# Illinois HB2785: CREDIT UNIONS-VARIOUS Illinois HB2785, CREDIT UNIONS-VARIOUS, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2025-08-15 (Public Act . . . . . . . . . 104-0248); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB2785-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB2785 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: CREDIT UNIONS-VARIOUS - Status: signed - Chamber: House - Introduced: 2025-02-05 - Last action: 2025-08-15, Public Act . . . . . . . . . 104-0248 - Sponsors: no sponsor on record - Cosponsors: 13 - Subjects: financial institutions and licensing, assignments, executive, insurance - Touches household money: yes - Roll calls: 9 (471 yes, 4 no in all) - Economic provisions PRIA read: 3 ## Summary Amends the Illinois Credit Union Act. Authorizes a credit union to furnish information to any person on a list submitted and periodically updated by a member who is an elderly person or person with a disability or to specified other persons, if there is suspicion by the credit union that the member has been or may become a victim of financial exploitation. Provides that the board of directors of a credit union with a composite rating of either 1 or 2 under the Uniform Financial Institutions Rating System known as the CAMELS supervisory rating system and a management rating under such composite rating of either 1 or 2 may meet not less than 4 (instead of 6) times annually. Provides that the supervisory committee of a credit union with assets of less than $10,000,000 may, at its option, engage (instead of a credit union with assets of $5,000,000 or more, but less than $10,000,000 shall engage) a licensed certified public accountant or licensed certified public accounting firm to perform specified auditing and other services. Permits the merger of credit unions, without meeting certain voting and notice requirements, where supervisory concerns exist and upon agreement of the boards of directors of the merging and continuing credit unions, as confirmed by a majority vote of the directors present at a meeting of each board at which a quorum is present. Makes other changes. ## Bill overview: provisions PRIA read - Direct ambulance payments limit patient bills: benefit, medium. Beginning January 1, 2027, insurers must pay out-of-network ground ambulance providers that reasonably request payment, after subtracting patient cost sharing. Where local government has jurisdiction, its set or approved rate applies. Otherwise, payment is the lowest of the negotiated rate, 85% of… - More coverage and ambulance cost protections: benefit, medium. Group and individual health policies amended, delivered, issued, or renewed starting January 1, 2027, must cover emergency and urgent ground ambulance services. A health professional must certify urgent rides as medically necessary and needed within 12 hours after certification. For out-of-network… - Public ambulance rates bring reporting duties: mixed, low. Beginning October 1, 2026, out-of-network ground ambulance providers must report average gross charges annually to Illinois’ health department. Reports cover specified base service charges and loaded mileage, plus any other information the department requires. The department must make the rates pub… ## Sponsors and cosponsors - Cosponsor: Anthony DeLuca (Democratic), House - Cosponsor: Dave Vella (Democratic), House - Cosponsor: Hoan Huynh (Democratic), House - Cosponsor: Jay Hoffman (Democratic), House - Cosponsor: Joyce Mason (Democratic), House - Cosponsor: Linda Holmes (Democratic), Senate - Cosponsor: Margaret Croke (Democratic), House - Cosponsor: Martin J. Moylan (Democratic), House - Cosponsor: Mary Gill (Democratic), House - Cosponsor: Michael J. Kelly (Democratic), House - Cosponsor: Natalie A. Manley (Democratic), House - Cosponsor: Ram Villivalam (Democratic), Senate - Cosponsor: Rick Ryan (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-31 | House | Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; | pass | 17 | 0 | | | 2025-05-31 | House | Senate Floor Amendment No. 3 House Concurs | pass | 116 | 0 | | | 2025-05-31 | House | Senate Committee Amendment No. 1 House Concurs | pass | 116 | 0 | | | 2025-05-31 | House | Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Insurance Committee; | pass | 17 | 0 | | | 2025-05-30 | Senate | Third Reading - Passed; | pass | 57 | 0 | | | 2025-05-29 | Senate | Senate Floor Amendment No. 3 Recommend Do Adopt Executive; | pass | 12 | 0 | | | 2025-05-15 | Senate | Do Pass as Amended Executive; | pass | 9 | 4 | | | 2025-04-11 | House | Third Reading - Short Debate - Passed | pass | 115 | 0 | | | 2025-03-11 | House | Do Pass as Amended / Short Debate Financial Institutions and Licensing Committee; | pass | 12 | 0 | | ## Actions (73) - 2025-08-15: Public Act . . . . . . . . . 104-0248 (House) - 2025-08-15: Effective Date August 15, 2025 (House) - 2025-08-15: Governor Approved (House) - 2025-06-24: Sent to the Governor (House) - 2025-05-31: Passed Both Houses (House) - 2025-05-31: House Concurs (House) - 2025-05-31: Senate Floor Amendment No. 3 House Concurs 116-000-000 (House) - 2025-05-31: Senate Committee Amendment No. 1 House Concurs 116-000-000 (House) - 2025-05-31: Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Insurance Committee; 017-000-000 (House) - 2025-05-31: Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; 017-000-000 (House) - 2025-05-31: Senate Floor Amendment No. 3 Motion to Concur Rules Referred to Insurance Committee (House) - 2025-05-31: Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Insurance Committee (House) - 2025-05-30: Senate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee (House) - 2025-05-30: Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee (House) - 2025-05-30: Senate Floor Amendment No. 3 Motion Filed Concur Rep. Martin J. Moylan (House) - 2025-05-30: Senate Committee Amendment No. 1 Motion Filed Concur Rep. Martin J. Moylan (House) - 2025-05-30: Placed on Calendar Order of Concurrence Senate Amendment(s) 1, 3 (House) - 2025-05-30: Arrived in House (House) - 2025-05-30: Senate Floor Amendment No. 2 Tabled Pursuant to Rule 5-4(a) (Senate) - 2025-05-30: Third Reading - Passed; 057-000-000 (Senate) - 2025-05-30: Placed on Calendar Order of 3rd Reading (Senate) - 2025-05-30: Senate Floor Amendment No. 3 Adopted; Villivalam (Senate) - 2025-05-30: Recalled to Second Reading (Senate) - 2025-05-29: Senate Floor Amendment No. 3 Recommend Do Adopt Executive; 012-000-000 (Senate) - 2025-05-29: Added as Alternate Chief Co-Sponsor Sen. Linda Holmes (Senate) - 2025-05-29: Alternate Chief Sponsor Changed to Sen. Ram Villivalam (Senate) - 2025-05-29: Senate Floor Amendment No. 3 Assignments Refers to Executive (Senate) - 2025-05-29: Senate Floor Amendment No. 3 Referred to Assignments (Senate) - 2025-05-29: Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-05-28: Senate Floor Amendment No. 2 Referred to Assignments (Senate) - 2025-05-28: Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam (Senate) - 2025-05-23: Rule 2-10 Third Reading/Passage Deadline Established As June 1, 2025 (Senate) - 2025-05-15: Placed on Calendar Order of 3rd Reading May 20, 2025 (Senate) - 2025-05-15: Second Reading (Senate) - 2025-05-15: Placed on Calendar Order of 2nd Reading (Senate) - 2025-05-15: Do Pass as Amended Executive; 009-004-000 (Senate) - 2025-05-14: Senate Committee Amendment No. 1 Adopted (Senate) - 2025-05-14: Senate Committee Amendment No. 1 Assignments Refers to Executive (Senate) - 2025-05-13: Alternate Chief Sponsor Changed to Sen. Don Harmon (Senate) - 2025-05-13: Senate Committee Amendment No. 1 Referred to Assignments (Senate) - 2025-05-13: Senate Committee Amendment No. 1 Filed with Secretary by Sen. Don Harmon (Senate) - 2025-05-09: Rule 2-10 Committee Deadline Established As May 23, 2025 (Senate) - 2025-05-08: Assigned to Executive (Senate) - 2025-04-14: Referred to Assignments (Senate) - 2025-04-14: First Reading (Senate) - 2025-04-14: Chief Senate Sponsor Sen. David Koehler (Senate) - 2025-04-14: Placed on Calendar Order of First Reading (Senate) - 2025-04-14: Arrive in Senate (Senate) - 2025-04-11: Added Co-Sponsor Rep. Hoan Huynh (House) - 2025-04-11: Added Co-Sponsor Rep. Dave Vella (House) - 2025-04-11: Added Co-Sponsor Rep. Anthony DeLuca (House) - 2025-04-11: Added Co-Sponsor Rep. Joyce Mason (House) - 2025-04-11: Added Co-Sponsor Rep. Rick Ryan (House) - 2025-04-11: Added Co-Sponsor Rep. Mary Gill (House) - 2025-04-11: Added Co-Sponsor Rep. Michael J. Kelly (House) - 2025-04-11: Added Co-Sponsor Rep. Natalie A. Manley (House) - 2025-04-11: Third Reading - Short Debate - Passed 115-000-000 (House) - 2025-04-10: Chief Sponsor Changed to Rep. Martin J. Moylan (House) - 2025-04-10: Added Chief Co-Sponsor Rep. Jay Hoffman (House) - 2025-04-10: Chief Sponsor Changed to Rep. Ann M. Williams (House) - 2025-03-25: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-03-25: 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 Financial Institutions and Licensing Committee; 012-000-000 (House) - 2025-03-11: House Committee Amendment No. 1 Adopted in Financial Institutions and Licensing Committee; by Voice Vote (House) - 2025-03-11: Added Chief Co-Sponsor Rep. Margaret Croke (House) - 2025-03-05: House Committee Amendment No. 1 Rules Refers to Financial Institutions and Licensing 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. Jay Hoffman (House) - 2025-03-04: Assigned to Financial Institutions and Licensing Committee (House) - 2025-02-06: Referred to Rules Committee (House) - 2025-02-06: First Reading (House) - 2025-02-05: Filed with the Clerk by Rep. Jay Hoffman (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam001.pdf) - Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam002.pdf) - Senate Amendment 3: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam003.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/10400HB2785eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam001.pdf) - [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam002.pdf) - [Senate Amendment 3 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB2785sam003.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-HB2785-2025-2026 (as of 2026-11-01).