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SB 1486

Public schools; protection of student records and personal information, policies and procedures.

2025 Regular Session Introduced by Lashrecse Aird and 1 co-sponsor

Requires total price disclosure and clear mandatory-fee disclosures for ads and checkout, curbing hidden fees by retailers, restaurants, hotels, and delivery platforms.

Acts of Assembly Chapter text (CHAP0364)
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WeVote Research Nonpartisan
Bill Summary · SB 1486

SB 1486 — Consumer Fraud / Fee Disclosure (summary)

Note: The materials provided include two distinct bill texts that appear merged: (1) an Arizona bill amending civil‑rights statutes (anti‑discrimination language) and (2) an Illinois bill titled the “Junk Fee Ban Act” (consumer fee disclosure). The bill title you provided (“CONSUMER FRAUD‑FEE DISCLOSURE”) and most legislative actions match the Illinois Junk Fee Ban Act. This summary focuses on the consumer‑fee / disclosure provisions (the Junk Fee Ban Act). If you want a separate summary of the Arizona civil‑rights language, say so.

Main purpose

To increase price transparency and curb “hidden” or “junk” fees in consumer transactions by requiring that advertised and displayed prices reflect the full amount consumers must pay (the “total price”) and by imposing clear disclosure rules for mandatory fees charged by businesses, restaurants, short‑term lodging providers and third‑party delivery platforms.

Key definitions (selected)

  • Total price: the maximum total of all amounts a consumer must pay for a good or service, including mandatory ancillary goods/services. Excludes taxes, shipping (in many instances), gratuities, certain interchange fees and some quasi‑governmental assessments.
  • Mandatory fee or charge: fees that must be paid to complete the purchase or are not reasonably avoidable by the consumer.
  • Retail mercantile establishment, food service establishment, place of short‑term lodging, third‑party delivery platform: defined categories used to tailor disclosure rules.

Major provisions

  • Prohibits advertising, displaying, or offering a price that omits any mandatory fee or charge (subject to enumerated exceptions such as government‑imposed taxes and certain shipping costs).
  • Requires businesses and platforms to disclose mandatory fees clearly and conspicuously before purchase/consent:
    • Third‑party delivery platforms must disclose at the point a consumer selects vendor/items that a fee is charged and either its amount or the factors that determine a variable fee; they must also display an itemized subtotal before checkout.
    • For services where total price cannot reasonably be known at offer time (variable factors, consumer choices, distance/time), providers must disclose the factors that determine price, list mandatory fees, and state that total price may vary.
  • Retail and food service establishments are permitted to use “reasonable methods” to disclose total price or mandatory fees (examples: point‑of‑sale screens, website, menus, signage, loyalty program notices).
  • Exemptions: transactions and entities already subject to specific federal/state disclosure regimes (e.g., Truth in Lending, Truth in Savings, RESPA and a long list of Illinois-specific financial/consumer finance statutes) are exempt from these requirements. Financial institutions and certain regulated lending/finance transactions are carved out.
  • Compliance mechanics and enforcement language (as drafted in versions): Attorney General enforcement via consumer protection statutes (Consumer Fraud and Deceptive Business Practices Act), with potential civil remedies; the bill text is partially truncated in provided materials so full enforcement mechanics and penalty structure should be confirmed in the official engrossed version.
  • Preemption: earlier synopses reference preemption of home‑rule/local law on these matters (verify final text).

Who is affected

  • Consumers (benefit from clearer upfront pricing).
  • Retailers, restaurants, hotels/short‑term lodging, event/catering services, third‑party delivery platforms (must change advertising, menus, apps, checkout flows).
  • Payment processors/interchange practices indirectly, since interchange fees are explicitly excluded from “total price.”
  • Financial institutions and certain regulated lenders (largely exempt).

Procedural status & timeline (high‑level)

  • Multiple amendments filed in Senate (Amendments 1–3) refining definitions, exemptions, and third‑party delivery rules.
  • In the Illinois legislative record supplied, the bill passed the Senate (Third Reading 05/08/2025) and was transmitted to the House where it saw committee and calendar activity; various House actions and co‑sponsor additions occurred in May 2025. Some entries indicate further referrals and rule activity; parts of the docket show later committee actions and postponements. Because the provided record is fragmented, consult the official legislative website for the final disposition and current status.

Potential impacts

  • Increased consumer protection via reduced surprise fees and clearer total‑price comparisons.
  • Operational and compliance costs for businesses (IT, point‑of‑sale, menu/app redesign, training).
  • Changes in how delivery platforms and lodging providers display pricing; potential effects on advertised base rates.
  • Litigation or enforcement actions under consumer‑protection law for noncompliance.
  • Existing regulated financial products largely unaffected due to enumerated exemptions.

If you want, I can:
- Produce a plain‑language “what this means for consumers” or “what businesses must do” checklist,
- Summarize the Arizona civil‑rights language that appears in the packet, or
- Pull and compare the final engrossed/ enrolled bill text and current status from the official legislative website.

Compiled from official sources — confirm details with the bill’s official record.

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