# 119-s-2326: Payment Choice Act of 2025

119-s-2326, Payment Choice Act of 2025, is a 119th Congress bill sponsored by Sen. Cramer, Kevin [R-ND] (R-ND); status introduced; PRIA reads it as touching household money (as of 2026-06-13).

- Canonical: https://policyrisk.com/legislation/119-s-2326
- As of: 2026-06-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2326
- Congress: 119
- Title: Payment Choice Act of 2025
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Sen. Cramer, Kevin [R-ND] (R-ND)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-06-13

## Summary

**Guarantee consumers' right to use cash** for in-person retail purchases and set national rules that stores taking in-person payments would have to accept cash for transactions up to $500. The bill would ban higher prices for cash-paying customers and create limited, specific exceptions, enforcement tools, and reporting requirements.

## Cosponsors (1)

- Sen. Fetterman, John [D-PA] (D-PA), 2025-07-17T00:00:00.000Z

## Provisions PRIA read

- Private enforcement and penalties: benefit, medium. If a store breaks the cash rule, you could send a certified notice and the store would have 45 days to fix it. If not fixed, you could sue and recover actual money lost or $250 if losses are under $250. Stores could face civil fines up to $500 for a first offense and $1,500 for repeat offenses. A p…
- Right to pay with cash up to $500: benefit, medium. You would be able to pay with cash for in-person purchases up to $500 per transaction. Stores that accept in-person payments would have to accept cash and could not charge cash customers more than other customers. Stores could temporarily refuse cash if their sales system fails or they lack change.…
- Annual ATM location reports to Congress: benefit, medium. One year after enactment, the FDIC and NCUA would give Congress annual reports on ATMs. Reports would list how many ATMs each insured institution operates. Reports would name locations of fixed ATMs and the coverage area for mobile ATMs.

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-4949: Water Resources Development Act of 2026
- 119-s-1748: Kids Online Safety Act
- 119-s-1260: Rural Housing Service Reform Act of 2025
- 119-s-2886: America’s CHILDREN Act of 2025
- 119-s-554: United States-Israel Defense Partnership Act of 2025

## Sources
- [119-s-2326 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2326)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-4949: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-s-4949)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-1260: Rural Housing Service Reform Act of 2025](https://policyrisk.com/legislation/119-s-1260)
- [119-s-2886: America’s CHILDREN Act of 2025](https://policyrisk.com/legislation/119-s-2886)
- [119-s-554: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-s-554)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2326 (as of 2026-06-13).