Illinois SB 1931: CONSUMER FRAUD-CARD SURCHARGES

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB1931

Introduced 2/6/2025, by Sen. Suzy Glowiak Hilton 

SYNOPSIS AS INTRODUCED:

815 ILCS 505/2HHHH new

 Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for a person to impose a credit card or charge card surcharge on any transaction unless that person also accepts cash as a form of payment for all transactions under $1,000. Provides that nothing prohibits a person from offering a discount on a transaction to induce payment by cash, check, debit card, or similar means, rather than payment by charge card or credit card. Defines terms.

LRB104 10201 SPS 20275 b

A BILL FOR

SB1931LRB104 10201 SPS 20275 b

1 AN ACT concerning business.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Consumer Fraud and Deceptive Business 

5Practices Act is amended by adding Section 2HHHH as follows:

6 (815 ILCS 505/2HHHH new)

7 Sec. 2HHHH. Surcharges; charge cards and credit cards.

8 (a) As used in this Section:

9 "Charge card" means any card, device, or instrument that 

10may be used by the holder to facilitate a transaction and is 

11issued, with or without a fee, to the holder and requires the 

12holder to pay the full outstanding balance due on the card, 

13device, or instrument at the end of each standard billing 

14cycle established by the issuer of the card, device, or 

15instrument. "Charge card" includes, but is not limited to, any 

16software application that is used to store a digital form of 

17the card, device, or instrument.

18 "Credit card" means any card, device, or instrument that 

19may be used by the holder to facilitate a transaction tha