# Illinois HB1865: FRAUD-TARGETED INSURANCE SALES Illinois HB1865, FRAUD-TARGETED INSURANCE SALES, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2025-08-01 (Public Act . . . . . . . . . 104-0055) (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB1865-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB1865 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: FRAUD-TARGETED INSURANCE SALES - Status: signed - Chamber: House - Introduced: 2025-01-29 - Last action: 2025-08-01, Public Act . . . . . . . . . 104-0055 - Sponsors: no sponsor on record - Cosponsors: 10 - Subjects: consumer protection, assignments, insurance - Touches household money: no - Roll calls: 4 (177 yes, 0 no in all) - Economic provisions PRIA read: 0 ## Summary Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Cosponsor: Amy Briel (Democratic), House - Cosponsor: Christopher Belt (Democratic), Senate - Cosponsor: Diane Blair-Sherlock (Democratic), House - Cosponsor: Doris Turner (Democratic), Senate - Cosponsor: Julie A. Morrison (Democratic), Senate - Cosponsor: Laura Ellman (Democratic), Senate - Cosponsor: Michael W. Halpin (Democratic), Senate - Cosponsor: Stephanie A. Kifowit (Democratic), House - Cosponsor: Sue Scherer (Democratic), House - Cosponsor: Suzy Glowiak Hilton (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-21 | Senate | Third Reading - Passed; | pass | 57 | 0 | | | 2025-04-30 | Senate | Do Pass Insurance; | pass | 9 | 0 | | | 2025-04-07 | House | Third Reading - Short Debate - Passed | pass | 104 | 0 | | | 2025-03-11 | House | Do Pass as Amended / Short Debate Consumer Protection Committee; | pass | 7 | 0 | | ## Actions (37) - 2025-08-01: Public Act . . . . . . . . . 104-0055 (House) - 2025-08-01: Effective Date January 1, 2026 (House) - 2025-08-01: Governor Approved (House) - 2025-06-17: Sent to the Governor (House) - 2025-05-21: Passed Both Houses (House) - 2025-05-21: Third Reading - Passed; 057-000-000 (Senate) - 2025-05-21: Added as Alternate Co-Sponsor Sen. Julie A. Morrison (Senate) - 2025-05-06: Added as Alternate Chief Co-Sponsor Sen. Laura Ellman (Senate) - 2025-05-01: Added as Alternate Chief Co-Sponsor Sen. Christopher Belt (Senate) - 2025-05-01: Placed on Calendar Order of 3rd Reading May 6, 2025 (Senate) - 2025-05-01: Second Reading (Senate) - 2025-05-01: Added as Alternate Co-Sponsor Sen. Michael W. Halpin (Senate) - 2025-05-01: Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton (Senate) - 2025-04-30: Placed on Calendar Order of 2nd Reading May 1, 2025 (Senate) - 2025-04-30: Do Pass Insurance; 009-000-000 (Senate) - 2025-04-23: Assigned to Insurance (Senate) - 2025-04-09: Referred to Assignments (Senate) - 2025-04-09: First Reading (Senate) - 2025-04-09: Chief Senate Sponsor Sen. Doris Turner (Senate) - 2025-04-08: Placed on Calendar Order of First Reading April 9, 2025 (Senate) - 2025-04-08: Arrive in Senate (Senate) - 2025-04-07: Third Reading - Short Debate - Passed 104-000-000 (House) - 2025-03-18: Added Co-Sponsor Rep. Stephanie A. Kifowit (House) - 2025-03-18: Added Chief Co-Sponsor Rep. Diane Blair-Sherlock (House) - 2025-03-18: Added Chief Co-Sponsor Rep. Amy Briel (House) - 2025-03-18: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-03-18: Second Reading - Short Debate (House) - 2025-03-12: Placed on Calendar 2nd Reading - Short Debate (House) - 2025-03-11: Do Pass as Amended / Short Debate Consumer Protection Committee; 007-000-000 (House) - 2025-03-11: House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote (House) - 2025-03-11: House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee (House) - 2025-03-04: House Committee Amendment No. 1 Referred to Rules Committee (House) - 2025-03-04: House Committee Amendment No. 1 Filed with Clerk by Rep. Sue Scherer (House) - 2025-02-25: Assigned to Consumer Protection Committee (House) - 2025-01-29: Referred to Rules Committee (House) - 2025-01-29: First Reading (House) - 2025-01-29: Filed with the Clerk by Rep. Sue Scherer (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865.pdf) ## Related bills - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - SB1937: PENSION CODE-VARIOUS (passed senate) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB1865.pdf) ## Related - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-HB1865-2025-2026 (as of 2026-11-01).