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republic-os/legislation/us/states/il/102nd/hb-2746.md
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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: "Bill"
title: "KNOW BEFORE YOU OWE ED LOANS"
description: "Creates the Know Before You Owe Private Education Loan Act. Requires private educational lenders to obtain from the relevant institution of higher education at which the borrower will use the loan proceeds certifications regarding cost, enrollment status of the borrower, and financial assistance available to the borrower. Provides that private educational lenders must file reports with the Department of Financial and Professional Regulation and the Student Loan Ombudsman. Provides that loan statements must be provided not less frequently than quarterly. Requires institutions of higher education to certify compliance with provisions of the Act to the Board of Higher Education or Illinois Community College Board as a condition to operate. Defines terms. Effective immediately."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "HB 2746"
citation: "Illinois HB 2746 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Katie Stuart", "Scott M. Bennett"]
version_count: 6
action_count: 100
vote_count: 3
first_action: "2021-02-18"
last_action: "2021-08-26"
source: "openstates"
source_identifier: "ocd-bill/38460cab-eef4-4c7f-aeb9-105abc3b0564"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=2746&GAID=16&DocTypeID=HB&LegId=131590&SessionID=110&GA=102"
source_hash: "3267555ab9207b5ee8da1431f0501cac5ffd56d1efa9f85fb6ffd80de99a3ae6"
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 2746 (102nd) — KNOW BEFORE YOU OWE ED LOANS
Creates the Know Before You Owe Private Education Loan Act. Requires private educational lenders to obtain from the relevant institution of higher education at which the borrower will use the loan proceeds certifications regarding cost, enrollment status of the borrower, and financial assistance available to the borrower. Provides that private educational lenders must file reports with the Department of Financial and Professional Regulation and the Student Loan Ombudsman. Provides that loan statements must be provided not less frequently than quarterly. Requires institutions of higher education to certify compliance with provisions of the Act to the Board of Higher Education or Illinois Community College Board as a condition to operate. Defines terms. Effective immediately.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **Introduced** (filed) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746ham001.pdf)
4. **House Amendment 002** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746ham002.pdf)
5. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746sam001.pdf)
6. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB2746enr.pdf)
## Votes
- Third Reading — **58–0** (pass) · upper
- Third Reading — **113–0** (pass) · lower
- Concurrence — **117–0** (pass) · lower
## Sponsors
- Katie Stuart — primary (person)
- Scott M. Bennett — primary (person)
- Aaron M. Ortiz — cosponsor (person)
- Adriane Johnson — cosponsor (person)
- Angelica Guerrero-Cuellar — cosponsor (person)
- Anna Moeller — cosponsor (person)
- Anne Stava-Murray — cosponsor (person)
- Barbara Hernandez — cosponsor (person)
- Bob Morgan — cosponsor (person)
- Camille Y. Lilly — cosponsor (person)
- Carol Ammons — cosponsor (person)
- Celina Villanueva — cosponsor (person)
- Craig Wilcox — cosponsor (person)
- Cristina Castro — cosponsor (person)
- Dagmara Avelar — cosponsor (person)
- Dan McConchie — cosponsor (person)
- Daniel Didech — cosponsor (person)
- Dave Syverson — cosponsor (person)
- David Koehler — cosponsor (person)
- Donald P. DeWitte — cosponsor (person)
- Doris Turner — cosponsor (person)
- Edgar Gonzalez, Jr. — cosponsor (person)
- Elizabeth Hernandez — cosponsor (person)
- Frances Ann Hurley — cosponsor (person)
- Jason A. Barickman — cosponsor (person)
- John Connor — cosponsor (person)
- John F. Curran — cosponsor (person)
- Jonathan Carroll — cosponsor (person)
- Joyce Mason — cosponsor (person)
- Julie A. Morrison — cosponsor (person)
- Kambium Buckner — cosponsor (person)
- Kelly M. Cassidy — cosponsor (person)
- Kimberly A. Lightford — cosponsor (person)
- LaToya Greenwood — cosponsor (person)
- Lamont J. Robinson, Jr. — cosponsor (person)
- Laura Fine — cosponsor (person)
- Laura M. Murphy — cosponsor (person)
- Linda Holmes — cosponsor (person)
- Mattie Hunter — cosponsor (person)
- Maura Hirschauer — cosponsor (person)
- Maurice A. West, II — cosponsor (person)
- Meg Loughran Cappel — cosponsor (person)
- Michelle Mussman — cosponsor (person)
- Patricia Van Pelt — cosponsor (person)
- Ram Villivalam — cosponsor (person)
- Robert Peters — cosponsor (person)
- Sally J. Turner — cosponsor (person)
- Sam Yingling — cosponsor (person)
- Sara Feigenholtz — cosponsor (person)
- Steve Stadelman — cosponsor (person)
- Sue Rezin — cosponsor (person)
- Sue Scherer — cosponsor (person)
- Theresa Mah — cosponsor (person)
- Will Guzzardi — cosponsor (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2021-02-18** Filed with the Clerk by Rep. Katie Stuart `filing`
- **2021-02-19** Added Co-Sponsor Rep. Kambium Buckner
- **2021-02-19** First Reading `reading-1`
- **2021-02-19** Referred to Rules Committee `referral-committee`
- **2021-02-24** Added Co-Sponsor Rep. Maura Hirschauer
- **2021-02-24** Added Co-Sponsor Rep. Carol Ammons
- **2021-02-24** Added Co-Sponsor Rep. Sue Scherer
- **2021-02-24** Added Co-Sponsor Rep. Edgar Gonzalez, Jr.
- **2021-02-24** Added Co-Sponsor Rep. Maurice A. West, II
- **2021-02-24** Removed Co-Sponsor Rep. Maurice A. West, II
- **2021-02-26** Added Chief Co-Sponsor Rep. Maurice A. West, II
- **2021-03-09** Assigned to Higher Education Committee `referral-committee`
- **2021-03-18** Do Pass / Consent Calendar Higher Education Committee; 010-000-000 `committee-passage`
- **2021-03-18** House Committee Amendment No. 1 Filed with Clerk by Rep. Katie Stuart `amendment-introduction`
- **2021-03-18** House Committee Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2021-03-23** House Committee Amendment No. 1 Tabled Pursuant to Rule 40 `amendment-failure`
- **2021-03-23** Added Co-Sponsor Rep. Elizabeth Hernandez
- **2021-04-08** Placed on Calendar 2nd Reading - Consent Calendar
- **2021-04-13** House Floor Amendment No. 2 Filed with Clerk by Rep. Katie Stuart `amendment-introduction`
- **2021-04-13** House Floor Amendment No. 2 Referred to Rules Committee `referral-committee`
- **2021-04-14** House Floor Amendment No. 2 Recommends Be Adopted Rules Committee; 004-000-000 `committee-passage-favorable`
- **2021-04-14** Removed from Consent Calendar Status Rep. Greg Harris
- **2021-04-14** Placed on Calendar 2nd Reading - Short Debate
- **2021-04-20** Added Co-Sponsor Rep. Will Guzzardi
- **2021-04-20** Added Co-Sponsor Rep. Jonathan Carroll
- **2021-04-20** Added Co-Sponsor Rep. Barbara Hernandez
- **2021-04-20** Added Co-Sponsor Rep. Bob Morgan
- **2021-04-20** Added Co-Sponsor Rep. Anne Stava-Murray
- **2021-04-20** Added Co-Sponsor Rep. Joyce Mason
- **2021-04-21** Added Co-Sponsor Rep. Kelly M. Cassidy
- **2021-04-21** Added Co-Sponsor Rep. Michelle Mussman
- **2021-04-21** Added Chief Co-Sponsor Rep. Frances Ann Hurley
- **2021-04-21** Added Chief Co-Sponsor Rep. LaToya Greenwood
- **2021-04-21** Added Chief Co-Sponsor Rep. Aaron M. Ortiz
- **2021-04-21** Second Reading - Short Debate `reading-2`
- **2021-04-21** House Floor Amendment No. 2 Adopted `amendment-passage`
- **2021-04-21** Placed on Calendar Order of 3rd Reading - Short Debate
- **2021-04-22** Added Co-Sponsor Rep. Daniel Didech
- **2021-04-22** Added Co-Sponsor Rep. Theresa Mah
- **2021-04-22** Third Reading - Short Debate - Passed 113-000-001 `passage, reading-3`
- **2021-04-22** Added Co-Sponsor Rep. Angelica Guerrero-Cuellar
- **2021-04-22** Added Co-Sponsor Rep. Anna Moeller
- **2021-04-22** Added Co-Sponsor Rep. Sam Yingling
- **2021-04-22** Added Co-Sponsor Rep. Camille Y. Lilly
- **2021-04-23** Arrive in Senate `introduction`
- **2021-04-23** Placed on Calendar Order of First Reading `reading-1`
- **2021-04-23** Chief Senate Sponsor Sen. Scott M. Bennett
- **2021-04-23** First Reading `reading-1`
- **2021-04-23** Referred to Assignments `referral-committee`
- **2021-04-27** Added as Alternate Co-Sponsor Sen. Ram Villivalam
- **2021-04-27** Added as Alternate Chief Co-Sponsor Sen. Cristina Castro
- **2021-04-27** Added as Alternate Co-Sponsor Sen. Steve Stadelman
- **2021-04-27** Added as Alternate Co-Sponsor Sen. David Koehler
- **2021-04-27** Added as Alternate Co-Sponsor Sen. Robert Peters
- **2021-04-27** Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford
- **2021-04-28** Added as Alternate Co-Sponsor Sen. John Connor
- **2021-04-28** Added as Alternate Co-Sponsor Sen. Sara Feigenholtz
- **2021-04-28** Added as Alternate Co-Sponsor Sen. Linda Holmes
- **2021-05-05** Added as Alternate Co-Sponsor Sen. Celina Villanueva
- **2021-05-11** Assigned to Higher Education `referral-committee`
- **2021-05-11** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Scott M. Bennett `amendment-introduction`
- **2021-05-11** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
- **2021-05-13** Added as Alternate Co-Sponsor Sen. Julie A. Morrison
- **2021-05-13** Added as Alternate Co-Sponsor Sen. Mattie Hunter
- **2021-05-13** Added as Alternate Co-Sponsor Sen. Adriane Johnson
- **2021-05-13** Added as Alternate Co-Sponsor Sen. Doris Turner
- **2021-05-13** Added as Alternate Co-Sponsor Sen. Meg Loughran Cappel
- **2021-05-14** Senate Committee Amendment No. 1 Assignments Refers to Higher Education
- **2021-05-18** Senate Committee Amendment No. 1 Adopted `amendment-passage`
- **2021-05-19** Do Pass as Amended Higher Education; 011-000-000 `committee-passage`
- **2021-05-19** Placed on Calendar Order of 2nd Reading May 20, 2021
- **2021-05-21** Second Reading `reading-2`
- **2021-05-21** Placed on Calendar Order of 3rd Reading May 24, 2021
- **2021-05-26** Added as Alternate Chief Co-Sponsor Sen. Patricia Van Pelt
- **2021-05-28** Added as Alternate Co-Sponsor Sen. Laura Fine
- **2021-05-28** Third Reading - Passed; 058-000-000 `passage, reading-3`
- **2021-05-28** Arrived in House `introduction`
- **2021-05-28** Placed on Calendar Order of Concurrence Senate Amendment(s) 1
- **2021-05-28** Senate Committee Amendment No. 1 Motion Filed Concur Rep. Katie Stuart
- **2021-05-28** Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee `referral-committee`
- **2021-05-28** Added as Alternate Co-Sponsor Sen. Laura M. Murphy
- **2021-05-29** Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Higher Education Committee `referral-committee`
- **2021-05-30** Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Higher Education Committee; 010-000-000
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Sue Rezin
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Donald P. DeWitte
- **2021-05-30** Added as Alternate Co-Sponsor Sen. John F. Curran
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Craig Wilcox
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Sally J. Turner
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Dave Syverson
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Jason A. Barickman
- **2021-05-30** Added as Alternate Co-Sponsor Sen. Dan McConchie
- **2021-05-31** Senate Committee Amendment No. 1 House Concurs 117-000-001
- **2021-05-31** House Concurs
- **2021-05-31** Passed Both Houses
- **2021-05-31** Added Co-Sponsor Rep. Lamont J. Robinson, Jr.
- **2021-05-31** Added Co-Sponsor Rep. Dagmara Avelar
- **2021-06-29** Sent to the Governor `executive-receipt`
- **2021-08-26** Governor Approved `executive-signature`
- **2021-08-26** Effective Date August 26, 2021
- **2021-08-26** Public Act . . . . . . . . . 102-0583 `became-law`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/38460cab-eef4-4c7f-aeb9-105abc3b0564`. Confidence: reported (aggregated from official Illinois legislature records).
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