HB1234
View on ILGAINS RATEMAKING-AFFORDABILITY
What this bill does
Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately.
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Current stage: In Committee · Last action 311 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
Public Engagement
Hearings
This bill has not been scheduled for a committee hearing.
Witness slips
36 slips filed. Proponent / opponent / no position as filed with the committee.
| Name | Organization | Representing | Position | Hearing committee | Hearing date |
|---|---|---|---|---|---|
| Amy Williams | Illinois Secretary of State | Illinois Secretary of State | Proponent | Insurance | 2025-05-27 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-05-27 |
| Jeff Scott | AARP Illinois | AARP Illinois | Proponent | Insurance | 2025-05-27 |
| Tim McLean | Illinois Trial Lawyers Association | Illinois Trial Lawyers Association | Proponent | Insurance | 2025-05-27 |
| Amy Williams | Illinois Secretary of State | Illinois Secretary of State | Proponent | Insurance | 2025-03-18 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-03-18 |
| Jeff Scott | AARP Illinois | AARP Illinois | Proponent | Insurance | 2025-03-18 |
| Tim McLean | Illinois Trial Lawyers Association | Illinois Trial Lawyers Association | Proponent | Insurance | 2025-03-18 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-02-25 |
| Matthew Slade | Myself | Myself | Proponent | Insurance | 2025-02-25 |
| Amy Williams | Illinois Secretary of State | Illinois Secretary of State | Proponent | Insurance | 2025-02-18 |
| Kyle Hillman | National Association of Social Workers - Illinois Chapter | National Association of Social Workers - Illinois Chapter | Proponent | Insurance | 2025-02-18 |
| Lynne McChristian | University of Illinois | American Property Casualty Insurance Association | Opponent | Insurance | 2025-05-27 |
| Brian Christenberry | National Association of Mutual Insurance Companies | NAMIC | Opponent | Insurance | 2025-05-27 |
| Eric Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-05-27 |
| Gabriela Garza | Illinois Manufacturers' Association | Illinois Manufacturers' Association | Opponent | Insurance | 2025-05-27 |
| Jennifer Hammer | JWHammer, LLC | NAMIC (National Association of Mutual Insurance Companies) | Opponent | Insurance | 2025-05-27 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-20 |
| Brian Christenberry | National Association of Mutual Insurance Companies -NAMIC | National Association of Mutual Insurance Companies (NAMIC) | Opponent | Insurance | 2025-03-18 |
| Eric M Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-03-18 |
| Jennifer W Hammer | JWHammer, LLC | National Association of Mutual Insurance Companies (NAMIC) | Opponent | Insurance | 2025-03-18 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-18 |
| Kevin Martin | Illinois Insurance Association | Illinois Insurance Association | Opponent | Insurance | 2025-03-18 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-11 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-03-04 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-02-25 |
| Craig Willert | Capitol Consulting Group Illinois, LLC | CHUBB INA HOLDINGS, INC. | Opponent | Insurance | 2025-02-18 |
| Eric Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-02-18 |
| Evan Manning | Big I IL | Big I IL | Opponent | Insurance | 2025-02-18 |
| Jeffrey Glass | Capitol Consulting Group IL LLC | CHUBB INA HOLDINGS, INC. | Opponent | Insurance | 2025-02-18 |
| John Kamis | Turing Strategies | Consumer Data Industry Association | Opponent | Insurance | 2025-02-18 |
| Jordan Ryan | Illinois Chamber of Commerce | Illinois Chamber of Commerce | Opponent | Insurance | 2025-02-18 |
| Kevin Martin | Illinois Insurance Association | Illinois Iinsurance Association | Opponent | Insurance | 2025-02-18 |
| David Schwartz | Self | Self | Proponent | Insurance | 2025-03-18 |
| Jeff Scott | AARP Illinois | AARP Illinois | Proponent | Insurance | 2025-03-18 |
| Eric M Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-03-18 |
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 | Insurance | 11 | 6 | 0 | 0 | Passed | 5 | — | |
| H | Floor | Third Reading | 70 | 39 | 0 | 9 | Passed | 31 | — |
Action History
60 actions recorded. Last action: 2025-06-02 — Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred toAssignments. Each action's meaning and outcome signal are classified automatically.
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2025-01-10 | House | Filed with the Clerk byRep. Rita Mayfield House Rule 6(b) | Introduction & Filing | — |
| 2025-01-28 | House | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-01-28 | House | Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-02-11 | House | Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-02-27 | House | Added Co-SponsorRep. Lilian Jiménez Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-13 | House | House Committee Amendment No. 1 Filed with Clerk byRep. Rita Mayfield | Amendment Actions | — |
| 2025-03-13 | House | House Committee Amendment No. 1 Referred toRules Committee | Amendment Actions | — |
| 2025-03-18 | House | House Committee Amendment No. 1 Rules Refers toInsurance Committee | Amendment Actions | — |
| 2025-03-18 | House | House Committee Amendment No. 1 Adopted inInsurance Committee; by Voice Vote | Amendment Actions | — |
| 2025-03-18 | House | Do Pass as Amended / Short DebateInsurance Committee; 011-006-000 Rule 3-11(a)(1), Rule 3-12(a) | Committee Action | Positive |
| 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 |
| 2025-04-02 | House | Added Co-SponsorRep. Carol Ammons Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-03 | House | Added Co-SponsorRep. Norma Hernandez Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-03 | House | Added Co-SponsorRep. Lisa Davis Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-03 | House | Added Co-SponsorRep. Stephanie A. Kifowit Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-04 | House | Added Co-SponsorRep. Barbara Hernandez Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-04 | House | Added Co-SponsorRep. Theresa Mah Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-04 | House | Added Co-SponsorRep. Kevin John Olickal Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 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. Anne Stava Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | House | Added Co-SponsorRep. Nicholas K. Smith Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | House | Added Co-SponsorRep. Dagmara Avelar Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | House | Third Reading - Short Debate - Passed070-039-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 | Floor Vote | Positive |
| 2025-04-08 | House | Added Chief Co-SponsorRep. Abdelnasser Rashid Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | House | Added Co-SponsorRep. Hoan Huynh Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-09 | Senate | Arrive in Senate Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-09 | 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. Lakesia Collins 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. Camille Y. Lilly Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-11 | Senate | Alternate Chief Sponsor Changed toSen. Ram Villivalam Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | — |
| 2025-04-22 | Senate | Added as Alternate Co-SponsorSen. Adriane Johnson Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-23 | Senate | Added as Alternate Co-SponsorSen. Lakesia Collins Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-23 | Senate | Added as Alternate Co-SponsorSen. Mike Porfirio Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-23 | Senate | Added as Alternate Co-SponsorSen. Cristina Castro Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-24 | Senate | Added as Alternate Co-SponsorSen. Laura Fine Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-24 | Senate | Added as Alternate Co-SponsorSen. Karina Villa Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-24 | Senate | Added as Alternate Co-SponsorSen. Mary Edly-Allen Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-24 | Senate | Added as Alternate Co-SponsorSen. Sara Feigenholtz Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-24 | Senate | Added as Alternate Co-SponsorSen. Doris Turner Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-25 | Senate | Added as Alternate Co-SponsorSen. Rachel Ventura Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-29 | Senate | Added as Alternate Co-SponsorSen. Mike Simmons Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-29 | Senate | Added as Alternate Chief Co-SponsorSen. Willie Preston Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-01 | Senate | Added as Alternate Co-SponsorSen. Javier L. Cervantes Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-02 | Senate | Added as Alternate Co-SponsorSen. Robert F. Martwick Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-07 | Senate | Added as Alternate Co-SponsorSen. Mattie Hunter Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-13 | Senate | Added as Alternate Co-SponsorSen. Christopher Belt Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-20 | Senate | Rule 2-10 Committee Deadline Established As May 23, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-05-20 | Senate | Assigned toInsurance Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-05-21 | Senate | Senate Committee Amendment No. 1 Filed with Secretary bySen. Ram Villivalam | Amendment Actions | — |
| 2025-05-21 | Senate | Senate Committee Amendment No. 1 Referred toAssignments | Amendment Actions | — |
| 2025-05-23 | Senate | Rule 2-10 Committee Deadline Established As June 1, 2025 Rule 2-10(a)(3-4) | Deadlines & Re-referrals | — |
| 2025-05-27 | Senate | Senate Committee Amendment No. 1 Assignments Refers toInsurance | Amendment Actions | — |
| 2025-05-27 | Senate | Senate Committee Amendment No. 1 Postponed -Insurance | Amendment Actions | — |
| 2025-05-27 | Senate | Postponed -Insurance Senate Rule 3-11; House Rule 22 | Committee Action | — |
| 2025-06-02 | Senate | Rule 3-9(a) / Re-referred toAssignments Rule 3-9(a) | Deadlines & Re-referrals | Mild − |
| 2025-06-02 | Senate | Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred toAssignments | Amendment Actions | Mild − |