Oklahoma legislation · 2026 Regular Session
Oklahoma HB3041: Credit cards; discounts inducing payment by cash, check or similar means; setting maximum surcharge; effective date; emergency.
Status: In committee, April 22, 2026
What the bill says
An Act relating to credit cards; amending 14A O.S. 2021, Section 2-211, as amended by Section 1, Chapter 410, O.S.L. 2025 (14A O.S. Supp. 2025, Section 2211), which relates to discounts inducing payment by cash, check, or similar means; setting the maximum surcharge amount for a credit card; requiring certain payment to be the greater of a certain amount; updating statutory language; providing an effective date; and declaring an emergency.
From the engrossed text, April 20, 2026:
An Act relating to credit cards; amending 14A O.S. 2021, Section 2-211, as amended by Section 1, Chapter 410, O.S.L. 2025 (14A O.S. Supp. 2025, Section 2211), which relates to discounts inducing payment by cash, check, or similar means; setting the maximum surcharge amount for a credit card; requiring certain payment to be the greater of a certain amount; updating statutory language; providing an effective date; and declaring an emergency. BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA: SECTION 1. AMENDATORY 14A O.S. 2021, Section 2-211, as amended by Section 1, Chapter 410, O.S.L. 2025 (14A O.S. Supp. 2025, Section 2-211), is amended to read as follows: Section 2-211. A. With respect to all sales, service, and lease transactions including, but not limited to, any consumer credit sales transaction, a discount which a seller offers, allows, or otherwise makes available for the purpose of inducing payment by cash, check, debit card, or similar means rather than by use of a credit card shall not constitute a credit service charge as determined under Section 2-109 of this title if the discount is SENATE FLOOR VERSION - HB3041 SFLR Page (Bold face denotes Committee Amendments) offe red to all prospective buyers clearly and conspicuously in accordance with regulations of the Administrator of Consumer Credit. There shall be no limit …
Sponsors
- Emily Gise (R, HD-090)
- West (R) · primary sponsor
Latest actions
- : Coauthored by Representative Gise
- : Placed on General Order
- : Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
- : Second Reading referred to Business and Insurance
- : First Reading
- : Engrossed, signed, to Senate
- : Referred for engrossment
- : Third Reading, Measure and Emergency passed: Ayes: 86 Nays: 1
- : General Order
- : Emergency added
Votes
- Senate Business & Insurance Committee (April 16, 2026): 5 yea, 4 nay, passed
- Third Reading (March 12, 2026): 86 yea, 1 nay, passed
- Floor Vote (February 24, 2026): 19 yea, 0 nay, passed
- Floor Vote (February 10, 2026): 9 yea, 0 nay, passed
Subjects: Consumer Credit, Commercial Code
Common questions
- What is HB3041?
- HB3041 is a bill in the Oklahoma Legislature (2026 Regular Session): Credit cards; discounts inducing payment by cash, check or similar means; setting maximum surcharge; effective date; emergency.
- What does HB3041 do?
- In its own words: An Act relating to credit cards; amending 14A O.S. 2021, Section 2-211, as amended by Section 1, Chapter 410, O.S.L. 2025 (14A O.S. Supp. 2025, Section 2211), which relates to discounts inducing payment by cash, check, or similar means; setting the maximum surcharge amount for a credit card; requiring certain payment to be the greater of a certain amount; updating statutory language; providing an effective date; and declaring an emergency.
- What is the status of HB3041?
- In committee as of April 22, 2026. Latest action: Coauthored by Representative Gise (April 22, 2026).
- Who sponsored HB3041?
- West (R), with 1 co-sponsor.
- Where is the official record for HB3041?
- On the Oklahoma Legislature website: https://www.oklegislature.gov/BillInfo.aspx?Bill=HB3041&Session=2600
Source: official Oklahoma record. Tracked by Delilah, AI for legislation across all 50 states and Congress.