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
HR 4395 - The Payment Choice Act of 2021 was recently introduced by U.S. Representative Donald M. Payne, Jr. (D-NJ) and U.S. Representative Chris Smith (R-NJ) with 34 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.
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 will be introduced shortly.
On July 1, 2020 Senate Bill 4145 was introduced by Senator Bob Menendez (D-NJ) and Senator Kevin Cramer (R-ND). This bill is the companion bill for HR 2650 and the coalition will support its passage.