---
type: "Bill"
title: "HOME EQUITY ASSURANCE ACT-LOAN"
description: "Amends the Home Equity Assurance Act. Provides that a governing commission of a Guaranteed Home Equity Program with no less than $4,000,000 in its guarantee fund may by resolution (currently, only by referendum) establish a Low Interest Home Improvement Loan Program."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "99th"
identifier: "HB 3193"
citation: "Illinois HB 3193 (99th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 35
vote_count: 2
first_action: "2015-02-25"
last_action: "2015-07-14"
source: "openstates"
source_identifier: "ocd-bill/36afcb8c-2388-47c9-a9d0-a05b5d0cea92"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=3193&GAID=13&DocTypeID=HB&LegId=89341&SessionID=88&GA=99"
source_hash: "82554ba7f2a114c27225f556b971db3c83769348ead27226ae9e4db8de1e462a"
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 3193 (99th) — HOME EQUITY ASSURANCE ACT-LOAN

Amends the Home Equity Assurance Act. Provides that a governing commission of a Guaranteed Home Equity Program with no less than $4,000,000 in its guarantee fund may by resolution (currently, only by referendum) establish a Low Interest Home Improvement Loan Program.

## 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=09900HB3193&GA=99&SessionId=88&DocTypeId=HB&LegID=89341&DocNum=3193&GAID=13&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3193eng&GA=99&SessionId=88&DocTypeId=HB&LegID=89341&DocNum=3193&GAID=13&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3193enr&GA=99&SessionId=88&DocTypeId=HB&LegID=89341&DocNum=3193&GAID=13&Session=&print=true)

## Votes

- Third Reading — **50–3** (pass) · upper
- Third Reading — **82–22** (pass) · lower

## Sponsors

- Robert Martwick — primary (person)

## Timeline

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

- **2015-02-25** Filed with the Clerk by Rep. Robert Martwick `filing`
- **2015-02-25** First Reading `reading-1`
- **2015-02-25** Referred to Rules Committee `referral-committee`
- **2015-03-10** Assigned to Economic Development & Housing Committee `referral-committee`
- **2015-03-17** Added Chief Co-Sponsor Rep. Will Guzzardi
- **2015-03-17** Added Chief Co-Sponsor Rep. Jaime M. Andrade, Jr.
- **2015-03-17** Added Chief Co-Sponsor Rep. William Davis
- **2015-03-17** Added Chief Co-Sponsor Rep. Ann M. Williams
- **2015-03-19** Do Pass / Short Debate Economic Development & Housing Committee; 012-000-000 `committee-passage`
- **2015-03-19** Placed on Calendar 2nd Reading - Short Debate
- **2015-03-26** Second Reading - Short Debate `reading-2`
- **2015-03-26** Placed on Calendar Order of 3rd Reading - Short Debate
- **2015-04-17** Third Reading - Short Debate - Passed 082-022-001 `reading-3, passage`
- **2015-04-17** Added Co-Sponsor Rep. Cynthia Soto
- **2015-04-17** Added Co-Sponsor Rep. John C. D'Amico
- **2015-04-17** Added Co-Sponsor Rep. Daniel J. Burke
- **2015-04-17** Added Co-Sponsor Rep. Kenneth Dunkin
- **2015-04-17** Added Co-Sponsor Rep. Emanuel Chris Welch
- **2015-04-17** Added Co-Sponsor Rep. La Shawn K. Ford
- **2015-04-21** Arrive in Senate `introduction`
- **2015-04-21** Placed on Calendar Order of First Reading `reading-1`
- **2015-04-21** Chief Senate Sponsor Sen. John G. Mulroe
- **2015-04-21** First Reading `reading-1`
- **2015-04-21** Referred to Assignments `referral-committee`
- **2015-05-06** Assigned to Local Government `referral-committee`
- **2015-05-13** Do Pass Local Government; 010-000-000 `committee-passage`
- **2015-05-13** Placed on Calendar Order of 2nd Reading May 14, 2015
- **2015-05-18** Second Reading `reading-2`
- **2015-05-18** Placed on Calendar Order of 3rd Reading May 19, 2015
- **2015-05-19** Third Reading - Passed; 050-003-000 `reading-3, passage`
- **2015-05-19** Passed Both Houses
- **2015-06-17** Sent to the Governor `executive-receipt`
- **2015-07-14** Governor Approved `executive-signature`
- **2015-07-14** Effective Date January 1, 2016
- **2015-07-14** Public Act . . . . . . . . . 99-0037 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/36afcb8c-2388-47c9-a9d0-a05b5d0cea92`. Confidence: reported (aggregated from official Illinois legislature records).