This resolution emphasizes the strength and innovation of the American payments system, which is largely attributed to private sector leadership and market-based approaches that cater to the diverse needs of entrepreneurs and consumers. It highlights the importance of consumer protection from government interference that could lead to less secure and innovative payment options, potentially exposing consumers and their financial data to risks. The resolution also points out that the United States sets the global standard for payment technology and has a robust financial system that supports small businesses and protects consumers.

The resolution urges Congress to protect consumers from government overreach that could undermine the free market and national security by interfering with American consumers' and small businesses' financial transactions. It emphasizes the need to maintain consumer choice in payment methods and to prevent the imposition of surcharges for credit card payments. The resolution also states that the credit card payments industry is competitive and healthy, and that further government-mandated price controls would be detrimental to innovation and security. The Alabama Legislature requests that an official copy of this resolution be sent to each member of the Alabama Congressional Delegation and all other members of Congress, signaling the state's opposition to government economic favoritism and commandeering of the payments system.