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type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags
type title description jurisdiction legislature session identifier citation classification subjects status primary_sponsors version_count action_count vote_count first_action last_action source source_identifier source_url source_hash vintage source_snapshot retrieved_at confidence tags
Bill KNOW BEFORE YOU OWE ED LOANS Creates the Know Before You Owe Private Education Loan Act. Requires private educational lenders to obtain from the relevant institution of higher education at which the borrower will use the loan proceeds certifications regarding cost, enrollment status of the borrower, and financial assistance available to the borrower. Provides that private educational lenders must file reports with the Department of Financial and Professional Regulation and the Student Loan Ombudsman. Provides that loan statements must be provided not less frequently than quarterly. Requires institutions of higher education to certify compliance with provisions of the Act to the Board of Higher Education or Illinois Community College Board as a condition to operate. Defines terms. Effective immediately. us/states/il Illinois General Assembly 102nd HB 2746 Illinois HB 2746 (102nd)
bill
enacted
Katie Stuart
Scott M. Bennett
6 100 3 2021-02-18 2021-08-26 openstates ocd-bill/38460cab-eef4-4c7f-aeb9-105abc3b0564 https://ilga.gov/legislation/BillStatus.asp?DocNum=2746&GAID=16&DocTypeID=HB&LegId=131590&SessionID=110&GA=102 3267555ab9207b5ee8da1431f0501cac5ffd56d1efa9f85fb6ffd80de99a3ae6 2026-07-01 https://data.openstates.org/daily/2026-07-01/public.pgdump 2026-07-06 reported
legislation
bill
us-il

Illinois HB 2746 (102nd) — KNOW BEFORE YOU OWE ED LOANS

Creates the Know Before You Owe Private Education Loan Act. Requires private educational lenders to obtain from the relevant institution of higher education at which the borrower will use the loan proceeds certifications regarding cost, enrollment status of the borrower, and financial assistance available to the borrower. Provides that private educational lenders must file reports with the Department of Financial and Professional Regulation and the Student Loan Ombudsman. Provides that loan statements must be provided not less frequently than quarterly. Requires institutions of higher education to certify compliance with provisions of the Act to the Board of Higher Education or Illinois Community College Board as a condition to operate. Defines terms. Effective immediately.

Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

  1. Introduced (filed) — source
  2. Engrossed (committee substitute) — source
  3. House Amendment 001 (committee substitute) — source
  4. House Amendment 002 (committee substitute) — source
  5. Senate Amendment 001 (committee substitute) — source
  6. Enrolled (enrolled) — source

Votes

  • Third Reading — 580 (pass) · upper
  • Third Reading — 1130 (pass) · lower
  • Concurrence — 1170 (pass) · lower

Sponsors

  • Katie Stuart — primary (person)
  • Scott M. Bennett — primary (person)
  • Aaron M. Ortiz — cosponsor (person)
  • Adriane Johnson — cosponsor (person)
  • Angelica Guerrero-Cuellar — cosponsor (person)
  • Anna Moeller — cosponsor (person)
  • Anne Stava-Murray — cosponsor (person)
  • Barbara Hernandez — cosponsor (person)
  • Bob Morgan — cosponsor (person)
  • Camille Y. Lilly — cosponsor (person)
  • Carol Ammons — cosponsor (person)
  • Celina Villanueva — cosponsor (person)
  • Craig Wilcox — cosponsor (person)
  • Cristina Castro — cosponsor (person)
  • Dagmara Avelar — cosponsor (person)
  • Dan McConchie — cosponsor (person)
  • Daniel Didech — cosponsor (person)
  • Dave Syverson — cosponsor (person)
  • David Koehler — cosponsor (person)
  • Donald P. DeWitte — cosponsor (person)
  • Doris Turner — cosponsor (person)
  • Edgar Gonzalez, Jr. — cosponsor (person)
  • Elizabeth Hernandez — cosponsor (person)
  • Frances Ann Hurley — cosponsor (person)
  • Jason A. Barickman — cosponsor (person)
  • John Connor — cosponsor (person)
  • John F. Curran — cosponsor (person)
  • Jonathan Carroll — cosponsor (person)
  • Joyce Mason — cosponsor (person)
  • Julie A. Morrison — cosponsor (person)
  • Kambium Buckner — cosponsor (person)
  • Kelly M. Cassidy — cosponsor (person)
  • Kimberly A. Lightford — cosponsor (person)
  • LaToya Greenwood — cosponsor (person)
  • Lamont J. Robinson, Jr. — cosponsor (person)
  • Laura Fine — cosponsor (person)
  • Laura M. Murphy — cosponsor (person)
  • Linda Holmes — cosponsor (person)
  • Mattie Hunter — cosponsor (person)
  • Maura Hirschauer — cosponsor (person)
  • Maurice A. West, II — cosponsor (person)
  • Meg Loughran Cappel — cosponsor (person)
  • Michelle Mussman — cosponsor (person)
  • Patricia Van Pelt — cosponsor (person)
  • Ram Villivalam — cosponsor (person)
  • Robert Peters — cosponsor (person)
  • Sally J. Turner — cosponsor (person)
  • Sam Yingling — cosponsor (person)
  • Sara Feigenholtz — cosponsor (person)
  • Steve Stadelman — cosponsor (person)
  • Sue Rezin — cosponsor (person)
  • Sue Scherer — cosponsor (person)
  • Theresa Mah — cosponsor (person)
  • Will Guzzardi — cosponsor (person)

Timeline

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

  • 2021-02-18 Filed with the Clerk by Rep. Katie Stuart filing
  • 2021-02-19 Added Co-Sponsor Rep. Kambium Buckner
  • 2021-02-19 First Reading reading-1
  • 2021-02-19 Referred to Rules Committee referral-committee
  • 2021-02-24 Added Co-Sponsor Rep. Maura Hirschauer
  • 2021-02-24 Added Co-Sponsor Rep. Carol Ammons
  • 2021-02-24 Added Co-Sponsor Rep. Sue Scherer
  • 2021-02-24 Added Co-Sponsor Rep. Edgar Gonzalez, Jr.
  • 2021-02-24 Added Co-Sponsor Rep. Maurice A. West, II
  • 2021-02-24 Removed Co-Sponsor Rep. Maurice A. West, II
  • 2021-02-26 Added Chief Co-Sponsor Rep. Maurice A. West, II
  • 2021-03-09 Assigned to Higher Education Committee referral-committee
  • 2021-03-18 Do Pass / Consent Calendar Higher Education Committee; 010-000-000 committee-passage
  • 2021-03-18 House Committee Amendment No. 1 Filed with Clerk by Rep. Katie Stuart amendment-introduction
  • 2021-03-18 House Committee Amendment No. 1 Referred to Rules Committee referral-committee
  • 2021-03-23 House Committee Amendment No. 1 Tabled Pursuant to Rule 40 amendment-failure
  • 2021-03-23 Added Co-Sponsor Rep. Elizabeth Hernandez
  • 2021-04-08 Placed on Calendar 2nd Reading - Consent Calendar
  • 2021-04-13 House Floor Amendment No. 2 Filed with Clerk by Rep. Katie Stuart amendment-introduction
  • 2021-04-13 House Floor Amendment No. 2 Referred to Rules Committee referral-committee
  • 2021-04-14 House Floor Amendment No. 2 Recommends Be Adopted Rules Committee; 004-000-000 committee-passage-favorable
  • 2021-04-14 Removed from Consent Calendar Status Rep. Greg Harris
  • 2021-04-14 Placed on Calendar 2nd Reading - Short Debate
  • 2021-04-20 Added Co-Sponsor Rep. Will Guzzardi
  • 2021-04-20 Added Co-Sponsor Rep. Jonathan Carroll
  • 2021-04-20 Added Co-Sponsor Rep. Barbara Hernandez
  • 2021-04-20 Added Co-Sponsor Rep. Bob Morgan
  • 2021-04-20 Added Co-Sponsor Rep. Anne Stava-Murray
  • 2021-04-20 Added Co-Sponsor Rep. Joyce Mason
  • 2021-04-21 Added Co-Sponsor Rep. Kelly M. Cassidy
  • 2021-04-21 Added Co-Sponsor Rep. Michelle Mussman
  • 2021-04-21 Added Chief Co-Sponsor Rep. Frances Ann Hurley
  • 2021-04-21 Added Chief Co-Sponsor Rep. LaToya Greenwood
  • 2021-04-21 Added Chief Co-Sponsor Rep. Aaron M. Ortiz
  • 2021-04-21 Second Reading - Short Debate reading-2
  • 2021-04-21 House Floor Amendment No. 2 Adopted amendment-passage
  • 2021-04-21 Placed on Calendar Order of 3rd Reading - Short Debate
  • 2021-04-22 Added Co-Sponsor Rep. Daniel Didech
  • 2021-04-22 Added Co-Sponsor Rep. Theresa Mah
  • 2021-04-22 Third Reading - Short Debate - Passed 113-000-001 passage, reading-3
  • 2021-04-22 Added Co-Sponsor Rep. Angelica Guerrero-Cuellar
  • 2021-04-22 Added Co-Sponsor Rep. Anna Moeller
  • 2021-04-22 Added Co-Sponsor Rep. Sam Yingling
  • 2021-04-22 Added Co-Sponsor Rep. Camille Y. Lilly
  • 2021-04-23 Arrive in Senate introduction
  • 2021-04-23 Placed on Calendar Order of First Reading reading-1
  • 2021-04-23 Chief Senate Sponsor Sen. Scott M. Bennett
  • 2021-04-23 First Reading reading-1
  • 2021-04-23 Referred to Assignments referral-committee
  • 2021-04-27 Added as Alternate Co-Sponsor Sen. Ram Villivalam
  • 2021-04-27 Added as Alternate Chief Co-Sponsor Sen. Cristina Castro
  • 2021-04-27 Added as Alternate Co-Sponsor Sen. Steve Stadelman
  • 2021-04-27 Added as Alternate Co-Sponsor Sen. David Koehler
  • 2021-04-27 Added as Alternate Co-Sponsor Sen. Robert Peters
  • 2021-04-27 Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford
  • 2021-04-28 Added as Alternate Co-Sponsor Sen. John Connor
  • 2021-04-28 Added as Alternate Co-Sponsor Sen. Sara Feigenholtz
  • 2021-04-28 Added as Alternate Co-Sponsor Sen. Linda Holmes
  • 2021-05-05 Added as Alternate Co-Sponsor Sen. Celina Villanueva
  • 2021-05-11 Assigned to Higher Education referral-committee
  • 2021-05-11 Senate Committee Amendment No. 1 Filed with Secretary by Sen. Scott M. Bennett amendment-introduction
  • 2021-05-11 Senate Committee Amendment No. 1 Referred to Assignments referral-committee
  • 2021-05-13 Added as Alternate Co-Sponsor Sen. Julie A. Morrison
  • 2021-05-13 Added as Alternate Co-Sponsor Sen. Mattie Hunter
  • 2021-05-13 Added as Alternate Co-Sponsor Sen. Adriane Johnson
  • 2021-05-13 Added as Alternate Co-Sponsor Sen. Doris Turner
  • 2021-05-13 Added as Alternate Co-Sponsor Sen. Meg Loughran Cappel
  • 2021-05-14 Senate Committee Amendment No. 1 Assignments Refers to Higher Education
  • 2021-05-18 Senate Committee Amendment No. 1 Adopted amendment-passage
  • 2021-05-19 Do Pass as Amended Higher Education; 011-000-000 committee-passage
  • 2021-05-19 Placed on Calendar Order of 2nd Reading May 20, 2021
  • 2021-05-21 Second Reading reading-2
  • 2021-05-21 Placed on Calendar Order of 3rd Reading May 24, 2021
  • 2021-05-26 Added as Alternate Chief Co-Sponsor Sen. Patricia Van Pelt
  • 2021-05-28 Added as Alternate Co-Sponsor Sen. Laura Fine
  • 2021-05-28 Third Reading - Passed; 058-000-000 passage, reading-3
  • 2021-05-28 Arrived in House introduction
  • 2021-05-28 Placed on Calendar Order of Concurrence Senate Amendment(s) 1
  • 2021-05-28 Senate Committee Amendment No. 1 Motion Filed Concur Rep. Katie Stuart
  • 2021-05-28 Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee referral-committee
  • 2021-05-28 Added as Alternate Co-Sponsor Sen. Laura M. Murphy
  • 2021-05-29 Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Higher Education Committee referral-committee
  • 2021-05-30 Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Higher Education Committee; 010-000-000
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Sue Rezin
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Donald P. DeWitte
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. John F. Curran
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Craig Wilcox
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Sally J. Turner
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Dave Syverson
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Jason A. Barickman
  • 2021-05-30 Added as Alternate Co-Sponsor Sen. Dan McConchie
  • 2021-05-31 Senate Committee Amendment No. 1 House Concurs 117-000-001
  • 2021-05-31 House Concurs
  • 2021-05-31 Passed Both Houses
  • 2021-05-31 Added Co-Sponsor Rep. Lamont J. Robinson, Jr.
  • 2021-05-31 Added Co-Sponsor Rep. Dagmara Avelar
  • 2021-06-29 Sent to the Governor executive-receipt
  • 2021-08-26 Governor Approved executive-signature
  • 2021-08-26 Effective Date August 26, 2021
  • 2021-08-26 Public Act . . . . . . . . . 102-0583 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/38460cab-eef4-4c7f-aeb9-105abc3b0564. Confidence: reported (aggregated from official Illinois legislature records).