Following the U.S. Mint's halt of penny production last year, many merchants have started rounding cash transactions to the nearest nickel. States are enacting laws to govern this practice, and a federal bill, the Common Cents Act, has passed both House and Senate, though differences need resolution. Concurrently, more small merchants are imposing credit card surcharges to offset increasing "swipe fees," which averaged 2.35% of purchase price in 2024. A pending antitrust settlement aimed at reducing these fees is largely opposed by retailers.