Payment Choice Act of 2025

Small businesses must accept cash and handle physical money, increasing operational complexity but potentially attracting more customers.

Individuals with vision impairments may find cash easier than digital payments, though handling bills and coins can still be challenging.

Immigrants without U.S. bank accounts can still shop at stores using cash, ensuring access to essential goods and services.

Undocumented individuals who cannot open bank accounts retain the ability to make purchases with cash at physical stores.

Retirees who prefer cash over credit cards or don't use digital payment apps can continue shopping at all stores.

Students without credit cards or bank accounts can use cash for purchases at campus stores and local businesses.

Homeowners can pay cash at hardware stores and home improvement retailers without being turned away.

People with criminal records who may be denied bank accounts can still participate in the economy using cash.

People with cognitive disabilities who find digital payments confusing can use the familiar, tangible option of cash.

Individuals managing mental health conditions who prefer cash for budgeting can continue using this payment method everywhere.