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Fabio 5941153bb7 Legislation: batch B — IL IN KS KY LA MA MD ME MI MN 
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 17:27:20 -04:00

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---
type: "Bill"
title: "CREDIT FREEZE-NO FEE ALLOWED"
description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a consumer reporting agency may not impose a charge on a consumer for placing a freeze, removing a freeze, or temporarily lifting a freeze. Makes corresponding changes. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "100th"
identifier: "HB 4095"
citation: "Illinois HB 4095 (100th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 117
vote_count: 2
first_action: "2017-09-12"
last_action: "2018-06-08"
source: "openstates"
source_identifier: "ocd-bill/e1184c17-455c-438d-a3f3-f98f0fed956c"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=4095&GAID=14&DocTypeID=HB&LegId=107863&SessionID=91&GA=100"
source_hash: "73ea66c19b9afdd30b48c000ebc7970c2c17d9552fe16628917be07b7fe174b7"
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 4095 (100th) — CREDIT FREEZE-NO FEE ALLOWED
Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a consumer reporting agency may not impose a charge on a consumer for placing a freeze, removing a freeze, or temporarily lifting a freeze. Makes corresponding changes. 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=10000HB4095&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4095eng&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=10000HB4095enr&GA=100&SessionId=91&DocTypeId=HB&LegID=107863&DocNum=4095&GAID=14&Session=&print=true)
## Votes
- Third Reading — **109–0** (pass) · lower
- Third Reading — **56–0** (pass) · upper
## Sponsors
- Andy Manar — cosponsor (person)
- Chapin Rose — cosponsor (person)
- Cristina Castro — cosponsor (person)
- Dale Fowler — cosponsor (person)
- Dan McConchie — cosponsor (person)
- David Koehler — cosponsor (person)
- Elgie R. Sims, Jr. — cosponsor (person)
- Gregory Harris — primary (person)
- Ira I. Silverstein — cosponsor (person)
- Iris Y. Martinez — cosponsor (person)
- Jennifer Bertino-Tarrant — cosponsor (person)
- Kimberly A. Lightford — cosponsor (person)
- Laura M. Murphy — cosponsor (person)
- Linda Holmes — cosponsor (person)
- Mattie Hunter — cosponsor (person)
- Michael Connelly — cosponsor (person)
- Neil Anderson — cosponsor (person)
- Omar Aquino — cosponsor (person)
- Pamela J. Althoff — cosponsor (person)
- Paul Schimpf — cosponsor (person)
- Scott M. Bennett — cosponsor (person)
- Steve Stadelman — cosponsor (person)
- Steven M. Landek — cosponsor (person)
- Thomas Cullerton — cosponsor (person)
- William R. Haine — cosponsor (person)
- Wm. Sam McCann — cosponsor (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2017-09-12** Filed with the Clerk by Rep. Gregory Harris `filing`
- **2017-09-13** Added Chief Co-Sponsor Rep. Natalie A. Manley
- **2017-09-13** Added Chief Co-Sponsor Rep. Litesa E. Wallace
- **2017-09-14** Added Co-Sponsor Rep. Michelle Mussman
- **2017-09-14** Added Co-Sponsor Rep. Barbara Flynn Currie
- **2017-09-14** Added Co-Sponsor Rep. Sonya M. Harper
- **2017-09-14** Added Co-Sponsor Rep. Daniel J. Burke
- **2017-09-14** Added Co-Sponsor Rep. Sue Scherer
- **2017-09-14** Added Co-Sponsor Rep. Camille Y. Lilly
- **2017-09-14** Added Co-Sponsor Rep. Sara Feigenholtz
- **2017-09-14** Added Co-Sponsor Rep. Katie Stuart
- **2017-09-14** Added Co-Sponsor Rep. John Connor
- **2017-09-14** Added Co-Sponsor Rep. Sam Yingling
- **2017-09-14** Added Co-Sponsor Rep. Deb Conroy
- **2017-09-14** Added Co-Sponsor Rep. Linda Chapa LaVia
- **2017-09-14** Added Co-Sponsor Rep. Jaime M. Andrade, Jr.
- **2017-09-14** Added Co-Sponsor Rep. Jay Hoffman
- **2017-09-14** Added Co-Sponsor Rep. Emanuel Chris Welch
- **2017-09-15** Added Co-Sponsor Rep. Silvana Tabares
- **2017-09-15** Added Co-Sponsor Rep. Kelly M. Burke
- **2017-09-15** Added Co-Sponsor Rep. Lawrence Walsh, Jr.
- **2017-09-15** Added Co-Sponsor Rep. Stephanie A. Kifowit
- **2017-09-15** Added Co-Sponsor Rep. Melissa Conyears-Ervin
- **2017-09-15** Added Chief Co-Sponsor Rep. Will Guzzardi
- **2017-09-18** Added Co-Sponsor Rep. Kathleen Willis
- **2017-09-18** Added Co-Sponsor Rep. Margo McDermed
- **2017-09-18** Added Co-Sponsor Rep. Mary E. Flowers
- **2017-09-19** Added Co-Sponsor Rep. Anna Moeller
- **2017-09-19** Added Co-Sponsor Rep. Michael Halpin
- **2017-09-19** Added Co-Sponsor Rep. Elizabeth Hernandez
- **2017-09-19** Added Co-Sponsor Rep. Fred Crespo
- **2017-09-20** Added Co-Sponsor Rep. John C. D'Amico
- **2017-09-21** Added Co-Sponsor Rep. Frances Ann Hurley
- **2017-09-21** Added Chief Co-Sponsor Rep. Elizabeth Hernandez
- **2017-09-21** Removed Co-Sponsor Rep. Elizabeth Hernandez
- **2017-09-21** Added Co-Sponsor Rep. Daniel V. Beiser
- **2017-09-28** Added Co-Sponsor Rep. Barbara Wheeler
- **2017-10-03** Added Co-Sponsor Rep. Ann M. Williams
- **2017-10-06** Added Co-Sponsor Rep. Juliana Stratton
- **2017-10-06** Removed Co-Sponsor Rep. Juliana Stratton
- **2017-10-10** Remove Chief Co-Sponsor Rep. Elizabeth Hernandez
- **2017-10-10** Added Co-Sponsor Rep. Elizabeth Hernandez
- **2017-10-10** Added Chief Co-Sponsor Rep. Juliana Stratton
- **2017-10-12** First Reading `reading-1`
- **2017-10-12** Referred to Rules Committee `referral-committee`
- **2017-10-12** Added Co-Sponsor Rep. Jonathan Carroll
- **2017-10-16** Added Co-Sponsor Rep. Robyn Gabel
- **2017-10-17** Assigned to Judiciary - Civil Committee `referral-committee`
- **2017-10-20** Added Co-Sponsor Rep. La Shawn K. Ford
- **2017-10-20** Added Co-Sponsor Rep. Laura Fine
- **2017-10-20** Added Co-Sponsor Rep. Rita Mayfield
- **2017-10-24** House Committee Amendment No. 1 Filed with Clerk by Rep. Gregory Harris `amendment-introduction`
- **2017-10-24** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2017-10-24** Added Co-Sponsor Rep. Marcus C. Evans, Jr.
- **2017-10-24** Added Co-Sponsor Rep. Robert Rita
- **2017-10-24** House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee
- **2017-10-25** House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote `amendment-passage`
- **2017-10-25** Do Pass as Amended / Short Debate Judiciary - Civil Committee; 008-000-000 `committee-passage`
- **2017-10-25** Placed on Calendar 2nd Reading - Short Debate
- **2017-10-25** Second Reading - Short Debate `reading-2`
- **2017-10-25** Placed on Calendar Order of 3rd Reading - Short Debate
- **2017-10-25** Remove Chief Co-Sponsor Rep. Natalie A. Manley
- **2017-10-25** Added Co-Sponsor Rep. Natalie A. Manley
- **2017-10-25** Added Chief Co-Sponsor Rep. Peter Breen
- **2017-10-25** Added Co-Sponsor Rep. Carol Sente
- **2017-10-26** 3/5 Vote Required
- **2017-10-26** Third Reading - Short Debate - Passed 109-000-000 `reading-3, passage`
- **2017-10-26** Added Co-Sponsor Rep. Ryan Spain
- **2017-10-26** Added Co-Sponsor Rep. Jerry Lee Long
- **2017-10-26** Added Co-Sponsor Rep. Scott Drury
- **2017-10-26** Added Co-Sponsor Rep. Robert Martwick
- **2017-10-26** Added Co-Sponsor Rep. David S. Olsen
- **2017-10-26** Added Co-Sponsor Rep. Elgie R. Sims, Jr.
- **2017-11-01** Arrive in Senate `introduction`
- **2017-11-01** Placed on Calendar Order of First Reading `reading-1`
- **2017-11-01** Chief Senate Sponsor Sen. Bill Cunningham
- **2017-11-01** First Reading `reading-1`
- **2017-11-01** Referred to Assignments `referral-committee`
- **2017-11-01** Added as Alternate Co-Sponsor Sen. Steve Stadelman
- **2017-11-01** Added as Alternate Co-Sponsor Sen. Thomas Cullerton
- **2017-11-07** Added as Alternate Chief Co-Sponsor Sen. Michael E. Hastings
- **2017-11-07** Added as Alternate Chief Co-Sponsor Sen. Daniel Biss
- **2017-11-07** Added as Alternate Co-Sponsor Sen. Neil Anderson
- **2017-11-07** Added as Alternate Co-Sponsor Sen. Michael Connelly
- **2017-11-08** Added as Alternate Co-Sponsor Sen. Paul Schimpf
- **2017-11-08** Added as Alternate Co-Sponsor Sen. Dan McConchie
- **2017-11-08** Added as Alternate Co-Sponsor Sen. Dale Fowler
- **2018-01-04** Added as Alternate Co-Sponsor Sen. Chapin Rose
- **2018-01-30** Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford
- **2018-02-14** Assigned to Financial Institutions `referral-committee`
- **2018-02-14** Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2018-02-20** Added as Alternate Co-Sponsor Sen. Cristina Castro
- **2018-02-21** Do Pass Financial Institutions; 007-000-000 `committee-passage`
- **2018-02-21** Placed on Calendar Order of 2nd Reading February 22, 2018
- **2018-02-21** Added as Alternate Co-Sponsor Sen. Linda Holmes
- **2018-02-21** Added as Alternate Co-Sponsor Sen. Andy Manar
- **2018-02-21** Added as Alternate Co-Sponsor Sen. Ira I. Silverstein
- **2018-02-21** Added as Alternate Co-Sponsor Sen. Scott M. Bennett
- **2018-02-21** Added as Alternate Co-Sponsor Sen. William R. Haine
- **2018-02-22** Added as Alternate Co-Sponsor Sen. Laura M. Murphy
- **2018-02-22** Added as Alternate Co-Sponsor Sen. Jennifer Bertino-Tarrant
- **2018-02-22** Added as Alternate Co-Sponsor Sen. David Koehler
- **2018-02-22** Added as Alternate Co-Sponsor Sen. Wm. Sam McCann
- **2018-02-23** Added as Alternate Co-Sponsor Sen. Mattie Hunter
- **2018-02-27** Added as Alternate Co-Sponsor Sen. Iris Y. Martinez
- **2018-03-01** Added as Alternate Co-Sponsor Sen. Steven M. Landek
- **2018-03-01** Added as Alternate Co-Sponsor Sen. Omar Aquino
- **2018-03-02** Added as Alternate Co-Sponsor Sen. Pamela J. Althoff
- **2018-03-13** Second Reading `reading-2`
- **2018-03-13** Placed on Calendar Order of 3rd Reading March 14, 2018
- **2018-03-14** Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.
- **2018-03-14** Third Reading - Passed; 056-000-000 `reading-3, passage`
- **2018-03-14** Passed Both Houses
- **2018-04-12** Sent to the Governor `executive-receipt`
- **2018-06-08** Governor Approved `executive-signature`
- **2018-06-08** Effective Date June 8, 2018
- **2018-06-08** Public Act . . . . . . . . . 100-0589 `became-law`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e1184c17-455c-438d-a3f3-f98f0fed956c`. Confidence: reported (aggregated from official Illinois legislature records).
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