This bill amends the Electronic Fund Transfer Act, specifically section 921(a)(6) which addresses reasonable fees and rules for payment card transactions, to introduce mandatory inflation adjustments. It requires that a specified amount within this section be adjusted annually according to the percentage increase in the Consumer Price Index (CPI) for the month of October. An initial adjustment is mandated to occur before the first annual adjustment, calculated based on the CPI increase between October 2009 and October 2025. Following this, annual adjustments are scheduled to begin by July 1, 2026, and then continue every January 15 thereafter, ensuring these financial thresholds are regularly updated for inflation.