Fabio
121 lines
7.5 KiB
Markdown
121 lines
7.5 KiB
Markdown
---
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type: "Bill"
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title: "CONSUMER INSTALL-PAYDAY LOAN"
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description: "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."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "97th"
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identifier: "HB 3935"
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citation: "Illinois HB 3935 (97th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: []
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version_count: 3
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action_count: 60
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vote_count: 2
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first_action: "2011-12-21"
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last_action: "2012-08-20"
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source: "openstates"
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source_identifier: "ocd-bill/144064ee-5555-4eb5-b23e-7c7aae5e852c"
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source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=3935&GAID=11&DocTypeID=HB&LegId=62763&SessionID=84&GA=97"
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source_hash: "4ccaa1296389edf5a2ab7bfff16fa27e812f2b3a152267d6d3e7ba59af063d41"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-il"]
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---
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# Illinois HB 3935 (97th) — CONSUMER INSTALL-PAYDAY LOAN
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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.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Introduced** (filed) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09700HB3935&GA=97&SessionId=84&DocTypeId=HB&LegID=62763&DocNum=3935&GAID=11&Session=&print=true)
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2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09700HB3935eng&GA=97&SessionId=84&DocTypeId=HB&LegID=62763&DocNum=3935&GAID=11&Session=&print=true)
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3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09700HB3935enr&GA=97&SessionId=84&DocTypeId=HB&LegID=62763&DocNum=3935&GAID=11&Session=&print=true)
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## Votes
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- Third Reading — **59–0** (pass) · upper
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- Third Reading — **90–27** (pass) · lower
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## Sponsors
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- Greg Harris — primary (person)
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- Martin A. Sandoval — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2011-12-21** Filed with the Clerk by Rep. Greg Harris `filing`
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- **2011-12-21** Chief Co-Sponsor Rep. Maria Antonia Berrios
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- **2012-01-10** First Reading `reading-1`
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- **2012-01-10** Referred to Rules Committee `referral-committee`
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- **2012-01-12** Added Chief Co-Sponsor Rep. John E. Bradley
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- **2012-01-17** Added Co-Sponsor Rep. Monique D. Davis
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- **2012-01-24** Assigned to Consumer Protection Committee `referral-committee`
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- **2012-01-31** Added Chief Co-Sponsor Rep. Jehan A. Gordon
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- **2012-02-01** Do Pass / Short Debate Consumer Protection Committee; 013-004-000 `committee-passage`
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- **2012-02-01** Placed on Calendar 2nd Reading - Short Debate
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- **2012-02-06** Added Chief Co-Sponsor Rep. Barbara Flynn Currie
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- **2012-02-07** House Floor Amendment No. 1 Filed with Clerk by Rep. Greg Harris `amendment-introduction`
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- **2012-02-07** House Floor Amendment No. 1 Referred to Rules Committee `referral-committee`
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- **2012-02-07** Second Reading - Short Debate `reading-2`
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- **2012-02-07** Held on Calendar Order of Second Reading - Short Debate `reading-2`
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- **2012-02-08** Added Co-Sponsor Rep. Linda Chapa LaVia
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- **2012-02-08** Added Co-Sponsor Rep. Michelle Mussman
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- **2012-02-08** Added Co-Sponsor Rep. Kelly M. Cassidy
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- **2012-02-08** Added Co-Sponsor Rep. Norine Hammond
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- **2012-02-08** Added Co-Sponsor Rep. Sandra M. Pihos
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- **2012-02-08** Added Co-Sponsor Rep. Elizabeth Hernandez
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- **2012-02-08** Added Co-Sponsor Rep. Derrick Smith
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- **2012-02-14** Added Co-Sponsor Rep. Karen A. Yarbrough
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- **2012-02-17** Added Co-Sponsor Rep. Eddie Lee Jackson, Sr.
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- **2012-02-21** House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 004-000-000 `committee-passage-favorable`
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- **2012-02-21** Second Reading - Short Debate `reading-2`
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- **2012-02-21** House Floor Amendment No. 1 Adopted by Voice Vote `amendment-passage`
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- **2012-02-21** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2012-02-22** Third Reading - Short Debate - Passed 090-027-000 `reading-3, passage`
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- **2012-02-22** Added Co-Sponsor Rep. Kimberly du Buclet
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- **2012-02-22** Added Co-Sponsor Rep. Al Riley
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- **2012-02-23** Arrive in Senate `introduction`
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- **2012-02-23** Placed on Calendar Order of First Reading `reading-1`
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- **2012-02-23** Chief Senate Sponsor Sen. Antonio Muñoz
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- **2012-02-23** First Reading `reading-1`
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- **2012-02-23** Referred to Assignments `referral-committee`
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- **2012-03-27** Alternate Chief Sponsor Changed to Sen. William R. Haine
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- **2012-03-28** Added as Alternate Chief Co-Sponsor Sen. Antonio Muñoz
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- **2012-04-11** Assigned to Financial Institutions `referral-committee`
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- **2012-04-18** Senate Committee Amendment No. 1 Filed with Secretary by Sen. William R. Haine `amendment-introduction`
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- **2012-04-18** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
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- **2012-04-18** Senate Committee Amendment No. 1 Assignments Refers to Financial Institutions
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- **2012-04-19** Senate Committee Amendment No. 1 Postponed - Financial Institutions
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- **2012-04-19** Postponed - Financial Institutions
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- **2012-04-24** Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins
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- **2012-04-26** Senate Committee Amendment No. 1 Adopted `amendment-passage`
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- **2012-04-26** Do Pass as Amended Financial Institutions; 009-000-000 `committee-passage`
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- **2012-04-26** Placed on Calendar Order of 2nd Reading May 1, 2012
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- **2012-05-03** Second Reading `reading-2`
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- **2012-05-03** Placed on Calendar Order of 3rd Reading May 8, 2012
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- **2012-05-24** Recalled to Second Reading `reading-2`
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- **2012-05-24** Senate Committee Amendment No. 1 Motion to Table Amendment - Prevailed
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- **2012-05-24** Senate Committee Amendment No. 1 Tabled `amendment-failure`
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- **2012-05-24** Added as Alternate Co-Sponsor Sen. Martin A. Sandoval
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- **2012-05-24** Third Reading - Passed; 059-000-000 `reading-3, passage`
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- **2012-05-24** Passed Both Houses
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- **2012-06-22** Sent to the Governor `executive-receipt`
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- **2012-08-20** Governor Approved `executive-signature`
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- **2012-08-20** Effective Date January 1, 2013
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- **2012-08-20** Public Act . . . . . . . . . 97-1039 `became-law`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/144064ee-5555-4eb5-b23e-7c7aae5e852c`. Confidence: reported (aggregated from official Illinois legislature records).
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