# Illinois HB4430: PUBLIC ADJUSTER & CHECK VERIFY

Illinois HB4430, PUBLIC ADJUSTER & CHECK VERIFY, is a 104th General Assembly (2025–2026) House bill sponsored by Anne Stava (Democratic); status in committee, last action 2026-03-27 (Rule 19(a) / Re-referred to Rules Committee) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-HB4430-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois HB4430
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: PUBLIC ADJUSTER & CHECK VERIFY
- Status: in committee
- Chamber: House
- Introduced: 2026-01-14
- Last action: 2026-03-27, Rule 19(a) / Re-referred to Rules Committee
- Sponsor: Anne Stava (Democratic)
- Cosponsors: 0
- Subjects: insurance
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Amends the Illinois Banking Act. Requires a bank to confirm the identification of a payee and verify endorsements are proper before processing a check for which the name of a borrower or other payee is relied upon for payment, credit, or loan disbursement. Provides that a bank may satisfy the verification requirements through the specified commercially reasonable means of identification. Exempts checks processed solely through automated check clearing processes without manual review, that are authorized by federal law. Amends the Public Adjusters Article of the Illinois Insurance Code. Establishes proof of licensure requirements for licensed public adjusters.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Anne Stava (Democratic), House

## Actions (5)

- 2026-03-27: Rule 19(a) / Re-referred to Rules Committee (House)
- 2026-03-12: Assigned to Insurance Committee (House)
- 2026-01-20: Referred to Rules Committee (House)
- 2026-01-20: First Reading (House)
- 2026-01-14: Filed with the Clerk by Rep. Anne Stava (House)

## Bill text

- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4430.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
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4430.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-HB4430-2025-2026 (as of 2026-11-01).