The statewide law makes it illegal for New York food stores and retail establishments to refuse payment in cash for goods or services, expanding protections that have been in place in New York City since 2020. Stores also cannot charge consumers a higher price for paying in cash, according to the Attorney General's Office.
"New Yorkers have a right to service no matter how they choose to pay," said Attorney General James. "Businesses cannot deny New Yorkers access to necessities like food and clothing by refusing to take cash, or charging shoppers more for paying in cash. I will not hesitate to enforce this law to protect consumers across our state."
Violating retailers face civil penalties of up to $1,000 for the first violation and $1,500 for each subsequent violation. The law includes several exceptions: stores do not have to accept bills in denominations above twenty dollars, they can refuse cash for telephone, mail, or internet orders unless the transaction occurs at the store, and the requirement doesn't apply if stores provide devices to convert cash into prepaid cards without fees or minimum loading requirements above one dollar.
The new statewide mandate follows similar legislation enacted in several major cities nationwide as consumer advocates have raised concerns about cashless policies disproportionately affecting low-income consumers and those without access to banking services. The trend toward cashless retail accelerated during the COVID-19 pandemic but has faced pushback from lawmakers concerned about financial inclusion.
James encouraged New Yorkers to submit complaints to her office if they believe stores are violating the new requirements. Consumers can file complaints online or by calling the Attorney General's consumer hotline at 1-800-771-7755.
The enforcement action represents part of James's broader consumer protection agenda targeting retail practices that may discriminate against vulnerable populations. The Attorney General's Office has not yet indicated whether it has received complaints about potential violations since the law took effect.