepaid c>d (f]$ by su* p]son if-- 7,a7
 !re has be5 no activity ) respect to ! 
c>d dur+ ! #ab-mon? p]iod end+ on ! date
 on :i* ! inactivity fee is impos$2     
7,b7 n m ?an #a inactivity fee is impos$
 9 any #a-mon? p]iod2 &  7,c7 x is      
cle>ly & conspicu\sly /at$1 on ! face ( 
! me*anism t issues ! c>d & on ! c>d--  
7i7 t an inactivity fee or *>ge may be  
impos$2  7ii7 ! frequ5cy at :i* su*     
inactivity fee may be impos$2 &  7iii7 !
 am\nt ( su* inactivity fee4  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 %all n require a   
p]son to accept ca% paym5ts 9 #ej bills 
or any l>g] bill4  7#b7 ,rulemak+  7,a7 
,9 g5]al ,! ,secret>y %all issue a rule 

on ! date t is #e ye>s aft] ! 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   
#bj1 & #ej bills4  7d7 ,en=cem5t  7#a7  
,prev5tative relief ,:5ev] any p]son has
 engag$1 or !re are reasonable gr\nds to
 believe t any p]son is ab\t to engage1 
9 any act or practice prohibit$ 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 section1 :i* may prescribe 
additional exceptions to ! application (
 ! requirem5ts describ$ 9 subsection    

7a74  7g7 ,annual reports on !          
geographic di/ribution ( automat$ tell] 
ma*9es own$ by f$]ally insur$ depository
 in/itutions ,beg9n+ on ! date t is #a  
ye> aft] ! date ( enactm5t ( ?is        
section1 & annually !reaft]1 ! ,f$]al   
,deposit ,insurance ,corporation1 )     
respect to depository in/itutions insur$
 by ! ,corporation1 & ! ,national ,cr$it
 ,union ,adm9i/ration1 ) respect to     
cr$it unions insur$ by ! ,national      
,cr$it ,union ,%>e ,insurance ,fund1    
%all submit ! ,committee on ,bank+1     
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives a report t      
provides-- 7#a7 ! numb] ( automat$ tell]
 ma*9es own$ & 9 s]vice by ea*          
in/itution insur$ by su* ag5cy2  7#b7 ! 
location ( ea* su* automat$ tell] ma*9e 
t is in/all$ at a fix$ site2 &  7#c7 !  
approximate geographic range or radius  
)9 :i* mobile automat$ tell] ma*9es own$
 by any su* in/itution are deploy$4  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