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SB 3321

Illinois Senate•Passed

Summary

SB 3321, “LOC GOV-CREDIT CARD AGREEMENTS”, was introduced in the Senate on Feb 3, 2026 by Sen. Meg Loughran Cappel (D) with 4 co-sponsors. It last saw action on Aug 21, 2026: Public Act . . . . . . . . . 104-0848.

Record

Text

SB 3321 has 4 co-sponsors and 8 roll calls.

sb3321/enrolled.txt
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Full Text of SB3321
Home
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	SB3321 - 104th General Assembly
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		Public Act
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		SB3321 Enrolled		LRB104 18571 RTM 32014 b
    AN ACT concerning local government.
    Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
    Section 5. The Local Governmental Acceptance of Credit
Cards Act is amended by changing Section 20 as follows:
    (50 ILCS 345/20)
    Sec. 20. Election by local governmental entities to accept
credit cards.
    (a) The decision whether to accept credit card payments
for any particular type of obligation shall be made by the
governing body of the local governmental entity that has
general discretionary authority over the manner of acceptance
of payments. The governing body may adopt reasonable rules
governing the manner of acceptance of payments by credit card.
Except as provided in subsection (b) of Section 20-25 of the
Property Tax Code, no decision to accept credit card payments
under this Act shall be made until the governing body has
determined, following a public hearing held not sooner than 10
nor later than 30 days following public notice of the hearing,
that the acceptance of credit card payments for the types of
authorized obligations specified in the public notice is in
the best interests of the citizens and governmental
administration of the local governmental entity or community
		SB3321 Enrolled	- 2 -	LRB104 18571 RTM 32014 b
college and of the students and taxpayers thereof.
    (b) The governing body of the entity accepting payment by
credit card may enter into agreements with one or more
financial institutions or other service providers to
facilitate the acceptance and processing of credit card
payments. Such agreements shall identify the specific services
to be provided, an itemized list of the fees charged, and the
means by which each such fee shall be paid. Such agreements may
include a discount fee to cover the costs of interchange,
assessments and authorizations, a per item processing fee for
the service provider, and any other fee, including a payment
of a surcharge or convenience fee, that may be applicable to
specific circumstances. Any agreement for acceptance of
payments by credit cards may be canceled by the governmental
entity upon giving reasonable notice of intent to cancel. No 
agreement or contract with a local governmental entity may 
prohibit or discriminate against the use of the State 
Treasurer's E-Pay program under the State Treasurer Act or any 
other payment processing system that the local governmental 
entity has procured. Nothing in this subsection prevents a 
local governmental entity from entering into a contract with a 
financial institution that is in compliance with federal and 
State laws prohibiting the tying of financial services by such 
financial institution.
    (c) An entity accepting payments by credit card may pay
amounts due a financial institution or other service provider
		SB3321 Enrolled	- 3 -	LRB104 18571 RTM 32014 b
by (i) paying the financial institution or other service
provider upon presentation of an invoice or (ii) allowing the
financial institution or other service provider to withhold
the amount of the fees from the credit card payment. A discount
or processing fee may be authorized whenever the governing
body of the entity determines that any reduction of revenue
resulting from the discount or processing fee will be in the
best interest of the entity. Items that may be considered in
making a determination to authorize the payment of fees or the
acceptance of a discount include, but are not limited to,
improved governmental cash flows, reduction of governmental
overhead, improved governmental financial security, a
combination of these items, and the benefit of increased
public convenience. No payment to or withheld by a financial
institution or other service provider may exceed the amounts
authorized under subsection (b) of Section 25.
    (d) Unless specifically prohibited by an ordinance or rule
adopted by the governing body of the local governmental
entity, a person may pay multiple tax bills in a single
transaction.
(Source: P.A. 96-1248, eff. 7-23-10.)
    Section 99. Effective date. This Act takes effect upon
becoming law.

Amends the Local Governmental Acceptance of Credit Cards Act. Provides that no agreement or contract with a local governmental entity may prohibit or discriminate against the use of the State Treasurer's E-Pay program under the State Treasurer Act or any other payment processing system that the local governmental entity has procured. Effective immediately.

Sponsors

Sen. Meg Loughran Cappel (D) sponsors SB 3321, and 4 members have co-sponsored it.

Committees

SB 3321 went before 4 committees: Assignments, Local Government, Rules and Financial Institutions and Licensing.

Assignments
Assignments
Referred to · Feb 3, 2026
Local Government
Local Government
Referred to · Feb 17, 2026
Rules
Rules
Referred to · Mar 27, 2026 · 5,290 Bills
Financial Institutions and Licensing
Financial Institutions and Licensing
Referred to · Apr 27, 2026

History

SB 3321 has taken 50 actions since Feb 3, 2026, the latest on Aug 21, 2026.

ChamberAction
Aug 21, 2026
Senate
Governor Approved
Aug 21, 2026
Senate
Effective Date August 21, 2026
Aug 21, 2026
Senate
Public Act . . . . . . . . . 104-0848
Jun 29, 2026
Senate
Sent to the Governor
May 31, 2026
Senate
House Floor Amendment No. 2 Senate Concurs 057-000-000

Votes

SB 3321 went to 8 roll calls across both chambers, the latest on May 31, 2026 at 57–0.

ChamberQuestion
Yea
Nay
May 31, 2026
Senate
Senate Concurrence
57
0
May 30, 2026
Senate
Senate State Government Committee
9
0
May 29, 2026
House
House Third Reading
110
0
May 22, 2026
House
House Financial Institutions & Licensing Committee
9
0
May 5, 2026
House
House Financial Institutions & Licensing Committee
11
0

Source: ilga.gov · legiscan.com