republic-os/legislation/us/states/il/97th/hb-3935.md

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	CONSUMER INSTALL-PAYDAY LOAN	Amends the Consumer Installment Loan Act. Provides that if any person who is not licensed under the Act makes a loan pursuant to the Act to an Illinois consumer, then the loan shall be null and void and the person who made the loan shall have no right to collect, receive, or retain any principal, interest, or charges related to the loan. Amends the Payday Loan Reform Act. Provides that if any lender who is not licensed under the Act makes a loan pursuant to the Act to an Illinois consumer, then the loan shall be null and void and the lender who made the loan shall have no right to collect, receive, or retain any principal, interest, or charges related to the loan. Effective January 1, 2013.	us/states/il	Illinois General Assembly	97th	HB 3935	Illinois HB 3935 (97th)	bill		enacted		3	60	2	2011-12-21	2012-08-20	openstates	ocd-bill/144064ee-5555-4eb5-b23e-7c7aae5e852c	http://ilga.gov/legislation/BillStatus.asp?DocNum=3935&GAID=11&DocTypeID=HB&LegId=62763&SessionID=84&GA=97	4ccaa1296389edf5a2ab7bfff16fa27e812f2b3a152267d6d3e7ba59af063d41	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-il

Illinois HB 3935 (97th) — CONSUMER INSTALL-PAYDAY LOAN

Amends the Consumer Installment Loan Act. Provides that if any person who is not licensed under the Act makes a loan pursuant to the Act to an Illinois consumer, then the loan shall be null and void and the person who made the loan shall have no right to collect, receive, or retain any principal, interest, or charges related to the loan. Amends the Payday Loan Reform Act. Provides that if any lender who is not licensed under the Act makes a loan pursuant to the Act to an Illinois consumer, then the loan shall be null and void and the lender who made the loan shall have no right to collect, receive, or retain any principal, interest, or charges related to the loan. Effective January 1, 2013.

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 — 59–0 (pass) · upper
• Third Reading — 90–27 (pass) · lower

Sponsors

• Greg Harris — primary (person)
• Martin A. Sandoval — cosponsor (person)

Timeline

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

• 2011-12-21 Filed with the Clerk by Rep. Greg Harris filing
• 2011-12-21 Chief Co-Sponsor Rep. Maria Antonia Berrios
• 2012-01-10 First Reading reading-1
• 2012-01-10 Referred to Rules Committee referral-committee
• 2012-01-12 Added Chief Co-Sponsor Rep. John E. Bradley
• 2012-01-17 Added Co-Sponsor Rep. Monique D. Davis
• 2012-01-24 Assigned to Consumer Protection Committee referral-committee
• 2012-01-31 Added Chief Co-Sponsor Rep. Jehan A. Gordon
• 2012-02-01 Do Pass / Short Debate Consumer Protection Committee; 013-004-000 committee-passage
• 2012-02-01 Placed on Calendar 2nd Reading - Short Debate
• 2012-02-06 Added Chief Co-Sponsor Rep. Barbara Flynn Currie
• 2012-02-07 House Floor Amendment No. 1 Filed with Clerk by Rep. Greg Harris amendment-introduction
• 2012-02-07 House Floor Amendment No. 1 Referred to Rules Committee referral-committee
• 2012-02-07 Second Reading - Short Debate reading-2
• 2012-02-07 Held on Calendar Order of Second Reading - Short Debate reading-2
• 2012-02-08 Added Co-Sponsor Rep. Linda Chapa LaVia
• 2012-02-08 Added Co-Sponsor Rep. Michelle Mussman
• 2012-02-08 Added Co-Sponsor Rep. Kelly M. Cassidy
• 2012-02-08 Added Co-Sponsor Rep. Norine Hammond
• 2012-02-08 Added Co-Sponsor Rep. Sandra M. Pihos
• 2012-02-08 Added Co-Sponsor Rep. Elizabeth Hernandez
• 2012-02-08 Added Co-Sponsor Rep. Derrick Smith
• 2012-02-14 Added Co-Sponsor Rep. Karen A. Yarbrough
• 2012-02-17 Added Co-Sponsor Rep. Eddie Lee Jackson, Sr.
• 2012-02-21 House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 004-000-000 committee-passage-favorable
• 2012-02-21 Second Reading - Short Debate reading-2
• 2012-02-21 House Floor Amendment No. 1 Adopted by Voice Vote amendment-passage
• 2012-02-21 Placed on Calendar Order of 3rd Reading - Short Debate
• 2012-02-22 Third Reading - Short Debate - Passed 090-027-000 reading-3, passage
• 2012-02-22 Added Co-Sponsor Rep. Kimberly du Buclet
• 2012-02-22 Added Co-Sponsor Rep. Al Riley
• 2012-02-23 Arrive in Senate introduction
• 2012-02-23 Placed on Calendar Order of First Reading reading-1
• 2012-02-23 Chief Senate Sponsor Sen. Antonio Muñoz
• 2012-02-23 First Reading reading-1
• 2012-02-23 Referred to Assignments referral-committee
• 2012-03-27 Alternate Chief Sponsor Changed to Sen. William R. Haine
• 2012-03-28 Added as Alternate Chief Co-Sponsor Sen. Antonio Muñoz
• 2012-04-11 Assigned to Financial Institutions referral-committee
• 2012-04-18 Senate Committee Amendment No. 1 Filed with Secretary by Sen. William R. Haine amendment-introduction
• 2012-04-18 Senate Committee Amendment No. 1 Referred to Assignments referral-committee
• 2012-04-18 Senate Committee Amendment No. 1 Assignments Refers to Financial Institutions
• 2012-04-19 Senate Committee Amendment No. 1 Postponed - Financial Institutions
• 2012-04-19 Postponed - Financial Institutions
• 2012-04-24 Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins
• 2012-04-26 Senate Committee Amendment No. 1 Adopted amendment-passage
• 2012-04-26 Do Pass as Amended Financial Institutions; 009-000-000 committee-passage
• 2012-04-26 Placed on Calendar Order of 2nd Reading May 1, 2012
• 2012-05-03 Second Reading reading-2
• 2012-05-03 Placed on Calendar Order of 3rd Reading May 8, 2012
• 2012-05-24 Recalled to Second Reading reading-2
• 2012-05-24 Senate Committee Amendment No. 1 Motion to Table Amendment - Prevailed
• 2012-05-24 Senate Committee Amendment No. 1 Tabled amendment-failure
• 2012-05-24 Added as Alternate Co-Sponsor Sen. Martin A. Sandoval
• 2012-05-24 Third Reading - Passed; 059-000-000 reading-3, passage
• 2012-05-24 Passed Both Houses
• 2012-06-22 Sent to the Governor executive-receipt
• 2012-08-20 Governor Approved executive-signature
• 2012-08-20 Effective Date January 1, 2013
• 2012-08-20 Public Act . . . . . . . . . 97-1039 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/144064ee-5555-4eb5-b23e-7c7aae5e852c. Confidence: reported (aggregated from official Illinois legislature records).