,,ii  #aai? ,,congress  #a/ ,session    
,s4 #bcbf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ag1 #bjbe ,mr4  
,cram] 7= himself & ,mr4 ,fett]man7     
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to ensure t ,unit$ ,/ates      
curr5cy is treat$ z legal t5d] to be    
accept$ z paym5t = pur*ases ( goods &   
s]vices at brick-&-mort> bus9esses      
?r\gh\t ! ,unit$ ,/ates1 & = o!r        
purposes4  #a4  ,%ort title  ,?is ,act  
may be cit$ z ! ,paym5t ,*oice ,act (   
#bjbe4  #b4  ,s5se ( ,congress  ,x is ! 
s5se ( ,congress t ,unit$ ,/ates curr5cy
 %\ld be treat$ z legal t5d] ?r\gh\t !  
,unit$ ,/ates1 & t e consum] %\ld h ! "r
 to use ca% z paym5t at retail bus9esses
 t 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 up to & includ+ #ejj  
p] transaction2 &  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--  7,a7 ! p]son is unable to accept  
ca% because (-- 7i7 a sale sy/em failure
 t tempor>ily prev5ts ! process+ ( ca%  
paym5ts2 or  7ii7 tempor>ily hav+       
insuffici5t ca% on h& to make *ange2 or 
7,b7  7i7 ! p]son provides cu/om]s ) a  
device t conv]ts ca% into prepaid c>ds  
on ! premises2  7ii7 !re is no fee = !  
use ( ! device2  7iii7 ! device does n  

require a m9imum deposit ( m ?an "o     
doll>2  7iv7 any funds plac$ onto a     
prepaid c>d us+ ! device d n expire1    
except z p]mitt$ "u p>agraph 7#b72  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 produces4  7#b7  ,inactivity  ,a 
p]son seek+ exception f subsection 7a7  
may *>ge an inactivity fee 9 association
 ) a 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 bill d5om9ations 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 #aj & #bj bills4  7d7  ,en=cem5t
  7#a7  ,prev5tative relief  7,a7  ,9   
g5]al  ,: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   
any cu/om] or prospective cu/om] ( su*  
p]son aggriev$ by su* violation or      
?reat5$ violation may deliv] to !       
retail]1 or cause to be s deliv]$ by    
c]tifi$ mail1 ) pro( ( deliv]y1 a notice
 describ+1 9 reasonable detail1 !       
conduct or ev5ts con/itut+ ! violation  
or ?reat5$ violation1 & giv+ notice t1  
unless su* conduct is correct$ or cur$  

)9 #de days aft] ! date ( deliv]y ( su* 
notice1 a civil action = prev5tative    
relief1 includ+ an application = a      
p]man5t or tempor>y injunction1 re/ra9+ 
ord]1 or o!r appropriate su* relief1 :i*
 may include a civil p5alty "u p>agraph 
7#b71 may be br\ght aga9/ su* p]son4    
7,b7  ,no violation  ,if1 )9 ! #de-;day 
p]iod "u subp>agraph 7,a71 ! retail]    
e/abli%es to ! reasonable satisfaction (
 ! cu/om]1 9 a response provid$ 9 writ+ 
to ! cu/om]1 t no violation occurr$ z   
alleg$1 or c]tifies t ! violation alleg$
 has be5 correct$ or cur$1 & provides   
reasonable assurance t no su* violation 
w be p]mitt$ to occur1 no fur!r proce$+s
 "u ?is section %all be und]tak54  7,c7 
,failure to respond  ,if a retail]1 hav+
 receiv$ a notice describ$ 9 subp>agraph
 7,a71 fails to respond 9 accordance ) t
 subp>agraph1 or responds b fails to    
reasonably e/abli% t ! violation alleg$ 
did n occur or has be5 correct$ or cur$1
 ! aggriev$ cu/om] may file a civil     
action aga9/ ! retail] seek+ relief "u  

?is subsection1 & %all atta* to !       
compla9t 9 su* action copies ( ! notice 
giv5 to ! retail] & any response f !    
retail]4  7#b7  ,damages & civil        
p5alties  ,any p]son :o violates ?is    
section %all-- 7,a7 be liable = actual  
damages1 &1 if actual damages are less  
?an #bej1 liquidat$ damages ( #bej2 &   
7,b7 a civil p5alty ( n m ?an #ejj = a  
fir/ (f5se & n m ?an #a1ejj = 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 fee1 n to exce$ #c1jjj1 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$it ,union ,%>e ,insurance ,fund1    
%all submit to ! ,committee on ,bank+1  
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives a report t      
provides--  7#a7 ! numb] ( automat$     
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$4  4  
7b7  ,te*nical & con=m+ am5dm5t  ,!     
table ( cont5ts = *apt] #ea ( title #ca1
 ,unit$ ,/ates ,code1 is am5d$ by ins]t+
 aft] ! item relat+ to section #eajc !  
foll[+3  #eajd4 ,retail bus9esses       
prohibit$ f refus+ ca% paym5ts4  4