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HB3041

Credit cards; discounts inducing payment by cash, check or similar means; setting maximum service charge; effective date; emergency.

Chamber Passed·3/16/26

Oklahoma HB3041 regulates discounts for cash or check payments and limits credit card surcharges to 2%.

Oklahoma HB3041 amends existing law to clarify that discounts for cash, check, or similar payments do not qualify as credit service charges. It also sets a maximum surcharge of 2% for credit card transactions, whichever is less between the surcharge and the actual processing fees. The surcharge must be clearly disclosed to customers. This act takes effect November 1, 2026.

Included in complete analysis

  • Overview
  • Core Provisions
  • Implementation
  • Impact
  • Legal Framework
  • Critical Issues

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Where it stands

Last
Passed the House · 5–4 · Mar 16
Current
The Senate
Next
Senate floor vote

Sponsors

0
3
RRR
Democratic CaucusRepublican Caucus

Roll Call Votes

5 Yea

RRRRR

4 Nay

RRDR

Calendar

Apr 16

9:30 AM

Senate Business and Insurance 2ND REVISED Hearing

Feb 24

10:30 AM

House Government Oversight Hearing

History

Apr 22

Senate

Coauthored by Representative Gise

Apr 21

Senate

Placed on General Order

Apr 16

Senate

Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed