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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, 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 BUY-NOW-PAY-LATER ACT Creates the Buy-Now-Pay-Later Loan Regulation Act. Provides that it is unlawful for a person to act as a buy-now-pay-later lender unless the person registers with the Division of Financial Institutions of the Department of Financial and Professional Regulation. Sets forth requirements for registration; duties and powers of the Secretary of Financial and Professional Regulation; and administrative procedures. Provides that a buy-now-pay-lender shall provide specified disclosures to recipients. Provides that a violation of the Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. Amends the Consumer Fraud and Deceptive Business Practices Act to make a conforming change. us/states/il Illinois General Assembly 104th SB 3561 Illinois SB 3561 (104th)
bill
enacted
Michael E. Hastings
Robert "Bob" Rita
7 68 7 2026-02-05 2026-06-25 openstates ocd-bill/07cfa0af-bcda-4c57-a739-49bca56599a7 https://ilga.gov/Legislation/BillStatus?DocNum=3561&GAID=18&DocTypeID=SB&LegId=166611&SessionID=114 42f5c8997f5a1a2bdba073f6a8106525b0c3547da961ca3d4938648dfb2e3321 2026-07-01 https://data.openstates.org/daily/2026-07-01/public.pgdump 2026-07-06 reported
legislation
bill
us-il

Illinois SB 3561 (104th) — BUY-NOW-PAY-LATER ACT

Creates the Buy-Now-Pay-Later Loan Regulation Act. Provides that it is unlawful for a person to act as a buy-now-pay-later lender unless the person registers with the Division of Financial Institutions of the Department of Financial and Professional Regulation. Sets forth requirements for registration; duties and powers of the Secretary of Financial and Professional Regulation; and administrative procedures. Provides that a buy-now-pay-lender shall provide specified disclosures to recipients. Provides that a violation of the Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. Amends the Consumer Fraud and Deceptive Business Practices Act to make a conforming change.

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. Senate Amendment 001 (committee substitute) — source
  4. Senate Amendment 002 (committee substitute) — source
  5. Senate Amendment 003 (committee substitute) — source
  6. Senate Amendment 004 (committee substitute) — source
  7. Enrolled (enrolled) — source

Votes

  • Judiciary — 9–0 (pass) · upper
  • Judiciary, Amendment 3 — 8–0 (pass) · upper
  • Judiciary — 9–0 (pass) · upper
  • Third Reading — 116–0 (pass) · lower
  • Third Reading — 56–0 (pass) · upper
  • Judiciary, Amendment 4 — 8–0 (pass) · upper
  • Third Reading — 19–0 (pass) · lower

Sponsors

  • Michael E. Hastings — primary (person)
  • Robert "Bob" Rita — primary (person)
  • Adriane Johnson — cosponsor (person)
  • Christopher Belt — cosponsor (person)
  • Cristina Castro — cosponsor (person)
  • Doris Turner — cosponsor (person)
  • Graciela Guzmán — cosponsor (person)
  • Mattie Hunter — cosponsor (person)
  • Meg Loughran Cappel — cosponsor (person)
  • Michael W. Halpin — cosponsor (person)
  • Steve Stadelman — cosponsor (person)
  • Suzy Glowiak Hilton — cosponsor (person)

Timeline

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

  • 2026-02-05 Filed with Secretary by Sen. Michael E. Hastings filing
  • 2026-02-05 First Reading reading-1
  • 2026-02-05 Referred to Assignments
  • 2026-02-17 Assigned to Judiciary referral-committee
  • 2026-03-09 Senate Committee Amendment No. 1 Filed with Secretary by Sen. Michael E. Hastings amendment-introduction
  • 2026-03-09 Senate Committee Amendment No. 1 Referred to Assignments
  • 2026-03-10 Senate Committee Amendment No. 1 Assignments Refers to Judiciary
  • 2026-03-11 Senate Committee Amendment No. 1 Adopted amendment-passage
  • 2026-03-11 Do Pass as Amended Judiciary; 009-000-000
  • 2026-03-11 Placed on Calendar Order of 2nd Reading March 12, 2026 reading-2
  • 2026-03-13 Added as Co-Sponsor Sen. Michael W. Halpin
  • 2026-03-17 Added as Chief Co-Sponsor Sen. Christopher Belt
  • 2026-03-20 Added as Chief Co-Sponsor Sen. Suzy Glowiak Hilton
  • 2026-03-24 Added as Co-Sponsor Sen. Cristina Castro
  • 2026-03-25 Added as Co-Sponsor Sen. Mattie Hunter
  • 2026-03-26 Added as Co-Sponsor Sen. Doris Turner
  • 2026-03-27 Added as Co-Sponsor Sen. Graciela Guzmán
  • 2026-03-31 Added as Co-Sponsor Sen. Adriane Johnson
  • 2026-04-13 Senate Floor Amendment No. 2 Filed with Secretary by Sen. Michael E. Hastings amendment-introduction
  • 2026-04-13 Senate Floor Amendment No. 2 Referred to Assignments
  • 2026-04-14 Senate Floor Amendment No. 2 Assignments Refers to Judiciary
  • 2026-04-15 Senate Floor Amendment No. 2 Postponed - Judiciary
  • 2026-04-17 Rule 2-10 Third Reading Deadline Established As May 8, 2026
  • 2026-04-28 Second Reading reading-2
  • 2026-04-28 Placed on Calendar Order of 3rd Reading April 29, 2026
  • 2026-05-07 Added as Co-Sponsor Sen. Steve Stadelman
  • 2026-05-08 Rule 2-10 Third Reading Deadline Established As May 15, 2026
  • 2026-05-15 Senate Floor Amendment No. 3 Filed with Secretary by Sen. Michael E. Hastings amendment-introduction
  • 2026-05-15 Senate Floor Amendment No. 3 Referred to Assignments
  • 2026-05-15 Rule 3-9(a) / Re-referred to Assignments
  • 2026-05-19 Rule 2-10 Committee/3rd Reading Deadline Established As May 22, 2026
  • 2026-05-19 Approved for Consideration Assignments
  • 2026-05-19 Placed on Calendar Order of 3rd Reading May 20, 2026
  • 2026-05-19 Senate Floor Amendment No. 3 Assignments Refers to Judiciary
  • 2026-05-20 Senate Floor Amendment No. 4 Filed with Secretary by Sen. Michael E. Hastings amendment-introduction
  • 2026-05-20 Senate Floor Amendment No. 4 Referred to Assignments
  • 2026-05-20 Senate Floor Amendment No. 4 Assignments Refers to Judiciary
  • 2026-05-20 Senate Floor Amendment No. 2 Postponed - Judiciary
  • 2026-05-20 Senate Floor Amendment No. 3 Recommend Do Adopt Judiciary; 008-000-000
  • 2026-05-20 Senate Floor Amendment No. 4 Recommend Do Adopt Judiciary; 008-000-000
  • 2026-05-21 Recalled to Second Reading reading-2
  • 2026-05-21 Senate Floor Amendment No. 3 Adopted; Hastings amendment-passage
  • 2026-05-21 Senate Floor Amendment No. 4 Adopted; Hastings amendment-passage
  • 2026-05-21 Placed on Calendar Order of 3rd Reading
  • 2026-05-21 Third Reading - Passed; 056-000-000 passage, reading-3
  • 2026-05-21 Senate Floor Amendment No. 2 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2026-05-21 Added as Co-Sponsor Sen. Meg Loughran Cappel
  • 2026-05-21 Arrived in House introduction
  • 2026-05-21 Chief House Sponsor Rep. Robert "Bob" Rita
  • 2026-05-21 First Reading reading-1
  • 2026-05-21 Referred to Rules Committee
  • 2026-05-21 Assigned to Judiciary - Civil Committee referral-committee
  • 2026-05-21 Committee/Final Action Deadline Extended-9(b) May 31, 2026
  • 2026-05-25 Moved to Suspend Rule 21 Rep. Elizabeth "Lisa" Hernandez
  • 2026-05-25 Suspend Rule 21 - Prevailed 066-029-000
  • 2026-05-27 Do Pass / Short Debate Judiciary - Civil Committee; 019-000-000
  • 2026-05-27 Placed on Calendar 2nd Reading - Short Debate reading-2
  • 2026-05-27 Second Reading - Short Debate reading-2
  • 2026-05-27 Held on Calendar Order of Second Reading - Short Debate reading-2
  • 2026-05-31 Placed on Calendar Order of 3rd Reading - Short Debate
  • 2026-05-31 Third Reading/Final Action Deadline Extended-9(b) June 2, 2026
  • 2026-06-01 3/5 Vote Required
  • 2026-06-01 Third Reading - Short Debate - Passed 116-000-000 passage, reading-3
  • 2026-06-01 Passed Both Houses
  • 2026-06-22 Sent to the Governor executive-receipt
  • 2026-06-25 Governor Approved executive-signature
  • 2026-06-25 Effective Date June 25, 2026
  • 2026-06-25 Public Act . . . . . . . . . 104-0475 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/07cfa0af-bcda-4c57-a739-49bca56599a7. Confidence: reported (aggregated from official Illinois legislature records).

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