#aai? ,,congress  #b;d ,session  ,h4 ,r4
 #cjgd  ,,an ,,act  ,to direct !        
,secret>y ( ! ,treasury to /op m9t+ !   
p5ny1 to p]mit ca% transactions to be   
r\nd$ up or d[n to ! ne>e/ five c5ts1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,common ,c5ts ,act4
  #b4 ,specifications ( #e-;c5t co9s &  
ceas+ production ( "o-c5t co9s ,section 
#eaab ( title #ca1 ,unit$ ,/ates ,code1 
is am5d$--  7#a7 9 subsection 7a7-- 7,a7
 9 p>agraph 7#e71 by /rik+ weighs #e    
grams4 & ins]t+ ! foll[+3  weighs-- 7,a7
 #e grams1 ) respect to su* co9 t is an 
alloy ( copp] & nickel2 or  7,b7 betwe5 
#d & #f grams1 ) respect to su* co9 z   
describ$ 9 subsection 7c74  2 &  7,b7 9 
p>agraph 7#f7--  7i7 by /rik+ except z  
provid$ "u subsection 7c7 ( ?is         
section12 &  7ii7 by /rik+ & weighs     
#c4aa grams2  7#b7 9 subsection 7b7--   
7,a7 9 ! six? s5t5ce--  7i7 by ins]t+   
ei!r be=e an alloy2 &  7ii7 by ins]t+ or
 a composition describ$ 9 subsection 7c7
 be=e ! p]iod2  7,b7 by ins]t+ ) respect

 to su* co9s t are an alloy ( copp] &   
nickel aft] nickel requir$2 &  7,c7 by  
/rik+ ,except ?r\gh z9c & ins]t+ ,!     
"o-c5t co9 is compos$ ( copp] & z9c2    
7#c7 by am5d+ subsection 7c7 to read z  
foll[s3  7c7 #e-;c5t co9  7#a7 ,9 g5]al 
,! #e-;c5t co9 may be a co9 ) an inn]   
lay] ( z9c & an out] lay] ( nickel4     
7#b7 ,composition ,! ,secret>y may      
prescribe ! composition ( z9c & nickel 9
 ! #e-;c5t co91 subject to te/+ &       
evaluation t su* composition-- 7,a7     
r$uces ! co/ incurr$ to produce su* co92
 &  7,b7 to ! greate/ ext5t practicable1
 has a m9imal adv]se impact on ma*9es   
design$ to accept co9s4  2 &  7#d7 by   
add+ at ! end ! foll[+3  7bb7 ,ceas+    
production ( "o-c5t co9  7#a7 ,9 g5]al  
,not)/&+ any o!r provision ( law1 !     
,secret>y %all cease production ( "o-c5t
 co9s = g5]al circulation1 b may cont9ue
 to produce & issue "o-c5t co9s = sale z
 numismatic items4  7#b7 ,no effect on  
legal t5d] ,any "o-c5t co9 t is m9t$ &  
issu$ on any date be=e ! date ( !       

enactm5t ( ?is subsection %all rema9    
legal t5d] = all debts1 public *>ges1   
taxes1 & dues4  4  #c4 ,ca% transaction 
r\nd+  7a7 ,9 g5]al ,any p]son1 includ+ 
a f9ancial in/itution1 sell+ goods or   
s]vices 9 a ca% transaction or ent]+    
into any o!r transaction t results 9 a  
paym5t or transf] ( ca% betwe5 ! p>ties 
to ! transaction may1 if exact *ange _c 
be provid$ at t "t ( su* transaction1   
r\nd ! cov]$ am\nt 9 ! foll[+ mann]3    
7#a7 ,r\nd+ d[n ,except z provid$ 9     
p>agraph 7#b77;,b71 9 any case 9 :i* !  
cov]$ am\nt ends ) #a c5t1 #b c5ts1 #f  
c5ts1 or #g c5ts z ! f9al digit1 ! am\nt
 ( c5ts 9 ! sum may be r\nd$ d[n to !   
ne>e/ am\nt divisible by #e = any p]son 
seek+ to make paym5t ) ca%4  7#b7 ,r\nd+
 up  7,a7 ,9 g5]al ,9 any case 9 :i* !  
cov]$ am\nt ends ) #c c5ts1 #d c5ts1 #h 
c5ts1 or #i c5ts z ! f9al digit1 ! am\nt
 ( c5ts 9 ! sum may be r\nd$ up to !    
ne>e/ am\nt divisible by #e = any p]son 
seek+ to make paym5t ) ca%4  7,b7 ,small
 transactions ,9 any case 9 :i* ! cov]$ 

am\nt totals #j4ja or #j4jb1 su* am\nt  
may be r\nd$ up to 4#je = any p]son     
seek+ to make paym5t ) ca%4  7b7        
,additional au?ority to r\nd ,) respect 
to a p]son1 includ+ a f9ancial          
in/itution1 conduct+ a ca% transaction )
 a cu/om] ( ! p]son1 ! am\nt ( c5ts 9 ! 
sum ( ! transaction may be r\nd$1 if su*
 r\nd+ is 9 favor ( ! cu/om]1 z foll[s3 
7#a7 ,up to ! ne>e/ am\nt divisible by  
#e1 if ! p]son is pay+ ! cu/om] 9 ca%4  
7#b7 ,d[n to ! ne>e/ am\nt divisible by 
#e1 if ! cu/om] is pay+ ! p]son 9 ca%4  
7c7 ,employ] paym5ts to employees  7#a7 
,9 g5]al ,) respect to an employ]       
provid+ a ca% paym5t to an employee 9 an
 am\nt t is n divisible by #e c5ts1 if !
 employ] *ooses to r\nd ! am\nt ( c5ts 9
 su* paym5t1 ! employ] %all r\nd ! am\nt
 ( c5ts 9 su* paym5t up to ! ne>e/ am\nt
 divisible by #e c5ts4  7#b7 ,no r\nd+  
requirem5t ,no?+ 9 ?is subsection may be
 con/ru$ to require r\nd+ by an employ] 
describ$ 9 p>agraph 7#a7 :o provides a  
ca% paym5t to an employee 9 an exact    

am\nt4  7d7 ,application ,subsections   
7a71 7b71 & 7c7 %all n apply to any     
transaction = :i* paym5t is made by any 
dem& or negotiable in/rum5t1 electronic 
fund transf]1 *eck1 gift c>d1 money     
ord]1 cr$it c>d1 or o!r l in/rum5t or   
me?od4  7e7 ,rule ( con/ruction ,no?+ 9 
?is ,act may be con/ru$ to require any  
p]son to r\nd a paym5t z describ$ 9     
subsections 7a7 or 7b74  7f7 ,cov]$     
am\nt def9$ ,9 ?is section1 ! t]m cov]$ 
am\nt means--  7#a7 ! total transaction 
am\nt1 includ+ taxes2 or  7#b7 9 ! case 
( a p]son sell+ goods or s]vices 9 a ca%
 transaction or ent]+ into any o!r      
transaction t results 9 a paym5t or     
transf] ( ca% betwe5 ! p>ties to !      
transaction1 ! am\nt ( *ange due to !   
cu/om] if ! cu/om] provides a ca% paym5t
 t exce$s ! total transaction am\nt1    
includ+ taxes4  #d4 ,treatm5t ( ,f$]al1 
,/ate1 & ,tribal law ) respect to ca%   
transaction r\nd+  7a7 ,f$]al law ,any  
p]son sell+ goods or s]vices 9 a ca%    
transaction1 includ+ a f9ancial         

in/itution1 ent]+ into any o!r          
transaction t results 9 a paym5t or     
transf] ( ca% betwe5 ! p>ties to !      
transaction %all n be 9 violation ( any 
,f$]al requirem5t1 law1 regulation1 or  
/&>d bas$ on ! adh]5ce to ! ca% r\nd+   
provisions describ$ 9 section #c4  7b7  
,/ate & ,tribal law ,any p]son sell+    
goods or s]vices 9 a ca% transaction1   
includ+ a f9ancial in/itution1 ent]+    
into any o!r transaction t results 9 a  
paym5t or transf] ( ca% betwe5 ! p>ties 
to ! transaction %all n be 9 violation (
 any requirem5t1 law1 regulation1 or    
/&>d ( a ,/ate1 ,tribe1 or a political  
subdivision ( a ,/ate bas$ on ! adh]5ce 
to ! ca% r\nd+ provisions describ$ 9    
section #c4  7c7 ,rule ( con/ruction    
,no?+ 9 ?is ,act or ( any ord] !reund]  
%all excuse noncompliance ) any ,f$]al1 
,/ate1 ,tribal1 or local law1           
regulation1 ord9ance1 or requirem5t     
e/abli%+ a m9imum wage1 provid+ =       
ov]time pay requirem5ts1 or provid+ =   
paid leave4  #e4 ,/rategic plan & report

 on co9 t]m9al op]ations & co9          
di/ribution /ability  7a7 ,/rategic     
,plan & ,report ,n lat] ?an #ij days    
aft] ! date ( ! enactm5t ( ?is ,act1 !  
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em %all submit to ! cov]$ committees
 & make publicly available a report t   
outl9es a /rategic plan = ! acceptance (
 p5ny ord]s & deposits at comm]cial co9 
t]m9als provid+ s]vices "u agreem5ts ) !
 ,f$]al res]ve banks nationwide1        
includ+--  7#a7 a description ( !       
,bo>d's approa* to limit+ disruptions 9 
p5ny supply & ma9ta9+ ! /ability ( &    
effici5cy ( ! co9 di/ribution sy/em1 to 
! greate/ ext5t practicable2  7#b7 an   
evaluation ( su* co9 t]m9als :]e !      
,f$]al res]ve banks no long] accept p5ny
 deposits or p5ny ord]s2  7#c7 an       
assessm5t ( :e!r process+ p5ny deposits 
or p5ny ord]s at su* co9 t]m9als c\ld   
mitigate any *all5ges relat$ to ceas+ ! 
production ( ! p5ny1 includ+ *all5ges   
relat$ to ! implem5tation ( r\nd+       
practices2  7#d7 an assessm5t by !      

,secret>y ( ! ,treasury1 :i* ! ,secret>y
 %all conduct & deliv] to ! ,bo>d n less
 ?an #fj days aft] ! date ( enactm5t (  
?is ,act--  7,a7 on ! impact ( p5ny     
supply & dem& disruptions1 & r\nd+      
practices = *eck ca%+1 on l[-income     
communities1 old] consum]s1 debank$1    
unbank$1 & und]bank$ individuals1       
includ+ fe$back f ,/ate or local        
entities2 &  7,b7 t includes            
recomm5dations to ! ,congress to address
 any adv]se impacts id5tifi$ "u         
subp>agraph 7,a72 &  7#d7 any additional
 consid]ations ! ,bo>d det]m9es relevant
 to ma9ta9+ p5ny di/ribution /ability4  
7b7 ,evaluation  7#a7 ,9 g5]al ,n lat]  
?an #f mon?s aft] submission ( ! report 
requir$ "u subsection 7a71 ! ,bo>d (    
,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all
 submit to ! cov]$ committees & make    
publicly available a report t evaluates 
! progress ( implem5t+ ! /rategic plan  
describ$ 9 subsection 7a71 includ+--    
7,a7 any mat]ial *anges to ! plan2 &    
7,b7 any id5tifi$ or em]g+ /ress 9 !    

p5ny di/ribution sy/em4  7#b7           
,successive reports ,! ,bo>d ( ,gov]nors
 ( ! ,f$]al ,res]ve ,sy/em %all submit  
to ! cov]$ committees & make publicly   
available #b additional reports t       
evaluate ! progress describ$ 9 p>agraph 
7#a7 on dates t are n lat] ?an-- 7,a7   
#ah mon?s aft] ! submission ( ! report  
requir$ "u subsection 7a72 &  7,b7 #cj  
mon?s aft] ! submission ( ! report      
requir$ "u subsection 7a74  #f4         
,def9itions ,9 ?is ,act3  7#a7 ,cov]$   
committees ,! t]m cov]$ committees      
means-- 7,a7 ! ,committee on ,f9ancial  
,s]vices ( ! ,h\se ( ,repres5tatives2 & 
7,b7 ! ,committee on ,bank+1 ,h\s+1 &   
,urban ,affairs ( ! ,s5ate4  7#b7       
,f9ancial in/itution ,! t]m f9ancial    
in/itution means any p]son1 o!r ?an an  
individual1 ! bus9ess ( :i* is engag+ 9 
f9ancial activities 9 section #d7k7 ( ! 
,bank ,hold+ ,company ,act ( #aief 7#ab 
,u4,s4,c4 #ahdc7k774  ,pass$ ! ,h\se (  
,repres5tatives ,july #ad1 #bjbf4;,cl]k4