---
type: "Bill"
title: "MANUFACTURED HOMES-REFINANCING"
description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a lender, or agent of a lending company, when offering terms for a mortgage note for the purchase of a manufactured home, shall disclose: (1) any affiliation between the landlord and the lending company; (2) that the loan is a chattel loan; (3) that the terms of a chattel loan prohibit refinancing; and (4) any other reason that prohibits refinancing. Provides that a violation constitutes an unlawful practice within the meaning of the Act."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "SB 1779"
citation: "Illinois SB 1779 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Laura M. Murphy", "Martin J. Moylan"]
version_count: 6
action_count: 40
vote_count: 2
first_action: "2021-02-26"
last_action: "2021-08-13"
source: "openstates"
source_identifier: "ocd-bill/fef4f960-283d-4636-9a09-5ee412992fce"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=1779&GAID=16&DocTypeID=SB&LegId=134430&SessionID=110&GA=102"
source_hash: "4475a173660f4253c1c1c636086b845145891703c26c38c443314e1d381b0f05"
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 SB 1779 (102nd) — MANUFACTURED HOMES-REFINANCING

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a lender, or agent of a lending company, when offering terms for a mortgage note for the purchase of a manufactured home, shall disclose: (1) any affiliation between the landlord and the lending company; (2) that the loan is a chattel loan; (3) that the terms of a chattel loan prohibit refinancing; and (4) any other reason that prohibits refinancing. Provides that a violation constitutes an unlawful practice within the meaning of the Act.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779eng.pdf)
3. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779sam001.pdf)
4. **Senate Amendment 002** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779sam002.pdf)
5. **Senate Amendment 003** (committee substitute) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779sam003.pdf)
6. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/SB/PDF/10200SB1779enr.pdf)

## Votes

- Third Reading — **111–0** (pass) · lower
- Third Reading — **54–0** (pass) · upper

## Sponsors

- Laura M. Murphy — primary (person)
- Martin J. Moylan — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-02-26** Filed with Secretary by Sen. Laura M. Murphy `filing`
- **2021-02-26** First Reading `reading-1`
- **2021-02-26** Referred to Assignments `referral-committee`
- **2021-03-09** Assigned to Judiciary `referral-committee`
- **2021-03-16** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Laura M. Murphy `amendment-introduction`
- **2021-03-16** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
- **2021-03-16** Do Pass Judiciary; 007-002-000 `committee-passage`
- **2021-03-16** Placed on Calendar Order of 2nd Reading March 17, 2021
- **2021-03-18** Senate Floor Amendment No. 2 Filed with Secretary by Sen. Laura M. Murphy `amendment-introduction`
- **2021-03-18** Senate Floor Amendment No. 2 Referred to Assignments `referral-committee`
- **2021-03-23** Senate Floor Amendment No. 2 Assignments Refers to Judiciary
- **2021-03-24** Senate Floor Amendment No. 2 Recommend Do Adopt Judiciary; 006-002-000
- **2021-04-13** Senate Floor Amendment No. 3 Filed with Secretary by Sen. Laura M. Murphy `amendment-introduction`
- **2021-04-13** Senate Floor Amendment No. 3 Referred to Assignments `referral-committee`
- **2021-04-14** Senate Floor Amendment No. 3 Assignments Refers to Judiciary
- **2021-04-20** Second Reading `reading-2`
- **2021-04-20** Senate Floor Amendment No. 2 Adopted; Murphy `amendment-passage`
- **2021-04-20** Placed on Calendar Order of 3rd Reading ** April 21, 2021
- **2021-04-20** Senate Floor Amendment No. 3 Recommend Do Adopt Judiciary; 007-000-000
- **2021-04-21** Recalled to Second Reading `reading-2`
- **2021-04-21** Senate Floor Amendment No. 3 Adopted; Murphy `amendment-passage`
- **2021-04-21** Third Reading - Passed; 054-000-000 `passage, reading-3`
- **2021-04-21** Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4 (a) `amendment-failure`
- **2021-04-22** Arrived in House `introduction`
- **2021-04-22** Chief House Sponsor Rep. Martin J. Moylan
- **2021-04-23** First Reading `reading-1`
- **2021-04-23** Referred to Rules Committee `referral-committee`
- **2021-04-28** Assigned to Financial Institutions Committee `referral-committee`
- **2021-05-06** Do Pass / Consent Calendar Financial Institutions Committee; 011-000-000 `committee-passage`
- **2021-05-07** Placed on Calendar 2nd Reading - Consent Calendar
- **2021-05-12** Second Reading - Consent Calendar `reading-2`
- **2021-05-12** Held on Calendar Order of Second Reading - Consent Calendar `reading-2`
- **2021-05-13** Placed on Calendar Order of 3rd Reading - Consent Calendar
- **2021-05-14** Third Reading - Consent Calendar - First Day `reading-3`
- **2021-05-21** Third Reading - Consent Calendar - Passed 111-000-000 `passage, reading-3`
- **2021-05-21** Passed Both Houses
- **2021-06-17** Sent to the Governor `executive-receipt`
- **2021-08-13** Governor Approved `executive-signature`
- **2021-08-13** Effective Date January 1, 2022
- **2021-08-13** Public Act . . . . . . . . . 102-0365 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/fef4f960-283d-4636-9a09-5ee412992fce`. Confidence: reported (aggregated from official Illinois legislature records).