republic-os/legislation/us/states/il/102nd/hb-5220.md

---
type: "Bill"
title: "COLLECTION AGENCY ACT"
description: "Amends the Regulatory Sunset Act to remove the Collection Agency Act from the provisions of the Act. Amends the Financial Institutions Code. Sets forth the powers and duties of the Division of Financial Institutions of the Department of Financial and Professional Regulation. Amends the Collection Agency Act. Provides that no action may be filed against any licensee for violation of the terms of the Act or its rules unless the action is commenced within 5 years after the discovery of the alleged violation (rather than the occurrence of the alleged violation). Makes changes to provisions concerning definitions; unlicensed practice, violations, and civil penalties; application for original licensure; qualifications for licensure; fees; disciplinary action; communication in connection with debt collection; powers and duties of the Department; investigation, notice, and hearing; administrative review and venue; and expiration, renewal, and restoration of licenses. Repeals provisions concerning: informal conferences; the Collection Agency Licensing and Disciplinary Board; records of hearings; findings and recommendations; rehearings; appointment of hearing officers; orders or certified copies; restoration of licenses from discipline; and surrender of licenses. Makes other changes. Effective January 1, 2023."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "102nd"
identifier: "HB 5220"
citation: "Illinois HB 5220 (102nd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Ann Gillespie", "Mark L. Walker"]
version_count: 4
action_count: 32
vote_count: 2
first_action: "2022-01-27"
last_action: "2022-05-27"
source: "openstates"
source_identifier: "ocd-bill/25a1a165-d429-4e6b-bd68-10f7e4a18073"
source_url: "https://ilga.gov/legislation/BillStatus.asp?DocNum=5220&GAID=16&DocTypeID=HB&LegId=139722&SessionID=110&GA=102"
source_hash: "ad6cf11b2f1563e73601569f2356903d6b6b67fcf23cdfda9633918a92affb86"
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 5220 (102nd) — COLLECTION AGENCY ACT

Amends the Regulatory Sunset Act to remove the Collection Agency Act from the provisions of the Act. Amends the Financial Institutions Code. Sets forth the powers and duties of the Division of Financial Institutions of the Department of Financial and Professional Regulation. Amends the Collection Agency Act. Provides that no action may be filed against any licensee for violation of the terms of the Act or its rules unless the action is commenced within 5 years after the discovery of the alleged violation (rather than the occurrence of the alleged violation). Makes changes to provisions concerning definitions; unlicensed practice, violations, and civil penalties; application for original licensure; qualifications for licensure; fees; disciplinary action; communication in connection with debt collection; powers and duties of the Department; investigation, notice, and hearing; administrative review and venue; and expiration, renewal, and restoration of licenses. Repeals provisions concerning: informal conferences; the Collection Agency Licensing and Disciplinary Board; records of hearings; findings and recommendations; rehearings; appointment of hearing officers; orders or certified copies; restoration of licenses from discipline; and surrender of licenses. Makes other changes. Effective January 1, 2023.

## 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/10200HB5220.pdf)
2. **Engrossed** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB5220eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB5220ham001.pdf)
4. **Enrolled** (enrolled) — [source](https://ilga.gov/legislation/102/HB/PDF/10200HB5220enr.pdf)

## Votes

- Third Reading — **104–0** (pass) · lower
- Third Reading — **54–0** (pass) · upper

## Sponsors

- Ann Gillespie — primary (person)
- Mark L. Walker — primary (person)
- Katie Stuart — cosponsor (person)

## Timeline

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

- **2022-01-27** Filed with the Clerk by Rep. Mark L. Walker `filing`
- **2022-01-31** First Reading `reading-1`
- **2022-01-31** Referred to Rules Committee `referral-committee`
- **2022-02-09** Assigned to Executive Committee `referral-committee`
- **2022-02-16** Do Pass / Short Debate Executive Committee; 015-000-000 `committee-passage`
- **2022-02-17** Placed on Calendar 2nd Reading - Short Debate
- **2022-02-25** House Floor Amendment No. 1 Filed with Clerk by Rep. Mark L. Walker `amendment-introduction`
- **2022-02-25** House Floor Amendment No. 1 Referred to Rules Committee `referral-committee`
- **2022-03-01** Added Co-Sponsor Rep. Katie Stuart
- **2022-03-01** House Floor Amendment No. 1 Rules Refers to Executive Committee
- **2022-03-02** House Floor Amendment No. 1 Recommends Be Adopted Executive Committee; 015-000-000 `committee-passage-favorable`
- **2022-03-02** Second Reading - Short Debate `reading-2`
- **2022-03-02** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2022-03-03** House Floor Amendment No. 1 Adopted `amendment-passage`
- **2022-03-03** Placed on Calendar Order of 3rd Reading - Short Debate
- **2022-03-03** Third Reading - Short Debate - Passed 104-000-000 `passage, reading-3`
- **2022-03-04** Arrive in Senate `introduction`
- **2022-03-04** Placed on Calendar Order of First Reading March 8, 2022 `reading-1`
- **2022-03-08** Chief Senate Sponsor Sen. Ann Gillespie
- **2022-03-08** First Reading `reading-1`
- **2022-03-08** Referred to Assignments `referral-committee`
- **2022-03-16** Assigned to Financial Institutions `referral-committee`
- **2022-03-23** Do Pass Financial Institutions; 008-000-000 `committee-passage`
- **2022-03-23** Placed on Calendar Order of 2nd Reading
- **2022-03-24** Second Reading `reading-2`
- **2022-03-24** Placed on Calendar Order of 3rd Reading March 25, 2022
- **2022-03-31** Third Reading - Passed; 054-000-000 `passage, reading-3`
- **2022-03-31** Passed Both Houses
- **2022-04-28** Sent to the Governor `executive-receipt`
- **2022-05-27** Governor Approved `executive-signature`
- **2022-05-27** Effective Date January 1, 2023
- **2022-05-27** Public Act . . . . . . . . . 102-0975 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/25a1a165-d429-4e6b-bd68-10f7e4a18073`. Confidence: reported (aggregated from official Illinois legislature records).