Puerto Rico payments and fintech bills

Every payments and fintech bill in the Puerto Rico Legislature, what each would do, and where it stands. 42 states enacted payments and fintech laws in the 2025 and 2026 sessions. Puerto Rico has bills in progress and none enacted yet.

Bills in scope: 5bills in scope
Past committee: 0past committee
Most recent action: 4 May 2026most recent action

Payments and fintech in Puerto Rico, by topic

Money transmission and licensing
2 bills. Enacted in 24 states.
BNPL and bank partnerships
2 bills. Enacted in 2 states.
Payment fraud and scams
1 bill. Enacted in 21 states.

Payments and fintech bills in Puerto Rico

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

5Introduced or inactive

5 bills in scope

Introduced or inactive

PC 1216Para enmendar los Artículos 1, 2 y 3, añadir los nuevos Artículos 4 y 5 y reenumerar el actual Artículo 4 como Artículo 6 de la Ley 150-2008, según enmendada, conocida como “Ley para Prohibir la Imposición de un Cargo Adicional por Utilizar una Tarjeta de Crédito o Débito en las Transacciones de Venta”; enmendar el Artículo 1.1 y 3 de la Ley 42-2015, según enmendada, conocida como “Ley para que Toda Persona Natural o Jurídica que Preste Servicios Provea al Menos Dos (2) Alternativas de Pago a sus Clientes” con el propósito de prohibir el cobro de tarifas adicionales por el uso de tarjetas de crédito y débito en determinadas transacciones comerciales dentro de la jurisdicción de Puerto Rico; y para otros fines relacionados.4 May 2026Dead

What it would do: Amends Laws 150-2008 and 42-2015 to prohibit financial institutions and payment processors from charging interchange fees on the portion of transactions corresponding to federal, state, or municipal taxes in Puerto Rico, and establishes administrative penalties and reimbursement requirements for violations.

PS 1064Para establecer guías voluntarias para la oferta de préstamos basados en datos alternativos en instituciones financieras y fintech; promover el uso de historiales de pagos móviles, datos de redes sociales, consumo de servicios públicos y otros indicadores no tradicionales para evaluar capacidad crediticia; fomentar la inclusión financiera sin imponer costos adicionales al erario ni obligaciones mandatorias a las entidades o consumidores; y para otros fines relacionados21 April 2026In committee

What it would do: Establishes voluntary guidelines for financial institutions and fintech companies to offer loans based on alternative data such as mobile payment history, social media data, and utility consumption patterns to evaluate creditworthiness and promote financial inclusion.

RCS 148“Para ordenar a la Oficina del Comisionado de Instituciones Financieras (OCIF) la elaboración de un estudio sobre alianzas bancarias con fintech para remesas internacionales y transparencia en las tarifas de transferencias internacionales, utilizando recursos actuales sin impacto fiscal; y para otros fines relacionados.”21 April 2026In committee

What it would do: Orders the Office of the Commissioner of Financial Institutions (OCIF) to conduct a study on banking-fintech alliances for international remittances and transparency in international transfer fees, using existing agency resources without additional fiscal impact.

PS 675Para enmendar los Artículos 1, 2 y 3, añadir un nuevo Artículo 4 y reenumerar el actual Artículo 4 como Artículo 5 de la Ley 150-2008, según enmendada, conocida como “Ley para Prohibir la Imposición de un Cargo Adicional por Utilizar una Tarjeta de Crédito o Débito en las Transacciones de Venta”; enmendar el Artículo 1.1 y 3 de la Ley 42-2015, según enmendada, conocida como “Ley para que Toda Persona Natural o Jurídica que Preste Servicios Provea al Menos Dos (2) Alternativas de Pago a sus Clientes; con el propósito de prohibir el cobro de tarifas adicionales por el uso de tarjetas de crédito y débito en determinadas transacciones comerciales dentro de la jurisdicción de Puerto Rico; y para otros fines relacionados.13 November 2025In committee

What it would do: This bill would amend Laws 150-2008 and 42-2015 to prohibit charging interchange fees on credit and debit card transactions for amounts representing sales taxes, tips, and donations to nonprofits in Puerto Rico.

RC 435Para ordenar a la Comisión de Banca, Seguros y Comercio de la Cámara de Representantes de Puerto Rico, realizar una investigación exhaustiva sobre las operaciones de Futucare, LLC (proveedora contratada para administrar la plataforma digital del Programa de Cannabis Medicinal del Departamento de Salud) y Vank, LLC (operadora de la plataforma Vankpay, intermediaria tecnológica de pagos electrónicos entre pacientes y dispensarios), con especial énfasis en el cumplimiento de las leyes y reglamentos financieros federales y estatales que rigen las transacciones bancarias en la industria del cannabis medicinal, incluyendo la Ley de Secreto Bancario (Bank Secrecy Act, BSA), las directrices de la Red de Control de Delitos Financieros (Financial Crimes Enforcement Network, FinCEN) y las regulaciones de la Oficina del Comisionado de Instituciones Financieras (OCIF).8 October 2025In committee

What it would do: Orders the Banking, Insurance and Commerce Commission of the Puerto Rico House of Representatives to conduct an exhaustive investigation into Futucare, LLC and Vank, LLC operations, focusing on compliance with federal and state financial laws including the Bank Secrecy Act, FinCEN guidelines, and OCIF regulations. The Commission must report findings within 120 days.

Bill titles link to the Puerto Rico 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 Puerto Rico have a payments and fintech law?

None of the 5 payments and fintech bills in the Puerto Rico Legislature has been enacted in the 2025 and 2026 sessions.

What does Puerto Rico legislate on most in payments and fintech?

Money transmission and licensing (2 bills), BNPL and bank partnerships (2 bills) and Payment fraud and scams (1 bill).

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 Puerto Rico

Payments and fintech legislation in other jurisdictions

51 more currently hold bills in this tracker

Know when Puerto Rico'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 free About the Payments and Fintech Tracker