# Illinois HB3352: COLLECTION AGENCY COERCED DEBT Illinois HB3352, COLLECTION AGENCY COERCED DEBT, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2025-08-15 (Public Act . . . . . . . . . 104-0297); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB3352-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB3352 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: COLLECTION AGENCY COERCED DEBT - Status: signed - Chamber: House - Introduced: 2025-02-07 - Last action: 2025-08-15, Public Act . . . . . . . . . 104-0297 - Sponsors: no sponsor on record - Cosponsors: 30 - Subjects: judiciary - civil, assignments, financial institutions - Touches household money: yes - Roll calls: 5 (186 yes, 30 no in all) - Economic provisions PRIA read: 6 ## Summary 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. ## Bill overview: provisions PRIA read - Debt relief for victims of coercion: benefit, high. 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 r… - Stronger court protections for coerced borrowers: benefit, high. 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 cover… - Victims can recover debt-related losses: benefit, high. 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… - Collectors get more time to sue: cost, low. 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. - Fraudulent debt verifiers face financial penalties: cost, low. 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. - Collection pauses with debt claim limits: mixed, medium. 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… ## Sponsors and cosponsors - Cosponsor: Adriane L. Johnson (Democratic), Senate - Cosponsor: Amy Briel (Democratic), House - Cosponsor: Camille Y. Lilly (Democratic), House - Cosponsor: Celina Villanueva (Democratic), Senate - Cosponsor: Christopher Belt (Democratic), Senate - Cosponsor: Dagmara Avelar (Democratic), House - Cosponsor: Diane Blair-Sherlock (Democratic), House - Cosponsor: Graciela Guzmán (Democratic), Senate - Cosponsor: Hoan Huynh (Democratic), House - Cosponsor: Jehan Gordon-Booth (Democratic), House - Cosponsor: Jennifer Gong-Gershowitz (Democratic), House - Cosponsor: Joyce Mason (Democratic), House - Cosponsor: Justin Slaughter (Democratic), House - Cosponsor: Karina Villa (Democratic), Senate - Cosponsor: Kelly M. Cassidy (Democratic), House - Cosponsor: Kevin John Olickal (Democratic), House - Cosponsor: Kimberly A. Lightford (Democratic), Senate - Cosponsor: Mary Edly-Allen (Democratic), Senate - Cosponsor: Maura Hirschauer (Democratic), House - Cosponsor: Nabeela Syed (Democratic), House - Cosponsor: Nicolle Grasse (Democratic), House - Cosponsor: Rachel Ventura (Democratic), Senate - Cosponsor: Rita Mayfield (Democratic), House - Cosponsor: Robert Peters (Democratic), Senate - Cosponsor: Stephanie A. Kifowit (Democratic), House - Cosponsor: Steve Stadelman (Democratic), Senate - Cosponsor: Sue Rezin (Republican), Senate - Cosponsor: Thaddeus Jones (Democratic), House - Cosponsor: Theresa Mah (Democratic), House - Cosponsor: Willie Preston (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-22 | Senate | Third Reading - Passed; | pass | 56 | 0 | | | 2025-05-07 | Senate | Do Pass Financial Institutions; | pass | 8 | 0 | | | 2025-04-10 | House | Third Reading - Short Debate - Passed | pass | 89 | 23 | | | 2025-04-09 | House | House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; | pass | 20 | 0 | | | 2025-03-19 | House | Do Pass / Short Debate Judiciary - Civil Committee; | pass | 13 | 7 | | ## Actions (61) - 2025-08-15: Public Act . . . . . . . . . 104-0297 (House) - 2025-08-15: Effective Date January 1, 2026 (House) - 2025-08-15: Governor Approved (House) - 2025-06-24: Added as Alternate Co-Sponsor Sen. Graciela Guzmán (Senate) - 2025-06-20: Sent to the Governor (House) - 2025-05-22: Added as Alternate Co-Sponsor Sen. Steve Stadelman (Senate) - 2025-05-22: Added as Alternate Co-Sponsor Sen. Christopher Belt (Senate) - 2025-05-22: Added as Alternate Chief Co-Sponsor Sen. Sue Rezin (Senate) - 2025-05-22: Added as Alternate Co-Sponsor Sen. Willie Preston (Senate) - 2025-05-22: Added as Alternate Co-Sponsor Sen. Mary Edly-Allen (Senate) - 2025-05-22: Added as Alternate Co-Sponsor Sen. Adriane L. Johnson (Senate) - 2025-05-22: Passed Both Houses (House) - 2025-05-22: Third Reading - Passed; 056-000-000 (Senate) - 2025-05-16: Added as Alternate Co-Sponsor Sen. Karina Villa (Senate) - 2025-05-16: Added as Alternate Co-Sponsor Sen. Celina Villanueva (Senate) - 2025-05-16: Added Co-Sponsor Rep. Thaddeus Jones (House) - 2025-05-08: Placed on Calendar Order of 3rd Reading May 13, 2025 (Senate) - 2025-05-08: Second Reading (Senate) - 2025-05-07: Placed on Calendar Order of 2nd Reading May 8, 2025 (Senate) - 2025-05-07: Do Pass Financial Institutions; 008-000-000 (Senate) - 2025-05-07: Added as Alternate Co-Sponsor Sen. Rachel Ventura (Senate) - 2025-05-07: Added as Alternate Chief Co-Sponsor Sen. Robert Peters (Senate) - 2025-04-29: Assigned to Financial Institutions (Senate) - 2025-04-23: Added Co-Sponsor Rep. Amy Briel (House) - 2025-04-14: Referred to Assignments (Senate) - 2025-04-14: First Reading (Senate) - 2025-04-14: Chief Senate Sponsor Sen. Kimberly A. Lightford (Senate) - 2025-04-14: Placed on Calendar Order of First Reading (Senate) - 2025-04-14: Arrive in Senate (Senate) - 2025-04-10: Added Co-Sponsor Rep. Hoan Huynh (House) - 2025-04-10: Added Co-Sponsor Rep. Rita Mayfield (House) - 2025-04-10: Added Co-Sponsor Rep. Nicolle Grasse (House) - 2025-04-10: Third Reading - Short Debate - Passed 089-023-000 (House) - 2025-04-10: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-04-10: House Floor Amendment No. 1 Adopted (House) - 2025-04-10: Added Co-Sponsor Rep. Camille Y. Lilly (House) - 2025-04-09: Added Co-Sponsor Rep. Theresa Mah (House) - 2025-04-09: House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; 020-000-000 (House) - 2025-04-08: Added Co-Sponsor Rep. Diane Blair-Sherlock (House) - 2025-04-08: House Floor Amendment No. 1 Rules Refers to Judiciary - Civil Committee (House) - 2025-04-07: House Floor Amendment No. 1 Referred to Rules Committee (House) - 2025-04-07: House Floor Amendment No. 1 Filed with Clerk by Rep. Kelly M. Cassidy (House) - 2025-03-26: Held on Calendar Order of Second Reading - Short Debate (House) - 2025-03-26: Second Reading - Short Debate (House) - 2025-03-19: Placed on Calendar 2nd Reading - Short Debate (House) - 2025-03-19: Do Pass / Short Debate Judiciary - Civil Committee; 013-007-000 (House) - 2025-03-11: Assigned to Judiciary - Civil Committee (House) - 2025-03-06: Added Co-Sponsor Rep. Justin Slaughter (House) - 2025-03-06: Added Co-Sponsor Rep. Jehan Gordon-Booth (House) - 2025-03-06: Added Co-Sponsor Rep. Jennifer Gong-Gershowitz (House) - 2025-03-06: Added Co-Sponsor Rep. Stephanie A. Kifowit (House) - 2025-03-04: Added Co-Sponsor Rep. Maura Hirschauer (House) - 2025-03-04: Added Co-Sponsor Rep. Kevin John Olickal (House) - 2025-03-04: Added Co-Sponsor Rep. Joyce Mason (House) - 2025-03-04: Added Co-Sponsor Rep. Dagmara Avelar (House) - 2025-02-18: Referred to Rules Committee (House) - 2025-02-18: First Reading (House) - 2025-02-14: Remove Chief Co-Sponsor Rep. Bradley Fritts (House) - 2025-02-14: Added Chief Co-Sponsor Rep. Bradley Fritts (House) - 2025-02-14: Added Chief Co-Sponsor Rep. Nabeela Syed (House) - 2025-02-07: Filed with the Clerk by Rep. Kelly M. Cassidy (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352.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/10400HB3352eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3352.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-HB3352-2025-2026 (as of 2026-11-01).