HB0228ham001 104TH GENERAL ASSEMBLY

Rep. Bob Morgan

Filed: 3/18/2026

10400HB0228ham001 LRB104 04051 SPS 35327 a

AMENDMENT TO HOUSE BILL 228

AMENDMENT NO. ______. Amend House Bill 228 by replacing everything after the enacting clause with the following:

"Section 5. The Consumer Fraud and Deceptive Business Practices Act is amended by adding Section 2MMMM as follows:

(815 ILCS 505/2MMMM new)

Sec. 2MMMM. Hidden and misleading fees.

(a) For purposes of this Section:

"Financial institution" means any person or entity who is certified, permitted, approved, chartered, registered, licensed, or otherwise authorized to engage in any profession, trade, occupation, or industry by the Division of Banking or the Division of Financial Institutions of the Department of Financial and Professional Regulation.

"Gratuities" means compensation, money, or tip paid by a consumer in excess of the amount required for the purchase of goods or services, the total amount of which is received by the employees providing the goods or services, and none of which is retained by the business that employs the employees.

"Mandatory fee or surcharge" includes, but is not limited to, a fee or surcharge that:

(1) must be paid in order to purchase the goods or services being advertised;

(2) is not reasonably avoidable by the consumer; or

(3) a person would reasonably expect to be included in the purchase of the goods or services being advertised.

"Mandatory fee or surcharge" does not include any taxes or fees imposed by a government entity that are required by law to be collected from the consumer on the sale, use, purchase, receipt, or delivery of the goods or services.

(b) It is an unlawful practice within the meaning of this Act for a person to advertise, display, or offer a price for goods or services that does not include all mandatory fees or surcharges.

(c) A food delivery platform is compliant with this Section if the platform:

(1) clearly and conspicuously discloses, on any page on the platform that references, expressly or by implication:

(A) the specific cost to place a delivery order at a particular restaurant;

(B) the amount or, if calculated on a percentage basis, the percentage of any additional fee or fees that a consumer must incur at that restaurant to place a delivery order, excluding only fees or charges imposed by a federal, State, tribal, or unit of local government that is required by law to be collected from the consumer on the transaction; and

(C) any optional gratuities;

(2) clearly and conspicuously discloses, any time a consumer has selected any items on the platform and those selections are displayed, all fees the consumer will incur based on those selections, including the nature or purpose of each fee, the amount of each fee, and the total amount a consumer must pay based on the selections; and

(3) after a consumer selects items for purchase, but prior to checkout, a delivery platform must display a subtotal page that itemizes the price of the menu items and any additional fees that are included in the total cost.

(d) Nothing in this Section prohibits a person from charging a reasonable postage or shipping fee that is actually incurred by the person to ship goods to a consumer.

(e) Nothing in this Section prohibits a person from offering goods or services at a discounted price from the advertised, displayed, or offered price.

(f) A person offering goods or services in an auction where consumers can place bids on the goods or services and the total cost is indeterminable is compliant with this Section if the person discloses in a clear and conspicuous manner any mandatory fees associated with the transaction and that the total cost of the goods or services may vary.

(g) A person offering services where the total cost of a service is determined by consumer selections and preferences, or where the total cost of the service relates to distance or time, is compliant with this Section if the person discloses in a clear and conspicuous manner: (i) the factors that determine the total price; (ii) any mandatory fees associated with the transaction; and (iii) that the total cost of the services may vary.

(h) A food or beverage service establishment, including a hotel, is compliant with this Section with respect to automatic and mandatory gratuities charged if, in every offer or advertisement for the purchase of a good or service that includes pricing information, the total price of the good or service being offered or advertised includes a clear and conspicuous disclosure of the percentage of any automatic and mandatory gratuities charged. All other mandatory fees and surcharges must be included in the price advertised, displayed or offered as required by subsection (b).

(i) The following entities are compliant with this Section:

(1) a provider of broadband Internet access service, on its own or as part of a bundle, that complies with the broadband consumer label requirements set forth in 47 CFR 8.1(a) and its implementing orders;

(2) a cable operator and direct broadcast satellite provider that complies with the pricing requirements set forth in 47 CFR 76.310 and its implementing orders; and

(3) a telecommunication company that complies with the pricing requirements set forth in 47 CFR 64.2401 and its implementing orders.

(j) A person is compliant with this Section for the purposes of any transactions covered by 47 U.S.C. 552 if the person is compliant with that Act.

(k) A financial entity that is required to provide disclosures in compliance with any of the following federal or State laws with respect to a financial transaction is compliant with this Section for purposes of the transactions:

(1) the Truth in Savings Act, as amended (12 U.S.C. Sec. 4301 et seq.);

(2) the Electronic Fund Transfer Act, as amended (15 U.S.C. Sec. 1693 et seq.);

(3) Section 19 of the Federal Reserve Act, as amended (12 U.S.C. Sec. 461 et seq.);

(4) the Truth in Lending Act, as amended (15 U.S.C. Sec. 1601 et seq.);

(5) the Real Estate Settlement Procedures Act, as amended (12 U.S.C. Sec. 2601 et seq.);

(6) the Home Ownership and Equity Protection Act (15 U.S.C. Sec. 1639);

(7) the Consumer Installment Loan Act;

(8) the Consumer Legal Funding Act;

(9) the Interest Act;

(10) the Motor Vehicle Retail Installment Sales Act;

(11) the Retail Installment Sales Act;

(12) the Payday Loan Reform Act;

(13) the High Risk Home Loan Act;

(14) the Pawnbroker Regulation Act of 2023;

(15) the Residential Mortgage Licensing Act of 1987;

(16) the Residential Real Property Disclosure Act;

(17) the Student Loan Servicing Rights Act; and

(18) any rule or regulation adopted under any State or federal law listed in this subsection.

(l) This Act does not apply to an air carrier that provides air transportation, as those terms are used in 49 U.S.C. 41713.

(m) The provisions of Section 10a do not apply to a violation of this Section.".