An Act To Prevent Credit Card Company Unfair Trade Practices
Maine Legislature, Session 125, LD 1251
Committee: Insurance and Financial Services
Sponsors: ROSEN, RECTOR, MALABY

Legislative Document 
No. 1251 
S.P. 372 
In Senate, March 22, 2011 
An Act To Prevent Credit Card Company Unfair Trade Practices 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
JOSEPH G. CARLETON, JR. 
Secretary of the Senate 
Presented by Senator ROSEN of Hancock. 
Cosponsored by Senator: RECTOR of Knox, Representative: MALABY of Hancock. 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1.  10 MRSA c. 205-B is enacted to read: 
CHAPTER 205-B 
CREDIT CARD COMPANY UNFAIR TRADE PRACTICES 
§1210-C.  Prevention of credit card company unfair trade practices 
1.  Definitions.  As used in this chapter, unless the context otherwise indicates, the 
following terms have the following meanings. 
A.  "Electronic payment system" means an entity, other than a national bank, that 
directly or through licensed members, processors or agents provides the proprietary 
services, infrastructure and software that route information and data to facilitate 
transaction authorization, clearance and settlement and that merchants access in order 
to accept a brand of general-purpose credit card, charge card, debit card or 
stored-value card as payment for goods and services. 
B.  "Merchant" means a person or entity doing business in this State that offers goods 
or services for sale in this State. 
2.  Electronic payment systems.  With respect to transactions involving merchants, 
an electronic payment system may not directly or through any agent, processor or 
member of the electronic payment system impose any requirement, condition, penalty or 
fine in a contract with a merchant that: 
A.  Restricts the display of pricing for goods or services for sale by a merchant; 
B.  Inhibits the ability of a merchant to offer its customers a discount or other in-kind 
incentives for using a particular form of payment; 
C.  Inhibits the ability of a merchant to offer its customers a discount or other in-kind 
incentives for using a debit card or credit card of another electronic payment system; 
D.  Prevents a merchant from setting a minimum or maximum dollar value for its 
acceptance of a credit card; 
E.  Inhibits the ability of a merchant to not accept the products of an electronic 
payment system at one or more of its locations; 
F.  Prevents a merchant from not accepting a certain product of an electronic payment 
system based on the fees associated with that product while still accepting other 
products of that electronic payment system; or 
G.  Prevents a merchant from choosing how to route a transaction among any of the 
electronic payment systems authorized to process transactions on the card in 
question. 
3.  Rates.  An electronic payment system may not require, suggest or set maximum 
rates for the fees to be charged by any issuer of its payment cards or any agent, processor 
or member of the electronic payment system for transactions occurring within this State 
unless the issuer, agent, processor or member is the electronic payment system itself and 
not a separate legal entity. 
4.  Penalties.  The following penalties apply to a violation of this chapter. 
A.  An electronic payment system found to have violated a provision of this chapter 
shall reimburse an affected merchant for any penalties or fines related to the 
prohibitions described in this chapter that were collected from the affected merchant, 
whether directly or through an agent, processor or member of the electronic payment 
system, during the period of time the electronic payment system was in violation and 
is liable for a civil penalty of $10,000 per penalty or fine levied for a violation of this 
chapter. 
B.  A merchant whose rights under this chapter have been violated may maintain a 
civil action for damages or equitable relief. 
C.  The Attorney General may maintain a civil action for damages or equitable relief 
pursuant to this section and pursuant to Title 5, chapter 10 for any violation of this 
chapter. 
These penalties do not apply to entities acting exclusively as agents, processors or 
members of electronic payment systems but are not themselves electronic payment 
systems. 
SUMMARY 
This bill prohibits electronic payment systems from imposing certain restrictions on 
merchants relating to the acceptance of credit cards, charge cards, debit cards or other 
stored-value cards as payment for goods and services.