BANKS-OVERDRAFT FEE BAN
Sponsored By: Hoan Huynh (Democratic)
In Committee
Summary
Amends the Illinois Banking Act, the Savings Bank Act, and the Illinois Credit Union Act. Directs the Secretary of Financial and Professional Regulation to adopt and enforce administrative rules that prohibit the imposition by a bank, savings bank, or credit union of charges in connection with (i) a check drawn or other written order upon, or electronic transfer sought to be effectuated against, insufficient funds or uncollected balances in a consumer account, whether or not the financial institution pays such check, written order, or electronic transfer or (ii) a check or other written order received by such an institution for deposit or collection drawn against a consumer account and subsequently dishonored and returned for any reason by the drawee. Amends the Uniform Commercial Code. Repeals a provision that authorizes the imposition of overdraft fees. Amends the Criminal Code of 2012 and the Interest Act to make conforming changes.
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Bill Overview
No Economic Impacts Identified for this Bill
Sponsors & Cosponsors
Sponsor
Hoan Huynh
Democratic • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Rule 19(a) / Re-referred to Rules Committee
3/27/2026HouseAssigned to Financial Institutions and Licensing Committee
3/18/2026HouseReferred to Rules Committee
1/20/2026HouseFirst Reading
1/20/2026HouseFiled with the Clerk by Rep. Hoan Huynh
1/16/2026House
Bill Text
Introduced
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