Stop Dangerous Sanctuary Cities Act

House Bill

H.R. 3881

119th Congress

Stop Dangerous Sanctuary Cities Act

In Committee

Introduced:Jun 10, 2025

Primary Sponsor

Glenn Thompson

Representative

Republican

PA-15

Cosponsors

9

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill aims to increase competition in the credit card processing industry. It would require large credit card issuers to allow transactions to be processed on at least two networks, rather than just their own. This would give merchants and consumers more choices when it comes to processing credit card payments.

Latest Action

Referred to the House Committee on Financial Services.

SponsorGlenn Thompson (R-PA)

Introduced6/10/2025

StatusReferred to the Committee on the Judiciary, and in addition to the Committees on Transportation and

ChamberHouse

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Vote Prediction

Stop Dangerous Sanctuary Cities Act

This bill aims to increase competition in the credit card processing industry. It would require large credit card issuers to allow transactions to be processed on at least two networks, rather than just their own. This would give merchants and consumers more c

Community Breakdown

Pass

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Fail

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0 predictions

This bill aims to increase competition in the credit card processing industry. It would require large credit card issuers to allow transactions to be processed on at least two networks, rather than just their own. This would give merchants and consumers more choices when it comes to processing credit card payments.

Bill Number: 3881
Sponsor: Glenn Thompson (R-PA)
Introduced: 6/10/2025
Status: Referred to the Committee on the Judiciary, and in addition to the Committees on Transportation and
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Stop Dangerous Sanctuary Cities Act
Bill Number: 3881
Sponsor: Glenn Thompson (R-PA)
Status: Referred to the Committee on the Judiciary, and in addition to the Committees on Transportation and
Introduced: 6/10/2025
Summary: This bill aims to increase competition in the credit card processing industry. It would require large credit card issuers to allow transactions to be processed on at least two networks, rather than just their own. This would give merchants and consumers more choices when it comes to processing credi

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill aims to increase competition in the credit card processing industry. It would require large credit card issuers to allow transactions to be processed on at least two networks, rather than just their own. This would give merchants and consumers more choices when it comes to processing credit card payments.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Credit Card Competition Act of 2023 This bill addresses network access and competition in electronic credit transactions. The Board of Governors of the Federal Reserve System must prohibit certain credit card issuers with assets of over $100 billion from restricting the number of networks on which electronic credit card transactions may be processed. These transactions must be able to be processed on at least two networks and must not be restricted to networks (1) owned by or affiliated with the issuer, (2) designated as a national security risk, or (3) that have the largest market share of credit cards issued. Additionally, credit card issuers are prohibited from imposing certain limitations on the routing of electronic credit transactions, such as through penalties for failure to meet a specified threshold of transactions on a particular payment card network. The board must also designate payment card networks that pose a security risk to the United States or are owned, operated, or sponsored by a foreign state entity.

Key Points

Main provisions of the bill

Requires large credit card issuers with over $100 billion in assets to allow transactions to be processed on at least two payment networks, not just their own
Prohibits credit card issuers from imposing penalties on merchants for not meeting thresholds for transactions on certain payment networks
Directs the Federal Reserve to designate payment networks that pose a national security risk or are owned by foreign entities

How This Impacts Americans

Potential effects on citizens and communities

If passed, this bill would affect large credit card companies as well as merchants and consumers who use credit cards. It would increase competition in the credit card processing industry, potentially leading to lower fees and more choices for merchants and consumers when it comes to processing credit card transactions.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

3881, 119th Congress (2025). "Stop Dangerous Sanctuary Cities Act". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-3881

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