---
type: "Bill"
title: "AN ACT relating to retail installment contracts."
description: "Amend KRS 190.100 to authorize holders of retail installment contracts that utilize installment periods that are under 28 days to have a shorter waiting period prior to charging a delinquency and collection fee."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2025RS"
identifier: "SB 145"
citation: "Kentucky SB 145 (2025RS)"
classification: ["bill"]
subjects: ["Consumer Affairs", "Contracts", "Loans and Credit", "Sales", "Trade Practices and Retailing"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 22
vote_count: 2
first_action: "2025-02-12T05:00:00+00:00"
last_action: "2025-03-24T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/e2c032bb-733a-4e45-8f8a-114de12f55e6"
source_url: "https://apps.legislature.ky.gov/record/25RS/sb145.html"
source_hash: "33d01e5f9bc7d77ce3dab265326595f457af790f1867885f3895c826dc7b52d7"
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 145 (2025RS) — AN ACT relating to retail installment contracts.

Amend KRS 190.100 to authorize holders of retail installment contracts that utilize installment periods that are under 28 days to have a shorter waiting period prior to charging a delinquency and collection fee.

## 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/25RS/sb145/orig_bill.pdf)
2. **Acts Chapter 55** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/25RS/documents/0055.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/sb145/bill.pdf)

## Votes

- PASS SB 145 W/ scs1 — **34–0** (pass) · upper
- Final Passage — **79–6** (pass) · upper

## Timeline

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

- **2025-02-12T05:00:00+00:00** introduced in Senate `introduction`
- **2025-02-12T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2025-02-14T05:00:00+00:00** to Transportation (S) `referral-committee`
- **2025-02-19T05:00:00+00:00** taken from Transportation (S)
- **2025-02-19T05:00:00+00:00** reassigned to Banking & Insurance (S)
- **2025-02-25T05:00:00+00:00** reported favorably, 1st reading, to Calendar with Committee Substitute (1) `committee-passage`
- **2025-02-26T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2025-02-26T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Thursday, February 27, 2025
- **2025-02-27T05:00:00+00:00** 3rd reading, passed 34-0 with Committee Substitute (1) `passage, reading-3`
- **2025-02-28T05:00:00+00:00** received in House
- **2025-02-28T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2025-03-07T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2025-03-12T04:00:00+00:00** reported favorably, 1st reading, to Calendar `committee-passage`
- **2025-03-13T04:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2025-03-14T04:00:00+00:00** taken from Rules
- **2025-03-14T04:00:00+00:00** placed in the Orders of the Day
- **2025-03-14T04:00:00+00:00** 3rd reading, passed 79-6 `passage, reading-3`
- **2025-03-14T04:00:00+00:00** received in Senate
- **2025-03-14T04:00:00+00:00** enrolled, signed by President of the Senate `passage`
- **2025-03-14T04:00:00+00:00** enrolled, signed by Speaker of the House `passage`
- **2025-03-14T04:00:00+00:00** delivered to Governor
- **2025-03-24T04:00:00+00:00** signed by Governor (Acts Ch. 55) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e2c032bb-733a-4e45-8f8a-114de12f55e6`. Confidence: reported (aggregated from official Kentucky legislature records).