---
type: "Bill"
title: "RES MORTGAGE-LOAN PROCESSING"
description: "Amends the Residential Mortgage License Act of 1987. Provides that \"soliciting, processing, placing, or negotiating a residential mortgage loan\" excludes independent loan processing as permitted by the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "100th"
identifier: "HB 4404"
citation: "Illinois HB 4404 (100th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 42
vote_count: 2
first_action: "2018-01-30"
last_action: "2018-08-14"
source: "openstates"
source_identifier: "ocd-bill/fa7addfb-5533-4404-97aa-11f689cb7677"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=4404&GAID=14&DocTypeID=HB&LegId=109155&SessionID=91&GA=100"
source_hash: "45b02ac2fd905924a761327c60111d34fd7a98f5ca1aef5d9dcef9494259237d"
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 4404 (100th) — RES MORTGAGE-LOAN PROCESSING

Amends the Residential Mortgage License Act of 1987. Provides that "soliciting, processing, placing, or negotiating a residential mortgage loan" excludes independent loan processing as permitted by the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008.

## 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=10000HB4404&GA=100&SessionId=91&DocTypeId=HB&LegID=109155&DocNum=4404&GAID=14&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4404eng&GA=100&SessionId=91&DocTypeId=HB&LegID=109155&DocNum=4404&GAID=14&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4404enr&GA=100&SessionId=91&DocTypeId=HB&LegID=109155&DocNum=4404&GAID=14&Session=&print=true)

## Votes

- Third Reading — **57–0** (pass) · upper
- Third Reading — **110–0** (pass) · lower

## Sponsors

- Margo McDermed — primary (person)

## Timeline

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

- **2018-01-30** Filed with the Clerk by Rep. Margo McDermed `filing`
- **2018-01-30** First Reading `reading-1`
- **2018-01-30** Referred to Rules Committee `referral-committee`
- **2018-03-21** Assigned to Executive Committee `referral-committee`
- **2018-03-23** House Committee Amendment No. 1 Filed with Clerk by Rep. Margo McDermed `amendment-introduction`
- **2018-03-23** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2018-04-09** House Committee Amendment No. 1 Rules Refers to Executive Committee
- **2018-04-09** Motion Filed to Suspend Rule 21 Executive Committee; Rep. Barbara Flynn Currie
- **2018-04-09** Motion to Suspend Rule 21 - Prevailed
- **2018-04-10** House Committee Amendment No. 1 Adopted in Executive Committee; by Voice Vote `amendment-passage`
- **2018-04-10** Do Pass as Amended / Short Debate Executive Committee; 010-000-000 `committee-passage`
- **2018-04-10** Placed on Calendar 2nd Reading - Short Debate
- **2018-04-17** Added Co-Sponsor Rep. David McSweeney
- **2018-04-17** Added Co-Sponsor Rep. William Davis
- **2018-04-17** Added Co-Sponsor Rep. Mark Batinick
- **2018-04-17** Added Co-Sponsor Rep. André Thapedi
- **2018-04-17** House Floor Amendment No. 2 Filed with Clerk by Rep. Margo McDermed `amendment-introduction`
- **2018-04-17** House Floor Amendment No. 2 Referred to Rules Committee `referral-committee`
- **2018-04-19** Added Co-Sponsor Rep. Michael J. Zalewski
- **2018-04-19** Added Co-Sponsor Rep. Carol Sente
- **2018-04-23** House Floor Amendment No. 2 Rules Refers to Executive Committee
- **2018-04-24** House Floor Amendment No. 2 Recommends Be Adopted Executive Committee; 008-000-000 `committee-passage-favorable`
- **2018-04-25** Second Reading - Short Debate `reading-2`
- **2018-04-25** House Floor Amendment No. 2 Adopted `amendment-passage`
- **2018-04-25** Placed on Calendar Order of 3rd Reading - Short Debate
- **2018-04-26** Third Reading - Short Debate - Passed 110-000-000 `reading-3, passage`
- **2018-05-01** Arrive in Senate `introduction`
- **2018-05-01** Placed on Calendar Order of First Reading `reading-1`
- **2018-05-01** Chief Senate Sponsor Sen. Paul Schimpf
- **2018-05-01** First Reading `reading-1`
- **2018-05-01** Referred to Assignments `referral-committee`
- **2018-05-02** Assigned to Financial Institutions `referral-committee`
- **2018-05-09** Do Pass Financial Institutions; 005-000-000 `committee-passage`
- **2018-05-09** Placed on Calendar Order of 2nd Reading May 10, 2018
- **2018-05-10** Second Reading `reading-2`
- **2018-05-10** Placed on Calendar Order of 3rd Reading May 15, 2018
- **2018-05-23** Third Reading - Passed; 057-000-000 `reading-3, passage`
- **2018-05-23** Passed Both Houses
- **2018-06-21** Sent to the Governor `executive-receipt`
- **2018-08-14** Governor Approved `executive-signature`
- **2018-08-14** Effective Date August 14, 2018
- **2018-08-14** Public Act . . . . . . . . . 100-0851 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/fa7addfb-5533-4404-97aa-11f689cb7677`. Confidence: reported (aggregated from official Illinois legislature records).