Louisiana Enacts Debit Card Surcharge Prohibition - Consumer Financial Services Law Monitor
Louisiana has enacted a law prohibiting surcharges on debit card transactions, which affects auto dealers who impose such fees. Dealers must remove debit card surcharges to comply.
Aforeworn detected this change in the Auto Dealer F&I Compliance space on July 6, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. All auto dealers in Louisiana, including franchise, independent, and BHPH dealers, as well as F&I managers. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Immediately; law is effective upon enactment.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Auto Dealer F&I Compliance continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
Louisiana now prohibits surcharges on debit card transactions, meaning dealers cannot add a fee when customers pay with a debit card.
Who it affects
All auto dealers in Louisiana, including franchise, independent, and BHPH dealers, as well as F&I managers.
What you must do
Remove any debit card surcharge from point-of-sale systems and update pricing disclosures to ensure no surcharge is applied.
Deadline
Immediately; law is effective upon enactment.
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