SB2457
View on ILGACOLLECTION AGENCY ACT
What this bill does
Amends the Regulatory Sunset Act. Removes the Collection Agency Act from the list of Acts being repealed under the Act. Amends the Collection Agency Act. Makes changes concerning defined terms; exempt persons and entities under the Act; unlicensed practice; disciplinary actions; communication; informal conferences; penalties; investigations; the record of hearing; oaths; findings and recommendations; hearings; orders; and returned payments. Provides that the fee rate a collection agency can charge may be modified by rule to not less than 25% of the amount of child support actually collected by the collection agency but not greater than 35%. Repeals provisions concerning the Collection Agency Licensing and Disciplinary Board and provisions concerning when a person acts as a collection agency. Makes other changes.
PASSED INTO LAW
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Current stage: Signed into Law · Last action 435 days ago
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
Mark L. Walker
Moderate Influence (#57)
Bills they sponsor outperform predictions (positive pull)
Bills sponsored by Mark L. Walker advance 13% more often than the chamber average.
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.
$4,281,381.36
Across sponsors / voters
5
Members with trails
25
Overlapping donors
Sponsor and voter funding
| Member | Role | Receipts | Total received | Top donors |
|---|---|---|---|---|
| Mark L. Walker | Chief sponsor | 35 | $40,131.52 | Don Harmon for State Central Committeeman ($10,000.00); Prairie Band Potawatomi Nation ($3,500.00); LiUNA Chicago Laborers' District Council PAC ($3,000.00) |
| Graciela Guzmán | Sponsor | 0 | $0.00 | — |
| Karina Villa | Sponsor | 719 | $1,679,224.77 | Friends of Don Harmon for State Senate ($289,418.12); Chicago Teachers Union ($112,500.00); United with Delia for Congress ($82,300.00) |
| Mary Edly-Allen | Sponsor | 57 | $70,160.38 | Chicago Land Operators Joint Labor-Management PAC ($7,500.00); IPACE ($5,000.00); SEIU Healthcare IL IN PAC ($5,000.00) |
| Margaret Croke | Sponsor | 821 | $2,491,864.69 | Michael Sacks ($307,300.00); Illinois Laborers' Legislative Committee ($145,600.00); LIUNA Chicago Laborers' District Council PAC ($140,600.00) |
Overlapping donors
Donors who gave to more than one sponsor or voter on this bill. Still not earmarked to the bill.
| Donor | Members | Total |
|---|---|---|
| Illinois Laborers' Legislative Committee | Margaret Croke, Karina Villa, Mary Edly-Allen | $158,100.00 |
| Chicago Land Operators Joint Labor-Management PAC | Margaret Croke, Karina Villa, Mary Edly-Allen, Mark L. Walker | $92,500.00 |
| Illinois Federation of Teachers COPE | Karina Villa, Mary Edly-Allen | $76,300.00 |
| Health Care Council of Illinois PAC | Margaret Croke, Karina Villa | $70,250.00 |
| Friends of Ram | Karina Villa, Mark L. Walker | $31,000.00 |
| Friends of Bill Cunningham | Margaret Croke, Karina Villa | $30,000.00 |
| Realtor Political Action Committee | Margaret Croke, Karina Villa, Mark L. Walker | $24,000.00 |
| Don Harmon for State Central Committeeman | Karina Villa, Mark L. Walker | $20,000.00 |
| Ironworkers District Council of Chicago & Vicinity PAC | Margaret Croke, Mark L. Walker | $16,500.00 |
| Teamsters Volunteers in Politics | Margaret Croke, Karina Villa, Mary Edly-Allen | $10,500.00 |
| Illinois Trial Lawyers Association PAC | Margaret Croke, Mary Edly-Allen | $7,000.00 |
| LiUNA Chicago Laborers' District Council PAC | Mary Edly-Allen, Mark L. Walker | $6,000.00 |
| Prairie Band Potawatomi Nation | Karina Villa, Mark L. Walker | $5,500.00 |
| Illinois Hospital Association PAC | Karina Villa, Mary Edly-Allen | $4,000.00 |
| Patrick Salvi | Margaret Croke, Karina Villa | $4,000.00 |
| CAR of Illinois | Margaret Croke, Karina Villa, Mark L. Walker | $3,500.00 |
| Illinois State Medical Society | Margaret Croke, Karina Villa | $3,000.00 |
| Cozen O'Connor | Margaret Croke, Mary Edly-Allen | $2,500.00 |
| Turing Strategies LLC | Margaret Croke, Karina Villa | $2,250.00 |
| IHA Political Action Committee | Mary Edly-Allen, Mark L. Walker | $2,000.00 |
| Illinois CRNA PAC | Karina Villa, Mary Edly-Allen | $2,000.00 |
| SUAAction | Karina Villa, Mark L. Walker | $1,750.00 |
| Bradley Cosgrove | Margaret Croke, Karina Villa | $1,500.00 |
| Illinois Optometric Association | Karina Villa, Mary Edly-Allen | $1,000.00 |
| Illinois Association of Aggregate Producers | Mary Edly-Allen, Mark L. Walker | $750.00 |
Top donors across these members
| Donor | Occupation | Employer | Receipts | Total |
|---|---|---|---|---|
| Michael Sacks | Executive | GCM Grosvenor | 4 | $307,300.00 |
| Friends of Don Harmon for State Senate | — | — | 7 | $289,418.12 |
| Illinois Laborers' Legislative Committee | — | — | 6 | $158,100.00 |
| LIUNA Chicago Laborers' District Council PAC | — | — | 3 | $140,600.00 |
| Chicago Teachers Union | — | — | 3 | $112,500.00 |
| Chicago Land Operators Joint Labor-Management PAC | — | — | 15 | $92,500.00 |
| United with Delia for Congress | — | — | 4 | $82,300.00 |
| SEIU HealthCare IL IN PAC | — | — | 3 | $78,800.00 |
| Illinois Federation of Teachers COPE | — | — | 5 | $76,300.00 |
| SEIU Illinois Council PAC Fund | — | — | 2 | $72,800.00 |
| Illinois Pipe Trades PAC | — | — | 2 | $72,800.00 |
| JB for Governor | — | — | 1 | $72,800.00 |
| Jewish Caucus PAC | — | — | 1 | $72,800.00 |
| Health Care Council of Illinois PAC | — | — | 5 | $70,250.00 |
| ISDF | — | — | 12 | $68,716.36 |
| Carpentry Advancement Fund | — | — | 4 | $58,500.00 |
| Rashid for Illinois | — | — | 3 | $50,000.00 |
| Margaret Croke for State Central Comm | — | — | 2 | $50,000.00 |
| Day & Night Child Care Aurora Inc, | — | — | 3 | $40,000.00 |
| Margaret Noble Croke | State Representative | State of Illinois | 1 | $40,000.00 |
| Illinois Bankers' PAC | — | — | 4 | $37,500.00 |
| Engineers Political Education Committee Separate Education Fund | — | — | 1 | $35,000.00 |
| Friends of Ram | — | — | 7 | $31,000.00 |
| Friends of Bill Cunningham | — | — | 3 | $30,000.00 |
| Custom Global Logistics | — | — | 3 | $29,600.00 |
Witness slips
6 slips filed. Proponent / opponent / no position as filed with the committee.
| Name | Organization | Representing | Position | Hearing committee | Hearing date |
|---|---|---|---|---|---|
| Marc Reiter | IDFPR | IDFPR | Proponent | Financial Institutions & Licensing | 2025-04-29 |
| Marc Reiter | IDFPR | IDFPR | Proponent | Financial Institutions | 2025-03-19 |
| Jim Morphew | Sorling Northrup | Great Lakes Credit and Collection Association | No Position On Merits | Financial Institutions & Licensing | 2025-04-29 |
| Marc Reiter | IDFPR | IDFPR | Proponent | Financial Institutions | 2025-04-03 |
| Randy Walker | self | citizen | Opponent | Financial Institutions | 2025-04-03 |
| Jim Morphew | Sorling Northrup | Great Lakes Credit and Collection Association | No Position On Merits | Financial Institutions | 2025-04-03 |
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 | Financial Institutions & Licensing | 12 | 0 | 0 | 0 | Passed | 12 | — | |
| 2025-05-22 | H | Floor | Third Reading | 113 | 0 | 0 | 5 | Passed | 113 | — |
| S | Committee | Financial Institutions | 8 | 0 | 0 | 1 | Passed | 8 | — | |
| S | Floor | Apr 09, 2025 | 56 | 0 | 0 | 3 | Passed | 56 | — |
Action History
38 actions recorded. Last action: 2025-08-01 — Public Act . . . . . . . . .104-0149. Each action's meaning and outcome signal are classified automatically.
2025-02-07
Introduction & Filing
Filed with Secretary bySen. Mark L. Walker Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2025-02-07
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.
2025-02-07
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.
2025-03-04
Committee Assignment
Assigned toFinancial Institutions 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.
2025-03-17
Amendment Actions
Senate Committee Amendment No. 1 Filed with Secretary bySen. Mark L. Walker
[Amendment] Bill officially submitted to the Senate Secretary during the session.
2025-03-17
Amendment Actions
Senate Committee 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.
2025-03-18
Amendment Actions
Senate Committee Amendment No. 1 Assignments Refers toFinancial Institutions
[Amendment] Senate Assignments Committee forwards the bill to a substantive committee.
2025-03-18
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Karina Villa Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-03-19
Amendment Actions
Positive
Senate Committee Amendment No. 1 Adopted
[Amendment] Bill or resolution adopted by the chamber.
2025-03-19
Committee Action
Positive
Do Pass as AmendedFinancial Institutions; 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
Floor Process
Positive
Placed on Calendar Order of 2nd Reading March 20, 2025 Rule 3-12(a), Rule 4-4(7)
Bill placed on the order of Second Reading.
2025-04-01
Amendment Actions
Senate Floor Amendment No. 2 Filed with Secretary bySen. Mark L. Walker
[Amendment] Bill officially submitted to the Senate Secretary during the session.
2025-04-01
Amendment Actions
Senate Floor Amendment No. 2 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.
2025-04-01
Amendment Actions
Senate Floor Amendment No. 2 Assignments Refers toFinancial Institutions
[Amendment] Senate Assignments Committee forwards the bill to a substantive committee.
2025-04-03
Amendment Actions
Senate Floor Amendment No. 2 Recommend Do AdoptFinancial Institutions; 008-000-000
[Amendment] Amendment sub-action.
2025-04-03
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.
2025-04-03
Amendment Actions
Senate Floor Amendment No. 2 Adopted; Walker
[Amendment] Amendment sub-action.
2025-04-03
Floor Process
Positive
Placed on Calendar Order of 3rd Reading April 4, 2025 Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-04-04
Co-Sponsorship
Mild +
Added as Chief Co-SponsorSen. Graciela Guzmán 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.
2025-04-04
Floor Process
Positive
Placed on Calendar Order of 3rd Reading ** Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-04-09
Floor Process
Positive
Placed on Calendar Order of 3rd Reading Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-04-09
Floor Vote
Positive
Third Reading - Passed;056-000-000 Rule 5-1(f)
Bill PASSED a floor vote on Third Reading. Major milestone — bill has cleared one chamber.
2025-04-09
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.
2025-04-09
Cross-Chamber
Positive
Chief House SponsorRep. Margaret Croke 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.
2025-04-09
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 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 toFinancial Institutions and Licensing 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.
2025-04-29
Committee Action
Positive
Do Pass / Short DebateFinancial Institutions and Licensing Committee; 012-000-000 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.
2025-04-30
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.
2025-05-13
Co-Sponsorship
Mild +
Added as Co-SponsorSen. Mary Edly-Allen Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2025-05-14
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.
2025-05-14
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.
2025-05-22
Floor Vote
Positive
Third Reading - Short Debate - Passed113-000-000 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.
2025-05-22
Concurrence
Positive
Passed Both Houses Rule 8-1, Rule 8-4
Bill PASSED BOTH CHAMBERS. Major milestone — bill goes to the Governor next.
2025-06-20
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 . . . . . . . . .104-0149 Article IX
Bill signed into law — assigned a Public Act number (e.g., PA 104-0032).
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2025-02-07 | Senate | Filed with Secretary bySen. Mark L. Walker Rule 2-7(b) | Introduction & Filing | — |
| 2025-02-07 | Senate | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-02-07 | Senate | Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-03-04 | Senate | Assigned toFinancial Institutions Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-03-17 | Senate | Senate Committee Amendment No. 1 Filed with Secretary bySen. Mark L. Walker | Amendment Actions | — |
| 2025-03-17 | Senate | Senate Committee Amendment No. 1 Referred toAssignments | Amendment Actions | — |
| 2025-03-18 | Senate | Senate Committee Amendment No. 1 Assignments Refers toFinancial Institutions | Amendment Actions | — |
| 2025-03-18 | Senate | Added as Co-SponsorSen. Karina Villa Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-19 | Senate | Senate Committee Amendment No. 1 Adopted | Amendment Actions | Positive |
| 2025-03-19 | Senate | Do Pass as AmendedFinancial Institutions; 008-000-000 Rule 3-11(a)(1), Rule 3-12(a) | Committee Action | Positive |
| 2025-03-19 | Senate | Placed on Calendar Order of 2nd Reading March 20, 2025 Rule 3-12(a), Rule 4-4(7) | Floor Process | Positive |
| 2025-04-01 | Senate | Senate Floor Amendment No. 2 Filed with Secretary bySen. Mark L. Walker | Amendment Actions | — |
| 2025-04-01 | Senate | Senate Floor Amendment No. 2 Referred toAssignments | Amendment Actions | — |
| 2025-04-01 | Senate | Senate Floor Amendment No. 2 Assignments Refers toFinancial Institutions | Amendment Actions | — |
| 2025-04-03 | Senate | Senate Floor Amendment No. 2 Recommend Do AdoptFinancial Institutions; 008-000-000 | Amendment Actions | — |
| 2025-04-03 | Senate | Second Reading Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b) | Floor Process | Positive |
| 2025-04-03 | Senate | Senate Floor Amendment No. 2 Adopted; Walker | Amendment Actions | — |
| 2025-04-03 | Senate | Placed on Calendar Order of 3rd Reading April 4, 2025 Rule 4-4(8) | Floor Process | Positive |
| 2025-04-04 | Senate | Added as Chief Co-SponsorSen. Graciela Guzmán Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-04 | Senate | Placed on Calendar Order of 3rd Reading ** Rule 4-4(8) | Floor Process | Positive |
| 2025-04-09 | Senate | Placed on Calendar Order of 3rd Reading Rule 4-4(8) | Floor Process | Positive |
| 2025-04-09 | Senate | Third Reading - Passed;056-000-000 Rule 5-1(f) | Floor Vote | Positive |
| 2025-04-09 | House | Arrived in House Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-09 | House | Chief House SponsorRep. Margaret Croke Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-09 | House | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-04-09 | House | Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-04-17 | House | Assigned toFinancial Institutions and Licensing Committee Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-04-29 | House | Do Pass / Short DebateFinancial Institutions and Licensing Committee; 012-000-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) | Committee Action | Positive |
| 2025-04-30 | 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 |
| 2025-05-13 | Senate | Added as Co-SponsorSen. Mary Edly-Allen Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-05-14 | 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 |
| 2025-05-14 | House | Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8) | Floor Process | Positive |
| 2025-05-22 | House | Third Reading - Short Debate - Passed113-000-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 | Floor Vote | Positive |
| 2025-05-22 | Senate | Passed Both Houses Rule 8-1, Rule 8-4 | Concurrence | Positive |
| 2025-06-20 | 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 January 1, 2026 Article IX | Enacted Into Law | Law |
| 2025-08-01 | Senate | Public Act . . . . . . . . .104-0149 Article IX | Enacted Into Law | Law |