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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 DEBT SETTLEMENT CONS PRO ACT Creates the Debt Settlement Consumer Protection Act. Provides that it shall be unlawful for any person to operate as a debt settlement provider or engage in debt settlement service except as authorized by the Act and without first having obtained a license under the Act. Contains provisions concerning the (1) application for a license, (2) qualifications for licensure, (3) renewal of a license, (4) display requirements for a license, (5) temporary licensed locations, (6) denial of a license, (7) revocation or suspension of a license, (8) maintenance of records by a licensee, (9) examination of a licensee, (10) maintenance of trust funds by a licensee, and (11) other licensee businesses. With respect to the Director of Financial Institutions, contains provisions concerning the (1) adoption of rules by the Director, (2) penalties for violations of the Act, (3) procedure the Director may take to obtain an injunction, (4) review of decisions, (5) issuance of cease and desist orders. Contains provisions concerning (1) advertising practices, (2) individualized financial analysis, (3) required disclosures, (4) debt settlement contracts, (5) fees, (6) consumer settlement accounts, (7) cancellation of contracts, (8) obligations of good faith, (9) prohibited practices and noncompliance with the Act, and (10) civil remedies. Amends the Debt Management Service Act to exclude "debt settlement service" and attorneys engaged in specific practices from the Act. Amends the State Finance Act to provide that moneys collected under the Debt Settlement Consumer Protection Act shall be deposited into the Financial Institution Fund. Contains a severability clause. Amends the Consumer Fraud and Deceptive Business Practices Act to specify that a violation of the Debt Settlement Consumer Protection Act is a violation of the Act. Effective immediately. us/states/il Illinois General Assembly 96th HB 4781 Illinois HB 4781 (96th)
bill
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3 157 2 2010-01-12 2010-08-03 openstates ocd-bill/fc2693a5-e0b9-4003-8f59-aecc0537ba1e http://ilga.gov/legislation/BillStatus.asp?DocNum=4781&GAID=10&DocTypeID=HB&LegId=49174&SessionID=76&GA=96 230ae075dede897d2a78affeb13f0c2fe10266d204a13a67120bb3068b2808b0 2026-07-01 https://data.openstates.org/daily/2026-07-01/public.pgdump 2026-07-06 reported
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Illinois HB 4781 (96th) — DEBT SETTLEMENT CONS PRO ACT

Creates the Debt Settlement Consumer Protection Act. Provides that it shall be unlawful for any person to operate as a debt settlement provider or engage in debt settlement service except as authorized by the Act and without first having obtained a license under the Act. Contains provisions concerning the (1) application for a license, (2) qualifications for licensure, (3) renewal of a license, (4) display requirements for a license, (5) temporary licensed locations, (6) denial of a license, (7) revocation or suspension of a license, (8) maintenance of records by a licensee, (9) examination of a licensee, (10) maintenance of trust funds by a licensee, and (11) other licensee businesses. With respect to the Director of Financial Institutions, contains provisions concerning the (1) adoption of rules by the Director, (2) penalties for violations of the Act, (3) procedure the Director may take to obtain an injunction, (4) review of decisions, (5) issuance of cease and desist orders. Contains provisions concerning (1) advertising practices, (2) individualized financial analysis, (3) required disclosures, (4) debt settlement contracts, (5) fees, (6) consumer settlement accounts, (7) cancellation of contracts, (8) obligations of good faith, (9) prohibited practices and noncompliance with the Act, and (10) civil remedies. Amends the Debt Management Service Act to exclude "debt settlement service" and attorneys engaged in specific practices from the Act. Amends the State Finance Act to provide that moneys collected under the Debt Settlement Consumer Protection Act shall be deposited into the Financial Institution Fund. Contains a severability clause. Amends the Consumer Fraud and Deceptive Business Practices Act to specify that a violation of the Debt Settlement Consumer Protection Act is a violation of the Act. 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 — 106–9 (pass) · lower
  • Third Reading — 56–1 (pass) · upper

Sponsors

  • Antonio Muñoz — cosponsor (person)
  • Chris Lauzen — cosponsor (person)
  • Dale A. Righter — cosponsor (person)
  • Dale E. Risinger — cosponsor (person)
  • David Koehler — cosponsor (person)
  • Deanna Demuzio — cosponsor (person)
  • Donne E. Trotter — cosponsor (person)
  • Emil Jones, III — cosponsor (person)
  • Heather Steans — cosponsor (person)
  • Ira I. Silverstein — cosponsor (person)
  • James T. Meeks — cosponsor (person)
  • Jeffrey M. Schoenberg — cosponsor (person)
  • Kimberly A. Lightford — cosponsor (person)
  • Kwame Raoul — cosponsor (person)
  • Larry K. Bomke — cosponsor (person)
  • Louis S. Viverito — cosponsor (person)
  • M. Maggie Crotty — cosponsor (person)
  • Marlow H. Colvin — primary (person)
  • Mattie Hunter — cosponsor (person)
  • Michael Bond — cosponsor (person)
  • Michael Noland — cosponsor (person)
  • Michael W. Frerichs — cosponsor (person)
  • Pamela J. Althoff — cosponsor (person)
  • Rickey R. Hendon — cosponsor (person)
  • Tim Bivins — cosponsor (person)
  • Toi W. Hutchinson — cosponsor (person)
  • William Delgado — cosponsor (person)

Timeline

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

  • 2010-01-12 Filed with the Clerk by Rep. Marlow H. Colvin filing
  • 2010-01-12 Added Chief Co-Sponsor Rep. Karen A. Yarbrough
  • 2010-01-12 Added Chief Co-Sponsor Rep. Deborah L. Graham
  • 2010-01-12 First Reading reading-1
  • 2010-01-12 Referred to Rules Committee referral-committee
  • 2010-01-27 Assigned to Consumer Protection Committee referral-committee
  • 2010-02-24 Added Co-Sponsor Rep. Joseph M. Lyons
  • 2010-02-24 Added Co-Sponsor Rep. Monique D. Davis
  • 2010-02-25 Added Co-Sponsor Rep. Cynthia Soto
  • 2010-02-25 Added Co-Sponsor Rep. Elizabeth Hernandez
  • 2010-02-25 Added Co-Sponsor Rep. John E. Bradley
  • 2010-02-25 Added Co-Sponsor Rep. John A. Fritchey
  • 2010-03-03 Added Co-Sponsor Rep. Keith Farnham
  • 2010-03-09 House Committee Amendment No. 1 Filed with Clerk by Consumer Protection Committee amendment-introduction
  • 2010-03-09 House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote amendment-passage
  • 2010-03-09 Motion Do Pass as Amended - Lost Consumer Protection Committee; 007-006-000 committee-failure
  • 2010-03-09 Remains in Consumer Protection Committee
  • 2010-03-12 Do Pass as Amended / Short Debate Consumer Protection Committee; 008-003-000 committee-passage
  • 2010-03-12 Placed on Calendar 2nd Reading - Short Debate
  • 2010-03-16 House Floor Amendment No. 2 Filed with Clerk by Rep. Marlow H. Colvin amendment-introduction
  • 2010-03-16 House Floor Amendment No. 2 Referred to Rules Committee referral-committee
  • 2010-03-17 Added Co-Sponsor Rep. Lisa M. Dugan
  • 2010-03-17 Added Co-Sponsor Rep. Careen M. Gordon
  • 2010-03-17 Added Co-Sponsor Rep. Patrick J. Verschoore
  • 2010-03-17 Added Co-Sponsor Rep. Michael K. Smith
  • 2010-03-17 Added Co-Sponsor Rep. Lou Lang
  • 2010-03-17 Added Co-Sponsor Rep. Eddie Washington
  • 2010-03-17 Added Co-Sponsor Rep. Kenneth Dunkin
  • 2010-03-17 Added Co-Sponsor Rep. Daniel V. Beiser
  • 2010-03-17 Added Co-Sponsor Rep. Naomi D. Jakobsson
  • 2010-03-17 Added Co-Sponsor Rep. Robert F. Flider
  • 2010-03-17 Added Co-Sponsor Rep. Kevin A. McCarthy
  • 2010-03-17 Added Co-Sponsor Rep. Greg Harris
  • 2010-03-18 Added Chief Co-Sponsor Rep. William Davis
  • 2010-03-18 Added Co-Sponsor Rep. Luis Arroyo
  • 2010-03-18 Added Co-Sponsor Rep. Susana A. Mendoza
  • 2010-03-18 Added Co-Sponsor Rep. Harry Osterman
  • 2010-03-18 Added Co-Sponsor Rep. Maria Antonia Berrios
  • 2010-03-18 Added Co-Sponsor Rep. Mark L. Walker
  • 2010-03-18 Added Co-Sponsor Rep. Michael J. Zalewski
  • 2010-03-18 Added Co-Sponsor Rep. Al Riley
  • 2010-03-18 Added Co-Sponsor Rep. Jack D. Franks
  • 2010-03-18 Added Co-Sponsor Rep. Mary E. Flowers
  • 2010-03-18 Added Co-Sponsor Rep. Jehan A. Gordon
  • 2010-03-18 House Floor Amendment No. 3 Filed with Clerk by Rep. Marlow H. Colvin amendment-introduction
  • 2010-03-18 House Floor Amendment No. 3 Referred to Rules Committee referral-committee
  • 2010-03-19 Added Co-Sponsor Rep. Deborah Mell
  • 2010-03-19 Added Co-Sponsor Rep. John D'Amico
  • 2010-03-19 Added Co-Sponsor Rep. Arthur L. Turner
  • 2010-03-22 House Floor Amendment No. 2 Rules Refers to Consumer Protection Committee
  • 2010-03-22 House Floor Amendment No. 3 Rules Refers to Consumer Protection Committee
  • 2010-03-22 House Floor Amendment No. 3 Recommends Be Adopted Consumer Protection Committee; 009-003-000 committee-passage-favorable
  • 2010-03-23 Added Co-Sponsor Rep. Jim Sacia
  • 2010-03-23 Added Co-Sponsor Rep. Daniel J. Burke
  • 2010-03-23 Added Co-Sponsor Rep. Dave Winters
  • 2010-03-23 Added Co-Sponsor Rep. Patricia R. Bellock
  • 2010-03-23 Added Co-Sponsor Rep. Ronald A. Wait
  • 2010-03-24 Added Co-Sponsor Rep. David E. Miller
  • 2010-03-24 Added Co-Sponsor Rep. Jack McGuire
  • 2010-03-24 Added Chief Co-Sponsor Rep. William B. Black
  • 2010-03-24 Second Reading - Short Debate reading-2
  • 2010-03-24 House Floor Amendment No. 3 Adopted by Voice Vote amendment-passage
  • 2010-03-24 Held on Calendar Order of Second Reading - Short Debate reading-2
  • 2010-03-24 House Committee Amendment No. 1 Fiscal Note Requested as Amended by Rep. Ed Sullivan, Jr.
  • 2010-03-24 House Floor Amendment No. 3 Fiscal Note Requested as Amended by Rep. Ed Sullivan, Jr.
  • 2010-03-24 House Committee Amendment No. 1 Correctional Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 Correctional Note Filed as Amended
  • 2010-03-24 Remove Chief Co-Sponsor Rep. Deborah L. Graham
  • 2010-03-24 Removed Co-Sponsor Rep. Joseph M. Lyons
  • 2010-03-24 Added Chief Co-Sponsor Rep. Joseph M. Lyons
  • 2010-03-24 Added Co-Sponsor Rep. Deborah L. Graham
  • 2010-03-24 Added Co-Sponsor Rep. Rosemary Mulligan
  • 2010-03-24 Added Co-Sponsor Rep. Carol A. Sente
  • 2010-03-24 House Committee Amendment No. 1 Land Conveyance Appraisal Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 2 Land Conveyance Appraisal Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 Land Conveyance Appraisal Note Filed as Amended
  • 2010-03-24 House Committee Amendment No. 1 Pension Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 Pension Note Filed as Amended
  • 2010-03-24 House Committee Amendment No. 1 State Debt Impact Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 State Debt Impact Note Filed as Amended
  • 2010-03-24 House Committee Amendment No. 1 Fiscal Note Requested as Amended - Withdrawn by Rep. Ed Sullivan, Jr.
  • 2010-03-24 House Floor Amendment No. 3 Fiscal Note Requested as Amended - Withdrawn by Rep. Ed Sullivan, Jr.
  • 2010-03-24 House Committee Amendment No. 1 State Mandates Fiscal Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 State Mandates Fiscal Note Filed as Amended
  • 2010-03-24 House Committee Amendment No. 1 Home Rule Note Filed as Amended
  • 2010-03-24 House Floor Amendment No. 3 Home Rule Note Filed as Amended
  • 2010-03-24 Placed on Calendar Order of 3rd Reading - Short Debate
  • 2010-03-25 House Committee Amendment No. 1 Judicial Note Filed as Amended
  • 2010-03-25 House Floor Amendment No. 2 Judicial Note Filed as Amended
  • 2010-03-25 House Floor Amendment No. 3 Judicial Note Filed as Amended
  • 2010-03-25 House Committee Amendment No. 1 Housing Affordability Impact Note Filed as Amended
  • 2010-03-25 House Floor Amendment No. 3 Housing Affordability Impact Note Filed as Amended
  • 2010-03-25 Added Co-Sponsor Rep. Esther Golar
  • 2010-03-25 Added Co-Sponsor Rep. Eddie Lee Jackson, Sr.
  • 2010-03-25 Added Co-Sponsor Rep. Donald L. Moffitt
  • 2010-03-25 Added Co-Sponsor Rep. Sidney H. Mathias
  • 2010-03-25 Removed from Short Debate Status
  • 2010-03-25 Placed on Calendar Order of 3rd Reading - Standard Debate
  • 2010-03-25 Third Reading - Standard Debate - Passed 106-009-000 reading-3, passage
  • 2010-03-25 House Floor Amendment No. 2 Tabled Pursuant to Rule 40(a) amendment-failure
  • 2010-03-25 Arrive in Senate introduction
  • 2010-03-25 Placed on Calendar Order of First Reading reading-1
  • 2010-03-25 Chief Senate Sponsor Sen. Jacqueline Y. Collins
  • 2010-03-25 Added as Alternate Chief Co-Sponsor Sen. Linda Holmes
  • 2010-03-25 First Reading reading-1
  • 2010-03-25 Referred to Assignments referral-committee
  • 2010-03-30 Added as Alternate Chief Co-Sponsor Sen. Dan Rutherford
  • 2010-03-30 Added as Alternate Chief Co-Sponsor Sen. Iris Y. Martinez
  • 2010-04-05 Added as Alternate Chief Co-Sponsor Sen. Dan Kotowski
  • 2010-04-12 Added as Alternate Co-Sponsor Sen. Jeffrey M. Schoenberg
  • 2010-04-13 Added as Alternate Co-Sponsor Sen. Chris Lauzen
  • 2010-04-14 Added as Alternate Co-Sponsor Sen. Larry K. Bomke
  • 2010-04-14 Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford
  • 2010-04-14 Assigned to Financial Institutions referral-committee
  • 2010-04-15 Added as Alternate Co-Sponsor Sen. Dale A. Righter
  • 2010-04-15 Senate Committee Amendment No. 1 Filed with Secretary by Sen. Terry Link amendment-introduction
  • 2010-04-15 Senate Committee Amendment No. 1 Referred to Assignments referral-committee
  • 2010-04-21 Added as Alternate Co-Sponsor Sen. Louis S. Viverito
  • 2010-04-21 Added as Alternate Co-Sponsor Sen. Dale E. Risinger
  • 2010-04-21 Added as Alternate Co-Sponsor Sen. Mattie Hunter
  • 2010-04-21 Senate Committee Amendment No. 2 Filed with Secretary by Sen. Terry Link amendment-introduction
  • 2010-04-21 Senate Committee Amendment No. 2 Referred to Assignments referral-committee
  • 2010-04-22 Do Pass Financial Institutions; 010-001-001 committee-passage
  • 2010-04-22 Placed on Calendar Order of 2nd Reading April 23, 2010
  • 2010-04-22 Added as Alternate Co-Sponsor Sen. Ira I. Silverstein
  • 2010-04-28 Second Reading reading-2
  • 2010-04-28 Placed on Calendar Order of 3rd Reading April 29, 2010
  • 2010-04-29 Senate Floor Amendment No. 3 Filed with Secretary by Sen. Terry Link amendment-introduction
  • 2010-04-29 Senate Floor Amendment No. 3 Referred to Assignments referral-committee
  • 2010-04-29 Added as Alternate Co-Sponsor Sen. Pamela J. Althoff
  • 2010-04-29 Senate Floor Amendment No. 3 Assignments Refers to Financial Institutions
  • 2010-04-29 Added as Alternate Co-Sponsor Sen. William Delgado
  • 2010-04-29 Added as Alternate Co-Sponsor Sen. Rickey R. Hendon
  • 2010-04-29 Added as Alternate Co-Sponsor Sen. Toi W. Hutchinson
  • 2010-04-29 Added as Alternate Co-Sponsor Sen. Emil Jones, III
  • 2010-04-29 Senate Floor Amendment No. 3 To Financial Institutions Subcommittee on Mortgages
  • 2010-04-30 Added as Alternate Co-Sponsor Sen. Deanna Demuzio
  • 2010-04-30 Added as Alternate Co-Sponsor Sen. Antonio Muñoz
  • 2010-04-30 Added as Alternate Co-Sponsor Sen. David Koehler
  • 2010-04-30 Added as Alternate Co-Sponsor Sen. Michael W. Frerichs
  • 2010-05-05 Added as Alternate Co-Sponsor Sen. Kwame Raoul
  • 2010-05-05 Added as Alternate Co-Sponsor Sen. Heather Steans
  • 2010-05-05 Added as Alternate Co-Sponsor Sen. Tim Bivins
  • 2010-05-06 Added as Alternate Co-Sponsor Sen. Michael Noland
  • 2010-05-06 Added as Alternate Co-Sponsor Sen. Michael Bond
  • 2010-05-06 Added as Alternate Co-Sponsor Sen. James T. Meeks
  • 2010-05-06 Added as Alternate Co-Sponsor Sen. Donne E. Trotter
  • 2010-05-06 Added as Alternate Co-Sponsor Sen. M. Maggie Crotty
  • 2010-05-06 Third Reading - Passed; 056-001-000 reading-3, passage
  • 2010-05-06 Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2010-05-06 Senate Committee Amendment No. 2 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2010-05-06 Senate Floor Amendment No. 3 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2010-05-06 Passed Both Houses
  • 2010-06-04 Sent to the Governor executive-receipt
  • 2010-08-03 Governor Approved executive-signature
  • 2010-08-03 Effective Date August 3, 2010
  • 2010-08-03 Public Act . . . . . . . . . 96-1420 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/fc2693a5-e0b9-4003-8f59-aecc0537ba1e. Confidence: reported (aggregated from official Illinois legislature records).

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