104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
HB4479
 
Introduced 1/20/2026, by Rep. Anne Stava
 
SYNOPSIS AS INTRODUCED:
 
815 ILCS 505/MMMM new
    Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not knowingly mail or send or cause to be mailed or sent a letter or postcard to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money, if the letter or postcard: (1) contains language that states or implies that any response by a consumer is required; or (2) resembles a check or tax document published and mailed by the Internal Revenue Service or the Department of Revenue. Provides that any letter or postcard mailed or sent to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money shall be sent in a white envelope or postcard and include specified disclosures. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.


LRB104 17943 SPS 31380 b

 
 
A BILL FOR
 
HB4479LRB104 17943 SPS 31380 b

1    AN ACT concerning business.
 
2    Be it enacted by the People of the State of Illinois, 
3represented in the General Assembly:
 
4    Section 5. The Consumer Fraud and Deceptive Business 
5Practices Act is amended by adding Section MMMM as follows:
 
6    (815 ILCS 505/MMMM new)
7    Sec. MMMM. Loan solicitation disclosure. 
8    (a) A person shall not knowingly mail or send or cause to 
9be mailed or sent a letter or postcard to a recipient in this 
10State for the purpose of soliciting or inducing the recipient 
11to borrow money, if the letter or postcard:
12        (1) contains language that states or implies that any 
13    response by a consumer is required, imminently or 
14    otherwise, including, but not limited to, the use of the 
15    terms "urgent", "action required", "materials inspected", 
16    "time sensitive", or "important account information 
17    enclosed"; or
18        (2) resembles a check or tax document published and 
19    mailed by the Internal Revenue Service or the Department 
20    of Revenue.
21    (b) Any letter or postcard mailed or sent to a recipient in 
22this State for the purpose of soliciting or inducing the 
23recipient to borrow money shall be sent in a white envelope or 
 
 
HB4479- 2 -LRB104 17943 SPS 31380 b

1postcard and include a disclosure stating "THIS IS A LOAN 
2SOLICITATION". The letter or postcard shall also include the 
3name and address of the person or entity who would be the 
4creditor of the loan. All disclosures and disclaimers 
5appearing on a letter or postcard shall be conspicuously 
6located at the top of the letter or postcard and on the 
7exterior of the letter's envelope, be easily readable in clear 
8and unambiguous language, and be printed in at least 14-point 
9bold-face font in a black-outlined box.
10    (c) A violation of this Section constitutes an unlawful 
11practice within the meaning of this Act.