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---
type: "Bill"
title: "UCC ELECTRONIC FUND TRANSFER"
description: "Amends the Uniform Commercial Code. Provides that the Funds Transfers Article of the Code applies to certain funds transfers that are remittance transfers under the federal Electronic Fund Transfer Act. Provides that the federal Electronic Fund Transfer Act controls in the event of an inconsistency between that Act and the Funds Transfer Article of the Uniform Commercial Code."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "98th"
identifier: "SB 2186"
citation: "Illinois SB 2186 (98th)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 27
vote_count: 2
first_action: "2013-02-15"
last_action: "2013-08-16"
source: "openstates"
source_identifier: "ocd-bill/58dd2435-080c-4b43-b656-f5ced08fd8c2"
source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=2186&GAID=12&DocTypeID=SB&LegId=73774&SessionID=85&GA=98"
source_hash: "681cce7e156aa8cece681d4e8517e600f009fb73276ed5670e5ef6ab70e07fd9"
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 SB 2186 (98th) — UCC ELECTRONIC FUND TRANSFER
Amends the Uniform Commercial Code. Provides that the Funds Transfers Article of the Code applies to certain funds transfers that are remittance transfers under the federal Electronic Fund Transfer Act. Provides that the federal Electronic Fund Transfer Act controls in the event of an inconsistency between that Act and the Funds Transfer Article of the Uniform Commercial Code.
## 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=09800SB2186&GA=98&SessionId=85&DocTypeId=SB&LegID=73774&DocNum=2186&GAID=12&Session=&print=true)
2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09800SB2186eng&GA=98&SessionId=85&DocTypeId=SB&LegID=73774&DocNum=2186&GAID=12&Session=&print=true)
3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09800SB2186enr&GA=98&SessionId=85&DocTypeId=SB&LegID=73774&DocNum=2186&GAID=12&Session=&print=true)
## Votes
- Third Reading — **490** (pass) · upper
- Third Reading — **1100** (pass) · lower
## Sponsors
- Camille Y. Lilly — cosponsor (person)
- Don Harmon — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2013-02-15** Filed with Secretary by Sen. Don Harmon `filing`
- **2013-02-15** First Reading `reading-1`
- **2013-02-15** Referred to Assignments `referral-committee`
- **2013-03-05** Assigned to Judiciary `referral-committee`
- **2013-03-12** Do Pass Judiciary; 009-000-000 `committee-passage`
- **2013-03-12** Placed on Calendar Order of 2nd Reading March 13, 2013
- **2013-03-13** Second Reading `reading-2`
- **2013-03-13** Placed on Calendar Order of 3rd Reading March 14, 2013
- **2013-04-12** Third Reading - Passed; 049-000-000 `reading-3, passage`
- **2013-04-12** Arrived in House `introduction`
- **2013-05-01** Chief House Sponsor Rep. Mike Fortner
- **2013-05-01** First Reading `reading-1`
- **2013-05-01** Referred to Rules Committee `referral-committee`
- **2013-05-01** Assigned to Judiciary `referral-committee`
- **2013-05-08** Do Pass / Short Debate Judiciary; 016-000-000 `committee-passage`
- **2013-05-08** Placed on Calendar 2nd Reading - Short Debate
- **2013-05-09** Second Reading - Short Debate `reading-2`
- **2013-05-09** Placed on Calendar Order of 3rd Reading - Short Debate
- **2013-05-16** Added Alternate Chief Co-Sponsor Rep. Elgie R. Sims, Jr.
- **2013-05-16** Added Alternate Chief Co-Sponsor Rep. Monique D. Davis
- **2013-05-20** Third Reading - Short Debate - Passed 110-000-001 `reading-3, passage`
- **2013-05-20** Passed Both Houses
- **2013-05-20** Added Alternate Co-Sponsor Rep. Camille Y. Lilly
- **2013-06-18** Sent to the Governor `executive-receipt`
- **2013-08-16** Governor Approved `executive-signature`
- **2013-08-16** Effective Date January 1, 2014
- **2013-08-16** Public Act . . . . . . . . . 98-0498 `became-law`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/58dd2435-080c-4b43-b656-f5ced08fd8c2`. Confidence: reported (aggregated from official Illinois legislature records).