Illinois 96th Regular Session Status: In Committee 1 D cosponsors

SB 2105 — INS CD-CREDIT IN UNDERWRITING

Last action — Session Sine Die

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill died with 96th Regular Session. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there is no live prognosis. It would have to be reintroduced in the current session to move again.

Summary

Amends the Use of Credit Information in Personal Insurance Act. In the provision concerning scope, includes non-commercial farm owners insurance policies and personal umbrella policies in the definition of "personal insurance". Makes changes in the provision concerning definitions. Makes changes in the provision concerning the use of credit information. Sets forth the methods that an insurer may use in its credit-related underwriting and rating of consumers. Sets forth disclosure requirements. Adds military deployment of a consumer to the definition of "extraordinary life event". Provides that an insurer must file language in its underwriting guidelines acknowledging the requirement to review and consider extraordinary life events. Provides that an insurer shall re-underwrite the consumer within 30 days if it is determined through any dispute resolution process (instead of the dispute resolution process set forth in the federal Fair Credit Reporting Act) that the credit information of a consumer was incorrect. Provides that scoring models filed by third parties are considered as filed by insurers and subject to the requirements of the Act. Provides that all rate, rating rule, underwriting guideline, and scoring model filings relating to credit information will be deemed to be public information and not considered to be a trade secret under the Illinois Trade Secrets Act. Makes other changes. Effective immediately.

Bill Text

Action History

  1. Session Sine Die

  2. Rule 3-9(a) / Re-referred to Assignments

  3. To Consumer Protection Subcommittee on Special Issues

  4. Assigned to Consumer Protection

  5. Referred to Assignments

  6. First Reading

  7. Filed with Secretary by Sen. Mattie Hunter

Sponsors

Sponsorship breakdown

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0 sponsors · 1 co-sponsors · 182 not signed on

Sponsors (0)

None.

Co-sponsors (1)

Not signed on (182)

182 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance veterans
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB 2105 do?
Amends the Use of Credit Information in Personal Insurance Act. In the provision concerning scope, includes non-commercial farm owners insurance policies and personal umbrella policies in the definition of "personal insurance". Makes changes in the provision concerning definitions. Makes changes in the provision concerning the use of credit information. Sets forth the methods that an insurer may use in its credit-related underwriting and rating of consumers. Sets forth disclosure requirements. Adds military deployment of a consumer to the definition of "extraordinary life event". Provides that an insurer must file language in its underwriting guidelines acknowledging the requirement to review and consider extraordinary life events. Provides that an insurer shall re-underwrite the consumer within 30 days if it is determined through any dispute resolution process (instead of the dispute resolution process set forth in the federal Fair Credit Reporting Act) that the credit information of a consumer was incorrect. Provides that scoring models filed by third parties are considered as filed by insurers and subject to the requirements of the Act. Provides that all rate, rating rule, underwriting guideline, and scoring model filings relating to credit information will be deemed to be public information and not considered to be a trade secret under the Illinois Trade Secrets Act. Makes other changes. Effective immediately.
Who sponsors SB 2105?
SB 2105 is sponsored by Mattie Hunter (Democrat).
What is the current status of SB 2105?
This bill died with 96th Regular Session. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track SB 2105?
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Last checked for changes 3 months ago · updated continuously

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