---
type: "Bill"
title: "ELEC FUND TRANSFER-LIABILITY"
description: "Amends the Electronic Fund Transfer Act. Provides that no financial institution or other person shall be held liable for programming a terminal or choosing not to program a terminal to send an alarm to the local law enforcement agency when a consumer enters his or her personal identification number in reverse order. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "93rd"
identifier: "HB 4652"
citation: "Illinois HB 4652 (93rd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 32
vote_count: 2
first_action: "2004-02-04"
last_action: "2004-08-10"
source: "openstates"
source_identifier: "ocd-bill/06cb620c-3281-431a-a105-226f20a74a51"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=4652&GAID=3&DocTypeID=HB&LegId=9228&SessionID=3&GA=93"
source_hash: "6e6bda078a346a75325316cfc66b9e35dfdd3bba4ca664f85732e5ea844a1f5f"
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 4652 (93rd) — ELEC FUND TRANSFER-LIABILITY

Amends the Electronic Fund Transfer Act. Provides that no financial institution or other person shall be held liable for programming a terminal or choosing not to program a terminal to send an alarm to the local law enforcement agency when a consumer enters his or her personal identification number in reverse order. 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=09300HB4652&GA=93&SessionId=3&DocTypeId=HB&LegID=9228&DocNum=4652&GAID=3&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09300HB4652eng&GA=93&SessionId=3&DocTypeId=HB&LegID=9228&DocNum=4652&GAID=3&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09300HB4652enr&GA=93&SessionId=3&DocTypeId=HB&LegID=9228&DocNum=4652&GAID=3&Session=&print=true)

## Votes

- Third Reading — **115–0** (pass) · lower
- Third Reading — **57–0** (pass) · upper

## Sponsors

- Ralph C. Capparelli — primary (person)

## Timeline

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

- **2004-02-04** Filed with the Clerk by Rep. Ralph C. Capparelli `filing`
- **2004-02-04** Chief Co-Sponsor Rep. Joseph M. Lyons
- **2004-02-04** First Reading `reading-1`
- **2004-02-04** Referred to Rules Committee `referral-committee`
- **2004-02-19** Assigned to Judiciary I - Civil Law Committee `referral-committee`
- **2004-03-04** Do Pass / Short Debate Judiciary I - Civil Law Committee; 015-001-001 `committee-passage`
- **2004-03-04** Placed on Calendar 2nd Reading - Short Debate
- **2004-03-18** Fiscal Note Filed
- **2004-03-30** House Floor Amendment No. 1 Filed with Clerk by Rep. Ralph C. Capparelli `amendment-introduction`
- **2004-03-30** House Floor Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2004-03-31** House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 004-000-000 `committee-passage-favorable`
- **2004-03-31** Second Reading - Short Debate `reading-2`
- **2004-03-31** House Floor Amendment No. 1 Adopted by Voice Vote `amendment-passage`
- **2004-03-31** Placed on Calendar Order of 3rd Reading - Short Debate
- **2004-04-01** Added Chief Co-Sponsor Rep. Kenneth Dunkin
- **2004-04-01** Third Reading - Short Debate - Passed 115-000-003 `reading-3, passage`
- **2004-04-06** Arrive in Senate `introduction`
- **2004-04-06** Placed on Calendar Order of First Reading April 20, 2004 `reading-1`
- **2004-04-06** Chief Senate Sponsor Sen. Terry Link
- **2004-04-06** First Reading `reading-1`
- **2004-04-06** Referred to Rules `referral-committee`
- **2004-04-21** Assigned to Financial Institutions `referral-committee`
- **2004-04-29** Do Pass Financial Institutions; 007-000-000 `committee-passage`
- **2004-04-29** Placed on Calendar Order of 2nd Reading May 4, 2004
- **2004-05-04** Second Reading `reading-2`
- **2004-05-04** Placed on Calendar Order of 3rd Reading May 5, 2004
- **2004-05-13** Third Reading - Passed; 057-000-000 `reading-3, passage`
- **2004-05-13** Passed Both Houses
- **2004-06-11** Sent to the Governor `executive-receipt`
- **2004-08-10** Governor Approved `executive-signature`
- **2004-08-10** Effective Date August 10, 2004
- **2004-08-10** Public Act . . . . . . . . . 93-0898 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/06cb620c-3281-431a-a105-226f20a74a51`. Confidence: reported (aggregated from official Illinois legislature records).