In Texas, it is illegal to charge a fee for using a credit card, and yet very few customers or businesses realize it.
Bruce Dilliplane and his wife had just finished getting their hair cut when he questioned the salon cashier about using a credit card.
"When we got ready to pay I said, '(Do) you accept credit cards?' and she said, '(Yes,) but we charge a dollar fee,'" Dilliplane said.
He also remembers seeing it posted on a sign. "I wasn't even aware of the law. I was just upset at being charged the fee," Dilliplane said.
He went home, did a little research, and found out credit card surcharges are illegal in Texas.
The law isn't new, but having an agency designated to enforce it is. It also now applies to debit cards as well.
"We're pretty much in an educational-type mode, where we're making businesses aware of the requirement first and asking them to stop," said Director of Consumer Protection for the Office of Consumer Credit Commissioner Rudy Aguilar.
Enforcing the law is the charge of the OCCC, as of Sept. 1, 2013.
"The Office of Consumer Credit Commissioner has the responsibility to administer that provision of law and so that there is a no private right of action and so an individual can't sue for violating that provision," Aguilar said.
Aguilar's office has only recently begun notifying businesses about complaints.
"If they continue or refuse to acknowledge the provision, we can issue an order to cease and desist," Aguilar said.
Government entities are exempt from the law. They are allowed to tack on a credit card surcharge.
While a business cannot charge a credit card fee, they can set a minimum charge for using credit cards.
"A business can set a policy where they don't want to deal with a credit card until they get to a certain level of a purchase from an individual and as long as they're consistent with that, they can do that," Aguilar said.