Illinois 104th General Assembly Status: To Executive Bipartisan · 3 R · 1 D cosponsors

SB2951      — MORTGAGE FORECLOSURE TIME

Last action — Public Act . . . . . . . . . 104-0842

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

This bill has been sent to the executive. Introduced February 03, 2026. 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 88% · high confidence

  • To Executive

    Current position in the legislative process.

  • 5 sponsors

    1 primary, 4 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (3 R · 1 D) — cross-party backing.

  • Cleared a recorded vote

    Passed 6 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

Sets a 10-year limit for starting mortgage foreclosure actions.

The bill establishes a 10-year timeframe to initiate legal actions related to mortgages. It also changes rules around selling or mortgaging real estate if secured creditors can't be fully paid.

What this means for you
  • Families: This means families facing foreclosure may have more time to respond to actions related to their mortgage debt.

Summary

Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured creditors' approval to accept partial satisfaction; and if the secured creditors cannot be satisfied in full, a sale of the property is not considered necessary for the proper administration of the estate. Effective immediately.

Bill Text

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

Read SB2951 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0842

  2. Effective Date August 21, 2026

  3. Governor Approved

  4. Sent to the Governor

  5. Added as Co-Sponsor Sen. Chris Balkema

  6. Passed Both Houses

  7. Senate Concurs

  8. House Committee Amendment No. 1 Senate Concurs 058-000-000

  9. House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000

  10. House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary

  11. House Committee Amendment No. 1 Motion to Concur Referred to Assignments

  12. House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. Martwick

  13. Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026

  14. Secretary's Desk - Concurrence House Amendment(s) 1

  15. Third Reading - Short Debate - Passed 108-000-000

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

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

  18. Second Reading - Short Debate

  19. Placed on Calendar 2nd Reading - Short Debate

  20. Do Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000

  21. House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote

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

  23. House Committee Amendment No. 1 Referred to Rules Committee

  24. House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech

  25. Committee Deadline Extended-Rule 9(b) May 15, 2026

  26. Assigned to Judiciary - Civil Committee

  27. Referred to Rules Committee

  28. First Reading

  29. Chief House Sponsor Rep. Daniel Didech

  30. Arrived in House

  31. Added as Chief Co-Sponsor Sen. Jason Plummer

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

  33. Added as Co-Sponsor Sen. Andrew S. Chesney

  34. Placed on Calendar Order of 3rd Reading March 24, 2026

  35. Second Reading

  36. Placed on Calendar Order of 2nd Reading March 12, 2026

  37. Do Pass Judiciary; 009-000-000

  38. Postponed - Judiciary

  39. Postponed - Judiciary

  40. Assigned to Judiciary

  41. Referred to Assignments

  42. First Reading

  43. Filed with Secretary by Sen. Robert F. Martwick

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 4 co-sponsors · 178 not signed on

Sponsors (1)

Co-sponsors (4)

Not signed on (178)

178 members have not signed on to this bill.

Show all 178 →

"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

Concurrence

Passed 58 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 18001
Democrat 34000
Unaffiliated 5000
Total 57001
% of votes cast 98%0%0%2%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III 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
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio 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
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Yea
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Not Voting
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 →

Judiciary

Passed 6 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 2001
Democrat 4002
Total 6003
% of votes cast 67%0%0%33%
How each member voted (9)
Member Party Vote
Elgie R. Sims, Jr. Democrat Not Voting
Laura Fine Democrat Yea
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Not Voting
Darby A. Hills Republican Yea
Jil Tracy Republican Yea
John F. Curran Republican Not Voting

Official roll call →

Third Reading

Passed 108 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 63007
Republican 36002
Unaffiliated 8001
Total 1070010
% of votes cast 91%0%0%9%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Not Voting
Jones — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Yea
Yang Rohr — 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 Yea
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Not Voting
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Yea
Eva-Dina Delgado Democrat Not Voting
Fred Crespo Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Not Voting
Jaime M. Andrade, Jr. Democrat Not Voting
Jawaharial Williams Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Not Voting
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
La Shawn K. Ford Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Not Voting
Marcus C. Evans, Jr. Democrat Yea
Margaret A. DeLaRosa Democrat Yea
Margaret Croke Democrat Not Voting
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 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 Yea
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Yea
Suzanne M. Ness Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Yea
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Yea
Brad Halbrook Republican Yea
Brad Stephens Republican Yea
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Yea
Christopher "C.D." Davidsmeyer Republican Yea
Dan Swanson Republican Yea
Daniel J. Ugaste Republican Yea
Dave Severin Republican Yea
David Friess Republican Yea
Dennis Tipsword Republican Yea
Jackie Haas Republican Yea
Jason R. Bunting Republican Yea
Jed Davis Republican Yea
Jeff Keicher Republican Yea
Jennifer Sanalitro Republican Yea
Joe C. Sosnowski Republican Yea
John M. Cabello Republican Yea
Kevin Schmidt Republican Yea
Kyle Moore Republican Yea
Martin McLaughlin Republican Yea
Michael J. Coffey, Jr. Republican Yea
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Yea
Patrick Windhorst Republican Yea
Regan Deering Republican Yea
Ryan Spain Republican Not Voting
Steven Reick Republican Not Voting
Tom Weber Republican Yea
Tony M. McCombie Republican Yea
Travis Weaver Republican Yea
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Yea

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
Bob Morgan Democrat Yea
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Eva-Dina Delgado Democrat Yea
Jay Hoffman Democrat Yea
Jennifer Gong-Gershowitz Democrat Yea
Kevin John Olickal Democrat Yea
Lilian Jiménez 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 →

Third Reading

Passed 56 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 19000
Democrat 31003
Unaffiliated 5000
Total 55003
% of votes cast 95%0%0%5%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
Bill Cunningham Democrat Not Voting
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III 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
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Not Voting
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 Not Voting
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Yea
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 →

Subjects

finance housing
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 SB2951      do?
Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured creditors' approval to accept partial satisfaction; and if the secured creditors cannot be satisfied in full, a sale of the property is not considered necessary for the proper administration of the estate. Effective immediately.
Who sponsors SB2951     ?
SB2951      is sponsored by Daniel Didech, Robert F. Martwick (Democrat), Jason Plummer (Republican), Andrew S. Chesney (Republican), and Chris Balkema (Republican).
What is the current status of SB2951     ?
This bill has been sent to the executive. Introduced February 03, 2026. It awaits signature.
Where can I track SB2951     ?
Track SB2951      free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on SB2951     

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of SB2951     

Last checked for changes about 2 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →