North Carolina 2025 Session Status: In Committee Bipartisan · 16 D · 12 R cosponsors

HB 13 — Charges for Credit and Charge Cards.

Last action — Reptd Fav Com Sub 3

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

This bill is in committee in the House. Introduced January 29, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Prognosis

Advancing 42% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 29 sponsors

    2 primary, 27 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (16 D · 12 R) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

20 added · 30 removed

Plain-language change summary

The updated version of House Bill 13 now includes additional sponsors, reflecting broader support for the bill, which can help it gain momentum in the legislative process. Furthermore, it has been given a more specific reference to its current status within the general assembly session, clarifying its place in the legislative calendar. These changes are significant as they indicate that more legislators are backing the bill, increasing its chances of being passed into law.

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GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2025 H 2 HOUSE BILL 13 Committee Substitute Favorable 4/29/25 Short Title:
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2025 H 1 HOUSE BILL 13 Short Title:
Charges for Credit, Charge, & Debit Cards.
Charges for Payments by Credit or Debit Card.
Representatives Warren, Ross, Setzer, and Tyson (Primary Sponsors).
For a complete list of sponsors, refer to the North Carolina General Assembly web site.
January 30, 2025 A BILL TO BE ENTITLED AN ACT TO REGULATE THE AMOUNT A MERCHANT MAY CHARGE CUSTOMERS FOR PAYMENTS BY CREDIT CARD, CHARGE CARD, OR DEBIT CARD.
Rules, Calendar, and Operations of the House January 30, 2025 A BILL TO BE ENTITLED AN ACT TO REGULATE THE AMOUNT A MERCHANT MAY CHARGE CUSTOMERS FOR PAYMENTS BY CREDIT CARD OR DEBIT CARD.
Charges for payments by credit card, charge card, or debit card.
Charges for payments by credit card or debit card.
– An entity involved in facilitating or processing an electronic transfer of funds between a merchant and a customer using a credit card, charge card, or debit card.
– An entity involved in facilitating or processing an electronic transfer of funds between a merchant and a customer using a credit card or debit card.
(b) A merchant operating in this State shall not impose a charge for payments by credit card, charge card, or debit card that is more than three percent (3%) of the total transaction or the actual charge that the merchant pays to a payment card entity to facilitate or process these payments, whichever is less.
(b) A merchant operating in this State shall not impose a charge for payments by credit card or debit card that is more than the charge that the merchant pays to a payment card entity to facilitate or process these payments.
If a merchant operating in this State advertises that it accepts payments by credit card, charge card, or debit card and imposes a charge for these payments, the merchant shall clearly and conspicuously disclose at the point of entry and the point of sale for in-person transactions, and the home page and webpage for online transactions the amount of the charge.
If a merchant operating in this State advertises that it accepts payments by credit card or debit card and imposes a charge for these payments, the merchant shall conspicuously disclose the amount of the charge in the advertisement.
Notice, including all required information, shall be verballydisclosed to the customer for transactions processed over the phone.
(c) The Secretary of Commerce may assess a civil penalty against a merchant for a violation of this section.
(c) A merchant may offer discounts for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, charge card, or debit card provided that the discount is offered to all prospective customers and its availability is disclosed to all prospective customers clearly and conspicuously.
The amount of the penalty shall not exceed two thousand five hundred dollars($2,500)forthefirstviolationorfivethousanddollars($5,000)forasubsequentviolation.
(d) A merchant shall not charge for use of a credit card, charge card, or debit card in lieu of another means of payment if at the time of transaction only credit cards, charge cards, or debit cards are accepted as payment by that merchant.
(e) The Secretary of Commerce may assess a civil penalty against a merchant for a violation of this section.
The amount of the penalty shall not exceed five hundred dollars ($500.00) per violation.
*H13-v-2*
*H13-v-1*
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Action History

  1. Reptd Fav Com Sub 3

  2. Re-ref Com On Rules, Calendar, and Operations of the House

  3. Withdrawn From Com

  4. Re-ref to the Com on Finance, if favorable, Rules, Calendar, and Operations of the House

  5. Reptd Fav Com Sub 2

  6. Re-ref Com On Rules, Calendar, and Operations of the House

  7. Withdrawn From Com

  8. Re-ref to the Com on Judiciary 1, if favorable, Rules, Calendar, and Operations of the House

  9. Reptd Fav Com Substitute

  10. Re-ref Com On Rules, Calendar, and Operations of the House

  11. Withdrawn From Com

  12. Re-ref to the Com on Judiciary 1, if favorable, Rules, Calendar, and Operations of the House

  13. Reptd Fav

  14. Re-ref Com On Finance

  15. Withdrawn From Com

  16. Re-ref to the Com on Commerce and Economic Development, if favorable, Finance, if favorable, Rules, Calendar, and Operations of the House

  17. Serial Referral To Judiciary 1 Stricken

  18. Serial Referral To Finance Stricken

  19. Withdrawn From Com

  20. Re-ref Com On Rules, Calendar, and Operations of the House

  21. Withdrawn From Com

  22. Re-ref to the Com on Commerce and Economic Development, if favorable, Judiciary 1, if favorable, Finance, if favorable, Rules, Calendar, and Operations of the House

  23. Passed 1st Reading

  24. Ref To Com On Rules, Calendar, and Operations of the House

  25. Filed

Sponsors

Sponsorship breakdown

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2 sponsors · 27 co-sponsors · 150 not signed on

Sponsors (2)

Co-sponsors (27)

Not signed on (150)

150 members have not signed on to this bill.

Show all 150 →

"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

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

Who sponsors HB 13?
HB 13 is sponsored by David Willis (Republican), Donna McDowell White (Republican), Diane Wheatley (Republican), Brian Turner (Democratic), Amos L. Quick, III (Democratic), A. Reece Pyrtle, Jr. (Republican), Rodney D. Pierce (Democratic), Jeffrey C. McNeely (Republican), Jordan Lopez (Democratic), Donnie Loftis (Republican), Ya Liu (Democratic), Pricey Harrison (Democratic), Julia Greenfield (Democratic), Brian Echevarria (Republican), Sarah Crawford (Democratic), Bryan Cohn (Democratic), Tracy Clark (Democratic), Campbell, Deb Butler (Democratic), Terry M. Brown Jr. (Democratic), Gloristine Brown (Democratic), Mary Belk (Democratic), Amber M. Baker (Democratic), Jonathan L. Almond (Republican), Eric Ager (Democratic), Steve Tyson (Republican), Stephen M. Ross (Republican), Harry Warren (Republican), and Neal Jackson (Republican).
What is the current status of HB 13?
This bill is in committee in the House. Introduced January 29, 2025. It must pass committee before a floor vote.
Where can I track HB 13?
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Last checked for changes 3 months ago · updated continuously

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