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HB1234 - 104th General Assembly
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, Nicholas K. Smith, Dagmara Avelar, Hoan Huynh and Camille Y. Lilly
Senate Sponsors
(Sen. Ram Villivalam - Willie Preston, Adriane Johnson, Lakesia Collins, Mike Porfirio, Cristina Castro, Laura Fine, Karina Villa, Mary Edly-Allen, Sara Feigenholtz, Doris Turner, Rachel Ventura, Mike Simmons, Javier L. Cervantes, Robert F. Martwick, Mattie Hunter and Christopher Belt)
Statutes Amended In Order of Appearance
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:
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
| Date | Chamber | Action |
|---|---|---|
| 1/10/2025 | House | Filed with the Clerk by Rep. Rita Mayfield |
| 1/28/2025 | House | First Reading |
| 1/28/2025 | House | Referred to Rules Committee |
| 2/11/2025 | House | Assigned to Insurance Committee |
| 2/27/2025 | House | Added Co-Sponsor Rep. Lilian Jiménez |
| 3/13/2025 | House | House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield |
| 3/13/2025 | House | House Committee Amendment No. 1 Referred to Rules Committee |
| 3/18/2025 | House | House Committee Amendment No. 1 Rules Refers to Insurance Committee |
| 3/18/2025 | House | House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote |
| 3/18/2025 | House | Do Pass as Amended / Short Debate Insurance Committee; 011-006-000 |
| 3/19/2025 | House | Placed on Calendar 2nd Reading - Short Debate |
| 3/25/2025 | House | Second Reading - Short Debate |
| 3/25/2025 | House | Placed on Calendar Order of 3rd Reading - Short Debate |
| 4/02/2025 | House | Added Co-Sponsor Rep. Carol Ammons |
| 4/03/2025 | House | Added Co-Sponsor Rep. Norma Hernandez |
| 4/03/2025 | House | Added Co-Sponsor Rep. Lisa Davis |
| 4/03/2025 | House | Added Co-Sponsor Rep. Stephanie A. Kifowit |
| 4/04/2025 | House | Added Co-Sponsor Rep. Barbara Hernandez |
| 4/04/2025 | House | Added Co-Sponsor Rep. Theresa Mah |
| 4/04/2025 | House | Added Co-Sponsor Rep. Kevin John Olickal |
| 4/07/2025 | House | Added Co-Sponsor Rep. Nicolle Grasse |
| 4/07/2025 | House | Added Co-Sponsor Rep. Anne Stava |
| 4/08/2025 | House | Added Co-Sponsor Rep. Nicholas K. Smith |
| 4/08/2025 | House | Added Co-Sponsor Rep. Dagmara Avelar |
| 4/08/2025 | House | Third Reading - Short Debate - Passed 070-039-000 |
| 4/08/2025 | House | Added Chief Co-Sponsor Rep. Abdelnasser Rashid |
| 4/08/2025 | House | Added Co-Sponsor Rep. Hoan Huynh |
| 4/09/2025 | Senate | Arrive in Senate |
| 4/09/2025 | Senate | Placed on Calendar Order of First Reading |
| 4/09/2025 | Senate | Chief Senate Sponsor Sen. Lakesia Collins |
| 4/09/2025 | Senate | First Reading |
| 4/09/2025 | Senate | Referred to Assignments |
| 4/10/2025 | House | Added Co-Sponsor Rep. Camille Y. Lilly |
| 4/11/2025 | Senate | Alternate Chief Sponsor Changed to Sen. Ram Villivalam |
| 4/22/2025 | Senate | Added as Alternate Co-Sponsor Sen. Adriane Johnson |
| 4/23/2025 | Senate | Added as Alternate Co-Sponsor Sen. Lakesia Collins |
| 4/23/2025 | Senate | Added as Alternate Co-Sponsor Sen. Mike Porfirio |
| 4/23/2025 | Senate | Added as Alternate Co-Sponsor Sen. Cristina Castro |
| 4/24/2025 | Senate | Added as Alternate Co-Sponsor Sen. Laura Fine |
| 4/24/2025 | Senate | Added as Alternate Co-Sponsor Sen. Karina Villa |
| 4/24/2025 | Senate | Added as Alternate Co-Sponsor Sen. Mary Edly-Allen |
| 4/24/2025 | Senate | Added as Alternate Co-Sponsor Sen. Sara Feigenholtz |
| 4/24/2025 | Senate | Added as Alternate Co-Sponsor Sen. Doris Turner |
| 4/25/2025 | Senate | Added as Alternate Co-Sponsor Sen. Rachel Ventura |
| 4/29/2025 | Senate | Added as Alternate Co-Sponsor Sen. Mike Simmons |
| 4/29/2025 | Senate | Added as Alternate Chief Co-Sponsor Sen. Willie Preston |
| 5/01/2025 | Senate | Added as Alternate Co-Sponsor Sen. Javier L. Cervantes |
| 5/02/2025 | Senate | Added as Alternate Co-Sponsor Sen. Robert F. Martwick |
| 5/07/2025 | Senate | Added as Alternate Co-Sponsor Sen. Mattie Hunter |
| 5/13/2025 | Senate | Added as Alternate Co-Sponsor Sen. Christopher Belt |
| 5/20/2025 | Senate | Rule 2-10 Committee Deadline Established As May 23, 2025 |
| 5/20/2025 | Senate | Assigned to Insurance |
| 5/21/2025 | Senate | Senate Committee Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam |
| 5/21/2025 | Senate | Senate Committee Amendment No. 1 Referred to Assignments |
| 5/23/2025 | Senate | Rule 2-10 Committee Deadline Established As June 1, 2025 |
| 5/27/2025 | Senate | Senate Committee Amendment No. 1 Assignments Refers to Insurance |
| 5/27/2025 | Senate | Senate Committee Amendment No. 1 Postponed - Insurance |
| 5/27/2025 | Senate | Postponed - Insurance |
| 6/02/2025 | Senate | Rule 3-9(a) / Re-referred to Assignments |
| 6/02/2025 | Senate | Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments |