HB 5744 Connecticut House · 2025 Regular Session

AN ACT PROHIBITING CERTAIN BUSINESS CONDUCT REGARDING STORAGE OF CONSUMERS' CREDIT CARD AND DEBIT CARD INFORMATION.

HB 5744 prohibits businesses from requiring consumers to authorize the storage of their credit or debit card information as a condition for entering into or renewing a consumer agreement (like subscriptions). It allows temporary storage only for processing a specific payment when the consumer voluntarily provides card details for that transaction. The law directly affects businesses that sell goods or services to consumers, aiming to prevent mandatory storage of card data. It takes effect on October 1, 2025, and violations would be treated as unfair trade practices under existing law.

Issues: ✓ Technology

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2025

Committee Review

Floor Vote

Governor

Introduced Jan 21, 2025 Last action Feb 14, 2025

Maddy AI version diff · 1 comparison

What changed between versions

Proposed Bill → Committee Bill · 7 edits

MODERATE

The bill was renumbered from a Proposed Bill to a Committee Bill, indicating it has been reviewed and amended by the legislative committee. The title was changed to more accurately reflect that it prohibits businesses from requiring consumers to authorize storage of credit and debit card information, rather than just prohibiting mandatory card-on-file and automatic payment agreements. The bill now includes detailed definitions for key terms and clarifies exceptions for temporary storage needed to process payments.

Scope change

The bill's scope was clarified to specifically address storage of credit and debit card information rather than broader automatic payment agreements, with added definitions and exceptions for legitimate payment processing needs.

TITLE

Title changed from 'PROHIBITING MANDATORY CARD-ON-FILE AND AUTOMATIC PAYMENT AGREEMENTS' to 'PROHIBITING CERTAIN BUSINESS CONDUCT REGARDING STORAGE OF CONSUMERS' CREDIT CARD AND DEBIT CARD INFORMATION' to better reflect the actual content.

DEFINITION

Added nine new definitions including 'Automatic renewal provision', 'Business', 'Consumer', 'Consumer agreement', 'Consumer good', 'Consumer service', 'Continuous services provision', 'Credit card', and 'Debit card'.

REQUIREMENT

Added specific provisions prohibiting businesses from requiring authorization to store card information as a precondition to entering agreements or for automatic renewal purposes.

EXCEPTIONS

Added exception allowing temporary storage of card information for processing payments when consumers voluntarily submit information for specific goods or services.

ENFORCEMENT

Added provision designating violations as unfair or deceptive trade practices under existing consumer protection statutes.

TIMELINE

Added effective date of October 1, 2025, and authority for Commissioner of Consumer Protection to adopt implementing regulations.

TECHNICAL

Changed bill number from LCO No. 2566 to LCO No. 4615 and added co-sponsor information.

Floor votes

How they voted

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Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 13, 2025

Committee

REF. TO JOINT COMM. ON General Law

lower

Feb 11, 2025

Lower · Passed

DRAFTED BY COMMITTEE

lower

Jan 21, 2025

Committee

REF. TO JOINT COMM. ON General Law

lower

2 primary · 0 co-sponsors