Colorado 2025 Regular Session Status: Passed House Bipartisan · 10 D · 2 R cosponsors

HB 25-1282 — Payment Card Network Practices & Fees

Last action — Senate Committee on Judiciary Postpone Indefinitely

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill died with 2025 Regular Session. It reached “Passed House” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there are no live odds of enactment. It would have to be reintroduced in the current session to move again.

Summary

The bill enacts the "Swipe Fee Fairness and Consumer Safeguards Act" (act), which prohibits a payment card network from: Fixing or conspiring to fix an interchange fee with, or on behalf of, a covered credit card issuer or another payment card network; Establishing, putting forward, or implementing a fee schedule that the payment card network knows, or reasonably should know, has been used by a covered credit card issuer other than the payment card network to determine the amount of an interchange fee charged or received by the covered credit card issuer in the current or previous calendar year; Establishing, charging, or putting forward on a fee schedule an interchange fee if the fee includes a percentage multiplied by the amount of a transaction and the fee does not exclude any amount attributable to a tax or gratuity on the transaction, or increasing fees in an attempt to or in a manner that would circumvent such interchange fee prohibition; Requiring a merchant that accepts credit cards that are enabled for processing over the payment card network to accept all credit cards issued by a covered credit card issuer that are enabled for processing over the payment card network; Distributing, publishing, or otherwise using data from an electronic payment transaction, except in certain circumstances; Charging a fee to a consumer or merchant related to a disputed credit card transaction until the dispute has been resolved and the consumer or merchant has been provided written notice of the determination; or Imposing a penalty on a merchant for setting prices in a manner that complies with state and federal law. The bill prohibits a payment card network from establishing, putting forward, or implementing a fee schedule that the payment card network knows or reasonably should know has been used by one or more issuers other than the payment card network to determine the amount of an interchange fee received or charged in respect to a charitable contribution, unless the interchange fee does not exceed: 0.2% of the amount of a charitable contribution made by means of a debit card; or 0.3% of the amount of a charitable contribution made by means of a credit card. If a payment card network violates the act, a merchant, consumer, or other individual or entity that is injured as a result may bring a civil action. A payment card network that is found to have violated the act as a result of a civil action other than a certified class action is liable in an amount equal to the sum of: The greater of: The amount of actual damages sustained plus interest; or $500; or 3 times the amount of actual damages sustained if the payment card network engaged in bad faith conduct; plus The costs of the action plus reasonable attorney fees. If a payment card network is found liable in a certified class action, a successful plaintiff may recover actual damages, injunctive relief allowed by law, and reasonable attorney fees and costs. (Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)

Bill Text

What changed in the latest version

22 added · 16 removed

Plain-language change summary

In the updated version of HB 25-1282, the title now clearly marks it as the "Swipe Fee Fairness and Consumer Safeguards" bill, which emphasizes its intention to address swipe fees charged by card networks. Additionally, the language has been refined to clarify that any adopted amendments will be reflected in this reengrossed version. This change is important because it ensures that the most recent revisions are transparent and accessible, helping to inform lawmakers and the public about the current state of the bill.

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Latest
First Regular Session Seventy-fifth General Assembly STATE OF COLORADO ENGROSSED This Version Includes All Amendments Adopted on Second Reading in the House of Introduction LLS NO.
First Regular Session Seventy-fifth General Assembly STATE OF COLORADO REENGROSSED This Version Includes All Amendments Adopted in the House of Introduction LLS NO.
25-0801.01 Caroline Martin x5902 HOUSE BILL 25-1282 HOUSE SPONSORSHIP Brooks and Lindstedt, SENATE SPONSORSHIP Daugherty and Kirkmeyer, House Committees Senate Committees Finance A BILL FOR AN ACT C ONCERNING PROHIBITIONS ON CERTAIN PAYMENT CARD NETWORK PRACTICESINVOLVINGELECTRONICPAYMENTTRANSACTIONS .
25-0801.01 Caroline Martin x5902 HOUSE BILL 25-1282 HOUSE SPONSORSHIP Brooks and Lindstedt, Bird, Brown, Garcia, Hamrick, Lindsay, McCormick, Paschal, Ricks, Rydin, Story SENATE SPONSORSHIP Daugherty and Kirkmeyer, House Committees Senate Committees Finance A BILL FOR AN ACT C ONCERNING PROHIBITIONS ON CERTAIN PAYMENT CARD NETWORK PRACTICESINVOLVINGELECTRONICPAYMENTTRANSACTIONS .
This summary applies to this bill as introduced and does notreflectanyamendmentsthatmaybesubsequentlyadopted.Ifthisbill passes third reading in the house of introduction, a bill summary that applies to the reengrossed version of this bill will be available at http://leg.colorado.gov.) Thebillenactsthe"SwipeFeeFairnessandConsumerSafeguards Act" (act), which prohibits a payment card network from:
This summary applies to this bill as introduced and does d notreflectanyamendmentsthatmaybesubsequentlyadopted.Ifthisbill d passes third reading in the house of introduction, a bill summary that e 2 a 2 applies to the reengrossed version of this bill will be available at S U 9 http://leg.colorado.gov.) U g 1 H d r e a Thebillenactsthe"SwipeFeeFairnessandConsumerSafeguards d M Act" (act), which prohibits a payment card network from:
n ! Establishing, putting forward, or implementing a fee e 2 E n , U U 1 Shading denotes HOUSE amendment.
d ! Establishing, putting forward, or implementing a fee e 5 E a 2 S U 8 O g h Shading denotes HOUSE amendment.
H i c Capital letters or bold & italic numbers indicate new material to be added to existing lew.
H d r Capital letters or bold & italic numbers indicate new material to be added to existing law.e M Dashes through the words or numbers indicate deletions from existing law.
Dashes through the words or numbers indicate deletions from existing law.
d schedule that the payment card network knows, or reasonablyshouldknow,hasbeenusedbyacoveredcredit card issuer other than the payment card network to determine the amount of an interchange fee charged or received by the covered credit card issuer in the current or previous calendar year;
R M schedule that the payment card network knows, or reasonablyshouldknow,hasbeenusedbyacoveredcredit card issuer other than the payment card network to determine the amount of an interchange fee charged or received by the covered credit card issuer in the current or previous calendar year;
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Amendments

1 amendment

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Action History

  1. Senate Committee on Judiciary Postpone Indefinitely

  2. Senate Committee on Judiciary Lay Over Unamended - Amendment(s) Failed

  3. Introduced In Senate - Assigned to Judiciary

  4. House Third Reading Passed - No Amendments

  5. House Second Reading Special Order - Passed - No Amendments

  6. House Committee on Finance Refer Unamended to House Committee of the Whole

  7. Introduced In House - Assigned to Finance

Sponsors

Sponsorship breakdown

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4 sponsors · 10 co-sponsors · 87 not signed on · 19 voted No

Sponsors (4)

Co-sponsors (10)

Not signed on (87)

87 members have not signed on to this bill.

Show all 87 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

BILL

Passed 43 Yea · 21 Nay · 1 Other
Party YeaNayPresentNot Voting
Unaffiliated 1300
Democrat 34800
Republican 81001
Total 432101
% of votes cast 66%32%0%2%
How each member voted (65)
Member Party Vote
Armagost — Nay
Bird — Yea
Pugliese — Nay
Garcia Sander — Nay
Alex Valdez Democrat Nay
Amy Paschal Democrat Yea
Andrew Boesenecker Democrat Yea
Bob Marshall Democrat Nay
Brianna Titone Democrat Yea
Cecelia Espenoza Democrat Nay
Chad Clifford Democrat Yea
Eliza Hamrick Democrat Yea
Elizabeth Velasco Democrat Yea
Emily Sirota Democrat Yea
Gretchen Rydin Democrat Yea
Jacque Phillips Democrat Yea
Jamie Jackson Democrat Yea
Javier Mabrey Democrat Yea
Jennifer Bacon Democrat Yea
Jenny Willford Democrat Yea
Julie McCluskie Democrat Yea
Junie Joseph Democrat Nay
Karen McCormick Democrat Yea
Katie Stewart Democrat Yea
Kyle Brown Democrat Yea
Lesley Smith Democrat Yea
Lindsay Gilchrist Democrat Yea
Lisa Feret Democrat Yea
Lorena Garcia Democrat Yea
Mandy Lindsay Democrat Yea
Manny Rutinel Democrat Yea
Matthew Martinez Democrat Yea
Meg Froelich Democrat Yea
Meghan Lukens Democrat Yea
Michael Carter Democrat Nay
Monica Duran Democrat Nay
Naquetta Ricks Democrat Yea
Rebekah Stewart Democrat Yea
Regina English Democrat Yea
Sean Camacho Democrat Nay
Sheila Lieder Democrat Nay
Steven Woodrow Democrat Yea
Tammy Story Democrat Yea
Tisha Mauro Democrat Yea
William Lindstedt Democrat Yea
Yara Zokaie Democrat Yea
Anthony Hartsook Republican Nay
Brandi Bradley Republican Yea
Carlos Barron Republican Yea
Chris Richardson Republican Nay
Dan Woog Republican Nay
Dusty Johnson Republican Nay
Jarvis Caldwell Republican Nay
Ken DeGraaf Republican Not Voting
Larry Don Suckla Republican Yea
Mary Bradfield Republican Yea
Matt Soper Republican Nay
Max Brooks Republican Yea
Rebecca Keltie Republican Nay
Rick Taggart Republican Yea
Ron Weinberg Republican Yea
Ryan Gonzalez Republican Yea
Scott Bottoms Republican Nay
Stephanie Luck Republican Nay
Ty Winter Republican Nay

Official roll call →

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does HB 25-1282 do?
The bill enacts the "Swipe Fee Fairness and Consumer Safeguards Act" (act), which prohibits a payment card network from: Fixing or conspiring to fix an interchange fee with, or on behalf of, a covered credit card issuer or another payment card network; Establishing, putting forward, or implementing a fee schedule that the payment card network knows, or reasonably should know, has been used by a covered credit card issuer other than the payment card network to determine the amount of an interchange fee charged or received by the covered credit card issuer in the current or previous calendar year; Establishing, charging, or putting forward on a fee schedule an interchange fee if the fee includes a percentage multiplied by the amount of a transaction and the fee does not exclude any amount attributable to a tax or gratuity on the transaction, or increasing fees in an attempt to or in a manner that would circumvent such interchange fee prohibition; Requiring a merchant that accepts credit cards that are enabled for processing over the payment card network to accept all credit cards issued by a covered credit card issuer that are enabled for processing over the payment card network; Distributing, publishing, or otherwise using data from an electronic payment transaction, except in certain circumstances; Charging a fee to a consumer or merchant related to a disputed credit card transaction until the dispute has been resolved and the consumer or merchant has been provided written notice of the determination; or Imposing a penalty on a merchant for setting prices in a manner that complies with state and federal law. The bill prohibits a payment card network from establishing, putting forward, or implementing a fee schedule that the payment card network knows or reasonably should know has been used by one or more issuers other than the payment card network to determine the amount of an interchange fee received or charged in respect to a charitable contribution, unless the interchange fee does not exceed: 0.2% of the amount of a charitable contribution made by means of a debit card; or 0.3% of the amount of a charitable contribution made by means of a credit card. If a payment card network violates the act, a merchant, consumer, or other individual or entity that is injured as a result may bring a civil action. A payment card network that is found to have violated the act as a result of a civil action other than a certified class action is liable in an amount equal to the sum of: The greater of: The amount of actual damages sustained plus interest; or $500; or 3 times the amount of actual damages sustained if the payment card network engaged in bad faith conduct; plus The costs of the action plus reasonable attorney fees. If a payment card network is found liable in a certified class action, a successful plaintiff may recover actual damages, injunctive relief allowed by law, and reasonable attorney fees and costs. (Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)
Who sponsors HB 25-1282?
HB 25-1282 is sponsored by Tammy Story (Democrat), Gretchen Rydin (Democrat), Naquetta Ricks (Democrat), Amy Paschal (Democrat), Karen McCormick (Democrat), Mandy Lindsay (Democrat), Eliza Hamrick (Democrat), L. García, Kyle Brown (Democrat), S. Bird, Barbara Kirkmeyer (Republican), Lindsey Daugherty (Democrat), William Lindstedt (Democrat), and Max Brooks (Republican).
What is the current status of HB 25-1282?
This bill died with 2025 Regular Session. It reached “Passed House” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track HB 25-1282?
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