Payment Choice Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 2326 Introduced in Senate (IS)] <DOC> 119th CONGRESS 1st Session S. 2326 To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and- mortar businesses throughout the United States, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES July 17, 2025 Mr. Cramer (for himself and Mr. Fetterman) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To ensure that United States currency is treated as legal tender to be accepted as payment for purchases of goods and services at brick-and- mortar businesses throughout the United States, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Payment Choice Act of 2025''. SEC. 2. SENSE OF CONGRESS. It is the sense of Congress that United States currency should be treated as legal tender throughout the United States, and that every consumer should have the right to use cash as payment at retail businesses that accept in-person payments. SEC. 3. RETAIL BUSINESSES PROHIBITED FROM REFUSING CASH PAYMENTS. (a) In General.--Subchapter I of chapter 51 of title 31, United States Code, is amended by adding at the end the following: ``Sec. 5104. Retail businesses prohibited from refusing cash payments ``(a) In General.--Any person engaged in the business of selling or offering goods or services at retail to the public who accepts in- person payments at a physical location (including a person accepting payments for telephone, mail, or internet-based transactions who is accepting in-person payments at a physical location)-