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SB3321 • 2026
LOC GOV-CREDIT CARD AGREEMENTS
This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
LOC GOV-CREDIT CARD AGREEMENTS
These notes stay tied to the official amendment files and metadata from the legislature.
Plain English: Illinois General Assembly - Full Text of SB3321 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Plain English: Illinois General Assembly - Full Text of SB3321 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Sent to the Governor
House Floor Amendment No. 2 Senate Concurs 057-000-000
Senate Concurs
Passed Both Houses
Secretary's Desk - Concurrence House Amendment(s) 2
Placed on Calendar Order of Concurrence House Amendment(s) 2 - May 31, 2026
House Floor Amendment No. 2 Motion to Concur Filed with Secretary Sen. Meg Loughran Cappel
House Floor Amendment No. 2 Motion to Concur Referred to Assignments
House Floor Amendment No. 2 Motion to Concur Assignments Referred to State Government
House Floor Amendment No. 2 Motion To Concur Recommended Do Adopt State Government ; 009-000-000
House Floor Amendment No. 2 Adopted
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading - Short Debate - Passed 110-000-002
House Floor Amendment No. 2 Recommends Be Adopted Financial Institutions and Licensing Committee ; 009-000-000
Third Reading/Final Action Deadline Extended-9(b) May 31, 2026
House Floor Amendment No. 2 Rules Refers to Financial Institutions and Licensing Committee
House Floor Amendment No. 2 Filed with Clerk by Rep. Barbara Hernandez
House Floor Amendment No. 2 Referred to Rules Committee
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
Added Alternate Co-Sponsor Rep. Daniel Didech
Placed on Calendar 2nd Reading - Short Debate
Do Pass / Short Debate Financial Institutions and Licensing Committee ; 011-000-000
House Committee Amendment No. 1 Tabled
House Committee Amendment No. 1 Filed with Clerk by Rep. Barbara Hernandez
House Committee Amendment No. 1 Referred to Rules Committee
Assigned to Financial Institutions and Licensing Committee
First Reading
Referred to Rules Committee
Third Reading - Passed; 046-000-000
Arrived in House
Chief House Sponsor Rep. Barbara Hernandez
Second Reading
Placed on Calendar Order of 3rd Reading March 12, 2026
Do Pass as Amended Local Government ; 009-000-000
Placed on Calendar Order of 2nd Reading March 10, 2026
Added as Co-Sponsor Sen. Napoleon Harris, III
Added as Chief Co-Sponsor Sen. Linda Holmes
Senate Committee Amendment No. 1 Adopted
Senate Committee Amendment No. 1 Assignments Refers to Local Government
Senate Committee Amendment No. 1 Filed with Secretary by Sen. Meg Loughran Cappel
Senate Committee Amendment No. 1 Referred to Assignments
Postponed - Local Government
Assigned to Local Government
Filed with Secretary by Sen. Meg Loughran Cappel
First Reading
Referred to Assignments
LOC GOV-CREDIT CARD AGREEMENTS
Illinois General Assembly - Full Text of SB3321 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein. Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet. The English language version is always the official and authoritative version of this website. NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window. 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Full Text of SB3321 Home Legislation Full Text SB3321 - 104th General Assembly Bill Status Full Text Votes Witness Slips Select Menu Bill Status Full Text Votes Witness Slips Printer Friendly Version Introduced Engrossed Enrolled Senate Amendment 001 House Amendment 001 House Amendment 002 Printer Friendly Version Introduced Engrossed Enrolled Senate Amendment 001 House Amendment 001 House Amendment 002 Open PDF SB3321 Enrolled LRB104 18571 RTM 32014 b 1 AN ACT concerning local government. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 5. The Local Governmental Acceptance of Credit 5 Cards Act is amended by changing Section 20 as follows: 6 (50 ILCS 345/20) 7 Sec. 20. Election by local governmental entities to accept 8 credit cards. 9 (a) The decision whether to accept credit card payments 10 for any particular type of obligation shall be made by the 11 governing body of the local governmental entity that has 12 general discretionary authority over the manner of acceptance 13 of payments. The governing body may adopt reasonable rules 14 governing the manner of acceptance of payments by credit card. 15 Except as provided in subsection (b) of Section 20-25 of the 16 Property Tax Code, no decision to accept credit card payments 17 under this Act shall be made until the governing body has 18 determined, following a public hearing held not sooner than 10 19 nor later than 30 days following public notice of the hearing, 20 that the acceptance of credit card payments for the types of 21 authorized obligations specified in the public notice is in 22 the best interests of the citizens and governmental 23 administration of the local governmental entity or community SB3321 Enrolled - 2 - LRB104 18571 RTM 32014 b 1 college and of the students and taxpayers thereof. 2 (b) The governing body of the entity accepting payment by 3 credit card may enter into agreements with one or more 4 financial institutions or other service providers to 5 facilitate the acceptance and processing of credit card 6 payments. Such agreements shall identify the specific services 7 to be provided, an itemized list of the fees charged, and the 8 means by which each such fee shall be paid. Such agreements may 9 include a discount fee to cover the costs of interchange, 10 assessments and authorizations, a per item processing fee for 11 the service provider, and any other fee, including a payment 12 of a surcharge or convenience fee, that may be applicable to 13 specific circumstances. Any agreement for acceptance of 14 payments by credit cards may be canceled by the governmental 15 entity upon giving reasonable notice of intent to cancel. No 16 agreement or contract with a local governmental entity may 17 prohibit or discriminate against the use of the State 18 Treasurer's E-Pay program under the State Treasurer Act or any 19 other payment processing system that the local governmental 20 entity has procured. Nothing in this subsection prevents a 21 local governmental entity from entering into a contract with a 22 financial institution that is in compliance with federal and 23 State laws prohibiting the tying of financial services by such 24 financial institution. 25 (c) An entity accepting payments by credit card may pay 26 amounts due a financial institution or other service provider SB3321 Enrolled - 3 - LRB104 18571 RTM 32014 b 1 by (i) paying the financial institution or other service 2 provider upon presentation of an invoice or (ii) allowing the 3 financial institution or other service provider to withhold 4 the amount of the fees from the credit card payment. A discount 5 or processing fee may be authorized whenever the governing 6 body of the entity determines that any reduction of revenue 7 resulting from the discount or processing fee will be in the 8 best interest of the entity. Items that may be considered in 9 making a determination to authorize the payment of fees or the 10 acceptance of a discount include, but are not limited to, 11 improved governmental cash flows, reduction of governmental 12 overhead, improved governmental financial security, a 13 combination of these items, and the benefit of increased 14 public convenience. No payment to or withheld by a financial 15 institution or other service provider may exceed the amounts 16 authorized under subsection (b) of Section 25. 17 (d) Unless specifically prohibited by an ordinance or rule 18 adopted by the governing body of the local governmental 19 entity, a person may pay multiple tax bills in a single 20 transaction. 21 (Source: P.A. 96-1248, eff. 7-23-10.) 22 Section 99. Effective date. This Act takes effect upon 23 becoming law. Footer Disclaimer This site is maintained for the Illinois General Assembly by the Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706. 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