Louisiana payments and fintech laws

What Louisiana has enacted on payments and fintech, what each law requires, and what the bills still moving would do. Louisiana is one of 42 states that enacted a payments and fintech law in the 2025 and 2026 sessions.

Bills in scope
12bills in scope
Past committee
9past committee
Most recent action
23 June 2026most recent action

Payments and fintech laws enacted in Louisiana

8 payments and fintech laws enacted in the Louisiana Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • SB 163COMMERCIAL REGULATIONS: Provides relative to the licensing and regulation of virtual currency businesses. (8/1/26)Enacted 23 June 2026

    Virtual currency and crypto kiosks

  • HB 1230COMMERCIAL REGULATIONS: Provides relative to the Louisiana Money Transmission ActTook effect 1 July 2026

    Money transmission and licensing

  • HB 308PUBLIC FACILITIES: Requires acceptance of cash for certain transactions at state-owned stadium facilities (EN INCREASE SG EX See Note)Enacted 2 June 2026

    What it requires: Each entity owning a state-owned stadium facility must accept cash payment for any transaction involving purchase of goods or services if the customer is physically present and the facility accepts other payment forms. Entities may satisfy this requirement through a cash-to-kiosk system. No fees or conditions may be imposed on cash acceptance.

    Card surcharges and payment fees

  • SB 254CREDIT: Provides relative to surcharges for debit card use. (8/1/26)Enacted 2 June 2026

    Card surcharges and payment fees

  • SB 287BANKS/BANKING: Provides relative to virtual currency. (8/1/26)Enacted 29 May 2026

    Virtual currency and crypto kiosks

  • HB 368CONSUMERS: Provides relative to earned wage access services (EN +$16,544 SG EX See Note)Enacted 1 July 2025

    What it requires: Providers of earned wage access services must submit annual reports to the Office of Financial Institutions by March 1 each year containing gross revenue, transaction counts, consumer counts, total proceeds provided, fees received, and consumer complaints. Providers must not advertise statements regarding earned wage access services that are false, misleading, deceptive, or omit material information.

    Earned wage access

  • HB 483BANKS/BANKING: Provide relative to virtual currency kiosksEnacted 20 June 2025

    Virtual currency and crypto kiosks

  • SB 38CRIME/PUNISHMENT: Creates the crime of theft of gift cards or gift card redemption information. (8/1/25) (EN SEE FISC NOTE GF EX)Enacted 4 June 2025

    What it requires: No person shall misappropriate or take a gift card or gift card redemption information without consent of the cardholder, card issuer, or card seller. No person shall alter, tamper with, or duplicate a gift card, gift card redemption information, or gift card packaging with intent to defraud. No person shall devise or participate in a scheme to obtain a gift card or gift card redemption information by false or fraudulent pretenses.

    Prepaid, gift cards and P2P, Payment fraud and scams

Payments and fintech in Louisiana, by topic

Payments and fintech bills in Louisiana

The bills not yet law, furthest along first, with what each would do.

8Enacted

1Cleared both chambers

3Introduced or inactive

12 bills in scope

Cleared both chambers

1

HR 389TAX/SALES & USE: Urges and requests the Department of Revenue to study the benefit that a dealer receives from vendor's compensation as compared to the costs a dealer incurs for paying certain interchange feesPassed both

What it would do: Urges the Department of Revenue to study vendor's compensation benefits dealers receive for collecting taxes compared to interchange fees dealers pay on the tax portion of sales, with findings due to the House Committee on Ways and Means by January 31, 2027.

Introduced or inactive

3

HB 659FEES/LICENSES/PERMITS: Limits the amount of convenience fees charged for use of credit and debit cards for certain transactionsIn committee
HB 670COMMERCE: Assesses fees on remittances of money to foreign countries and dedicates proceeds of the feesIn committee

What it would do: Requires money transmission licensees and agents to collect fees on remittances outside the US: $5 for amounts under $500, and $5 plus 5% of amounts exceeding $500. Directs collected fees to a new Human Trafficking Prevention and Victim Services Fund for trafficking prevention and victim services.

HB 417CREDIT/CARDS: Provides relative to preventing credit card companies from assessing a fee on tax and tipIn committee

What it would do: Prohibits payment card networks and issuers from charging swipe fees on state or local taxes and gratuities in electronic payment transactions in Louisiana, requiring deduction or rebate of such fees, with civil penalties up to $1,000 per violation and mandatory merchant refunds.

Bill titles link to the Louisiana Legislature's own page.

What LawSignals covers

What counts as payments and fintech legislation

In scope: Money transmission and licensing; virtual currency and crypto kiosks; card surcharges and payment fees; interchange and card networks; earned wage access; bNPL and bank partnerships; prepaid, gift cards and P2P; and payment fraud and scams.

Questions

Does Louisiana have a payments and fintech law?

Yes. Louisiana enacted 8 payments and fintech laws in the 2025 and 2026 sessions, among them SB 163, HB 1230 and HB 308. Each is listed on this page with what it requires.

When do Louisiana's payments and fintech laws take effect?

HB 1230 on 1 July 2026. The others have no single date in their text.

Which payments and fintech bills are moving in Louisiana?

1 bill not yet law has passed a committee or a chamber, the furthest along HR 389 (passed both).

What does Louisiana legislate on most in payments and fintech?

Virtual currency and crypto kiosks (3 bills), Card surcharges and payment fees (3 bills) and Money transmission and licensing (2 bills).

Are these summaries reviewed by a lawyer?

No. Which bills count as Payments and fintech bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in Louisiana

Payments and fintech legislation in other jurisdictions

51 more currently hold bills in this tracker

Know when Louisiana's payments and fintech law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

Track payments and fintech laws freeAbout the Payments and Fintech Tracker