---
type: "Bill"
title: "INSTALLMENT LOANS-PET SALES"
description: "Amends the Sales Finance Agency Act. Provides that a licensee shall not assist a person or make loans to assist a person purchasing a canine or feline secured by: (1) a retail installment contract; (2) a retail charge agreement; or (3) the outstanding balance under a retail installment contract or a retail charge agreement. Amends the Predatory Loan Prevention Act and the Retail Installment Sales Act to make corresponding changes."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "103rd"
identifier: "HB 3236"
citation: "Illinois HB 3236 (103rd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Jonathan Carroll", "Linda Holmes"]
version_count: 5
action_count: 46
vote_count: 8
first_action: "2023-02-16"
last_action: "2023-07-28"
source: "openstates"
source_identifier: "ocd-bill/ad6da20e-b876-439b-b559-5af168d3ab2a"
source_url: "https://beta.ilga.gov/Legislation/BillStatus?DocNum=3236&GAID=17&DocTypeID=HB&LegId=148392&SessionID=112"
source_hash: "2208bf2909ebb3f7ffcb8183aa58c104ba1fbf7acd55c93ea3d9f853439a992f"
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 3236 (103rd) — INSTALLMENT LOANS-PET SALES

Amends the Sales Finance Agency Act. Provides that a licensee shall not assist a person or make loans to assist a person purchasing a canine or feline secured by: (1) a retail installment contract; (2) a retail charge agreement; or (3) the outstanding balance under a retail installment contract or a retail charge agreement. Amends the Predatory Loan Prevention Act and the Retail Installment Sales Act to make corresponding changes.

## Version chain

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

1. **Introduced** (filed) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB3236.pdf)
2. **Engrossed** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB3236eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB3236ham001.pdf)
4. **Senate Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB3236sam001.pdf)
5. **Enrolled** (enrolled) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB3236enr.pdf)

## Votes

- Third Reading — **93–10** (pass) · lower
- Consumer Protection — **8–0** (pass) · lower
- Concurrence — **100–11** (pass) · lower
- Consumer Protection — **9–0** (pass) · lower
- Third Reading — **56–0** (pass) · lower
- Consumer Protection, Amendment 1 — **9–0** (pass) · lower
- Financial Institutions — **7–0** (pass) · lower
- Financial Institutions — **7–0** (pass) · lower

## Sponsors

- Jonathan Carroll — primary (person)
- Linda Holmes — primary (person)
- Joyce Mason — cosponsor (person)
- Rita Mayfield — cosponsor (person)

## Timeline

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

- **2023-02-16** Filed with the Clerk by Rep. Jonathan Carroll `filing`
- **2023-02-17** First Reading `reading-1`
- **2023-02-17** Referred to Rules Committee
- **2023-02-23** Assigned to Consumer Protection Committee `referral-committee`
- **2023-03-01** Added Co-Sponsor Rep. Rita Mayfield
- **2023-03-02** Added Chief Co-Sponsor Rep. Joyce Mason
- **2023-03-02** Chief Co-Sponsor Changed to Rep. Joyce Mason
- **2023-03-07** Do Pass / Short Debate Consumer Protection Committee; 009-000-000
- **2023-03-08** Placed on Calendar 2nd Reading - Short Debate `reading-2`
- **2023-03-21** House Floor Amendment No. 1 Filed with Clerk by Rep. Jonathan Carroll `amendment-introduction`
- **2023-03-21** House Floor Amendment No. 1 Referred to Rules Committee
- **2023-03-22** House Floor Amendment No. 1 Rules Refers to Consumer Protection Committee
- **2023-03-22** Second Reading - Short Debate `reading-2`
- **2023-03-22** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2023-03-23** House Floor Amendment No. 1 Recommends Be Adopted Consumer Protection Committee; 009-000-000 `committee-passage-favorable`
- **2023-03-24** House Floor Amendment No. 1 Adopted `amendment-passage`
- **2023-03-24** Placed on Calendar Order of 3rd Reading - Short Debate
- **2023-03-24** Third Reading - Short Debate - Passed 093-010-000 `passage, reading-3`
- **2023-03-27** Arrive in Senate `introduction`
- **2023-03-27** Placed on Calendar Order of First Reading `reading-1`
- **2023-03-27** Chief Senate Sponsor Sen. Linda Holmes
- **2023-03-27** First Reading `reading-1`
- **2023-03-27** Referred to Assignments
- **2023-04-18** Assigned to Financial Institutions `referral-committee`
- **2023-04-21** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Linda Holmes `amendment-introduction`
- **2023-04-21** Senate Committee Amendment No. 1 Referred to Assignments
- **2023-04-25** Senate Committee Amendment No. 1 Assignments Refers to Financial Institutions
- **2023-04-25** Senate Committee Amendment No. 1 Adopted; Financial Institutions `amendment-passage`
- **2023-04-26** Do Pass as Amended Financial Institutions; 007-000-000
- **2023-04-26** Placed on Calendar Order of 2nd Reading April 27, 2023 `reading-2`
- **2023-05-02** Second Reading `reading-2`
- **2023-05-02** Placed on Calendar Order of 3rd Reading May 3, 2023
- **2023-05-04** Third Reading - Passed; 056-000-000 `passage, reading-3`
- **2023-05-08** Arrived in House `introduction`
- **2023-05-08** Placed on Calendar Order of Concurrence Senate Amendment(s) 1
- **2023-05-09** Senate Committee Amendment No. 1 Motion Filed Concur Rep. Jonathan Carroll
- **2023-05-09** Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee
- **2023-05-15** Senate Committee Amendment No. 1 Motion to Concur Referred to Consumer Protection Committee
- **2023-05-16** Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Consumer Protection Committee; 008-000-000
- **2023-05-17** Senate Committee Amendment No. 1 House Concurs 100-011-000
- **2023-05-17** House Concurs
- **2023-05-17** Passed Both Houses
- **2023-06-15** Sent to the Governor `executive-receipt`
- **2023-07-28** Governor Approved `executive-signature`
- **2023-07-28** Effective Date January 1, 2024
- **2023-07-28** Public Act . . . . . . . . . 103-0339 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ad6da20e-b876-439b-b559-5af168d3ab2a`. Confidence: reported (aggregated from official Illinois legislature records).