---
type: "Bill"
title: "AN ACT relating to consumer loan companies."
description: "Amend KRS 286.4-530 and 286.4-533 to modify permitted loan charges for consumer loan companies; make technical corrections."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2023RS"
identifier: "SB 165"
citation: "Kentucky SB 165 (2023RS)"
classification: ["bill"]
subjects: ["Banks and Financial Institutions", "Interest and Usury", "Loans and Credit", "Technical Corrections"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 26
vote_count: 2
first_action: "2023-02-17T05:00:00+00:00"
last_action: "2023-03-29T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/c565fb4d-b89b-4331-879c-89fe0c2d19cd"
source_url: "https://apps.legislature.ky.gov/record/23RS/sb165.html"
source_hash: "23aa91079142f8f0138aa588853d30a4ee985719e398977c1ca06f84bfbeaa11"
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-ky"]
---

# Kentucky SB 165 (2023RS) — AN ACT relating to consumer loan companies.

Amend KRS 286.4-530 and 286.4-533 to modify permitted loan charges for consumer loan companies; make technical corrections.

## Version chain

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

1. **Introduced** (filed) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/23RS/sb165/orig_bill.pdf)
2. **Acts Chapter 123** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/23RS/documents/0123.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/23RS/sb165/bill.pdf)

## Votes

- PASS SB 165 — **pass** (pass) · upper
- Final Passage — **pass** (pass) · upper

## Timeline

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

- **2023-02-17T05:00:00+00:00** introduced in Senate `introduction`
- **2023-02-17T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2023-02-21T05:00:00+00:00** to Banking & Insurance (S) `referral-committee`
- **2023-02-28T05:00:00+00:00** reported favorably, 1st reading, to Consent Calendar `committee-passage`
- **2023-03-01T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2023-03-01T05:00:00+00:00** posted for passage in the Consent Orders of the Day for Friday, March 03, 2023
- **2023-03-03T05:00:00+00:00** 3rd reading, passed 34 -0 `passage, reading-3`
- **2023-03-03T05:00:00+00:00** received in House
- **2023-03-03T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2023-03-07T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2023-03-09T05:00:00+00:00** taken from Banking & Insurance (H)
- **2023-03-09T05:00:00+00:00** 1st reading `reading-1`
- **2023-03-09T05:00:00+00:00** returned to Banking & Insurance (H)
- **2023-03-10T05:00:00+00:00** taken from Banking & Insurance (H)
- **2023-03-10T05:00:00+00:00** 2nd reading `reading-2`
- **2023-03-10T05:00:00+00:00** returned to Banking & Insurance (H)
- **2023-03-15T04:00:00+00:00** reported favorably, to Rules `committee-passage`
- **2023-03-15T04:00:00+00:00** taken from Rules
- **2023-03-15T04:00:00+00:00** placed in the Orders of the Day
- **2023-03-16T04:00:00+00:00** 3rd reading, passed 88-0 `passage, reading-3`
- **2023-03-16T04:00:00+00:00** received in Senate
- **2023-03-16T04:00:00+00:00** enrolled, signed by President of the Senate `passage`
- **2023-03-16T04:00:00+00:00** enrolled, signed by Speaker of the House `passage`
- **2023-03-16T04:00:00+00:00** delivered to Governor
- **2023-03-27T04:00:00+00:00** filed without Governor's signature with the Secretary of State
- **2023-03-29T04:00:00+00:00** became law without Governor's Signature (Acts Ch. 123) `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c565fb4d-b89b-4331-879c-89fe0c2d19cd`. Confidence: reported (aggregated from official Kentucky legislature records).