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SB3321

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LOC GOV-CREDIT CARD AGREEMENTS

What this bill does

Amends the Local Governmental Acceptance of Credit Cards Act. Provides that the governing body of a governmental entity accepting payment by credit card may enter into agreements with third-party software providers for the purpose of ensuring that the governmental entity receives the correct remittance for payment. Provides that, if a governmental entity enters into an agreement with one or more financial institutions or other service providers to facilitate the acceptance and processing of credit card payments, then the agreement may not restrict or prevent the governmental entity from using the payment processing system outlined in the State Treasurer Act or any other payment processing system that the governmental entity has procured. Effective immediately.

Sponsor: Meg Loughran Cappel Chamber: Senate Introduced: 2026-02-03
Stuck
P(Advance)
10.0%
Chance it ever reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
0.0%
Chance it becomes law given where it is now (stage, momentum).
Confidence: 90%

Calculating prediction drivers...

Pipeline Progress

Current stage: In Committee · Last action 235 days ago · STAGNANT

How does a bill become law in Illinois?
  1. Introduction of Bill

    A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.

  2. Committee Work — Hearings

    The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.

  3. Committee Work — Markup, Amendments, Report

    The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.

  4. Floor Debate

    The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.

  5. Passage and Consideration in Second Chamber

    If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.

  6. Gubernatorial Action

    The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.

Sponsor Context

Campaign finance

This is SBE campaign receipts to the people on this bill, not Moneyball and not earmarked to the bill.

Money is campaign receipts to matched candidate committees, not earmarked to this bill. Window 2025-01-01 – 2026-09-13.

$230,529.00 Across sponsors / voters
1 Members with trails
0 Overlapping donors

Sponsor and voter funding

Member Role Receipts Total received Top donors
Meg Loughran Cappel Chief sponsor 176 $230,529.00 I.P.A.C.E. ($19,450.00); AFT Local 604 COPE II ($15,834.00); LiUNA Chicago Laborers' District Council Political Action Committee ($12,500.00)

Top donors across these members

Donor Occupation Employer Receipts Total
I.P.A.C.E. — — 3 $19,450.00
AFT Local 604 COPE II — — 4 $15,834.00
LiUNA Chicago Laborers' District Council Political Action Committee — — 5 $12,500.00
Chicago Land Operators Joint Labor Management PAC — — 5 $10,000.00
IBEW Local 176 — — 2 $10,000.00
Illinois Laborers' Legislative Committee — — 3 $8,500.00
Illinois Assoc of School Administrators PAC — — 2 $7,500.00
Michael J. Sacks Grosvenor Capital CEO 1 $7,300.00
Illinois Federation of Teachers COPE — — 3 $7,000.00
Joliet Firefighters PAC — — 3 $6,666.67
J & J Ventures Gaming, LLC — — 2 $6,000.00
Realtor Political Action Committee — — 2 $5,000.00
IBEW Illinois PAC — — 4 $5,000.00
Local 444 IPAL Fund — — 2 $5,000.00
Carpentry Advancement PAC — — 3 $4,500.00
Illinois Hospital Association PAC — — 3 $3,000.00
Southern Glazer's Wine and Spirits — — 2 $3,000.00
Associated Beer Distributors of Illinois PAC — — 2 $3,000.00
IBEW PAC Voluntary Fund — — 1 $2,500.00
Associated Fire Fighters of Illinois PAC Fund — — 3 $2,500.00
Illinois Trial Lawyers Association Political Action Committee — — 1 $2,500.00
Sports Betting Alliance — — 1 $2,500.00
Caesars Enterprise Services LLC — — 1 $2,500.00
Accel Entertainment Gaming, LLC — — 1 $2,500.00
United Assn of Journeymen & IL PAC — — 1 $2,500.00

Hearings

This bill has not been scheduled for a committee hearing.

Action History

4 actions recorded. Last action: 2026-02-17 — Assigned toLocal Government. Each action's meaning and outcome signal are classified automatically.

2026-02-03 Introduction & Filing
Filed with Secretary bySen. Meg Loughran Cappel Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2026-02-03 Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2026-02-03 Committee Assignment
Referred toAssignments Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2026-02-17 Committee Assignment
Assigned toLocal Government Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.

All actions (table)

Date Chamber Action Category Signal
2026-02-03 Senate Filed with Secretary bySen. Meg Loughran Cappel Rule 2-7(b) Introduction & Filing —
2026-02-03 Senate First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2026-02-03 Senate Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2026-02-17 Senate Assigned toLocal Government Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —