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HB4479

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CONSUMER FRAUD-SOLICIT LOANS

What this bill does

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not knowingly mail or send or cause to be mailed or sent a letter or postcard to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money, if the letter or postcard: (1) contains language that states or implies that any response by a consumer is required; or (2) resembles a check or tax document published and mailed by the Internal Revenue Service or the Department of Revenue. Provides that any letter or postcard mailed or sent to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money shall be sent in a white envelope or postcard and include specified disclosures. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.

Sponsor: Anne Stava Chamber: House Introduced: 2026-01-16
Stuck
P(Advance)
8.8%
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).
Confidence: 91%

Calculating prediction drivers...

Pipeline Progress

Current stage: In Committee · Last action 263 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.

$73,423.65 Across sponsors / voters
1 Members with trails
0 Overlapping donors

Sponsor and voter funding

Member Role Receipts Total received Top donors
Anne Stava Chief sponsor 43 $73,423.65 Democrats for the Illinois House ($32,521.44); Chicagoland Operators Joint Labor Management PAC ($6,500.00); West Suburban Teachers Union Local 571 COPE/PAC Fund ($5,115.21)

Top donors across these members

Donor Occupation Employer Receipts Total
Democrats for the Illinois House — — 5 $32,521.44
Chicagoland Operators Joint Labor Management PAC — — 1 $6,500.00
West Suburban Teachers Union Local 571 COPE/PAC Fund — — 3 $5,115.21
I.P.A.C.E. — — 1 $5,000.00
Illinois Trial Lawyers Association Political Action Committee — — 3 $4,000.00
AFSCME Illinois Council No. 31 Political Action Committee — — 2 $4,000.00
Debra Stava — — 4 $3,750.00
Sports Betting Alliance — — 1 $2,500.00
INA-PAC — — 3 $1,000.00
Cook County College Teachers Union - COPE — — 2 $1,000.00
Doordash Inc. — — 1 $1,000.00
Robin Tryloff N/a N/a 1 $1,000.00
Team Welch for 7th District — — 1 $1,000.00
Dent-IL PAC — — 1 $1,000.00
Everytown for Gun Safety — — 1 $1,000.00
SEIU HealthCare IL IN PAC — — 1 $500.00
Spencer Gore — — 1 $500.00
Lydnsey Kokoris — — 2 $450.00
Andrea Molina — — 1 $275.00
Liz Brown-Reeves — — 1 $250.00
Kelly Dahle — — 1 $250.00
Chris Gilmartin — — 1 $250.00
Larry Larson — — 2 $200.00
Allison Heverin — — 2 $200.00
Kimberly Brondyke — — 1 $162.00

Hearings

This bill has not been scheduled for a committee hearing.

Action History

3 actions recorded. Last action: 2026-01-20 — Referred toRules Committee. Each action's meaning and outcome signal are classified automatically.

2026-01-16 Introduction & Filing
Filed with the Clerk byRep. Anne Stava House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2026-01-20 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.
2026-01-20 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.

All actions (table)

Date Chamber Action Category Signal
2026-01-16 House Filed with the Clerk byRep. Anne Stava House Rule 6(b) Introduction & Filing —
2026-01-20 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2026-01-20 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —