Bill Commons

KY SB 158

enacted

AN ACT relating to products that offer benefits in connection with personal property.

Kentucky · 2026 Regular Session · upper

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
Status date
—
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

  1. 2026-02-03

    introduced in Senate

    introduction

  2. 2026-02-03

    to Committee on Committees (S)

    referral-committee

  3. 2026-02-06

    to Banking & Insurance (S)

    referral-committee

  4. 2026-02-10

    reported favorably, 1st reading, to Calendar

    committee-passage

  5. 2026-02-11

    2nd reading, to Rules

    reading-2

  6. 2026-02-11

    posted for passage in the Regular Orders of the Day for Thursday, February 12 2026

  7. 2026-02-12

    3rd reading, passed 37-0

    passage,reading-3

  8. 2026-02-13

    received in House

  9. 2026-02-13

    to Committee on Committees (H)

    referral-committee

  10. 2026-03-05

    to Banking & Insurance (H)

    referral-committee

  11. 2026-03-11

    reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title)

    committee-passage

  12. 2026-03-12

    2nd reading, to Rules

    reading-2

  13. 2026-03-20

    posted for passage in the Regular Orders of the Day for Tuesday, March 24 2026

  14. 2026-03-24

    3rd reading, passed 92-0 with Committee Substitute (1) and Committee Amendment (1-title)

    passage,reading-3

  15. 2026-03-25

    received in Senate

  16. 2026-03-25

    to Rules (S)

    referral-committee

  17. 2026-03-25

    taken from Rules

  18. 2026-03-25

    posted for passage for concurrence in House Committee Substitute (1) and Committee Amendment (1-title)

  19. 2026-03-25

    Senate concurred in Committee Substitute (1) and Committee Amendment (1-title)

  20. 2026-03-25

    passed 38-0

    passage

  21. 2026-03-25

    enrolled, signed by President of the Senate

    passage

  22. 2026-03-25

    enrolled, signed by Speaker of the House

    passage

  23. 2026-03-25

    delivered to Governor

  24. 2026-04-03

    signed by Governor (Acts Ch. 16)

    executive-signature

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

https://apps.legislature.ky.gov/record/26RS/sb158.html

Attribution

Data from openstates_bulk_csv, retrieved 2026-07-24T05:22:24.357326Z

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