Fair Payment Protection Act; create.

HB 1095, the "Fair Payment Protection Act," bans businesses from adding extra fees (surcharges) for using credit or debit cards. Instead, businesses may offer discounts for cash, check, or debit card payments - but must clearly disclose these discounts in-store, online, or verbally before transactions. The law applies to all businesses (retailers, service providers, etc.) and defines key terms like "surcharge" and "transaction" to prevent deceptive practices. Violations would be considered unfair trade practices, subjecting businesses to $500 civil penalties per violation.