HI HB1585

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

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

Permits financial institutions to charge transaction processing fees for automated cash machine withdrawals, but prohibits surcharges on debit card use for such withdrawals.

Defines "surcharge" as any additional amount imposed at the point of sale that increases the buyer's charge for card use, excluding allowable finance charges under existing law.

Adds a new definition of "debit card" to include cards linked to financial institution accounts, prepaid cards, and other means of accessing prepaid funds for electronic transfers and purchases.