Bill Text: IL SB2232 | 2025-2026 | 104th General Assembly | Introduced

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Bill Title: Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that no consumer reporting agency may furnish a consumer report or contact information that is not requested by the consumer if the report or information is being procured based in whole or in part on the presence of an inquiry made in connection with a residential mortgage loan as defined by the Truth in Lending Act or automobile loan as covered under the Truth in Lending Act. Provides that a violation of the provision constitutes an unlawful practice within the meaning of the Act.

Spectrum: Partisan Bill (Republican 1-0)

Status: (Introduced) 2025-02-07 - Referred to Assignments [SB2232 Detail]

Download: Illinois-2025-SB2232-Introduced.html

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104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB2232 Introduced 2/7/2025, by Sen. Sue Rezin SYNOPSIS AS INTRODUCED:
815 ILCS 505/2HHHH new
Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that no consumer reporting agency may furnish a consumer report or contact information that is not requested by the consumer if the report or information is being procured based in whole or in part on the presence of an inquiry made in connection with a residential mortgage loan as defined by the Truth in Lending Act or automobile loan as covered under the Truth in Lending Act. Provides that a violation of the provision constitutes an unlawful practice within the meaning of the Act.
LRB104 05589 SPS 15619 b
A BILL FOR
SB2232 LRB104 05589 SPS 15619 b
AN ACT concerning business.
Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
Section 1. Legislative intent. It is the intent of the
General Assembly for this amendatory Act of the 104th General
Assembly to be enforceable if federal law, including, but not
limited to, the Fair Credit Reporting Act, does not contradict
or preempt it.
Section 5. The Consumer Fraud and Deceptive Business
Practices Act is amended by adding Section 2HHHH as follows:
(815 ILCS 505/2HHHH new)
Sec. 2HHHH. Consumer report inquiries for mortgage or
automobile loans. No consumer reporting agency may furnish a
consumer report or contact information that is not requested
by the consumer if the report or information is being procured
based in whole or in part on the presence of an inquiry made in
connection with a residential mortgage loan as defined by
Section 103 of the Truth in Lending Act (15 U.S.C. 1602) or an
automobile loan as covered under the Truth in Lending Act. A
violation of this Section constitutes an unlawful practice
within the meaning of this Act.