All Roll Calls
Yes: 485 • No: 131
IllinoisHB4537104th General Assembly (2025–2026)HouseWALLET
LOC GOV-CREDIT CARD AGREEMENTS
Sponsored By: Sponsor information unavailable
Became Law
Summary
Amends the Local Governmental Acceptance of Credit Cards Act. Provides that the governing body of a governmental entity accepting payment by credit card may enter into agreements with third-party software providers for the purpose of ensuring that the governmental entity receives the correct remittance for payment. Provides that, if a governmental entity enters into an agreement with one or more financial institutions or other service providers to facilitate the acceptance and processing of credit card payments, then the agreement may not restrict or prevent the governmental entity from using the payment processing system outlined in the State Treasurer Act or any other payment processing system that the governmental entity has procured. Effective immediately.
financial institutions and licensingassignmentsrevenue & finance
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Bill Overview
Analyzed Economic Effects
12 provisions identified: 5 benefits, 2 costs, 5 mixed.
Cash help after tax deed loss
The law pays indemnity to some owners who lose a home to a tax deed. It covers property with four or fewer units where the owner lived there. The award equals fair cash value on the deed date minus mortgages and liens, up to $99,000. You can get more only if you prove you were not at fault under the law. You must file within 10 years. A court can pay part straight to a mortgage lender when required.
Big counties take over many tax sales
Counties can bid for and hold tax liens and certificates as trustee for all taxing districts. In counties with 3,000,000+ people, starting with the seventh tax sale after this law, the county must offer to buy every property for the total tax due (it does not use this power for the first six sales). A pilot also lets those large counties choose up to 100 low‑tax homestead properties at each of the first six sales and publish the list 30 days before. Unsold liens and some certificates are forfeited to the county to manage and resell later, and money from later auctions goes to taxing districts after subtracting sale costs, with any surplus kept for former owners. Counties record and manage these forfeited interests as trustee under state law.
Tax‑deed auction costs and protections
The judgment amount earns interest at 0.75% per month until the auction. County clerk fees are $10 in 3,000,000+ counties and $5 elsewhere. Surplus‑equity fees are $1,000 in large counties and $500 elsewhere; if a petitioner pays after expiration, they also owe 10% of principal taxes and interest paid. The auction must start at the judgment plus 0.75% per month, plus publication and officer costs, and be offered within 120 days after the court order. Extra bid money is deposited with the treasurer, who must notify the former owner to claim the surplus, and the court confirms sales and directs deed issuance. Owner‑occupants can ask to set aside a noncompliant sale without posting a bond, small defects do not void a sale, and tax deeds are recorded without municipal transfer stamps or local transfer taxes.
Stronger protections for distressed homeowners
The law defines distressed property and who counts as a consultant or purchaser. Contracts must include the full deal terms, buyer contact info, and a clear cancellation notice, and any lease must let the owner end it at will without penalty. If the home is at risk for unpaid taxes, the contract must warn about possible rights to surplus equity or indemnity after a tax deed, and that selling can forfeit those rights. It advises owners to talk to a lawyer before selling.
Earlier, clearer tax sale notices
The tax‑sale ad must list each property’s PIN, may list the address, and show if the county plans to buy it. It must run at least once 10+ days before judgment and list owner name (if known), total owed, and years due. Owners and lenders must get a clear notice 3 to 6 months before redemption ends, with Spanish, Polish, and Mandarin warnings in counties with 3,000,000+ people. Auction notices must be mailed (first‑class, and certified to the owner), and published weekly for 3 weeks with strict timing and in the correct local paper. The collector keeps a detailed annual record at the county clerk’s office. The law also clarifies who is an interested party and what counts as a tax sale or a tax‑deed auction.
Easier to fix wrongful tax sales
Courts must set a sale aside for listed mistakes, like taxes already paid, a void or double assessment, government ownership, certain bankruptcies, destroyed improvements, or hidden hazardous waste. For mobile homes, the law lists specific error grounds too. A county collector can declare an administrative sale in error before redemption ends, but must notify the certificate owner, who has 28 days to object. If a sale is declared an error, the sale money is refunded with interest when the certificate is returned, except for a nonrefundable $80 fee in some cases.
Money back from surplus equity fund
Former owners can ask the court for a surplus‑equity award up to the property’s fair cash value on the deed date, minus mortgages, liens, and taxes paid. Some claims must be filed within 2 years, tied to the law’s effective date or the deed recording date. If the county fund is short, the county must pay the balance within 12 months after the court order. The county treasurer holds these fee revenues in a surplus‑equity fund and invests them under the Public Funds Investment Act until needed.
New buyer fees in big counties
In counties with 3,000,000 or more people, buyers at tax sales pay a surplus‑equity fee. It equals 5% of taxes, interest, and penalties per certificate, capped at $1,000. Buyers also pay 5% of amounts paid under Section 21-240 and $80 for each year of later tax postings. These fees are part of the purchase and redemption price and go to the county surplus‑equity fund. County boards set how much to keep in that fund, and after all potential claims are covered, extra money can move to the county general fund. Boards may, by ordinance, deposit sums to the general fund if the county has a Tort Liability Fund.
New rules for tax deed auctions
At a tax deed auction, the conductor enters a credit bid for the petitioner equal to the minimum bid. The petitioner may still bid; if they win above the minimum, they must pay the difference and any fees in cash. The conductor gives sale receipts that show the property and payment status. If a buyer does not finish paying, the deposit is forfeited to the surplus‑equity fund and the court orders a new auction. After full payment, the selling officer issues a recordable, assignable certificate that is subject to court confirmation. If no one meets the minimum bid, the petitioner is the winning bidder and gets the tax deed, and the law presumes there is no surplus equity.
Bidding caps and recorded tax sales
Penalty bids are capped at 9% of the tax or assessment. If the county buys, the penalty is 0.75% per month. Since January 1, 2013, collectors must use certified automated bidding or record sales with audio and video, and they can eject bidders who disrupt or bid illegally. Sales must be held during set daytime hours.
New redemption timelines and interest pause
For tax certificates issued on or after January 1, 2024, the normal redemption period is 2.5 years from the sale date. Vacant non‑farm, 7+ unit residential, and commercial or industrial property have a 1‑year redemption period. In smaller counties, collectors generally must apply for judgment within 90 days after the second installment due date; Cook County follows a staggered schedule, then must apply within 365 days after the second installment due date. Interest does not accrue from September 2, 2025 to January 1, 2027 on delinquent Warrant Year 2023 balances.
One bidder per investor at tax sales
Counties with 275,000 or more people must enforce a single‑bidder rule. A tax purchaser cannot register more than one related bidding entity. The registration form includes a sworn statement. The county treasurer decides if entities are related. Smaller counties can adopt the rule by ordinance.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
Celina Villanueva
Affiliation unavailable
Curtis J. Tarver, II
Affiliation unavailable
Elgie R. Sims, Jr.
Affiliation unavailable
Emanuel "Chris" Welch
Affiliation unavailable
Roll Call Votes
House vote • 5/30/2026
Senate Floor Amendment No. 1 House Concurs
Yes: 80 • No: 35
House vote • 5/30/2026
Senate Floor Amendment No. 3 House Concurs
Yes: 80 • No: 35
House vote • 5/30/2026
Senate Floor Amendment No. 2 House Concurs
Yes: 80 • No: 35
House vote • 5/29/2026
Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Revenue & Finance Committee;
Yes: 13 • No: 7
House vote • 5/29/2026
Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Revenue & Finance Committee;
Yes: 13 • No: 7
House vote • 5/29/2026
Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Revenue & Finance Committee;
Yes: 13 • No: 7
Senate vote • 5/28/2026
Third Reading - Passed;
Yes: 56 • No: 1 • Other: 1
Senate vote • 5/27/2026
Senate Floor Amendment No. 2 Recommend Do Adopt Revenue;
Yes: 10 • No: 0
Senate vote • 5/13/2026
Senate Floor Amendment No. 1 Recommend Do Adopt Executive;
Yes: 9 • No: 4
House vote • 4/8/2026
Third Reading - Short Debate - Passed
Yes: 110 • No: 0
House vote • 3/24/2026
House Floor Amendment No. 2 Recommends Be Adopted Financial Institutions and Licensing Committee;
Yes: 12 • No: 0
House vote • 3/18/2026
Do Pass / Short Debate Financial Institutions and Licensing Committee;
Yes: 9 • No: 0
Actions Timeline
Public Act . . . . . . . . . 104-0553
7/10/2026HouseEffective Date July 10, 2026
7/10/2026HouseGovernor Approved
7/10/2026HouseSent to the Governor
6/26/2026HouseAdded as Alternate Chief Co-Sponsor Sen. Elgie R. Sims, Jr.
6/1/2026SenatePassed Both Houses
5/30/2026HouseHouse Concurs
5/30/2026HouseSenate Floor Amendment No. 3 House Concurs 080-035-000
5/30/2026HouseSenate Floor Amendment No. 2 House Concurs 080-035-000
5/30/2026HouseSenate Floor Amendment No. 1 House Concurs 080-035-000
5/30/2026HouseAdded Chief Co-Sponsor Rep. Emanuel "Chris" Welch
5/30/2026HouseSenate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000
5/29/2026HouseSenate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000
5/29/2026HouseSenate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000
5/29/2026HouseRemoved Co-Sponsor Rep. Edgar González, Jr.
5/29/2026HouseRemoved Co-Sponsor Rep. Dave Vella
5/29/2026HouseRemoved Co-Sponsor Rep. Justin Cochran
5/29/2026HouseRemoved Co-Sponsor Rep. Anthony DeLuca
5/29/2026HouseChief Sponsor Changed to Rep. Curtis J. Tarver, II
5/29/2026HouseSenate Floor Amendment No. 3 Motion to Concur Rules Referred to Revenue & Finance Committee
5/29/2026HouseSenate Floor Amendment No. 2 Motion to Concur Rules Referred to Revenue & Finance Committee
5/29/2026HouseSenate Floor Amendment No. 1 Motion to Concur Rules Referred to Revenue & Finance Committee
5/29/2026HouseSenate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee
5/29/2026HouseSenate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee
5/29/2026HouseSenate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee
5/29/2026House
Bill Text
Engrossed
Enrolled
House Amendment 1
House Amendment 2
Introduced
Senate Amendment 1
Senate Amendment 2
Senate Amendment 3
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