ACCEPTANCE OF CASH PAYMENTS

Illinois General Assembly - Full Text of SB3997

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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
SB3997

Introduced 2/6/2026, by Sen. Jason Plummer

SYNOPSIS AS INTRODUCED:

20 ILCS 5/5-735 new
50 ILCS 345/1
50 ILCS 345/40 new
815 ILCS 505/MMMM new

Amends the Civil Administrative Code of Illinois. Provides that a
State agency shall accept cash when offered as payment for any transaction
totaling $500 or less. Prohibits a State agency from charging a person
making a cash payment a higher price compared to the price charged to a
person not paying with cash. Amends the Local Governmental Acceptance of
Credit Cards Act. Changes the name of the Act to the Local Governmental
Acceptance of Credit Cards and Cash Act. Provides that a unit of local
government shall accept cash when offered as payment for any transaction
totaling $500 or less. Prohibits a unit of local government from charging a
person making a cash payment a higher price compared to the price charged
to a person not paying with cash. Amends the Consumer Fraud and Deceptive
Business Practices Act. Provides that a person selling or offering for
sale goods or services at retail shall: (1) accept cash when offered by a
buyer as payment for any debt, purchase, or transaction totaling $500 or
less; (2) provide at least one point-of-sale station, either automated or
operated by a person, that allows a buyer to pay using cash as payment; and
(3) not charge a person making a cash payment a higher price compared to
the price charged to a person not paying with cash. Sets forth exceptions
to the provision. Provides that a violation of the provision is an unlawful
practice within the meaning of the Act.
LRB104 20028 SPS 33479 b

A BILL FOR

SB3997
LRB104 20028 SPS 33479 b
1

AN ACT concerning business.

2

Be it enacted by the People of the State of Illinois,
3
represented in the General Assembly:

4

Section 5.
The Civil Administrative Code of Illinois is
5
amended by adding Sections 5-735 and 40 as follows:

6

(20 ILCS 5/5-735 new)
7

Sec. 5-735.
State agencies prohibited from refusing cash
8
payments.
9

(a) As used in this Section, "cash" means the coin and
10
paper money of the United States.
11

(b) A State agency shall accept cash when offered as
12
payment for any debt, purchase, or transaction totaling $500
13
or less. A State agency shall not charge a person making a cash
14
payment a higher price compared to the price charged to a
15
person not paying with cash.
16

(c) This Section does not apply to a transaction conducted
17
by mail, telephone, or Internet.

18

Section 10.
The Local Governmental Acceptance of Credit
19
Cards Act is amended by changing Section 1 and by adding
20
Section 40 as follows:

21

(50 ILCS 345/1)

SB3997
- 2 -
LRB104 20028 SPS 33479 b
1

Sec. 1.
Short title.
This Act may be cited as the Local
2
Governmental Acceptance of Credit Cards
and Cash
Act.
3
(Source: P.A. 90-518, eff. 8-22-97.)

4

(50 ILCS 345/40 new)
5

Sec. 40.
Units of local government prohibited from
6
refusing cash payments.
7

(a) As used in this Section, "cash" means the coin and
8
paper money of the United States.
9

(b) A unit of local government shall accept cash when
10
offered as payment for any debt, purchase, or transaction
11
totaling $500 or less. A unit of local government shall not
12
charge a person making a cash payment a higher price compared
13
to the price charged to a person not paying with cash.
14

(c) This Section does not apply to a transaction conducted
15
by mail, telephone, or Internet.

16

Section 15.
The Consumer Fraud and Deceptive Business
17
Practices Act is amended by adding Section MMMM as follows:

18

(815 ILCS 505/MMMM new)
19

Sec. MMMM.
Retail businesses prohibited from refusing cash
20
payments.
21

(a) As used in this Section, "cash" means the coin and
22
paper money of the United States.
23

(b) A person selling or offering for sale goods or

SB3997
- 3 -
LRB104 20028 SPS 33479 b
1
services at retail shall:
2

(1) accept cash when offered by a buyer as payment for
3

any debt, purchase, or transaction totaling $500 or less;
4

(2) provide at least one point-of-sale station, either
5

automated or operated by a person, that allows a buyer to
6

pay using cash as payment; and
7

(3) not charge a person making a cash payment a higher
8

price compared to the price charged to a person not paying
9

with cash.

10

(c) This Section does not apply to a transaction conducted
11
by mail, telephone, or Internet.
12

(d) This Section does not apply to a person selling goods
13
or services at an airport.

14

(e) Any person who violates this Section commits an
15
unlawful practice within the meaning of this Act.

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