TX HB4061

Prohibits large credit card issuers (with over $85 billion in consolidated assets) and payment card networks from price-fixing swipe fees or using fee schedules established by payment networks or shared with other issuers

Requires credit card issuers to disclose swipe fee amounts on monthly cardholder statements, with compliance required by March 1, 2026

Requires payment card networks to disclose the rate and total amount of swipe fees charged to merchants within 45 days of each transaction

Prohibits charging disputed transaction fees to cardholders or merchants unless a finding of fact determines responsibility and written notification is provided; also prohibits penalizing merchants who offer discounts for cash, debit, or gift card payments

Authorizes the Attorney General to investigate violations and pursue civil penalties ranging from $300,000 for individuals up to $30 million for entities with $500 million or more in assets/market capitalization, with no private cause of action created