IllinoisSB0315104th General Assembly (2025–2026)SenateWALLET

BUSINESS-TECH

Sponsored By: Mary Edly-Allen

Became Law

Summary

Amends the Predatory Loan Prevention Act. Makes technical changes in a Section concerning the short title.

assignmentsexecutive

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Bill Overview

Analyzed Economic Effects

9 provisions identified: 3 benefits, 2 costs, 4 mixed.

Use federal rules to show compliance

Beginning January 1, 2027, the Agency lets developers declare they will follow certain federal standards it deems equal to or stricter than state rules. If a developer meets those federal standards, it is treated as meeting the state law to that extent. Failing those federal standards can count as a violation of this Act.

Annual filings and fees for big AI

From January 1, 2027, large frontier developers must file a disclosure and pay a nonrefundable fee to develop, deploy, or operate frontier models in Illinois. They must renew annually, and also file on ownership transfer or a material change. Filings must name the developer, Illinois offices, some beneficial owners, and contacts. The Agency may charge pro rata administrative fees and will publish a list of filers (without contact details).

Million-dollar fines for violations

Beginning January 1, 2027, the Attorney General can sue developers that break this law. The civil penalty can be up to $1,000,000 for a first violation and up to $3,000,000 for later violations. Money goes to the Attorney General’s compliance fund. There is no private right of action.

Rapid reporting of critical AI incidents

Starting January 1, 2027, frontier developers must report critical safety incidents within 72 hours after they reasonably believe one occurred. If there is an imminent risk of death or serious injury, they must report within 24 hours to an appropriate authority. Developers can amend reports. The Agency also sets up a public way to report incidents and collects the date, why it is critical, a short plain‑language description, and whether internal use was involved.

Safety frameworks and audits for big AI

Beginning January 1, 2028, large frontier developers must publish and follow a safety framework, review it each year, and post material changes with a public justification within 30 days. Before releasing a new or majorly changed frontier model, they must post a transparency report; large developers must add machine‑readable summaries of catastrophic‑risk assessments. They must hire an independent auditor every year, keep the unredacted report while models are deployed plus five years, post a high‑level summary, and send a redacted copy to the state within 30 days. They must send the Agency summaries of internal catastrophic‑risk checks at least every three months, or on an agreed schedule. The law bans materially false risk claims, and allows public redactions for security or trade secrets with an explanation, while keeping unredacted records for five years.

Stronger whistleblower rights for AI workers

Beginning January 1, 2027, covered employees are protected when they report serious AI safety risks or violations. Employers cannot retaliate or use contracts to block good‑faith disclosures. Large developers must post or deliver annual notices of these rights and keep an anonymous reporting channel. They must give monthly updates to the reporter and brief company leaders quarterly, unless the report names those leaders.

Yearly public report on AI safety

Beginning January 1, 2029, the Agency publishes an anonymized, aggregated annual report on critical AI safety incidents. It can recommend law updates and share other safety findings. The report must exclude trade secrets and information that would harm cybersecurity, public safety, or national security.

Statewide rules override local AI laws

Beginning January 1, 2027, Illinois sets one statewide system for frontier AI rules. Local governments cannot impose their own rules where the state has acted. This creates uniform standards but reduces local control.

Some AI safety records stay secret

Starting January 1, 2027, certain AI safety records are exempt from public records requests. These include critical incident reports, internal-use catastrophic risk assessments, unredacted audit reports and work papers, and covered employee reports. This protects trade secrets and security but limits public access.

Sponsors & Cosponsors

Sponsor

  • Mary Edly-Allen

    Affiliation unavailable

Cosponsors

  • Abdelnasser Rashid

    Affiliation unavailable

  • Adriane Johnson

    Affiliation unavailable

  • Angelica Guerrero-Cuellar

    Affiliation unavailable

  • Ann M. Williams

    Affiliation unavailable

  • Anna Moeller

    Affiliation unavailable

  • Anne Stava

    Affiliation unavailable

  • Barbara Hernandez

    Affiliation unavailable

  • Bill Cunningham

    Affiliation unavailable

  • Bob Morgan

    Affiliation unavailable

  • Camille Y. Lilly

    Affiliation unavailable

  • Carol Ammons

    Affiliation unavailable

  • Celina Villanueva

    Affiliation unavailable

  • Chris Balkema

    Affiliation unavailable

  • Cristina Castro

    Affiliation unavailable

  • Dagmara Avelar

    Affiliation unavailable

  • Daniel Didech

    Affiliation unavailable

  • Darby A. Hills

    Affiliation unavailable

  • Dave Vella

    Affiliation unavailable

  • David Koehler

    Affiliation unavailable

  • Debbie Meyers-Martin

    Affiliation unavailable

  • Diane Blair-Sherlock

    Affiliation unavailable

  • Donald P. DeWitte

    Affiliation unavailable

  • Edgar González, Jr.

    Affiliation unavailable

  • Elgie R. Sims, Jr.

    Affiliation unavailable

  • Emanuel "Chris" Welch

    Affiliation unavailable

  • Erica Harriss

    Affiliation unavailable

  • Graciela Guzmán

    Affiliation unavailable

  • Gregg Johnson

    Affiliation unavailable

  • Hoan Huynh

    Affiliation unavailable

  • Janet Yang Rohr

    Affiliation unavailable

  • Javier L. Cervantes

    Affiliation unavailable

  • Jawaharial Williams

    Affiliation unavailable

  • Jay Hoffman

    Affiliation unavailable

  • Jeff Keicher

    Affiliation unavailable

  • Jehan Gordon-Booth

    Affiliation unavailable

  • Jennifer Gong-Gershowitz

    Affiliation unavailable

  • John F. Curran

    Affiliation unavailable

  • Joyce Mason

    Affiliation unavailable

  • Justin Cochran

    Affiliation unavailable

  • Karina Villa

    Affiliation unavailable

  • Katie Stuart

    Affiliation unavailable

  • Kevin John Olickal

    Affiliation unavailable

  • Kimberly Du Buclet

    Affiliation unavailable

  • La Shawn K. Ford

    Affiliation unavailable

  • Lakesia Collins

    Affiliation unavailable

  • Laura Ellman

    Affiliation unavailable

  • Laura Faver Dias

    Affiliation unavailable

  • Laura Fine

    Affiliation unavailable

  • Li Arellano, Jr.

    Affiliation unavailable

  • Lilian Jiménez

    Affiliation unavailable

  • Lisa Davis

    Affiliation unavailable

  • Marcus C. Evans, Jr.

    Affiliation unavailable

  • Margaret A. DeLaRosa

    Affiliation unavailable

  • Margaret Croke

    Affiliation unavailable

  • Mark L. Walker

    Affiliation unavailable

  • Martha Deuter

    Affiliation unavailable

  • Mary Beth Canty

    Affiliation unavailable

  • Mary Gill

    Affiliation unavailable

  • Matt Hanson

    Affiliation unavailable

  • Mattie Hunter

    Affiliation unavailable

  • Maura Hirschauer

    Affiliation unavailable

  • Maurice A. West, II

    Affiliation unavailable

  • Meg Loughran Cappel

    Affiliation unavailable

  • Michael Crawford

    Affiliation unavailable

  • Michelle Mussman

    Affiliation unavailable

  • Mike Porfirio

    Affiliation unavailable

  • Mike Simmons

    Affiliation unavailable

  • Nabeela Syed

    Affiliation unavailable

  • Natalie A. Manley

    Affiliation unavailable

  • Nicolle Grasse

    Affiliation unavailable

  • Norine K. Hammond

    Affiliation unavailable

  • Norma Hernandez

    Affiliation unavailable

  • Paul Faraci

    Affiliation unavailable

  • Rachel Ventura

    Affiliation unavailable

  • Ram Villivalam

    Affiliation unavailable

  • Rick Ryan

    Affiliation unavailable

  • Rita Mayfield

    Affiliation unavailable

  • Robyn Gabel

    Affiliation unavailable

  • Sally J. Turner

    Affiliation unavailable

  • Sara Feigenholtz

    Affiliation unavailable

  • Sharon Chung

    Affiliation unavailable

  • Stephanie A. Kifowit

    Affiliation unavailable

  • Steve Stadelman

    Affiliation unavailable

  • Sue Rezin

    Affiliation unavailable

  • Suzanne M. Ness

    Affiliation unavailable

  • Suzy Glowiak Hilton

    Affiliation unavailable

  • Theresa Mah

    Affiliation unavailable

  • Tony M. McCombie

    Affiliation unavailable

  • Tracy Katz Muhl

    Affiliation unavailable

  • Yolonda Morris

    Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 277 • No: 34

House vote 5/27/2026

Third Reading - Short Debate - Passed

Yes: 110 • No: 0

House vote 5/26/2026

Do Pass / Short Debate Executive Committee;

Yes: 12 • No: 0

House vote 5/25/2026

Suspend Rule 21 - Prevailed

Yes: 66 • No: 29

Senate vote 5/21/2026

Third Reading - Passed;

Yes: 52 • No: 5

Senate vote 5/20/2026

Senate Floor Amendment No. 2 Recommend Do Adopt Executive;

Yes: 13 • No: 0

Senate vote 5/13/2026

Senate Floor Amendment No. 1 Recommend Do Adopt Executive;

Yes: 13 • No: 0

Senate vote 3/19/2025

Do Pass Executive;

Yes: 11 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0538

    7/6/2026Senate
  2. Effective Date January 1, 2027

    7/6/2026Senate
  3. Governor Approved

    7/6/2026Senate
  4. Sent to the Governor

    6/26/2026Senate
  5. Added as Co-Sponsor Sen. Cristina Castro

    5/30/2026Senate
  6. Added as Co-Sponsor Sen. Erica Harriss

    5/30/2026Senate
  7. Added as Co-Sponsor Sen. Bill Cunningham

    5/29/2026Senate
  8. Added as Chief Co-Sponsor Sen. Karina Villa

    5/29/2026Senate
  9. Added as Chief Co-Sponsor Sen. Darby A. Hills

    5/29/2026Senate
  10. Added as Co-Sponsor Sen. John F. Curran

    5/29/2026Senate
  11. Added as Chief Co-Sponsor Sen. Rachel Ventura

    5/29/2026Senate
  12. Added as Co-Sponsor Sen. Sally J. Turner

    5/29/2026Senate
  13. Added as Co-Sponsor Sen. Li Arellano, Jr.

    5/29/2026Senate
  14. Added as Co-Sponsor Sen. Donald P. DeWitte

    5/29/2026Senate
  15. Passed Both Houses

    5/29/2026Senate
  16. Motion to Reconsider Vote - Withdrawn Rep. Daniel Didech

    5/29/2026House
  17. Added as Co-Sponsor Sen. Bill Cunningham

    5/29/2026Senate
  18. Added as Co-Sponsor Sen. Paul Faraci

    5/28/2026Senate
  19. Added as Co-Sponsor Sen. Rachel Ventura

    5/28/2026Senate
  20. Added as Co-Sponsor Sen. Laura Ellman

    5/28/2026Senate
  21. Added as Co-Sponsor Sen. Darby A. Hills

    5/28/2026Senate
  22. Added as Co-Sponsor Sen. Celina Villanueva

    5/28/2026Senate
  23. Added as Co-Sponsor Sen. Sara Feigenholtz

    5/28/2026Senate
  24. Added as Co-Sponsor Sen. Graciela Guzmán

    5/28/2026Senate
  25. Added as Co-Sponsor Sen. Chris Balkema

    5/28/2026Senate

Bill Text

  • Engrossed

  • Enrolled

  • Introduced

  • Senate Amendment 1

  • Senate Amendment 2

  • Senate Amendment 3

  • Senate Amendment 4

Related Bills

Back to State Legislation