Date	Chamber	Action
8/18/2009	House	Public Act . . . . . . . . . 96-0560

Statutes Amended In Order of Appearance

205 ILCS 635/5-10.5 new

215 ILCS 157/20

220 ILCS 5/8-101.5 new

Synopsis As Introduced
Amends the Residential Mortgage License Act of 1987. In a Section concerning lending procedures, provides that a licensee may not deny an application for a mortgage solely on the basis of credit information of prospective customers. Provides that if a licensee denies a mortgage application based on credit information, it must provide the affected party with an explanation for the licensee's action and an opportunity for the affected party to explain its credit information. Amends the Use of Credit Information in Personal Insurance Act. In a Section concerning the use of personal credit information, provides that if an insurer denies, cancels, or does not renew a policy of personal insurance based on credit information, it must provide the affected party with an explanation for the insurer's action and an opportunity for the affected party to explain its credit information. Amends the Public Utilities Act. Provides that a public utility may not deny, cancel, or nonrenew utility service solely on the basis of credit information of prospective or existing customers. Provides that if a public utility denies, cancels, or does not renew service based on credit information, it must provide the affected party with an explanation for the public utility's action and an opportunity for the affected party to explain its credit information. Effective immediately.

House Committee Amendment No. 1

	Deletes reference to:
	205 ILCS 635/5-10.5 new

Replaces everything after the enacting clause. Amends the Use of Credit Information in Personal Insurance Act. In a Section concerning the use of personal credit information, provides that if an insurer denies, cancels, or does not renew a policy of personal insurance based on credit information, it must provide the affected party with an explanation for the insurer's action and an opportunity for the affected party to explain its credit information. Amends the Public Utilities Act. Provides that a public utility may not deny, cancel, or nonrenew utility service solely on the basis of credit information of prospective or existing customers. Provides that if a public utility denies, cancels, or does not renew service based on credit information, it must provide the affected party with an explanation for the public utility's action and an opportunity for the affected party to explain its credit information. Effective immediately.

House Floor Amendment No. 2
Provides that the prohibition against a public utility using credit information to deny, cancel, or nonrenew utility service does not apply to a telecommunications carrier or any of its affiliates.

Senate Committee Amendment No. 1
Replaces everything after the enacting clause. Amends the Use of Credit Information in Personal Insurance Act. In a Section concerning the use of personal credit information, provides that if an insurer denies, cancels, or does not renew a policy of personal insurance based on credit information, it must provide the affected party with a notice as described in the provisions of the Act concerning adverse action notification and an opportunity for the affected party to explain its credit information under the procedures outlined in the provisions of the Act concerning extraordinary life events. Removes language concerning the use of personal credit information. Provides that an insurer that uses credit information to underwrite or rate risks shall, at annual renewal upon the request of an insured or an insured's agent, re-underwrite and re-rate the insured's personal insurance policy based on a current credit report or insurance score unless specified criteria are met. Amends the Public Utilities Act. Provides that a public utility may not deny, cancel, or nonrenew utility service solely on the basis of credit information of prospective or existing customers. Provides that if a public utility denies, cancels, or does not renew service based on credit information, it must provide the affected party with an explanation for the public utility's action and an opportunity for the affected party to explain its credit information. Provides that the prohibition against a public utility using credit information to deny, cancel, or nonrenew utility service does not apply to a telecommunications carrier or any of its affiliates. Effective immediately.

Actions 

Date	Chamber	Action
2/3/2009	House	Filed with the Clerk by Rep. Monique D. Davis
2/3/2009	House	First Reading
2/3/2009	House	Referred to Rules Committee
2/9/2009	House	Assigned to Executive Committee
2/19/2009	House	House Committee Amendment No. 1 Filed with Clerk by Executive Committee
2/19/2009	House	House Committee Amendment No. 1 Adopted in Executive Committee; by Voice Vote
2/19/2009	House	Do Pass as Amended / Short Debate Executive Committee; 010-000-000
2/19/2009	House	Placed on Calendar 2nd Reading - Short Debate
2/20/2009	House	House Floor Amendment No. 2 Filed with Clerk by Rep. Monique D. Davis
2/20/2009	House	House Floor Amendment No. 2 Referred to Rules Committee
2/24/2009	House	House Floor Amendment No. 2 Recommends Be Adopted Rules Committee; 004-000-000
2/24/2009	House	Second Reading - Short Debate
2/24/2009	House	House Floor Amendment No. 2 Adopted by Voice Vote
2/24/2009	House	Placed on Calendar Order of 3rd Reading - Short Debate
3/5/2009	House	Added Chief Co-Sponsor Rep. LaShawn K. Ford
3/5/2009	House	Third Reading - Short Debate - Passed 072-035-002
3/6/2009	Senate	Arrive in Senate
3/6/2009	Senate	Placed on Calendar Order of First Reading March 10, 2009
3/6/2009	Senate	Chief Senate Sponsor Sen. William R. Haine
3/10/2009	Senate	First Reading
3/10/2009	Senate	Referred to Assignments
4/28/2009	Senate	Assigned to Insurance
4/30/2009	Senate	Senate Committee Amendment No. 1 Filed with Secretary by Sen. William R. Haine
4/30/2009	Senate	Senate Committee Amendment No. 1 Referred to Assignments
5/5/2009	Senate	Senate Committee Amendment No. 1 Assignments Refers to Insurance
5/6/2009	Senate	Senate Committee Amendment No. 1 Adopted
5/7/2009	Senate	Do Pass as Amended Insurance; 012-000-000
5/7/2009	Senate	Placed on Calendar Order of 2nd Reading May 12, 2009
5/14/2009	Senate	Second Reading
5/14/2009	Senate	Placed on Calendar Order of 3rd Reading May 15, 2009
5/15/2009	Senate	Third Reading - Passed; 052-000-000
5/15/2009	House	Arrived in House
5/15/2009	House	Placed on Calendar Order of Concurrence Senate Amendment(s) 1
5/18/2009	House	Senate Committee Amendment No. 1 Motion Filed Concur Rep. Monique D. Davis
5/18/2009	House	Senate Committee Amendment No. 1 Motion to Concur Referred to Rules Committee
5/19/2009	House	Senate Committee Amendment No. 1 Motion to Concur Recommends Be Adopted Rules Committee; 004-000-000
5/22/2009	House	Senate Committee Amendment No. 1 House Concurs 110-000-000
5/22/2009	House	Passed Both Houses
6/19/2009	House	Sent to the Governor
8/18/2009	House	Governor Approved
8/18/2009	House	Effective Date August 18, 2009
8/18/2009	House	Public Act . . . . . . . . . 96-0560

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