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---
type: "Bill"
title: "CONSUMER & PAYDAY LOANS"
description: "Amends the Payday Loan Reform Act and the Consumer Installment Loan Act. Provides that the Department of Financial and Professional Regulation shall set rules for the imposition and amount of fines."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "98th"
identifier: "HB 1323"
citation: "Illinois HB 1323 (98th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 32
vote_count: 2
first_action: "2013-02-06"
last_action: "2013-08-09"
source: "openstates"
source_identifier: "ocd-bill/8daffc0d-e43e-4a4b-bcc7-09a70d8e3098"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=1323&GAID=12&DocTypeID=HB&LegId=72030&SessionID=85&GA=98"
source_hash: "1ef64668ea9ce8bd711579b44c461c0ed63dc7d729ed5ed88d5811e6e2064db2"
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 1323 (98th) — CONSUMER & PAYDAY LOANS
Amends the Payday Loan Reform Act and the Consumer Installment Loan Act. Provides that the Department of Financial and Professional Regulation shall set rules for the imposition and amount of fines.
## 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=09800HB1323&GA=98&SessionId=85&DocTypeId=HB&LegID=72030&DocNum=1323&GAID=12&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09800HB1323eng&GA=98&SessionId=85&DocTypeId=HB&LegID=72030&DocNum=1323&GAID=12&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09800HB1323enr&GA=98&SessionId=85&DocTypeId=HB&LegID=72030&DocNum=1323&GAID=12&Session=&print=true)
## Votes
- Third Reading — **530** (pass) · upper
- Third Reading — **1140** (pass) · lower
## Sponsors
- Maria Antonia Berrios — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2013-02-06** Filed with the Clerk by Rep. Lou Lang `filing`
- **2013-02-06** First Reading `reading-1`
- **2013-02-06** Referred to Rules Committee `referral-committee`
- **2013-02-13** Assigned to Financial Institutions Committee `referral-committee`
- **2013-03-08** Do Pass / Short Debate Financial Institutions Committee; 014-000-000 `committee-passage`
- **2013-03-08** Placed on Calendar 2nd Reading - Short Debate
- **2013-04-11** Chief Sponsor Changed to Rep. Maria Antonia Berrios
- **2013-04-11** Added Chief Co-Sponsor Rep. Lou Lang
- **2013-04-12** House Floor Amendment No. 1 Filed with Clerk by Rep. Maria Antonia Berrios `amendment-introduction`
- **2013-04-12** House Floor Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2013-04-15** House Floor Amendment No. 1 Recommends Be Adopted Rules Committee; 004-000-000 `committee-passage-favorable`
- **2013-04-15** Second Reading - Short Debate `reading-2`
- **2013-04-15** House Floor Amendment No. 1 Adopted `amendment-passage`
- **2013-04-15** Placed on Calendar Order of 3rd Reading - Short Debate
- **2013-04-16** Third Reading - Short Debate - Passed 114-000-000 `reading-3, passage`
- **2013-04-16** Arrive in Senate `introduction`
- **2013-04-16** Placed on Calendar Order of First Reading April 17, 2013 `reading-1`
- **2013-04-23** Chief Senate Sponsor Sen. Iris Y. Martinez
- **2013-04-23** First Reading `reading-1`
- **2013-04-23** Referred to Assignments `referral-committee`
- **2013-04-24** Assigned to Financial Institutions `referral-committee`
- **2013-05-01** Do Pass Financial Institutions; 008-000-000 `committee-passage`
- **2013-05-01** Placed on Calendar Order of 2nd Reading May 2, 2013
- **2013-05-07** Second Reading `reading-2`
- **2013-05-07** Placed on Calendar Order of 3rd Reading May 8, 2013
- **2013-05-14** Added as Alternate Chief Co-Sponsor Sen. Jacqueline Y. Collins
- **2013-05-14** Third Reading - Passed; 053-000-000 `reading-3, passage`
- **2013-05-14** Passed Both Houses
- **2013-06-12** Sent to the Governor `executive-receipt`
- **2013-08-09** Governor Approved `executive-signature`
- **2013-08-09** Effective Date January 1, 2014
- **2013-08-09** Public Act . . . . . . . . . 98-0209 `became-law`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/8daffc0d-e43e-4a4b-bcc7-09a70d8e3098`. Confidence: reported (aggregated from official Illinois legislature records).