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SB1108 • 2026

cash transactions; mandatory rounding method

SB1108 - cash transactions; mandatory rounding method

Agriculture
Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
John Kavanagh
Last action
2026-03-02
Official status
Senate committee of the whole
Effective date
Not listed

Plain English Breakdown

The bill summary does not provide specific penalties for non-compliance, leaving this detail as an unknown.

Cash Transactions; Mandatory Rounding Method

The bill requires sellers in Arizona to use a rounding method called 'Swedish rounding' for cash transactions if one-cent coins are not available or used, and exempts non-cash payments from this requirement.

What This Bill Does

  • Requires sellers to round transaction amounts to the nearest five cents when one-cent coins are unavailable or unused in cash sales.
  • Specifies that rounding should be done by following a specific method: down for endings of 1-2 and 6-7, up for endings of 3-4 and 8-9.
  • Exempts transactions paid with credit cards, debit cards, electronic funds transfers, or other non-cash methods from the rounding requirement.
  • Requires sellers to post a notice at their point of sale informing customers about the rounding method used.
  • Prohibits sellers from using any rounding method other than Swedish rounding.

Who It Names or Affects

  • Sellers who conduct cash transactions in Arizona
  • Customers making purchases with cash

Terms To Know

Swedish Rounding
A method of rounding transaction amounts to the nearest five cents, where amounts ending in 1-2 are rounded down and those ending in 3-4 are rounded up.
Point of Sale (POS)
The location or system where a customer makes a payment for goods or services.

Limits and Unknowns

  • Does not specify the exact penalties for non-compliance with rounding requirements.
  • Does not address how businesses will handle transactions that are partially cash and partially non-cash.
  • The effectiveness of the measure in promoting fairness and efficiency is uncertain without further analysis.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Plain English: Amendment explanation prepared by Hayden Darst 2/19/2026 Bill Number: S.B.

  • Amendment explanation prepared by Hayden Darst 2/19/2026 Bill Number: S.B.
  • 1108 Kavanagh Floor Amendment Reference to: REGULATORY AFFAIRS AND GOVERNMENT EFFICIENCY Committee Amendment Amendment drafted by: Leg.
  • Council FLOOR AMENDMENT EXPLANATION • Adds an emergency clause.
  • Fifty-seventh Legislature Kavanagh Second Regular Session S.B.
  • This amendment summary is using official source text because generated interpretation was skipped for this run.

Plain English: Fifty-seventh Legislature Regulatory Affairs and Government Efficiency Second Regular Session S.B.

  • Fifty-seventh Legislature Regulatory Affairs and Government Efficiency Second Regular Session S.B.
  • 1108 PROPOSED SENATE AMENDMENTS TO S.B.
  • 1108 (Reference to printed bill) The bill as proposed to be amended is reprinted as follows: 1 Section 1.
  • Heading change 2 The chapter heading of title 44, chapter 38, Arizona Revised 3 Statutes, is changed from "BUSINESSES EXEMPT FROM MASK MANDATE" to 4 "BUSINESSES GENERALLY".
  • This amendment summary is using official source text because generated interpretation was skipped for this run.

Plain English: Fifty-seventh Legislature Regulatory Affairs and Government Efficiency Second Regular Session S.B.

  • Fifty-seventh Legislature Regulatory Affairs and Government Efficiency Second Regular Session S.B.
  • 1108 COMMITTEE ON REGULATORY AFFAIRS AND GOVERNMENT EFFICIENCY SENATE AMENDMENTS TO S.B.
  • 1108 (Reference to printed bill) The bill as proposed to be amended is reprinted as follows: 1 Section 1.
  • Heading change 2 The chapter heading of title 44, chapter 38, Arizona Revised 3 Statutes, is changed from "BUSINESSES EXEMPT FROM MASK MANDATE" to 4 "BUSINESSES GENERALLY".
  • This amendment summary is using official source text because generated interpretation was skipped for this run.

Bill History

  1. 2026-03-02 Senate

    Senate committee of the whole

  2. 2026-02-17 Senate

    Senate minority caucus

  3. 2026-02-17 Senate

    Senate majority caucus

  4. 2026-01-20 Senate

    Senate second read

  5. 2026-01-15 Senate

    Senate Rules: PFC

  6. 2026-01-15 Senate

    Senate Regulatory Affairs and Government Efficiency: DPA

  7. 2026-01-15 Senate

    Senate first read

Official Summary Text

SB1108 - 572R - Senate Fact Sheet

Assigned to
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ENACTED

ARIZONA STATE SENATE

Fifty-Seventh
Legislature, Second Regular Session

ENACTED

AMENDED

FACT SHEET FOR
H.B. 2938/S.B. 1108

cash transactions; mandatory rounding method

Purpose

An emergency measure effective March 12, 2026, that requires sellers to
apply the Swedish rounding method in cash transactions if one-cent coins are
not available or utilized at a point of sale.

Background

The U.S. penny, officially known as the cent, was created by the U.S.
Mint shortly after its establishment in 1792. The penny is the lowest
face-value physical unit of U.S. currency currently in circulation. Under
federal law, the U.S. Secretary of the Treasury has the authority to mint and
issue pennies in amounts necessary to meet the needs of the United States. In
2025, the U.S. Mint was instructed to stop making pennies and on November 12,
2025, the last penny was produced for general circulation (
U.S.
Mint
; 31 U.S.C. ��
5111

and
5112
).

The Weights and Measures Division of the Arizona Department of
Agriculture (Division) is established to promote fairness in Arizona commerce
involving weighing or measuring for commercial purposes. Duties of the Division
include: 1) maintaining Arizona's standards of weight and measure based on
national standards maintained by the federal government; 2) licensing weighing
and measuring devices used in Arizona; 3) conducting a wide variety of
inspection programs to protect the marketplace; 4) auditing measuring devices; and
5) enforcing related statutes, rules, and regulations (
A.R.S. Title 3, Chapter 19
).

Statute outlines trade and commerce practices in general and for
particular industries and transactions, including practices that are deemed
unlawful (
A.R.S. Title 44
).

There is no anticipated fiscal impact to the state General Fund
associated with this legislation.

Provisions

1.

Requires
a seller, if one-cent coins are not available or are not used by the seller at
a point of sale, to apply Swedish rounding to the total transaction amount to
the nearest five-cent increment as follows:

a)

rounded down if the amount ends in one or two cents;

b)

rounded up if the amount ends in three or four cents;

c)

rounded down if the amount ends in six or seven cents or

d)

rounded
up if the amount ends in eight or nine cents.

2.

Applies Swedish rounding to a final total transaction amount of a cash
transaction after taxes, fees and other charges are calculated.

3.

Exempts, from Swedish rounding, a transaction that is paid by credit
card, debit card, electronic funds transfer, mobile payment application or
other non-cash payment.

4.

Requires a seller that is subject to Swedish rounding to post a notice
that is visible to customers at the point of sale stating:
cash transactions
are rounded to the nearest five-cent increment pursuant to state law
.

5.

Prohibits a seller from applying a rounding method other than Swedish
rounding.

6.

Requires a seller to calculate and remit all taxes and fees that are
imposed by a state or municipal taxing authority based on the sales price
before the cash transaction was rounded.

7.

Requires the Swedish rounding requirement to be enforced by the
Division.

8.

Allows the Division to issue warnings and orders and impose civil
penalties relating to the Swedish rounding requirement.

9.

States that a seller is not in violation of any other state or municipal
requirement, law, regulation or standard if the action is based in compliance
with rounding requirements.

10.

States
that the Swedish rounding requirement is intended to operate consistently with
federal law that governs U.S. coinage and legal tender.

11.

States that the Swedish
rounding requirement does not:

a)

declare any coin or currency invalid as legal tender;

b)

require acceptance or refusal of any specific denomination of U.S. coin
or currency; or

c)

preempt,
conflict with or supersede any provision of federal law regulation.

12.

Contains
a statement of legislative intent.

13.

Makes
conforming changes.

14.

Becomes
effective on March 12, 2026.

Amendments Adopted by
Committee

1.

Removes the exemption of the sale of an individual item from Swedish
rounding.

2.

Requires a seller to calculate and remit all taxes and fees that are
imposed by a state or municipal taxing authority based on the sales price
before the cash transaction was rounded.

3.

States that a seller is not in violation of any other state or municipal
requirement, law, regulation or standard if the action is based in compliance
with rounding requirements.

4.

Adds
a statement of legislative intent.

5.

Makes
conforming changes.

Amendments
Adopted by Committee of the Whole

�

Adds an emergency clause.

House Action
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Senate
Action

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2938 was substituted for S.B. 1108 on 3
rd
Read)

Signed by the
Governor 3/12/26

Chapter 5

Prepared by Senate Research

March 30, 2026

JT/HD/ci

Current Bill Text

Read the full stored bill text
SB1108 - 572R - S Ver

Senate Engrossed

cash transactions;
mandatory rounding method

State of Arizona

Senate

Fifty-seventh Legislature

Second Regular Session

2026

SENATE BILL 1108

AN
ACT

amending title 44, chapter 38, article 1,
arizona revised statutes, by adding section 44-7952; relating to cash
transactions.

(TEXT OF BILL BEGINS ON NEXT PAGE)

Be it
enacted by the Legislature of the State of Arizona:

Section 1.
Heading change

The chapter heading of title 44,
chapter 38, Arizona Revised Statutes, is changed from "BUSINESSES EXEMPT
FROM MASK MANDATE" to "BUSINESSES GENERALLY".

Sec. 2. Title 44, chapter 38, article 1,
Arizona Revised Statutes, is amended by adding section 44-7952, to read:

START_STATUTE
44-7952.

Cash transactions; mandatory rounding of transaction totals;
notice; enforcement

A. If one-cent coins are not
available or are not used by a seller at a point of sale, the seller shall
apply swedish rounding to a total transaction amount that rounds the total
transaction amount to the nearest five-cent increment.� If a total
transaction amount ends:

1. In one or two cents, the total
TRANSACTION amount is rounded down to the nearest multiple of five cents.

2. In three or four cents, the total
TRANSACTION amount is rounded up to the nearest multiple of five cents.

3. In six or seven cents, the total
TRANSACTION amount is rounded down to the nearest multiple of five cents.

4. In eight or nine cents, the total
TRANSACTION amount is rounded up to the nearest multiple of five cents.�

B. Swedish rounding applies to a
final total TRANSACTION amount of a cash transaction after taxes, fees and
other charges are calculated.

C. Swedish rounding does not apply to

a transaction that is paid by a credit card, debit card,
electronic funds transfer, mobile payment application or other non-cash
payment method.

D. A seller that is subject to this
section shall post a notice that is visible to customers at the point of sale
stating "cash transactions are rounded to the nearest five-cent
increment pursuant to state law".

E. A seller may not apply a rounding
method other than swedish rounding.

F. A seller shall calculate and remit
all taxes and fees that are imposed by a state or municipal taxing authority
based on the sales price before the cash transaction was rounded.

G. This section shall be enforced by
the weights and measures services division of the arizona department of
agriculture pursuant to title 3, chapter 19. the division may issue
warnings and orders and impose civil penalties in addition to other enforcement
measures.

H. A seller is not in violation of
any state or municipal requirement, law, regulation or standard if the action
is based on compliance with this section.

I. This section is intended to
operate consistently with federal law that governs united states coinage and
legal tender.

J. This
section does not:

1. Declare
any coin or currency invalid as legal tender.

2. Require acceptance or refusal of
any specific denomination of the united states coin or currency.

3. Preempt, conflict with or
supersede any provision of federal law regulation.

END_STATUTE

Sec. 3.
Legislative intent

The legislature intends that section
44-7952, Arizona Revised Statutes, as added by this act, protects
businesses and governmental agencies in this state.

Sec.
4.

Emergency

This act is an
emergency measure that is necessary to preserve the public peace, health or
safety and is operative immediately as provided by law.