IllinoisSB2951104th General Assembly (2025–2026)Senate

MORTGAGE FORECLOSURE TIME

Sponsored By: Robert F. Martwick (Democratic)

Signed by Governor

Summary

Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured creditors' approval to accept partial satisfaction; and if the secured creditors cannot be satisfied in full, a sale of the property is not considered necessary for the proper administration of the estate. Effective immediately.

assignmentsjudiciaryjudiciary - civil

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & Cosponsors

Sponsor

  • Robert F. Martwick

    Democratic • Senate

Cosponsors

  • Andrew S. Chesney

    Republican • Senate

  • Chris Balkema

    Republican • Senate

  • Daniel Didech

    Democratic • House

  • Jason Plummer

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 257 • No: 0

Senate vote • 5/31/2026

House Committee Amendment No. 1 Senate Concurs

Yes: 58 • No: 0

Senate vote • 5/29/2026

House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary;

Yes: 6 • No: 0

House vote • 5/21/2026

Third Reading - Short Debate - Passed

Yes: 108 • No: 0

House vote • 5/13/2026

Do Pass as Amended / Short Debate Judiciary - Civil Committee;

Yes: 20 • No: 0

Senate vote • 4/16/2026

Third Reading - Passed;

Yes: 56 • No: 0

Senate vote • 3/11/2026

Do Pass Judiciary;

Yes: 9 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0842

    8/21/2026Senate
  2. Effective Date August 21, 2026

    8/21/2026Senate
  3. Governor Approved

    8/21/2026Senate
  4. Sent to the Governor

    6/29/2026Senate
  5. Added as Co-Sponsor Sen. Chris Balkema

    5/31/2026Senate
  6. Passed Both Houses

    5/31/2026Senate
  7. Senate Concurs

    5/31/2026Senate
  8. House Committee Amendment No. 1 Senate Concurs 058-000-000

    5/31/2026Senate
  9. House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000

    5/29/2026Senate
  10. House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary

    5/28/2026Senate
  11. House Committee Amendment No. 1 Motion to Concur Referred to Assignments

    5/28/2026Senate
  12. House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. Martwick

    5/28/2026Senate
  13. Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026

    5/22/2026Senate
  14. Secretary's Desk - Concurrence House Amendment(s) 1

    5/22/2026Senate
  15. Third Reading - Short Debate - Passed 108-000-000

    5/21/2026House
  16. Placed on Calendar Order of 3rd Reading - Short Debate

    5/20/2026House
  17. Held on Calendar Order of Second Reading - Short Debate

    5/19/2026House
  18. Second Reading - Short Debate

    5/19/2026House
  19. Placed on Calendar 2nd Reading - Short Debate

    5/13/2026House
  20. Do Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000

    5/13/2026House
  21. House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote

    5/13/2026House
  22. House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee

    5/12/2026House
  23. House Committee Amendment No. 1 Referred to Rules Committee

    5/8/2026House
  24. House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech

    5/8/2026House
  25. Committee Deadline Extended-Rule 9(b) May 15, 2026

    5/7/2026House

Bill Text

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