Government Affairs Roundup
“Your Timely Roundup of Local, State, and Federal Updates”
Chamber members:
With the Illinois General Assembly entering its final scheduled week before the May 31 adjournment, activity in Springfield has accelerated sharply. Lawmakers pushed through hundreds of bills across both chambers, including a Senate package regulating artificial intelligence and a measure banning so-called “junk fees,” now headed to Governor Pritzker for consideration. In the House, a committee advanced legislation aimed at curbing the use of AI in consumer pricing by prohibiting companies from using personal or algorithmic data, like browsing history, to tailor prices to individual customers. Despite the flurry of movement, major issues remain unresolved as negotiators race against the clock.
One of the most high-profile sticking points is the evolving “megaprojects” incentive package tied to the Chicago Bears and their proposed stadium in Arlington Heights. The plan has hit turbulence as some Chicago lawmakers grow hesitant amid reports that the team has resumed discussions with Brandon Johnson about a potential lakefront stadium. That uncertainty has complicated efforts to secure support, prompting lawmakers to consider scaling back the broader proposal to focus primarily on keeping the Bears in Illinois. As the session barrels toward its deadline, the fate of both marquee initiatives and smaller measures remains in flux with some advancing and others likely falling short.
One item of certainty – outgoing U.S. Senator Dick Durbin addressed a joint session of the General Assembly today. Senator Durbin was slated to be honored by lawmakers for his more than 40 years of public service in Congress ahead of his retirement in January.
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What Remains on the Table
State Budget: Of all of the bills remaining, this one will pass if you’re betting. The question is what will be in the bill and at what price. Ways to add additional revenue seem to outweigh massive cuts in recent history. We’ll see if it will be an easy balance of the budget or a scramble to get the necessary votes.
Megaprojects: This remains the issue (outside of the budget) that receives the most coverage. The majority seem to want to keep the Chicago Bears in Illinois. Those that want to work things out in Arlington Heights are looking for property tax certainty. The 40-page original bill passed by the House now is nearly 400 pages. Is it too big for its own good? Reports are that some type of Bears incentive will pass by May 31, but other projects included in the original proposal may have to wait for another day.
Credit Card Delay: This may be the session’s biggest roller coaster. Retailers and banks have gone all in—bank-backed funding has fueled billboards, digital and TV ads, and full-page newspaper spreads—as they push for a full repeal of Illinois’ first-in-the-nation Interchange Fee Prohibition Act. Lawmakers, however, have signaled a more measured path, with another one-year delay emerging as the likeliest outcome after the law was already postponed from its original 2025 start date through broader budget legislation.
The stakes extend well beyond Illinois. The law carries major national implications and remains tied up in federal court, where two federal agencies have weighed in. The case has been sent back to a district judge who previously ruled in favor of retailers and the state, adding another layer of uncertainty as both the legal fight and legislative debate continue to unfold.
Build Plan: Housing has emerged as a centerpiece of Governor Pritzker’s agenda this year, setting up a high-stakes clash with local governments. The governor is actively promoting his “BUILD” plan, including a campaign ad push, as he looks to advance a proposal that would establish a statewide zoning framework and significantly curb local control over residential development.
The plan aims to loosen long-standing restrictions by allowing more multi-unit housing, permitting accessory dwelling units like “granny flats,” and cutting regulatory hurdles that have slowed construction. While the proposals have so far only received subject matter hearings, the governor’s backing—and the compressed timeline late in session—means they could quickly gain momentum as negotiations intensify.
Data Centers: Data centers are the talk of many towns as tech companies race to bring new artificial intelligence products online. Environmental advocates want lawmakers to regulate and force new data centers into more transparency, but the effort thus far has largely stalled. Environmentalists are miffed at the governor’s lack of “engagement” despite his public comments calling for accountability and a pause on tax incentives for new data center developments. A regulatory bill could rise from the ashes, but it would have to take shape quickly.
AI Regulation: President Donald Trump doesn’t want states regulating AI, but that hasn’t stopped Democrat-led jurisdictions from getting into the fray. The Senate recently unveiled an eight-bill package that mirrors, in many instances, what’s been put on the books in California and New York. The bills all flew through committee, boding well for floor action in the upper chamber. But the House is the bigger question.
Insurance Industry Regulation: The House combined, then the Senate separated, a pair of measures regulating the homeowner and auto insurance industries. It’s something Democratic leadership has seemingly agreed upon, but the chambers’ two different approaches to advancing the measures encapsulates a broader discord that’s evidenced in several measures this session.
The bills are now Senate Bill 714 and House Bill 4273.
Revenue Omnibus: As is normally the case, the General Assembly typically introduces a revenue enhancement package that contains nearly all of the revenue proposals necessary to provide the necessary revenues to balance the fiscal year budget. This year, there have been several conversations around several new or expanded taxes.
DCEO Omnibus: Another typical legislative package that has been introduced during the last couple weeks of Session is the DCEO omnibus that typically contains non-revenue enhancing provisions focused on economic development. There have been several items that have been discussed this year that will likely be incorporated in the package, such as the Short-Line Railroad Modernization Act, the Live Theatre Tax Credit, New Markets Tax Credits, and other items.
Interchange Fee Prohibition Act Action: The Interchange Fee Prohibition Act is a law that was passed a couple of years ago that seeks to prohibit the application of interchange fees on certain portions of electronic payment transactions that take place at retail. The IL Chamber has supported either the delayed implementation of the law—allowing the courts to deliberate the legality of the Act—or a repeal. The Act has faced legal challenges both in U.S. District Court and regulatory actions, with the U.S. Office of the Comptroller of the Currency ruling the Act must exempt nationally chartered financial institutions. If the General Assembly does not Act, the IFPA will take effect July 1, 2026.
HFA 1 and HFA 2 to SB 3393 (Hoffman) is this year’s iteration of the Employment & Prevailing Wage Omnibus. Today, the chief sponsor of this package was switched from Leader Evans to Leader Hoffman, who filed HFA 2. The overarching touchpoints of the bill include prevailing wage expansions, setting new standards for labor dispute mediation, increasing requirements for apprenticeship participation for awarding solar and wind and broadband credits, and to a less concerning point, provisions on employment information that are subject to FOIA.
SB 317 AI Chat Notice (Ventura) – Creates the Consumer Artificial Intelligence Notice Act. Provides that a person who uses a conversational artificial intelligence system in a chat interface with a consumer shall provide the consumer with a clear and conspicuous disclosure, at the beginning of the interaction, that they are communicating with an automated system and not with a human. A cure period was added to this bill.
While one may understand the intent behind this measure, many member companies may not fully realize that this requirement applies to their customer service or sales tools and creates new liability exposure.
HB 5511, assigned and posted for Senate Executive, creates the Children’s Social Media Safety Act. This bill, which passed the House last month, will require expansive age verification procedures and tools for businesses developing, deploying, or otherwise using websites and online applications. Additionally, the bill provides that a covered operator shall not offer a website, online service, online application, or mobile application in the State if it is not in compliance with specified provisions of the Act.
Again, understanding the intent, this legislation will, unfortunately, expand liability businesses under the Private Right of Action (PRA) included within the bill for a violation of the Consumer Fraud and Deceptive Business Practices Act.
Age verification laws continue to be litigated nationally. Until there is a resolution to these legal challenges, there will likely be a patchwork of state laws that cause extraordinary compliance challenges for multistate companies.
As drafted, every website, regardless of whether it is social media or has a regular youth audience, would have to have an age verification mechanism. The Section 10 obligation reaches every website and app in Illinois. Belief from opponents is this will be costly and difficult to implement. Additionally, because of the breadth of the impact, many companies may not be aware of these new requirements. This will create additional concerns if a company is fined under the Act, which amounts to $7,500 per affected child per violation.
HB 4592 (Mayfield/Belt) passed the Senate on a vote of 58-0-0. This bill provides that retail establishments shall accept cash payments under $500 for goods and services purchased or post signage stating that they do not accept cash as a form of payment.
HB 228 (Morgan/Aquino) passed off the Senate floor on a vote of 46-12-0. This bill amends the Consumer Fraud and Deceptive Business Practices Act and provides that it is an unlawful practice within the meaning of the Act for a person to advertise, display, or offer a price for goods or services that does not include all mandatory fees or surcharges. This bill has passed both chambers.
HB 4044 (Evans/Ventura) passed off the Senate floor on a vote of 56-2-0. This bill establishes that a retailer shall not limit the method of return or refund to store credit for a returned product that is unopened and unused. Applying to only consumer goods, the bill adds the caveat that retailers may establish their own return policy, refuse to accept the item in the case of suspected fraud or package tampering among more exceptions. This bill has passed both chambers.
HB 45 (Yang Rohr/Ellman) passed off the Senate floor on a vote of 56-0-0. This bill requires grocery stores to offer in-store alternatives for digital-only coupons found on a company website or mobile application. This alternative can be offered in the form of automatic discounts, POS assisted discounts, the use of barcodes, or other outlined forms. This bill has passed both chambers.
HB 4762 (Mah/Belt) Support passed off the Senate floor on a vote of 40-16-0. This bill would lower the barrier of entry for certain state licensed occupations. The bill will go back to the House on Order of Concurrence.
HB 4844 (Hoffman/Martwick) passed off the Senate floor on a vote of 35-20-1. This bill requires employers of over 25 to compensate employees at the employee’s regular rate of pay for time that the employee served on jury duty. This bill has passed both chambers.
SB 3843 (Joyce) would seek to address an issue that exists in the delivery network space that is resulting in double taxation. Under Committee Amendment #2 that was filed last week, the bill would provide that the Department of Revenue may not assess sales tax on both the seller and the delivery network company on the same qualified network sale. When sales tax is paid to a retailer (after sales tax has already been collected from a customer on the platform), then the third-party delivery app may reduce the taxable receipts by the taxable amount of the sale that is taxed by the retailer. The bill ensures that the State of Illinois captures the correct and appropriate amount of sales tax from customers on third-party apps.
SB 3066 (Belt/Mayfield) passed the House on a vote of 70-40-0. The bill affects service providers who schedule appointments to complete a requested service in a customer’s home by requiring reasonable notice of an estimated time or range of times during which the service provider will arrive. If the service provider fails to do so, or arrives late, and the customer is not present, no late or missed appointment fee shall be charged. The bill has now passed both houses.
HFA 2 to HB 4248 (Hirschauer) was recommended to be adopted in committee with full leave (12-0-0). This bill bans the practice of surveillance price setting on consumer goods and services and exempts coupons, limited-time sales, promotions, or discounts. Notably, with the latest amendment, the PRA was removed, and numerous exceptions for normal business practices were added to the legislation.
SFA 1 to HB 4273 (Jones) passed out of committee on order of concurrence with partisan leave (8-4-0). This bill provides that no insurance company may impose renewal premium increases of more than 10% on fire or extended coverage insurance policies unless the company alerts the named insured of the notice of the increase in renewal premium at least 60 days prior to the renewal or anniversary date. Grants the Department of Insurance authority to determine through actuarial review that a filing is excessive, inadequate, or unfairly discriminatory.
Megaprojects Package Diminishing
As the legislative session barrels toward adjournment, talks over a sweeping megaproject incentive package have entered a volatile endgame, with lawmakers now weighing a dramatic pivot: scaling the bill down to focus almost entirely on keeping the Chicago Bears in Illinois. The shift reflects growing concern in the Senate that the broad House-passed proposal, packed with tax incentives and development tools, is too complex to pass in the limited time remaining. Still, narrowing the bill to a Bears-specific deal introduces its own risks, potentially fracturing support and derailing the effort altogether.
At the center of the debate is a proposed financing structure allowing developers to secure long-term property tax breaks while negotiating separate payments in lieu of taxes (PILOTs) with local taxing bodies. Originally pitched as a statewide economic development tool, the proposal has run into resistance over the size and duration of the tax breaks, minimum investment thresholds, and potential impacts on school funding. Negotiators are now exploring options that would limit the PILOT program to the Bears’ proposed Arlington Heights project, or possibly all of Cook County, while deferring broader statewide provisions.
The House version of the bill also layered in additional incentives, including expanded tiers of the state’s STAR bond program and a railyard-specific subsidy aimed at large-scale Chicago developments. Those additions, along with a requirement that 50% of PILOT revenues be directed toward property tax relief, helped secure House approval but have become sticking points in the Senate. Both the Bears and JB Pritzker oppose the revenue-sharing provision, arguing it could drive up negotiated payments without delivering meaningful statewide relief. Lead Senate negotiator Bill Cunningham has said no final decisions have been made, though discussions continue behind closed doors.
Governor Still Pushing Hard on BUILD Plan
Governor JB Pritzker said key pieces of his “Building Up Illinois Developments,” or BUILD, plan still have a strong chance of passing before the General Assembly adjourns, even as negotiations continue behind the scenes. The proposal is the centerpiece of his effort to address Illinois’ housing shortage, combining zoning changes with new funding to spur construction and expand access to homeownership.
At its core, BUILD would override certain local zoning rules to allow multi-unit housing by right on most residential lots, legalize accessory dwelling units statewide, speed up permitting and inspections, and standardize development-related fees. While the plan has yet to advance out of either chamber beyond subject matter hearings, talks are ongoing—and the governor remains optimistic that at least some elements will make it across the finish line.
The proposal has drawn sharp opposition from the Illinois Municipal League, which argues the plan strips local governments of control and imposes a one-size-fits-all approach. The group has instead pitched an incentive-based alternative focused on encouraging, rather than requiring, municipalities to adopt pro-housing policies—an approach Pritzker has criticized as overly reliant on state spending without addressing underlying regulatory barriers.
While sweeping zoning changes face a more difficult path in the legislature, other components of the BUILD plan appear to have broader support. Lawmakers from both parties have shown interest in roughly $250 million in proposed capital funding for site preparation, “middle housing” development, and assistance for first-time homebuyers—raising the likelihood that at least the spending portions of the plan could advance, even if broader reforms stall.
AI System Regulation
Illinois lawmakers are moving to regulate the most powerful artificial intelligence systems, with the Senate overwhelmingly approving Senate Bill 315 as part of a broader push to establish guardrails in the absence of federal action. The measure, sponsored by Mary Edly-Allen, targets large “frontier” AI developers and is modeled after similar efforts in New York and California, as states look to create a de facto national standard.
The bill would require major companies, such as OpenAI, Anthropic and Meta, to adopt transparency frameworks, assess and disclose catastrophic risks, and undergo third-party audits. It applies to firms with more than $500 million in annual revenue, a threshold designed to capture only the largest developers. Supporters, including some leading AI companies, argue the approach focuses oversight on the most advanced systems while allowing smaller firms to continue innovating.
The proposal has drawn pushback over its auditing requirements and how broadly it could apply as AI technology evolves. Industry groups and startup advocates warn the compliance costs and unclear standards could burden smaller companies or expand beyond the intended targets over time. Lawmakers have responded with amendments clarifying audit requirements, protecting proprietary information, and pushing the implementation timeline to 2028.
Despite those concerns, the measure is seen as an incremental step toward AI oversight. Experts note that requirements like transparency, testing and auditing remain relatively modest given the pace and potential risks of the technology, leaving open questions about whether such policies will serve as a foundation for stronger regulation or become the long-term standard.
Junk Fees Ban Heads to Governor
A bipartisan effort to eliminate hidden “junk fees” is headed to the desk of Governor JB Pritzker after clearing the Illinois Senate, marking a significant step toward requiring upfront, all-in pricing for consumers. The measure, House Bill 228, passed the Senate 46-12 and previously cleared the House with strong support, positioning Illinois to crack down on misleading pricing practices across industries.
The legislation would prohibit businesses from advertising prices that exclude mandatory fees or surcharges, a common frustration for consumers buying everything from concert tickets to hotel stays. By amending the state’s consumer fraud law, the bill requires companies to disclose the full price upfront, aiming to bring greater transparency and prevent sticker shock at checkout. Supporters argue such fees can inflate costs significantly and disproportionately harm working families while giving larger companies an advantage over smaller competitors.
Backed by lawmakers including Omar Aquino, the bill was amended to provide compliance pathways for certain industries, including financial institutions. A similar Senate proposal remains pending in the House, but momentum has coalesced around the House version now awaiting final action.
Pritzker has endorsed the effort, calling it a step toward fairness and affordability for Illinois consumers. With his expected signature, Illinois would join a growing number of states moving to require transparent, all-in pricing and eliminate hidden fees.
Lawmakers Bring Up EBF Formula
As budget negotiations intensify in Springfield, lawmakers are reassessing the state’s Evidence-Based Funding (EBF) formula nearly a decade after its adoption. The 2017 law was designed to improve equity by directing more state funding to the most under-resourced school districts, with a goal of bringing all districts to at least 90% of their “adequacy target.”
Since then, the state has added more than $3 billion through the formula, helping increase the number of adequately funded districts. But most districts still fall short. State data shows roughly 63% of Illinois’ 851 districts remain below 90% adequacy, including dozens funded at less than 70%. Education advocates say those gaps are showing up in classrooms through staffing shortages, program cuts and outdated materials.
Under the formula, the state is expected to add about $300 million annually for PreK-12 schools, with additional funding for property tax relief. District funding targets are calculated based on student needs, local revenue capacity and other factors, with new dollars prioritized for those furthest behind. Total state spending on public education now exceeds $11 billion annually, including funding outside the formula for transportation and other mandated costs.
Closing the remaining gap would require significant new investment. State officials estimate it would take roughly $3 billion more to bring all districts to 90% adequacy, plus another $600 million to fully cover mandated expenses not included in the formula. That reality has prompted renewed debate over whether the state should accelerate funding.
Legislation sponsored by Graciela Guzmán would require the state to fully fund the formula and cover mandated costs, though it does not appropriate funding itself. Supporters argue the state should match its requirements with resources, while some Republicans, including Terri Bryant, say the goal is worthwhile but raise concerns about affordability without new revenue.
Lawmakers are also divided on the results so far. State education officials point to improved graduation rates and narrowing achievement gaps as evidence the formula is working. But skeptics, including Blaine Wilhour, question whether increased spending has translated into measurable gains, arguing the state should more clearly link funding to student outcomes.
Proposal to Allow Unemployment Benefits to Education Support Workers
Illinois lawmakers are weighing a proposal that would allow school support workers, like bus drivers, paraprofessionals and cafeteria staff, to collect unemployment benefits during the summer months when school is out. The plan, known as the Unemployment Equity Act, has stalled in committee but could still resurface before the end of session, according to its House sponsor, Marcus Evans, who is considering folding it into a larger omnibus bill.
The legislation would carve out an exception to current rules that typically deny benefits to school employees who have a “reasonable assurance” of returning to work in the fall. Under the proposal, support staff could receive up to 47% of their weekly wages for the 10 to 11 weeks between school terms. Supporters, including major labor unions, argue the change would provide stability for workers who currently face a yearly income gap and could help schools fill thousands of open positions.
Cost remains the biggest hurdle. Estimates from the Illinois Department of Employment Security put the annual price tag between $138 million and $176 million, with school districts expected to shoulder most of that burden. District leaders have pushed back, arguing the state—not local schools—should cover the expense. Supporters counter that similar policies in other states have helped stabilize the workforce, though results on cost and staffing impacts have been mixed.
With time running short in Springfield, the proposal’s path forward likely depends on whether lawmakers can agree on how to pay for it—and whether it can gain traction as part of a broader end-of-session deal.
Affordable Housing Funded by Short-Term Rental Tax Proposed
An Illinois lawmaker is proposing a new 4% tax on short-term rentals, with the revenue directed toward affordable housing projects through community land trusts. The bill, introduced by Rep. Will Guzzardi, would create a dedicated state fund to support nonprofit land trusts that keep housing permanently affordable by separating land ownership from home ownership.
Under the proposal, the Illinois Housing Development Authority would use the revenue to help establish land trusts across the state. Supporters say the model can preserve affordability for generations and help counter displacement in rapidly gentrifying neighborhoods. The tax would take effect in 2027, though the bill does not estimate how much it would raise.
If enacted, the surcharge would add to Illinois’ existing 6% short-term rental tax, bringing the total to 10% statewide—and over 30% in Chicago, where additional local fees already apply. Guzzardi argues the added cost is unlikely to affect consumer behavior significantly, while critics, including Airbnb, say it would raise costs for hosts who rely on rental income.
The proposal comes amid ongoing debate over whether short-term rentals contribute to rising housing costs. While some studies suggest they play a modest role in rent and home price increases, most research points to broader market forces as the primary driver.
Governor Pritzker Announces $5 Million Available for Tourism Grant Programs
Governor JB Pritzker and the Illinois Department of Commerce and Economic Opportunity (DCEO) announced $5 million is available in tourism funding through three grant programs: the Route 66 Grant Program ($2 million), the International Tourism Grant Program ($1 million), and the Tourism Marketing Partnership Grant Program ($2 million). Eligible entities can apply for grants to promote and preserve the historic Route 66 corridor through the Route 66 Grant Program, grants to promote Illinois to international visitors through the International Tourism Grant Program, and grants to develop attractions, destinations, and events through the Tourism Marketing Partnership Grant Program in an effort to boost tourism and welcome more visitors to Illinois. Grantees will be selected through a competitive Notice of Funding Opportunity (NOFO) process.
“As our vibrant tourism industry continues to support job creation and boost local economies, these grants will help communities attract even more visitors from near and far to Illinois,” said Governor JB Pritzker. “Grants are available to develop new attractions and events, bring international visitors to Illinois, and celebrate Route 66’s historic centennial, and I encourage all eligible entities to apply.”
“The historic Route 66 corridor connects so many vibrant communities across our state,” said Lieutenant Governor Juliana Stratton. “Illinois has incredible stories to tell and experiences to share. These tourism grants will help communities strengthen local economies, welcome new visitors, and celebrate the people and places that make Illinois special.”
The State of Illinois continues to prioritize its tourism industry as millions of visitors spend billions of dollars annually across Illinois, boosting economic development and supporting jobs in the industry. Illinois reached its highest-ever hotel revenue figures in FY25 with $367 million – a 14% increase over the previous record set in FY24. Additionally, Illinois welcomed 113 million visitors who spent $48.5 billion in 2024 – representing 500,000 additional travelers spending $1.3 billion more than the previous calendar year.
“The State is making investments to boost tourism all across Illinois,” said DCEO Director Kristin Richards. “By building upon success through DCEO’s tourism grant programs, this additional funding will support a variety of efforts from promoting the historic Route 66’s 100th anniversary to marketing our state to visitors outside of the country and developing attractions and events throughout the state.”
Route 66 Grant Program
The Route 66 Grant Program will help promote, develop, preserve, and educate visitors about assets along the Illinois Route 66 corridor in celebration of the 100th anniversary this year. Route 66 is one of the most famous roads in America, and it serves as an important historical and cultural symbol. Route 66 was designated in 1926 as part of the new numbered highway network and grew to be one of the most well-known and traveled highways. The construction of Route 66 helped make the Western part of the United States accessible to anyone with a car, while generating economic benefits for many communities along the Route.
Eligible entities can apply for Route 66 grants between $20,000 to $500,000. Applications will be accepted until June 11 at 5:00 p.m. To view the NOFO and apply for the grant, please visit the DCEO website. To help applicants prepare to apply for funding, DCEO will be holding a webinar focused on the Route 66 Grant Program at 10:00 a.m. on May 27. Interested parties are also encouraged to reach out to CEO.GrantHelp@illinois.gov for application assistance.
International Tourism Grant Program
The International Tourism Grant Program will increase international travel to Illinois through marketing efforts directed to identified target markets that include Mexico, Canada, UK/Ireland, Germany, German-speaking regions in Austria and Switzerland, India, and Japan.
Eligible entities can apply for International Tourism grants between $10,000 to $200,000, with a 1:1 match requirement. Applications will be accepted until June 15 at 5:00 p.m. To view the NOFO and apply for the grant, please visit the DCEO website. Interested parties are also encouraged to reach out to CEO.GrantHelp@illinois.gov for application assistance.
Tourism Marketing Partnership Grant Program
Through the Tourism Marketing Partnership Grant Program, DCEO will provide matching grants to assist in the promotion of tourism attractions, destinations, and events in Illinois. Grant funding will help tourism partners market their attractions and events to increase visitation by both business and leisure travelers in order to increase overnight stays in Illinois.
Eligible entities can apply for Tourism Marketing Partnership grants between $10,000 to $100,000, with a 1:1 match requirement. Applications will be accepted until June 17 at 5:00 p.m. To view the NOFO and apply for the grant, please visit the DCEO website for the Cook County application and the Balance of State application. To help applicants prepare to apply for funding, DCEO will be holding a webinar focused on the Tourism Marketing Partnership Grant Program at 2:00 p.m. on May 26. Interested parties are also encouraged to reach out to CEO.GrantHelp@illinois.gov for application assistance.
Stay well,
Mike Paone
Executive Vice President
Joliet Region Chamber of Commerce & Industry
mpaone@jolietchamber.com
815.727.5371 main
815.727.5373 direct