All Roll Calls
Yes: 186 • No: 30
Sponsored By: Sponsor information unavailable
Signed by Governor
Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.
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6 provisions identified: 3 benefits, 2 costs, 1 mixed.
Under Illinois law, you do not owe qualifying coerced debt, including the coerced part of a larger debt. This covers specified fraud, threats, force, coercion, undue influence, or unauthorized identity use involving family or household abuse or exploitation, and human trafficking. Debt secured by real property does not qualify. To claim relief, send the collection agency a complete written statement identifying the account, explaining the coercion, and listing preferred contact methods. Include supporting records and a signed statement that at least one household member experienced domestic violence, dating violence, sexual assault, stalking, or human trafficking. Supporting records can include police reports, court orders, financial records, communications, or verification from a qualified professional or clergy member. Within 180 days after the law's effective date, Illinois' financial regulator must publish model claim and verification forms with required signed verification language. Forms must be in English, with other languages available at the Department's discretion for significant consumer populations. Any agreement that gives up these rights or related legal claims is void.
You can use coerced debt as a defense against a collection lawsuit or arbitration. Submit a complete coerced-debt statement to both the collection agency and the court or arbitrator to establish an initial defense. The agency must then show that coercion more likely than not did not occur. In covered proceedings, the judge or arbitrator must protect you and your immediate family or household from an alleged perpetrator. Safety steps can include sealed records, hidden personal details, and remote depositions or evidence hearings.
A collection agency that breaks these protections owes you the greater of actual damages or court-awarded statutory damages up to $2,500 per debt. It also owes court costs and reasonable attorney's fees. A person found by a court or arbitrator to have caused coerced debt owes the collection agency the debt, minus amounts already paid. That person also owes you actual losses from debt payments, garnishments, and related costs.
You can submit a coerced-debt statement electronically or by mail to the collection agency's designated address. After an oral claim, the agency must report disputed adverse information to credit reporting agencies. Within 14 days, it must explain the written-claim requirement and refer you to the state's model statement. For an incomplete statement, the agency must identify missing information within 21 days; you then have 21 days to provide it. Collection may resume if the statement remains incomplete 30 days after the notice. Within 10 days after receiving a complete statement, the agency must stop collection efforts before judgment and report the dispute. It must review the complete claim and supporting records within 90 days. If it finds coercion, it must stop collecting the coerced debt, including through lawsuits or arbitration, and request deletion from credit reports. It may ask for the perpetrator's identity and contact details, if known. If it rejects the claim, it must send its written decision and supporting evidence through your preferred contact method before restarting collection. After a good-faith rejection, you cannot submit another statement about that debt before a lawsuit or arbitration; the agency need not answer repeat statements. The agency cannot share your contact details or claim documents with the alleged perpetrator or others, but may share an allegation summary for collection purposes.
The deadline to sue over alleged coerced debt pauses while the collection agency is temporarily barred from starting legal action. This gives the agency more time to bring a collection case after the pause ends.
Qualified third parties face liability for fraudulently certifying that a debtor sought help with coerced debt, abuse, exploitation, or trafficking. They owe the collection agency actual damages, court costs, and reasonable attorney's fees. These payments go to the collection agency, not the debtor.
There is no primary sponsor on record.
Adriane L. Johnson
Democratic • Senate
Amy Briel
Democratic • House
Camille Y. Lilly
Democratic • House
Celina Villanueva
Democratic • Senate
Christopher Belt
Democratic • Senate
Dagmara Avelar
Democratic • House
Diane Blair-Sherlock
Democratic • House
Graciela Guzmán
Democratic • Senate
Hoan Huynh
Democratic • House
Jehan Gordon-Booth
Democratic • House
Jennifer Gong-Gershowitz
Democratic • House
Joyce Mason
Democratic • House
Justin Slaughter
Democratic • House
Karina Villa
Democratic • Senate
Kelly M. Cassidy
Democratic • House
Kevin John Olickal
Democratic • House
Kimberly A. Lightford
Democratic • Senate
Mary Edly-Allen
Democratic • Senate
Maura Hirschauer
Democratic • House
Nabeela Syed
Democratic • House
Nicolle Grasse
Democratic • House
Rachel Ventura
Democratic • Senate
Rita Mayfield
Democratic • House
Robert Peters
Democratic • Senate
Stephanie A. Kifowit
Democratic • House
Steve Stadelman
Democratic • Senate
Sue Rezin
Republican • Senate
Thaddeus Jones
Democratic • House
Theresa Mah
Democratic • House
Willie Preston
Democratic • Senate
All Roll Calls
Yes: 186 • No: 30
Senate vote • 5/22/2025
Third Reading - Passed;
Yes: 56 • No: 0
Senate vote • 5/7/2025
Do Pass Financial Institutions;
Yes: 8 • No: 0
House vote • 4/10/2025
Third Reading - Short Debate - Passed
Yes: 89 • No: 23
House vote • 4/9/2025
House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee;
Yes: 20 • No: 0
House vote • 3/19/2025
Do Pass / Short Debate Judiciary - Civil Committee;
Yes: 13 • No: 7
Public Act . . . . . . . . . 104-0297
Effective Date January 1, 2026
Governor Approved
Added as Alternate Co-Sponsor Sen. Graciela Guzmán
Sent to the Governor
Added as Alternate Co-Sponsor Sen. Steve Stadelman
Added as Alternate Co-Sponsor Sen. Christopher Belt
Added as Alternate Chief Co-Sponsor Sen. Sue Rezin
Added as Alternate Co-Sponsor Sen. Willie Preston
Added as Alternate Co-Sponsor Sen. Mary Edly-Allen
Added as Alternate Co-Sponsor Sen. Adriane L. Johnson
Passed Both Houses
Third Reading - Passed; 056-000-000
Added as Alternate Co-Sponsor Sen. Karina Villa
Added as Alternate Co-Sponsor Sen. Celina Villanueva
Added Co-Sponsor Rep. Thaddeus Jones
Placed on Calendar Order of 3rd Reading May 13, 2025
Second Reading
Placed on Calendar Order of 2nd Reading May 8, 2025
Do Pass Financial Institutions; 008-000-000
Added as Alternate Co-Sponsor Sen. Rachel Ventura
Added as Alternate Chief Co-Sponsor Sen. Robert Peters
Assigned to Financial Institutions
Added Co-Sponsor Rep. Amy Briel
Referred to Assignments
Engrossed
Enrolled
House Amendment 1
Introduced
HB5198, AFFORDABLE HOUSING-CILAS
Amends the Affordable Housing Planning and Appeal Act. Requires non-exempt local governments to provide residents with notice and the opportunity for comment at a public hearing prior to adopting an affordable housing plan. Requires a non-exempt local government to provide proof of its compliance with the notice and public hearing requirements when it submits a copy of its affordable housing plan to the Illinois Housing Development Authority. Expands the list of information that must be provided in the affordable housing plan to include, (i) an identification of "specific lands" (rather than "lands") within the jurisdiction that are most appropriate for the construction of affordable housing, (ii) proposed timelines to commence "specific actions and deadlines" (rather than "actions") to implement the components of the affordable housing plan, and (iii) incentives, including certain measures to address the need for affordable housing, that the local government may provide for the purpose of attracting affordable housing. In a provision permitting certain persons to appeal a local government's denial of a proposed affordable housing plan, expands the list to include a service provider that is under contract to provide services for potential residents of a proposed supportive housing project or community-integrated living arrangement that is included in the proposed affordable housing plan. Contains provisions concerning final actions or decisions by the governing body of the local government on the proposed affordable housing plans; appeal procedures and timelines; and other matters. Expands the Illinois Housing Development Authority's rulemaking authority to include the adoption of rules and regulations concerning the substance of affordable housing plans consistent with the changes made in the amendatory Act.
SB1937, PENSION CODE-VARIOUS
Amends the State Employee Article of the Illinois Pension Code. Provides that a member who is eligible to receive an alternative retirement annuity may elect to receive an estimated payment that shall commence no later than 30 days after the later of either the member's last day of employment or 30 days after the member files for the retirement benefit with the System. Provides that the estimated payment shall be the best estimate by the System of the total monthly amount due to the member based on the information that the System possesses at the time of the estimate. Provides that if the amount of the estimate is greater or less than the actual amount of the monthly annuity, the System shall pay or recover the difference within 6 months after the start of the monthly annuity. Excludes a benefit increase resulting from the amendatory Act from the definition of "new benefit increase". Effective immediately.
HB2563, CONDO-RESERVE STUDY
Amends the Common Interest Community Association Act. Requires a common interest association to conduct and update a reserve study every 5 years. "Reserve study" means an analysis of the reserves required for future major maintenance, repairs, and replacements of the common elements. Grants a 5-year window for an association to conduct a reserve study or update a current study. Requires a reserve study to be made available to any prospective purchaser of a unit upon request for a resale of any unit in the community. Exempts an association with 15 or fewer units but still requires the board to comply with the budgeting and reserve requirements elsewhere in the Act. Amends the Condominium Property Act to make similar changes.
HB4701, LIMITATIONS FACILITY FEES ACT
Creates the Limitations on Facility Fees Act. Provides that no health care provider shall charge, bill, or collect a facility fee, except for: (i) services provided on a hospital's campus; (ii) services provided at a facility that includes a licensed hospital emergency department; or (iii) emergency services provided at a freestanding emergency center. Provides that, except as specified, no health care provider shall charge, bill, or collect a facility fee for: (i) outpatient evaluation and management services; or (ii) any other outpatient, diagnostic, or imaging services identified by the Department of Public Health. Requires the Department to annually identify services subject to the limitations on specified facility fees that may reliably be provided safely and effectively in settings other than hospitals. Sets forth provisions concerning reporting, rulemaking, and enforcement of the Act. Amends the Fair Patient Billing Act to make a conforming change. Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that any person who violates the Limitations on Facility Fees Act commits an unlawful practice.
SB3008, DHS-ABLE PROGRAM INFO MATERIAL
Amends the Mental Health and Developmental Disabilities Administrative Act and the Rehabilitation of Persons with Disabilities Act. Required the Department of Human Services to provide informational materials about the Senator Scott Bennett ABLE Program to: persons who are placed in a facility licensed under the ID/DD Community Care Act, the MC/DD Act, or the Specialized Mental Health Rehabilitation Act of 2013; persons with disabilities who receive services funded by or administered in conjunction with the Department, including, but not limited to, home and community based services, home-based support services, PUNS services, home care services, and services at a Center for Independent Living. Provides that the informational materials shall be provided when a person first enrolls for such services and as part of any annual process required for the person to maintain eligibility for such services. Requires the Office of the State Treasurer to prepare and deliver the informational materials in an electronic format to the Department and distribute the materials to eligible persons.
SB3484, VEH CD-PLATES-REGISTRATION
Amends the Illinois Vehicle Code. Provides that the design and color of registration plates shall be wholly within the discretion of the Secretary of State. Provides that plates for veterans with disabilities who have been approved for benefits under the Senior Citizens and Persons with Disabilities Property Tax Relief Act shall pay a specified fee (instead of $24). Authorizes the Secretary to suspend or revoke a certificate or the special plates issued to tow truck or wrecker operator upon determining that the person is not lawfully entitled thereto or has made or knowingly permitted any illegal use of the plates or has committed fraud in the registration of vehicles or failed to give notices of transfers. Prohibits a vehicle from being registered in the name of a person who is not an owner or lessee of that vehicle. Requires a vehicle owner seeking to register a vehicle in the State to register that vehicle to a State address. Provides that it is a violation for a person to alter, forge, or counterfeit a license plate or digital license plate. Provides that if no assignable title is available when auctioning a vehicle, the auctioneer or dealer must apply for Illinois title for the purpose of assigning title. Provides that the renewal fee for licenses and permits issued to 18, 19, and 20 year olds is $5. Provides that the Secretary shall issue a meter-exempt decal or device to the parent of a person with a disability who is under 18 years of age and incapable of driving or the legal guardian of a person with a disability incapable of driving. Makes other changes.