KY SB 158
enactedAN ACT relating to products that offer benefits in connection with personal property.
Kentucky · 2026 Regular Session · upper
Subscribe in a feed reader. The feed covers recorded actions from the last 30 days; Bill Commons may record an action after it happened at the legislature.
Quick answers
Did KY SB 158 pass?
Yes. KY SB 158 has been enacted into law. Latest recorded action (2026-04-03): signed by Governor (Acts Ch. 16)
What is KY SB 158 about?
Create new sections of KRS Chapter 367 to establish regulatory requirements for vehicle financial protection products; establish the purpose of the requirements; define terms; provide that vehicle financial protection products issued before, on, or after the effective date of the Act shall not be considered insurance; establish exemptions from the regulatory requirements; provide that amounts charged or financed for vehicle financial protection products are authorized charges to be stated separately and shall not be considered a finance charge or interest; prohibit conditioning the extension of credit, terms of a loan, or terms of a related vehicle sale or lease from being conditioned on the consumer's payment for a vehicle financial protection product; establish requirements for debt waivers; establish requirements for vehicle value protection agreements; amend KRS 190.100 and create a new section of Subtitle 4 of KRS Chapter 286 to require retail installment contracts and consumer loan companies to comply with the regulatory requirements for vehicle financial protection products; amend KRS 304.1-120 to conform; direct that the Act applies to vehicle financial protection products that become effective on or after January 1, 2027; EFFECTIVE January 1, 2027.
Who sponsors KY SB 158?
J. Howell is the primary sponsor of KY SB 158.
Description
Create new sections of KRS Chapter 367 to establish regulatory requirements for vehicle financial protection products; establish the purpose of the requirements; define terms; provide that vehicle financial protection products issued before, on, or after the effective date of the Act shall not be considered insurance; establish exemptions from the regulatory requirements; provide that amounts charged or financed for vehicle financial protection products are authorized charges to be stated separately and shall not be considered a finance charge or interest; prohibit conditioning the extension of credit, terms of a loan, or terms of a related vehicle sale or lease from being conditioned on the consumer's payment for a vehicle financial protection product; establish requirements for debt waivers; establish requirements for vehicle value protection agreements; amend KRS 190.100 and create a new section of Subtitle 4 of KRS Chapter 286 to require retail installment contracts and consumer loan companies to comply with the regulatory requirements for vehicle financial protection products; amend KRS 304.1-120 to conform; direct that the Act applies to vehicle financial protection products that become effective on or after January 1, 2027; EFFECTIVE January 1, 2027.
- Introduced
- 2026-02-03
- Latest action
- 2026-04-03 — signed by Governor (Acts Ch. 16)
- Bill type
- bill
- Last updated
- —
Subjects
Sponsors
- J. Howellprimary
Committees
Not provided by source.
Action timeline
Newest first
2026-04-03
signed by Governor (Acts Ch. 16)
executive-signature
2026-03-25
delivered to Governor
2026-03-25
enrolled, signed by Speaker of the House
passage
2026-03-25
enrolled, signed by President of the Senate
passage
2026-03-25
passed 38-0
passage
2026-03-25
Senate concurred in Committee Substitute (1) and Committee Amendment (1-title)
2026-03-25
posted for passage for concurrence in House Committee Substitute (1) and Committee Amendment (1-title)
2026-03-25
taken from Rules
2026-03-25
to Rules (S)
referral-committee
2026-03-25
received in Senate
2026-03-24
3rd reading, passed 92-0 with Committee Substitute (1) and Committee Amendment (1-title)
passage,reading-3
2026-03-20
posted for passage in the Regular Orders of the Day for Tuesday, March 24 2026
2026-03-12
2nd reading, to Rules
reading-2
2026-03-11
reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title)
committee-passage
2026-03-05
to Banking & Insurance (H)
referral-committee
2026-02-13
to Committee on Committees (H)
referral-committee
2026-02-13
received in House
2026-02-12
3rd reading, passed 37-0
passage,reading-3
2026-02-11
posted for passage in the Regular Orders of the Day for Thursday, February 12 2026
2026-02-11
2nd reading, to Rules
reading-2
2026-02-10
reported favorably, 1st reading, to Calendar
committee-passage
2026-02-06
to Banking & Insurance (S)
referral-committee
2026-02-03
to Committee on Committees (S)
referral-committee
2026-02-03
introduced in Senate
introduction
Versions
Documents
Votes
PASS SB 158
2026-02-12 · pass · 37-0
Member-level votes (38)
- Berg: yes
- Givens: yes
- Neal: yes
- Storm: yes
- Carpenter: yes
- Herron: yes
- Nemes: yes
- Thomas: yes
- Carroll: yes
- Higdon: yes
- Nunn: yes
- Tichenor: yes
- ChambersArmstrong: yes
- Howell: yes
- Raque Adams: yes
- Webb: yes
- Clemons: yes
- Madon: yes
- Rawlings: yes
- West: yes
- Deneen: yes
- Mays Bledsoe: yes
- Reed: yes
- Wheeler: yes
- Douglas: yes
- McDaniel: yes
- Richardson: yes
- Williams: yes
- Elkins: yes
- Meredith: yes
- Smith: yes
- Wilson: yes
- Funke Frommeyer: yes
- Mills: yes
- Stivers: yes
- Wise: yes
- Girdler: yes
- Boswell: not voting
Pass
2026-03-24 · pass · 92-0
Member-level votes (100)
- Aull: yes
- Doan: yes
- Hart: yes
- McCool: yes
- Roberts: yes
- Baker: yes
- Donworth: yes
- Heavrin: yes
- McPherson: yes
- Sharp: yes
- Bauman: yes
- Dossett: yes
- Hodgson: yes
- Meade: yes
- Smith: yes
- Bivens: yes
- Dotson: yes
- Holloway: yes
- Meredith: yes
- Stalker: yes
- Blanton: yes
- Duvall: yes
- Huff T: yes
- Miles: yes
- Stevenson P: yes
- Bojanowski: yes
- Elliott: yes
- Imes: yes
- Moore: yes
- Tate: yes
- Bowling: yes
- Fister: yes
- Jackson: yes
- Moser: yes
- Thomas: yes
- Branscum: yes
- Flannery: yes
- Johnson: yes
- Neighbors: yes
- Thompson: yes
- Bratcher S.: yes
- Fleming: yes
- Koch: yes
- Nemes: yes
- Tipton: yes
- Bray: yes
- Freeland: yes
- Kulkarni: yes
- Osborne: yes
- Truett: yes
- Bridges: yes
- Fugate: yes
- Lawrence: yes
- Payne: yes
- Upchurch: yes
- Brown: yes
- Gentry: yes
- Lehman: yes
- Petrie: yes
- Watkins: yes
- Burke: yes
- Gordon: yes
- Lewis C: yes
- Pollock: yes
- Wesley: yes
- Calloway: yes
- Griffee: yes
- Lewis D: yes
- Proctor: yes
- Whitaker: yes
- Camuel: yes
- Grossberg: yes
- Lewis S: yes
- Rabourn: yes
- White: yes
- Chester-Burton: yes
- Grossl: yes
- Lockett: yes
- Raymer: yes
- Williams: yes
- Clines: yes
- Hale: yes
- Marzian: yes
- Riley: yes
- Willner: yes
- Decker: yes
- Hampton: yes
- Massaroni: yes
- Roarx: yes
- Witten: yes
- Dietz: yes
- Hancock: yes
- Banta: not voting
- Gooch: not voting
- Maddox: not voting
- Tackett Laferty: not voting
- Wilson: not voting
- Callaway: not voting
- King: not voting
- Rudy: not voting
FINAL PASSAGE OF SB 158 w/ HCS 1, HCA 1 (T)
2026-03-25 · pass · 38-0
Member-level votes (38)
- Berg: yes
- Girdler: yes
- Neal: yes
- Storm: yes
- Boswell: yes
- Givens: yes
- Nemes: yes
- Thomas: yes
- Carpenter: yes
- Herron: yes
- Nunn: yes
- Tichenor: yes
- Carroll: yes
- Higdon: yes
- Raque Adams: yes
- Webb: yes
- ChambersArmstrong: yes
- Howell: yes
- Rawlings: yes
- West: yes
- Clemons: yes
- Madon: yes
- Reed: yes
- Wheeler: yes
- Deneen: yes
- Mays Bledsoe: yes
- Richardson: yes
- Williams: yes
- Douglas: yes
- McDaniel: yes
- Smith: yes
- Wilson: yes
- Elkins: yes
- Meredith: yes
- Stivers: yes
- Wise: yes
- Funke Frommeyer: yes
- Mills: yes
Related bills
No related bills recorded for this bill.
Official source
Attribution
Data from openstates_bulk_csv, retrieved 2026-07-24T05:22:24.357326Z
Inspect retained evidence for changes recorded after evidence tracking began:
Session-wide evidence can include changes to other bills:
Use this data
Every field on this page is available from the free public API — no key or licence required. Fetch this bill as JSON: GET /api/v1/bills?jurisdiction=KY&identifier=SB 158. See the API docs or the MCP server for AI assistants.
Known limitations
- Sponsor party and chamber affiliation are not yet captured by this API.
- Committee referrals are not yet captured.
See the methodology page for data sources and limitations.