# Illinois SB2951: MORTGAGE FORECLOSURE TIME Illinois SB2951, MORTGAGE FORECLOSURE TIME, is a 104th General Assembly (2025–2026) Senate bill sponsored by Robert F. Martwick (Democratic); status signed, last action 2026-08-21 (Public Act . . . . . . . . . 104-0842) (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-SB2951-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois SB2951 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: MORTGAGE FORECLOSURE TIME - Status: signed - Chamber: Senate - Introduced: 2026-02-03 - Last action: 2026-08-21, Public Act . . . . . . . . . 104-0842 - Sponsor: Robert F. Martwick (Democratic) - Cosponsors: 4 - Subjects: assignments, judiciary, judiciary - civil - Touches household money: no - Roll calls: 6 (257 yes, 0 no in all) - Economic provisions PRIA read: 0 ## 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. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Sponsor: Robert F. Martwick (Democratic), Senate - Cosponsor: Andrew S. Chesney (Republican), Senate - Cosponsor: Chris Balkema (Republican), Senate - Cosponsor: Daniel Didech (Democratic), House - Cosponsor: Jason Plummer (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-31 | Senate | House Committee Amendment No. 1 Senate Concurs | pass | 58 | 0 | | | 2026-05-29 | Senate | House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; | pass | 6 | 0 | | | 2026-05-21 | House | Third Reading - Short Debate - Passed | pass | 108 | 0 | | | 2026-05-13 | House | Do Pass as Amended / Short Debate Judiciary - Civil Committee; | pass | 20 | 0 | | | 2026-04-16 | Senate | Third Reading - Passed; | pass | 56 | 0 | | | 2026-03-11 | Senate | Do Pass Judiciary; | pass | 9 | 0 | | ## Actions (43) - 2026-08-21: Public Act . . . . . . . . . 104-0842 (Senate) - 2026-08-21: Effective Date August 21, 2026 (Senate) - 2026-08-21: Governor Approved (Senate) - 2026-06-29: Sent to the Governor (Senate) - 2026-05-31: Added as Co-Sponsor Sen. Chris Balkema (Senate) - 2026-05-31: Passed Both Houses (Senate) - 2026-05-31: Senate Concurs (Senate) - 2026-05-31: House Committee Amendment No. 1 Senate Concurs 058-000-000 (Senate) - 2026-05-29: House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000 (Senate) - 2026-05-28: House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary (Senate) - 2026-05-28: House Committee Amendment No. 1 Motion to Concur Referred to Assignments (Senate) - 2026-05-28: House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. Martwick (Senate) - 2026-05-22: Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026 (Senate) - 2026-05-22: Secretary's Desk - Concurrence House Amendment(s) 1 (Senate) - 2026-05-21: Third Reading - Short Debate - Passed 108-000-000 (House) - 2026-05-20: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2026-05-19: Held on Calendar Order of Second Reading - Short Debate (House) - 2026-05-19: Second Reading - Short Debate (House) - 2026-05-13: Placed on Calendar 2nd Reading - Short Debate (House) - 2026-05-13: Do Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000 (House) - 2026-05-13: House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote (House) - 2026-05-12: House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee (House) - 2026-05-08: House Committee Amendment No. 1 Referred to Rules Committee (House) - 2026-05-08: House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech (House) - 2026-05-07: Committee Deadline Extended-Rule 9(b) May 15, 2026 (House) - 2026-04-27: Assigned to Judiciary - Civil Committee (House) - 2026-04-17: Referred to Rules Committee (House) - 2026-04-17: First Reading (House) - 2026-04-17: Chief House Sponsor Rep. Daniel Didech (House) - 2026-04-17: Arrived in House (House) - 2026-04-16: Added as Chief Co-Sponsor Sen. Jason Plummer (Senate) - 2026-04-16: Third Reading - Passed; 056-000-000 (Senate) - 2026-04-15: Added as Co-Sponsor Sen. Andrew S. Chesney (Senate) - 2026-03-12: Placed on Calendar Order of 3rd Reading March 24, 2026 (Senate) - 2026-03-12: Second Reading (Senate) - 2026-03-11: Placed on Calendar Order of 2nd Reading March 12, 2026 (Senate) - 2026-03-11: Do Pass Judiciary; 009-000-000 (Senate) - 2026-02-25: Postponed - Judiciary (Senate) - 2026-02-18: Postponed - Judiciary (Senate) - 2026-02-03: Assigned to Judiciary (Senate) - 2026-02-03: Referred to Assignments (Senate) - 2026-02-03: First Reading (Senate) - 2026-02-03: Filed with Secretary by Sen. Robert F. Martwick (Senate) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951.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/SB/PDF/10400SB2951eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2951.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-SB2951-2025-2026 (as of 2026-11-01).