104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
HB1234
 
Introduced 1/28/2025, by Rep. Rita Mayfield
 
SYNOPSIS AS INTRODUCED:
 
20 ILCS 4070/15
20 ILCS 4070/20
    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.


LRB104 06172 SPS 16206 b

 
 
A BILL FOR
 
HB1234LRB104 06172 SPS 16206 b

1    AN ACT concerning State government.
 
2    Be it enacted by the People of the State of Illinois, 
3represented in the General Assembly:
 
4    Section 5. The Commission on Discrimination and Hate 
5Crimes Act is amended by changing Sections 15 and 20 as 
6follows:
 
7    (20 ILCS 4070/15)
8    Sec. 15. Purposes of Commission. 
9    (a) The purposes of the Commission include, but are not 
10limited to, the following: 
11        (1) To work in partnership with community leaders, 
12    educators, religious leaders, social service agencies, 
13    elected officials, and the public to identify and uproot 
14    sources of discrimination and bias at the source. 
15        (2) To work with local governments, law enforcement 
16    officials and prosecutors, educators, and community 
17    organizations by assisting with the development of 
18    resources, training, and information that allow for a 
19    swift and efficient response to hate-motivated crimes and 
20    incidents.
21        (3) To work with educators throughout Illinois on 
22    issues concerning discrimination and hate, teaching 
23    acceptance, and embracing diversity at academic 
 
 
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1    institutions.
2        (4) To help ensure that this State's laws addressing 
3    discrimination and hate-related violence are widely known 
4    and applied correctly to help eradicate and prevent crimes 
5    based on discrimination and intolerance.
6        (5) To make recommendations to the Governor and the 
7    General Assembly for statutory and programmatic changes 
8    necessary to eliminate discrimination and hate-based 
9    violence. 
10        (6) To help implement recommendations by working with 
11    State agencies, the General Assembly, the business 
12    community, the social service community, and other 
13    organizations. 
14    (b) The Commission shall research and identify any 
15discriminatory practices used by insurance companies in the 
16ratemaking process for home insurance and automobile 
17insurance, including, but not limited to, the use of zip 
18codes, credit scores, and age in a manner that results in 
19inequitable rates being assessed to certain populations. The 
20Commission shall make recommendations to the Governor and the 
21General Assembly for statutory and programmatic changes 
22necessary to address its findings under this subsection.
23(Source: P.A. 95-425, eff. 8-24-07.)
 
24    (20 ILCS 4070/20)
25    Sec. 20. Annual report. The Commission shall submit a 
 
 
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1report to the Governor and the General Assembly by March 30 of 
2each year. Beginning with the report that is due by March 30, 
32026, the Commission shall include any findings and 
4recommendations it makes under subsection (b) of Section 15.
5(Source: P.A. 95-425, eff. 8-24-07.)
 
6    Section 99. Effective date. This Act takes effect upon 
7becoming law.