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| | 102ND GENERAL ASSEMBLY
State of Illinois
2021 and 2022 HB1811 Introduced 2/17/2021, by Rep. Jaime M. Andrade, Jr. SYNOPSIS AS INTRODUCED: |
| 815 ILCS 505/2WWW new | | 820 ILCS 112/5 | | 820 ILCS 112/13 new | |
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Amends the Equal Pay Act and the Consumer Fraud and Deceptive Business Practices Act. Provides that when using predictive data analytics in determining creditworthiness or in making hiring decisions, the use of predictive data analytics may not include information that correlates with the race or zip code of the applicant for credit or employment. Provides that a person or entity that relies either partially or fully on predictive data analytics to determine a consumer's creditworthiness may not allow information about the consumer's preference that correlates with the consumer's race or zip code to influence any conclusion regarding the consumer's creditworthiness. Provides that a person or entity that violates the provision commits an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act.
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| | A BILL FOR |
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| | HB1811 | | LRB102 03966 KTG 13982 b |
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1 | | AN ACT concerning business.
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2 | | Be it enacted by the People of the State of Illinois,
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3 | | represented in the General Assembly:
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4 | | Section 5. The Consumer Fraud and Deceptive Business |
5 | | Practices Act is amended by adding Section 2WWW as follows: |
6 | | (815 ILCS 505/2WWW new) |
7 | | Sec. 2WWW. Credit worthiness; use of predictive analytics. |
8 | | (a) In this Section, "predictive data analytics" means the |
9 | | use of automated machine learning algorithms for the purpose |
10 | | of statistically analyzing a person's behavior. |
11 | | (b) A person or entity that relies either partially or |
12 | | fully on predictive data analytics to determine a consumer's |
13 | | creditworthiness may not allow information about the |
14 | | consumer's preference that correlates with the consumer's race |
15 | | or zip code to influence any conclusion regarding the |
16 | | consumer's creditworthiness. |
17 | | (c) A person or entity that uses predictive data analytics |
18 | | to determine the creditworthiness of more than 50 consumers in |
19 | | a calendar year who are Illinois residents shall, within 90 |
20 | | days after the effective date of this amendatory Act of the |
21 | | 102nd General Assembly, devise procedures to ensure that it |
22 | | does not inadvertently consider information that correlates |
23 | | with race or zip code when determining a consumer's |