All Roll Calls
Yes: 324 • No: 0
KansasSB 1392025–2026 Regular SessionSenateWALLET
Updating certain definitions, terms and conditions relating to the state banking code.
Sponsored By: Sponsor information unavailable
Signed by Governor
financial institutions and pensionsfinancial institutions and insurance
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Bill Overview
Analyzed Economic Effects
10 provisions identified: 3 benefits, 0 costs, 7 mixed.
Illegal to pose as a bank
It is unlawful to advertise or hold out that you do banking or trust business in Kansas without authority from the commissioner. There is an exception for entities with federally insured deposits and proper state or federal charters. For trust work, the entity must be a federally insured bank or credit union that is authorized by another state or the federal government to do trust business in Kansas. A violation is a class A nonperson misdemeanor.
Faster action on unsafe bank practices
The commissioner can charge a bank with unsafe or illegal practices and set a hearing 30 to 60 days after service. Not showing up counts as consent. The state banking board can order a firm to stop the practice and take corrective steps. If a practice risks insolvency, loss of assets, or serious harm to depositors or clients, the commissioner can issue a temporary order that takes effect on service.
Stronger bank board rules in Kansas
Banks and trust companies must have 5 to 25 directors, and most must live in Kansas. Banks must mail at least 10 days’ notice of the annual meeting, keep minutes, and file a certified stockholder list within 15 days. Each director and new officer must take an oath and file it within 15 days. The commissioner may require electronic filing. Banks must notify the commissioner before a new CEO, president, or director starts, and report removals within five business days, with past and current affiliations. A director who owes the bank by judgment, or whose debt is charged off or forgiven, loses the seat.
ATM access expands, $300 offline cap
Banks may offer transactions through remote service units anywhere in Kansas. To use a unit, you must use a machine‑readable card or verified ID. Units must be shared with customers of other banks on fair, nondiscriminatory terms, except units at a bank’s own main office or branch site. Offline cash withdrawals are capped at $300 per transaction and allowed only from personal accounts.
Branch moves and mergers need notice
Kansas banks must apply for commissioner approval to open or move a branch. The application must publish notice in a local paper on the same day for two weeks and allow at least 10 days for comments after the second notice. Branch names cannot copy another bank in the same city or within 15 miles; if the parent name is omitted, a lobby notice is required. If no hearing is held, the commissioner decides within 15 days after a complete filing and after the comment period ends; with a hearing, a decision comes within 60 days. The commissioner may exempt moves of less than one mile. For mergers or transfers, the bank must give the commissioner 10 days’ written notice before closing, publish notice twice with at least 10 days for comments, and surrender any ended charter within 15 days; the charter is void the next business day after closing.
More banking services offered off-site
After notifying the commissioner, a state bank can do loan work off‑site, including taking and approving applications and closings, but it cannot hand out loan funds there. It can do deposit outreach off‑site, but cannot accept deposits in person or by drop box. It may run safe‑deposit boxes, sell traveler’s checks and savings bonds, and cash checks off‑site, as long as no account withdrawal happens there. When a bank closes a branch, loan office, deposit office, or other location, it must tell the commissioner.
New process to transfer trust duties
A contracting trustee can take over fiduciary duties from an originating trustee by written agreement. One of the trustees must have its main office in Kansas. No substitution starts until a complete application, publication for two weeks, mailed notices, and a fee under K.S.A. 9‑1726 are filed and approved. The commissioner rules within 90 days of a complete filing. The originating trustee stays liable for prior breaches and required accounting. If more than 50% of a firm’s fiduciary accounts are transferred, notices must run every day for two weeks and allow at least 10 days for comments after the second notice. Fee money goes to the bank investigation fund. A court can remove the contracting trustee and may award attorney fees; if removal is only because of the agreement, the originating institution pays reasonable transfer costs.
Old banking code sections repealed
The law repeals K.S.A. 9‑519, 9‑1111, 9‑1114, 9‑1724, 9‑1807, 9‑2011, 9‑2101, 9‑2108, 9‑2111, 16‑842 and K.S.A. 2024 Supp. 9‑2107 from the banking code. These sections are removed to update and consolidate the code.
Trust offices need approval and reciprocity
Trust companies must apply for commissioner approval before opening or operating a trust service office in Kansas. Applications need board action, a proposed office name that does not duplicate a nearby bank, proof of publication every day for two weeks with a comment period, and a fee under K.S.A. 9‑1726 paid to the bank investigation fund. The commissioner may exempt a relocation that is less than 10 miles from the current office. Nonresident trust companies cannot open a trust facility in Kansas unless their home state lets Kansas trust companies open there. They must file the home‑state application and proof of reciprocity. Kansas firms must also apply before opening out‑of‑state trust facilities.
Who counts as a bank or company
“Bank” now means an insured bank, but excludes certain national credit‑card banks that meet all five tests: only credit‑card operations; no demand or checkable deposits; no savings or time deposits under $100,000; only one deposit‑taking office; and no commercial loans. “Company” includes corporations, LLCs, trusts, partnerships, associations, and banks, but not those mostly owned by the U.S. or a state. A partnership can be excluded only if the commissioner finds it meets 12 U.S.C. 1841(o)(10).
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 4/23/2026
Yea: 40 Nay: 0
Yes: 40 • No: 0
Senate vote • 4/23/2026
Yea: 122 Nay: 0
Yes: 122 • No: 0
Senate vote • 4/23/2026
Yea: 122 Nay: 0
Yes: 122 • No: 0
Senate vote • 4/23/2026
Yea: 40 Nay: 0
Yes: 40 • No: 0
Actions Timeline
Enrolled and presented to Governor on Friday, April 4, 2025
4/10/2025SenateApproved by Governor on Tuesday, April 8, 2025
4/10/2025SenateConference Committee Report was adopted; Yea: 40 Nay: 0
3/26/2025SenateConference committee report now available
3/25/2025HouseConference Committee Report was adopted; Yea: 122 Nay: 0
3/25/2025HouseMotion to accede adopted; Representative Hoheisel, Representative Stiens and Representative Xu appointed as conferees
3/19/2025HouseNonconcurred with amendments; Conference Committee requested; appointed Senator Dietrich , Senator Fagg and Senator Francisco as conferees
3/18/2025SenateFinal Action - Passed as amended; Yea: 122 Nay: 0
3/17/2025HouseCommittee of the Whole - Committee Report be adopted
3/14/2025HouseCommittee of the Whole - Be passed as amended
3/14/2025HouseCommittee Report recommending bill be passed as amended by Committee on Financial Institutions and Pensions
3/10/2025HouseHearing: Wednesday, March 5, 2025, 9:00 AM Room 582-N
3/5/2025HouseReceived and Introduced
2/20/2025HouseReferred to Committee on Financial Institutions and Pensions
2/20/2025HouseCommittee of the Whole - Be passed
2/19/2025SenateEmergency Final Action - Passed; Yea: 40 Nay: 0
2/19/2025SenateCommittee Report recommending bill be passed by Committee on Financial Institutions and Insurance
2/17/2025SenateHearing: Wednesday, February 12, 2025, 9:30 AM Room 546-S
2/12/2025SenateHearing: Tuesday, February 11, 2025, 9:30 AM Room 546-S
2/11/2025SenateReferred to Committee on Financial Institutions and Insurance
2/3/2025SenateIntroduced
1/31/2025Senate
Bill Text
As Amended by House Committee
As introduced
Enrolled
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