HB0226
View on ILGABUSINESS-TECH
What this bill does
Amends the Illinois Fairness in Lending Act. Makes a technical change in a Section concerning the short title.
Stuck
P(Advance)
Chance it ever
reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
Chance it becomes
law given where it is now (stage, momentum).
Forecast
Low
P(law) at intro —
sponsor & topic only; no progress or delay.
Confidence: 66%
Calculating prediction drivers...
Pipeline Progress
Current stage: In Committee · Last action 495 days ago · STAGNANT
How does a bill become law in Illinois?
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Introduction of Bill
A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.
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Committee Work — Hearings
The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.
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Committee Work — Markup, Amendments, Report
The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.
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Floor Debate
The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.
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Passage and Consideration in Second Chamber
If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.
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Gubernatorial Action
The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.
Sponsor Context
Campaign finance
This is SBE campaign receipts to the people on this bill, not Moneyball and not earmarked to the bill.
Money is campaign receipts to matched candidate committees, not earmarked to this bill. Window 2025-01-01 – 2026-09-13.
$3,570,156.09
Across sponsors / voters
10
Members with trails
25
Overlapping donors
Sponsor and voter funding
| Member | Role | Receipts | Total received | Top donors |
|---|---|---|---|---|
| Rick Ryan | Chief sponsor | 156 | $169,068.00 | Friends of Bill Cunningham ($15,000.00); Chicago Land Operators Joint Labor-Management PAC ($9,000.00); LIUNA Chicago Laborers District Council Political Action Committee ($5,000.00) |
| Jay Hoffman | Sponsor | 596 | $1,347,336.12 | IBEW Illinois PAC ($77,800.00); Illinois Pipe Trades PEF ($72,800.00); Illinois Laborers' Legislative Committee ($72,800.00) |
| Norine K. Hammond | Sponsor | 298 | $716,889.27 | House Republican Organization ($141,779.06); I.P.A.C.E. ($72,800.00); Women's Leadership Coalition PAC ($69,023.30) |
| Tom Weber | Sponsor | 65 | $44,433.25 | Citizens for Colonel Craig Wilcox ($5,000.00); House Republican Organization ($3,500.00); Ameren Illinois ($3,000.00) |
| Matt Hanson | Sponsor | 62 | $252,798.63 | Democrats for the Illinois House ($92,533.01); LIUNA Chicago Laborers District Council ($75,800.00); Citizens for Linda Holmes ($10,000.00) |
| Nicolle Grasse | Sponsor | 109 | $337,169.54 | LIUNA Chicago Laborers' District Council PAC ($75,800.00); Carpentry Advancement Political Action Committee Fund ($73,800.00); I.P.A.C.E. ($52,500.00) |
| Martha Deuter | Sponsor | 86 | $81,322.80 | Chicagoland Operators Joint Labor-Management PAC ($9,000.00); Democrats for the Illinois House ($6,722.80); IPACE ($6,000.00) |
| Sue Scherer | Sponsor | 76 | $166,498.00 | Illinois Laborers' Legislative Committee ($15,000.00); Operating Engineers ($13,500.00); Downstate Operators Joint Labor-Management PAC ($12,500.00) |
| Hoan Huynh | Sponsor | 27 | $25,467.34 | Fred Eychaner ($7,300.00); Mohamad Atieh ($2,500.00); Park To Shop ($2,000.00) |
| Suzy Glowiak Hilton | Sponsor | 142 | $429,173.14 | I.P.A.C.E. ($78,800.00); Carpentry Advancement PAC ($72,800.00); LIUNA Chicago Laborers' District Council PAC ($72,800.00) |
Overlapping donors
Donors who gave to more than one sponsor or voter on this bill. Still not earmarked to the bill.
| Donor | Members | Total |
|---|---|---|
| I.P.A.C.E. | Norine K. Hammond, Suzy Glowiak Hilton, Nicolle Grasse | $204,100.00 |
| LIUNA Chicago Laborers' District Council PAC | Suzy Glowiak Hilton, Nicolle Grasse | $148,600.00 |
| House Republican Organization | Norine K. Hammond, Tom Weber | $145,279.06 |
| Democrats for the Illinois House | Matt Hanson, Nicolle Grasse, Martha Deuter | $103,833.89 |
| Illinois Laborers' Legislative Committee | Sue Scherer, Jay Hoffman, Suzy Glowiak Hilton | $100,300.00 |
| IBEW Illinois PAC | Jay Hoffman, Rick Ryan | $78,800.00 |
| Carpentry Advancement Political Action Committee Fund | Nicolle Grasse, Martha Deuter | $76,800.00 |
| Carpentry Advancement PAC | Sue Scherer, Suzy Glowiak Hilton | $74,800.00 |
| CAR of Illinois | Jay Hoffman, Suzy Glowiak Hilton, Nicolle Grasse, Rick Ryan | $47,000.00 |
| Chicago Land Operators Joint Labor-Management PAC | Norine K. Hammond, Sue Scherer, Jay Hoffman, Matt Hanson, Nicolle Grasse, Rick Ryan | $47,000.00 |
| J & J Ventures Gaming LLC | Norine K. Hammond, Sue Scherer, Jay Hoffman, Matt Hanson | $33,200.00 |
| Citizens for Linda Holmes | Suzy Glowiak Hilton, Matt Hanson | $30,000.00 |
| Realtor PAC | Norine K. Hammond, Suzy Glowiak Hilton | $28,500.00 |
| SEIU HealthCare IL IN PAC | Sue Scherer, Nicolle Grasse | $26,650.00 |
| Illinois State Medical Society PAC | Norine K. Hammond, Jay Hoffman, Suzy Glowiak Hilton, Martha Deuter | $25,000.00 |
| Ameren Illinois | Norine K. Hammond, Sue Scherer, Jay Hoffman, Suzy Glowiak Hilton, Tom Weber, Matt Hanson, Martha Deuter | $23,918.39 |
| Associated Beer Distributors of Illinois PAC | Jay Hoffman, Nicolle Grasse, Martha Deuter | $23,500.00 |
| Downstate Operators Joint Labor-Management PAC | Sue Scherer, Jay Hoffman | $22,500.00 |
| Accel Entertainment Gaming LLC | Norine K. Hammond, Jay Hoffman, Tom Weber, Martha Deuter, Rick Ryan | $21,000.00 |
| Comcast | Jay Hoffman, Suzy Glowiak Hilton, Matt Hanson, Rick Ryan | $20,000.00 |
| Associated Beer Distributors of IL PAC | Norine K. Hammond, Suzy Glowiak Hilton | $18,608.74 |
| Sports Betting Alliance | Norine K. Hammond, Sue Scherer, Jay Hoffman, Suzy Glowiak Hilton, Tom Weber, Matt Hanson | $17,500.00 |
| Illinois Federation of Teachers COPE | Norine K. Hammond, Sue Scherer, Jay Hoffman, Suzy Glowiak Hilton, Matt Hanson, Nicolle Grasse, Martha Deuter, Rick Ryan | $16,000.00 |
| Midwest Gaming & Entertainment, LLC | Jay Hoffman, Suzy Glowiak Hilton | $15,000.00 |
| Associated Fire Fighters of IL PAC Fund | Norine K. Hammond, Nicolle Grasse, Rick Ryan | $14,750.00 |
Top donors across these members
| Donor | Occupation | Employer | Receipts | Total |
|---|---|---|---|---|
| I.P.A.C.E. | — | — | 10 | $204,100.00 |
| LIUNA Chicago Laborers' District Council PAC | — | — | 3 | $148,600.00 |
| House Republican Organization | — | — | 35 | $145,279.06 |
| Democrats for the Illinois House | — | — | 10 | $103,833.89 |
| Illinois Laborers' Legislative Committee | — | — | 7 | $100,300.00 |
| IBEW Illinois PAC | — | — | 9 | $78,800.00 |
| Carpentry Advancement Political Action Committee Fund | — | — | 8 | $76,800.00 |
| LIUNA Chicago Laborers District Council | — | — | 2 | $75,800.00 |
| Carpentry Advancement PAC | — | — | 5 | $74,800.00 |
| Illinois Pipe Trades PEF | — | — | 2 | $72,800.00 |
| Women's Leadership Coalition PAC | — | — | 3 | $69,023.30 |
| United Assn of Journeymen & Il Pipe Trades Assn Pac | — | — | 2 | $55,000.00 |
| Get Illinois Right PAC | — | — | 4 | $47,460.91 |
| CAR of Illinois | — | — | 9 | $47,000.00 |
| Chicago Land Operators Joint Labor-Management PAC | — | — | 14 | $47,000.00 |
| Illinois Political Action Committee for Education (I.P.A.C.E.) | — | — | 2 | $47,000.00 |
| J & J Ventures Gaming LLC | — | — | 6 | $33,200.00 |
| Citizens for Linda Holmes | — | — | 2 | $30,000.00 |
| Realtor PAC | — | — | 5 | $28,500.00 |
| SEIU HealthCare IL IN PAC | — | — | 3 | $26,650.00 |
| Realtors Political Action Committee (RPAC) | — | — | 5 | $25,000.00 |
| Illinois State Medical Society PAC | — | — | 9 | $25,000.00 |
| I.P.A.C.E | — | — | 1 | $25,000.00 |
| Ameren Illinois | — | — | 15 | $23,918.39 |
| Associated Beer Distributors of Illinois PAC | — | — | 5 | $23,500.00 |
Hearings
This bill has not been scheduled for a committee hearing.
Roll-call votes
Total votes and outcome per event. Deciding vote = margin of 1; those voters on the winning side could have changed the outcome by flipping.
| Date | Chamber | Type | Description | Yea | Nay | Present | NV | Outcome | Margin | Deciding voters |
|---|---|---|---|---|---|---|---|---|---|---|
| H | Committee | Consumer Protection | 8 | 0 | 0 | 1 | Passed | 8 | — | |
| H | Floor | Third Reading | 106 | 0 | 0 | 12 | Passed | 106 | — |
Action History
36 actions recorded. Last action: 2025-06-02 — Rule 3-9(a) / Re-referred toAssignments. Each action's meaning and outcome signal are classified automatically.
2024-12-16
Introduction & Filing
Prefiled with Clerk byRep. Emanuel "Chris" Welch Senate Rule 5-1(d); House Rule 37(d)
Bill submitted before the legislative session officially begins. No impact on outcome yet.
2025-01-09
Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2025-01-09
Committee Assignment
Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-03-04
Committee Assignment
Assigned toExecutive Committee Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.
2025-03-05
Amendment Actions
House Committee Amendment No. 1 Filed with Clerk byRep. Jay Hoffman
[Amendment] Amendment sub-action.
2025-03-05
Amendment Actions
House Committee Amendment No. 1 Referred toRules Committee
[Amendment] Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-03-11
Committee Assignment
Re-assigned toConsumer Protection Committee Senate Rule 3-8(d); House Rule 18(f)
Bill moved from one substantive committee to another. Can indicate strategic maneuvering or jurisdictional correction.
2025-03-11
Amendment Actions
House Committee Amendment No. 1 Rules Refers toConsumer Protection Committee
[Amendment] Amendment sub-action.
2025-03-18
Cross-Chamber
Chief Sponsor Changed toRep. Jay Hoffman Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Chief sponsor changed — may indicate leadership taking ownership or a strategic handoff.
2025-03-18
Amendment Actions
House Committee Amendment No. 1 Adopted inConsumer Protection Committee; by Voice Vote
[Amendment] Amendment sub-action.
2025-03-18
Committee Action
Positive
Do Pass as Amended / Short DebateConsumer Protection Committee; 008-000-000 Rule 3-11(a)(1), Rule 3-12(a)
Committee recommends passage. The most important positive gate — majority of bills never get here.
2025-03-19
Co-Sponsorship
Mild +
Added Chief Co-SponsorRep. Norine K. Hammond Senate Rule 5-1(a); House Rule 37(a)
Chief co-sponsor added.
2025-03-19
Co-Sponsorship
Mild +
Added Co-SponsorRep. Tom Weber Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-03-19
Floor Process
Positive
Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill placed on the Second Reading calendar. Positive — bill is queued for floor action.
2025-03-25
Floor Process
Positive
Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1)
Bill reaches the floor amendment stage on Short Debate calendar. Major milestone — bill has passed committee and is on the floor.
2025-03-25
Floor Process
Positive
Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-03-26
Cross-Chamber
Chief Sponsor Changed toRep. Rick Ryan Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Chief sponsor changed — may indicate leadership taking ownership or a strategic handoff.
2025-03-26
Co-Sponsorship
Mild +
Added Chief Co-SponsorRep. Jay Hoffman Senate Rule 5-1(a); House Rule 37(a)
Chief co-sponsor added.
2025-03-26
Co-Sponsorship
Mild +
Added Co-SponsorRep. Matt Hanson Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-07
Floor Vote
Positive
Third Reading - Short Debate - Passed106-000-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50
Bill PASSED on Short Debate Third Reading. Bill cleared the chamber.
2025-04-07
Co-Sponsorship
Mild +
Added Co-SponsorRep. Nicolle Grasse Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-07
Co-Sponsorship
Mild +
Added Co-SponsorRep. Martha Deuter Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-08
Cross-Chamber
Positive
Arrive in Senate Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
House bill arrives in the Senate after passing the House.
2025-04-08
Procedural
Placed on Calendar Order of First Reading Senate Rule 4-4/7-4; House Rule 31/54
Bill queued for First Reading in the second chamber.
2025-04-09
Cross-Chamber
Positive
Chief Senate SponsorSen. Don Harmon Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Senate sponsor assigned for a House bill.
2025-04-09
Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2025-04-09
Committee Assignment
Referred toAssignments Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-04-10
Co-Sponsorship
Mild +
Added Co-SponsorRep. Sue Scherer Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-14
Co-Sponsorship
Mild +
Added Co-SponsorRep. Hoan Huynh Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-23
Committee Assignment
Assigned toJudiciary Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.
2025-04-25
Cross-Chamber
Alternate Chief Sponsor Changed toSen. Suzy Glowiak Hilton Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Alternate chief sponsor designated.
2025-04-30
Committee Action
Postponed -Judiciary Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-07
Committee Action
Postponed -Judiciary Senate Rule 3-11; House Rule 22
Committee hearing postponed. Routine procedural action — does NOT mean the bill is dead. Sponsor may be gathering votes or negotiating amendments.
2025-05-09
Deadlines & Re-referrals
Rule 2-10 Committee Deadline Established As May 23, 2025 Rule 2-10(a)(3-4)
Senate committee deadline set or extended. Procedural — establishes when the bill must be voted out of committee.
2025-05-23
Deadlines & Re-referrals
Rule 2-10 Committee Deadline Established As June 1, 2025 Rule 2-10(a)(3-4)
Senate committee deadline set or extended. Procedural — establishes when the bill must be voted out of committee.
2025-06-02
Deadlines & Re-referrals
Mild −
Rule 3-9(a) / Re-referred toAssignments Rule 3-9(a)
Senate procedural rule — bill re-referred to Assignments for missing Rule 2-10 deadline. Bill is NOT dead but faces uphill battle.
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2024-12-16 | House | Prefiled with Clerk byRep. Emanuel "Chris" Welch Senate Rule 5-1(d); House Rule 37(d) | Introduction & Filing | — |
| 2025-01-09 | House | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-01-09 | House | Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-03-04 | House | Assigned toExecutive Committee Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-03-05 | House | House Committee Amendment No. 1 Filed with Clerk byRep. Jay Hoffman | Amendment Actions | — |
| 2025-03-05 | House | House Committee Amendment No. 1 Referred toRules Committee | Amendment Actions | — |
| 2025-03-11 | House | Re-assigned toConsumer Protection Committee Senate Rule 3-8(d); House Rule 18(f) | Committee Assignment | — |
| 2025-03-11 | House | House Committee Amendment No. 1 Rules Refers toConsumer Protection Committee | Amendment Actions | — |
| 2025-03-18 | House | Chief Sponsor Changed toRep. Jay Hoffman Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | — |
| 2025-03-18 | House | House Committee Amendment No. 1 Adopted inConsumer Protection Committee; by Voice Vote | Amendment Actions | — |
| 2025-03-18 | House | Do Pass as Amended / Short DebateConsumer Protection Committee; 008-000-000 Rule 3-11(a)(1), Rule 3-12(a) | Committee Action | Positive |
| 2025-03-19 | House | Added Chief Co-SponsorRep. Norine K. Hammond Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-19 | House | Added Co-SponsorRep. Tom Weber Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-19 | House | Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 | Floor Process | Positive |
| 2025-03-25 | House | Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1) | Floor Process | Positive |
| 2025-03-25 | House | Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8) | Floor Process | Positive |
| 2025-03-26 | House | Chief Sponsor Changed toRep. Rick Ryan Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | — |
| 2025-03-26 | House | Added Chief Co-SponsorRep. Jay Hoffman Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-26 | House | Added Co-SponsorRep. Matt Hanson Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-07 | House | Third Reading - Short Debate - Passed106-000-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 | Floor Vote | Positive |
| 2025-04-07 | House | Added Co-SponsorRep. Nicolle Grasse Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-07 | House | Added Co-SponsorRep. Martha Deuter Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | Senate | Arrive in Senate Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-08 | Senate | Placed on Calendar Order of First Reading Senate Rule 4-4/7-4; House Rule 31/54 | Procedural | — |
| 2025-04-09 | Senate | Chief Senate SponsorSen. Don Harmon Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-09 | Senate | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-04-09 | Senate | Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-04-10 | House | Added Co-SponsorRep. Sue Scherer Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-14 | House | Added Co-SponsorRep. Hoan Huynh Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-23 | Senate | Assigned toJudiciary Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-04-25 | Senate | Alternate Chief Sponsor Changed toSen. Suzy Glowiak Hilton Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | — |
| 2025-04-30 | Senate | Postponed -Judiciary Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-05-07 | Senate | Postponed -Judiciary Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-05-09 | Senate | Rule 2-10 Committee Deadline Established As May 23, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-05-23 | Senate | Rule 2-10 Committee Deadline Established As June 1, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-06-02 | Senate | Rule 3-9(a) / Re-referred toAssignments Rule 3-9(a) | Deadlines & Re-referrals | Mild − |