IllinoisHB4592104th General Assembly (2025–2026)HouseWALLET

ACCEPTANCE OF CASH PAYMENTS

Sponsored By: Sponsor information unavailable

Signed by Governor

Summary

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 higher price or adding any additional fee if a transaction conducted in 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 higher price or adding any additional fee if a transaction conducted in cash. Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that any person engaged in the business of selling or offering to sell goods or services at retail to the public with an individual accepting in-person payments at a physical location shall not: (1) refuse to accept cash as a form of payment for sales of less than $500 made at the physical location; (2) post a sign on the premises stating that cash payment is not accepted; or (3) charge a higher price to customers paying with cash compared to the price charged to customers 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.

economic opportunity & equityassignmentscommerce

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 1 benefits, 1 costs, 2 mixed.

Stores can keep offering discounts

Starting January 1, 2028, no person may stop a retail store from offering discounts, promotions, or other purchase incentives. Stores do not have to offer a deal, and the law does not promise lower prices.

Illinois sets statewide cash rules

Starting January 1, 2028, Illinois reserves cash-acceptance rules to the State. Local governments with home-rule power cannot make their own rules about whether stores accept cash.

Shoppers gain cash payment access

Starting January 1, 2028, covered Illinois stores must accept cash for in-person purchases under $500. At least one checkout must take cash, but stores do not have to accept bills larger than $20. Exceptions include self-checkout, sales from 10 p.m. to 6 a.m., temporary system or change shortages, some member-only stores, and stores that convert cash to prepaid cards on site. Some phone, internet, or app orders completed in person or away from the store are also excluded.

Cash fines include a 30-day fix window

Starting January 1, 2028, a store that breaks the cash rules can be fined after written notice from the county State’s Attorney. The store avoids a fine by fixing the violation within 30 days after notice. Otherwise, the maximum is $50 for a first violation, $100 for a second within 12 months, and $500 for a third or later violation within 12 months. Total fines cannot exceed $5,000 per calendar year.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

  • Carol Ammons

    Democratic • House

  • Christopher Belt

    Democratic • Senate

  • David Koehler

    Democratic • Senate

  • Doris Turner

    Democratic • Senate

  • Jason Plummer

    Republican • Senate

  • Li Arellano, Jr.

    Republican • Senate

  • Mark L. Walker

    Democratic • Senate

  • Rita Mayfield

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 173 • No: 0

Senate vote • 5/19/2026

Third Reading - Passed;

Yes: 58 • No: 0

Senate vote • 4/30/2026

Do Pass Commerce;

Yes: 6 • No: 0

House vote • 4/9/2026

Third Reading - Short Debate - Passed

Yes: 102 • No: 0

House vote • 3/25/2026

Do Pass as Amended / Short Debate Economic Opportunity & Equity Committee;

Yes: 7 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0665

    7/31/2026House
  2. Effective Date January 1, 2028

    7/31/2026House
  3. Governor Approved

    7/31/2026House
  4. Sent to the Governor

    6/18/2026House
  5. Added as Alternate Co-Sponsor Sen. Li Arellano, Jr.

    5/20/2026Senate
  6. Added as Alternate Co-Sponsor Sen. Mark L. Walker

    5/19/2026Senate
  7. Added as Alternate Co-Sponsor Sen. David Koehler

    5/19/2026Senate
  8. Passed Both Houses

    5/19/2026House
  9. Third Reading - Passed; 058-000-000

    5/19/2026Senate
  10. Placed on Calendar Order of 3rd Reading May 18, 2026

    5/14/2026Senate
  11. Second Reading

    5/14/2026Senate
  12. Added as Alternate Chief Co-Sponsor Sen. Jason Plummer

    4/30/2026Senate
  13. Placed on Calendar Order of 2nd Reading May 5, 2026

    4/30/2026Senate
  14. Do Pass Commerce; 006-000-000

    4/30/2026Senate
  15. Added as Alternate Chief Co-Sponsor Sen. Doris Turner

    4/24/2026Senate
  16. Assigned to Commerce

    4/22/2026Senate
  17. Referred to Assignments

    4/10/2026Senate
  18. First Reading

    4/10/2026Senate
  19. Chief Senate Sponsor Sen. Christopher Belt

    4/10/2026Senate
  20. Placed on Calendar Order of First Reading

    4/10/2026Senate
  21. Arrive in Senate

    4/10/2026Senate
  22. Added Chief Co-Sponsor Rep. Carol Ammons

    4/9/2026House
  23. Third Reading - Short Debate - Passed 102-000-000

    4/9/2026House
  24. Placed on Calendar Order of 3rd Reading - Short Debate

    4/8/2026House
  25. Second Reading - Short Debate

    4/8/2026House

Bill Text

  • Engrossed

  • Enrolled

  • House Amendment 1

  • House Amendment 2

  • Introduced

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