All Roll Calls
Yes: 539 • No: 35
NebraskaLB838109th Legislature 1st and 2nd SessionslegislatureWALLET
Change provisions relating to the financial exploitation of vulnerable or senior adults, rules and codes of procedure, decedents' estates, inheritance taxes, deceptive trade practices, the Age-Appropriate Online Design Code Act, the Equipment Business Regulation Act, the Nebraska Money Transmitters Act, and the Nebraska Uniform Trust Code and provide for rounding of certain cash transaction amounts
Sponsored By: Mike Jacobson
Signed by Governor
Banking, Commerce and Insurance Committee
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Bill Overview
Analyzed Economic Effects
9 provisions identified: 4 benefits, 2 costs, 3 mixed.
Banks can pause suspect elder fraud
Banks may delay or refuse transactions when they reasonably believe a senior or vulnerable adult faces financial exploitation. They can pause withdrawals, transfers, ownership changes, power-of-attorney instructions, and beneficiary changes. Banks can notify trusted contacts, but may hold back notice if the contact might be involved or law enforcement asks. Banks and staff are protected from lawsuits if they act in good faith under these rules. A named authorized contact is also protected when acting in good faith with reasonable care.
Limits on tracking, ads, and alerts for kids
Covered services may collect only the minimum data needed for the feature a child uses, and must delete age‑check data after verification. Services cannot show targeted ads to children or ads for drugs, tobacco, gambling, or alcohol. Profiling a child is only allowed when needed for a feature the child is actively using. Services cannot use dark patterns and cannot offer a single switch that lowers all privacy defaults. They also cannot ask a child to lower privacy unless that change is strictly needed for a feature the child clearly asked for. Services may not send notifications to children from 10 p.m. to 6 a.m., or from 8 a.m. to 4 p.m. on school‑year weekdays, in the child’s local time. More companies are covered because services that earn at least 50% of revenue from selling or sharing personal data now count as covered.
Stronger online safety tools for kids
Covered services must turn on the safest settings by default for known child accounts. Parents get built‑in tools to manage privacy, limit or block purchases, see total time spent, and set time limits, including at night and during school hours. Services must show a clear signal when parental monitoring is on and when a child’s precise location is being used. Minors get easy controls to limit who can contact them and to hide personal data. Each service must offer a clear tool to delete or unpublish a minor’s account, and must finish the request within 15 days.
Stronger legal tools for equipment dealers
Contract terms that conflict with the Equipment Business Regulation Act are void. Dealers can sue suppliers for damages and recover reasonable attorney’s fees. Dealers can also seek court orders to stop unlawful terminations, cancellations, nonrenewals, or harmful competitive changes. These remedies are in addition to other rights.
25% tax on some remittances
The law adds a 25% excise tax when you send a remittance to a resident of a listed foreign adversary country. Cuba and Venezuela are excluded. You, the sender, must pay the tax at the time of transfer. If you do not, the provider is liable and must collect it. Providers must send the tax to the Nebraska Department of Revenue every quarter. Some transfers are exempt. There is no tax if the sender or recipient is active duty military or a dependent and shows valid military ID. There is also no tax if the money comes from a covered U.S. financial account or is paid with a debit or credit card issued in the United States.
Stricter foreign‑adversary checks on transmitters
The law defines who counts as a foreign adversary person, including entities tied to listed countries, 25%‑owned entities, and those under their control. Applicants, key individuals, and persons in control must certify they are not foreign adversary persons and provide enough information for the director to verify it. If someone fails to show they are not a foreign adversary, they are presumed unfit unless they prove four things by clear and convincing evidence, including an enforceable exemption, U.S. auditor quarterly checks, and a notice policy to users and the Attorney General. These rules apply to current and future licenses. Within 60 days of the section’s start, the director must request added information and certifications, and licensees have 60 days to respond or face revocation proceedings. Within 30 days, the director must issue forms and instructions that collect the needed information. The Banking and Revenue Departments can share requested transmitter data with each other to enforce these rules.
Money transmitter fee and paperwork changes
A Nebraska money transmitter application must include a $1,500 nonrefundable fee. The director may waive some non‑fee application requirements or allow alternate information. The director cannot waive the $1,500 fee.
Cash totals rounded to nearest nickel
If you pay in cash, the final cash total may be rounded to the nearest five cents. Totals ending in 1, 2, 6, or 7 cents round down. Totals ending in 3, 4, 8, or 9 cents round up. Totals of 1 or 2 cents must be rounded up to 5 cents. This applies only to the final cash amount. The sales price, taxes, and fees are figured before rounding. Sellers must use one consistent rounding method per location, and noncash payment applies first in mixed payments.
Technical compliance rules for transmitters
For phone or online requests, a provider may decide a person is in Nebraska based on home, business, or account addresses on file. Family and co‑resident ownership stakes are added together when deciding who controls a company. Average daily money transmission liability is the sum of each day’s end‑of‑day obligations in a calendar quarter divided by the number of days in that quarter. Only the top three credit rating categories count as eligible ratings (A‑ or higher long‑term; A‑2 or SP‑2 or higher short‑term, or equivalents). If ratings differ, the highest rating applies.
Sponsors & Cosponsors
Sponsor
Mike Jacobson
legislature
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
legislature vote • 4/24/2026
Vote
Yes: 34 • No: 2 • Other: 13
legislature vote • 4/24/2026
Vote
Yes: 46 • No: 0 • Other: 3
legislature vote • 4/24/2026
Vote
Yes: 22 • No: 6 • Other: 21
legislature vote • 4/24/2026
Vote
Yes: 34 • No: 0 • Other: 15
legislature vote • 4/24/2026
Vote
Yes: 25 • No: 4 • Other: 20
legislature vote • 4/24/2026
Vote
Yes: 33 • No: 3 • Other: 13
legislature vote • 4/24/2026
Vote
Yes: 35 • No: 1 • Other: 13
legislature vote • 4/10/2026
Final Reading
Yes: 46 • No: 3
legislature vote • 3/18/2026
Vote
Yes: 46 • No: 0 • Other: 3
legislature vote • 3/18/2026
Vote
Yes: 33 • No: 3 • Other: 13
legislature vote • 3/18/2026
Vote
Yes: 34 • No: 0 • Other: 15
legislature vote • 3/18/2026
Vote
Yes: 22 • No: 6 • Other: 21
legislature vote • 3/18/2026
Vote
Yes: 25 • No: 4 • Other: 20
legislature vote • 3/5/2026
Vote
Yes: 34 • No: 2 • Other: 13
legislature vote • 3/5/2026
Vote
Yes: 35 • No: 0 • Other: 14
legislature vote • 3/5/2026
Vote
Yes: 35 • No: 1 • Other: 13
Actions Timeline
Presented to Governor on April 10, 2026
4/17/2026legislatureApproved by Governor on April 14, 2026
4/17/2026legislatureDispensing of reading at large approved
4/10/2026legislaturePassed on Final Reading with Emergency Clause 46-3*-0
4/10/2026legislaturePresident/Speaker signed
4/10/2026legislaturePlaced on Final Reading with ST70
3/25/2026legislatureEnrollment and Review ST70 filed
3/25/2026legislatureEnrollment and Review ST70 recorded
3/25/2026legislatureEnrollment and Review ER141 adopted
3/18/2026legislatureMcKinney MO499 withdrawn
3/18/2026legislatureMcKinney MO500 withdrawn
3/18/2026legislatureMcKinney MO501 withdrawn
3/18/2026legislatureJacobson FA1031 withdrawn
3/18/2026legislatureNo objections to unanimous consent to withdraw and substitute amendment
3/18/2026legislatureKauth FA478 withdrawn
3/18/2026legislatureRaybould FA1058 filed
3/18/2026legislatureRaybould FA1058 adopted
3/18/2026legislatureKauth AM2658 adopted
3/18/2026legislatureBosn AM2635 adopted
3/18/2026legislatureConrad AM2637 lost
3/18/2026legislatureConrad AM2672 adopted
3/18/2026legislatureAdvanced to Enrollment and Review for Engrossment
3/18/2026legislatureBosn AM2635 filed
3/17/2026legislatureConrad AM2637 filed
3/17/2026legislatureConrad AM2672 filed
3/17/2026legislature
Bill Text
Introduced
4/17/2026
Enrolled / Slip Law
Final / Enacted