Abstract: A ceiling retractable three point seat belt system for restraining a passenger in a vehicle seat includes a seat belt webbing having a first end connected to a retractor secured to the vehicle, a first buckle anchored to the vehicle and disposed on one side of the passenger, and a second buckle anchored to the vehicle and disposed on an opposite side of the passenger. Further, a first latch member is connected to a second end of the seat belt webbing, remote from the first end, wherein the first latch member has a first tongue plate engageable with the, first buckle. A second latch member has a webbing loop, through which the seat belt webbing is threaded, such that the second latch member is slidable along the seat belt webbing, from the first latch member toward the retractor. The second latch member has a second tongue plate engageable with the second buckle.