---
type: "Bill"
title: "FREE VETERAN CREDIT FREEZE"
description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that consumer reporting agencies shall implement a credit freeze without cost to military personnel and veterans."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "99th"
identifier: "HB 3425"
citation: "Illinois HB 3425 (99th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 51
vote_count: 3
first_action: "2015-02-26"
last_action: "2015-08-17"
source: "openstates"
source_identifier: "ocd-bill/72615d77-2680-45ea-b60f-48240154fcc3"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=3425&GAID=13&DocTypeID=HB&LegId=89610&SessionID=88&GA=99"
source_hash: "08ef440fabb65deeb21d2d1c1bfbb27e77b9d83bce5222cb6f09087a266edea1"
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 3425 (99th) — FREE VETERAN CREDIT FREEZE

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that consumer reporting agencies shall implement a credit freeze without cost to military personnel and veterans.

## 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=09900HB3425&GA=99&SessionId=88&DocTypeId=HB&LegID=89610&DocNum=3425&GAID=13&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3425eng&GA=99&SessionId=88&DocTypeId=HB&LegID=89610&DocNum=3425&GAID=13&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3425enr&GA=99&SessionId=88&DocTypeId=HB&LegID=89610&DocNum=3425&GAID=13&Session=&print=true)

## Votes

- Third Reading — **116–0** (pass) · lower
- Third Reading — **53–0** (pass) · upper
- Concurrence — **112–0** (pass) · lower

## Sponsors

- Eddie Lee Jackson, Sr. — primary (person)

## Timeline

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

- **2015-02-26** Filed with the Clerk by Rep. Eddie Lee Jackson, Sr. `filing`
- **2015-02-26** First Reading `reading-1`
- **2015-02-26** Referred to Rules Committee `referral-committee`
- **2015-03-10** Assigned to Consumer Protection Committee `referral-committee`
- **2015-03-24** Do Pass / Short Debate Consumer Protection Committee; 016-000-000 `committee-passage`
- **2015-03-25** Placed on Calendar 2nd Reading - Short Debate
- **2015-04-01** Added Co-Sponsor Rep. Daniel V. Beiser
- **2015-04-14** Added Co-Sponsor Rep. Brandon W. Phelps
- **2015-04-14** Second Reading - Short Debate `reading-2`
- **2015-04-14** Placed on Calendar Order of 3rd Reading - Short Debate
- **2015-04-15** Added Chief Co-Sponsor Rep. Stephanie A. Kifowit
- **2015-04-15** Added Co-Sponsor Rep. Lawrence Walsh, Jr.
- **2015-04-15** Added Co-Sponsor Rep. Martin J. Moylan
- **2015-04-15** Third Reading - Short Debate - Passed 116-000-000 `reading-3, passage`
- **2015-04-15** Arrive in Senate `introduction`
- **2015-04-15** Placed on Calendar Order of First Reading April 16, 2015 `reading-1`
- **2015-04-16** Chief Senate Sponsor Sen. Terry Link
- **2015-04-16** First Reading `reading-1`
- **2015-04-16** Referred to Assignments `referral-committee`
- **2015-04-22** Assigned to Commerce and Economic Development `referral-committee`
- **2015-04-28** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Terry Link `amendment-introduction`
- **2015-04-28** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
- **2015-04-29** Senate Committee Amendment No. 1 Assignments Refers to Commerce and Economic Development
- **2015-04-30** Postponed - Commerce and Economic Development
- **2015-04-30** Senate Committee Amendment No. 1 Postponed - Commerce and Economic Development
- **2015-05-07** Senate Committee Amendment No. 1 Adopted `amendment-passage`
- **2015-05-07** Do Pass as Amended Commerce and Economic Development; 010-000-000 `committee-passage`
- **2015-05-07** Placed on Calendar Order of 2nd Reading May 12, 2015
- **2015-05-19** Second Reading `reading-2`
- **2015-05-19** Placed on Calendar Order of 3rd Reading May 20, 2015
- **2015-05-22** Third Reading - Passed; 053-000-000 `reading-3, passage`
- **2015-05-22** Arrived in House `introduction`
- **2015-05-22** Placed on Calendar Order of Concurrence Senate Amendment(s) 1
- **2015-05-25** Senate Committee Amendment No. 1 Motion Filed Concur Rep. Eddie Lee Jackson, Sr.
- **2015-05-25** Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee `referral-committee`
- **2015-05-26** Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Consumer Protection Committee `referral-committee`
- **2015-05-27** Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Consumer Protection Committee; 010-000-000
- **2015-05-31** Senate Committee Amendment No. 1 House Concurs 112-000-000
- **2015-05-31** House Concurs
- **2015-05-31** Passed Both Houses
- **2015-05-31** Added Chief Co-Sponsor Rep. Jack D. Franks
- **2015-05-31** Added Chief Co-Sponsor Rep. Carol Ammons
- **2015-05-31** Added Chief Co-Sponsor Rep. Linda Chapa LaVia
- **2015-05-31** Added Co-Sponsor Rep. Silvana Tabares
- **2015-05-31** Added Co-Sponsor Rep. Ann M. Williams
- **2015-05-31** Added Co-Sponsor Rep. Esther Golar
- **2015-05-31** Added Co-Sponsor Rep. Elgie R. Sims, Jr.
- **2015-06-29** Sent to the Governor `executive-receipt`
- **2015-08-17** Governor Approved `executive-signature`
- **2015-08-17** Effective Date January 1, 2016
- **2015-08-17** Public Act . . . . . . . . . 99-0373 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/72615d77-2680-45ea-b60f-48240154fcc3`. Confidence: reported (aggregated from official Illinois legislature records).