republic-os/legislation/us/states/il/93rd/hb-1640.md

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	INS USE OF CREDIT INFORMATION	Creates the Use of Credit Information in Personal Insurance Act. Sets forth the manner in which credit information may be used in the underwriting and rating of personal insurance. Applies only to personal insurance. Provides for resolution of disputes over alleged errors in the credit information used by insurers. Requires insurers to file credit scoring models with the Department of Insurance. Effective October 1, 2003.	us/states/il	Illinois General Assembly	93rd	HB 1640	Illinois HB 1640 (93rd)	bill		enacted		3	99	2	2003-02-11	2003-07-09	openstates	ocd-bill/d487dd2c-3913-489d-b547-343cf3a3027b	http://ilga.gov/legislation/BillStatus.asp?DocNum=1640&GAID=3&DocTypeID=HB&LegId=2428&SessionID=3&GA=93	82d6c8201871809f09eea1babd412b5aac8fe8496c0ccca8d63a17acc4336d4b	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-il

Illinois HB 1640 (93rd) — INS USE OF CREDIT INFORMATION

Creates the Use of Credit Information in Personal Insurance Act. Sets forth the manner in which credit information may be used in the underwriting and rating of personal insurance. Applies only to personal insurance. Provides for resolution of disputes over alleged errors in the credit information used by insurers. Requires insurers to file credit scoring models with the Department of Insurance. Effective October 1, 2003.

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. Enrolled (enrolled) — source

Votes

• Third Reading — 57–0 (pass) · upper
• Third Reading — 113–0 (pass) · lower

Sponsors

• JoAnn D. Osmond — primary (person)
• Todd Sieben — cosponsor (person)

Timeline

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

• 2003-02-11 Filed with the Clerk by Rep. JoAnn D. Osmond filing
• 2003-02-11 Chief Co-Sponsor Rep. Frank J. Mautino
• 2003-02-11 Chief Co-Sponsor Rep. Terry R. Parke
• 2003-02-11 Chief Co-Sponsor Rep. Karen A. Yarbrough
• 2003-02-11 First Reading reading-1
• 2003-02-11 Referred to Rules Committee referral-committee
• 2003-02-19 Assigned to Insurance Committee referral-committee
• 2003-02-21 Added Chief Co-Sponsor Rep. Marlow H. Colvin
• 2003-02-21 Added Co-Sponsor Rep. Sara Feigenholtz
• 2003-02-21 Added Co-Sponsor Rep. Calvin L. Giles
• 2003-02-21 Added Co-Sponsor Rep. Karen May
• 2003-02-21 Added Co-Sponsor Rep. Mark H. Beaubien, Jr.
• 2003-02-21 Added Co-Sponsor Rep. Renee Kosel
• 2003-02-21 Added Co-Sponsor Rep. Chapin Rose
• 2003-02-21 Added Co-Sponsor Rep. Ed Sullivan, Jr.
• 2003-02-21 Added Co-Sponsor Rep. Michael P. McAuliffe
• 2003-02-21 Added Co-Sponsor Rep. Lou Lang
• 2003-02-21 Added Co-Sponsor Rep. Kenneth Dunkin
• 2003-02-21 Added Co-Sponsor Rep. Mary E. Flowers
• 2003-02-21 Added Co-Sponsor Rep. Patricia R. Bellock
• 2003-02-21 Added Co-Sponsor Rep. Julie Hamos
• 2003-02-21 Added Co-Sponsor Rep. Elizabeth Coulson
• 2003-02-21 Added Co-Sponsor Rep. Patricia Reid Lindner
• 2003-02-21 Added Co-Sponsor Rep. Carole Pankau
• 2003-02-21 Added Co-Sponsor Rep. Shane Cultra
• 2003-02-21 Added Co-Sponsor Rep. William Delgado
• 2003-02-21 Added Co-Sponsor Rep. Robert Rita
• 2003-02-21 Added Co-Sponsor Rep. Eddie Washington
• 2003-02-21 Added Co-Sponsor Rep. Patricia Bailey
• 2003-02-21 Added Co-Sponsor Rep. Rosemary Kurtz
• 2003-02-21 Added Co-Sponsor Rep. John J. Millner
• 2003-02-21 Added Co-Sponsor Rep. James H. Meyer
• 2003-02-21 Added Co-Sponsor Rep. Dave Winters
• 2003-02-21 Added Co-Sponsor Rep. Arthur L. Turner
• 2003-02-21 Added Co-Sponsor Rep. Jack McGuire
• 2003-02-21 Added Co-Sponsor Rep. David A. Wirsing
• 2003-02-21 Added Co-Sponsor Rep. Sidney H. Mathias
• 2003-02-21 Added Co-Sponsor Rep. Richard P. Myers
• 2003-02-21 Added Co-Sponsor Rep. Elaine Nekritz
• 2003-02-21 Added Co-Sponsor Rep. Ruth Munson
• 2003-02-21 Added Co-Sponsor Rep. Donald L. Moffitt
• 2003-02-21 Added Co-Sponsor Rep. Jim Watson
• 2003-02-21 Added Co-Sponsor Rep. Bob Biggins
• 2003-02-21 Added Co-Sponsor Rep. Jack D. Franks
• 2003-02-21 Added Co-Sponsor Rep. Mike Bost
• 2003-02-21 Added Co-Sponsor Rep. Raymond Poe
• 2003-02-21 Added Co-Sponsor Rep. Angelo Saviano
• 2003-02-21 Added Co-Sponsor Rep. William B. Black
• 2003-02-21 Added Co-Sponsor Rep. Carolyn H. Krause
• 2003-02-21 Added Co-Sponsor Rep. Sandra M. Pihos
• 2003-02-21 Added Co-Sponsor Rep. Joe Dunn
• 2003-02-21 Added Co-Sponsor Rep. Brent Hassert
• 2003-02-21 Added Co-Sponsor Rep. Timothy L. Schmitz
• 2003-02-21 Added Co-Sponsor Rep. Robert W. Churchill
• 2003-02-21 Added Co-Sponsor Rep. Lee A. Daniels
• 2003-02-21 Added Co-Sponsor Rep. Keith P. Sommer
• 2003-02-21 Added Co-Sponsor Rep. Frank Aguilar
• 2003-02-21 Added Co-Sponsor Rep. Suzanne Bassi
• 2003-02-21 Added Co-Sponsor Rep. Dan Brady
• 2003-02-26 Added Co-Sponsor Rep. Eileen Lyons
• 2003-02-26 Added Co-Sponsor Rep. Joseph M. Lyons
• 2003-02-26 Added Co-Sponsor Rep. Tom Cross
• 2003-02-26 Added Co-Sponsor Rep. Joel Brunsvold
• 2003-02-26 Added Co-Sponsor Rep. Kathleen A. Ryg
• 2003-03-05 Do Pass / Short Debate Insurance Committee; 012-000-000 committee-passage
• 2003-03-05 Placed on Calendar 2nd Reading - Short Debate
• 2003-03-05 Added Co-Sponsor Rep. Susana Mendoza
• 2003-03-05 Added Co-Sponsor Rep. Constance A. Howard
• 2003-03-06 Added Co-Sponsor Rep. Ron Stephens
• 2003-03-06 Added Co-Sponsor Rep. Jerry L. Mitchell
• 2003-03-06 Added Co-Sponsor Rep. Thomas Holbrook
• 2003-03-06 Added Co-Sponsor Rep. Linda Chapa LaVia
• 2003-03-06 Added Co-Sponsor Rep. David E. Miller
• 2003-03-06 Added Co-Sponsor Rep. Monique D. Davis
• 2003-03-18 Second Reading - Short Debate reading-2
• 2003-03-18 Placed on Calendar Order of 3rd Reading - Short Debate
• 2003-03-19 Added Co-Sponsor Rep. Rosemary Mulligan
• 2003-03-19 Added Co-Sponsor Rep. Annazette Collins
• 2003-03-19 Added Co-Sponsor Rep. William Davis
• 2003-03-19 Third Reading - Short Debate - Passed 113-000-000 reading-3, passage
• 2003-03-20 Arrive in Senate introduction
• 2003-03-20 Placed on Calendar Order of First Reading March 21, 2003 reading-1
• 2003-03-24 Chief Senate Sponsor Sen. Denny Jacobs
• 2003-03-24 Added as Alternate Chief Co-Sponsor Sen. William E. Peterson
• 2003-03-26 First Reading reading-1
• 2003-03-26 Referred to Rules referral-committee
• 2003-04-08 Added as Alternate Chief Co-Sponsor Sen. Don Harmon
• 2003-04-10 Added as Alternate Co-Sponsor Sen. Todd Sieben
• 2003-04-10 Assigned to Insurance & Pensions referral-committee
• 2003-04-29 Do Pass Insurance & Pensions; 007-000-000 committee-passage
• 2003-04-29 Placed on Calendar Order of 2nd Reading April 30, 2003
• 2003-04-30 Second Reading reading-2
• 2003-04-30 Placed on Calendar Order of 3rd Reading May 1, 2003
• 2003-05-06 Third Reading - Passed; 057-000-000 reading-3, passage
• 2003-05-06 Passed Both Houses
• 2003-06-04 Sent to the Governor executive-receipt
• 2003-07-09 Governor Approved executive-signature
• 2003-07-09 Effective Date October 1, 2003
• 2003-07-09 Public Act . . . . . . . . . 93-0114 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/d487dd2c-3913-489d-b547-343cf3a3027b. Confidence: reported (aggregated from official Illinois legislature records).