Oklahoma 2026 Regular Session Status: Passed House 2 R cosponsors

HB 3028 — Consumer Credit Code; allowing the Department of Career and Technology Education to charge service fees for certain transactions; effective date.

Last action — Second Reading referred to Business and Insurance

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the House. Introduced February 02, 2026. It now moves to the second chamber.

Signed by Governor Kevin Stitt (Republican) on March 17, 2026.

Next likely step: consideration and a floor vote in the Senate.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 50% · moderate confidence

  • Passed House

    Current position in the legislative process.

  • 2 sponsors

    2 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (2 R).

  • Cleared a recorded vote

    Passed 3 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

What changed in the latest version

100 added · 100 removed

Plain-language change summary

The recent amendment to Bill HB 3028 specifically clarifies that discounts offered by sellers to encourage cash or debit card payments, instead of credit card payments, will not be considered a credit service charge. This change ensures that these discounts are applied more uniformly and transparently to all customers, promoting more equitable payment options. By making this distinction clear, it helps consumers understand their payment choices better and could potentially lower overall costs for using non-credit payment methods.

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HOUSE OF REPRESENTATIVES - FLOOR VERSION STATE OF OKLAHOMA 2nd Session of the 60th Legislature (2026) COMMITTEE SUBSTITUTE FOR HOUSE BILL NO.
ENGROSSED HOUSE BILL NO.
Kerbs 7 COMMITTEE SUBSTITUTE An Act relating to the Consumer Credit Code;
Kerbs of the House and Gillespie of the Senate 5 An Act relating to the Consumer Credit Code;
With respect to all sales, service, and lease transactions including, but not limited to, any consumer credit sales transaction, a discount which a seller offers, allows, or otherwise makes available for the purpose of inducing payment by cash, check, debit card, or similar means rather than by use of a credit card shall not constitute a credit service charge as HB3028 HFLR Page 1 BOLD FACE denotes Committee Amendments.
With respect to all sales, service, and lease transactions including, but not limited to, any consumer credit sales transaction, a discount which a seller offers, allows, or otherwise makes available for the purpose of inducing payment by cash, check, debit card, or similar means rather than by use of a credit card shall not constitute a credit service charge as determined under Section 2-109 of this title if the discount is offered to all prospective buyers clearly and conspicuously in accordance with regulations of the Administrator of Consumer Credit.
determined under Section 2-109 of this title if the discount is offered to all prospective buyers clearly and conspicuously in accordance with regulations of the Administrator of Consumer Credit.
There shall be no limit on the discount that may be offered by the ENGR.
There shall be no limit on the discount that may be offered by the seller.
H.
B.
NO.
3028 Page 1 seller.
HB3028 HFLR Page 2 BOLD FACE denotes Committee Amendments.
A seller who is registered with the United States Department of the Treasury as a money transmitter pursuant to 31 C.F.R., Section 103.41, and who provides an electronic funds transmission service, including service by telephone and the Internet, may charge a different price for a funds transmission service based on the mode of transmission used in the transaction without violating this section so long as the price charged for a service paid for with an open-end credit card or debit card account is not greater than the price charged for such service if paid for with currency or other similar means accepted within the same mode of transmission.
A seller who is registered with the United States Department of the Treasury as a money transmitter pursuant to 31 C.F.R., Section 103.41, and who provides an electronic funds transmission service, including service by telephone and the Internet, may charge ENGR.
H.
B.
NO.
3028 Page 2 a different price for a funds transmission service based on the mode of transmission used in the transaction without violating this section so long as the price charged for a service paid for with an open-end credit card or debit card account is not greater than the price charged for such service if paid for with currency or other similar means accepted within the same mode of transmission.
and HB3028 HFLR Page 3 BOLD FACE denotes Committee Amendments.
and 3.
3.
F.
ENGR.
H.
B.
NO.
3028 Page 3 F.
COMMITTEE REPORT BY:
Passed the House of Representatives the 16th day of March, 2026.
COMMITTEE ON GOVERNMENT OVERSIGHT, dated 03/09/2026 - DO PASS, As Amended.
Presiding Officer of the House of Representatives Passed the Senate the _____ day of __________, 2026.
HB3028 HFLR Page 4 BOLD FACE denotes Committee Amendments.
Presiding Officer of the Senate ENGR.
H.
B.
NO.
3028 Page 4
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Action History

  1. Second Reading referred to Business and Insurance

  2. Coauthored by Representative Deck

  3. First Reading

  4. Engrossed, signed, to Senate

  5. Referred for engrossment

  6. Third Reading, Measure passed: Ayes: 82 Nays: 6

  7. Authored by Senator Gillespie (principal Senate author)

  8. General Order

  9. CR; Do Pass, amended by committee substitute Government Oversight Committee

  10. Policy recommendation to the Government Oversight committee; Do Pass, amended by committee substitute Banking, Financial Services and Pensions

  11. Referred to Banking, Financial Services and Pensions

  12. Second Reading referred to Government Oversight

  13. Authored by Representative Kerbs

  14. First Reading

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

2 sponsors · 0 co-sponsors · 149 not signed on · 6 voted No

Sponsors (2)

Co-sponsors (0)

None.

Not signed on (149)

149 members have not signed on to this bill.

Show all 149 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Third Reading

Passed 82 Yea · 6 Nay · 11 Other
Party YeaNayPresentNot Voting
Republican 636010
Unaffiliated 3001
Democrat 16001
Total 826012
% of votes cast 82%6%0%12%
How each member voted (100)
Member Party Vote
Alonso-Sandoval — Yea
Mr. Speaker — Yea
VACANCY: — Not Voting
Crosswhite Hader — Yea
Aletia Timmons Democrat Yea
Amanda Clinton Democrat Yea
Andy Fugate Democrat Yea
Annie Menz Democrat Yea
Cyndi Munson Democrat Yea
Ellen Pogemiller Democrat Yea
Ellyn Hefner Democrat Yea
Jacob Rosecrants Democrat Yea
Jared Deck Democrat Yea
John Waldron Democrat Yea
Melissa Provenzano Democrat Yea
Meloyde Blancett Democrat Yea
Michelle McCane Democrat Yea
Mickey Dollens Democrat Yea
Ronald Stewart Democrat Yea
Suzanne Schreiber Democrat Not Voting
Trish Ranson Democrat Yea
Anthony Moore Republican Yea
Bob Ed Culver Republican Yea
Brad Boles Republican Yea
Brian Hill Republican Yea
Carl Newton Republican Yea
Chad Caldwell Republican Not Voting
Chris Banning Republican Yea
Chris Kannady Republican Not Voting
Chris Sneed Republican Not Voting
Clay Staires Republican Yea
Cody Maynard Republican Yea
Collin Duel Republican Yea
Cynthia Roe Republican Yea
Daniel Pae Republican Yea
Danny Sterling Republican Yea
Danny Williams Republican Yea
David Hardin Republican Yea
David Smith Republican Yea
Dell Kerbs Republican Yea
Derrick Hildebrant Republican Yea
Dick Lowe Republican Yea
Dillon Travis Republican Yea
Eddy Dempsey Republican Yea
Emily Gise Republican Yea
Eric Roberts Republican Yea
Erick Harris Republican Yea
Gabe Woolley Republican Yea
Gerrid Kendrix Republican Yea
Jason Blair Republican Yea
Jay Steagall Republican Yea
Jim Grego Republican Yea
Jim Olsen Republican Nay
Jim Shaw Republican Nay
John George Republican Yea
John Kane Republican Yea
John Pfeiffer Republican Yea
Jonathan Wilk Republican Yea
Josh Cantrell Republican Yea
Josh West Republican Yea
Judd Strom Republican Yea
Justin Humphrey Republican Nay
Ken Luttrell Republican Not Voting
Kenton Patzkowsky Republican Yea
Kevin Norwood Republican Yea
Kevin West Republican Yea
Marilyn Stark Republican Yea
Mark Chapman Republican Yea
Mark Lawson Republican Yea
Mark Lepak Republican Yea
Mark Tedford Republican Yea
Max Wolfley Republican Yea
Mike Dobrinski Republican Yea
Mike Kelley Republican Yea
Mike Lay Republican Yea
Mike Osburn Republican Yea
Molly Jenkins Republican Nay
Neil Hays Republican Yea
Nick Archer Republican Yea
Nicole Miller Republican Yea
Preston Stinson Republican Not Voting
Rande Worthen Republican Yea
Rick West Republican Nay
Rob Hall Republican Yea
Robert Manger Republican Yea
Ronny Johns Republican Not Voting
Ross Ford Republican Not Voting
Rusty Cornwell Republican Yea
Ryan Eaves Republican Yea
Scott Fetgatter Republican Yea
Stacy Jo Adams Republican Yea
Stan May Republican Yea
Steve Bashore Republican Yea
T.J. Marti Republican Not Voting
Tammy Townley Republican Yea
Tammy West Republican Not Voting
Tim Turner Republican Yea
Tom Gann Republican Nay
Toni Hasenbeck Republican Not Voting
Trey Caldwell Republican Yea

Official roll call →

Government Oversight Committee: Do Pass As Amended By Cs

Passed 14 Yea · 2 Nay
Party YeaNayPresentNot Voting
Unaffiliated 1000
Republican 10200
Democrat 3000
Total 14200
% of votes cast 88%13%0%0%
How each member voted (16)
Member Party Vote
Crosswhite — Yea
Andy Fugate Democrat Yea
Cyndi Munson Democrat Yea
Ellen Pogemiller Democrat Yea
Dillon Travis Republican Yea
Eddy Dempsey Republican Yea
Eric Roberts Republican Yea
Gabe Woolley Republican Yea
Jim Olsen Republican Nay
Jim Shaw Republican Nay
Judd Strom Republican Yea
Ken Luttrell Republican Yea
Mark Lepak Republican Yea
Mike Kelley Republican Yea
Neil Hays Republican Yea
Stan May Republican Yea

Official roll call →

Subjects

finance education
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HB 3028?
HB 3028 is sponsored by Dell Kerbs (Republican) and Christi Gillespie (Republican).
What is the current status of HB 3028?
This bill has passed the House. Introduced February 02, 2026. It now moves to the second chamber.
Where can I track HB 3028?
Track HB 3028 free on One Click Politics — get push/email alerts when it moves.

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