Illinois General Assembly - Bill Status for HB 181

Amends the Credit Information in Personal Insurance Act. Provides that an insurer that uses credit information to underwrite risks shall not (i) take an adverse action against a consumer solely because he or she does not have a credit card account; (ii) take an adverse action against a consumer based on credit information, unless and until the insurer satisfies certain conditions, and (iii) use certain credit information as a negative factor in any insurance scoring methodology or in reviewing credit information for the purpose of underwriting or rating a policy of personal insurance. Provides that an insurer authorized to do business in this State may not take adverse action against a consumer who has tendered notice of an extraordinary life event unless and until the insurer has reviewed the consumer's notification and provided the consumer with a written explanation for its decision. Provides that if the insured has overpaid premium due to incorrect or incomplete credit information, the insurer shall refund to the insured the amount of overpayment calculated back to the shorter of either the last 12 months of coverage or the actual policy period. Provides that the insurer must provide the disclosure statement required under the provision each time the insurer obtains the consumer's credit report. Makes other changes. Effective immediately.

Date	Chamber	Action
1/11/2011	House	Session Sine Die

Date	Chamber	Action
1/13/2009	House	Prefiled with Clerk by Rep. Deborah L. Graham
1/14/2009	House	First Reading
1/14/2009	House	Referred to Rules Committee
2/4/2009	House	Assigned to Consumer Protection Committee
2/5/2009	House	Added Chief Co-Sponsor Rep. LaShawn K. Ford
2/5/2009	House	Moved to Suspend Rule 25 Rep. Barbara Flynn Currie
2/5/2009	House	Suspend Rule 25 - Prevailed
2/18/2009	House	Added Co-Sponsor Rep. Marlow H. Colvin
2/18/2009	House	Added Co-Sponsor Rep. Cynthia Soto
2/18/2009	House	Added Co-Sponsor Rep. André M. Thapedi
2/18/2009	House	Added Co-Sponsor Rep. William Davis
2/20/2009	House	Removed Co-Sponsor Rep. Marlow H. Colvin
3/10/2009	House	Do Pass / Short Debate Consumer Protection Committee; 008-005-000
3/11/2009	House	Placed on Calendar 2nd Reading - Short Debate
3/25/2009	House	Fiscal Note Filed
3/25/2009	House	Correctional Note Filed
3/25/2009	House	Judicial Note Filed
3/25/2009	House	State Debt Impact Note Filed
3/25/2009	House	Pension Note Filed
3/26/2009	House	Land Conveyance Appraisal Note Filed
3/26/2009	House	Balanced Budget Note Filed
3/27/2009	House	Home Rule Note Filed
3/27/2009	House	State Mandates Fiscal Note Filed
3/30/2009	House	Housing Affordability Impact Note Filed
3/30/2009	House	Fiscal Note Filed
4/1/2009	House	Second Reading - Short Debate
4/1/2009	House	Held on Calendar Order of Second Reading - Short Debate
4/3/2009	House	Added Chief Co-Sponsor Rep. James D. Brosnahan
4/3/2009	House	Rule 19(a) / Re-referred to Rules Committee
1/11/2011	House	Session Sine Die

	Fiscal Note (Dept of Corrections)
	There is no fiscal impact on the Department.

	Correctional Note (Dept of Corrections)
	There is no corrections population impact on the Department.

	Judicial Note (Admin. Office of the Illinois Courts)
	Would neither increase nor decrease the number of judges needed in the State.

	State Debt Impact Note (Commission on Gov. Forecasting & Accountability)
	Would not change the amount of authorization for any type of State-issued or State-supported bond, and therefore would not affect the level of State indebtedness.

	Pension Note (Commission on Gov. Forecasting & Accountability)
	Will have no fiscal impact on any pension fund or retirement system in the State of Illinois.

	Land Conveyance Appraisal Note (Dept. of Transportation)
	No land conveyances are included in this bill, therefore, there are no appraisals to be filed.

	Balanced Budget Note (Office of Management and Budget)
	HB 181 has no fiscal impact and adds no additional spending pressure to the General Revenue Fund or to the current Fiscal Year 2009 budget deficit.

	Home Rule Note (Dept. of Commerce & Economic Opportunity)
	This legislation does not pre-empt home rule authority.

	State Mandates Fiscal Note (Dept. of Commerce & Economic Opportunity)
	This legislation does not create a State mandate under the State Mandates Act.

	Housing Affordability Impact Note (Housing Development Authority)
	This bill will have no effect on the cost of constructing, purchasing, owning, or selling a single-family residence.

	Fiscal Note (Financial & Professional Regulation)
	HB 181 has no projected fiscal impact to the Illinois Department of Financial and Professional Regulation.