republic-os/legislation/us/states/il/96th/hb-418.md

---
type: "Bill"
title: "FINANCIAL REG-CREDIT DENIAL"
description: "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."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "96th"
identifier: "HB 418"
citation: "Illinois HB 418 (96th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 42
vote_count: 3
first_action: "2009-02-03"
last_action: "2009-08-18"
source: "openstates"
source_identifier: "ocd-bill/e624fa74-5115-4682-9686-803ce06a3a2f"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=418&GAID=10&DocTypeID=HB&LegId=40724&SessionID=76&GA=96"
source_hash: "fdde61c715f483ad8f52fb456d267ec50c740db2c9e1837d2a896af0bc5f5764"
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 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](http://ilga.gov/legislation/fulltext.asp?DocName=09600HB0418&GA=96&SessionId=76&DocTypeId=HB&LegID=40724&DocNum=418&GAID=10&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09600HB0418eng&GA=96&SessionId=76&DocTypeId=HB&LegID=40724&DocNum=418&GAID=10&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09600HB0418enr&GA=96&SessionId=76&DocTypeId=HB&LegID=40724&DocNum=418&GAID=10&Session=&print=true)

## 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](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e624fa74-5115-4682-9686-803ce06a3a2f`. Confidence: reported (aggregated from official Illinois legislature records).