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HB1435

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SECURE CHOICE PROGRAM-IRAS

What this bill does

Amends the Illinois Secure Choice Savings Program Act. Provides that the accounts established under the Secure Choice Savings Program shall be IRAs, into which enrollees contribute funds that are invested in investment options established by the Illinois Secure Choice Savings Board. Provides that a separate account shall be established for each enrollee and the accounts shall be owned by the enrollee. Provides that the savings accounts established under the Program shall be portable and allow for an enrollee to make contributions from multiple employers into a single account. Provides that an enrollee in the Program may have both a Roth IRA and a Traditional IRA through the Program. Provides that the Board shall have the duty to assess the feasibility of agreements with other governmental entities, including other states and their agencies and instrumentalities, to achieve greater economies of scale through shared resources and to enter into those agreements if determined to be beneficial. Provides that an employer who fails without reasonable cause to enroll an employee in the Program within the time provided and fails to remit their contributions (rather than fails without reasonable cause to enroll an employee in the Program within the time provided) shall be subject to a penalty. Makes changes in provisions concerning employer and employee information packets. Effective immediately.

Sponsor: Gregg Johnson Chamber: House Introduced: 2025-01-17
Stuck
P(Advance)
30.7%
Chance it ever reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
0.0%
Chance it becomes law given where it is now (stage, momentum).
Forecast
2.7%
Low P(law) at intro — sponsor & topic only; no progress or delay.
Confidence: 69%

Calculating prediction drivers...

Pipeline Progress

Current stage: Floor Vote · Last action 353 days ago · STAGNANT

How does a bill become law in Illinois?
  1. 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.

  2. Committee Work — Hearings

    The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.

  3. Committee Work — Markup, Amendments, Report

    The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.

  4. Floor Debate

    The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.

  5. 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.

  6. 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

Witness slips

9 slips filed. Proponent / opponent / no position as filed with the committee.

Name Organization Representing Position Hearing committee Hearing date
Christine Cheng Illinois State Treasurer's Office Illinois State Treasurer Michael Frerichs Proponent Personnel & Pensions 2025-02-27
David Schwartz Self Self Proponent Personnel & Pensions 2025-02-27
Frank W McNeil McNeil Governmental Services Inc Woodstock Institute 67East Madison Street Suite 2108 Chicago, Illinois 60603 Proponent Personnel & Pensions 2025-02-27
Jeff Scott AARP Illinois AARP Illinois Proponent Personnel & Pensions 2025-02-27
Catherine Shannon Illinois State Treasurer's Office Illinois State Treasurer Michael Frerichs Proponent Personnel & Pensions 2025-04-08
David Schwartz Self Self Proponent Personnel & Pensions 2025-04-08
Erica Tremble Illinois State Treasurer's Office Illinois State Treasurer Michael Frerichs Proponent Personnel & Pensions 2025-03-27
Catherine Shannon Illinois State Treasurer's Office Illinois State Treasurer Michael Frerichs Proponent Personnel & Pensions 2025-03-20
Jeff Scott AARP Illinois AARP Illinois No Position On Merits Personnel & Pensions 2025-04-08

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 Personnel & Pensions 8 4 0 0 Passed 4 —

Action History

17 actions recorded. Last action: 2025-04-21 — Added Co-SponsorRep. Stephanie A. Kifowit. Each action's meaning and outcome signal are classified automatically.

2025-01-17 Introduction & Filing
Filed with the Clerk byRep. Gregg Johnson House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2025-01-28 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.
2025-01-28 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.
2025-02-18 Committee Assignment
Assigned toPersonnel & Pensions 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.
2025-02-27 Committee Action Positive
Do Pass / Short DebatePersonnel & Pensions Committee; 008-004-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b)
Committee recommends passage and places it on the Short Debate calendar (limited floor discussion time). Strong positive signal — committee believes bill has broad support.
2025-02-27 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.
2025-02-27 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.
2025-03-11 Co-Sponsorship Mild +
Added Co-SponsorRep. Laura Faver Dias Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-03-13 Amendment Actions
House Floor Amendment No. 1 Filed with Clerk byRep. Gregg Johnson
[Amendment] Amendment sub-action.
2025-03-13 Amendment Actions
House Floor 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.
2025-03-18 Amendment Actions
House Floor Amendment No. 1 Rules Refers toPersonnel & Pensions Committee
[Amendment] Amendment sub-action.
2025-03-26 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.
2025-03-26 Floor Process
Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill was ready for Second Reading but was paused/held by the sponsor. Usually indicates the sponsor is still negotiating amendments or gathering votes. NOT a negative signal — the sponsor controls the pace.
2025-04-08 Amendment Actions
House Floor Amendment No. 1 Recommends Be AdoptedPersonnel & Pensions Committee; 007-004-000
[Amendment] Amendment sub-action.
2025-04-11 Deadlines & Re-referrals Mild −
Rule 19(a) / Re-referred toRules Committee House Rule 19(a); Senate analog: Rule 3-9(a)
MISSED COMMITTEE DEADLINE — bill did not get a committee vote before the deadline and is re-referred to Rules/Assignments. The bill is NOT dead but faces an uphill battle to be reassigned. Most bills that hit Rule 19(a) do not advance.
2025-04-11 Amendment Actions
House Floor Amendment No. 1 Rule 19(c) / Re-referred toRules Committee
[Amendment] Amendment sub-action.
2025-04-21 Co-Sponsorship Mild +
Added Co-SponsorRep. Stephanie A. Kifowit Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.

All actions (table)

Date Chamber Action Category Signal
2025-01-17 House Filed with the Clerk byRep. Gregg Johnson 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 —
2025-02-18 House Assigned toPersonnel & Pensions Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-02-27 House Do Pass / Short DebatePersonnel & Pensions Committee; 008-004-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) Committee Action Positive
2025-02-27 House Added Co-SponsorRep. Martha Deuter Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-02-27 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
2025-03-11 House Added Co-SponsorRep. Laura Faver Dias Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-03-13 House House Floor Amendment No. 1 Filed with Clerk byRep. Gregg Johnson Amendment Actions —
2025-03-13 House House Floor Amendment No. 1 Referred toRules Committee Amendment Actions —
2025-03-18 House House Floor Amendment No. 1 Rules Refers toPersonnel & Pensions Committee Amendment Actions —
2025-03-26 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
2025-03-26 House Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 Floor Process —
2025-04-08 House House Floor Amendment No. 1 Recommends Be AdoptedPersonnel & Pensions Committee; 007-004-000 Amendment Actions —
2025-04-11 House Rule 19(a) / Re-referred toRules Committee House Rule 19(a); Senate analog: Rule 3-9(a) Deadlines & Re-referrals Mild −
2025-04-11 House House Floor Amendment No. 1 Rule 19(c) / Re-referred toRules Committee Amendment Actions —
2025-04-21 House Added Co-SponsorRep. Stephanie A. Kifowit Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +