Fabio
90 lines
4.5 KiB
Markdown
90 lines
4.5 KiB
Markdown
---
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type: "Bill"
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title: "MORTGAGE DEBT-RELEASE"
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description: "Amends the Mortgage Act. Provides that the Act does not abrogate the Illinois common law that the payment in full of a debt secured by a mortgage extinguishes the lien. Provides that payment in full of a debt secured by a mortgage pursuant to a payoff statement, as defined in the Mortgage Certificate of Release Act, issued by or on behalf of the holder of the indebtedness extinguishes the lien of the mortgage. Effective immediately."
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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: "SB 1443"
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citation: "Illinois SB 1443 (104th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Daniel Didech", "Michael E. Hastings"]
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version_count: 3
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action_count: 27
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vote_count: 4
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first_action: "2025-01-31"
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last_action: "2025-08-01"
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source: "openstates"
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source_identifier: "ocd-bill/02a17e44-fc75-4a31-a69b-cbc8155aaed1"
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source_url: "https://ilga.gov/Legislation/BillStatus?DocNum=1443&GAID=18&DocTypeID=SB&LegId=159988&SessionID=114"
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source_hash: "45df8444f72e0fd8e922d4335ad6d581c3f33e19685776049915fabbb76e16b3"
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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 SB 1443 (104th) — MORTGAGE DEBT-RELEASE
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Amends the Mortgage Act. Provides that the Act does not abrogate the Illinois common law that the payment in full of a debt secured by a mortgage extinguishes the lien. Provides that payment in full of a debt secured by a mortgage pursuant to a payoff statement, as defined in the Mortgage Certificate of Release Act, issued by or on behalf of the holder of the indebtedness extinguishes the lien of the mortgage. Effective immediately.
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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/SB/PDF/10400SB1443.pdf)
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2. **Engrossed** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB1443eng.pdf)
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3. **Enrolled** (enrolled) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB1443enr.pdf)
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## Votes
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- Third Reading — **113–0** (pass) · lower
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- Third Reading — **56–0** (pass) · upper
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- Third Reading — **19–0** (pass) · lower
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- Judiciary — **6–0** (pass) · upper
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## Sponsors
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- Daniel Didech — primary (person)
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- Michael E. Hastings — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2025-01-31** Filed with Secretary by Sen. Michael E. Hastings `filing`
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- **2025-01-31** First Reading `reading-1`
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- **2025-01-31** Referred to Assignments
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- **2025-02-11** Assigned to Judiciary `referral-committee`
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- **2025-02-20** Do Pass Judiciary; 006-000-000
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- **2025-02-20** Placed on Calendar Order of 2nd Reading February 25, 2025 `reading-2`
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- **2025-02-27** Second Reading `reading-2`
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- **2025-02-27** Placed on Calendar Order of 3rd Reading March 4, 2025
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- **2025-04-04** Placed on Calendar Order of 3rd Reading **
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- **2025-04-09** Placed on Calendar Order of 3rd Reading
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- **2025-04-09** Third Reading - Passed; 056-000-000 `passage, reading-3`
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- **2025-04-09** Arrived in House `introduction`
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- **2025-04-10** Chief House Sponsor Rep. Daniel Didech
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- **2025-04-10** First Reading `reading-1`
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- **2025-04-10** Referred to Rules Committee
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- **2025-04-17** Assigned to Judiciary - Civil Committee `referral-committee`
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- **2025-04-23** Do Pass / Short Debate Judiciary - Civil Committee; 019-000-000
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- **2025-04-23** Placed on Calendar 2nd Reading - Short Debate `reading-2`
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- **2025-05-16** Second Reading - Short Debate `reading-2`
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- **2025-05-16** Held on Calendar Order of Second Reading - Short Debate `reading-2`
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- **2025-05-22** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2025-05-22** Third Reading - Short Debate - Passed 113-000-000 `passage, reading-3`
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- **2025-05-22** Passed Both Houses
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- **2025-06-20** 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 August 1, 2025
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- **2025-08-01** Public Act . . . . . . . . . 104-0101 `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/02a17e44-fc75-4a31-a69b-cbc8155aaed1`. Confidence: reported (aggregated from official Illinois legislature records).
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