Illinois 104th General Assembly Status: To Executive 19 D cosponsors

HB3352      — COLLECTION AGENCY COERCED DEBT

Last action — Public Act . . . . . . . . . 104-0297

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

This bill has been sent to the executive. Introduced February 07, 2025. It awaits signature.

Next likely step: the executive signs it into law or issues a veto.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 74% · moderate confidence

  • To Executive

    Current position in the legislative process.

  • 30 sponsors

    1 primary, 29 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (19 D).

  • Cleared a recorded vote

    Passed 5 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.

Bill Text

We don't have the full text on file for this bill yet.

Read HB3352 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0297

  2. Effective Date January 1, 2026

  3. Governor Approved

  4. Added as Alternate Co-Sponsor Sen. Graciela Guzmán

  5. Sent to the Governor

  6. Added as Alternate Co-Sponsor Sen. Steve Stadelman

  7. Added as Alternate Co-Sponsor Sen. Christopher Belt

  8. Added as Alternate Chief Co-Sponsor Sen. Sue Rezin

  9. Added as Alternate Co-Sponsor Sen. Willie Preston

  10. Added as Alternate Co-Sponsor Sen. Mary Edly-Allen

  11. Added as Alternate Co-Sponsor Sen. Adriane L. Johnson

  12. Passed Both Houses

  13. Third Reading - Passed; 056-000-000

  14. Added as Alternate Co-Sponsor Sen. Karina Villa

  15. Added as Alternate Co-Sponsor Sen. Celina Villanueva

  16. Added Co-Sponsor Rep. Thaddeus Jones

  17. Placed on Calendar Order of 3rd Reading May 13, 2025

  18. Second Reading

  19. Placed on Calendar Order of 2nd Reading May 8, 2025

  20. Do Pass Financial Institutions; 008-000-000

  21. Added as Alternate Co-Sponsor Sen. Rachel Ventura

  22. Added as Alternate Chief Co-Sponsor Sen. Robert Peters

  23. Assigned to Financial Institutions

  24. Added Co-Sponsor Rep. Amy Briel

  25. Referred to Assignments

  26. First Reading

  27. Chief Senate Sponsor Sen. Kimberly A. Lightford

  28. Placed on Calendar Order of First Reading

  29. Arrive in Senate

  30. Added Co-Sponsor Rep. Hoan Huynh

  31. Added Co-Sponsor Rep. Rita Mayfield

  32. Added Co-Sponsor Rep. Nicolle Grasse

  33. Third Reading - Short Debate - Passed 089-023-000

  34. Placed on Calendar Order of 3rd Reading - Short Debate

  35. House Floor Amendment No. 1 Adopted

  36. Added Co-Sponsor Rep. Camille Y. Lilly

  37. Added Co-Sponsor Rep. Theresa Mah

  38. House Floor Amendment No. 1 Recommends Be Adopted Judiciary - Civil Committee; 020-000-000

  39. Added Co-Sponsor Rep. Diane Blair-Sherlock

  40. House Floor Amendment No. 1 Rules Refers to Judiciary - Civil Committee

  41. House Floor Amendment No. 1 Referred to Rules Committee

  42. House Floor Amendment No. 1 Filed with Clerk by Rep. Kelly M. Cassidy

  43. Held on Calendar Order of Second Reading - Short Debate

  44. Second Reading - Short Debate

  45. Placed on Calendar 2nd Reading - Short Debate

  46. Do Pass / Short Debate Judiciary - Civil Committee; 013-007-000

  47. Assigned to Judiciary - Civil Committee

  48. Added Co-Sponsor Rep. Justin Slaughter

  49. Added Co-Sponsor Rep. Jehan Gordon-Booth

  50. Added Co-Sponsor Rep. Jennifer Gong-Gershowitz

  51. Added Co-Sponsor Rep. Stephanie A. Kifowit

  52. Added Co-Sponsor Rep. Maura Hirschauer

  53. Added Co-Sponsor Rep. Kevin John Olickal

  54. Added Co-Sponsor Rep. Joyce Mason

  55. Added Co-Sponsor Rep. Dagmara Avelar

  56. Referred to Rules Committee

  57. First Reading

  58. Remove Chief Co-Sponsor Rep. Bradley Fritts

  59. Added Chief Co-Sponsor Rep. Bradley Fritts

  60. Added Chief Co-Sponsor Rep. Nabeela Syed

  61. Filed with the Clerk by Rep. Kelly M. Cassidy

Sponsors

Sponsorship breakdown

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1 sponsors · 29 co-sponsors · 153 not signed on · 27 voted No

Sponsors (1)

Co-sponsors (29)

Not signed on (153)

153 members have not signed on to this bill.

Show all 153 →

"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

Votes

Third Reading

Passed 56 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 18001
Democrat 36002
Unaffiliated 1000
Total 55003
% of votes cast 95%0%0%5%
How each member voted (58)
Member Party Vote
Johnson — Yea
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Not Voting
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Graciela Guzmán Democrat Yea
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Yea
Lakesia Collins Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Laura M. Murphy Democrat Yea
Linda Holmes Democrat Yea
Mark L. Walker Democrat Yea
Mary Edly-Allen Democrat Yea
Mattie Hunter Democrat Yea
Meg Loughran Cappel Democrat Not Voting
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Yea
Mike Simmons Democrat Yea
Napoleon Harris III Democrat Yea
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Yea
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Yea
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Thaddeus Jones Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Not Voting
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Yea
Darby A. Hills Republican Yea
Dave Syverson Republican Yea
Donald P. DeWitte Republican Yea
Erica Harriss Republican Yea
Jason Plummer Republican Yea
Jil Tracy Republican Yea
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Yea
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Yea
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Third Reading

Passed 89 Yea · 23 Nay
Party YeaNayPresentNot Voting
Unaffiliated 4000
Democrat 70004
Republican 142302
Total 882306
% of votes cast 75%20%0%5%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Stava-Murray — Yea
Hernandez, Lisa — Yea
Aarón M. Ortíz Democrat Yea
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Yea
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Not Voting
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Yea
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Yea
Eva-Dina Delgado Democrat Yea
Fred Crespo Democrat Not Voting
Harry Benton Democrat Yea
Hoan Huynh Democrat Yea
Jaime M. Andrade, Jr. Democrat Yea
Janet Yang Rohr Democrat Yea
Jawaharial Williams Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Slaughter Democrat Yea
Kam Buckner Democrat Yea
Katie Stuart Democrat Yea
Kelly M. Cassidy Democrat Yea
Kevin John Olickal Democrat Yea
Kimberly Du Buclet Democrat Yea
La Shawn K. Ford Democrat Yea
Laura Faver Dias Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Yea
Marcus C. Evans, Jr. Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter Democrat Yea
Martin J. Moylan Democrat Yea
Mary Beth Canty Democrat Yea
Mary Gill Democrat Yea
Matt Hanson Democrat Yea
Maura Hirschauer Democrat Yea
Maurice A. West, II Democrat Yea
Michael Crawford Democrat Yea
Michael J. Kelly Democrat Yea
Michelle Mussman Democrat Yea
Nabeela Syed Democrat Yea
Natalie A. Manley Democrat Yea
Nicholas K. Smith Democrat Yea
Nicolle Grasse Democrat Yea
Norma Hernandez Democrat Yea
Rick Ryan Democrat Yea
Rita Mayfield Democrat Yea
Robert "Bob" Rita Democrat Yea
Robyn Gabel Democrat Yea
Sharon Chung Democrat Not Voting
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Not Voting
Suzanne M. Ness Democrat Yea
Terra Costa Howard Democrat Yea
Thaddeus Jones Democrat Yea
Theresa Mah Democrat Yea
Tracy Katz Muhl Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Nay
Amy Elik Republican Nay
Amy L. Grant Republican Nay
Blaine Wilhour Republican Nay
Brad Halbrook Republican Nay
Brad Stephens Republican Yea
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Nay
Christopher "C.D." Davidsmeyer Republican Nay
Dan Swanson Republican Yea
Daniel J. Ugaste Republican Yea
Dave Severin Republican Nay
David Friess Republican Nay
Dennis Tipsword Republican Nay
Jackie Haas Republican Yea
Jason R. Bunting Republican Nay
Jed Davis Republican Yea
Jeff Keicher Republican Nay
Jennifer Sanalitro Republican Not Voting
Joe C. Sosnowski Republican Nay
John M. Cabello Republican Nay
Kevin Schmidt Republican Yea
Kyle Moore Republican Nay
Martin McLaughlin Republican Nay
Michael J. Coffey, Jr. Republican Nay
Nicole La Ha Republican Nay
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Nay
Patrick Windhorst Republican Nay
Regan Deering Republican Nay
Ryan Spain Republican Yea
Steven Reick Republican Yea
Tom Weber Republican Nay
Tony M. McCombie Republican Yea
Travis Weaver Republican Nay
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Not Voting

Official roll call →

Judiciary

Passed 20 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 13000
Republican 7000
Total 20000
% of votes cast 100%0%0%0%
How each member voted (20)
Member Party Vote
Ann M. Williams Democrat Yea
Curtis J. Tarver, II Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Eva-Dina Delgado Democrat Yea
Jay Hoffman Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Kam Buckner Democrat Yea
Kevin John Olickal Democrat Yea
Lilian Jiménez Democrat Yea
Margaret Croke Democrat Yea
Mary Beth Canty Democrat Yea
Tracy Katz Muhl Democrat Yea
Bradley Fritts Republican Yea
Daniel J. Ugaste Republican Yea
David Friess Republican Yea
Jed Davis Republican Yea
Martin McLaughlin Republican Yea
Steven Reick Republican Yea
Tom Weber Republican Yea

Official roll call →

Judiciary

Passed 13 Yea · 7 Nay
Party YeaNayPresentNot Voting
Democrat 13000
Republican 0700
Total 13700
% of votes cast 65%35%0%0%
How each member voted (20)
Member Party Vote
Ann M. Williams Democrat Yea
Curtis J. Tarver, II Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Eva-Dina Delgado Democrat Yea
Jay Hoffman Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Kam Buckner Democrat Yea
Kevin John Olickal Democrat Yea
Lilian Jiménez Democrat Yea
Margaret Croke Democrat Yea
Mary Beth Canty Democrat Yea
Tracy Katz Muhl Democrat Yea
Bradley Fritts Republican Nay
Daniel J. Ugaste Republican Nay
David Friess Republican Nay
Jed Davis Republican Nay
Martin McLaughlin Republican Nay
Steven Reick Republican Nay
Tom Weber Republican Nay

Official roll call →

Subjects

finance civil-rights
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 HB3352      do?
Amends the Collection Agency Act. Provides that a debtor is not liable for any coerced debt, as defined in the Act, and may assert that they have incurred a coerced debt by providing to a collection agency an oral or written Statement of Coerced Debt, as specified. Sets forth provisions concerning notice of coerced debt to a collection agency; duties of a collection agency upon receiving an incomplete statement of coerced debt; affirmative defenses in collection actions or arbitration; civil liability; protections from perpetrators of coerced debt; restrictions on waivers; and liability of collection agencies for violations of the Act. Provides that, upon receiving the debtor's complete statement of coerced debt and specified supporting information, a collection agency shall review and consider all the information received from the debtor as well as any other information available in the collection agency's file or from the creditor related to the alleged coerced debt within 90 days after receipt of the statement of coerced debt. Requires a collection agency, within 5 days after receipt of the complete statement of coerced debt and supporting information, to cease any pre-judgment attempts to collect the coerced debt from the debtor, including refraining from filing any lawsuit or arbitration to collect the coerced debt, and notify any consumer reporting agency to which the collection agency or creditor furnished adverse information about the debtor that the debtor disputes the adverse information. Establishes additional requirements for a collection agency that reviews a statement of coerced debt. Provides that, within 180 days after the effective date of the Act, the Department of Financial and Professional Regulation may design and publish a model coerced debt and third party written verification form in English and any other language it determines, within its discretion, is the first language of a significant number of consumers in the State. Makes other changes.
Who sponsors HB3352     ?
HB3352      is sponsored by Kelly M. Cassidy (Democrat), Nabeela Syed (Democrat), Dagmara Avelar (Democrat), Joyce Mason (Democrat), Kevin John Olickal (Democrat), Kimberly A. Lightford, Robert Peters, Sue Rezin, Rachel Ventura, Celina Villanueva, Karina Villa, Mary Edly-Allen, Willie Preston, Christopher Belt, Steve Stadelman, Graciela Guzmán, Maura Hirschauer (Democrat), Stephanie A. Kifowit (Democrat), Jennifer Gong-Gershowitz (Democrat), Jehan Gordon-Booth (Democrat), Justin Slaughter (Democrat), Diane Blair-Sherlock (Democrat), Theresa Mah (Democrat), Camille Y. Lilly (Democrat), Nicolle Grasse (Democrat), Rita Mayfield (Democrat), Hoan Huynh (Democrat), Amy Briel (Democrat), Thaddeus Jones (Democrat), and Gregg Johnson (Democrat).
What is the current status of HB3352     ?
This bill has been sent to the executive. Introduced February 07, 2025. It awaits signature.
Where can I track HB3352     ?
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