HB 3041 — Credit cards; discounts inducing payment by cash, check or similar means; setting maximum surcharge; effective date; emergency.

HOUSEENGROSSED OF REPRESENTATIVES - FLOOR VERSION STATE OF OKLAHOMA 2nd Session of the 60th Legislature (2026) COMMITTEE SUBSTITUTE FOR HOUSE BILL NO.

West (Josh) of the House and Woods of the Senate 95 COMMITTEE SUBSTITUTE An Act relating to sales transactions;

2025, Section 2-211), which relates to discounts inducing payment by case,cash, check, or similar means;

With respect to all sales, service, and lease transactions including, but not limited to, any consumer credit sales transaction, a discount which a seller offers, allows, HB3041or HFLRotherwise Pagemakes 1available BOLDfor FACEthe denotespurpose Committeeof Amendments.inducing payment by cash, check, debit card, or similar means rather than by use of a credit card shall not constitute a credit service charge as determined under Section 2-109 of this title if the discount is offered to all prospective buyers clearly and conspicuously in ENGR.

orH. otherwise makes available for the purpose of inducing payment by cash, check, debit card, or similar means rather than by use of a credit card shall not constitute a credit service charge as determined under Section 2-109 of this title if the discount is offered to all prospective buyers clearly and conspicuously in accordance with regulations of the Administrator of Consumer Credit.

B.

NO.

3041 Page 1 accordance with regulations of the Administrator of Consumer Credit.

A customer shall not be considered to have chosen to HB3041use HFLRa Pagecredit 2card BOLDas FACEa denotesmethod Committeeof Amendments.payment under this section if, at the time of the transaction, the person or retailer seller accepts only credit cards as payment.

use a credit card as a method of payment under this section if, at the time of the transaction, the person or retailer seller accepts only credit cards as payment.

A seller who is registered with the United States Department of the Treasury as a money transmitter pursuant to 31 C.F.R., SectionENGR. 103.41, and who provides an electronic funds transmission service, including service by telephone and the Internet, may charge a different price for a funds transmission service based on the mode of transmission used in the transaction without violating this section so long as the price charged for a service paid for with an open-end credit card or debit card account is not greater than the price charged for such service if paid for with currency or other similar means accepted within the same mode of transmission.

H.

B.

NO.

3041 Page 2 Section 103.41, and who provides an electronic funds transmission service, including service by telephone and the Internet, may charge a different price for a funds transmission service based on the mode of transmission used in the transaction without violating this section so long as the price charged for a service paid for with an open-end credit card or debit card account is not greater than the price charged for such service if paid for with currency or other similar means accepted within the same mode of transmission.

HB3041 HFLR Page 3 BOLD FACE denotes Committee Amendments.

"Surcharge" means any additional amount imposed by a person, entity, or retailer at the time of a credit card transaction that increasesENGR. the amount of the transaction for the use of a credit card as payment.

H.

B.

NO.

3041 Page 3 increases the amount of the transaction for the use of a credit card as payment.

It being immediately necessary for the preservation of the public peace, health or safety, an emergency is hereby HB3041declared HFLRto Pageexist, 4by BOLDreason FACEwhereof denotesthis Committeeact Amendments.shall take effect and be in full force from and after its passage and approval.

declaredENGR. to exist, by reason whereof this act shall take effect and be in full force from and after its passage and approval.

4H. COMMITTEE REPORT BY:

COMMITTEEB. ON GOVERNMENT OVERSIGHT, dated 02/25/2026 - DO PASS, As Amended.

6NO. 8 HB3041 HFLR Page 5 BOLD FACE denotes Committee Amendments.

3041 Page 4 Passed the House of Representatives the 12th day of March, 2026.

3 Presiding Officer of the House of Representatives 6 Passed the Senate the ___ day of __________, 2026.

8 Presiding Officer of the Senate ENGR.

H.

B.

NO.

3041 Page 5