Connecticut Senate Bill SB00592

Connecticut 2015 Regular Session

• Introduced: 1/22/15
• Refer: 1/22/15

Caption

An Act Prohibiting A Provider Of Consumer Goods Or Services From Requiring That A Credit Card Be Used To Make Or Otherwise Secure Payment For The Goods Or Services.

Impact

If passed, SB00592 would amend Title 42 of the general statutes regarding payment policies in the sale of consumer goods and services. The implications of this law would mean that businesses could not refuse service based on a customer's lack of a credit card. The policy is expected to benefit segments of the population who are older, younger, or those preferring traditional payment methods. However, businesses may need to reassess their transaction security protocols to adjust to the new requirements which could complicate existing payment transaction processes.

Summary

SB00592 aims to enhance consumer protection by prohibiting providers of consumer goods or services from mandating the use of credit cards for payment. The bill ensures that consumers can opt to pay through other means, such as checks, without being pressured to produce a credit card or credit card account number for additional security. This objective aligns with broader efforts to foster inclusivity in commerce and to accommodate those who may not possess credit cards, thereby promoting fair access to goods and services.

Contention

Notable points of contention surrounding SB00592 could arise from the balance between consumer rights and the operational needs of businesses. Opponents may argue that the bill could create difficulties in fraud prevention and secure transactions, as businesses often use credit cards to mitigate risks associated with check payments. Proponents would counter that the legislation is necessary to protect consumers from being marginalized due to their payment preferences, ensuring that all consumers are treated fairly regardless of their financial background.