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HB3754

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INS CD-OUTSTANDING BALANCE

What this bill does

Amends the Accident and Health Insurance Article of the Illinois Insurance Code. Provides that when an insured person or policyholder requests, in writing, from the insurance issuer a confirmation of the current outstanding balance due from the insured person or policyholder, the insurance issuer may charge a fee of no more than $40 to provide that information. Requires the fee to be reasonably related to the work and time required to confirm the total balance owed. Sets forth requirements that must be met before an insurance issuer may turn an outstanding balance over to a collection agent, including requiring a written communication to the insured person or policyholder from whom money is owed, requiring the insurer to allow the insured person or policyholder 7 calendar days after receipt of the written communication to either confirm receipt of the written communication and agree to pay or to request a different time frame, and the insurer to attempt in good faith to agree on a time frame for all outstanding moneys owed to be paid. Provides that if an agreement to pay is not reached within 7 calendar days after receipt of the written notice or payment is not made by the agreed-upon time frame, the insurance issuer may turn the delinquent account over to a collection agent.

Sponsor: Mary Gill Chamber: House Introduced: 2025-02-07
Stuck
P(Advance)
13.2%
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).
Confidence: 87%

Calculating prediction drivers...

Pipeline Progress

Current stage: Floor Vote · Last action 547 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

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.

$171,781.13 Across sponsors / voters
1 Members with trails
0 Overlapping donors

Sponsor and voter funding

Member Role Receipts Total received Top donors
Mary Gill Chief sponsor 139 $171,781.13 Cunningham, Friends of Bill ($25,190.83); Chicago John Dineen #7 ($10,500.00); Realtor Political Action Committee ($7,500.00)

Top donors across these members

Donor Occupation Employer Receipts Total
Cunningham, Friends of Bill — — 2 $25,190.83
Chicago John Dineen #7 — — 3 $10,500.00
Realtor Political Action Committee — — 3 $7,500.00
West Suburban Teachers Union Local 571 Cope — — 3 $7,459.40
Chicago Land Operators Joint Labor-Management PAC — — 1 $6,500.00
IBEW Illinois PAC — — 2 $6,000.00
LIUNA Chicago Laborers' District Council PAC — — 2 $5,500.00
I.P.A.C.E. — — 1 $5,000.00
Chicago Firefighters Union Local 2 PAC — — 2 $4,500.00
IMHA-PAC — — 2 $4,000.00
Bridge & Structural Reinforcing PAC — — 3 $3,000.00
Fraternal Order of Police Lodge 7 — — 1 $2,500.00
Sports Betting Alliance — — 1 $2,500.00
I.U.O.E. Local 399 PEF — — 3 $2,500.00
Pipefitters Association Local 597 UA — — 1 $2,500.00
Local 134 Pac IBEW — — 1 $2,500.00
Amazon.com Services LLC — — 2 $2,000.00
Illinois Laborers' Legislative Committee — — 2 $2,000.00
Heat & Frost Insulators Local 17 PAC — — 2 $2,000.00
Carpentry Advancement PAC — — 2 $2,000.00
J & J Ventures Gaming LLC — — 2 $2,000.00
Illinois Trial Lawyers Association PAC — — 1 $2,000.00
Ameren Illinois — — 1 $2,000.00
AFSCME Illinois Council N0. 31 PAC — — 1 $2,000.00
Associated Fire Fighters of IL PAC — — 2 $1,750.00

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 17 0 0 0 Passed 17 —

Action History

13 actions recorded. Last action: 2025-04-11 — House Floor Amendment No. 1 Rule 19(c) / Re-referred toRules Committee. Each action's meaning and outcome signal are classified automatically.

2025-02-07 Introduction & Filing
Filed with the Clerk byRep. Mary Gill House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2025-02-18 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.
2025-02-18 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.
2025-03-11 Committee Assignment
Assigned toInsurance 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.
2025-03-20 Committee Action Positive
Do Pass / Short DebateInsurance Committee; 017-000-000 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.
2025-03-21 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.
2025-03-26 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 Filed with Clerk byRep. Mary Gill
[Amendment] Amendment sub-action.
2025-04-08 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.
2025-04-08 Amendment Actions
House Floor Amendment No. 1 Rules Refers toInsurance Committee
[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.

All actions (table)

Date Chamber Action Category Signal
2025-02-07 House Filed with the Clerk byRep. Mary Gill House Rule 6(b) Introduction & Filing —
2025-02-18 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-02-18 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-03-11 House Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2025-03-20 House Do Pass / Short DebateInsurance Committee; 017-000-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) Committee Action Positive
2025-03-21 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
2025-03-26 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 Filed with Clerk byRep. Mary Gill Amendment Actions —
2025-04-08 House House Floor Amendment No. 1 Referred toRules Committee Amendment Actions —
2025-04-08 House House Floor Amendment No. 1 Rules Refers toInsurance Committee 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 —