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republic-os/legislation/us/states/il/96th/hb-418.md
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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 FINANCIAL REG-CREDIT DENIAL Amends the Residential Mortgage License Act of 1987. In a Section concerning lending procedures, provides that a licensee may not deny an application for a mortgage solely on the basis of credit information of prospective customers. Provides that if a licensee denies a mortgage application based on credit information, it must provide the affected party with an explanation for the licensee's action and an opportunity for the affected party to explain its credit information. Amends the Use of Credit Information in Personal Insurance Act. In a Section concerning the use of personal credit information, provides that if an insurer denies, cancels, or does not renew a policy of personal insurance based on credit information, it must provide the affected party with an explanation for the insurer's action and an opportunity for the affected party to explain its credit information. Amends the Public Utilities Act. Provides that a public utility may not deny, cancel, or nonrenew utility service solely on the basis of credit information of prospective or existing customers. Provides that if a public utility denies, cancels, or does not renew service based on credit information, it must provide the affected party with an explanation for the public utility's action and an opportunity for the affected party to explain its credit information. Effective immediately. us/states/il Illinois General Assembly 96th HB 418 Illinois HB 418 (96th)
bill
enacted
3 42 3 2009-02-03 2009-08-18 openstates ocd-bill/e624fa74-5115-4682-9686-803ce06a3a2f http://ilga.gov/legislation/BillStatus.asp?DocNum=418&GAID=10&DocTypeID=HB&LegId=40724&SessionID=76&GA=96 fdde61c715f483ad8f52fb456d267ec50c740db2c9e1837d2a896af0bc5f5764 2026-07-01 https://data.openstates.org/daily/2026-07-01/public.pgdump 2026-07-06 reported
legislation
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us-il

Illinois HB 418 (96th) — FINANCIAL REG-CREDIT DENIAL

Amends the Residential Mortgage License Act of 1987. In a Section concerning lending procedures, provides that a licensee may not deny an application for a mortgage solely on the basis of credit information of prospective customers. Provides that if a licensee denies a mortgage application based on credit information, it must provide the affected party with an explanation for the licensee's action and an opportunity for the affected party to explain its credit information. Amends the Use of Credit Information in Personal Insurance Act. In a Section concerning the use of personal credit information, provides that if an insurer denies, cancels, or does not renew a policy of personal insurance based on credit information, it must provide the affected party with an explanation for the insurer's action and an opportunity for the affected party to explain its credit information. Amends the Public Utilities Act. Provides that a public utility may not deny, cancel, or nonrenew utility service solely on the basis of credit information of prospective or existing customers. Provides that if a public utility denies, cancels, or does not renew service based on credit information, it must provide the affected party with an explanation for the public utility's action and an opportunity for the affected party to explain its credit information. Effective immediately.

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 — 72–35 (pass) · lower
  • Third Reading — 52–0 (pass) · upper
  • Concurrence — 110–0 (pass) · lower

Sponsors

  • Monique D. Davis — primary (person)

Timeline

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

  • 2009-02-03 Filed with the Clerk by Rep. Monique D. Davis filing
  • 2009-02-03 First Reading reading-1
  • 2009-02-03 Referred to Rules Committee referral-committee
  • 2009-02-09 Assigned to Executive Committee referral-committee
  • 2009-02-19 House Committee Amendment No. 1 Filed with Clerk by Executive Committee amendment-introduction
  • 2009-02-19 House Committee Amendment No. 1 Adopted in Executive Committee; by Voice Vote amendment-passage
  • 2009-02-19 Do Pass as Amended / Short Debate Executive Committee; 010-000-000 committee-passage
  • 2009-02-19 Placed on Calendar 2nd Reading - Short Debate
  • 2009-02-20 House Floor Amendment No. 2 Filed with Clerk by Rep. Monique D. Davis amendment-introduction
  • 2009-02-20 House Floor Amendment No. 2 Referred to Rules Committee referral-committee
  • 2009-02-24 House Floor Amendment No. 2 Recommends Be Adopted Rules Committee; 004-000-000 committee-passage-favorable
  • 2009-02-24 Second Reading - Short Debate reading-2
  • 2009-02-24 House Floor Amendment No. 2 Adopted by Voice Vote amendment-passage
  • 2009-02-24 Placed on Calendar Order of 3rd Reading - Short Debate
  • 2009-03-05 Added Chief Co-Sponsor Rep. LaShawn K. Ford
  • 2009-03-05 Third Reading - Short Debate - Passed 072-035-002 reading-3, passage
  • 2009-03-06 Arrive in Senate introduction
  • 2009-03-06 Placed on Calendar Order of First Reading March 10, 2009 reading-1
  • 2009-03-06 Chief Senate Sponsor Sen. William R. Haine
  • 2009-03-10 First Reading reading-1
  • 2009-03-10 Referred to Assignments referral-committee
  • 2009-04-28 Assigned to Insurance referral-committee
  • 2009-04-30 Senate Committee Amendment No. 1 Filed with Secretary by Sen. William R. Haine amendment-introduction
  • 2009-04-30 Senate Committee Amendment No. 1 Referred to Assignments referral-committee
  • 2009-05-05 Senate Committee Amendment No. 1 Assignments Refers to Insurance
  • 2009-05-06 Senate Committee Amendment No. 1 Adopted amendment-passage
  • 2009-05-07 Do Pass as Amended Insurance; 012-000-000 committee-passage
  • 2009-05-07 Placed on Calendar Order of 2nd Reading May 12, 2009
  • 2009-05-14 Second Reading reading-2
  • 2009-05-14 Placed on Calendar Order of 3rd Reading May 15, 2009
  • 2009-05-15 Third Reading - Passed; 052-000-000 reading-3, passage
  • 2009-05-15 Arrived in House introduction
  • 2009-05-15 Placed on Calendar Order of Concurrence Senate Amendment(s) 1
  • 2009-05-18 Senate Committee Amendment No. 1 Motion Filed Concur Rep. Monique D. Davis
  • 2009-05-18 Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee referral-committee
  • 2009-05-19 Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Rules Committee; 004-000-000
  • 2009-05-22 Senate Committee Amendment No. 1 House Concurs 110-000-000
  • 2009-05-22 Passed Both Houses
  • 2009-06-19 Sent to the Governor executive-receipt
  • 2009-08-18 Governor Approved executive-signature
  • 2009-08-18 Effective Date August 18, 2009
  • 2009-08-18 Public Act . . . . . . . . . 96-0560 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/e624fa74-5115-4682-9686-803ce06a3a2f. Confidence: reported (aggregated from official Illinois legislature records).

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