Credit sales; requiring certain actions from sellers when imposing a surcharge on certain transactions. Effective date.

Header changed from 'COMMITTEE SUBSTITUTE' to 'ENGROSSED SENATE BILL NO. 351' with updated sponsor attribution and session information.

Page footer text changed from 'Req. No. 1701' to 'SB351 HFLR' with updated amendment notation.

Minor spacing and indentation adjustments throughout the document text.

Some subsection lettering appears to have been reformatted (e.g., 'B. C.' instead of 'C.') but substantive content remains the same.

Added page headers and formatting elements including 'STATE OF OKLAHOMA', '1st Session of the 60th Legislature (2025)', and page numbers throughout the document.

Added 'COMMITTEE SUBSTITUTE' designation and related formatting to distinguish this version from the original engrossed bill.

Reorganized line numbers and formatting to reflect committee substitute markup conventions, though the actual legislative text remains substantively identical.

Changed from prohibiting surcharges to allowing merchants to pass on processing fees or impose surcharges for credit/debit card use instead of cash, check, or similar payment methods.

Added requirement that any surcharge or fee passed on must be listed as a separate line item on receipts and cannot exceed the total of bank processing fees, financial transaction fees, secure transaction costs, portal fees, and bandwidth costs.

Added requirement that sellers providing discounts not in accordance with regulations must disclose such information to the Administrator of Consumer Affairs Credit.

Modified the definition of 'surcharge' to include increasing the regular or advertised price to cardholders, not just the regular price.

Modified the definition of 'debit card' to clarify it applies to instruments issued with or without fee for depositing, obtaining, or transferring funds from consumer banking electronic facilities.

Expanded eligibility for charging service fees to include both online and in-person transactions, whereas previously it was limited to online transactions.