Pennsylvania House Bill HB1780

Pennsylvania 2025-2026 Regular Session

• Introduced: 8/4/25
• Refer: 8/4/25

Caption

Providing for transparent payment fees.

Impact

If enacted, HB 1780 would amend Title 12 of the Pennsylvania Consolidated Statutes, creating a new chapter focused on transparent payment fees. The implications of this bill could lead to significant changes in how merchants communicate their pricing structures. By enforcing mandatory surcharge disclosures, the bill aims to mitigate unexpected fees that consumers might face, enhancing trust between consumers and businesses. Moreover, it would grant the Bureau of Consumer Protection the authority to enforce penalties against non-compliant merchants, subsequently supporting consumer rights more robustly than in previous legislation.

Summary

House Bill 1780 aims to enhance consumer protection by mandating the transparent disclosure of credit card surcharges by merchants in Pennsylvania. The legislation specifically requires that any fees charged for the use of a credit card must be disclosed to the consumer before completing a transaction. This chapter also limits the surcharge to not exceed the merchant's actual cost for processing the credit card payment. The focus on transparency is intended to empower consumers and provide them with clearer information regarding additional costs incurred during their purchase transactions, thereby fostering a more informed shopping environment.

Sentiment

The general sentiment around HB 1780 is largely positive from a consumer perspective, with advocacy for greater transparency in payment structures. Proponents argue that it helps prevent deceptive practices among merchants, ensuring that consumers are not caught off-guard by surcharges. However, some merchants may view the bill as an additional regulatory burden, raising concerns about its impact on their operational flexibility and potential effects on sales. This dichotomy illustrates a broader conflict between consumer interests and business operations.

Contention

Notable points of contention include the limitation on surcharge amounts and the requirement for upfront disclosure. While these provisions are designed to protect consumers, some stakeholders argue they may lead to decreased profitability for businesses that rely on credit card transactions to boost sales. Additionally, enforcement mechanisms, including potential penalties and their implications, could spark debates on the fairness and adequacy of punishments for violations. This highlights the challenges of balancing consumer protection with business interests and raises questions about the feasibility of compliance for various types of merchants.