NY S03694

Prohibits New York City agencies and departments from imposing surcharges on credit or debit card payments for fines, civil penalties, or fees.

Allows agencies to charge reasonable fees that do not exceed actual costs incurred for credit card transactions, including fees paid to financing agencies.

Removes "fine" and "civil penalty" from the list of payments eligible for cost-recovery fees under existing law, limiting cost-recovery fees to taxes, rent, rates, and charges.

Defines key terms including "holder" (cardholder), "credit card," "debit card," "issuer," and "person" for purposes of the prohibition.

Takes effect 90 days after becoming law.