Concerns credit card interchange fees and consumer protection.

New Jersey's A 1921 regulates credit card interchange fees by prohibiting payment networks like Visa and MasterCard from restricting merchants' flexibility. The bill directly affects merchants (businesses accepting credit cards) and payment networks, banning them from: forcing specific pricing displays, blocking discounts for cash/debit cards, limiting where cards are accepted, restricting minimum/maximum transaction values ($10+), or limiting which payment systems merchants can use. It requires payment networks to reimburse merchants for fees collected during violations. The law aims to increase transparency and competition in credit card fee pricing, which currently inflates consumer prices as merchants pass costs to all shoppers.