HI HB1585

Prohibits sellers and card issuers from imposing surcharges on customers who elect to pay with credit cards, charge cards, or debit cards instead of cash or checks.

Allows sellers to offer discounts for cash or non-card payments without such discounts being classified as finance charges, provided the discount is offered clearly and conspicuously to all buyers.

Permits transaction processing fees charged by automated teller machine owners at the time of withdrawal, but prohibits financial institutions from imposing surcharges for debit card use at ATMs.

Defines "debit card" to include cards issued by financial institutions linked to accounts, prepaid cards, and other means of accessing prepaid funds that can be used for electronic transfers.

Amends the definition of "finance charge" to exclude surcharges on card transactions and ATM transaction processing fees from being classified as finance charges under consumer credit laws.