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Changes to Credit Card Laws in Texas
Friday, April 21, 2017 6:30 AM

Two bills regarding credit cards have been passed by the Senate and move to the House for consideration.

Merchants Allowed to Ask for Photo ID with Credit Cards
SB 1381 by Sen. Bryan Hughes (R-Mineola) would permit merchants to require a photo ID from someone attempting to use a credit card or debit card and allow the merchant to deny the transaction for failure to present the requested ID.

Authority to Enforce Surcharge Prohibitions Moved to Attorney General
Current law in Texas prohibits a merchant from imposing a surcharge for use of a credit, debit, or stored-value card, with surcharge prohibitions enforced by different agencies. SB 560 by Sen. Kelly Hancock (R-Flower Mound) transfers a provision of the finance code to business and commerce code for the surcharge prohibition of debit and credit cards, moving enforcement from the Office of Consumer Credit Commissioner to the attorney general or county prosecuting attorney.

For more information, please contact Texas Credit Union Association President Jeff Huffman at 469-385-6488 or