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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

2026-07-06 17:27:20 -04:00

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identifier

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Bill

COLLECTION AGENCY COERCED DEBT

Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.

us/states/il

Illinois General Assembly

104th

HB 3352

Illinois HB 3352 (104th)

bill

enacted

Kelly M. Cassidy

Kimberly A. Lightford

2025-02-07

2025-08-15

openstates

ocd-bill/9b697791-e211-46ca-87f5-d00e1da4f896

https://ilga.gov/Legislation/BillStatus?DocNum=3352&GAID=18&DocTypeID=HB&LegId=161859&SessionID=114

281e034c612fde3750c579d598bc80e547151c00ddcaaea2116b273ff9552b26

2026-07-01

https://data.openstates.org/daily/2026-07-01/public.pgdump

2026-07-06

reported

legislation

bill

us-il

Illinois HB 3352 (104th) — COLLECTION AGENCY COERCED DEBT

Version chain

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

Introduced (filed) — source
Engrossed (committee substitute) — source
House Amendment 001 (committee substitute) — source
Enrolled (enrolled) — source

Votes

Third Reading — 56–0 (pass) · upper
Financial Institutions — 8–0 (pass) · upper
Third Reading — 13–7 (pass) · lower
Third Reading — 89–23 (pass) · lower
Third Reading, Amendment 1 — 20–0 (pass) · lower

Timeline

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

2025-02-07 Filed with the Clerk by Rep. Kelly M. Cassidy filing
2025-02-14 Added Chief Co-Sponsor Rep. Nabeela Syed
2025-02-14 Added Chief Co-Sponsor Rep. Bradley Fritts
2025-02-14 Remove Chief Co-Sponsor Rep. Bradley Fritts
2025-02-18 First Reading reading-1
2025-02-18 Referred to Rules Committee
2025-03-04 Added Co-Sponsor Rep. Dagmara Avelar
2025-03-04 Added Co-Sponsor Rep. Joyce Mason
2025-03-04 Added Co-Sponsor Rep. Kevin John Olickal
2025-03-04 Added Co-Sponsor Rep. Maura Hirschauer
2025-03-06 Added Co-Sponsor Rep. Stephanie A. Kifowit
2025-03-06 Added Co-Sponsor Rep. Jennifer Gong-Gershowitz
2025-03-06 Added Co-Sponsor Rep. Jehan Gordon-Booth
2025-03-06 Added Co-Sponsor Rep. Justin Slaughter
2025-03-11 Assigned to Judiciary - Civil Committee referral-committee
2025-03-19 Do Pass / Short Debate Judiciary - Civil Committee; 013-007-000
2025-03-19 Placed on Calendar 2nd Reading - Short Debate reading-2
2025-03-26 Second Reading - Short Debate reading-2
2025-03-26 Held on Calendar Order of Second Reading - Short Debate reading-2
2025-04-07 House Floor Amendment No. 1 Filed with Clerk by Rep. Kelly M. Cassidy amendment-introduction
2025-04-07 House Floor Amendment No. 1 Referred to Rules Committee
2025-04-08 House Floor Amendment No. 1 Rules Refers to Judiciary - Civil Committee
2025-04-08 Added Co-Sponsor Rep. Diane Blair-Sherlock
2025-04-09 House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; 020-000-000 committee-passage-favorable
2025-04-09 Added Co-Sponsor Rep. Theresa Mah
2025-04-10 Added Co-Sponsor Rep. Camille Y. Lilly
2025-04-10 House Floor Amendment No. 1 Adopted amendment-passage
2025-04-10 Placed on Calendar Order of 3rd Reading - Short Debate
2025-04-10 Third Reading - Short Debate - Passed 089-023-000 passage, reading-3
2025-04-10 Added Co-Sponsor Rep. Nicolle Grasse
2025-04-10 Added Co-Sponsor Rep. Rita Mayfield
2025-04-10 Added Co-Sponsor Rep. Hoan Huynh
2025-04-14 Arrive in Senate introduction
2025-04-14 Placed on Calendar Order of First Reading reading-1
2025-04-14 Chief Senate Sponsor Sen. Kimberly A. Lightford
2025-04-14 First Reading reading-1
2025-04-14 Referred to Assignments
2025-04-23 Added Co-Sponsor Rep. Amy Briel
2025-04-29 Assigned to Financial Institutions referral-committee
2025-05-07 Added as Alternate Chief Co-Sponsor Sen. Robert Peters
2025-05-07 Added as Alternate Co-Sponsor Sen. Rachel Ventura
2025-05-07 Do Pass Financial Institutions; 008-000-000
2025-05-07 Placed on Calendar Order of 2nd Reading May 8, 2025 reading-2
2025-05-08 Second Reading reading-2
2025-05-08 Placed on Calendar Order of 3rd Reading May 13, 2025
2025-05-16 Added Co-Sponsor Rep. Thaddeus Jones
2025-05-16 Added as Alternate Co-Sponsor Sen. Celina Villanueva
2025-05-16 Added as Alternate Co-Sponsor Sen. Karina Villa
2025-05-22 Third Reading - Passed; 056-000-000 passage, reading-3
2025-05-22 Passed Both Houses
2025-05-22 Added as Alternate Co-Sponsor Sen. Adriane Johnson
2025-05-22 Added as Alternate Co-Sponsor Sen. Mary Edly-Allen
2025-05-22 Added as Alternate Co-Sponsor Sen. Willie Preston
2025-05-22 Added as Alternate Chief Co-Sponsor Sen. Sue Rezin
2025-05-22 Added as Alternate Co-Sponsor Sen. Christopher Belt
2025-05-22 Added as Alternate Co-Sponsor Sen. Steve Stadelman
2025-06-20 Sent to the Governor executive-receipt
2025-06-24 Added as Alternate Co-Sponsor Sen. Graciela Guzmán
2025-08-15 Governor Approved executive-signature
2025-08-15 Effective Date January 1, 2026
2025-08-15 Public Act . . . . . . . . . 104-0297 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/9b697791-e211-46ca-87f5-d00e1da4f896. Confidence: reported (aggregated from official Illinois legislature records).

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