Delaware: SAVE TIPPED WORKERS. SAY NO TO HB 315.
The Delaware Legislature is considering a proposal, HB 315, that would change the way your credit and debit cards work and reduce tips that servers, rideshare drivers, and others depend upon.
Why is HB 315 Bad for Delaware?
Credit & Debit Cards May No Longer Work for Tips
HB 315 prohibits interchange service costs from being applied to the tip portion of card transactions. As a result, credit and debit cards may not work for tips. This could mean tips can only be paid in cash.
Reduced Incomes for Tipped Workers
Forcing cash-only tips is a recipe for disaster for workers in 2026. Delaware restaurant servers, for example, could lose more than $8,800 per year if customers cannot leave tips on their cards.
How Would HB 315 Wreak Havoc in Delaware?
HB 315 would create credit card chaos for tipped workers, consumers, and local financial institutions. Here’s why:
TIPPED WORKERS PAY THE PRICE
Servers, gig-economy drivers, and others depend on tips for their livelihoods, but wages are diminished when consumers are limited to tipping with the cash they carry.
HARMS LOCAL BANKS AND CREDIT UNIONS
These vital financial institutions would face burdensome compliance requirements, excessive penalties, and reduced revenue streams that otherwise today allow them to provide free and low-cost financial services, including free checking accounts.
INCONVENIENCES CONSUMERS
Under HB 315, consumers may have to use cash for tips, forcing inconvenient, separate transactions.
THREATENS FRAUD PROTECTIONS
Eroding interchange state by state puts businesses and consumers at risk by jeopardizing funding for fraud prevention and cybersecurity investments that keep card payments secure.
REWARDS GO AWAY
Interchange funds popular credit card rewards programs that consumers depend on — including airline, hotel, and cash-back cards — and these programs are likely to disappear if interchange revenue is eroded state by state.
LEGAL UNCERTAINTY REMAINS
The state will have to use taxpayer money to defend these policies against legal challenges.
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Tell Dover: Say No to HB 315
Contact your local elected leaders today and tell them you oppose HB 315.
Paid for by the Electronic Payments Coalition www.electronicpaymentscoalition.org 1747 Pennsylvania Ave. Washington, DC 20006