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HB1865

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FRAUD-TARGETED INSURANCE SALES

What this bill does

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that it is an unlawful practice for any seller of accident insurance or health insurance to solicit individuals who are residents of a nursing home or long-term care facility or individuals who are over the age of 65, unless the seller: (1) does not require a purchasing decision in the first communication to the potential enrollee; (2) advises the potential enrollee of the benefit of examining the potential enrollee's current insurance plan and discussing any changes with a family member, friend, or other advisor before making any decisions; (3) provides a phone number that may be called if the potential enrollee or the potential enrollee's family members, friends, or other advisors have any questions; and (4) allows the potential enrollee to opt out of any future communications with the seller. Provides that it is also an unlawful practice for any seller or provider of accident insurance or health insurance to enter into or amend an insurance policy with a person who: (1) is over the age of 65 and who has executed a power of attorney to give another person authority over medical decisions; or (2) has a medical condition, such as dementia, that would reduce the person's capacity to make informed decisions independently. Provides that the provision does not apply to a new insurance policy or an amendment to an insurance policy that is agreed to by a person with a lawfully executed power of attorney relating to the enrollee or potential enrollee's health or financial matters.

Sponsor: Sue Scherer Chamber: House Introduced: 2025-01-29
PASSED INTO LAW

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Pipeline Progress

Current stage: Signed into Law · Last action 251 days ago

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

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

Name Organization Representing Position Hearing committee Hearing date
David Schwartz Self Self Proponent Consumer Protection 2025-03-11
Matthew Slade Myself Myself Proponent Consumer Protection 2025-03-04

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 7 0 0 2 Passed 7 —
H Floor Third Reading 104 0 0 14 Passed 104 —
S Committee Insurance 9 0 0 5 Passed 9 —
2025-05-21 S Floor Third Reading 57 0 0 2 Passed 57 —

Action History

37 actions recorded. Last action: 2025-08-01 — Public Act . . . . . . . . .104-0055. Each action's meaning and outcome signal are classified automatically.

2025-01-29 Introduction & Filing
Filed with the Clerk byRep. Sue Scherer House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2025-01-29 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.
2025-01-29 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.
2025-02-25 Committee Assignment
Assigned toConsumer Protection 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.
2025-03-04 Amendment Actions
House Committee Amendment No. 1 Filed with Clerk byRep. Sue Scherer
[Amendment] Amendment sub-action.
2025-03-04 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 Amendment Actions
House Committee Amendment No. 1 Rules Refers toConsumer Protection Committee
[Amendment] Amendment sub-action.
2025-03-11 Amendment Actions
House Committee Amendment No. 1 Adopted inConsumer Protection Committee; by Voice Vote
[Amendment] Amendment sub-action.
2025-03-11 Committee Action Positive
Do Pass as Amended / Short DebateConsumer Protection Committee; 007-000-000 Rule 3-11(a)(1), Rule 3-12(a)
Committee recommends passage. The most important positive gate — majority of bills never get here.
2025-03-12 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.
2025-03-18 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.
2025-03-18 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.
2025-03-18 Co-Sponsorship Mild +
Added Chief Co-SponsorRep. Amy Briel Senate Rule 5-1(a); House Rule 37(a)
Chief co-sponsor added.
2025-03-18 Co-Sponsorship Mild +
Added Chief Co-SponsorRep. Diane Blair-Sherlock Senate Rule 5-1(a); House Rule 37(a)
Chief co-sponsor added.
2025-03-18 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.
2025-04-07 Floor Vote Positive
Third Reading - Short Debate - Passed104-000-000 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.
2025-04-08 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 April 9, 2025 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. Doris Turner 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.
2025-04-23 Committee Assignment
Assigned toInsurance 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.
2025-04-30 Committee Action Positive
Do PassInsurance; 009-000-000 Rule 3-11(a)(1), Rule 3-12(a)
Committee recommends passage. The most important positive gate — majority of bills never get here.
2025-04-30 Floor Process Positive
Placed on Calendar Order of 2nd Reading May 1, 2025 Rule 3-12(a), Rule 4-4(7)
Bill placed on the order of Second Reading.
2025-05-01 Co-Sponsorship Mild +
Added as Alternate Chief Co-SponsorSen. Suzy Glowiak Hilton Senate Rule 5-1(a); House Rule 37(a)
Alternate chief co-sponsor added.
2025-05-01 Co-Sponsorship Mild +
Added as Alternate Co-SponsorSen. Michael W. Halpin Senate Rule 5-1(a); House Rule 37(a)
Alternate co-sponsor added.
2025-05-01 Floor Process Positive
Second Reading Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)
Bill reaches the floor amendment stage. Floor amendments can be offered here.
2025-05-01 Floor Process Positive
Placed on Calendar Order of 3rd Reading May 6, 2025 Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-05-01 Co-Sponsorship Mild +
Added as Alternate Chief Co-SponsorSen. Christopher Belt Senate Rule 5-1(a); House Rule 37(a)
Alternate chief co-sponsor added.
2025-05-06 Co-Sponsorship Mild +
Added as Alternate Chief Co-SponsorSen. Laura Ellman Senate Rule 5-1(a); House Rule 37(a)
Alternate chief co-sponsor added.
2025-05-21 Co-Sponsorship Mild +
Added as Alternate Co-SponsorSen. Julie A. Morrison Senate Rule 5-1(a); House Rule 37(a)
Alternate co-sponsor added.
2025-05-21 Floor Vote Positive
Third Reading - Passed;057-000-000 Rule 5-1(f)
Bill PASSED a floor vote on Third Reading. Major milestone — bill has cleared one chamber.
2025-05-21 Concurrence Positive
Passed Both Houses Rule 8-1, Rule 8-4
Bill PASSED BOTH CHAMBERS. Major milestone — bill goes to the Governor next.
2025-06-17 Governor Action Positive
Sent to the Governor Senate Article IX/Rules 9-1 to 9-6; House Article IX/Rules 77-82
Bill transmitted to the Governor for signature. Strong positive — bill has passed both chambers.
2025-08-01 Governor Action Positive
Governor Approved Senate Article IX/Rules 9-1 to 9-6; House Article IX/Rules 77-82
GOVERNOR SIGNED THE BILL. Bill is now law (pending effective date).
2025-08-01 Enacted Into Law Law
Effective Date January 1, 2026 Article IX
Law's effective date announced. Most IL laws take effect January 1 of the next year unless otherwise specified.
2025-08-01 Enacted Into Law Law
Public Act . . . . . . . . .104-0055 Article IX
Bill signed into law — assigned a Public Act number (e.g., PA 104-0032).

All actions (table)

Date Chamber Action Category Signal
2025-01-29 House Filed with the Clerk byRep. Sue Scherer House Rule 6(b) Introduction & Filing —
2025-01-29 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-01-29 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-02-25 House Assigned toConsumer Protection Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-03-04 House House Committee Amendment No. 1 Filed with Clerk byRep. Sue Scherer Amendment Actions —
2025-03-04 House House Committee Amendment No. 1 Referred toRules Committee Amendment Actions —
2025-03-11 House House Committee Amendment No. 1 Rules Refers toConsumer Protection Committee Amendment Actions —
2025-03-11 House House Committee Amendment No. 1 Adopted inConsumer Protection Committee; by Voice Vote Amendment Actions —
2025-03-11 House Do Pass as Amended / Short DebateConsumer Protection Committee; 007-000-000 Rule 3-11(a)(1), Rule 3-12(a) Committee Action Positive
2025-03-12 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
2025-03-18 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
2025-03-18 House Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8) Floor Process Positive
2025-03-18 House Added Chief Co-SponsorRep. Amy Briel Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-03-18 House Added Chief Co-SponsorRep. Diane Blair-Sherlock Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-03-18 House Added Co-SponsorRep. Stephanie A. Kifowit Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-04-07 House Third Reading - Short Debate - Passed104-000-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 Floor Vote Positive
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 April 9, 2025 Senate Rule 4-4/7-4; House Rule 31/54 Procedural —
2025-04-09 Senate Chief Senate SponsorSen. Doris Turner 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 —
2025-04-23 Senate Assigned toInsurance Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-04-30 Senate Do PassInsurance; 009-000-000 Rule 3-11(a)(1), Rule 3-12(a) Committee Action Positive
2025-04-30 Senate Placed on Calendar Order of 2nd Reading May 1, 2025 Rule 3-12(a), Rule 4-4(7) Floor Process Positive
2025-05-01 Senate Added as Alternate Chief Co-SponsorSen. Suzy Glowiak Hilton Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-05-01 Senate Added as Alternate Co-SponsorSen. Michael W. Halpin Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-05-01 Senate Second Reading Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b) Floor Process Positive
2025-05-01 Senate Placed on Calendar Order of 3rd Reading May 6, 2025 Rule 4-4(8) Floor Process Positive
2025-05-01 Senate Added as Alternate Chief Co-SponsorSen. Christopher Belt Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-05-06 Senate Added as Alternate Chief Co-SponsorSen. Laura Ellman Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-05-21 Senate Added as Alternate Co-SponsorSen. Julie A. Morrison Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-05-21 Senate Third Reading - Passed;057-000-000 Rule 5-1(f) Floor Vote Positive
2025-05-21 House Passed Both Houses Rule 8-1, Rule 8-4 Concurrence Positive
2025-06-17 House Sent to the Governor Senate Article IX/Rules 9-1 to 9-6; House Article IX/Rules 77-82 Governor Action Positive
2025-08-01 House Governor Approved Senate Article IX/Rules 9-1 to 9-6; House Article IX/Rules 77-82 Governor Action Positive
2025-08-01 House Effective Date January 1, 2026 Article IX Enacted Into Law Law
2025-08-01 House Public Act . . . . . . . . .104-0055 Article IX Enacted Into Law Law