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Bill

HB 4610

Relating to requiring the acceptance of cash payments by retailers in certain transactions.

89th Legislature (2025) Introduced by Caroline Harris Davila

Texas bill requires retailers to accept cash payments in-person, protecting unbanked consumers but imposing compliance costs on businesses.

Referred to Pensions, Investments & Financial Services
#business&commerce--general(i0050) #currency&currencyexchange(s0335)
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Bill Summary · HB 4610

Legislative bill overview

HB 4610 would require retailers in Texas to accept cash as a payment method for in-person transactions, with limited exceptions. The bill addresses the growing trend of cashless businesses by mandating physical currency acceptance at the point of sale.

Why is this important

As more businesses move toward digital-only payments, this bill protects consumers who rely on cash, lack access to banking services, or prefer cash for privacy or budgeting reasons. It also addresses equity concerns, since unbanked and underbanked populations—disproportionately low-income and elderly Texans—may face barriers accessing goods and services in cashless environments.

Potential points of contention

  • Business operational burden: Retailers argue cash handling increases labor costs, security risks, and accounting complexity, potentially disadvantaging small businesses
  • Scope and exceptions: Defining which retailers and transaction types must comply (online sales, drive-throughs, etc.) and what legitimate exceptions exist remains contentious
  • Federal currency authority: Questions arise about whether states can regulate how federal currency is accepted, and whether this duplicates existing Federal Reserve guidelines

Compiled from official sources — confirm details with the bill’s official record.

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