---
type: "Bill"
title: "CONS FRAUD ACT-IDEN THEFT CRED"
description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for a person to deny credit or public utility service to or reduce the credit limit of a consumer solely because the consumer has been a victim of identity theft, if the person had prior knowledge that the consumer has been a victim of identity theft. Provides that a consumer is presumed to be a victim of identity theft if he or she provides certain information. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "94th"
identifier: "HB 2696"
citation: "Illinois HB 2696 (94th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 63
vote_count: 2
first_action: "2005-02-22"
last_action: "2005-06-16"
source: "openstates"
source_identifier: "ocd-bill/359223d9-74a5-4350-8b59-3d5bb499276f"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=2696&GAID=8&DocTypeID=HB&LegId=18709&SessionID=50&GA=94"
source_hash: "4d206f9314c57a7b76c66615d02cb601556d6f66e7e29d4699cc80f2ec9a2d22"
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 2696 (94th) — CONS FRAUD ACT-IDEN THEFT CRED

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for a person to deny credit or public utility service to or reduce the credit limit of a consumer solely because the consumer has been a victim of identity theft, if the person had prior knowledge that the consumer has been a victim of identity theft. Provides that a consumer is presumed to be a victim of identity theft if he or she provides certain information. 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=09400HB2696&GA=94&SessionId=50&DocTypeId=HB&LegID=18709&DocNum=2696&GAID=8&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400HB2696eng&GA=94&SessionId=50&DocTypeId=HB&LegID=18709&DocNum=2696&GAID=8&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400HB2696enr&GA=94&SessionId=50&DocTypeId=HB&LegID=18709&DocNum=2696&GAID=8&Session=&print=true)

## Votes

- Third Reading — **53–0** (pass) · upper
- Third Reading — **113–0** (pass) · lower

## Sponsors

- Don Harmon — cosponsor (person)
- Edward D. Maloney — cosponsor (person)
- Gary Forby — cosponsor (person)
- James F. Clayborne, Jr. — cosponsor (person)
- Ruth Munson — primary (person)

## Timeline

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

- **2005-02-22** Filed with the Clerk by Rep. Ruth Munson `filing`
- **2005-02-22** First Reading `reading-1`
- **2005-02-22** Referred to Rules Committee `referral-committee`
- **2005-02-23** Assigned to Consumer Protection Committee `referral-committee`
- **2005-03-01** Added Chief Co-Sponsor Rep. Carolyn H. Krause
- **2005-03-01** Do Pass / Short Debate Consumer Protection Committee; 012-001-000 `committee-passage`
- **2005-03-02** Placed on Calendar 2nd Reading - Short Debate
- **2005-03-02** Added Chief Co-Sponsor Rep. Rosemary Mulligan
- **2005-03-03** Added Chief Co-Sponsor Rep. Patricia Bailey
- **2005-03-03** Second Reading - Short Debate `reading-2`
- **2005-03-03** Placed on Calendar Order of 3rd Reading - Short Debate
- **2005-03-08** Recalled to Second Reading - Short Debate `reading-2`
- **2005-03-08** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2005-03-14** House Floor Amendment No. 1 Filed with Clerk by Rep. Ruth Munson `amendment-introduction`
- **2005-03-14** House Floor Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2005-03-15** Second Reading - Short Debate `reading-2`
- **2005-03-15** Placed on Calendar Order of 3rd Reading - Short Debate
- **2005-03-15** Recalled to Second Reading - Short Debate `reading-2`
- **2005-03-15** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2005-04-05** House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 005-000-000 `committee-passage-favorable`
- **2005-04-05** House Floor Amendment No. 1 Adopted by Voice Vote `amendment-passage`
- **2005-04-05** Placed on Calendar Order of 3rd Reading - Short Debate
- **2005-04-05** Added Chief Co-Sponsor Rep. JoAnn D. Osmond
- **2005-04-05** Added Co-Sponsor Rep. Patricia Reid Lindner
- **2005-04-05** Added Co-Sponsor Rep. Sandra M. Pihos
- **2005-04-05** Added Co-Sponsor Rep. Patricia R. Bellock
- **2005-04-06** Added Co-Sponsor Rep. William B. Black
- **2005-04-06** Added Co-Sponsor Rep. Thomas Holbrook
- **2005-04-06** Added Co-Sponsor Rep. Michael K. Smith
- **2005-04-06** Added Co-Sponsor Rep. Daniel V. Beiser
- **2005-04-06** Added Co-Sponsor Rep. John E. Bradley
- **2005-04-06** Added Co-Sponsor Rep. William Davis
- **2005-04-06** Added Co-Sponsor Rep. Karen May
- **2005-04-06** Added Co-Sponsor Rep. Terry R. Parke
- **2005-04-06** Added Co-Sponsor Rep. Suzanne Bassi
- **2005-04-06** Added Co-Sponsor Rep. Jack D. Franks
- **2005-04-06** Added Co-Sponsor Rep. Linda Chapa LaVia
- **2005-04-06** Added Co-Sponsor Rep. Richard T. Bradley
- **2005-04-06** Third Reading - Short Debate - Passed 113-000-000 `reading-3, passage`
- **2005-04-06** Added Co-Sponsor Rep. Elizabeth Coulson
- **2005-04-06** Added Co-Sponsor Rep. Roger L. Eddy
- **2005-04-07** Arrive in Senate `introduction`
- **2005-04-07** Placed on Calendar Order of First Reading April 8, 2005 `reading-1`
- **2005-04-12** Chief Senate Sponsor Sen. Pamela J. Althoff
- **2005-04-13** First Reading `reading-1`
- **2005-04-13** Referred to Rules `referral-committee`
- **2005-04-21** Assigned to Executive `referral-committee`
- **2005-05-05** Do Pass Executive; 010-000-000 `committee-passage`
- **2005-05-05** Placed on Calendar Order of 2nd Reading May 10, 2005
- **2005-05-10** Second Reading `reading-2`
- **2005-05-10** Placed on Calendar Order of 3rd Reading May 11, 2005
- **2005-05-16** Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2005-05-16** Third Reading - Passed; 053-000-000 `reading-3, passage`
- **2005-05-16** Passed Both Houses
- **2005-05-28** Added as Alternate Co-Sponsor Sen. James F. Clayborne, Jr.
- **2005-05-29** Added as Alternate Chief Co-Sponsor Sen. M. Maggie Crotty
- **2005-05-29** Added as Alternate Co-Sponsor Sen. Edward D. Maloney
- **2005-05-30** Added as Alternate Co-Sponsor Sen. Gary Forby
- **2005-05-30** Added as Alternate Co-Sponsor Sen. Don Harmon
- **2005-06-14** Sent to the Governor `executive-receipt`
- **2005-06-16** Governor Approved `executive-signature`
- **2005-06-16** Effective Date June 16, 2005
- **2005-06-16** Public Act . . . . . . . . . 94-0037 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/359223d9-74a5-4350-8b59-3d5bb499276f`. Confidence: reported (aggregated from official Illinois legislature records).