republic-os/legislation/us/states/il/103rd/hb-4891.md

---
type: "Bill"
title: "DENTAL THIRD-PARTY FINANCING"
description: "Amends the Illinois Dental Practice Act. Provides that a dentist, employee of a dentist, or agent of a dentist shall provide the patient with a written treatment plan that includes a description of each anticipated service to be provided and a good faith estimate of expected charges before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides a form that a dentist, employee of a dentist, or agent of a dentist must provide before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not complete any portion of an application for open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party that contains a deferred interest provision. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party if (i) the treatment has yet to be rendered or costs associated with the treatment have yet to be incurred; (ii) the dentist, employee of a dentist, or agent of a dentist has not provided the patient with a treatment plan, and informed the patient in writing about which costs associated with the treatment are being charged in advance; and (iii) that dentist's office arranged for, offered, brokered, or established the open-end credit, line of credit, or loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist shall, within 15 days business days of a patient's request or within 15 business days of the dentist, employee of a dentist, or agent of a dentist becoming aware of treatment that has not been rendered or costs that have not been incurred, whichever occurs first, refund to the lender any payment received through open-end credit, a line of credit, or a loan extended by a third party that is arranged for, offered, brokered, or established in that dentist's office. Provides that the Department of Financial and Professional Regulation may adopt rules to implement these provisions. Effective January 1, 2025."
jurisdiction: "us/states/il"
legislature: "Illinois General Assembly"
session: "103rd"
identifier: "HB 4891"
citation: "Illinois HB 4891 (103rd)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Margaret Croke", "Sara Feigenholtz"]
version_count: 4
action_count: 42
vote_count: 5
first_action: "2024-02-06"
last_action: "2024-08-02"
source: "openstates"
source_identifier: "ocd-bill/77b63e46-6301-4797-b4e3-79df0424700b"
source_url: "https://beta.ilga.gov/Legislation/BillStatus?DocNum=4891&GAID=17&DocTypeID=HB&LegId=152754&SessionID=112"
source_hash: "5ad7c813253fb1fdb99a7192284b041936a1d7bd98b722986f13a779c831e025"
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 4891 (103rd) — DENTAL THIRD-PARTY FINANCING

Amends the Illinois Dental Practice Act. Provides that a dentist, employee of a dentist, or agent of a dentist shall provide the patient with a written treatment plan that includes a description of each anticipated service to be provided and a good faith estimate of expected charges before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides a form that a dentist, employee of a dentist, or agent of a dentist must provide before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not complete any portion of an application for open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party that contains a deferred interest provision. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party if (i) the treatment has yet to be rendered or costs associated with the treatment have yet to be incurred; (ii) the dentist, employee of a dentist, or agent of a dentist has not provided the patient with a treatment plan, and informed the patient in writing about which costs associated with the treatment are being charged in advance; and (iii) that dentist's office arranged for, offered, brokered, or established the open-end credit, line of credit, or loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist shall, within 15 days business days of a patient's request or within 15 business days of the dentist, employee of a dentist, or agent of a dentist becoming aware of treatment that has not been rendered or costs that have not been incurred, whichever occurs first, refund to the lender any payment received through open-end credit, a line of credit, or a loan extended by a third party that is arranged for, offered, brokered, or established in that dentist's office. Provides that the Department of Financial and Professional Regulation may adopt rules to implement these provisions. Effective January 1, 2025.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB4891.pdf)
2. **Engrossed** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB4891eng.pdf)
3. **House Amendment 001** (committee substitute) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB4891ham001.pdf)
4. **Enrolled** (enrolled) — [source](https://beta.ilga.gov/documents/legislation/103/HB/PDF/10300HB4891enr.pdf)

## Votes

- Financial Institutions & Licensing — **7–3** (pass) · lower
- Third Reading — **71–35** (pass) · lower
- Third Reading — **55–1** (pass) · lower
- Financial Institutions — **7–1** (pass) · lower
- Financial Institutions & Licensing, Amendment 1 — **8–1** (pass) · lower

## Sponsors

- Margaret Croke — primary (person)
- Sara Feigenholtz — primary (person)
- Daniel Didech — cosponsor (person)
- Hoan Huynh — cosponsor (person)
- Jawaharial Williams — cosponsor (person)
- Joyce Mason — cosponsor (person)
- Kevin John Olickal — cosponsor (person)
- Lakesia Collins — cosponsor (person)
- Mike Porfirio — cosponsor (person)
- Mike Simmons — cosponsor (person)
- Robert Peters — cosponsor (person)
- Will Guzzardi — cosponsor (person)

## Timeline

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

- **2024-02-06** Filed with the Clerk by Rep. Margaret Croke `filing`
- **2024-02-07** First Reading `reading-1`
- **2024-02-07** Referred to Rules Committee
- **2024-02-08** Added Co-Sponsor Rep. Daniel Didech
- **2024-02-28** Assigned to Financial Institutions and Licensing Committee `referral-committee`
- **2024-03-06** Added Co-Sponsor Rep. Will Guzzardi
- **2024-03-06** Added Co-Sponsor Rep. Kevin John Olickal
- **2024-04-02** Do Pass / Short Debate Financial Institutions and Licensing Committee; 007-003-001
- **2024-04-03** Placed on Calendar 2nd Reading - Short Debate `reading-2`
- **2024-04-16** House Floor Amendment No. 1 Filed with Clerk by Rep. Margaret Croke `amendment-introduction`
- **2024-04-16** House Floor Amendment No. 1 Referred to Rules Committee
- **2024-04-17** House Floor Amendment No. 1 Rules Refers to Financial Institutions and Licensing Committee
- **2024-04-17** House Floor Amendment No. 1 Recommends Be Adopted Financial Institutions and Licensing Committee; 008-001-001 `committee-passage-favorable`
- **2024-04-17** Second Reading - Short Debate `reading-2`
- **2024-04-17** Held on Calendar Order of Second Reading - Short Debate `reading-2`
- **2024-04-18** House Floor Amendment No. 1 Adopted `amendment-passage`
- **2024-04-18** Placed on Calendar Order of 3rd Reading - Short Debate
- **2024-04-18** Third Reading - Short Debate - Passed 071-035-002 `passage, reading-3`
- **2024-04-18** Added Co-Sponsor Rep. Jawaharial Williams
- **2024-04-18** Added Co-Sponsor Rep. Hoan Huynh
- **2024-04-18** Added Co-Sponsor Rep. Joyce Mason
- **2024-04-19** Arrive in Senate `introduction`
- **2024-04-19** Placed on Calendar Order of First Reading `reading-1`
- **2024-04-19** Chief Senate Sponsor Sen. Sara Feigenholtz
- **2024-04-19** First Reading `reading-1`
- **2024-04-19** Referred to Assignments
- **2024-04-30** Assigned to Financial Institutions `referral-committee`
- **2024-04-30** Rule 2-10 Committee Deadline Established As May 10, 2024
- **2024-05-02** Added as Alternate Co-Sponsor Sen. Mike Simmons
- **2024-05-03** Added as Alternate Co-Sponsor Sen. Mike Porfirio
- **2024-05-08** Do Pass Financial Institutions; 007-001-000
- **2024-05-08** Placed on Calendar Order of 2nd Reading May 9, 2024 `reading-2`
- **2024-05-08** Added as Alternate Co-Sponsor Sen. Robert Peters
- **2024-05-08** Added as Alternate Co-Sponsor Sen. Lakesia Collins
- **2024-05-09** Second Reading `reading-2`
- **2024-05-09** Placed on Calendar Order of 3rd Reading
- **2024-05-16** Third Reading - Passed; 055-001-000 `passage, reading-3`
- **2024-05-16** Passed Both Houses
- **2024-06-13** Sent to the Governor `executive-receipt`
- **2024-08-02** Governor Approved `executive-signature`
- **2024-08-02** Effective Date January 1, 2025
- **2024-08-02** Public Act . . . . . . . . . 103-0733 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/77b63e46-6301-4797-b4e3-79df0424700b`. Confidence: reported (aggregated from official Illinois legislature records).