Fabio
106 lines
5.8 KiB
Markdown
106 lines
5.8 KiB
Markdown
---
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type: "Bill"
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title: "HIGH RISK LOAN PREPAYMENT"
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description: "Amends the High Risk Home Loan Act. Provides that the term \"high risk home loan\" includes certain loans that exceed an amount established by federal regulation. Defines the terms \"prepayment penalty\" and \"prepayment fees or penalties\". Effective immediately."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "99th"
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identifier: "HB 3101"
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citation: "Illinois HB 3101 (99th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: []
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version_count: 3
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action_count: 45
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vote_count: 3
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first_action: "2015-02-24"
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last_action: "2015-08-18"
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source: "openstates"
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source_identifier: "ocd-bill/ecc33189-29b2-4339-a17d-1daf042afd2d"
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source_url: "http://ilga.gov/legislation/BillStatus.asp?DocNum=3101&GAID=13&DocTypeID=HB&LegId=89239&SessionID=88&GA=99"
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source_hash: "59e1925907331134a3cd2b54507a96ca729dca168a9a08f4de2ff2897db36d37"
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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 3101 (99th) — HIGH RISK LOAN PREPAYMENT
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Amends the High Risk Home Loan Act. Provides that the term "high risk home loan" includes certain loans that exceed an amount established by federal regulation. Defines the terms "prepayment penalty" and "prepayment fees or penalties". 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](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3101&GA=99&SessionId=88&DocTypeId=HB&LegID=89239&DocNum=3101&GAID=13&Session=&print=true)
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2. **Engrossed** (committee substitute) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3101eng&GA=99&SessionId=88&DocTypeId=HB&LegID=89239&DocNum=3101&GAID=13&Session=&print=true)
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3. **Enrolled** (enrolled) — [source](http://ilga.gov/legislation/fulltext.asp?DocName=09900HB3101enr&GA=99&SessionId=88&DocTypeId=HB&LegID=89239&DocNum=3101&GAID=13&Session=&print=true)
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## Votes
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- Third Reading — **52–0** (pass) · upper
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- Third Reading — **104–0** (pass) · lower
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- Concurrence — **112–0** (pass) · lower
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## Sponsors
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- Marcus C. Evans, Jr. — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2015-02-24** Filed with the Clerk by Rep. Marcus C. Evans, Jr. `filing`
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- **2015-02-25** First Reading `reading-1`
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- **2015-02-25** Referred to Rules Committee `referral-committee`
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- **2015-03-10** Assigned to Consumer Protection Committee `referral-committee`
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- **2015-03-24** Do Pass / Short Debate Consumer Protection Committee; 014-000-000 `committee-passage`
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- **2015-03-25** Placed on Calendar 2nd Reading - Short Debate
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- **2015-04-16** Second Reading - Short Debate `reading-2`
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- **2015-04-16** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2015-04-17** Third Reading - Short Debate - Passed 104-000-001 `reading-3, passage`
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- **2015-04-17** Added Co-Sponsor Rep. Litesa E. Wallace
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- **2015-04-17** Added Co-Sponsor Rep. Eddie Lee Jackson, Sr.
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- **2015-04-17** Removed Co-Sponsor Rep. Litesa E. Wallace
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- **2015-04-21** Arrive in Senate `introduction`
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- **2015-04-21** Placed on Calendar Order of First Reading April 22, 2015 `reading-1`
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- **2015-04-22** Chief Senate Sponsor Sen. Michael E. Hastings
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- **2015-04-23** First Reading `reading-1`
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- **2015-04-23** Referred to Assignments `referral-committee`
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- **2015-05-07** Alternate Chief Sponsor Changed to Sen. John M. Sullivan
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- **2015-05-07** Assigned to Agriculture `referral-committee`
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- **2015-05-08** Senate Committee Amendment No. 1 Filed with Secretary by Sen. John M. Sullivan `amendment-introduction`
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- **2015-05-08** Senate Committee Amendment No. 1 Referred to Assignments `referral-committee`
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- **2015-05-12** Senate Committee Amendment No. 1 Assignments Refers to Agriculture
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- **2015-05-14** Senate Committee Amendment No. 1 Adopted `amendment-passage`
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- **2015-05-14** Do Pass as Amended Agriculture; 006-000-000 `committee-passage`
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- **2015-05-14** Placed on Calendar Order of 2nd Reading May 18, 2015
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- **2015-05-20** Second Reading `reading-2`
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- **2015-05-20** Placed on Calendar Order of 3rd Reading May 21, 2015
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- **2015-05-22** Third Reading - Passed; 052-000-000 `reading-3, passage`
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- **2015-05-22** Arrived in House `introduction`
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- **2015-05-22** Placed on Calendar Order of Concurrence Senate Amendment(s) 1
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- **2015-05-22** Senate Committee Amendment No. 1 Motion Filed Concur Rep. Marcus C. Evans, Jr.
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- **2015-05-22** Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee `referral-committee`
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- **2015-05-25** Senate Committee Amendment No. 1 Motion to Concur Rules Referred to Agriculture & Conservation Committee `referral-committee`
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- **2015-05-27** Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Agriculture & Conservation Committee; 016-000-000
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- **2015-05-27** Added Co-Sponsor Rep. Donald L. Moffitt
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- **2015-05-27** Added Co-Sponsor Rep. Randy E. Frese
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- **2015-05-27** Added Co-Sponsor Rep. Thaddeus Jones
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- **2015-05-27** Added Co-Sponsor Rep. Linda Chapa LaVia
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- **2015-05-31** Senate Committee Amendment No. 1 House Concurs 112-002-000
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- **2015-05-31** House Concurs
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- **2015-05-31** Passed Both Houses
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- **2015-06-29** Sent to the Governor `executive-receipt`
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- **2015-08-18** Governor Approved `executive-signature`
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- **2015-08-18** Effective Date August 18, 2015
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- **2015-08-18** Public Act . . . . . . . . . 99-0389 `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/ecc33189-29b2-4339-a17d-1daf042afd2d`. Confidence: reported (aggregated from official Illinois legislature records).
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