On Aug. 18, 2023, New Jersey Gov. Phil Murphy signed into law a bill (A4284) that limits the surcharges merchants may charge their customers who choose to pay for goods or services using a credit card and requires disclosure of the surcharge (the Act). The Act became effective immediately and appears to be the first of its kind in New Jersey. Because the Act incorporates the penalty provisions of the New Jersey Consumer Fraud Act (CFA), N.J.S.A. 56:8-1 et seq.,—which can be significant—it is essential that merchants act right away to bring their practices in line with the Act's requirements.