An occupant restraint assembly and for a motor vehicle operates to sense the tension forces on a seat belt to detect the presence of a human occupant or a child restraint seat. A sensor attached to the seat belt measures tension forces. The sensor is mounted in line with the seat belt. A strain gauge senses tension on the seat belt. An additional embodiment of the sensor includes three prongs attached to a common beam that allow the sensor to be slipped onto the seat belt without modification to the seat belt. A middle prong includes the strain gauge to sense movement relative to outside prongs. The seat belt threads over the outside prongs and under the middle prong such that tension on the seat belt forces the middle prong transversely to tension exerted on the seat belt.