--- type: "Bill" title: "CREDIT FREEZE-NO FEE ALLOWED" description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a consumer reporting agency may not impose a charge on a consumer for placing a freeze, removing a freeze, or temporarily lifting a freeze. Makes corresponding changes. Effective immediately." jurisdiction: "us/states/il" legislature: "Illinois General Assembly" session: "100th" identifier: "HB 4095" citation: "Illinois HB 4095 (100th)" classification: ["bill"] subjects: [] status: "enacted" primary_sponsors: [] version_count: 3 action_count: 117 vote_count: 2 first_action: "2017-09-12" last_action: "2018-06-08" source: "openstates" source_identifier: "ocd-bill/e1184c17-455c-438d-a3f3-f98f0fed956c" source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=4095&GAID=14&DocTypeID=HB&LegId=107863&SessionID=91&GA=100" source_hash: "73ea66c19b9afdd30b48c000ebc7970c2c17d9552fe16628917be07b7fe174b7" vintage: "2026-07-01" source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump" retrieved_at: "2026-07-06" confidence: "reported" tags: ["legislation", "bill", "us-il"] --- # Illinois HB 4095 (100th) — CREDIT FREEZE-NO FEE ALLOWED Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a consumer reporting agency may not impose a charge on a consumer for placing a freeze, removing a freeze, or temporarily lifting a freeze. Makes corresponding changes. Effective immediately. ## Version chain The bill's text revisions, in order — the diff chain from filing to enrollment. 1. **Introduced** (filed) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4095&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true) 2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4095eng&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true) 3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4095enr&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true) ## Votes - Third Reading — **109–0** (pass) · lower - Third Reading — **56–0** (pass) · upper ## Sponsors - Andy Manar — cosponsor (person) - Chapin Rose — cosponsor (person) - Cristina Castro — cosponsor (person) - Dale Fowler — cosponsor (person) - Dan McConchie — cosponsor (person) - David Koehler — cosponsor (person) - Elgie R. Sims, Jr. — cosponsor (person) - Gregory Harris — primary (person) - Ira I. Silverstein — cosponsor (person) - Iris Y. Martinez — cosponsor (person) - Jennifer Bertino-Tarrant — cosponsor (person) - Kimberly A. Lightford — cosponsor (person) - Laura M. Murphy — cosponsor (person) - Linda Holmes — cosponsor (person) - Mattie Hunter — cosponsor (person) - Michael Connelly — cosponsor (person) - Neil Anderson — cosponsor (person) - Omar Aquino — cosponsor (person) - Pamela J. Althoff — cosponsor (person) - Paul Schimpf — cosponsor (person) - Scott M. Bennett — cosponsor (person) - Steve Stadelman — cosponsor (person) - Steven M. Landek — cosponsor (person) - Thomas Cullerton — cosponsor (person) - William R. Haine — cosponsor (person) - Wm. Sam McCann — cosponsor (person) ## Timeline The legislative action history — every referral, reading, and vote. - **2017-09-12** Filed with the Clerk by Rep. Gregory Harris `filing` - **2017-09-13** Added Chief Co-Sponsor Rep. Natalie A. Manley - **2017-09-13** Added Chief Co-Sponsor Rep. Litesa E. Wallace - **2017-09-14** Added Co-Sponsor Rep. Michelle Mussman - **2017-09-14** Added Co-Sponsor Rep. Barbara Flynn Currie - **2017-09-14** Added Co-Sponsor Rep. Sonya M. Harper - **2017-09-14** Added Co-Sponsor Rep. Daniel J. Burke - **2017-09-14** Added Co-Sponsor Rep. Sue Scherer - **2017-09-14** Added Co-Sponsor Rep. Camille Y. Lilly - **2017-09-14** Added Co-Sponsor Rep. Sara Feigenholtz - **2017-09-14** Added Co-Sponsor Rep. Katie Stuart - **2017-09-14** Added Co-Sponsor Rep. John Connor - **2017-09-14** Added Co-Sponsor Rep. Sam Yingling - **2017-09-14** Added Co-Sponsor Rep. Deb Conroy - **2017-09-14** Added Co-Sponsor Rep. Linda Chapa LaVia - **2017-09-14** Added Co-Sponsor Rep. Jaime M. Andrade, Jr. - **2017-09-14** Added Co-Sponsor Rep. Jay Hoffman - **2017-09-14** Added Co-Sponsor Rep. Emanuel Chris Welch - **2017-09-15** Added Co-Sponsor Rep. Silvana Tabares - **2017-09-15** Added Co-Sponsor Rep. Kelly M. Burke - **2017-09-15** Added Co-Sponsor Rep. Lawrence Walsh, Jr. - **2017-09-15** Added Co-Sponsor Rep. Stephanie A. Kifowit - **2017-09-15** Added Co-Sponsor Rep. Melissa Conyears-Ervin - **2017-09-15** Added Chief Co-Sponsor Rep. Will Guzzardi - **2017-09-18** Added Co-Sponsor Rep. Kathleen Willis - **2017-09-18** Added Co-Sponsor Rep. Margo McDermed - **2017-09-18** Added Co-Sponsor Rep. Mary E. Flowers - **2017-09-19** Added Co-Sponsor Rep. Anna Moeller - **2017-09-19** Added Co-Sponsor Rep. Michael Halpin - **2017-09-19** Added Co-Sponsor Rep. Elizabeth Hernandez - **2017-09-19** Added Co-Sponsor Rep. Fred Crespo - **2017-09-20** Added Co-Sponsor Rep. John C. D'Amico - **2017-09-21** Added Co-Sponsor Rep. Frances Ann Hurley - **2017-09-21** Added Chief Co-Sponsor Rep. Elizabeth Hernandez - **2017-09-21** Removed Co-Sponsor Rep. Elizabeth Hernandez - **2017-09-21** Added Co-Sponsor Rep. Daniel V. Beiser - **2017-09-28** Added Co-Sponsor Rep. Barbara Wheeler - **2017-10-03** Added Co-Sponsor Rep. Ann M. Williams - **2017-10-06** Added Co-Sponsor Rep. Juliana Stratton - **2017-10-06** Removed Co-Sponsor Rep. Juliana Stratton - **2017-10-10** Remove Chief Co-Sponsor Rep. Elizabeth Hernandez - **2017-10-10** Added Co-Sponsor Rep. Elizabeth Hernandez - **2017-10-10** Added Chief Co-Sponsor Rep. Juliana Stratton - **2017-10-12** First Reading `reading-1` - **2017-10-12** Referred to Rules Committee `referral-committee` - **2017-10-12** Added Co-Sponsor Rep. Jonathan Carroll - **2017-10-16** Added Co-Sponsor Rep. Robyn Gabel - **2017-10-17** Assigned to Judiciary - Civil Committee `referral-committee` - **2017-10-20** Added Co-Sponsor Rep. La Shawn K. Ford - **2017-10-20** Added Co-Sponsor Rep. Laura Fine - **2017-10-20** Added Co-Sponsor Rep. Rita Mayfield - **2017-10-24** House Committee Amendment No. 1 Filed with Clerk by Rep. Gregory Harris `amendment-introduction` - **2017-10-24** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee` - **2017-10-24** Added Co-Sponsor Rep. Marcus C. Evans, Jr. - **2017-10-24** Added Co-Sponsor Rep. Robert Rita - **2017-10-24** House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee - **2017-10-25** House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote `amendment-passage` - **2017-10-25** Do Pass as Amended / Short Debate Judiciary - Civil Committee; 008-000-000 `committee-passage` - **2017-10-25** Placed on Calendar 2nd Reading - Short Debate - **2017-10-25** Second Reading - Short Debate `reading-2` - **2017-10-25** Placed on Calendar Order of 3rd Reading - Short Debate - **2017-10-25** Remove Chief Co-Sponsor Rep. Natalie A. Manley - **2017-10-25** Added Co-Sponsor Rep. Natalie A. Manley - **2017-10-25** Added Chief Co-Sponsor Rep. Peter Breen - **2017-10-25** Added Co-Sponsor Rep. Carol Sente - **2017-10-26** 3/5 Vote Required - **2017-10-26** Third Reading - Short Debate - Passed 109-000-000 `reading-3, passage` - **2017-10-26** Added Co-Sponsor Rep. Ryan Spain - **2017-10-26** Added Co-Sponsor Rep. Jerry Lee Long - **2017-10-26** Added Co-Sponsor Rep. Scott Drury - **2017-10-26** Added Co-Sponsor Rep. Robert Martwick - **2017-10-26** Added Co-Sponsor Rep. David S. Olsen - **2017-10-26** Added Co-Sponsor Rep. Elgie R. Sims, Jr. - **2017-11-01** Arrive in Senate `introduction` - **2017-11-01** Placed on Calendar Order of First Reading `reading-1` - **2017-11-01** Chief Senate Sponsor Sen. Bill Cunningham - **2017-11-01** First Reading `reading-1` - **2017-11-01** Referred to Assignments `referral-committee` - **2017-11-01** Added as Alternate Co-Sponsor Sen. Steve Stadelman - **2017-11-01** Added as Alternate Co-Sponsor Sen. Thomas Cullerton - **2017-11-07** Added as Alternate Chief Co-Sponsor Sen. Michael E. Hastings - **2017-11-07** Added as Alternate Chief Co-Sponsor Sen. Daniel Biss - **2017-11-07** Added as Alternate Co-Sponsor Sen. Neil Anderson - **2017-11-07** Added as Alternate Co-Sponsor Sen. Michael Connelly - **2017-11-08** Added as Alternate Co-Sponsor Sen. Paul Schimpf - **2017-11-08** Added as Alternate Co-Sponsor Sen. Dan McConchie - **2017-11-08** Added as Alternate Co-Sponsor Sen. Dale Fowler - **2018-01-04** Added as Alternate Co-Sponsor Sen. Chapin Rose - **2018-01-30** Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford - **2018-02-14** Assigned to Financial Institutions `referral-committee` - **2018-02-14** Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins - **2018-02-20** Added as Alternate Co-Sponsor Sen. Cristina Castro - **2018-02-21** Do Pass Financial Institutions; 007-000-000 `committee-passage` - **2018-02-21** Placed on Calendar Order of 2nd Reading February 22, 2018 - **2018-02-21** Added as Alternate Co-Sponsor Sen. Linda Holmes - **2018-02-21** Added as Alternate Co-Sponsor Sen. Andy Manar - **2018-02-21** Added as Alternate Co-Sponsor Sen. Ira I. Silverstein - **2018-02-21** Added as Alternate Co-Sponsor Sen. Scott M. Bennett - **2018-02-21** Added as Alternate Co-Sponsor Sen. William R. Haine - **2018-02-22** Added as Alternate Co-Sponsor Sen. Laura M. Murphy - **2018-02-22** Added as Alternate Co-Sponsor Sen. Jennifer Bertino-Tarrant - **2018-02-22** Added as Alternate Co-Sponsor Sen. David Koehler - **2018-02-22** Added as Alternate Co-Sponsor Sen. Wm. Sam McCann - **2018-02-23** Added as Alternate Co-Sponsor Sen. Mattie Hunter - **2018-02-27** Added as Alternate Co-Sponsor Sen. Iris Y. Martinez - **2018-03-01** Added as Alternate Co-Sponsor Sen. Steven M. Landek - **2018-03-01** Added as Alternate Co-Sponsor Sen. Omar Aquino - **2018-03-02** Added as Alternate Co-Sponsor Sen. Pamela J. Althoff - **2018-03-13** Second Reading `reading-2` - **2018-03-13** Placed on Calendar Order of 3rd Reading March 14, 2018 - **2018-03-14** Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr. - **2018-03-14** Third Reading - Passed; 056-000-000 `reading-3, passage` - **2018-03-14** Passed Both Houses - **2018-04-12** Sent to the Governor `executive-receipt` - **2018-06-08** Governor Approved `executive-signature` - **2018-06-08** Effective Date June 8, 2018 - **2018-06-08** Public Act . . . . . . . . . 100-0589 `became-law` ## Source OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e1184c17-455c-438d-a3f3-f98f0fed956c`. Confidence: reported (aggregated from official Illinois legislature records).