Fabio
178 lines
12 KiB
Markdown
178 lines
12 KiB
Markdown
---
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type: "Bill"
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title: "FINANCIAL INSTITUTIONS-STUDY"
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description: "Amends the Illinois Community Reinvestment Act. Provides that the Secretary of Financial and Professional Regulation shall retain qualified persons to design and conduct one or more disparity studies to prepare and report findings and conclusions to the Secretary to: (1) identify and delineate geographies in Illinois exhibiting significant disparities by protected characteristics with respect to: access to financial products or services, including, but not limited to, physical branches of covered financial institutions; and lending and investments by covered financial institutions; and (2) identify policies, procedures, patterns, or practices that have or may have disparate impact or discriminatory effects. Provides that the Secretary shall implement the findings, conclusions, and other results from the study into the examination process as detailed in rule. Provides that the Secretary shall update the disparity studies at least every 4 years, but may require it to be updated more frequently at the Secretary's discretion. Provides that the Secretary may use specified fees to pay for the disparity studies, as necessary. Defines the term \"protected characteristic\". Effective immediately."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "103rd"
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identifier: "SB 3235"
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citation: "Illinois SB 3235 (103rd)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Christopher Belt", "Sonya M. Harper"]
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version_count: 8
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action_count: 85
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vote_count: 6
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first_action: "2024-02-06"
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last_action: "2024-08-09"
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source: "openstates"
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source_identifier: "ocd-bill/b00e3a8d-f675-4d17-ba9c-59f06f449325"
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source_url: "https://beta.ilga.gov/Legislation/BillStatus?DocNum=3235&GAID=17&DocTypeID=SB&LegId=152543&SessionID=112"
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source_hash: "983e2d9fb363bfac70ff1a3c5910781b6362d7f483d2b53d4ab1efb1ef221d70"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-il"]
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---
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# Illinois SB 3235 (103rd) — FINANCIAL INSTITUTIONS-STUDY
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Amends the Illinois Community Reinvestment Act. Provides that the Secretary of Financial and Professional Regulation shall retain qualified persons to design and conduct one or more disparity studies to prepare and report findings and conclusions to the Secretary to: (1) identify and delineate geographies in Illinois exhibiting significant disparities by protected characteristics with respect to: access to financial products or services, including, but not limited to, physical branches of covered financial institutions; and lending and investments by covered financial institutions; and (2) identify policies, procedures, patterns, or practices that have or may have disparate impact or discriminatory effects. Provides that the Secretary shall implement the findings, conclusions, and other results from the study into the examination process as detailed in rule. Provides that the Secretary shall update the disparity studies at least every 4 years, but may require it to be updated more frequently at the Secretary's discretion. Provides that the Secretary may use specified fees to pay for the disparity studies, as necessary. Defines the term "protected characteristic". Effective immediately.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Introduced** (filed) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235.pdf)
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2. **Engrossed** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235eng.pdf)
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3. **Senate Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235sam001.pdf)
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4. **Senate Amendment 002** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235sam002.pdf)
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5. **Senate Amendment 003** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235sam003.pdf)
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6. **Senate Amendment 004** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235sam004.pdf)
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7. **Senate Amendment 005** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235sam005.pdf)
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8. **Enrolled** (enrolled) — [source](https://beta.ilga.gov/documents/legislation/103/SB/PDF/10300SB3235enr.pdf)
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## Votes
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- Third Reading — **73–38** (pass) · lower
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- Executive, Amendment 4 — **9–2** (pass) · lower
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- Third Reading — **39–19** (pass) · lower
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- Executive — **13–0** (pass) · lower
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- Economic Opportunity & Equity — **5–3** (pass) · lower
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- Executive — **10–3** (pass) · lower
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## Sponsors
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- Christopher Belt — primary (person)
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- Sonya M. Harper — primary (person)
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- Abdelnasser Rashid — cosponsor (person)
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- Adriane Johnson — cosponsor (person)
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- Ann Gillespie — cosponsor (person)
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- Bill Cunningham — cosponsor (person)
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- Carol Ammons — cosponsor (person)
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- Cyril Nichols — cosponsor (person)
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- Debbie Meyers-Martin — cosponsor (person)
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- Emil Jones and III — cosponsor (person)
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- Javier L. Cervantes — cosponsor (person)
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- Justin Slaughter — cosponsor (person)
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- Karina Villa — cosponsor (person)
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- Kimberly A. Lightford — cosponsor (person)
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- Lakesia Collins — cosponsor (person)
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- Laura M. Murphy — cosponsor (person)
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- Linda Holmes — cosponsor (person)
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- Mark L. Walker — cosponsor (person)
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- Mary Edly-Allen — cosponsor (person)
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- Mattie Hunter — cosponsor (person)
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- Mike Simmons — cosponsor (person)
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- Napoleon Harris, III — cosponsor (person)
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- Rachel Ventura — cosponsor (person)
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- Ram Villivalam — cosponsor (person)
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- Robert Peters — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2024-02-06** Filed with Secretary by Sen. Christopher Belt `filing`
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- **2024-02-06** First Reading `reading-1`
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- **2024-02-06** Referred to Assignments
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- **2024-02-06** Added as Co-Sponsor Sen. Bill Cunningham
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- **2024-02-06** Added as Chief Co-Sponsor Sen. Karina Villa
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- **2024-02-06** Sponsor Removed Sen. Bill Cunningham
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- **2024-02-07** Added as Co-Sponsor Sen. Lakesia Collins
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- **2024-02-07** Added as Chief Co-Sponsor Sen. Bill Cunningham
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- **2024-02-07** Sponsor Removed Sen. Lakesia Collins
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- **2024-02-13** Added as Chief Co-Sponsor Sen. Lakesia Collins
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- **2024-02-14** Assigned to Executive `referral-committee`
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- **2024-02-15** Added as Co-Sponsor Sen. Robert Peters
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- **2024-02-20** Added as Co-Sponsor Sen. Ann Gillespie
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- **2024-03-05** Added as Co-Sponsor Sen. Javier L. Cervantes
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- **2024-03-06** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Christopher Belt `amendment-introduction`
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- **2024-03-06** Senate Committee Amendment No. 1 Referred to Assignments
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- **2024-03-07** Added as Co-Sponsor Sen. Adriane Johnson
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- **2024-03-07** Added as Co-Sponsor Sen. Mike Simmons
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- **2024-03-11** Added as Co-Sponsor Sen. Mattie Hunter
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- **2024-03-12** Senate Committee Amendment No. 1 Assignments Refers to Executive
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- **2024-03-13** Senate Committee Amendment No. 1 Adopted `amendment-passage`
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- **2024-03-14** Do Pass as Amended Executive; 010-003-000
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- **2024-03-14** Placed on Calendar Order of 2nd Reading March 20, 2024 `reading-2`
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- **2024-03-14** Added as Co-Sponsor Sen. Linda Holmes
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- **2024-03-14** Added as Co-Sponsor Sen. Napoleon Harris, III
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- **2024-03-18** Added as Co-Sponsor Sen. Laura M. Murphy
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- **2024-04-05** Senate Floor Amendment No. 2 Filed with Secretary by Sen. Christopher Belt `amendment-introduction`
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- **2024-04-05** Senate Floor Amendment No. 2 Referred to Assignments
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- **2024-04-05** Senate Floor Amendment No. 3 Filed with Secretary by Sen. Christopher Belt `amendment-introduction`
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- **2024-04-05** Senate Floor Amendment No. 3 Referred to Assignments
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- **2024-04-09** Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-8 (b-1), the following amendments will remain in the Committee on Assignments
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- **2024-04-09** Senate Floor Amendment No. 3 Assignments Refers to Executive
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- **2024-04-10** Second Reading `reading-2`
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- **2024-04-10** Placed on Calendar Order of 3rd Reading April 11, 2024
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- **2024-04-10** Senate Floor Amendment No. 3 Postponed - Executive
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- **2024-04-12** Added as Co-Sponsor Sen. Kimberly A. Lightford
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- **2024-04-12** Rule 2-10 Third Reading Deadline Established As April 19, 2024
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- **2024-04-15** Senate Floor Amendment No. 4 Filed with Secretary by Sen. Christopher Belt `amendment-introduction`
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- **2024-04-15** Senate Floor Amendment No. 4 Referred to Assignments
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- **2024-04-16** Senate Floor Amendment No. 4 Assignments Refers to Executive
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- **2024-04-16** Added as Co-Sponsor Sen. Mary Edly-Allen
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- **2024-04-16** Added as Co-Sponsor Sen. Ram Villivalam
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- **2024-04-16** Added as Co-Sponsor Sen. Rachel Ventura
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- **2024-04-17** Senate Floor Amendment No. 5 Filed with Secretary by Sen. Christopher Belt `amendment-introduction`
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- **2024-04-17** Senate Floor Amendment No. 5 Referred to Assignments
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- **2024-04-18** Senate Floor Amendment No. 4 Recommend Do Adopt Executive; 009-002-000
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- **2024-04-18** Senate Floor Amendment No. 5 Be Approved for Consideration Assignments
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- **2024-04-18** Added as Chief Co-Sponsor Sen. Kimberly A. Lightford
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- **2024-04-18** Recalled to Second Reading `reading-2`
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- **2024-04-18** Senate Floor Amendment No. 2 Tabled Pursuant to Rule 5-4a `amendment-failure`
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- **2024-04-18** Senate Floor Amendment No. 3 Tabled Pursuant to Rule 5-4a `amendment-failure`
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- **2024-04-18** Senate Floor Amendment No. 4 Adopted `amendment-passage`
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- **2024-04-18** Senate Floor Amendment No. 5 Adopted `amendment-passage`
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- **2024-04-18** Placed on Calendar Order of 3rd Reading
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- **2024-04-18** Third Reading - Passed; 039-019-000 `passage, reading-3`
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- **2024-04-18** Arrived in House `introduction`
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- **2024-04-18** Chief House Sponsor Rep. Mark L. Walker
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- **2024-04-18** First Reading `reading-1`
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- **2024-04-18** Referred to Rules Committee
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- **2024-04-18** Alternate Chief Sponsor Removed Rep. Mark L. Walker
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- **2024-04-19** Added Alternate Chief Co-Sponsor Rep. Sonya M. Harper
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- **2024-04-19** Alternate Chief Co-Sponsor Removed Rep. Sonya M. Harper
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- **2024-04-30** Assigned to Economic Opportunity & Equity Committee `referral-committee`
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- **2024-04-30** Committee Deadline Extended-Rule 9(b) May 10, 2024
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- **2024-04-30** Chief House Sponsor Rep. Sonya M. Harper
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- **2024-04-30** Added Alternate Chief Co-Sponsor Rep. Mark L. Walker
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- **2024-05-02** Added Alternate Chief Co-Sponsor Rep. Debbie Meyers-Martin
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- **2024-05-02** Added Alternate Chief Co-Sponsor Rep. Carol Ammons
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- **2024-05-02** Added Alternate Chief Co-Sponsor Rep. Abdelnasser Rashid
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- **2024-05-02** Alternate Chief Co-Sponsor Removed Rep. Carol Ammons
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- **2024-05-02** Added Alternate Chief Co-Sponsor Rep. Justin Slaughter
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- **2024-05-02** Added Alternate Co-Sponsor Rep. Carol Ammons
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- **2024-05-02** Added Alternate Co-Sponsor Rep. Cyril Nichols
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- **2024-05-08** Do Pass / Short Debate Economic Opportunity & Equity Committee; 005-003-000
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- **2024-05-09** Placed on Calendar 2nd Reading - Short Debate `reading-2`
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- **2024-05-13** Second Reading - Short Debate `reading-2`
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- **2024-05-13** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2024-05-14** Added as Co-Sponsor Sen. Emil Jones, III
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- **2024-05-17** Third Reading/Final Action Deadline Extended-9(b) May 24, 2024
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- **2024-05-23** Third Reading - Short Debate - Passed 073-038-000 `passage, reading-3`
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- **2024-05-23** Passed Both Houses
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- **2024-06-21** Sent to the Governor `executive-receipt`
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- **2024-08-09** Governor Approved `executive-signature`
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- **2024-08-09** Effective Date January 1, 2025
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- **2024-08-09** Public Act . . . . . . . . . 103-0959 `became-law`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b00e3a8d-f675-4d17-ba9c-59f06f449325`. Confidence: reported (aggregated from official Illinois legislature records).
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