Credit cards; discounts inducing payment by cash, check or similar means; setting maximum surcharge; effective date; emergency.
HB 3041 prohibits most businesses in Oklahoma from charging customers extra fees (surcharges) for using credit cards, except when the surcharge is capped at 2% of the transaction or the actual processing fee, whichever is lower. Businesses may still offer discounts for cash, check, or debit card payments. The bill requires clear display of any permitted surcharge at entry points and online, and allows money transmitters (like payment processors) to charge different prices based on payment method without violating the rule. It directly affects retailers, service providers, and online sellers operating in Oklahoma who accept credit card payments.
Bill status
passed
3 of 5 stages cleared
Introduction
Feb 2026
Committee Review
Apr 2026
House Passage
Mar 2026
Senate Passage
Governor
Introduced Feb 2, 2026
Last action Apr 22, 2026
Maddy AI version diff · 6 comparisons
What changed between versions
Floor (House)
→
Floor (Senate)
·
4 edits
MODERATE
The bill was amended to shift its focus from regulating discounts to regulating surcharges on credit cards. The most significant change is the removal of a cap on cash discounts, allowing sellers to offer unlimited discounts for paying with cash or check. Additionally, the surcharge limit was increased from 2% to 4%, and the bill was re-titled to reflect its new focus on credit card surcharges rather than discounts.
Scope change
The bill's scope was narrowed to focus exclusively on credit card surcharges, removing the previous section that regulated discounts for cash payments.
REQUIREMENT
The maximum surcharge allowed on credit card transactions was increased from 2% to 4% of the transaction amount.
SCOPE
The provision limiting discounts for cash, check, or debit card payments was removed, eliminating the 2% cap on such discounts.
TITLE
The bill title was updated to emphasize 'credit cards' and 'surcharge' instead of 'sales transactions' and 'discounts'.
DEFINITION
The definition of 'Seller' was expanded to include technology center school districts and public school districts.
Floor votes · House Mar 12, 2026
How they voted
86–1
Passed · 13 other
Total votes 100
Mar 12, 2026
D
Democratic18
77% Yea
R
Republican82
87% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
17
Key actions
5
Committee
5
Apr 16, 2026
Upper · Passed
Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
upper
Mar 16, 2026
Introduced
First Reading
upper
Mar 16, 2026
Lower · Passed
Engrossed, signed, to Senate
lower
Mar 12, 2026
Committee
Referred for engrossment
lower
Mar 12, 2026
Lower · Passed
Third Reading, Measure and Emergency passed: Ayes: 86 Nays: 1
lower
Feb 25, 2026
Lower · Passed
CR; Do Pass, amended by committee substitute Government Oversight Committee
lower
Feb 11, 2026
Lower · Passed
Policy recommendation to the Government Oversight committee; Do Pass Banking, Financial Services and Pensions
lower
Feb 3, 2026
Committee
Referred to Banking, Financial Services and Pensions
lower
Feb 2, 2026
Introduced
First Reading
lower
2 primary · 0 co-sponsors
Sponsors
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