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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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type: "Bill" title: "HUMAN RTS, FAIRNESS IN LENDING" description: "Creates the Mortgage Steering Act. Prohibits mortgage loan steering or other specified fee and loan practices, based upon (i) the borrower's credit history, (ii) the borrower's capacity to repay the loan, and (iii) the property on which the loan is secured, because of that borrowers race, gender, age, disability, or national origin. Provides that the Attorney General shall enforce the Act and grants the Attorney General the additional listed enforcement powers. Provides for injunctive relief, restitution, and civil penalties for violations of the Act. Provides that a person who suffers actual damages as a result of a violation of the Act by a lender may bring an action against that lender and may be awarded actual economic damages or any other relief that the court deems proper. Provides that any waiver or modification of the rights, provisions, or remedies of the Act shall be void and unenforceable." jurisdiction: "us/states/il" legislature: "Illinois General Assembly" session: "95th" identifier: "SB 1879" citation: "Illinois SB 1879 (95th)" classification: ["bill"] subjects: [] status: "enacted" primary_sponsors: [] version_count: 3 action_count: 93 vote_count: 5 first_action: "2008-01-10" last_action: "2008-09-25" source: "openstates" source_identifier: "ocd-bill/d1088e2f-277d-4598-87b8-0fbbf551c185" source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=1879&GAID=9&DocTypeID=SB&LegId=34628&SessionID=51&GA=95" source_hash: "04c1c76462a58d22884948e3e62615ee42fcfc1ec60217a432111d732cde2c97" 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 1879 (95th) — HUMAN RTS, FAIRNESS IN LENDING

Creates the Mortgage Steering Act. Prohibits mortgage loan steering or other specified fee and loan practices, based upon (i) the borrower's credit history, (ii) the borrower's capacity to repay the loan, and (iii) the property on which the loan is secured, because of that borrowers race, gender, age, disability, or national origin. Provides that the Attorney General shall enforce the Act and grants the Attorney General the additional listed enforcement powers. Provides for injunctive relief, restitution, and civil penalties for violations of the Act. Provides that a person who suffers actual damages as a result of a violation of the Act by a lender may bring an action against that lender and may be awarded actual economic damages or any other relief that the court deems proper. Provides that any waiver or modification of the rights, provisions, or remedies of the Act shall be void and unenforceable.

Version chain

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

Introduced (filed) — source
Engrossed (committee substitute) — source
Enrolled (enrolled) — source

Votes

Motion — 55–0 (pass) · upper
Concurrence, Amendment 3 — 56–0 (pass) · upper
Third Reading — 55–0 (pass) · upper
Third Reading — 111–0 (pass) · lower
Motion — 98–0 (fail) · lower

Timeline

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

2008-01-10 Filed with Secretary by Sen. Jacqueline Y. Collins filing
2008-01-10 First Reading reading-1
2008-01-10 Referred to Rules referral-committee
2008-01-16 Added as Chief Co-Sponsor Sen. Iris Y. Martinez
2008-01-28 Added as Chief Co-Sponsor Sen. Mattie Hunter
2008-02-07 Assigned to Financial Institutions referral-committee
2008-02-28 Held in Financial Institutions
2008-03-06 Postponed - Financial Institutions
2008-03-12 Senate Committee Amendment No. 1 Filed with Secretary by Sen. Jacqueline Y. Collins amendment-introduction
2008-03-12 Senate Committee Amendment No. 1 Referred to Rules referral-committee
2008-03-12 Senate Committee Amendment No. 1 Rules Refers to Financial Institutions
2008-03-13 Added as Co-Sponsor Sen. Martin A. Sandoval
2008-03-13 Senate Committee Amendment No. 1 Adopted amendment-passage
2008-03-13 Do Pass as Amended Financial Institutions; 008-000-000 committee-passage
2008-03-13 Placed on Calendar Order of 2nd Reading April 1, 2008
2008-03-27 Added as Co-Sponsor Sen. Antonio Munoz
2008-04-01 Senate Floor Amendment No. 2 Filed with Secretary by Sen. Jacqueline Y. Collins amendment-introduction
2008-04-01 Senate Floor Amendment No. 2 Referred to Rules referral-committee
2008-04-02 Senate Floor Amendment No. 2 Rules Refers to Financial Institutions
2008-04-02 Added as Co-Sponsor Sen. Ira I. Silverstein
2008-04-03 Senate Floor Amendment No. 2 Recommend Do Adopt Financial Institutions; 007-000-000
2008-04-16 Second Reading reading-2
2008-04-16 Senate Floor Amendment No. 2 Adopted; Collins amendment-passage
2008-04-16 Placed on Calendar Order of 3rd Reading April 17, 2008
2008-04-17 Third Reading - Passed; 055-000-000 reading-3, passage
2008-04-17 Arrived in House introduction
2008-04-17 Placed on Calendar Order of First Reading reading-1
2008-04-17 Chief House Sponsor Rep. Deborah L. Graham
2008-04-24 First Reading reading-1
2008-04-24 Referred to Rules Committee referral-committee
2008-05-06 Assigned to Judiciary I - Civil Law Committee referral-committee
2008-05-09 Committee Deadline Extended-Rule 9(b) May 23, 2008
2008-05-20 Alternate Chief Sponsor Changed to Rep. Marlow H. Colvin
2008-05-20 Added Alternate Chief Co-Sponsor Rep. Deborah L. Graham
2008-05-20 House Committee Amendment No. 1 Filed with Clerk by Judiciary I - Civil Law Committee amendment-introduction
2008-05-20 House Committee Amendment No. 1 Adopted in Judiciary I - Civil Law Committee; by Voice Vote amendment-passage
2008-05-20 Do Pass as Amended / Short Debate Judiciary I - Civil Law Committee; 010-000-000 committee-passage
2008-05-20 Placed on Calendar 2nd Reading - Short Debate
2008-05-20 Second Reading - Short Debate reading-2
2008-05-20 Held on Calendar Order of Second Reading - Short Debate reading-2
2008-05-21 Second Reading - Short Debate reading-2
2008-05-21 Placed on Calendar Order of 3rd Reading - Short Debate
2008-05-21 House Floor Amendment No. 2 Filed with Clerk by Rep. Marlow H. Colvin amendment-introduction
2008-05-21 House Floor Amendment No. 2 Referred to Rules Committee referral-committee
2008-05-22 House Committee Amendment No. 1 Motion Filed to Table Rep. Marlow H. Colvin
2008-05-22 House Committee Amendment No. 1 Motion to Table Referred to Rules Committee referral-committee
2008-05-22 Added Alternate Chief Co-Sponsor Rep. Karen A. Yarbrough
2008-05-23 Final Action Deadline Extended-9(b) May 31, 2008
2008-05-23 House Floor Amendment No. 3 Filed with Clerk by Rep. Marlow H. Colvin amendment-introduction
2008-05-23 House Floor Amendment No. 3 Referred to Rules Committee referral-committee
2008-05-27 House Floor Amendment No. 3 Recommends Be Adopted Rules Committee; 004-000-000 committee-passage-favorable
2008-05-28 House Committee Amendment No. 1 Motion to Table Recommends Be Adopted Rules Committee; 005-000-000 committee-passage-favorable
2008-05-28 Added Alternate Chief Co-Sponsor Rep. Al Riley
2008-05-28 Added Alternate Chief Co-Sponsor Rep. Barbara Flynn Currie
2008-05-28 Added Alternate Co-Sponsor Rep. Milton Patterson
2008-05-28 Added Alternate Co-Sponsor Rep. Edward J. Acevedo
2008-05-28 Added Alternate Co-Sponsor Rep. Cynthia Soto
2008-05-28 Added Alternate Co-Sponsor Rep. Elizabeth Hernandez
2008-05-28 Added Alternate Co-Sponsor Rep. Karen May
2008-05-28 Added Alternate Co-Sponsor Rep. Naomi D. Jakobsson
2008-05-28 Added Alternate Co-Sponsor Rep. David E. Miller
2008-05-28 Added Alternate Co-Sponsor Rep. Constance A. Howard
2008-05-28 Recalled to Second Reading - Short Debate reading-2
2008-05-28 House Committee Amendment No. 1 Motion to Table Amendment - Prevailed
2008-05-28 House Committee Amendment No. 1 Tabled amendment-failure
2008-05-28 House Floor Amendment No. 3 Adopted by Voice Vote amendment-passage
2008-05-28 Placed on Calendar Order of 3rd Reading - Short Debate
2008-05-28 Added Alternate Co-Sponsor Rep. Mike Boland
2008-05-28 Third Reading - Short Debate - Passed 111-000-001 reading-3, passage
2008-05-28 House Floor Amendment No. 2 Tabled Pursuant to Rule 40(a) amendment-failure
2008-05-29 Secretary's Desk - Concurrence House Amendment(s) 03
2008-05-29 Placed on Calendar Order of Concurrence House Amendment(s) 03-May 30, 2008
2008-05-29 House Floor Amendment No. 3 Motion to Concur Filed with Secretary Sen. Jacqueline Y. Collins filing
2008-05-29 House Floor Amendment No. 3 Motion to Concur Referred to Rules referral-committee
2008-05-29 House Floor Amendment No. 3 Motion to Concur Rules Referred to Financial Institutions referral-committee
2008-05-30 House Floor Amendment No. 3 Motion To Concur Recommended Do Adopt Financial Institutions; 006-000-000
2008-05-30 House Floor Amendment No. 3 Senate Concurs 056-000-000
2008-05-30 Passed Both Houses
2008-06-27 Sent to the Governor executive-receipt
2008-08-26 Governor Amendatory Veto executive-veto
2008-09-22 Placed on Calendar Amendatory Veto September 22, 2008
2008-09-22 Motion Filed Override Amendatory Veto Sen. Jacqueline Y. Collins
2008-09-22 3/5 Vote Required
2008-09-22 Override Amendatory Veto - Senate Passed 055-000-000
2008-09-22 Arrived in House introduction
2008-09-22 Placed on Calendar Amendatory Veto September 23, 2008
2008-09-23 Motion Filed Override Amendatory Veto Rep. Marlow H. Colvin
2008-09-23 3/5 Vote Required
2008-09-23 Override Amendatory Veto - House Passed 098-000-000
2008-09-23 Amendatory Veto Overridden Both Houses
2008-09-25 Effective Date September 23, 2008; Generally Effective
2008-09-25 Effective Date January 1, 2009; Some Parts Effective
2008-09-25 Public Act . . . . . . . . . 95-0961 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/d1088e2f-277d-4598-87b8-0fbbf551c185. Confidence: reported (aggregated from official Illinois legislature records).

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