republic-os/legislation/us/states/il/103rd/sb-2735.md

---
type: "Bill"
title: "INS-ELECTRONIC PAYMENT FEES"
description: "Amends the Illinois Insurance Code. Provides that no insurer, health maintenance organization, managed care plan, health care plan, preferred provider organization, or third-party administrator, or bank or payment processing company under contract with one of those entities, shall charge a provider a fee, fine, or cost for using an electronic funds transfer process, including, but not limited to, direct deposit, virtual or digital checks, or virtual credit cards, to receive payment for health care services provided to an insured. Amends the Health Maintenance Organization Act to make a conforming change. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "103rd"
identifier: "SB 2735"
citation: "Illinois SB 2735 (103rd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bob Morgan", "Laura Fine"]
version_count: 4
action_count: 36
vote_count: 5
first_action: "2024-01-12"
last_action: "2024-07-01"
source: "openstates"
source_identifier: "ocd-bill/e592cc0f-1fa2-46aa-aad8-77b7e9dc7480"
source_url: "https://beta.ilga.gov/Legislation/BillStatus?DocNum=2735&GAID=17&DocTypeID=SB&LegId=151456&SessionID=112"
source_hash: "9477f96176c9fd2e446d6ca40fe349f6559164e3157afc08b347637115e0efeb"
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 SB 2735 (103rd) — INS-ELECTRONIC PAYMENT FEES

Amends the Illinois Insurance Code. Provides that no insurer, health maintenance organization, managed care plan, health care plan, preferred provider organization, or third-party administrator, or bank or payment processing company under contract with one of those entities, shall charge a provider a fee, fine, or cost for using an electronic funds transfer process, including, but not limited to, direct deposit, virtual or digital checks, or virtual credit cards, to receive payment for health care services provided to an insured. Amends the Health Maintenance Organization Act to make a conforming change. Effective immediately.

## Version chain

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

1. **Introduced** (filed) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB2735.pdf)
2. **Engrossed** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB2735eng.pdf)
3. **Senate Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB2735sam001.pdf)
4. **Enrolled** (enrolled) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB2735enr.pdf)

## Votes

- Insurance — **8–0** (pass) · lower
- Insurance — **15–0** (pass) · lower
- Insurance — **8–0** (pass) · lower
- Third Reading — **113–0** (pass) · lower
- Third Reading — **59–0** (pass) · lower

## Sponsors

- Bob Morgan — primary (person)
- Laura Fine — primary (person)
- Anthony DeLuca — cosponsor (person)
- Camille Y. Lilly — cosponsor (person)
- Laura M. Murphy — cosponsor (person)
- Lindsey LaPointe — cosponsor (person)
- Mary Edly-Allen — cosponsor (person)
- William E Hauter — cosponsor (person)

## Timeline

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

- **2024-01-12** Filed with Secretary by Sen. Laura Fine `filing`
- **2024-01-12** First Reading `reading-1`
- **2024-01-12** Referred to Assignments
- **2024-01-31** Assigned to Insurance `referral-committee`
- **2024-03-06** Postponed - Insurance
- **2024-03-07** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Laura Fine `amendment-introduction`
- **2024-03-07** Senate Committee Amendment No. 1 Referred to Assignments
- **2024-03-12** Senate Committee Amendment No. 1 Assignments Refers to Insurance
- **2024-03-12** Senate Committee Amendment No. 1 Adopted `amendment-passage`
- **2024-03-13** Do Pass as Amended Insurance; 008-000-000
- **2024-03-13** Placed on Calendar Order of 2nd Reading March 14, 2024 `reading-2`
- **2024-03-14** Second Reading `reading-2`
- **2024-03-14** Placed on Calendar Order of 3rd Reading March 20, 2024
- **2024-04-10** Placed on Calendar Order of 3rd Reading **
- **2024-04-10** Added as Co-Sponsor Sen. Laura M. Murphy
- **2024-04-11** Added as Co-Sponsor Sen. Mary Edly-Allen
- **2024-04-12** Third Reading - Passed; 059-000-000 `passage, reading-3`
- **2024-04-12** Arrived in House `introduction`
- **2024-04-12** Chief House Sponsor Rep. Bob Morgan
- **2024-04-15** First Reading `reading-1`
- **2024-04-15** Referred to Rules Committee
- **2024-04-17** Added Alternate Chief Co-Sponsor Rep. William E Hauter
- **2024-04-24** Assigned to Insurance Committee `referral-committee`
- **2024-04-30** Added Alternate Chief Co-Sponsor Rep. Anthony DeLuca
- **2024-04-30** Do Pass / Short Debate Insurance Committee; 015-000-000
- **2024-05-01** Placed on Calendar 2nd Reading - Short Debate `reading-2`
- **2024-05-06** Second Reading - Short Debate `reading-2`
- **2024-05-06** Placed on Calendar Order of 3rd Reading - Short Debate
- **2024-05-14** Added Alternate Chief Co-Sponsor Rep. Lindsey LaPointe
- **2024-05-14** Added Alternate Co-Sponsor Rep. Camille Y. Lilly
- **2024-05-15** Third Reading - Short Debate - Passed 113-000-000 `passage, reading-3`
- **2024-05-15** Passed Both Houses
- **2024-06-13** Sent to the Governor `executive-receipt`
- **2024-07-01** Governor Approved `executive-signature`
- **2024-07-01** Effective Date January 1, 2025
- **2024-07-01** Public Act . . . . . . . . . 103-0618 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e592cc0f-1fa2-46aa-aad8-77b7e9dc7480`. Confidence: reported (aggregated from official Illinois legislature records).