AZ HB2768

Prohibits payment card networks from charging interchange fees calculated as a percentage of transaction amounts that include state or local taxes, applying to issuers with over $50 billion in consolidated assets.

Requires payment card networks to disclose fee schedule changes to the Attorney General and public at least 90 days before implementation, with violations constituting unlawful practices.

Caps interchange fees on charitable contributions at 0.2% for debit cards and 0.3% for credit cards.

Establishes chargeback protections requiring disputes to be resolved by an identified individual before finalization, with written notice to consumers or merchants, and prohibits related fees in certain circumstances.

Imposes civil penalties up to $1,000 per violating transaction, with the Attorney General authorized to seek injunctive relief and restitution; effective December 31, 2026.