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Guides & resources

Act 751 (formerly SB 254), explained one topic at a time

Senate Bill 254 was signed into law on June 2, 2026 as Act 751 — same law, new name. Short, plain-English guides for Louisiana business owners working out what the debit-surcharge ban means for them now that it is in effect (August 1, 2026).

Overview

What Louisiana SB 254 Means for Your Business

The one-page version: what the law bans, who it covers, and why it matters now that it's in force.

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Pricing

Cash Discount vs. Surcharge: What's the Difference?

How the two pricing models differ - and why that distinction is exactly what SB 254 turns on.

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Compliance

PIN Debit vs. Signature Debit - Why It Matters for Compliance

A debit card is debit either way. Here's the routing trap that catches "credit-only" surcharge programs.

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Pricing

Is Cash Discounting Still Legal in Louisiana?

Yes - with conditions. What a genuine cash discount has to look like to stay on the right side of the law.

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Action plan

What Louisiana Businesses Need to Do Before August 1, 2026

A conceptual checklist for getting ahead of the deadline - without waiting for a complaint to find you.

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For customers

Charged a Debit-Card Fee? What You Can Do

The AG's hotline and complaint form, what proof you need, and a free written notice that starts the 30-day refund clock.

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For customers

Is It Legal to Charge a Debit-Card Fee in Louisiana?

No - not since August 1, 2026. What the ban covers, what's still legal, and what to do when a business charges the fee anyway.

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For customers

Can You Get a Refund for a Debit-Card Fee?

Yes - the law built in a refund path. How a written notice starts the 30-day clock for the business to pay you back.

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For customers

How to Spot an Illegal Debit-Card Fee on Your Receipt

The labels, the "ran as credit" trap, the cash-discount disguises - and the proof a complaint needs.

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From reading to knowing

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