Consumer Credit Code; allowing the Department of Career and Technology Education to charge service fees for certain transactions; effective date.
HB 3028 amends Oklahoma's Consumer Credit Code to prohibit businesses from charging credit card surcharges exceeding 2% of a transaction or the actual processing fee. It allows businesses to offer discounts for cash, check, or debit payments but bans extra fees for using credit cards. The bill specifically permits technology center school districts, public schools, municipalities, and similar entities to charge service fees limited to bank processing costs, secure transaction expenses, and necessary bandwidth fees. These rules apply to all in-person, online, and phone transactions and take effect November 1, 2026.
Bill status
passed
3 of 5 stages cleared
Introduction
Feb 2026
Committee Review
Mar 2026
House Passage
Mar 2026
Senate Passage
Governor
Introduced Feb 2, 2026
Last action Apr 1, 2026
Maddy AI version diff · 4 comparisons
What changed between versions
House Committee Substitute
→
Floor (House)
·
3 edits
MINOR
The bill text was reformatted from a 'Committee Substitute' version to the official 'Floor Version' for the House. While the core legal text regarding credit card surcharges and service fees remains substantively identical, the header information was updated to reflect the current legislative stage, and page footers were changed to include specific floor version identifiers.
Scope change
No substantive change to the bill's scope, applicability, or legal requirements; the change is purely procedural and formatting-related.
TECHNICAL
Updated the document title and header to indicate this is the 'House of Representatives - Floor Version' instead of the 'Committee Substitute'.
Removed the 'Committee Substitute' label from the act description and replaced it with the floor version identifier.
Changed page footers from 'Req. No. 17069' to 'HB3028 HFLR' to match the floor version numbering.
Floor votes · House Mar 16, 2026
How they voted
83–6
Passed · 11 other
Total votes 100
Mar 16, 2026
D
Democratic18
94% Yea
R
Republican82
80% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
14
Key actions
4
Committee
4
Mar 17, 2026
Introduced
First Reading
upper
Mar 17, 2026
Lower · Passed
Engrossed, signed, to Senate
lower
Mar 16, 2026
Committee
Referred for engrossment
lower
Mar 16, 2026
Lower · Passed
Third Reading, Measure passed: Ayes: 82 Nays: 6
lower
Mar 9, 2026
Lower · Passed
CR; Do Pass, amended by committee substitute Government Oversight Committee
lower
Feb 12, 2026
Lower · Passed
Policy recommendation to the Government Oversight committee; Do Pass, amended by committee substitute Banking, Financial Services and Pensions
lower
Feb 3, 2026
Committee
Referred to Banking, Financial Services and Pensions
lower
Feb 2, 2026
Introduced
First Reading
lower
2 primary · 0 co-sponsors
Sponsors
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