---
type: "Bill"
title: "Electronic fund transfers; Office of AG shall convene work group to review fraudulent activity, etc."
description: "Office of the Attorney General; work group; fraudulent activity in electronic fund transfers; report. Directs the Office of the Attorney General to convene a work group to review the Electronic Funds Transfers Act, develop recommendations to aid individuals in the Commonwealth in preventing and mitigating fraudulent activity in electronic fund transfers, and submit a report of its findings and recommendations to the General Assembly no later than December 1, 2026."
jurisdiction: "us/states/va"
legislature: "Virginia General Assembly"
session: "2026"
identifier: "HB 190"
citation: "Virginia HB 190 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Kelly K. Convirs-Fowler"]
version_count: 6
action_count: 40
vote_count: 7
first_action: "2026-01-07"
last_action: "2026-04-13"
source: "openstates"
source_identifier: "ocd-bill/989bf84a-088f-4429-a293-515b8226a5aa"
source_url: "https://lis.virginia.gov/bill-details/20261/HB190"
source_hash: "d996c782add91ae46d329e443ccdf5ee962535355edbfdff4877f3583c4acd5a"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-va"]
---

# Virginia HB 190 (2026) — Electronic fund transfers; Office of AG shall convene work group to review fraudulent activity, etc.

Office of the Attorney General; work group; fraudulent activity in electronic fund transfers; report. Directs the Office of the Attorney General to convene a work group to review the Electronic Funds Transfers Act, develop recommendations to aid individuals in the Commonwealth in preventing and mitigating fraudulent activity in electronic fund transfers, and submit a report of its findings and recommendations to the General Assembly no later than December 1, 2026.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://lis.blob.core.windows.net/files/1082797.PDF)
2. **Chaptered** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1218790.PDF)
3. **Labor and Commerce Substitute** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1129878.PDF)
4. **Senator Deeds Substitute** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1182217.PDF)
5. **Subcommittee #1 Subcommittee Substitute** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1115849.PDF)
6. **Enrolled** (enrolled) — [source](https://lis.blob.core.windows.net/files/1197780.PDF)

## Votes

- Passage R — **37–0** (pass) · upper
- Reported from Commerce and Labor — **15–0** (pass) · upper
- Constitutional reading dispensed (on 2nd reading) — **40–0** (pass) · upper
- Reported from Labor and Commerce with substitute — **21–1** (pass) · lower
- Subcommittee recommends reporting with substitute — **9–0** (pass) · lower
- H VOTE: — **95–1** (pass) · lower
- H VOTE: — **97–0** (pass) · lower

## Sponsors

- Kelly K. Convirs-Fowler — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2026-01-07** Prefiled and ordered printed; Offered 01-14-2026 26101464D `filing, introduction`
- **2026-01-07** Referred to Committee on Labor and Commerce `referral-committee`
- **2026-01-15** Assigned HCL sub: Subcommittee #1 `referral-committee`
- **2026-01-29** Fiscal Impact Statement from State Corporation Commission (HB190)
- **2026-02-03** House subcommittee offered
- **2026-02-03** Subcommittee recommends reporting with substitute (9-Y 0-N) `substitution`
- **2026-02-05** Reported from Labor and Commerce with substitute (21-Y 1-N) `committee-passage`
- **2026-02-05** Committee substitute printed 26105752D-H1 `substitution`
- **2026-02-09** Read first time `reading-1`
- **2026-02-10** Read second time `reading-2`
- **2026-02-10** committee substitute agreed to `substitution`
- **2026-02-10** Engrossed by House - committee substitute `substitution`
- **2026-02-11** Read third time and passed House (95-Y 1-N 0-A) `passage, reading-3`
- **2026-02-12** Constitutional reading dispensed (on 1st reading)
- **2026-02-12** Referred to Committee on Commerce and Labor `referral-committee`
- **2026-02-23** Reported from Commerce and Labor (15-Y 0-N) `committee-passage`
- **2026-02-25** Rules suspended
- **2026-02-25** Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A)
- **2026-02-25** Passed by for the day Block Vote (Voice Vote)
- **2026-02-26** Floor substitute printed 26108664D-S1 (Deeds)
- **2026-02-26** Read third time `reading-3`
- **2026-02-26** Floor offered Senator Deeds Substitute
- **2026-02-26** Reading of substitute waived (Voice Vote)
- **2026-02-26** Senator Deeds Substitute agreed to
- **2026-02-26** Engrossed by Senate - floor substitute
- **2026-02-26** Passed by for the day
- **2026-02-27** Read third time `reading-3`
- **2026-02-27** Passed Senate (37-Y 0-N 0-A) `passage`
- **2026-03-02** Fiscal Impact Statement from Department of Planning and Budget (HB190)
- **2026-03-03** Senate substitute agreed to by House (97-Y 0-N 0-A) `substitution`
- **2026-03-10** Enrolled `enrolled`
- **2026-03-10** Fiscal Impact Statement from Department of Planning and Budget (HB190)
- **2026-03-10** Enrolled `enrolled`
- **2026-03-10** Bill text as passed House and Senate (HB190ER) `passage`
- **2026-03-10** Signed by Speaker `passage`
- **2026-03-10** Signed by President `passage`
- **2026-03-14** Enrolled Bill communicated to Governor on March 14, 2026 `enrolled, executive-receipt`
- **2026-03-14** Governor's Action Deadline 11:59 p.m., April 13, 2026 `executive-receipt`
- **2026-04-13** Approved by Governor-Chapter 576 (effective 7/1/2026) `executive-signature`
- **2026-04-13** Acts of Assembly Chapter text (CHAP0576)

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/989bf84a-088f-4429-a293-515b8226a5aa`. Confidence: reported (aggregated from official Virginia legislature records).