Bill Status of HB 1234   104th General Assembly

Short Description:  INS RATEMAKING-AFFORDABILITY

House Sponsors
Rep. Rita Mayfield-Abdelnasser Rashid, Lilian Jiménez, Carol Ammons, Norma Hernandez, Lisa Davis, Stephanie A. Kifowit, Barbara Hernandez, Theresa Mah, Kevin John Olickal, Nicolle Grasse, Anne Stava-Murray, Nicholas K. Smith, Dagmara Avelar, Hoan Huynh and Camille Y. Lilly

Senate Sponsors
(Sen. Ram Villivalam, Adriane Johnson, Lakesia Collins, Mike Porfirio, Cristina Castro, Laura Fine, Karina Villa, Mary Edly-Allen, Sara Feigenholtz, Doris Turner, Rachel Ventura, Mike Simmons-Willie Preston, Javier L. Cervantes, Robert F. Martwick, Mattie Hunter and Christopher Belt)


Last Action  View All Actions

DateChamber Action
  6/2/2025SenateRule 3-9(a) / Re-referred to Assignments

Statutes Amended In Order of Appearance
20 ILCS 4070/15
20 ILCS 4070/20

Synopsis As Introduced
Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately.

House Committee Amendment No. 1
Deletes reference to:
20 ILCS 4070/15
20 ILCS 4070/20
Adds reference to:
15 ILCS 305/38 new

Replaces everything after the enacting clause. Amends the Secretary of State Act. Provides that, by January 1, 2026, the Secretary of State shall conduct a study on the affordability and availability of statutorily mandated automobile insurance in the State. Provides that, when conducting the study, the Secretary of State may use data or academic studies conducted by other sources, solicit feedback and testimony from constituents and community leaders, consider any guidance, written or otherwise, provided by insurance industry experts based in the State, and consider statutes and regulations in other states and national trends. Provides that the study shall include, but shall not be limited to, the use of zip codes, credit scores, and age in ratemaking and whether the specific factor results in inequitable rates being assessed to certain populations. Provides that, no later than January 1, 2026, the Secretary of State shall submit the report and its recommendations to the Governor and the General Assembly. Effective immediately.

Actions 
DateChamber Action
  1/10/2025HouseFiled with the Clerk by Rep. Rita Mayfield
  1/28/2025HouseFirst Reading
  1/28/2025HouseReferred to Rules Committee
  2/11/2025HouseAssigned to Insurance Committee
  2/27/2025HouseAdded Co-Sponsor Rep. Lilian Jiménez
  3/13/2025HouseHouse Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield
  3/13/2025HouseHouse Committee Amendment No. 1 Referred to Rules Committee
  3/18/2025HouseHouse Committee Amendment No. 1 Rules Refers to Insurance Committee
  3/18/2025HouseHouse Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote
  3/18/2025HouseDo Pass as Amended / Short Debate Insurance Committee; 011-006-000
  3/19/2025HousePlaced on Calendar 2nd Reading - Short Debate
  3/25/2025HouseSecond Reading - Short Debate
  3/25/2025HousePlaced on Calendar Order of 3rd Reading - Short Debate
  4/2/2025HouseAdded Co-Sponsor Rep. Carol Ammons
  4/3/2025HouseAdded Co-Sponsor Rep. Norma Hernandez
  4/3/2025HouseAdded Co-Sponsor Rep. Lisa Davis
  4/3/2025HouseAdded Co-Sponsor Rep. Stephanie A. Kifowit
  4/4/2025HouseAdded Co-Sponsor Rep. Barbara Hernandez
  4/4/2025HouseAdded Co-Sponsor Rep. Theresa Mah
  4/4/2025HouseAdded Co-Sponsor Rep. Kevin John Olickal
  4/7/2025HouseAdded Co-Sponsor Rep. Nicolle Grasse
  4/7/2025HouseAdded Co-Sponsor Rep. Anne Stava-Murray
  4/8/2025HouseAdded Co-Sponsor Rep. Nicholas K. Smith
  4/8/2025HouseAdded Co-Sponsor Rep. Dagmara Avelar
  4/8/2025HouseThird Reading - Short Debate - Passed 070-039-000
  4/8/2025HouseAdded Chief Co-Sponsor Rep. Abdelnasser Rashid
  4/8/2025HouseAdded Co-Sponsor Rep. Hoan Huynh
  4/9/2025SenateArrive in Senate
  4/9/2025SenatePlaced on Calendar Order of First Reading
  4/9/2025SenateChief Senate Sponsor Sen. Lakesia Collins
  4/9/2025SenateFirst Reading
  4/9/2025SenateReferred to Assignments
  4/10/2025HouseAdded Co-Sponsor Rep. Camille Y. Lilly
  4/11/2025SenateAlternate Chief Sponsor Changed to Sen. Ram Villivalam
  4/22/2025SenateAdded as Alternate Co-Sponsor Sen. Adriane Johnson
  4/23/2025SenateAdded as Alternate Co-Sponsor Sen. Lakesia Collins
  4/23/2025SenateAdded as Alternate Co-Sponsor Sen. Mike Porfirio
  4/23/2025SenateAdded as Alternate Co-Sponsor Sen. Cristina Castro
  4/24/2025SenateAdded as Alternate Co-Sponsor Sen. Laura Fine
  4/24/2025SenateAdded as Alternate Co-Sponsor Sen. Karina Villa
  4/24/2025SenateAdded as Alternate Co-Sponsor Sen. Mary Edly-Allen
  4/24/2025SenateAdded as Alternate Co-Sponsor Sen. Sara Feigenholtz
  4/24/2025SenateAdded as Alternate Co-Sponsor Sen. Doris Turner
  4/25/2025SenateAdded as Alternate Co-Sponsor Sen. Rachel Ventura
  4/29/2025SenateAdded as Alternate Co-Sponsor Sen. Mike Simmons
  4/29/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Willie Preston
  5/1/2025SenateAdded as Alternate Co-Sponsor Sen. Javier L. Cervantes
  5/2/2025SenateAdded as Alternate Co-Sponsor Sen. Robert F. Martwick
  5/7/2025SenateAdded as Alternate Co-Sponsor Sen. Mattie Hunter
  5/13/2025SenateAdded as Alternate Co-Sponsor Sen. Christopher Belt
  5/20/2025SenateRule 2-10 Committee Deadline Established As May 23, 2025
  5/20/2025SenateAssigned to Insurance
  5/21/2025SenateSenate Committee Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
  5/21/2025SenateSenate Committee Amendment No. 1 Referred to Assignments
  5/23/2025SenateRule 2-10 Committee Deadline Established As June 1, 2025
  5/27/2025SenateSenate Committee Amendment No. 1 Assignments Refers to Insurance
  5/27/2025SenateSenate Committee Amendment No. 1 Postponed - Insurance
  5/27/2025SenatePostponed - Insurance
  6/2/2025SenateRule 3-9(a) / Re-referred to Assignments
  6/2/2025SenateSenate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments

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