Rep. Nicole La Ha
Filed: 4/14/2026
 
 

 
 

 
10400HB4659ham001LRB104 17719 RLC 36745 a

1
AMENDMENT TO HOUSE BILL 4659 

2    AMENDMENT NO. ______. Amend House Bill 4659 by replacing 
3everything after the enacting clause with the following:
 
4    "Section 5. The Consumer Installment Loan Act is amended 
5by adding Section 20.8 as follows:
 
6    (205 ILCS 670/20.8 new)
7    Sec. 20.8. Coerced debt.
8    (a) In this Section, "coerced debt" means any debt 
9incurred through a loan subject to this Act or a portion of the 
10debt, except for debt secured by real property, that was 
11incurred by the debtor because of fraud, duress, intimidation, 
12threat, force, coercion, undue influence, or the 
13non-consensual use of the debtor's personal identifying 
14information between family or household members, as defined in 
15Section 103 of the Illinois Domestic Violence Act of 1986, as a 
16result of abuse or exploitation, as defined in Section 103 of 
 
 
10400HB4659ham001- 2 -LRB104 17719 RLC 36745 a

1the Illinois Domestic Violence Act of 1986, or due to human 
2trafficking, as defined in subsections (b), (c), and (d) of 
3Section 10-9 of the Criminal Code of 2012.
4    (b) In any lawsuit or arbitration to collect a debt, 
5subject to this Act, it is an affirmative defense that the debt 
6is or is partially coerced debt to the plaintiff and the court 
7or arbitrator.
8    (c) A plaintiff has the burden to disprove the debtor's 
9defense by a preponderance of the evidence.".