# Illinois HB4592: ACCEPTANCE OF CASH PAYMENTS

Illinois HB4592, ACCEPTANCE OF CASH PAYMENTS, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2026-07-31 (Public Act . . . . . . . . . 104-0665); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-HB4592-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois HB4592
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: ACCEPTANCE OF CASH PAYMENTS
- Status: signed
- Chamber: House
- Introduced: 2026-01-26
- Last action: 2026-07-31, Public Act . . . . . . . . . 104-0665
- Sponsors: no sponsor on record
- Cosponsors: 8
- Subjects: economic opportunity & equity, assignments, commerce
- Touches household money: yes
- Roll calls: 4 (173 yes, 0 no in all)
- Economic provisions PRIA read: 4

## 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.

## Bill overview: provisions PRIA read

- Stores can keep offering discounts: benefit, low. 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: cost, low. 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: mixed, low. 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,…
- Cash fines include a 30-day fix window: mixed, low. 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…

## Sponsors and cosponsors

- Cosponsor: Carol Ammons (Democratic), House
- Cosponsor: Christopher Belt (Democratic), Senate
- Cosponsor: David Koehler (Democratic), Senate
- Cosponsor: Doris Turner (Democratic), Senate
- Cosponsor: Jason Plummer (Republican), Senate
- Cosponsor: Li Arellano, Jr. (Republican), Senate
- Cosponsor: Mark L. Walker (Democratic), Senate
- Cosponsor: Rita Mayfield (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-05-19 | Senate | Third Reading - Passed; | pass | 58 | 0 |   |
| 2026-04-30 | Senate | Do Pass Commerce; | pass | 6 | 0 |   |
| 2026-04-09 | House | Third Reading - Short Debate - Passed | pass | 102 | 0 |   |
| 2026-03-25 | House | Do Pass as Amended / Short Debate Economic Opportunity & Equity Committee; | pass | 7 | 0 |   |

## Actions (39)

- 2026-07-31: Public Act . . . . . . . . . 104-0665 (House)
- 2026-07-31: Effective Date January 1, 2028 (House)
- 2026-07-31: Governor Approved (House)
- 2026-06-18: Sent to the Governor (House)
- 2026-05-20: Added as Alternate Co-Sponsor Sen. Li Arellano, Jr. (Senate)
- 2026-05-19: Added as Alternate Co-Sponsor Sen. Mark L. Walker (Senate)
- 2026-05-19: Added as Alternate Co-Sponsor Sen. David Koehler (Senate)
- 2026-05-19: Passed Both Houses (House)
- 2026-05-19: Third Reading - Passed; 058-000-000 (Senate)
- 2026-05-14: Placed on Calendar Order of 3rd Reading May 18, 2026 (Senate)
- 2026-05-14: Second Reading (Senate)
- 2026-04-30: Added as Alternate Chief Co-Sponsor Sen. Jason Plummer (Senate)
- 2026-04-30: Placed on Calendar Order of 2nd Reading May 5, 2026 (Senate)
- 2026-04-30: Do Pass Commerce; 006-000-000 (Senate)
- 2026-04-24: Added as Alternate Chief Co-Sponsor Sen. Doris Turner (Senate)
- 2026-04-22: Assigned to Commerce (Senate)
- 2026-04-10: Referred to Assignments (Senate)
- 2026-04-10: First Reading (Senate)
- 2026-04-10: Chief Senate Sponsor Sen. Christopher Belt (Senate)
- 2026-04-10: Placed on Calendar Order of First Reading (Senate)
- 2026-04-10: Arrive in Senate (Senate)
- 2026-04-09: Added Chief Co-Sponsor Rep. Carol Ammons (House)
- 2026-04-09: Third Reading - Short Debate - Passed 102-000-000 (House)
- 2026-04-08: Placed on Calendar Order of 3rd Reading - Short Debate (House)
- 2026-04-08: Second Reading - Short Debate (House)
- 2026-03-26: Placed on Calendar 2nd Reading - Short Debate (House)
- 2026-03-25: Do Pass as Amended / Short Debate Economic Opportunity & Equity Committee; 007-000-000 (House)
- 2026-03-25: House Committee Amendment No. 2 Adopted in Economic Opportunity & Equity Committee; by Voice Vote (House)
- 2026-03-25: House Committee Amendment No. 1 Adopted in Economic Opportunity & Equity Committee; by Voice Vote (House)
- 2026-03-20: House Committee Amendment No. 2 Rules Refers to Economic Opportunity & Equity Committee (House)
- 2026-03-19: House Committee Amendment No. 2 Referred to Rules Committee (House)
- 2026-03-19: House Committee Amendment No. 2 Filed with Clerk by Rep. Rita Mayfield (House)
- 2026-03-18: House Committee Amendment No. 1 Rules Refers to Economic Opportunity & Equity Committee (House)
- 2026-03-10: House Committee Amendment No. 1 Referred to Rules Committee (House)
- 2026-03-10: House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield (House)
- 2026-02-11: Assigned to Economic Opportunity & Equity Committee (House)
- 2026-02-03: Referred to Rules Committee (House)
- 2026-02-03: First Reading (House)
- 2026-01-26: Filed with the Clerk by Rep. Rita Mayfield (House)

## Bill text

- Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592eng.pdf)
- Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592enr.pdf)
- House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592ham001.pdf)
- House Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592ham002.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592.pdf)

## Related bills

- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB2563: CONDO-RESERVE STUDY (in committee)
- HB4701: LIMITATIONS FACILITY FEES ACT (in committee)
- SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate)
- SB3484: VEH CD-PLATES-REGISTRATION (signed)

## Sources
- [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592eng.pdf)
- [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592enr.pdf)
- [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592ham001.pdf)
- [House Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592ham002.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4592.pdf)

## Related
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026)
- [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026)
- [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026)
- [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026)
- [Illinois bills](https://policyrisk.com/states/illinois/bills)
- [Illinois state hub](https://policyrisk.com/states/illinois)
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Source: PRIA, https://policyrisk.com/state-bill/IL-HB4592-2025-2026 (as of 2026-11-01).