SB92 • 2026

Campaign contributions; contributions made with credit card with billing address outside U.S. prohibited, exceptions provided

Elections

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor: Orr
Last action: 2026-04-17
Official status: Enacted
Effective date: 2026-10-01

Plain English Breakdown

The bill requires U.S. citizens living abroad to provide a voter registration address, but does not explicitly state how committees must verify that the contributor is actually a U.S. citizen.

Rules for Credit Card Campaign Donations

This law stops campaign groups from accepting online credit card donations if the billing address is outside the United States, unless specific rules are followed by U.S. citizens living abroad.

What This Bill Does

Requires contributors to provide a credit card verification code when donating via the Internet.
Prohibits committees and parties from accepting cards with billing addresses outside the U.S., except for certain cases involving U.S. citizens.
Allows exceptions if a U.S. citizen living abroad provides their U.S. voter registration address instead of an international billing address.
Requires campaign treasurers to keep records of contributor names and addresses for official reports.
Orders credit card processors that fail to check verification codes or zip codes to pay back the total amount of those contributions.

Who It Names or Affects

Principal campaign committees
Political action committees
Political parties
Credit card processors handling online political donations

Terms To Know

Verification code: A security number on a credit card used to prove the person making the donation has the actual card.
Billing address: The official mailing address linked to a credit card account by the bank or issuer.
Forfeiture: A penalty where money must be given up, in this case equal to the total amount of unverified donations processed.

Limits and Unknowns

The law only applies to contributions made via the Internet using credit cards.
It does not clearly state how committees will verify if a contributor is truly a U.S. citizen living abroad without additional documentation requirements in this text.
The specific process for collecting and enforcing forfeiture payments from processors is not detailed.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

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R 1331

Adopted

Plain English: This amendment changes how credit card processors are held responsible for campaign contributions made with cards that have billing addresses outside the United States.

The text updates Section (d) to specifically address any credit card processor involved in handling these transactions.

The provided amendment text is incomplete and contains formatting errors, making it impossible to fully explain the specific new rules or exceptions.
Because key words are missing between lines 52 and 56, we cannot confirm exactly what actions processors must take or how they will be penalized.

Bill History

2026-04-17 Senate
Enacted
2026-04-09 House
Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 1332 (Yeas 104, Nays 0)
2026-04-09 House
Motion to Adopt - Adopted Roll Call 1331 (Yeas 104, Nays 0)
2026-04-09 Senate
Gudger motion to Concur In and Adopt House Amendment - Adopted Roll Call 1309 (Yeas 33, Nays 0)
2026-04-09 House
Signature Requested
2026-04-09 Senate
Delivered to Governor
2026-04-09 Senate
Enrolled
2026-04-09 Senate
Ready to Enroll
2026-04-09 House
Shaw 1st Amendment Offered
2026-04-09 House
Carried Over to the Call of the Chair
2026-02-25 House
Read for the Second Time and placed on the Calendar
2026-02-25 House
Reported Out of Committee Second House
2026-02-12 Senate
Motion to Read a Third Time and Pass - Adopted Roll Call 382 (Yeas 31, Nays 0)
2026-02-12 Senate
Third Reading in House of Origin (Yeas 30, Nays 0)
2026-02-12 House
Pending Committee Action in Second House
2026-02-12 House
Read for the first time and referred to the House Committee on Ethics and Campaign Finance
2026-02-05 Senate
Read for the Second Time and placed on the Calendar
2026-02-04 Senate
Reported Out of Committee House of Origin
2026-01-13 Senate
Pending Committee Action in House of Origin
2026-01-13 Senate
Read for the first time and referred to the Senate Committee on County and Municipal Government

Official Summary Text

This act: (1) prohibits principal campaign committees, political action committees, and political parties from accepting contributions made with a credit card unless the card verification code is provided to the committee or party by the contributor at the time of contributing and the billing address of the card is in the United States, subject to exceptions for U.S. citizens living abroad; (2) requires these committees and parties to retain contributors' names and addresses; and (3) subjects credit card processors that process such contributions without requiring a verification code or zip code to a forfeiture amount equal to the contributions.

Current Bill Text

Read the full stored bill text

SB92 ENROLLED
Page 0
SB92
V7IGAVP-2
By Senator Orr
RFD: County and Municipal Government
First Read: 13-Jan-26
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SB92 Enrolled
Page 1
First Read: 13-Jan-26
Enrolled, An Act,
Relating to campaign contributions; to prohibit
principal campaign committees, political action committees,
and political parties from accepting contributions made with a
credit card if the billing address associated with the credit
card is outside the United States, with certain exceptions for
contributions from U.S. citizens living outside the United
States.
BE IT ENACTED BY THE LEGISLATURE OF ALABAMA:
Section 1. (a) No principal campaign committee,
political action committee, or political party, as those terms
are defined in Section 17-5-2, Code of Alabama 1975, may
accept any contribution, as defined in Section 17-5-2, Code of
Alabama 1975, made with a credit card via the Internet unless,
at the time of making the contribution: (i) the person making
the contribution provides to the principal campaign committee,
political action committee, or political party the credit card
verification value or code; and (ii) except as provided in
subsection (b), the billing address associated with the credit
card is located in the United States.
(b) If the contribution under subsection (a) is made by
a U.S. citizen living outside of the United States and the
credit card billing address is not a location in the United
States, the individual shall provide to the principal campaign
committee, political action committee, or political party, at
the time of making the contribution, the mailing address of
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SB92 Enrolled
Page 2
the time of making the contribution, the mailing address of
the location in the United States which the individual uses
for voter registration purposes.
(c) The treasurer of each principal campaign committee,
political action committee, and political party shall maintain
the names and addresses of each person making a contribution
under this subsection for purposes of making reports under
Section 17-5-8, Code of Alabama 1975.
(d) Any credit card processor that processes credit
card contributions via the Internet to a principal campaign
committee, political action committee, or political party
without requiring the credit card verification value or code
and a zip code located in the United States or a billing
address located outside the United States is subject to a
forfeiture in an amount equal to the cumulative amount of the
contributions.
Section 2. This act shall become effective on October
1, 2026.
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SB92 Enrolled
Page 3
1, 2026.
________________________________________________
President and Presiding Officer of the Senate
________________________________________________
Speaker of the House of Representatives
SB92
Senate 12-Feb-26
I hereby certify that the within Act originated in and passed
the Senate.
Patrick Harris,
Secretary.
House of Representatives
Amended and passed: 09-Apr-26
Senate concurred in House amendment 09-Apr-26
By: Senator Orr
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