republic-os/legislation/us/states/il/96th/hb-5735.md

---
type: "Bill"
title: "FORECLOSURE-LOSS MITIGATION"
description: "Amends the Mortgage Foreclosure Article of the Code of Civil Procedure. Defines \"loss mitigation\" as a program or mechanism designed to maximize the opportunity for a mortgagor to retain ownership of the mortgaged real estate and cure delinquencies on his or her mortgage or for a mortgagor and mortgagee to mitigate losses that would result from foreclosure by using alternatives to foreclosure. Provides that a foreclosure complaint shall include a statement as to loss mitigation. Provides that a judgment of foreclosure shall include a finding by the court that the mortgagee has complied with applicable loss mitigation requirements or there are no applicable loss mitigation requirements, and provides that if the court finds that the mortgagee has not complied with applicable loss mitigation requirements, the court shall stay the matter until the court determines that the mortgagee has complied with those requirements. Adds failure by the mortgagee to fulfill applicable loss mitigation requirements as a condition under which the court shall not enter an order confirming a judicial sale."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "96th"
identifier: "HB 5735"
citation: "Illinois HB 5735 (96th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 50
vote_count: 2
first_action: "2010-02-09"
last_action: "2010-07-23"
source: "openstates"
source_identifier: "ocd-bill/346419a1-9fbb-4aec-936d-f96dd9ccfc1a"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=5735&GAID=10&DocTypeID=HB&LegId=51069&SessionID=76&GA=96"
source_hash: "4c66ec0086f01379bfe191568b2c29bb66a6ca7dab7b6e72a89929f8aaf41aef"
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 5735 (96th) — FORECLOSURE-LOSS MITIGATION

Amends the Mortgage Foreclosure Article of the Code of Civil Procedure. Defines "loss mitigation" as a program or mechanism designed to maximize the opportunity for a mortgagor to retain ownership of the mortgaged real estate and cure delinquencies on his or her mortgage or for a mortgagor and mortgagee to mitigate losses that would result from foreclosure by using alternatives to foreclosure. Provides that a foreclosure complaint shall include a statement as to loss mitigation. Provides that a judgment of foreclosure shall include a finding by the court that the mortgagee has complied with applicable loss mitigation requirements or there are no applicable loss mitigation requirements, and provides that if the court finds that the mortgagee has not complied with applicable loss mitigation requirements, the court shall stay the matter until the court determines that the mortgagee has complied with those requirements. Adds failure by the mortgagee to fulfill applicable loss mitigation requirements as a condition under which the court shall not enter an order confirming a judicial sale.

## 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=09600HB5735&GA=96&SessionId=76&DocTypeId=HB&LegID=51069&DocNum=5735&GAID=10&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09600HB5735eng&GA=96&SessionId=76&DocTypeId=HB&LegID=51069&DocNum=5735&GAID=10&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09600HB5735enr&GA=96&SessionId=76&DocTypeId=HB&LegID=51069&DocNum=5735&GAID=10&Session=&print=true)

## Votes

- Third Reading — **79–14** (pass) · lower
- Third Reading — **56–0** (pass) · upper

## Sponsors

- Al Riley — primary (person)
- Martin A. Sandoval — cosponsor (person)
- Mattie Hunter — cosponsor (person)
- Michael Bond — cosponsor (person)
- Toi W. Hutchinson — cosponsor (person)

## Timeline

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

- **2010-02-09** Filed with the Clerk by Rep. Deborah L. Graham `filing`
- **2010-02-09** First Reading `reading-1`
- **2010-02-09** Referred to Rules Committee `referral-committee`
- **2010-02-11** Added Chief Co-Sponsor Rep. William D. Burns
- **2010-02-11** Added Chief Co-Sponsor Rep. Elizabeth Hernandez
- **2010-02-11** Added Chief Co-Sponsor Rep. Marlow H. Colvin
- **2010-02-11** Added Chief Co-Sponsor Rep. Karen A. Yarbrough
- **2010-02-11** Added Co-Sponsor Rep. Edward J. Acevedo
- **2010-02-11** Added Co-Sponsor Rep. William Davis
- **2010-02-18** Added Co-Sponsor Rep. Julie Hamos
- **2010-02-18** Added Co-Sponsor Rep. Elaine Nekritz
- **2010-02-22** Assigned to Judiciary I - Civil Law Committee `referral-committee`
- **2010-03-10** House Committee Amendment No. 1 Filed with Clerk by Judiciary I - Civil Law Committee `amendment-introduction`
- **2010-03-10** House Committee Amendment No. 1 Adopted in Judiciary I - Civil Law Committee; by Voice Vote `amendment-passage`
- **2010-03-10** Do Pass as Amended / Standard Debate Judiciary I - Civil Law Committee; 009-007-000 `committee-passage`
- **2010-03-10** Placed on Calendar 2nd Reading - Standard Debate
- **2010-03-23** House Floor Amendment No. 2 Filed with Clerk by Rep. Deborah L. Graham `amendment-introduction`
- **2010-03-23** House Floor Amendment No. 2 Referred to Rules Committee `referral-committee`
- **2010-03-24** House Floor Amendment No. 2 Rules Refers to Judiciary I - Civil Law Committee
- **2010-03-24** Chief Sponsor Changed to Rep. Al Riley
- **2010-03-24** House Floor Amendment No. 2 Recommends Be Adopted Judiciary I - Civil Law Committee; 016-000-000 `committee-passage-favorable`
- **2010-03-25** Second Reading - Standard Debate `reading-2`
- **2010-03-25** House Floor Amendment No. 2 Adopted by Voice Vote `amendment-passage`
- **2010-03-25** Placed on Calendar Order of 3rd Reading - Standard Debate
- **2010-03-25** Added Co-Sponsor Rep. Cynthia Soto
- **2010-03-25** Added Co-Sponsor Rep. LaShawn K. Ford
- **2010-03-26** Third Reading - Standard Debate - Passed 079-014-000 `reading-3, passage`
- **2010-04-06** Arrive in Senate `introduction`
- **2010-04-06** Placed on Calendar Order of First Reading `reading-1`
- **2010-04-06** Chief Senate Sponsor Sen. Jacqueline Y. Collins
- **2010-04-06** First Reading `reading-1`
- **2010-04-06** Referred to Assignments `referral-committee`
- **2010-04-06** Assigned to Judiciary `referral-committee`
- **2010-04-07** Added as Alternate Chief Co-Sponsor Sen. M. Maggie Crotty
- **2010-04-14** Do Pass Judiciary; 009-000-000 `committee-passage`
- **2010-04-14** Placed on Calendar Order of 2nd Reading April 15, 2010
- **2010-04-14** Added as Alternate Chief Co-Sponsor Sen. Kwame Raoul
- **2010-04-21** Added as Alternate Co-Sponsor Sen. Martin A. Sandoval
- **2010-04-21** Second Reading `reading-2`
- **2010-04-21** Placed on Calendar Order of 3rd Reading April 22, 2010
- **2010-04-22** Added as Alternate Chief Co-Sponsor Sen. Linda Holmes
- **2010-04-23** Added as Alternate Co-Sponsor Sen. Michael Bond
- **2010-04-27** Added as Alternate Co-Sponsor Sen. Mattie Hunter
- **2010-04-27** Added as Alternate Co-Sponsor Sen. Toi W. Hutchinson
- **2010-04-27** Third Reading - Passed; 056-000-000 `reading-3, passage`
- **2010-04-27** Passed Both Houses
- **2010-05-26** Sent to the Governor `executive-receipt`
- **2010-07-23** Governor Approved `executive-signature`
- **2010-07-23** Effective Date July 23, 2010
- **2010-07-23** Public Act . . . . . . . . . 96-1245 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/346419a1-9fbb-4aec-936d-f96dd9ccfc1a`. Confidence: reported (aggregated from official Illinois legislature records).