Requires most in-person retail businesses to accept cash for transactions up to $500 and prohibits charging cash-paying customers higher prices than card-paying customers, while allowing limited exceptions (temporary technical problems and narrowly defined cash-conversion devices). Establishes penalties and a notice-and-cure enforcement process, directs agencies to adopt rules (including which large bills may be refused after five years), and requires the FDIC and NCUA to publish annual ATM location reports. Also includes a nonbinding statement that U.S. currency should be legal tender everywhere and consumers should have the right to pay with cash.