republic-os/legislation/us/states/il/94th/sb-2310.md

---
type: "Bill"
title: "CONSUMER FRAUD-CREDIT REPORT"
description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that any person who uses a consumer credit report in connection with the approval of credit based on the application for an extension of credit, and who has received notification of a police report filed with a consumer credit reporting agency that the applicant has been a victim of aggravated identity theft, may not lend money or extend credit without taking reasonable steps to verify the consumer's identity and confirm that the application for an extension of credit is not the result of financial identity theft or aggravated identity theft. Adds that a consumer may place a security freeze on his or her credit report by making a request directly to the consumer credit reporting agency through a secure electronic mail connection, if an electronic mail connection is provided by the consumer credit reporting agency. Provides that a consumer credit reporting agency shall not charge a fee for placing, removing, or removing for a specific party or period of time a security freeze on a credit report, if the consumer submits to the credit reporting agency a valid copy of a police report, investigative report, or complaint that the consumer has filed with a law enforcement agency about the unlawful use of his or her personal information by another person. Allows the credit reporting agency to charge a fee of not more than $10 to a consumer for each security freeze or temporary lift of a security freeze for a specific party and a fee of not more than $8 for removal of a security freeze or temporary lift of a security freeze for a period of time. Provides that the consumer credit reporting agency shall send a written confirmation of the security freeze to the consumer within 5 (instead of 10) business days of placing the freeze on the account. Requires the Director of the Division of Financial Institutions in the Department of Financial and Professional Regulation to promulgate rules necessary to allow the use of electronic media to receive and process a request from a consumer to temporarily lift a security freeze as quickly as possible, with the goal of processing a request within 15 minutes of that request. Defines \"consumer\", \"consumer credit reporting agency\", \"credit report\", \"Director\", and \"security freeze\". Changes references from \"credit reporting agency\" to \"consumer credit reporting agency\". Effective January 1, 2007."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "94th"
identifier: "SB 2310"
citation: "Illinois SB 2310 (94th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 103
vote_count: 2
first_action: "2006-01-12"
last_action: "2006-05-24"
source: "openstates"
source_identifier: "ocd-bill/643c0c75-1347-4b08-849b-28ec22b8c8d7"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=2310&GAID=8&DocTypeID=SB&LegId=22953&SessionID=50&GA=94"
source_hash: "7ea744675904f74cbaf012c4f304d80de935eafa6467177e7ad7a05b0222d1c7"
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 2310 (94th) — CONSUMER FRAUD-CREDIT REPORT

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that any person who uses a consumer credit report in connection with the approval of credit based on the application for an extension of credit, and who has received notification of a police report filed with a consumer credit reporting agency that the applicant has been a victim of aggravated identity theft, may not lend money or extend credit without taking reasonable steps to verify the consumer's identity and confirm that the application for an extension of credit is not the result of financial identity theft or aggravated identity theft. Adds that a consumer may place a security freeze on his or her credit report by making a request directly to the consumer credit reporting agency through a secure electronic mail connection, if an electronic mail connection is provided by the consumer credit reporting agency. Provides that a consumer credit reporting agency shall not charge a fee for placing, removing, or removing for a specific party or period of time a security freeze on a credit report, if the consumer submits to the credit reporting agency a valid copy of a police report, investigative report, or complaint that the consumer has filed with a law enforcement agency about the unlawful use of his or her personal information by another person. Allows the credit reporting agency to charge a fee of not more than $10 to a consumer for each security freeze or temporary lift of a security freeze for a specific party and a fee of not more than $8 for removal of a security freeze or temporary lift of a security freeze for a period of time. Provides that the consumer credit reporting agency shall send a written confirmation of the security freeze to the consumer within 5 (instead of 10) business days of placing the freeze on the account. Requires the Director of the Division of Financial Institutions in the Department of Financial and Professional Regulation to promulgate rules necessary to allow the use of electronic media to receive and process a request from a consumer to temporarily lift a security freeze as quickly as possible, with the goal of processing a request within 15 minutes of that request. Defines "consumer", "consumer credit reporting agency", "credit report", "Director", and "security freeze". Changes references from "credit reporting agency" to "consumer credit reporting agency". Effective January 1, 2007.

## Version chain

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

1. **Introduced** (filed) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400SB2310&GA=94&SessionId=50&DocTypeId=SB&LegID=22953&DocNum=2310&GAID=8&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400SB2310eng&GA=94&SessionId=50&DocTypeId=SB&LegID=22953&DocNum=2310&GAID=8&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09400SB2310enr&GA=94&SessionId=50&DocTypeId=SB&LegID=22953&DocNum=2310&GAID=8&Session=&print=true)

## Votes

- Third Reading — **58–0** (pass) · upper
- Third Reading — **101–0** (pass) · lower

## Sponsors

- Brandon W. Phelps — cosponsor (person)
- Calvin L. Giles — cosponsor (person)
- Careen M Gordon — cosponsor (person)
- Constance A. Howard — cosponsor (person)
- Cynthia Soto — cosponsor (person)
- Daniel V. Beiser — cosponsor (person)
- Deborah L. Graham — cosponsor (person)
- Donald L. Moffitt — cosponsor (person)
- Eddie Washington — cosponsor (person)
- Elaine Nekritz — cosponsor (person)
- Esther Golar — cosponsor (person)
- Jack D. Franks — cosponsor (person)
- Jack McGuire — cosponsor (person)
- John D'Amico — cosponsor (person)
- John E. Bradley — cosponsor (person)
- John J. Cullerton — primary (person)
- Lisa M. Dugan — cosponsor (person)
- Mary E. Flowers — cosponsor (person)
- Michael K. Smith — cosponsor (person)
- Monique D. Davis — cosponsor (person)
- Naomi D. Jakobsson — cosponsor (person)
- Patricia Reid Lindner — cosponsor (person)
- Patrick J Verschoore — cosponsor (person)
- Robert F. Flider — cosponsor (person)
- Robert Rita — cosponsor (person)
- Robin Kelly — cosponsor (person)
- Rosemary Mulligan — cosponsor (person)
- Ruth Munson — cosponsor (person)
- Sara Feigenholtz — cosponsor (person)
- Thomas Holbrook — cosponsor (person)

## Timeline

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

- **2006-01-12** Filed with Secretary by Sen. John J. Cullerton `filing`
- **2006-01-12** First Reading `reading-1`
- **2006-01-12** Referred to Rules `referral-committee`
- **2006-01-19** Assigned to Executive `referral-committee`
- **2006-01-31** Added as Co-Sponsor Sen. Antonio Munoz
- **2006-02-02** Added as Co-Sponsor Sen. Ira I. Silverstein
- **2006-02-03** Senate Committee Amendment No. 1 Filed with Secretary by Sen. John J. Cullerton `amendment-introduction`
- **2006-02-03** Senate Committee Amendment No. 1 Referred to Rules `referral-committee`
- **2006-02-07** Senate Committee Amendment No. 1 Rules Refers to Executive
- **2006-02-08** Senate Committee Amendment No. 1 Held in Executive
- **2006-02-08** Held in Executive
- **2006-02-10** Senate Committee Amendment No. 2 Filed with Secretary by Sen. John J. Cullerton `amendment-introduction`
- **2006-02-10** Senate Committee Amendment No. 2 Referred to Rules `referral-committee`
- **2006-02-14** Senate Committee Amendment No. 2 Rules Refers to Executive
- **2006-02-15** Senate Committee Amendment No. 1 Held in Executive
- **2006-02-15** Senate Committee Amendment No. 2 Adopted `amendment-passage`
- **2006-02-15** Do Pass as Amended Executive; 010-000-000 `committee-passage`
- **2006-02-15** Placed on Calendar Order of 2nd Reading February 16, 2006
- **2006-02-16** Second Reading `reading-2`
- **2006-02-16** Placed on Calendar Order of 3rd Reading February 22, 2006
- **2006-02-17** Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Rules `referral-committee`
- **2006-03-02** Rule 2-10 Third Reading Deadline Extended to January 9, 2007 `reading-3`
- **2006-03-08** Added as Co-Sponsor Sen. Gary Forby
- **2006-03-08** Added as Co-Sponsor Sen. William R. Haine
- **2006-03-08** Added as Co-Sponsor Sen. Iris Y. Martinez
- **2006-03-08** Added as Co-Sponsor Sen. Louis S. Viverito
- **2006-03-08** Added as Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2006-03-08** Added as Chief Co-Sponsor Sen. Don Harmon
- **2006-03-08** Added as Co-Sponsor Sen. James A. DeLeo
- **2006-03-08** Added as Co-Sponsor Sen. Martin A. Sandoval
- **2006-03-08** Added as Co-Sponsor Sen. Kimberly A. Lightford
- **2006-03-08** Added as Co-Sponsor Sen. M. Maggie Crotty
- **2006-03-09** Added as Co-Sponsor Sen. Miguel del Valle
- **2006-03-09** Added as Co-Sponsor Sen. Pamela J. Althoff
- **2006-03-14** Senate Floor Amendment No. 3 Filed with Secretary by Sen. John J. Cullerton `amendment-introduction`
- **2006-03-14** Senate Floor Amendment No. 3 Referred to Rules `referral-committee`
- **2006-03-15** Senate Floor Amendment No. 3 Rules Refers to Executive
- **2006-03-16** Senate Floor Amendment No. 3 Recommend Do Adopt Executive; 012-000-000
- **2006-03-16** Added as Co-Sponsor Sen. Cheryl Axley
- **2006-03-16** Added as Co-Sponsor Sen. Dale E. Risinger
- **2006-04-04** Added as Co-Sponsor Sen. Dale A. Righter
- **2006-04-04** Recalled to Second Reading `reading-2`
- **2006-04-04** Senate Floor Amendment No. 3 Adopted; Cullerton `amendment-passage`
- **2006-04-04** Placed on Calendar Order of 3rd Reading
- **2006-04-04** Third Reading - Passed; 058-000-000 `reading-3, passage`
- **2006-04-04** Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a) `amendment-failure`
- **2006-04-04** Arrived in House `introduction`
- **2006-04-04** Placed on Calendar Order of First Reading `reading-1`
- **2006-04-05** Chief House Sponsor Rep. Marlow H. Colvin
- **2006-04-05** Added Alternate Chief Co-Sponsor Rep. Charles E. Jefferson
- **2006-04-05** Added Alternate Chief Co-Sponsor Rep. Sara Feigenholtz
- **2006-04-05** Added Alternate Chief Co-Sponsor Rep. Patrick J Verschoore
- **2006-04-05** Added Alternate Chief Co-Sponsor Rep. Jack McGuire
- **2006-04-05** First Reading `reading-1`
- **2006-04-05** Referred to Rules Committee `referral-committee`
- **2006-04-05** Added as Chief Co-Sponsor Sen. Mattie Hunter
- **2006-04-06** Added Alternate Co-Sponsor Rep. Donald L. Moffitt
- **2006-04-06** Added Alternate Co-Sponsor Rep. John D'Amico
- **2006-04-07** Alternate Chief Co-Sponsor Removed Rep. Sara Feigenholtz
- **2006-04-07** Alternate Chief Co-Sponsor Removed Rep. Patrick J Verschoore
- **2006-04-07** Alternate Chief Co-Sponsor Removed Rep. Jack McGuire
- **2006-04-07** Added Alternate Chief Co-Sponsor Rep. Elizabeth Coulson
- **2006-04-07** Added Alternate Chief Co-Sponsor Rep. Larry McKeon
- **2006-04-07** Added Alternate Chief Co-Sponsor Rep. Karen A. Yarbrough
- **2006-04-07** Added Alternate Co-Sponsor Rep. Sara Feigenholtz
- **2006-04-07** Added Alternate Co-Sponsor Rep. Patrick J Verschoore
- **2006-04-07** Added Alternate Co-Sponsor Rep. Jack McGuire
- **2006-04-07** Added Alternate Co-Sponsor Rep. Esther Golar
- **2006-04-07** Added Alternate Co-Sponsor Rep. Thomas Holbrook
- **2006-04-07** Added Alternate Co-Sponsor Rep. Eddie Washington
- **2006-04-07** Added Alternate Co-Sponsor Rep. Constance A. Howard
- **2006-04-07** Added Alternate Co-Sponsor Rep. Calvin L. Giles
- **2006-04-07** Added Alternate Co-Sponsor Rep. Monique D. Davis
- **2006-04-07** Added Alternate Co-Sponsor Rep. Mary E. Flowers
- **2006-04-07** Added Alternate Co-Sponsor Rep. Patricia Reid Lindner
- **2006-04-07** Added Alternate Co-Sponsor Rep. Michael K. Smith
- **2006-04-07** Added Alternate Co-Sponsor Rep. Deborah L. Graham
- **2006-04-07** Added Alternate Co-Sponsor Rep. Robin Kelly
- **2006-04-07** Added Alternate Co-Sponsor Rep. John E. Bradley
- **2006-04-07** Added Alternate Co-Sponsor Rep. Robert Rita
- **2006-04-07** Added Alternate Co-Sponsor Rep. Cynthia Soto
- **2006-04-07** Added Alternate Co-Sponsor Rep. Elaine Nekritz
- **2006-04-07** Added Alternate Co-Sponsor Rep. Jack D. Franks
- **2006-04-10** Final Action Deadline Extended-9(b) April 13, 2006
- **2006-04-10** Assigned to Consumer Protection Committee `referral-committee`
- **2006-04-13** Final Action Deadline Extended-9(b) April 30, 2006
- **2006-04-18** Added Alternate Co-Sponsor Rep. Daniel V. Beiser
- **2006-04-18** Added Alternate Co-Sponsor Rep. Lisa M. Dugan
- **2006-04-18** Added Alternate Co-Sponsor Rep. Naomi D. Jakobsson
- **2006-04-18** Added Alternate Co-Sponsor Rep. Brandon W. Phelps
- **2006-04-18** Added Alternate Co-Sponsor Rep. Robert F. Flider
- **2006-04-18** Added Alternate Co-Sponsor Rep. Careen M Gordon
- **2006-04-18** Do Pass / Short Debate Consumer Protection Committee; 007-000-000 `committee-passage`
- **2006-04-18** Placed on Calendar 2nd Reading - Short Debate
- **2006-04-19** Second Reading - Short Debate `reading-2`
- **2006-04-19** Placed on Calendar Order of 3rd Reading - Short Debate
- **2006-04-20** Fiscal Note Filed
- **2006-04-25** Third Reading - Short Debate - Passed 101-000-000 `reading-3, passage`
- **2006-04-25** Passed Both Houses
- **2006-05-24** Sent to the Governor `executive-receipt`
- **2006-05-24** Governor Approved `executive-signature`
- **2006-05-24** Effective Date January 1, 2007
- **2006-05-24** Public Act . . . . . . . . . 94-0799 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/643c0c75-1347-4b08-849b-28ec22b8c8d7`. Confidence: reported (aggregated from official Illinois legislature records).