Illinois General Assembly - Bill Status for HB0181
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 Bill Status of HB0181  96th General Assembly


House Sponsors
Rep. Deborah L. Graham - LaShawn K. Ford - James D. Brosnahan, Cynthia Soto, André M. Thapedi and William Davis

Last Action
DateChamber Action
  1/11/2011HouseSession Sine Die

Statutes Amended In Order of Appearance
215 ILCS 157/20
215 ILCS 157/22
215 ILCS 157/25
215 ILCS 157/30

Synopsis As Introduced
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.

 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.

DateChamber Action
  1/13/2009HousePrefiled with Clerk by Rep. Deborah L. Graham
  1/14/2009HouseFirst Reading
  1/14/2009HouseReferred to Rules Committee
  2/4/2009HouseAssigned to Consumer Protection Committee
  2/5/2009HouseAdded Chief Co-Sponsor Rep. LaShawn K. Ford
  2/5/2009HouseMoved to Suspend Rule 25 Rep. Barbara Flynn Currie
  2/5/2009HouseSuspend Rule 25 - Prevailed
  2/18/2009HouseAdded Co-Sponsor Rep. Marlow H. Colvin
  2/18/2009HouseAdded Co-Sponsor Rep. Cynthia Soto
  2/18/2009HouseAdded Co-Sponsor Rep. André M. Thapedi
  2/18/2009HouseAdded Co-Sponsor Rep. William Davis
  2/20/2009HouseRemoved Co-Sponsor Rep. Marlow H. Colvin
  3/10/2009HouseDo Pass / Short Debate Consumer Protection Committee; 008-005-000
  3/11/2009HousePlaced on Calendar 2nd Reading - Short Debate
  3/25/2009HouseFiscal Note Filed
  3/25/2009HouseCorrectional Note Filed
  3/25/2009HouseJudicial Note Filed
  3/25/2009HouseState Debt Impact Note Filed
  3/25/2009HousePension Note Filed
  3/26/2009HouseLand Conveyance Appraisal Note Filed
  3/26/2009HouseBalanced Budget Note Filed
  3/27/2009HouseHome Rule Note Filed
  3/27/2009HouseState Mandates Fiscal Note Filed
  3/30/2009HouseHousing Affordability Impact Note Filed
  3/30/2009HouseFiscal Note Filed
  4/1/2009HouseSecond Reading - Short Debate
  4/1/2009HouseHeld on Calendar Order of Second Reading - Short Debate
  4/3/2009HouseAdded Chief Co-Sponsor Rep. James D. Brosnahan
  4/3/2009HouseRule 19(a) / Re-referred to Rules Committee
  1/11/2011HouseSession Sine Die

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