Fabio
109 lines
8.0 KiB
Markdown
109 lines
8.0 KiB
Markdown
---
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type: "Bill"
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title: "FRAUD-TARGETED INSURANCE SALES"
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description: "Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "104th"
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identifier: "HB 1865"
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citation: "Illinois HB 1865 (104th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Doris Turner", "Sue Scherer"]
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version_count: 4
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action_count: 37
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vote_count: 4
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first_action: "2025-01-29"
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last_action: "2025-08-01"
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source: "openstates"
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source_identifier: "ocd-bill/87b95083-bf5a-4765-a6a9-7d3b86e8f294"
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source_url: "https://ilga.gov/Legislation/BillStatus?DocNum=1865&GAID=18&DocTypeID=HB&LegId=159435&SessionID=114"
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source_hash: "28cc84bf7aa5193d4f61c046c820e0db1d3cfa40ecaafd2776829fab9a76c5c0"
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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 1865 (104th) — FRAUD-TARGETED INSURANCE SALES
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Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.
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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](https://ilga.gov/documents/legislation/104/HB/PDF/10400HB1865.pdf)
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2. **Engrossed** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/HB/PDF/10400HB1865eng.pdf)
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3. **House Amendment 001** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/HB/PDF/10400HB1865ham001.pdf)
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4. **Enrolled** (enrolled) — [source](https://ilga.gov/documents/legislation/104/HB/PDF/10400HB1865enr.pdf)
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## Votes
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- Consumer Protection — **7–0** (pass) · lower
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- Third Reading — **57–0** (pass) · upper
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- Third Reading — **104–0** (pass) · lower
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- Insurance — **9–0** (pass) · upper
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## Sponsors
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- Doris Turner — primary (person)
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- Sue Scherer — primary (person)
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- Amy Briel — cosponsor (person)
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- Christopher Belt — cosponsor (person)
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- Diane Blair-Sherlock — cosponsor (person)
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- Julie A. Morrison — cosponsor (person)
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- Laura Ellman — cosponsor (person)
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- Michael W. Halpin — cosponsor (person)
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- Stephanie A. Kifowit — cosponsor (person)
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- Suzy Glowiak Hilton — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2025-01-29** Filed with the Clerk by Rep. Sue Scherer `filing`
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- **2025-01-29** First Reading `reading-1`
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- **2025-01-29** Referred to Rules Committee
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- **2025-02-25** Assigned to Consumer Protection Committee `referral-committee`
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- **2025-03-04** House Committee Amendment No. 1 Filed with Clerk by Rep. Sue Scherer `amendment-introduction`
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- **2025-03-04** House Committee Amendment No. 1 Referred to Rules Committee
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- **2025-03-11** House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee
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- **2025-03-11** House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote `amendment-passage`
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- **2025-03-11** Do Pass as Amended / Short Debate Consumer Protection Committee; 007-000-000
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- **2025-03-12** Placed on Calendar 2nd Reading - Short Debate `reading-2`
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- **2025-03-18** Second Reading - Short Debate `reading-2`
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- **2025-03-18** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2025-03-18** Added Chief Co-Sponsor Rep. Amy Briel
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- **2025-03-18** Added Chief Co-Sponsor Rep. Diane Blair-Sherlock
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- **2025-03-18** Added Co-Sponsor Rep. Stephanie A. Kifowit
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- **2025-04-07** Third Reading - Short Debate - Passed 104-000-000 `passage, reading-3`
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- **2025-04-08** Arrive in Senate `introduction`
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- **2025-04-08** Placed on Calendar Order of First Reading April 9, 2025 `reading-1`
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- **2025-04-09** Chief Senate Sponsor Sen. Doris Turner
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- **2025-04-09** First Reading `reading-1`
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- **2025-04-09** Referred to Assignments
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- **2025-04-23** Assigned to Insurance `referral-committee`
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- **2025-04-30** Do Pass Insurance; 009-000-000
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- **2025-04-30** Placed on Calendar Order of 2nd Reading May 1, 2025 `reading-2`
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- **2025-05-01** Added as Alternate Chief Co-Sponsor Sen. Suzy Glowiak Hilton
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- **2025-05-01** Added as Alternate Co-Sponsor Sen. Michael W. Halpin
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- **2025-05-01** Second Reading `reading-2`
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- **2025-05-01** Placed on Calendar Order of 3rd Reading May 6, 2025
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- **2025-05-01** Added as Alternate Chief Co-Sponsor Sen. Christopher Belt
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- **2025-05-06** Added as Alternate Chief Co-Sponsor Sen. Laura Ellman
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- **2025-05-21** Added as Alternate Co-Sponsor Sen. Julie A. Morrison
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- **2025-05-21** Third Reading - Passed; 057-000-000 `passage, reading-3`
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- **2025-05-21** Passed Both Houses
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- **2025-06-17** Sent to the Governor `executive-receipt`
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- **2025-08-01** Governor Approved `executive-signature`
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- **2025-08-01** Effective Date January 1, 2026
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- **2025-08-01** Public Act . . . . . . . . . 104-0055 `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/87b95083-bf5a-4765-a6a9-7d3b86e8f294`. Confidence: reported (aggregated from official Illinois legislature records).
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