Illinois 104th General Assembly Status: Introduced 3 D cosponsors

HB4814      — DEBT MANAGEMENT LICENSE & FEES

Last action — Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

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

This bill has been introduced in the House. Introduced February 03, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low 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

Advancing 34% · moderate confidence

  • Introduced

    Current position in the legislative process.

  • 4 sponsors

    1 primary, 3 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (3 D).

  • Cleared a recorded vote

    Passed 3 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.

In plain language

This bill modifies licensing and fee requirements for debt management services.

The bill increases the bond amount for debt management service licenses from $25,000 to $50,000. It also allows providers to charge additional fees based on the number of creditors in a debt management plan.

What this means for you
  • Consumers: This change may affect the fees you pay for debt management services based on the number of creditors you have.

Summary

Amends the Debt Management Service Act. Provides that every applicant for a license to engage in the debt management service business in the State shall submit to the Secretary, at the time of the application for a license, a bond to be approved by the Secretary in which the applicant shall be the obligor, in the sum of $50,000 (rather than $25,000) or the specified amount. In provisions concerning fees or penalties that may be charged by a debt management service provider, permits the charging of additional fees at the completion of the initial counseling services, which shall not exceed: (A) 15% of the amount disbursed monthly to creditors or $75, whichever is less, if there are fewer than 6 creditors enrolled in the debt management plan; or (B) 15% of the amount disbursed monthly to creditors or $100, whichever is less, if there are 6 or more creditors enrolled in the debt management plan.

Bill Text

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

Read HB4814 on the official Illinois source →

Action History

  1. Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments

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

  3. Rule 2-10 Third Reading Deadline Established As May 31, 2026

  4. Senate Floor Amendment No. 1 Assignments Refers to Executive

  5. Placed on Calendar Order of 3rd Reading May 25, 2026

  6. Second Reading

  7. Senate Floor Amendment No. 1 Referred to Assignments

  8. Senate Floor Amendment No. 1 Filed with Secretary by Sen. Mark L. Walker

  9. Alternate Chief Sponsor Changed to Sen. Don Harmon

  10. Placed on Calendar Order of 2nd Reading May 21, 2026

  11. Approved for Consideration Assignments

  12. Referred to Assignments

  13. First Reading

  14. Chief Senate Sponsor Sen. Mark L. Walker

  15. Placed on Calendar Order of First Reading

  16. Arrive in Senate

  17. Third Reading - Short Debate - Passed 074-034-000

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

  19. House Floor Amendment No. 1 Adopted

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

  21. Second Reading - Short Debate

  22. Added Chief Co-Sponsor Rep. Jawaharial Williams

  23. House Floor Amendment No. 1 Recommends Be Adopted Financial Institutions and Licensing Committee; 010-000-000

  24. Added Chief Co-Sponsor Rep. Justin Cochran

  25. House Floor Amendment No. 1 Rules Refers to Financial Institutions and Licensing Committee

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

  27. House Floor Amendment No. 1 Filed with Clerk by Rep. Daniel Didech

  28. Placed on Calendar 2nd Reading - Short Debate

  29. Do Pass / Short Debate Financial Institutions and Licensing Committee; 012-000-000

  30. Assigned to Financial Institutions and Licensing Committee

  31. Referred to Rules Committee

  32. First Reading

  33. Filed with the Clerk by Rep. Daniel Didech

Sponsors

Sponsorship breakdown

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1 sponsors · 3 co-sponsors · 179 not signed on · 33 voted No

Sponsors (1)

Co-sponsors (3)

Not signed on (179)

179 members have not signed on to this bill.

Show all 179 →

"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 74 Yea · 34 Nay
Party YeaNayPresentNot Voting
Democrat 69006
Republican 23304
Unaffiliated 2100
Total 7334010
% of votes cast 62%29%0%9%
How each member voted (117)
Member Party Vote
Jacobs — Nay
Johnson — 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
Anne Stava 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 Not Voting
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 Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Not Voting
Jaime M. Andrade, Jr. Democrat Not Voting
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 Cochran 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 A. DeLaRosa Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter 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 Not Voting
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 Not Voting
Robyn Gabel Democrat Yea
Sharon Chung Democrat Yea
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Yea
Suzanne M. Ness 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 Not Voting
Blaine Wilhour Republican Nay
Brad Halbrook Republican Nay
Brad Stephens Republican Nay
Bradley Fritts Republican Nay
Brandun Schweizer Republican Nay
Charles Meier Republican Nay
Chris Miller Republican Nay
Christopher "C.D." Davidsmeyer Republican Nay
Dan Swanson Republican Nay
Daniel J. Ugaste Republican Yea
Dave Severin Republican Nay
David Friess Republican Nay
Dennis Tipsword Republican Not Voting
Jackie Haas Republican Nay
Jason R. Bunting Republican Nay
Jed Davis Republican Nay
Jeff Keicher Republican Not Voting
Jennifer Sanalitro Republican Nay
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 Nay
Patrick Sheehan Republican Nay
Patrick Windhorst Republican Nay
Regan Deering Republican Nay
Ryan Spain Republican Nay
Steven Reick Republican Nay
Tom Weber Republican Nay
Tony M. McCombie Republican Nay
Travis Weaver Republican Nay
Wayne A. Rosenthal Republican Not Voting
William E Hauter Republican Nay

Official roll call →

Financial Institutions & Licensing

Passed 10 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Democrat 7001
Republican 3001
Total 10002
% of votes cast 83%0%0%17%
How each member voted (12)
Member Party Vote
Eva-Dina Delgado Democrat Yea
Jawaharial Williams Democrat Not Voting
Jennifer Gong-Gershowitz Democrat Yea
Justin Cochran Democrat Yea
Margaret Croke Democrat Yea
Maurice A. West, II Democrat Yea
Natalie A. Manley Democrat Yea
Rita Mayfield Democrat Yea
Christopher "C.D." Davidsmeyer Republican Not Voting
Daniel J. Ugaste Republican Yea
Michael J. Coffey, Jr. Republican Yea
Ryan Spain Republican Yea

Official roll call →

Financial Institutions & Licensing

Passed 12 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 8000
Republican 4000
Total 12000
% of votes cast 100%0%0%0%
How each member voted (12)
Member Party Vote
Daniel Didech Democrat Yea
Eva-Dina Delgado Democrat Yea
Jawaharial Williams Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Margaret Croke Democrat Yea
Michael Crawford Democrat Yea
Natalie A. Manley Democrat Yea
Rita Mayfield Democrat Yea
Christopher "C.D." Davidsmeyer Republican Yea
Daniel J. Ugaste Republican Yea
Michael J. Coffey, Jr. Republican Yea
Ryan Spain Republican Yea

Official roll call →

Subjects

finance
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 HB4814      do?
Amends the Debt Management Service Act. Provides that every applicant for a license to engage in the debt management service business in the State shall submit to the Secretary, at the time of the application for a license, a bond to be approved by the Secretary in which the applicant shall be the obligor, in the sum of $50,000 (rather than $25,000) or the specified amount. In provisions concerning fees or penalties that may be charged by a debt management service provider, permits the charging of additional fees at the completion of the initial counseling services, which shall not exceed: (A) 15% of the amount disbursed monthly to creditors or $75, whichever is less, if there are fewer than 6 creditors enrolled in the debt management plan; or (B) 15% of the amount disbursed monthly to creditors or $100, whichever is less, if there are 6 or more creditors enrolled in the debt management plan.
Who sponsors HB4814     ?
HB4814      is sponsored by Don Harmon, Daniel Didech (Democrat), Justin Cochran (Democrat), and Jawaharial Williams (Democrat).
What is the current status of HB4814     ?
This bill has been introduced in the House. Introduced February 03, 2026. It must pass committee before a floor vote.
Where can I track HB4814     ?
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