---
type: "Bill"
title: "AN ACT relating to unlawful trade practices and declaring an emergency."
description: "Repeal, reenact, and amend KRS 286.2-685 as a new section of Subtitle 3 of KRS Chapter 286 to make technical amendments; remove prohibition against use of financial institution names in certain marketing and solicitations; establish a civil penalty for violation of section; establish a new section of KRS Chapter 367 to prohibit the use of financial institution names in the marketing and solicitations of persons who are not financial institutions in certain circumstances; make violation of section an unfair, false, misleading, or deceptive trade practice in violation of KRS 367.170; authorize enforcement by the Attorney General and any trade organization representing one or more financial institution industries; establish remedies for violation of section; establish a new section of KRS Chapter 367 to regulate certain real estate service agreements; make recording of certain real estate service agreements a crime and provide penalties for violation of recording prohibition; make violation of section an unfair, false, misleading, or deceptive trade practice in violation of KRS 367.170; authorize enforcement of section by Attorney General; authorize Attorney General to promulgate administrative regulations; amend KRS 324.160 to establish that violation of section regulating real estate service contracts by real estate licensees is improper conduct; provide that the provisions of the Act are severable; RETROACTIVE, in part; EMERGENCY."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2024RS"
identifier: "HB 88"
citation: "Kentucky HB 88 (2024RS)"
classification: ["bill"]
subjects: ["Administrative Regulations and Proceedings", "Advertising", "Banks and Financial Institutions", "Consumer Affairs", "Contracts", "Corrections Impact", "Effective Dates", "Emergency", "Local Mandate", "Real Estate", "Retroactive Legislation", "Trade Practices and Retailing"]
status: "enacted"
primary_sponsors: ["A. Bowling", "A. Gentry", "B. Chester-Burton", "D. Lewis", "D. Meade", "DJ Johnson", "K. Jackson", "K. Moser", "M. Clines", "M. Lockett", "M. Meredith", "M. Pollock", "P. Flannery", "R. Bridges", "R. Roarx", "S. Bratcher", "S. Lewis", "S. McPherson", "S. Miles", "W. Lawrence", "W. Williams"]
version_count: 3
action_count: 25
vote_count: 3
first_action: "2024-01-02T05:00:00+00:00"
last_action: "2024-04-04T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/bd2dd92a-cb4d-4d9a-a74e-a1d0e68b2174"
source_url: "https://apps.legislature.ky.gov/record/24RS/hb88.html"
source_hash: "e3ea11d7ef25df855cd9c2818c673a6d6d0608d1185960c3066604b94d8cb633"
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 88 (2024RS) — AN ACT relating to unlawful trade practices and declaring an emergency.

Repeal, reenact, and amend KRS 286.2-685 as a new section of Subtitle 3 of KRS Chapter 286 to make technical amendments; remove prohibition against use of financial institution names in certain marketing and solicitations; establish a civil penalty for violation of section; establish a new section of KRS Chapter 367 to prohibit the use of financial institution names in the marketing and solicitations of persons who are not financial institutions in certain circumstances; make violation of section an unfair, false, misleading, or deceptive trade practice in violation of KRS 367.170; authorize enforcement by the Attorney General and any trade organization representing one or more financial institution industries; establish remedies for violation of section; establish a new section of KRS Chapter 367 to regulate certain real estate service agreements; make recording of certain real estate service agreements a crime and provide penalties for violation of recording prohibition; make violation of section an unfair, false, misleading, or deceptive trade practice in violation of KRS 367.170; authorize enforcement of section by Attorney General; authorize Attorney General to promulgate administrative regulations; amend KRS 324.160 to establish that violation of section regulating real estate service contracts by real estate licensees is improper conduct; provide that the provisions of the Act are severable; RETROACTIVE, in part; EMERGENCY.

## 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/hb88/orig_bill.pdf)
2. **Acts Chapter 76** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/24RS/documents/0076.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/24RS/hb88/bill.pdf)

## Votes

- Final Passage — **pass** (pass) · lower
- Pass — **pass** (pass) · lower
- PASS HB 88 W/ sca1 — **pass** (pass) · lower

## Sponsors

- A. Bowling — primary (person)
- A. Gentry — primary (person)
- B. Chester-Burton — primary (person)
- D. Lewis — primary (person)
- D. Meade — primary (person)
- DJ Johnson — primary (person)
- K. Jackson — primary (person)
- K. Moser — primary (person)
- M. Clines — primary (person)
- M. Lockett — primary (person)
- M. Meredith — primary (person)
- M. Pollock — primary (person)
- P. Flannery — primary (person)
- R. Bridges — primary (person)
- R. Roarx — primary (person)
- S. Bratcher — primary (person)
- S. Lewis — primary (person)
- S. McPherson — primary (person)
- S. Miles — primary (person)
- W. Lawrence — primary (person)
- W. Williams — primary (person)

## Timeline

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

- **2024-01-02T05:00:00+00:00** introduced in House `introduction`
- **2024-01-02T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2024-01-09T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2024-01-10T05:00:00+00:00** reported favorably, 1st reading, to Calendar with Committee Substitute (1) `committee-passage`
- **2024-01-11T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2024-01-12T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Tuesday, January 16, 2024
- **2024-01-16T05:00:00+00:00** floor amendment (1) filed to Committee Substitute `amendment-introduction`
- **2024-01-17T05:00:00+00:00** 3rd reading, passed 93-0 with Committee Substitute (1) and Floor Amendment (1) `passage, reading-3`
- **2024-01-18T05:00:00+00:00** received in Senate
- **2024-01-18T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2024-01-22T05:00:00+00:00** to Banking & Insurance (S) `referral-committee`
- **2024-02-27T05:00:00+00:00** reported favorably, 1st reading, to Calendar with Committee Amendment (1) `committee-passage`
- **2024-02-28T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2024-03-15T04:00:00+00:00** posted for passage in the Regular Orders of the Day for Thursday, March 21, 2024
- **2024-03-21T04:00:00+00:00** passed over and retained in the Orders of the Day `passage`
- **2024-03-22T04:00:00+00:00** 3rd reading, passed 36-0 with Committee Amendment (1) `passage, reading-3`
- **2024-03-25T04:00:00+00:00** received in House
- **2024-03-25T04:00:00+00:00** to Rules (H) `referral-committee`
- **2024-03-26T04:00:00+00:00** posted for passage for concurrence in Senate Committee Amendment (1)
- **2024-03-27T04:00:00+00:00** House concurred in Senate Committee Amendment (1)
- **2024-03-27T04:00:00+00:00** passed 96-0 `passage`
- **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. 76) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/bd2dd92a-cb4d-4d9a-a74e-a1d0e68b2174`. Confidence: reported (aggregated from official Kentucky legislature records).