# Kentucky SB 219: AN ACT relating to debts. Kentucky SB 219, AN ACT relating to debts., is a 2026 Regular Session Senate bill sponsored by Jason Howell (Republican); status became law, last action 2026-04-12 (became law without Governor's Signature (Acts Ch. 98)); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/KY-SB219-2026RS - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky SB 219 - State: Kentucky - Session: 2026 Regular Session - Title: AN ACT relating to debts. - Status: became law - Chamber: Senate - Introduced: 2026-02-20 - Last action: 2026-04-12, became law without Governor's Signature (Acts Ch. 98) - Sponsor: Jason Howell (Republican) - Cosponsors: 0 - Subjects: Banks And Financial Institutions, Fees, State Agencies - Touches household money: yes - Roll calls: 3 (157 yes, 11 no in all) - Economic provisions PRIA read: 7 ## Summary No summary available. ## Bill overview: provisions PRIA read - Clear, privacy-safe wage garnishment forms: benefit, low. Wage-garnishment orders to employers must fit on one clear page with key facts: debtor’s name and address, debt amount, judgment ID, and where to send payments. A sealed addendum can give the employer the worker’s birth date and Social Security number (or say it is unknown) and other needed identif… - Agencies must align rules with law: benefit, low. Any agency rule that conflicts with Sections 1 or 2 of this law is void. The Department of Financial Institutions and other agencies must fix any conflicts within 90 days of the law’s effective date. - Stronger collections on bounced payday payments: cost, medium. If your payment bounces, the lender can still collect even after the database shows the loan as closed. This applies whether the return happens within or after bank or UCC time limits. Collection does not count as a renewal or roll-over, and it does not trigger new database reporting. - Tighter rules for check-cashing stores: cost, low. Check-cashing stores must verify ID and cannot advertise cashing without ID. They must endorse deposited checks with their business name and cannot change dates on payment instruments. They cannot cash checks payable to an organization unless they first get written proof the person is authorized. I… - Payday loan limits, fees, and rights: mixed, medium. The law sets clear rules for payday-style deferred deposit loans. Fees are capped at $15 per $100, and each fee must cover at least 14 days. You can have no more than two open loans at once, and your total open loan proceeds are capped at $600, adjusted each year by CPI but never above $850. Each l… - Statewide payday loan database and checks: mixed, medium. The state runs a real-time database for payday loans. Before making a loan, lenders must check it to see if you already have open loans; until it is fully ready, they must check their own records. If the database is down, the lender must get your written statement about your open loans and total pr… - Payday data privacy and $3 fee: mixed, low. A $3 fee applies to each payday-loan record sent to the database, and lenders may charge it to you per loan. Your transaction history in the database is confidential and not a public record. The commissioner can require archiving within 365 days after a loan closes, delete identifying info at archi… ## Sponsors and cosponsors - Sponsor: Jason Howell (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-03-31 | Senate | passed | pass | 32 | 6 | | | 2026-03-26 | House | 3rd reading, passed | pass | 87 | 5 | | | 2026-03-10 | Senate | 3rd reading, passed | pass | 38 | 0 | | ## Actions (27) - 2026-04-12: became law without Governor's Signature (Acts Ch. 98) - 2026-04-10: filed without Governor's signature with the Secretary of State - 2026-03-31: delivered to Governor - 2026-03-31: enrolled, signed by Speaker of the House (Senate) - 2026-03-31: enrolled, signed by President of the Senate (Senate) - 2026-03-31: passed 32-6 (Senate) - 2026-03-31: Senate concurred in Committee Substitute (1), Floor Amendment (1) and Committee Amendment (1-title) (Senate) - 2026-03-27: passed over and retained for concurrence in House Committee Substitute (1), Floor Amendment (1) and Committee Amendment (1-title) (House) - 2026-03-27: posted for passage for concurrence in House Committee Substitute (1), Floor Amendment (1) and Committee Amendment (1-title) (House) - 2026-03-27: taken from Rules (Senate) - 2026-03-27: to Rules (S) (Senate) - 2026-03-27: received in Senate (Senate) - 2026-03-26: 3rd reading, passed 87-5 with Committee Substitute (1), Floor Amendment (1) and Committee Amendment (1-title) (House) - 2026-03-24: floor amendment (1) filed to Committee Substitute (House) - 2026-03-20: posted for passage in the Regular Orders of the Day for Tuesday, March 24 2026 (House) - 2026-03-19: 2nd reading, to Rules (House) - 2026-03-18: reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title) (House) - 2026-03-13: to Banking & Insurance (H) (House) - 2026-03-11: to Committee on Committees (H) (House) - 2026-03-11: received in House (House) - 2026-03-10: 3rd reading, passed 38-0 (Senate) - 2026-03-06: posted for passage in the Regular Orders of the Day for Tuesday, March 10 2026 (Senate) - 2026-03-04: 2nd reading, to Rules (Senate) - 2026-03-03: reported favorably, 1st reading, to Calendar (Senate) - 2026-02-27: to Banking & Insurance (S) (Senate) - 2026-02-20: to Committee on Committees (S) (Senate) - 2026-02-20: introduced in Senate (Senate) ## Bill text - Current, 2026-03-31: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb219/bill.pdf) - Introduced, 2026-03-10: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb219/orig_bill.pdf) ## Related bills - SB 197: AN ACT providing funding and establishing conditions for state government agencies and institutions, making an appropriation therefor, and declaring an emergen… (became law) - SB 133: AN ACT relating to the fiscal reporting of local entities. (signed) - HB 869: AN ACT relating to fiscal matters and declaring an emergency. (signed) - SB 324: AN ACT relating to the entertainment industry. (signed) - SB 66: AN ACT relating to the operation of a motor vehicle. (signed) - HB 826: AN ACT relating to education. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb219/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb219/orig_bill.pdf) ## Related - [SB 197: AN ACT providing funding and establishing conditions for state government agenc…](https://policyrisk.com/state-bill/KY-SB197-2026RS) - [SB 133: AN ACT relating to the fiscal reporting of local entities.](https://policyrisk.com/state-bill/KY-SB133-2026RS) - [HB 869: AN ACT relating to fiscal matters and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB869-2026RS) - [SB 324: AN ACT relating to the entertainment industry.](https://policyrisk.com/state-bill/KY-SB324-2026RS) - [SB 66: AN ACT relating to the operation of a motor vehicle.](https://policyrisk.com/state-bill/KY-SB66-2026RS) - [HB 826: AN ACT relating to education.](https://policyrisk.com/state-bill/KY-HB826-2026RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-SB219-2026RS (as of 2026-11-01).