Public Policy

State Resources

States are increasingly becoming a threat to innovation. As states look to fill ever-increasing holes in their budgets, states have become much more active in overseeing the payments industry looking for tax revenues, expanding current laws over additional and new participants, and simply writing new laws that fundamentally alter the way the payments industry does business.

ETA is working diligently to fight threats and to educate state legislators and regulators of the possible disastrous effects of changes. See what’s happening in your state below.

State Legislative and Regulatory Priorities

2024 State Legislative and Regulatory Priorities

ETA Reports

ETA Report on State Cryptocurrency & Blockchain Efforts (10.18.18)

Arizona

ETA Letter - Payment Processing on Digital App Platforms - HB 2005 (2.16.21)

ETA Letter – Privacy and Fighting Fraud – S 1614 (2.4.20)

ETA Veto Request – Real Time Sales Tax – S 1091 (5.5.18)

Arkansas

ETA Letter – Marketplace Facilitator – H 1002 (2.28.19)

California

ETA Opposition Letter – SB 1482 (10.22.24)

ETA Opposition Letter – Artificial intelligence SB 1047 (6.10.24)

ETA Support – Personal finance course AB 2927 (5.29.24)

ETA Support – Artificial Intelligence Literacy AB 2876 (5.29.24)

ETA Support – Financial Literacy AB 1871 (5.29.24)

ETA Comment Letter - Artificial Intelligence AB 2930 (5.8.2024)

ETA Comment Letter – DFPI Digital Assets Law (1.12.24)

ETA Letter - Comments on the Proposal to Adopt New Regulations Under the Debt Collection Licensing Act (PRO 05-21) (8.29.22)

ETA Letter - Commissioner of Financial Protection and Innovation - Commercial Financing Disclosure Regulations (4.26.21)

ETA Letter - Department of Business Oversight - Proposed Restructure of DBO (8.13.20)

ETA Letter - Gov. Newsom - Payments Industry and COVID-19 Response (6.19.20)

Office of the California Attorney General - Final Proposed Regulations Package - California Consumer Privacy Act (6.1.20)

Joint Industry Letter – Request for Temporary Forbearance Delay from CCPA Enforcement (3.20.20)

ETA Letter – Commercial Financing Disclosures – Commercial Financing Disclosure – PRO-01-18 (1.31.20)

ETA Letter – Gov. Newsom – Refund Cards – A 1428 (7.15.19)

Joint Trade Letter – Assembly Business and Professions – Medical Health Cards – S 639 (6.17.19)

ETA Letter – Senate Judiciary – Point of Sale Receipts – A 161 (6.13.19)

ETA Letter – Senate Judiciary – Refund Cards – A 1428 (6.7.19)

Joint Trade Letter – Privacy (Fraud) – A 1416 (4.24.19)

ETA Letter – Assembly Appropriations – POS Receipts – A 161 (4.23.19)

ETA Letter – Refund Cards – A 1428 (4.22.19)

ETA Letter – 1099-K – A 1791 (4.1.19)

Joint Trade Letter – Dynamex – A 5 (4.1.19)

ETA Comments – Privacy – California AG Open Forum Comments (1.23.19)

ETA Veto Request – Commercial Financing Disclosure – S 1235 (9.11.18)

ETA Floor Alert – Commercial Financing Disclosure – S 1235 (8.20.18)

ETA Letter – Department of Business Oversight – Agent of the Payee (4.9.18)

ETA Letter – POS Receipts – A 161 (3.25.18)

ETA Letter – Marketplace Facilitator – A 147 (2.25.18)

Connecticut

ETA Opposition – Sales Tax Interchange HB 5489 (3.20.24)

ETA Letter – Real Time Sales Tax – S 887 – Sec. 19 (5.22.19)

Joint Trade Letter – Privacy – S 1108 (3.27.19)

ETA Comment Letter – Privacy – S 1108 (3.25.19)

Joint Comment Letter – Money Transmitter – NMLS – H 5490 (4.19.18)

Joint Comment Letter – Money Transmitter – NMLS – H 5490 (4.2.18)

Joint Letter – Opposing S 1047 (5.12.17)

ETA Letter Opposing S 1057 (4.25.17)

District of Columbia

ETA Opposition - DIDMCA Opt Out B25-0609 (3.13.24)

ETA Comment Letter – CSBS - NMLS Modernization (5.31.21)

Georgia

ETA Opposition Letter for Georgia Interchange Prohibition Bill (2-24-23)

ETA Comment Letter – Money Transmitter Rulemaking (6.15.18)

ETA Letter – Marketplace Facilitator – S 276 (3.4.18)

ETA Letter – Money Transmission Tax – H 818 (2.20.18)

ETA Letter – Money Transmission Tax – H 66 (2.20.18)

ETA Letter Opposing H 66 – Chairman Battles (2.17.17)

ETA Letter Opposing H 66 (1.25.17)

Hawaii

ETA Support – Money Transmission Modernization HB 2388 (2.28.24)

ETA Letter – House Consumer Protection and Commerce – Privacy and Fighting Fraud – H 2572 (2.24.20)

ETA Letter – House Judiciary – Privacy and Fighting Fraud – H 2572 (2.24.20)

ETA Letter – Marketplace Facilitator – H 1352 & S 322 (2.28.18)

ETA Letter – Marketplace Facilitator – S 396 (2.28.18)

ETA Letter – Marketplace Facilitator – H 113 (2.28.18)

Illinois

ETA Opposition – Commercial Finance SB 2234 (3.12.24)

ETA Letter Opposing Illinois Commercial Finance Disclosure - H.B. 3064 (3.7.23)

ETA Letter Opposing Illinois Commercial Finance Disclosure - S.B. 2234 (3.7.23)

ETA Letter Opposing S 119 (10.25.19)

ETA Letter – Data Breach Notification – H 3200 (3.20.19)

ETA Letter – 1099-K – S 119 (3.5.19)

ETA Veto Request – Consumer Rebate Cards – S 3102 / H 4922 (6.1.18)

ETA Letter – Speaker of the House – Consumer Rebate Cards – S 3102 / H 4922 (5.11.18)

ETA Letter – Senate President – Consumer Rebate Cards – S 3102 / H 4922 (5.11.18)

ETA Letter – Regulatory Sandbox – S 3133 (4.10.18)

Idaho

ETA Support – Money Transmission Modernization H 479 (2.14.24)

Indiana

ETA Letter – Marketplace Facilitator – H 1352 / S 322 (2.28.18)

Iowa

ETA Letter – Money Transmission Tax – HF 2064 (1.25.18)

ETA Letter – Money Transmission Tax – HF 615 (1.25.18)

ETA Letter Opposing HF 494 (3.21.17)

ETA Letter Opposing HF 494 (3.8.17)

ETA Letter Opposing IA HSB 150 (2.28.17)

Kansas

ETA Support – Money Transmission Modernization SB 406 (2.5.24)

ETA Letter – Marketplace Facilitator – H 2352 (2.28.18)

Louisiana

ETA Letter in Opposition to the Louisiana HB 615 Money Transmission Tax (5.9.21)

ETA Letter in Opposition to House Bill 539 (4.26.21)

ETA Trade Letter in Opposition to SB 476 - Third Party Online Marketplace Sellers (5.11.20)

ETA Amicus Brief – Louisiana Supreme Court – Walmart.com Case (6.21.19)

ETA Letter in Opposition to the Louisiana BAT Tax (5.5.17)

ETA Letter in Opposition to the Louisiana CAT Tax (4.24.17)

Maine

ETA Support – Money Transmission Modernization LD 2112 (2.13.24)

Maryland

ETA Opposition – Commercial Finance HB 574 (2.20.24)

ETA Opposition – Commercial Finance SB 509 (2.14.24)

ETA Opposition – True Lender HB 250 (3.20.24)

ETA Opposition – True Lender HB 254 (1.19.24)

ETA Letter Opposing Maryland Senate Bill 496 in Senate Economic Matters Committee (3.27.23)

ETA Letter Opposing Maryland Senate Bill 496 (Commercial Finance Disclosure) (2.14.23)

ETA Letter Opposing S 913 (3.2.20)

ETA Letter Opposing H 1478 (3.2.20)

ETA Testimony – Senate Finance – Credit Card Processors Service Agreements – S 694 (3.12.19)

ETA Letter – Data Breach, Data Protection, Money Transmission – S 786 (3.12.19)

ETA Letter – Data Breach, Data Protection, Money Transmission – H 1127 (3.12.19)

ETA Letter – Privacy – S 613 (3.8.19)

ETA Letter – Privacy – H 901 (3.6.19)

ETA Testimony – House Economic Matters Committee – Credit Card Processors Service Agreements - H 777 (2.20.19)

ETA Testimony – Senate Finance – Credit Card Processors – H 1647 (3.28.18)

ETA Testimony – House Economic Matters – Credit Card Processors – H 1647 (3.7.18)

ETA Letter – Marketplace Facilitator - S 728 (2.27.18)

ETA Hearing Follow Up Memo Regarding H 1400 (3.15.17)

ETA Letter Opposing H 1400 (3.10.17)

Massachusetts

Joint Trade Letter - Opposing Real Time Sales Tax (10.21.20)

ETA Letter – Real Time Sales Tax – H 2 (7.17.18)

Joint Trade Letter – Real Time Sales Tax – H 2 (6.1.18)

Joint Trade Letter – Real Time Sales Tax – H 2 (4.3.18)

ETA Testimony – House Ways and Means – Real Time Sales Tax – H 2 (3.14.18)

ETA Letter – Marketplace Facilitator – H 1 (2.28.18)

ETA Joint Letter to MA Department of Revenue – Opposing 1099K Changes (11.17.17)

ETA Challenges with Implementing Daily Sales Tax Collection and Remittance – Gov (6.7.17)

ETA Challenges with Implementing Daily Sales Tax Collection and Remittance – Conferees (6.7.17)

ETA Governor Baker Letter (6.1.17)

ETA Conference Committee Letter (6.1.17)

ETA Senate Amendment Letter (5.22.17)

ETA Letter to Governor Baker in Opposition to Section 32 H 3600 (5.3.17)

Joint Letter Regarding Sales Tax (4.27.17)

ETA Testimony Regarding Section 34 of H-1 (3.31.17)

ETA MA Sales Tax Summary

Michigan

ETA Testimony – Senate Banking – Data Breach – S 633 (5.1.18)

ETA Letter – Data Breach – S 633 (4.27.17)

Minnesota

ETA Opposition – DIDMCA Opt-Out HF 3680 (2.26.24)

ETA Opposition – DIDMCA Opt-Out SF 3932 (2.28.24)

ETA Letter – Uniform Law Commission – Collection and Use of Personally Identifiable Data Act (4.22.20)

Missouri

ETA Letter – Marketplace Facilitator – S 46 (2.28.18)

ETA Letter – Marketplace Facilitator – H 548 (2.28.18)

Nebraska

ETA Letter Opposing Bill on "Fair Access" to Financial Services (2.10.23)

ETA Letter – Privacy and Fighting Fraud – L 746 (2.28.18)

ETA Letter – Marketplace Platforms – L 284 (2.28.18)

ETA Letter – Money Transmission Tax – L 1016 (1.31.18)

Nevada

ETA Letter – Nevada Governor – Internet Lender License – S. 161 (6.5.19)

ETA Letter – Internet Business Lenders – S. 161 (4.23.19)

New Hampshire

ETA Support – Money Transmission Modernization HB 1241 (3.13.24)

ETA Letter Opposing H 1508 (1.22.20)

ETA Letter – Usury – H 1800 (1.16.18)

New Jersey

ETA Letter – Small Business Lending Disclosure – S 2262 (5.10.19)

ETA Testimony – Assembly Homeland Security – Privacy – A 4640 (1.24.19)

ETA Testimony – Senate Commerce – Small Business Lending Disclosure – S 2262 (10.12.18)

New Mexico

ETA and NACHA House – H 347 (3.17.17)

ETA and NACHA Letter Regarding H 347 (3.17.17)

ETA Opposition Letter to H 15 (2.6.17)

New York

ETA Opposition – Money Transmission S 177 (1.16.24)

ETA Comment Letter - Comments on The Revised Proposed Second Amendment to Cybersecurity Regulations (8.14.23)

ETA Comment Letter – Comments on Proposed Amendments to Cybersecurity Rules – (23 NYCRR 500) (1.9.23)

ETA Letter - NY DFS - Disclosure Requirements for Certain Providers of Commercial Financing (10.31.22)

ETA Letter - Senator Mayer - S 8780 - Gift Card Fee and Expiration Date (7.21.20)

ETA Letter - New York Executive Order 202.6, Essential Services (3.19.20)

ETA Letter – Assembly Banks – A 3638 – Small Business Usury (6.18.19)

ETA Letter – Senate Consumer Protection – S 5470 – Commercial Financing Disclosures (5.24.19)

ETA Letter – Senate Consumer Protection – Privacy and Fighting Fraud (5.24.19)

ETA Letter – Online Lending Report (7.19.18)

ETA Letter – Online Lending License – S 8340 (5.7.18)

ETA Letter – Arbitration – A 8784 (1.5.18)

NYSDFS – Comment Letter (8.28.17)

NYSDFS – Cyber Letter (1.27.17)

North Carolina

ETA Letter – Speaker Pro Temp. – H 686 (Consumer Contracts) (6.27.19)

North Dakota

ETA Joint Letter Opposing North Dakota Interchange Prohibition Senate Bill (1-31-23)

ETA Letter in Opposition to SB 2333 (2.15.21)

Ohio

ETA Opposition – Remittance Tax HB 451 (6.4.24)

Oklahoma

ETA Letter in Opposition to Oklahoma H 2393 (5.8.17)

ETA Letter in Opposition to Oklahoma H 2393 (5.1.17)

ETA Letter in Opposition to Oklahoma S 547 (4.21.17)

ETA Letter in Opposition to Oklahoma S 547 (4.17.17)

ETA Letter in Opposition to Oklahoma S 547 (4.3.17)

ETA Letter in Opposition to Oklahoma S 547 (3.21.17)

ETA Letter in Opposition to Oklahoma S 547 (2.17.17)

Oregon

ETA Letter in Opposition to H 3320 (3.17.17)

Pennsylvania

ETA Opposition – Sales Tax Interchange HB 2394 (6.12.24)

Puerto Rico

ETA Comment Letter – Money Services Business Regulations (9.13.19)

ETA Letter – Monetary Services Companies – H 1255 (9.28.18)

Rhode Island

ETA Opposition – DIDMCA Opt-Out HB 7941 (3.26.24)

ETA Opposition – DIDMCA Opt-Out S 2275 (3.12.24)

ETA Letter – Senate Commerce - Virtual Currency – S 753 (6.18.19)

ETA Letter – House Corporations - Virtual Currency – H 5847 (6.17.19)

ETA Letter – Virtual Currency – S 753 (4.23.19)

ETA Letter – Privacy – H 5930 (4.1.19)

ETA Letter – Currency Transmission – H 5847 (3.29.19)

ETA Letter – Gift Certificates – H 5810 (3.18.18)

ETA Letter – Marketplace Facilitator – S 251 (3.4.18)

ETA Letter – Marketplace Facilitator – H 5150/5151 (2.28.18)

South Carolina

ETA Support – Money Transmission Modernization S 1031 (2.21.24)

ETA Letter – Marketplace Facilitator – S 214 (2.28.18)

South Dakota

ETA Support – Money Transmission Modernization SB 58 (1.16.24)

ETA Submits Support Letter for Money Transmission Modernization to the South Dakota Legislature (2.1.18)

ETA Letter – Money Transmission – H 1016 (1.29.20)

ETA Letter – House – Data Breach – S 62 (2.5.18)

ETA Letter – Senate – Data Breach – S 62 (1.18.18)

Tennessee

ETA Opposition – Sales Tax Interchange SB 0132 (3.12.24)

ETA Letter Opposing Tennessee 90-Day Notice - HB 846 (3.28.23)

ETA Letter Opposing Tennessee 90-Day Notice - HB 846 (3.20.23)

ETA Letter Opposing Tennessee 90-Day Notice - SB 996 (3.20.23)

ETA Letter to 32 States Contemplating and Emergency Order, Arguing the Payments Industry is Critical (3.25.20)

ETA Letter Opposing S 2075 (3.9.20)

ETA Letter Opposing H 1706 (3.9.20)

ETA Letter Opposing S 2166 (2.14.20)

ETA Letter – Money Transmitter – H 562 Substituted (3.12.19)

ETA Letter – Money Transmitter – S 1504 (2.28.19)

ETA Letter – Money Transmitter – H 562 (2.28.19)

Texas

ETA Written Testimony in Opposition to H 1760 (4.18.17)

ETA Letter in Opposition to TX H 1760 (3.20.17)

ETA Letter Opposing Texas Bill H 411 (3.3.17)

ETA Letter Opposing Texas Bill H 411 (1.31.17)

Vermont

ETA Letter – Money Transmitter Provisions – S 154 (4.4.19)

ETA Letter – Marketplace Facilitator – H 349 (2.28.19)

ETA Letter – Marketplace Facilitator – H 117 (2.28.19)

ETA Veto Request – Credit Card Terminal Leases – S 2 (6.1.18)

ETA Testimony – Credit Card Terminal Leases – S 206 (4.17.18)

ETA Letter – Marketplace Facilitator – H 114 (2.28.18)

ETA Letter – Credit Card Terminal Leases – S 206 (1.31.18)

ETA Testimony – Credit Card Terminal Leases – S 206 (1.31.18)

ETA Letter – Credit Card Terminal Leases – H 594 (1.16.18)

Virginia

ETA Clarification Letter – Money Transmission HB 1519 (2.26.24)

Washington

ETA Letter – Private Right of Action – S 6281 (3.11.20)

ETA Letter – Data Breach – H 1071 (3.20.19)

ETA Letter – Data Breach – H 1071 (1.30.19)

ETA Letter – Data Breach – S 5064 (1.22.19)

ETA Comment Letter – DFI Regulations – Money Transmission (5.14.18)

ETA Comment Letter – DFI Regulations – Money Transmission (3.30.18)

ETA Letter – Marketplace Facilitator – S 5581 (2.28.18)

Joint Letter Opposing H 1904 (1.31.18)

Joint Comment Letter – PII Data Sale Tax – H 1094 (1.30.18)

ETA Comment Letter to DOR (5.22.17)

Letter to Stakeholders (4.27.17)

ETA Letter to Washington Governor (4.13.17)

ETA 2nd Letter to Washington (3.7.17)

ETA Letter to Washington Senate (1.6.17)

ETA Letter to Washington House (1.6.17)

West Virginia

ETA Letter – Governor Justice – Agent of the Payee – S 603 (3.11.19)

ETA Letter – House Judiciary – Agent of the Payee – S 603 (3.4.19)

ETA Letter – Senate President – Agent of the Payee – S 603 (2.22.19)

Virgin Islands

ETA Opposition Letter – Bill NO. 35-0375 (10.22.24)

ETA OFFICE OF STATE GOVERNMENT AFFAIRS

Scott Talbott
EVP, ETA CPP
202.677.7403
email

Brian Yates
Senior Director
State Government Affairs
202.677.7417
email

Claire Hebert
Manager
State Government Affairs
202.677.7405
email