# Illinois HB3754: INS CD-OUTSTANDING BALANCE

Illinois HB3754, INS CD-OUTSTANDING BALANCE, is a 104th General Assembly (2025–2026) House bill sponsored by Mary Gill (Democratic); status in committee, last action 2025-04-11 (House Floor Amendment No. 1 Rule 19(c) / Re-referred to Rules Committee); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-HB3754-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois HB3754
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INS CD-OUTSTANDING BALANCE
- Status: in committee
- Chamber: House
- Introduced: 2025-02-07
- Last action: 2025-04-11, House Floor Amendment No. 1 Rule 19(c) / Re-referred to Rules Committee
- Sponsor: Mary Gill (Democratic)
- Cosponsors: 0
- Subjects: insurance
- Touches household money: yes
- Roll calls: 1 (17 yes, 0 no in all)
- Economic provisions PRIA read: 0

## Summary

Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Mary Gill (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-20 | House | Do Pass / Short Debate Insurance Committee; | pass | 17 | 0 |   |

## Actions (13)

- 2025-04-11: House Floor Amendment No. 1 Rule 19(c) / Re-referred to Rules Committee (House)
- 2025-04-11: Rule 19(a) / Re-referred to Rules Committee (House)
- 2025-04-08: House Floor Amendment No. 1 Rules Refers to Insurance Committee (House)
- 2025-04-08: House Floor Amendment No. 1 Referred to Rules Committee (House)
- 2025-04-08: House Floor Amendment No. 1 Filed with Clerk by Rep. Mary Gill (House)
- 2025-03-26: Held on Calendar Order of Second Reading - Short Debate (House)
- 2025-03-26: Second Reading - Short Debate (House)
- 2025-03-21: Placed on Calendar 2nd Reading - Short Debate (House)
- 2025-03-20: Do Pass / Short Debate Insurance Committee; 017-000-000 (House)
- 2025-03-11: Assigned to Insurance Committee (House)
- 2025-02-18: Referred to Rules Committee (House)
- 2025-02-18: First Reading (House)
- 2025-02-07: Filed with the Clerk by Rep. Mary Gill (House)

## Bill text

- House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3754ham001.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3754.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
- [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3754ham001.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB3754.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-HB3754-2025-2026 (as of 2026-11-01).