---
type: "Bill"
title: "AUTO INS-USE OF CREDIT INFO"
description: "Amends the Use of Credit Information in Personal Insurance Act. Prohibits insurers from using the credit information or the credit report of a consumer when issuing a policy of automobile insurance."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "94th"
identifier: "HB 265"
citation: "Illinois HB 265 (94th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 42
vote_count: 2
first_action: "2005-01-18"
last_action: "2005-07-19"
source: "openstates"
source_identifier: "ocd-bill/22a1504b-f04f-47fc-9cfd-1c11846a3012"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=265&GAID=8&DocTypeID=HB&LegId=14485&SessionID=50&GA=94"
source_hash: "13f9171fbaeb29d704371e3512fc97da8afd2851d8746bd59efb95e6ea69f0ec"
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 265 (94th) — AUTO INS-USE OF CREDIT INFO

Amends the Use of Credit Information in Personal Insurance Act. Prohibits insurers from using the credit information or the credit report of a consumer when issuing a policy of automobile insurance.

## 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=09400HB0265&GA=94&SessionId=50&DocTypeId=HB&LegID=14485&DocNum=265&GAID=8&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400HB0265eng&GA=94&SessionId=50&DocTypeId=HB&LegID=14485&DocNum=265&GAID=8&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400HB0265enr&GA=94&SessionId=50&DocTypeId=HB&LegID=14485&DocNum=265&GAID=8&Session=&print=true)

## Votes

- Third Reading — **57–0** (pass) · upper
- Third Reading — **116–0** (pass) · lower

## Sponsors

- John J. Millner — primary (person)

## Timeline

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

- **2005-01-18** Filed with the Clerk by Rep. John J. Millner `filing`
- **2005-01-19** First Reading `reading-1`
- **2005-01-19** Referred to Rules Committee `referral-committee`
- **2005-01-26** Assigned to Consumer Protection Committee `referral-committee`
- **2005-02-08** Added Chief Co-Sponsor Rep. Sandra M. Pihos
- **2005-02-17** Added Co-Sponsor Rep. Maria Antonia Berrios
- **2005-02-17** Added Co-Sponsor Rep. Michelle Chavez
- **2005-03-08** House Committee Amendment No. 1 Filed with Clerk by Consumer Protection Committee `amendment-introduction`
- **2005-03-08** House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote `amendment-passage`
- **2005-03-08** Do Pass as Amended / Short Debate Consumer Protection Committee; 012-000-000 `committee-passage`
- **2005-03-09** Placed on Calendar 2nd Reading - Short Debate
- **2005-03-16** Chief Co-Sponsor Rep. Eddie Washington
- **2005-04-06** House Floor Amendment No. 2 Filed with Clerk by Rep. John J. Millner `amendment-introduction`
- **2005-04-06** House Floor Amendment No. 2 Referred to Rules Committee `referral-committee`
- **2005-04-07** House Floor Amendment No. 3 Filed with Clerk by Rep. John J. Millner `amendment-introduction`
- **2005-04-07** House Floor Amendment No. 3 Referred to Rules Committee `referral-committee`
- **2005-04-07** House Floor Amendment No. 2 Rules Refers to Consumer Protection Committee
- **2005-04-08** Second Reading - Short Debate `reading-2`
- **2005-04-08** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2005-04-11** House Floor Amendment No. 3 Rules Refers to Consumer Protection Committee
- **2005-04-11** House Floor Amendment No. 3 Recommends Be Adopted Consumer Protection Committee; 009-000-000 `committee-passage-favorable`
- **2005-04-11** House Floor Amendment No. 3 Adopted by Voice Vote `amendment-passage`
- **2005-04-11** Placed on Calendar Order of 3rd Reading - Short Debate
- **2005-04-12** Third Reading - Short Debate - Passed 116-000-000 `reading-3, passage`
- **2005-04-12** House Floor Amendment No. 2 Tabled Pursuant to Rule 40(a) `amendment-failure`
- **2005-04-12** Added Co-Sponsor Rep. Cynthia Soto
- **2005-04-12** Arrive in Senate `introduction`
- **2005-04-12** Placed on Calendar Order of First Reading April 13, 2005 `reading-1`
- **2005-04-20** Chief Senate Sponsor Sen. Bill Brady
- **2005-04-21** First Reading `reading-1`
- **2005-04-21** Referred to Rules `referral-committee`
- **2005-04-21** Assigned to Insurance `referral-committee`
- **2005-05-04** Do Pass Insurance; 007-000-000 `committee-passage`
- **2005-05-04** Placed on Calendar Order of 2nd Reading May 5, 2005
- **2005-05-11** Second Reading `reading-2`
- **2005-05-11** Placed on Calendar Order of 3rd Reading May 12, 2005
- **2005-05-17** Third Reading - Passed; 057-000-000 `reading-3, passage`
- **2005-05-17** Passed Both Houses
- **2005-06-15** Sent to the Governor `executive-receipt`
- **2005-07-19** Governor Approved `executive-signature`
- **2005-07-19** Effective Date July 1, 2006
- **2005-07-19** Public Act . . . . . . . . . 94-0245 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/22a1504b-f04f-47fc-9cfd-1c11846a3012`. Confidence: reported (aggregated from official Illinois legislature records).