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S.B. 67 Enrolled

             1     

CONSUMER PROTECTION REVISIONS

             2     
2013 GENERAL SESSION

             3     
STATE OF UTAH

             4     
Chief Sponsor: Curtis S. Bramble

             5     
House Sponsor: Keven J. Stratton

             6     
             7      LONG TITLE
             8      General Description:
             9          This bill prohibits sellers from imposing a surcharge on a transaction paid for with a
             10      credit card.
             11      Highlighted Provisions:
             12          This bill:
             13          .    defines terms;
             14          .    prohibits sellers from imposing a surcharge on a transaction for $10,000 or less that
             15      is paid for with a credit card;
             16          .    repeals the provisions in this bill related to credit card surcharges on June 30, 2014,
             17      subject to sunset review; and
             18          .    makes technical changes.
             19      Money Appropriated in this Bill:
             20          None
             21      Other Special Clauses:
             22          None
             23      Utah Code Sections Affected:
             24      AMENDS:
             25          63I-1-213, as last amended by Laws of Utah 2011, Chapter 15
             26      ENACTS:
             27          13-38a-101, Utah Code Annotated 1953
             28          13-38a-201, Utah Code Annotated 1953
             29          13-38a-202, Utah Code Annotated 1953


             30          13-38a-301, Utah Code Annotated 1953
             31          13-38a-302, Utah Code Annotated 1953
             32      RENUMBERS AND AMENDS:
             33          13-38a-102, (Renumbered from 13-38-101, as enacted by Laws of Utah 2003, Chapter
             34      9)
             35          13-38a-203, (Renumbered from 13-38-102, as enacted by Laws of Utah 2003, Chapter
             36      9)
             37     
             38      Be it enacted by the Legislature of the state of Utah:
             39          Section 1. Section 13-38a-101 is enacted to read:
             40     
CHAPTER 38a. FINANCIAL TRANSACTION CARD PROTECTION ACT

             41     
Part 1. General Provisions

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


             58          [(ii)] (b) "Financial transaction card" includes:
             59          [(A)] (i) a credit card;
             60          [(B)] (ii) a credit plate;
             61          [(C)] (iii) a bank services card;
             62          [(D)] (iv) a banking card;
             63          [(E)] (v) a check guarantee card;
             64          [(F)] (vi) a debit card;
             65          [(G)] (vii) a telephone credit card; and
             66          [(H)] (viii) a device for access as defined in Section 7-16a-102 .
             67          [(c)] (2) "Receipt" means any document related to the transaction of business provided
             68      to a person that uses a financial transaction card.
             69          [(2) A person that accepts a financial transaction card for the transaction of business
             70      may not, on a financial transaction card receipt:]
             71          [(a) print more than the last five digits of the financial transaction card account
             72      number; or]
             73          [(b) print the financial transaction card expiration date.]
             74          [(3) (a) This section applies only to receipts that are electronically printed.]
             75          [(b) This section does not apply to transactions in which the initial means of recording
             76      the financial transaction card number is by:]
             77          [(i) handwriting; or]
             78          [(ii) an imprint or copy of the financial transaction card.]
             79          (3) (a) "Seller" means a person that accepts payment by a financial transaction card.
             80          (b) "Seller" does not include:
             81          (i) a government entity; or
             82          (ii) a person acting on behalf of a government entity.
             83          (4) (a) "Surcharge" means an additional charge added to a transaction paid for by using
             84      a credit card, but not added to a transaction paid for by a means other than a credit card.
             85          (b) "Surcharge" does not include:


             86          (i) an exclusion from a discount that is offered on transactions paid for by means other
             87      than a credit card;
             88          (ii) a fee charged by a credit card company for use of a credit card; or
             89          (iii) a fee authorized under Section 7-16a-202 .
             90          Section 3. Section 13-38a-201 is enacted to read:
             91     
Part 2. Financial Transaction Card Receipts

             92          13-38a-201. Title.
             93          This part is known as "Financial Transaction Card Receipts."
             94          Section 4. Section 13-38a-202 is enacted to read:
             95          13-38a-202. Limitation on information contained in receipts.
             96          (1) A person that accepts a financial transaction card for the transaction of business
             97      may not, on a financial transaction card receipt:
             98          (a) print more than the last five digits of the financial transaction card account number;
             99      or
             100          (b) print the financial transaction card expiration date.
             101          (2) (a) This section applies only to receipts that are electronically printed.
             102          (b) This section does not apply to transactions in which the initial means of recording
             103      the financial transaction card number is by:
             104          (i) handwriting; or
             105          (ii) an imprint or copy of the financial transaction card.
             106          Section 5. Section 13-38a-203 , which is renumbered from Section 13-38-102 is
             107      renumbered and amended to read:
             108           [13-38-102].     13-38a-203. Private action.
             109          (1) A person may bring an action in any state court of competent jurisdiction against a
             110      person that violates any of the requirements of this chapter.
             111          (2) In an action under Subsection (1), a person may:
             112          (a) recover the amount of any actual damages caused by the violation of this chapter;
             113          (b) recover court costs and reasonable attorney fees as determined by the court; and


             114          (c) seek to enjoin conduct in violation of this chapter.
             115          Section 6. Section 13-38a-301 is enacted to read:
             116     
Part 3. Credit Card Surcharges

             117          13-38a-301. Title.
             118          This part is known as "Credit Card Surcharges."
             119          Section 7. Section 13-38a-302 is enacted to read:
             120          13-38a-302. Credit card surcharges prohibited.
             121          (1) A seller may not impose a surcharge on a transaction for $10,000 or less that is paid
             122      for by using a credit card.
             123          (2) This section does not prohibit a seller from offering a discount on a transaction that
             124      is paid for with a credit card that:
             125          (a) is issued by the seller or an entity that is affiliated with the seller; or
             126          (b) bears the seller's service mark or trademark.
             127          Section 8. Section 63I-1-213 is amended to read:
             128           63I-1-213. Repeal dates, Title 13.
             129          (1) Subsections 13-38a-102 (3) and 13-38a-102 (4) are repealed June 30, 2014.
             130          (2) Sections 13-38a-301 and 13-38a-302 are repealed June 30, 2014.
             131          (3) Title 13, Chapter 16, Motor Fuel Marketing Act, is repealed July 1, 2012.


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