A new bill proposed in Ohio could transform the way businesses carry out transactions and offer a lifeline to Americans who still prefer to use cash when shopping.
The CASH (Currency Access to Spend Here) bill, which is being considered by lawmakers in the Buckeye State, would require businesses to provide at least one point of sale that accepts cash for transactions under $500.
It was introduced by Republican State Representative David Thomas in response to concerned constituents who have faced problems when trying to pay with cash.
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Why It Matters
Despite the broader trend toward a cashless economy, 14 percent of Americans reported using cash for almost all or most of their transactions in 2022, while 41 percent said they never used cash, according to the Pew Research Center.
The CASH Act is part of a growing movement nationwide to guarantee consumers the right to pay in cash as more retailers and institutions shift to cashless operations. It follows in the footsteps of the bipartisan Payment Choice Act introduced by Senators Kevin Cramer of North Dakota and Pennsylvania’s John Fetterman, a Democrat, in July.
If the CASH Act becomes law, it would mean major grocery chains and retailers would need to ensure they have at least one register which could accept cash payments.
What To Know
The CASH Act mandates that any business or government entity operating within the state must provide at least one point-of-sale location able to accept cash for transactions of $500 or less.
Additionally, it prohibits businesses from charging higher prices to customers who pay with cash compared with those who use digital or card payments.
The law would apply to both staffed registers and automated systems, offering flexibility for retailers who have adopted self-checkouts.
Which US States Have Cash Laws?
A number of states have laws requiring retailers to accept cash, however, there remain examples in which enforcement has proved an obstacle. According to the Payments Journal, Colorado and New Jersey, are among those to have passed legislation while other states such as Idaho, Mississippi and North Dakota failed to enact new laws.
In 2021, Colorado Governor Jared Polis warned on signing a new law that would fine businesses $250 for operating no cash policies that the bill’s ambiguity over who would be charged may mean it was “practically unenforceable”, reported the Denver Post at the time.
Other states to have cash laws include Massachusetts, Rhode Island, Oregon, Tennessee, Montana and Delaware.
What People Are Saying
Ohio State Representative David Thomas said in a press release on October 30: “It’s simple, cash is the basis for business in America. Our taxpayers should always have the ability to use cash in their daily lives.
“I hear from residents who may not trust virtual payment options or just prefer to use physical cash. This bill balances the needs of government and business to be efficient with the ability to still rely on physical currency.”
According to Ohio news outlet NBC4i, at the bill’s first hearing in the House General Government Committee, Thomas said: “Cash is more than king; it is the basis on which our economy moves.”
What Happens Next
House Bill 554 is awaiting further hearings in the Ohio House General Government Committee.
Update 11/26/2025 4.07AM ET This article was updated to include more information
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