Consumer credit; discounts; cash; check; charges; credit card; debit card; line item; effective date.

HB 1260 prohibits sellers from charging extra fees (surcharges) for using credit or debit cards in consumer transactions, while allowing them to offer discounts for paying by cash or check. It requires any fee passed on for card use to appear as a separate line item on receipts. Certain entities - like private schools, municipalities, and public trusts - may charge limited service fees covering actual processing costs (e.g., bank fees, secure transaction costs), but only for card payments and not for cash/check. The bill applies to all Oklahoma consumer credit sales transactions and takes effect November 1, 2025.