Who is the CCPC?
The Consumer Choice in Payment Coalition (CCPC) is a group of businesses and consumer groups that have come together to advocate for consumer choice and for preserving the right of all consumers to use cash to pay for goods and services in the marketplace.
Join our coalition, because protecting cash protects consumers!
Linda Sherry, Consumer Action
Jason Hollander- Diebold Nixdorf, Inc
Bruce Renard - National ATM Council
Why is Payment Choice Important?
Cashless enterprises lock out millions of unbanked Americans, of all ages, and open consumers to data privacy breaches while dramatically reducing payment options. Citizens who value the anonymity of paying with cash, and who do not want to be burdened by the high rates of interest on credit cards, should have the option to pay with cash.
Maintaining a cash option has already generated widespread public support across the country. Within the past two years, the state of New Jersey, and cities including Washington, D.C. Philadelphia, San Francisco, and New York City all have laws protecting a consumer's right to use cash.
Paying with cash:
is something everyone can do regardless of income or status.
is essential for consumers who don't have bank accounts or credit cards.
provides more privacy than other forms of payment.
limits the risk of data breaches.
helps consumers budget and teach children financial responsibility.
At present, multiple organizations and companies have signed on to the coalition, including:
Please contact us directly if you are interested in joining the movement.
Current Legislative Initiatives
Unfortunately, the 117th Congress ended without the PCA's passage by both houses of Congress. The bill was opposed by a key Senator who prevented its inclusion in any final package passed by Congress. The CCPC is ready to fight again in the 118th Congress so that all consumers will have the choice to use cash in retail establishments. Join our coalition!
On July 14, 2022, the House of Representatives included the Payment Choice Act in en bloc number 5 of the National Defense Authorization Act, which was agreed to by Voice Vote! We’ve got unanimous House support! We will continue to fight to ensure the PCA stays in the final NDAA.
On June 16, 2022 - WE DID IT! In a historic 224-198 bipartisan vote the U.S. House passed the Payment Choice Act! We will continue to fight to move the bill through the US Senate and to the President's desk.
HR 4395 - The Payment Choice Act of 2021 (PCA) was recently introduced by U.S. Representative Donald M. Payne, Jr. (D-NJ) and U.S. Representative Chris Smith (R-NJ) with 41 cosponsors. This is one of the coalition's top priorities. If enacted, the law would prohibit cashless retail establishments and maintain US currency as a viable means of payment for the vast majority of consumer purchases in the US.
UPDATE: On May 18th, 2022 the PCA bill passed out of the House Financial Committee 32-17.
In the last session of Congress, The Payment Choice Act of 2019 (HR-2650) had 56 bipartisan co-sponsors.
H.R. 4395 closely follows popular measures recently adopted at local and state levels, which largely ban cashless policies at brick-and-mortar retail establishments, while not disrupting traditional non-cash payment methods using the internet, phone, and mail.
The Senate companion bill, S. 4497 was introduced on June 27, 2022. Please contact your U.S. Senator to ask that he or she cosponsor this legislation.
The bill was introduced by Senator Bob Menendez (D-NJ) and Senator Kevin Cramer (R-ND). This bill is the companion bill for HR 4395 and the coalition will support its passage.