---
type: "Bill"
title: "AN ACT relating to deferred deposit transactions."
description: "Amend KRS 286.9-100 to modify requirements for entering into a deferred deposit transaction; make technical amendments; amend KRS 286.9-140 to modify fee that the financial institutions commissioner shall impose for each deferred deposit database transaction; make technical amendments."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2024RS"
identifier: "HB 495"
citation: "Kentucky HB 495 (2024RS)"
classification: ["bill"]
subjects: ["Banks and Financial Institutions", "Fees", "Loans and Credit", "State Agencies", "Technical Corrections"]
status: "enacted"
primary_sponsors: ["J. Dixon"]
version_count: 3
action_count: 28
vote_count: 2
first_action: "2024-02-08T05:00:00+00:00"
last_action: "2024-04-04T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/93d33bc2-2b51-426a-9b33-ae0824b9ccaf"
source_url: "https://apps.legislature.ky.gov/record/24RS/hb495.html"
source_hash: "530175cdbf28a0138c51278451bc0d62821b9744c247a1c4a5d0c1307e141fc9"
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 HB 495 (2024RS) — AN ACT relating to deferred deposit transactions.

Amend KRS 286.9-100 to modify requirements for entering into a deferred deposit transaction; make technical amendments; amend KRS 286.9-140 to modify fee that the financial institutions commissioner shall impose for each deferred deposit database transaction; make technical amendments.

## 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/24RS/hb495/orig_bill.pdf)
2. **Acts Chapter 38** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/24RS/documents/0038.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/24RS/hb495/bill.pdf)

## Votes

- PASS HB 495 — **pass** (pass) · lower
- Pass — **pass** (pass) · lower

## Sponsors

- J. Dixon — primary (person)

## Timeline

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

- **2024-02-08T05:00:00+00:00** introduced in House `introduction`
- **2024-02-08T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2024-02-13T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2024-02-14T05:00:00+00:00** reported favorably, 1st reading, to Calendar `committee-passage`
- **2024-02-15T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2024-02-16T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Tuesday, February 20, 2024
- **2024-02-20T05:00:00+00:00** 3rd reading, passed 85-10 `passage, reading-3`
- **2024-02-21T05:00:00+00:00** received in Senate
- **2024-02-21T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2024-02-28T05:00:00+00:00** to Banking & Insurance (S) `referral-committee`
- **2024-03-05T05:00:00+00:00** reported favorably, 1st reading, to Consent Calendar `committee-passage`
- **2024-03-06T05:00:00+00:00** 2nd reading, to Rules as a consent bill `reading-2`
- **2024-03-08T05:00:00+00:00** posted for passage in the Consent Orders of the Day for Monday, March 11, 2024
- **2024-03-11T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-12T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-13T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-14T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-15T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-21T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-22T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-25T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-26T04:00:00+00:00** passed over and retained in the Consent Orders of the Day `passage`
- **2024-03-27T04:00:00+00:00** 3rd reading, passed 36-1 `passage, reading-3`
- **2024-03-27T04:00:00+00:00** received in House
- **2024-03-27T04:00:00+00:00** enrolled, signed by Speaker of the House `passage`
- **2024-03-27T04:00:00+00:00** enrolled, signed by President of the Senate `passage`
- **2024-03-27T04:00:00+00:00** delivered to Governor
- **2024-04-04T04:00:00+00:00** signed by Governor (Acts Ch.38) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/93d33bc2-2b51-426a-9b33-ae0824b9ccaf`. Confidence: reported (aggregated from official Kentucky legislature records).