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SB2648

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TITLE INSURANCE TRANSFER

What this bill does

Amends the Title Insurance Act. Provides for the enforcement of the Act by the Department of Insurance (rather than the Department of Financial and Professional Regulation). Provides that all powers, duties, rights, and responsibilities of the Department of Financial and Professional Regulation and the Secretary of Financial and Professional Regulation under the Act are transferred to the Department of Insurance and Director of Insurance, respectively. Provides for the transfer of books, records, papers, documents, property, contracts, causes of action, pending business, and certain funds from the Department of Financial and Professional Regulation to the Department of Insurance. Provides that rules and proposed rules by the Department of Financial and Professional Regulation under the Act shall become rules and proposed rules of the Department of Insurance. Provides that all moneys received by the Department of Insurance under the Act shall be deposited into the Insurance Financial Regulation Fund (rather than the Financial Institution Fund). Makes conforming and grammatical changes throughout the Act. Amends the State Finance Act and the Financial Institutions Act to make conforming changes. Amends the Residential Real Property Disclosure Act to transfer authority over the predatory lending database from the Department of Financial and Professional Regulation to the Department of Insurance.

Sponsor: Bill Cunningham Chamber: Senate Introduced: 2025-04-10
Stuck
P(Advance)
9.8%
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
0.5%
Low P(law) at intro — sponsor & topic only; no progress or delay.
Confidence: 90%

Calculating prediction drivers...

Pipeline Progress

Current stage: In Committee · Last action 165 days ago · SLOW

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

Hearings

This bill has not been scheduled for a committee hearing.

Action History

5 actions recorded. Last action: 2026-01-27 — Assigned toJudiciary. Each action's meaning and outcome signal are classified automatically.

2025-04-10 Introduction & Filing
Filed with Secretary bySen. Bill Cunningham Rule 2-7(b)
Bill officially submitted to the Senate Secretary during the session.
2025-04-10 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.
2025-04-10 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.
2025-04-29 Co-Sponsorship Mild +
Added as Co-SponsorSen. Paul Faraci Senate Rule 5-1(a); House Rule 37(a)
A legislator added as co-sponsor.
2026-01-27 Committee Assignment
Assigned toJudiciary 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.

All actions (table)

Date Chamber Action Category Signal
2025-04-10 Senate Filed with Secretary bySen. Bill Cunningham Rule 2-7(b) Introduction & Filing —
2025-04-10 Senate First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2025-04-10 Senate Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2025-04-29 Senate Added as Co-SponsorSen. Paul Faraci Senate Rule 5-1(a); House Rule 37(a) Co-Sponsorship Mild +
2026-01-27 Senate Assigned toJudiciary Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —