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SB1441

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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: Robert Peters Chamber: Senate Introduced: 2025-01-31
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

Public Engagement

13 witness slips filed 12 proponents / 0 opponents 6 organizations

Witness slips

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

Name Organization Representing Position Hearing committee Hearing date
Catherine Shannon Illinois State Treasurer's Office Illinois State Treasurer Michael Frerichs Proponent Personnel & Pensions 2025-04-24
David Schwartz Self Self Proponent Personnel & Pensions 2025-04-24
Francesca Morris Self Self Proponent Personnel & Pensions 2025-04-24
Christine Cheng Office of the Illinois State Treasurer Illinois State Treasurer Michael Frerichs Proponent State Government 2025-02-26
David Schwartz Self Self Proponent State Government 2025-02-26
Frank W McNeil McNeil Governmental Services Inc Woodstock Institute 67East Madison Street Suite 2108 Chicago, Illinois 60603 Proponent State Government 2025-02-26
Jeff Scott AARP Illinois AARP Illinois Proponent State Government 2025-02-26
Catherine Shannon Office of the Illinois State Treasurer Illinois State Treasurer Michael Frerichs Proponent State Government 2025-02-19
David Schwartz Self Self Proponent State Government 2025-02-19
Jeff Scott AARP Illinois AARP Illinois Proponent State Government 2025-02-19
Sara Meek Office of the Illinois State Treasurer Illinois State Treasurer Michael Frerichs Proponent State Government 2025-02-19
Donovan Griffith Illinois Manufacturers' Association Illinois Manufacturers' Association No Position On Merits Personnel & Pensions 2025-04-24
Catherine Shannon Office of the Illinois State Treasurer Illinois State Treasurer Michael Frerichs Proponent State Government 2025-03-19

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 —
2025-05-21 H Floor Third Reading 74 37 0 7 Passed 37 —
S Committee State Government 10 0 0 0 Passed 10 —
S Floor Third Reading 48 6 0 5 Passed 42 —

Action History

33 actions recorded. Last action: 2025-08-01 — Public Act . . . . . . . . .104-0100. Each action's meaning and outcome signal are classified automatically.

2025-01-31 Introduction & Filing
Filed with Secretary bySen. Robert Peters Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2025-01-31 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.
2025-01-31 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.
2025-02-11 Committee Assignment
Assigned toState Government 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.
2025-02-20 Committee Action
Postponed -State Government 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.
2025-02-26 Co-Sponsorship Mild +
Added as Co-SponsorSen. Michael W. Halpin Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-02-27 Committee Action Positive
Do PassState Government; 010-000-000 Rule 3-11(a)(1), Rule 3-12(a)
Committee recommends passage. The most important positive gate — majority of bills never get here.
2025-02-27 Floor Process Positive
Placed on Calendar Order of 2nd Reading March 4, 2025 Rule 3-12(a), Rule 4-4(7)
Bill placed on the order of Second Reading.
2025-02-27 Co-Sponsorship Mild +
Added as Chief Co-SponsorSen. Robert F. Martwick Senate Rule 5-1(a); House Rule 37(a)
A legislator takes on the chief co-sponsor role, a stronger commitment than regular co-sponsorship.
2025-03-18 Amendment Actions
Senate Floor Amendment No. 1 Filed with Secretary bySen. Robert Peters
[Amendment] Bill officially submitted to the Senate Secretary during the session.
2025-03-18 Amendment Actions
Senate Floor Amendment No. 1 Referred toAssignments
[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.
2025-03-19 Amendment Actions
Senate Floor Amendment No. 1 Assignments Refers toState Government
[Amendment] Senate Assignments Committee forwards the bill to a substantive committee.
2025-03-19 Co-Sponsorship Mild +
Added as Co-SponsorSen. Sara Feigenholtz Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-03-19 Amendment Actions
Senate Floor Amendment No. 1 Recommend Do AdoptState Government; 009-000-000
[Amendment] Amendment sub-action.
2025-04-01 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.
2025-04-01 Amendment Actions
Senate Floor Amendment No. 1 Adopted; Peters
[Amendment] Amendment sub-action.
2025-04-01 Floor Process Positive
Placed on Calendar Order of 3rd Reading April 2, 2025 Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-04-03 Floor Vote Positive
Third Reading - Passed;048-006-000 Rule 5-1(f)
Bill PASSED a floor vote on Third Reading. Major milestone — bill has cleared one chamber.
2025-04-04 Cross-Chamber Positive
Arrived in House Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Senate bill arrives in the House after passing the Senate.
2025-04-04 Cross-Chamber Positive
Chief House SponsorRep. Gregg Johnson Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
House sponsor assigned for a Senate bill — bill is being actively managed in the second chamber.
2025-04-07 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.
2025-04-07 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.
2025-04-17 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.
2025-04-24 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.
2025-04-24 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.
2025-05-16 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.
2025-05-16 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.
2025-05-21 Floor Vote Positive
Third Reading - Short Debate - Passed074-037-000 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.
2025-05-21 Concurrence Positive
Passed Both Houses Rule 8-1, Rule 8-4
Bill PASSED BOTH CHAMBERS. Major milestone — bill goes to the Governor next.
2025-06-18 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 August 1, 2025 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 . . . . . . . . .104-0100 Article IX
Bill signed into law — assigned a Public Act number (e.g., PA 104-0032).

All actions (table)

Date Chamber Action Category Signal
2025-01-31 Senate Filed with Secretary bySen. Robert Peters Rule 2-7(b) Introduction & Filing —
2025-01-31 Senate First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-01-31 Senate Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-02-11 Senate Assigned toState Government Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-02-20 Senate Postponed -State Government Senate Rule 3-11; House Rule 22 Committee Action —
2025-02-26 Senate Added as Co-SponsorSen. Michael W. Halpin Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-02-27 Senate Do PassState Government; 010-000-000 Rule 3-11(a)(1), Rule 3-12(a) Committee Action Positive
2025-02-27 Senate Placed on Calendar Order of 2nd Reading March 4, 2025 Rule 3-12(a), Rule 4-4(7) Floor Process Positive
2025-02-27 Senate Added as Chief Co-SponsorSen. Robert F. Martwick Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-03-18 Senate Senate Floor Amendment No. 1 Filed with Secretary bySen. Robert Peters Amendment Actions —
2025-03-18 Senate Senate Floor Amendment No. 1 Referred toAssignments Amendment Actions —
2025-03-19 Senate Senate Floor Amendment No. 1 Assignments Refers toState Government Amendment Actions —
2025-03-19 Senate Added as Co-SponsorSen. Sara Feigenholtz Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2025-03-19 Senate Senate Floor Amendment No. 1 Recommend Do AdoptState Government; 009-000-000 Amendment Actions —
2025-04-01 Senate Second Reading Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b) Floor Process Positive
2025-04-01 Senate Senate Floor Amendment No. 1 Adopted; Peters Amendment Actions —
2025-04-01 Senate Placed on Calendar Order of 3rd Reading April 2, 2025 Rule 4-4(8) Floor Process Positive
2025-04-03 Senate Third Reading - Passed;048-006-000 Rule 5-1(f) Floor Vote Positive
2025-04-04 House Arrived in House Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) Cross-Chamber Positive
2025-04-04 House Chief House SponsorRep. Gregg Johnson Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) Cross-Chamber Positive
2025-04-07 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-04-07 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-04-17 House Assigned toPersonnel & Pensions Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-04-24 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
2025-04-24 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
2025-05-16 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
2025-05-16 House Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8) Floor Process Positive
2025-05-21 House Third Reading - Short Debate - Passed074-037-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 Floor Vote Positive
2025-05-21 Senate Passed Both Houses Rule 8-1, Rule 8-4 Concurrence Positive
2025-06-18 Senate 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 Senate Governor Approved Senate Article IX/Rules 9-1 to 9-6; House Article IX/Rules 77-82 Governor Action Positive
2025-08-01 Senate Effective Date August 1, 2025 Article IX Enacted Into Law Law
2025-08-01 Senate Public Act . . . . . . . . .104-0100 Article IX Enacted Into Law Law