S 10055 NY
Prohibits certain surcharges on credit or debit card transactions
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Summary
This act prohibits New York City agencies, departments, and tribunals from imposing surcharges on credit or debit card payments for fines, civil penalties, and fees owed to the city. The act provides that holders of credit or debit cards cannot be charged a surcharge when electing to pay fines, civil penalties, or fees using a card instead of cash, check, or similar payment methods. The act defines key terms including holder, credit card, and debit card. The act takes effect ninety days after it becomes law.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Official abstract
Prohibits certain surcharges on certain credit or debit card transactions in the city of New York; provides that no agency or department of the city of New York, or any tribunal located therein, shall be authorized to impose a surcharge on a holder who elects to use a credit or debit card in lieu of payment by cash, check, or similar means to pay any fine, civil penalty, or fee owed.
Sponsor (1)
- Sam Sutton Democratic · primary
1 coauthor / cosponsor
- Jessica Ramos Democratic · cosponsor
Action history (2)
- Apr 24, 2026 REFERRED TO CITIES 1 · upper
- May 14, 2026 REPORTED AND COMMITTED TO FINANCE · upper
Text versions (2)
Full text
Full text imported from assembly.state.ny.us
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Bill No.: Summary Actions Committee Votes Floor Votes Memo Text LFIN Chamber Video/Transcript S10055 Summary: BILL NO S10055   SAME AS SAME AS A00111
  SPONSOR SUTTON   COSPNSR RAMOS   MLTSPNSR   Amd §11-105, NYC Ad Cd   Prohibits certain surcharges on certain credit or debit card transactions in the city of New York; provides that no agency or department of the city of New York, or any tribunal located therein, shall be authorized to impose a surcharge on a holder who elects to use a credit or debit card in lieu of payment by cash, check, or similar means to pay any fine, civil penalty, or fee owed.
Go to top S10055 Text:
STATE OF NEW YORK ________________________________________________________________________
10055
IN SENATE
April 24, 2026 ___________
Introduced by Sen. SUTTON -- read twice and ordered printed, and when printed to be committed to the Committee on Cities 1
AN ACT to amend the administrative code of the city of New York, in relation to prohibiting certain surcharges on credit or debit card transactions
The People of the State of New York, represented in Senate and Assem- bly, do enact as follows:
1 Section 1. Subdivision 3 of section 11-105 of the administrative code 2 of the city of New York, as amended by chapter 309 of the laws of 1996, 3 is amended and a new subdivision 4 is added to read as follows: 4 3. Notwithstanding any other provision of law to the contrary except 5 for subdivision four of this section , any agency or department of the 6 city which, pursuant to an agreement entered into under this section, 7 accepts credit cards as a means of payment of fines, civil penalties, 8 taxes, fees, rent, rates, charges or other amounts owed by a person to 9 the city shall be authorized to charge and collect from any person 10 offering a credit card as a means of payment of a fine a reasonable and 11 uniform fee as a condition of accepting such credit card in payment of a 12 [ fine, civil penalty, ] tax, [ fee, ] rent, rate, charge or other amount. 13 Such fee shall not exceed the cost incurred by the agency or department 14 in connection with such credit card transaction, which cost shall 15 include any fee payable by the city to the financing agency. 16 4. Notwithstanding any law to the contrary, no agency or department of 17 the city, or any tribunal located therein, shall be authorized to impose 18 a surcharge on a holder who elects to use a credit or debit card in lieu 19 of payment by cash, check, or similar means to pay any fine, civil 20 penalty, or fee owed. For the purposes of this subdivision, the follow- 21 ing definitions shall apply: 22 a. "Holder" means a person to whom such a credit card or debit card is 23 issued or who has agreed with the issuer to pay obligations arising from 24 the use of a credit card or debit card issued to another person. 25 b. "Person" includes an individual, corporation, partnership or asso- 26 ciation, two or more persons having a joint or common interest or any 27 other legal or commercial entity.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD00808-01-5
S. 10055 2
1 c. "Issuer" means a person who issues a credit card or a debit card. 2 d. "Credit card" means and includes any credit card, credit plate, 3 charge plate, courtesy card, or other identification card or device 4 issued by a person to another person which may be used to obtain a cash 5 advance or a loan or credit or to purchase or lease property or services 6 on the credit of the issuer or of the holder. 7 e. "Debit card" means a card, plate or other similar device issued a 8 person to another person which may be used, without a personal identifi- 9 cation number, code or similar identification number, code or similar 10 identification, to purchase or lease property or services. The term does 11 not include a credit card or a check, draft or similar instrument. 12 § 2. This act shall take effect on the ninetieth day after it shall 13 have become a law.
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