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S.B. 67

             1     

CONSUMER PROTECTION REVISIONS

             2     
2013 GENERAL SESSION

             3     
STATE OF UTAH

             4     
Chief Sponsor: Curtis S. Bramble

             5     
House Sponsor: ____________

             6     
             7      LONG TITLE
             8      General Description:
             9          This bill prohibits sellers from imposing a surcharge on a transaction paid for with a
             10      financial transaction card.
             11      Highlighted Provisions:
             12          This bill:
             13          .    defines terms;
             14          .    prohibits sellers from imposing a surcharge on a transaction paid for with a financial
             15      transaction card; and
             16          .    makes technical changes.
             17      Money Appropriated in this Bill:
             18          None
             19      Other Special Clauses:
             20          None
             21      Utah Code Sections Affected:
             22      ENACTS:
             23          13-38a-101, Utah Code Annotated 1953
             24          13-38a-201, Utah Code Annotated 1953
             25          13-38a-202, Utah Code Annotated 1953
             26          13-38a-301, Utah Code Annotated 1953
             27          13-38a-302, Utah Code Annotated 1953

             28      RENUMBERS AND AMENDS:
             29          13-38a-102, (Renumbered from 13-38-101, as enacted by Laws of Utah 2003, Chapter
             30      9)
             31          13-38a-203, (Renumbered from 13-38-102, as enacted by Laws of Utah 2003, Chapter
             32      9)
             33     
             34      Be it enacted by the Legislature of the state of Utah:
             35          Section 1. Section 13-38a-101 is enacted to read:
             36     
CHAPTER 38a. FINANCIAL TRANSACTION CARD PROTECTION ACT

             37     
Part 1. General Provisions

             38          13-38a-101. Title.
             39          (1) This chapter is known as the "Financial Transaction Card Protection Act."
             40          (2) This part is known as "General Provisions."
             41          Section 2. Section 13-38a-102 , which is renumbered from Section 13-38-101 is
             42      renumbered and amended to read:
             43           [13-38-101].     13-38a-102. Definitions -- Financial transaction card receipt
             44      requirements.
             45          [(1)] As used in this chapter:
             46          [(a) "Division" means the Division of Consumer Protection in the Department of
             47      Commerce.]
             48          [(b) (i)] (1) (a) "Financial transaction card" means any card, code, or other means of
             49      access to a person's account issued to a person that allows the person to obtain, purchase, or
             50      receive any of the following:
             51          [(A)] (i) goods;
             52          [(B)] (ii) services;
             53          [(C)] (iii) money; or
             54          [(D)] (iv) anything else of value.
             55          [(ii)] (b) "Financial transaction card" includes:
             56          [(A)] (i) a credit card;
             57          [(B)] (ii) a credit plate;
             58          [(C)] (iii) a bank services card;

             59          [(D)] (iv) a banking card;
             60          [(E)] (v) a check guarantee card;
             61          [(F)] (vi) a debit card;
             62          [(G)] (vii) a telephone credit card; and
             63          [(H)] (viii) a device for access as defined in Section 7-16a-102 .
             64          [(c)] (2) "Receipt" means any document related to the transaction of business provided
             65      to a person that uses a financial transaction card.
             66          [(2) A person that accepts a financial transaction card for the transaction of business
             67      may not, on a financial transaction card receipt:]
             68          [(a) print more than the last five digits of the financial transaction card account
             69      number; or]
             70          [(b) print the financial transaction card expiration date.]
             71          [(3) (a) This section applies only to receipts that are electronically printed.]
             72          [(b) This section does not apply to transactions in which the initial means of recording
             73      the financial transaction card number is by:]
             74          [(i) handwriting; or]
             75          [(ii) an imprint or copy of the financial transaction card.]
             76          (3) "Seller" means a person that accepts payment by a financial transaction card.
             77          (4) "Surcharge" means an additional charge, or exclusion from a discount, that results
             78      in the total cost of a transaction exceeding what the total cost would be if the transaction was
             79      paid for using a means other than a financial transaction card.
             80          Section 3. Section 13-38a-201 is enacted to read:
             81     
Part 2. Financial Transaction Card Receipts

             82          13-38a-201. Title.
             83          This part is known as "Financial Transaction Card Receipts."
             84          Section 4. Section 13-38a-202 is enacted to read:
             85          13-38a-202. Limitation on information contained in receipts.
             86          (1) A person that accepts a financial transaction card for the transaction of business
             87      may not, on a financial transaction card receipt:
             88          (a) print more than the last five digits of the financial transaction card account number;
             89      or

             90          (b) print the financial transaction card expiration date.
             91          (2) (a) This section applies only to receipts that are electronically printed.
             92          (b) This section does not apply to transactions in which the initial means of recording
             93      the financial transaction card number is by:
             94          (i) handwriting; or
             95          (ii) an imprint or copy of the financial transaction card.
             96          Section 5. Section 13-38a-203 , which is renumbered from Section 13-38-102 is
             97      renumbered and amended to read:
             98           [13-38-102].     13-38a-203. Private action.
             99          (1) A person may bring an action in any state court of competent jurisdiction against a
             100      person that violates any of the requirements of this chapter.
             101          (2) In an action under Subsection (1), a person may:
             102          (a) recover the amount of any actual damages caused by the violation of this chapter;
             103          (b) recover court costs and reasonable attorney fees as determined by the court; and
             104          (c) seek to enjoin conduct in violation of this chapter.
             105          Section 6. Section 13-38a-301 is enacted to read:
             106     
Part 3. Financial Transaction Card Surcharges

             107          13-38a-301. Title.
             108          This part is known as "Financial Transaction Card Surcharges."
             109          Section 7. Section 13-38a-302 is enacted to read:
             110          13-38a-302. Financial transaction card surcharges prohibited.
             111          A seller may not impose a surcharge on a transaction paid for with a financial
             112      transaction card.




Legislative Review Note
    as of 2-6-13 1:57 PM

Office of Legislative Research and General Counsel

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