H.R. 1138In committeeJobs & the economy
Retail stores would be required to accept cash payments
Data as of July 11, 2026
HR 1138 would require most physical stores to accept cash for purchases up to $500 and ban charging cash customers higher prices.55-second read · 5 questions answered below
Decoded
What does this do?
This bill would require physical retail stores to accept cash for in-person purchases up to $500. Stores cannot charge cash-paying customers more than customers who pay by card. Stores that offer a free on-site machine converting cash to a no-fee, no-expiration prepaid card that collects no personal information may be exempt from the cash requirement.
Who does it affect?
This bill applies to physical retail businesses that accept in-person payments. Customers who are turned away for paying with cash would have the right to send a formal notice and, if unresolved within 45 days, to sue the business.
Why does it matter?
Without this law, some physical stores can legally refuse cash or charge cash customers more, which can affect people who do not use cards or bank accounts. States and localities with stronger cash-acceptance rules would keep their own laws in place.
What does it cost, and who pays?
- Sue cash refuser: min $250 damages
- 1st violation: up to $500 fine
- Repeat violations: up to $1,500
Where does it stand?
- Introduced
- House committee — You are here
- House vote
- Senate
- President's desk
Right now: a House committee is reviewing it. If the Senate changes it, it goes back to the House before reaching the President.
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How it's being covered
Real reporting on this bill, labeled by each outlet's political lean.
Coverage of this bill so far comes from one side of the spectrum. Read it with that in mind.
- Payment Choice Coalition Welcomes Currency Exchange International as New 2026 Champion
manilatimes.netMar 30, 2026
- New Legislation Would Require Businesses and Government to Accept Cash
breitbart.comNov 23, 2025Leans right
- New Ohio law could require Walmart, Costco to accept cash for payments
nypost.comNov 22, 2025Leans right
Lean labels describe the news outlet, not this bill or any party. Ratings by AllSides.
Official title
Payment Choice Act of 2025
- Introduced:
- February 7, 2025
- Latest action:
- February 7, 2025
Referred to the House Committee on Financial Services.
Read the official bill on Congress.govMake the call
Three steps: where you stand, your script, the call.