# Illinois HB4537: LOC GOV-CREDIT CARD AGREEMENTS Illinois HB4537, LOC GOV-CREDIT CARD AGREEMENTS, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2026-07-10 (Public Act . . . . . . . . . 104-0553); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB4537-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB4537 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: LOC GOV-CREDIT CARD AGREEMENTS - Status: signed - Chamber: House - Introduced: 2026-01-22 - Last action: 2026-07-10, Public Act . . . . . . . . . 104-0553 - Sponsors: no sponsor on record - Cosponsors: 4 - Subjects: financial institutions and licensing, assignments, revenue & finance - Touches household money: yes - Roll calls: 12 (485 yes, 131 no in all) - Economic provisions PRIA read: 7 ## 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. ## Bill overview: provisions PRIA read - More time and notice for homeowners: benefit, high. For tax certificates issued on or after the law’s effective date, most owners have 3 years to redeem a property, up from 2.5 years. Vacant non-farm properties, buildings with 7 or more homes, and commercial or industrial properties keep a 1-year period. Notices explain the risk of losing the proper… - More protection in distressed home sales: benefit, medium. The law covers more buyers who solicit owners of distressed homes, including buyers who do not let the owner stay or offer a future ownership interest. Contracts must warn owners that they may have a right to money for lost equity when unpaid property taxes put the home at risk. They must also expl… - Corrections for mistaken tax sales: benefit, low. The law adds ways to correct certain tax sales that were made in error. A court must declare some older certificates to be in error when the certificate holder applies and the certificate meets the stated conditions. County collectors can also correct certain mobile-home sales, including cases invo… - County power over delinquent properties: mixed, high. Counties acting for taxing districts can acquire, manage, and sell tax-delinquent property, and assign tax certificates. A county can seek a tax deed without a judicial auction, but must offer the property at a public auction within 120 days after recording the deed; under that process, the former… - Payments for lost property equity: mixed, high. A former owner who suffered a loss because a tax deed was issued can seek an award from the county surplus equity fund. The award is limited by the property’s fair cash value when the deed was issued, less certain debts, taxes, auction proceeds, and other recoveries. The county must pay an unpaid p… - Tax deed auctions and surplus claims: mixed, medium. Tax deed auction notices give owners auction details and time to prepare; large counties must include legal-rights information in Spanish, Polish, and Mandarin Chinese. Bidding starts at the judgment amount plus applicable interest and auction costs, and the property must be offered within 120 days… - Tax deed buyers face added costs: mixed, medium. Tax deed judgments accrue interest at 0.75% per month or part of a month until auction; after 120 days, interest continues only when legal action by the owner or another interested party caused the delay. Tax-sale buyers and certificate holders pay fees, including a $500 or $1,000 deed-issuance fee… ## Sponsors and cosponsors - Cosponsor: Celina Villanueva (Democratic), Senate - Cosponsor: Curtis J. Tarver, II (Democratic), House - Cosponsor: Elgie R. Sims, Jr. (Democratic), Senate - Cosponsor: Emanuel "Chris" Welch (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-30 | House | Senate Floor Amendment No. 3 House Concurs | pass | 80 | 35 | | | 2026-05-30 | House | Senate Floor Amendment No. 1 House Concurs | pass | 80 | 35 | | | 2026-05-30 | House | Senate Floor Amendment No. 2 House Concurs | pass | 80 | 35 | | | 2026-05-29 | House | Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; | pass | 13 | 7 | | | 2026-05-29 | House | Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; | pass | 13 | 7 | | | 2026-05-29 | House | Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; | pass | 13 | 7 | | | 2026-05-28 | Senate | Third Reading - Passed; | pass | 56 | 1 | 1 | | 2026-05-27 | Senate | Senate Floor Amendment No. 2 Recommend Do Adopt Revenue; | pass | 10 | 0 | | | 2026-05-13 | Senate | Senate Floor Amendment No. 1 Recommend Do Adopt Executive; | pass | 9 | 4 | | | 2026-04-08 | House | Third Reading - Short Debate - Passed | pass | 110 | 0 | | | 2026-03-24 | House | House Floor Amendment No. 2 Recommends Be Adopted Financial Institutions and Licensing Committee; | pass | 12 | 0 | | | 2026-03-18 | House | Do Pass / Short Debate Financial Institutions and Licensing Committee; | pass | 9 | 0 | | ## Actions (85) - 2026-07-10: Public Act . . . . . . . . . 104-0553 (House) - 2026-07-10: Effective Date July 10, 2026 (House) - 2026-07-10: Governor Approved (House) - 2026-06-26: Sent to the Governor (House) - 2026-06-01: Added as Alternate Chief Co-Sponsor Sen. Elgie R. Sims, Jr. (Senate) - 2026-05-30: Passed Both Houses (House) - 2026-05-30: House Concurs (House) - 2026-05-30: Senate Floor Amendment No. 3 House Concurs 080-035-000 (House) - 2026-05-30: Senate Floor Amendment No. 2 House Concurs 080-035-000 (House) - 2026-05-30: Senate Floor Amendment No. 1 House Concurs 080-035-000 (House) - 2026-05-30: Added Chief Co-Sponsor Rep. Emanuel "Chris" Welch (House) - 2026-05-29: Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000 (House) - 2026-05-29: Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000 (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Revenue & Finance Committee; 013-007-000 (House) - 2026-05-29: Removed Co-Sponsor Rep. Edgar González, Jr. (House) - 2026-05-29: Removed Co-Sponsor Rep. Dave Vella (House) - 2026-05-29: Removed Co-Sponsor Rep. Justin Cochran (House) - 2026-05-29: Removed Co-Sponsor Rep. Anthony DeLuca (House) - 2026-05-29: Chief Sponsor Changed to Rep. Curtis J. Tarver, II (House) - 2026-05-29: Senate Floor Amendment No. 3 Motion to Concur Rules Referred to Revenue & Finance Committee (House) - 2026-05-29: Senate Floor Amendment No. 2 Motion to Concur Rules Referred to Revenue & Finance Committee (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion to Concur Rules Referred to Revenue & Finance Committee (House) - 2026-05-29: Senate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee (House) - 2026-05-29: Senate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee (House) - 2026-05-29: Senate Floor Amendment No. 3 Motion Filed Concur Rep. Barbara Hernandez (House) - 2026-05-29: Senate Floor Amendment No. 2 Motion Filed Concur Rep. Barbara Hernandez (House) - 2026-05-29: Senate Floor Amendment No. 1 Motion Filed Concur Rep. Barbara Hernandez (House) - 2026-05-28: Alternate Chief Sponsor Changed to Sen. Celina Villanueva (Senate) - 2026-05-28: Placed on Calendar Order of Concurrence Senate Amendment(s) 1, 2, 3 (House) - 2026-05-28: Arrived in House (House) - 2026-05-28: Third Reading - Passed; 056-001-001 (Senate) - 2026-05-28: Placed on Calendar Order of 3rd Reading (Senate) - 2026-05-28: Senate Floor Amendment No. 3 Adopted; Villanueva (Senate) - 2026-05-28: Senate Floor Amendment No. 2 Adopted; Villanueva (Senate) - 2026-05-28: Recalled to Second Reading (Senate) - 2026-05-28: Senate Floor Amendment No. 3 Be Approved for Consideration Assignments (Senate) - 2026-05-27: Senate Floor Amendment No. 2 Recommend Do Adopt Revenue; 010-000-000 (Senate) - 2026-05-27: Senate Floor Amendment No. 3 Referred to Assignments (Senate) - 2026-05-27: Senate Floor Amendment No. 3 Filed with Secretary by Sen. Celina Villanueva (Senate) - 2026-05-26: Senate Floor Amendment No. 2 Assignments Refers to Revenue (Senate) - 2026-05-26: Senate Floor Amendment No. 2 Referred to Assignments (Senate) - 2026-05-26: Senate Floor Amendment No. 2 Filed with Secretary by Sen. Celina Villanueva (Senate) - 2026-05-22: Rule 2-10 Third Reading Deadline Established As May 31, 2026 (Senate) - 2026-05-20: Removed Co-Sponsor Rep. Kyle Moore (House) - 2026-05-20: Removed Co-Sponsor Rep. Brad Stephens (House) - 2026-05-18: Placed on Calendar Order of 3rd Reading May 19, 2026 (Senate) - 2026-05-18: Senate Floor Amendment No. 1 Adopted; Harmon (Senate) - 2026-05-18: Second Reading (Senate) - 2026-05-13: Senate Floor Amendment No. 1 Recommend Do Adopt Executive; 009-004-000 (Senate) - 2026-05-13: Senate Floor Amendment No. 1 Assignments Refers to Executive (Senate) - 2026-05-13: Senate Floor Amendment No. 1 Referred to Assignments (Senate) - 2026-05-13: Senate Floor Amendment No. 1 Filed with Secretary by Sen. Don Harmon (Senate) - 2026-05-13: Placed on Calendar Order of 2nd Reading May 14, 2026 (Senate) - 2026-05-13: Approved for Consideration Assignments (Senate) - 2026-05-12: Alternate Chief Sponsor Changed to Sen. Don Harmon (Senate) - 2026-04-10: Referred to Assignments (Senate) - 2026-04-10: First Reading (Senate) - 2026-04-10: Chief Senate Sponsor Sen. Meg Loughran Cappel (Senate) - 2026-04-10: Placed on Calendar Order of First Reading (Senate) - 2026-04-10: Arrive in Senate (Senate) - 2026-04-08: Third Reading - Short Debate - Passed 110-000-000 (House) - 2026-04-07: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2026-04-07: Second Reading - Short Debate (House) - 2026-04-07: House Floor Amendment No. 2 Adopted (House) - 2026-03-26: Added Co-Sponsor Rep. Edgar González, Jr. (House) - 2026-03-26: Added Co-Sponsor Rep. Kyle Moore (House) - 2026-03-26: Added Co-Sponsor Rep. Brad Stephens (House) - 2026-03-26: Added Co-Sponsor Rep. Dave Vella (House) - 2026-03-26: Added Co-Sponsor Rep. Justin Cochran (House) - 2026-03-26: Added Co-Sponsor Rep. Anthony DeLuca (House) - 2026-03-24: House Floor Amendment No. 2 Recommends Be Adopted Financial Institutions and Licensing Committee; 012-000-000 (House) - 2026-03-24: House Floor Amendment No. 2 Rules Refers to Financial Institutions and Licensing Committee (House) - 2026-03-23: House Floor Amendment No. 2 Referred to Rules Committee (House) - 2026-03-23: House Floor Amendment No. 2 Filed with Clerk by Rep. Barbara Hernandez (House) - 2026-03-19: Placed on Calendar 2nd Reading - Short Debate (House) - 2026-03-18: House Committee Amendment No. 1 Tabled (House) - 2026-03-18: Do Pass / Short Debate Financial Institutions and Licensing Committee; 009-000-000 (House) - 2026-03-18: House Committee Amendment No. 1 Rules Refers to Financial Institutions and Licensing Committee (House) - 2026-02-25: House Committee Amendment No. 1 Referred to Rules Committee (House) - 2026-02-25: House Committee Amendment No. 1 Filed with Clerk by Rep. Barbara Hernandez (House) - 2026-02-11: Assigned to Financial Institutions and Licensing Committee (House) - 2026-01-30: Referred to Rules Committee (House) - 2026-01-30: First Reading (House) - 2026-01-22: Filed with the Clerk by Rep. Barbara Hernandez (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537ham001.pdf) - House Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537ham002.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam001.pdf) - Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam002.pdf) - Senate Amendment 3: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam003.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/10400HB4537eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537ham001.pdf) - [House Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537ham002.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam001.pdf) - [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam002.pdf) - [Senate Amendment 3 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB4537sam003.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-HB4537-2025-2026 (as of 2026-11-01).