92nd General Assembly
Status of HB2419
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OSMOND-YARBROUGH-MAUTINO-MATHIAS-KENNER, O'BRIEN, 
   MITCHELL,BILL AND SOMMER.

(MADIGAN,R-NOLAND-WALSH,L-OBAMA-HENDON)

   215 ILCS 5/155.37 new                                                       

        Amends  the  Illinois  Insurance  Code.   Provides  that  if   an      
   insurance  company makes an adverse underwriting decision, the company      
   must disclose the basis for the decision to the  affected  individual.      
   Requires  disclosure  of information related to credit worthiness when      
   the adverse underwriting decision is based upon  a  report  of  credit      
   worthiness.  Effective immediately.                                         
        HOUSE AMENDMENT NO. 1.                                                 
        Replaces the substance of the bill.  Provides that an insurer may      
   base underwriting decisions on credit worthiness.  Provides  that  the      
   decisions  may  not  be made in a manner that constitutes an unfair or      
   deceptive practice.                                                         
        HOUSE AMENDMENT NO. 2.                                                 
          Adds reference to:                                                   
          215 ILCS 5/1011                 from Ch. 73, par. 1065.711           
        Replaces  everything  after  the  enacting  clause.  Amends   the      
   Illinois  Insurance  Code.  Prohibits  the  use  of credit criteria or      
   scoring as the sole determinant in making  an  underwriting  decision.      
   Prohibits   the   use   of   credit   information   in  an  unlawfully      
   discriminatory manner. Requires insurers to  disclose  the  source  of      
   credit  information  that  forms  the basis of an adverse underwriting      
   decision. Effective immediately.                                            
        SENATE AMENDMENT NO. 1.                                                
          Deletes reference to:                                                
          215 ILCS 5/1011                                                      
        Replaces everything after  the  enacting  clause.  Provides  that      
   insurers  may  not  refuse  to  issue  or  renew  certain  policies of      
   automobile  insurance,  fire  and  extended  coverage  insurance,  and      
   personal lines insurance  solely  on  the  basis  of  credit  reports.      
   Provides  that  if  a  credit report is used in conjunction with other      
   criteria in making an underwriting decision, the credit report may not      
   be based upon the race, income, gender, religion, or  national  origin      
   of the applicant, and if the decision is a denial, the identity of the      
   credit  reporting agency must be disclosed to the applicant. Effective      
   January 1, 2002.                                                            
        SENATE AMENDMENT NO. 2.                                                
        With respect to a provision that an offer by an insurance company      
   to write a policy through an affiliate does not constitute  a  refusal      
   by  the  insurance company, removes a restriction on offering a policy      
   through an affiliate that specializes in substandard risks.                 
        SENATE AMENDMENT NO. 3.                                                
        Removes the requirement that an insurer inform  an  applicant  or      
   insured  of  the  specific  reasons  for  a denial and identity of the      
   credit reporting agency when the denial is based upon a credit report.      
   Requires the insurer only to inform the applicant or  insured  of  the      
   denial. Effective October 1, 2001.                                          
   FEB-23-2001  H  FILED WITH CLERK                                               
   FEB-23-2001  H  ADDED AS A JOINT SPONSOR                 YARBROUGH             
   FEB-23-2001  H  ADDED AS A JOINT SPONSOR                 MAUTINO               
   FEB-23-2001  H  FIRST READING                                                  
   FEB-23-2001  H  REFERRED TO HOUSE RULES COMMITTEE        RULES                 
   FEB-27-2001  H       ASSIGNED TO COMMITTEE               INSURANCE             
   FEB-27-2001  H  ADDED AS A JOINT SPONSOR                 MATHIAS               
   MAR-14-2001  H                             AMENDMENT NO. 01-INSURANCE     H    
   MAR-14-2001  H                                   ADOPTED                       
   MAR-14-2001  H  DO PASS AMENDED/SHORT DEBATE             012-000-000   HINS    
   MAR-14-2001  H  PLACED CALENDAR 2ND READING-SHORT DEBATE                       
   MAR-28-2001  H  ADDED AS A CO-SPONSOR                    O'BRIEN               
   APR-02-2001  H                             AMENDMENT NO. 02-OSMOND             
   APR-02-2001  H                     AMENDMENT REFERRED TO HRUL                  
   APR-02-2001  H  CALENDAR ORDER 2ND READING-SHORT DEBATE                        
   APR-02-2001  H  ADDED AS A JOINT SPONSOR                 KENNER                
   APR-02-2001  H  ADDED AS A CO-SPONSOR                    PARKE                 
   APR-03-2001  H                             AMENDMENT NO. 02-OSMOND             
   APR-03-2001  H                           RULES REFERS TO HINS                  
   APR-03-2001  H  CALENDAR ORDER 2ND READING-SHORT DEBATE                        
   APR-04-2001  H                             AMENDMENT NO. 02-OSMOND             
   APR-04-2001  H  RECOMMENDS BE ADOPTED                    HINS/008-000-000      
   APR-04-2001  H  SECOND READING-SHORT DEBATE                                    
   APR-04-2001  H                             AMENDMENT NO. 02-OSMOND             
   APR-04-2001  H                                   ADOPTED                       
   APR-04-2001  H  PLCD CAL ORDER 3RD READING-SHORT DEBATE                        
   APR-05-2001  H  THIRD READING/SHORT DEBATE/PASSED        116-000-000           
   APR-05-2001  S  ARRIVE IN SENATE                                               
   APR-05-2001  S  PLACED CALENDAR ORDER OF FIRST READING   01-04-06              
   APR-05-2001  H  ADDED AS A CO-SPONSOR                    MITCHELL,BILL         
   APR-05-2001  H  ADDED AS A CO-SPONSOR                    SOMMER                
   APR-06-2001  S  CHIEF SPONSOR                            BOMKE                 
   APR-10-2001  S  FIRST READING                                                  
   APR-10-2001  S  REFERRED TO SENATE RULES COMMITTEE       RULES                 
   APR-18-2001  S  ADDED AS A CHIEF CO-SPONSOR              NOLAND                
   APR-25-2001  S       ASSIGNED TO COMMITTEE               INS & PENS.           
   APR-26-2001  S  ADDED AS A CHIEF CO-SPONSOR              WALSH,L               
   APR-26-2001  S  ADDED AS A CO-SPONSOR                    BOWLES                
   APR-30-2001  S  ADDED AS A CO-SPONSOR                    MADIGAN,L             
   APR-30-2001  S  ADDED AS A CO-SPONSOR                    O'DANIEL              
   MAY-01-2001  S                                 POSTPONED                       
   MAY-01-2001  S                   COMMITTEE               INS & PENS.           
   MAY-01-2001  S  ADDED AS A CHIEF CO-SPONSOR              OBAMA                 
   MAY-01-2001  S  SPONSOR REMOVED                          BOMKE                 
   MAY-01-2001  S  ALTERNATE CHIEF SPONSOR CHANGED TO       MADIGAN,R             
   MAY-01-2001  S  ADDED AS A CHIEF CO-SPONSOR              HENDON                
   MAY-08-2001  S                             AMENDMENT NO. 01-INS & PENS.   S    
   MAY-08-2001  S                                   ADOPTED                       
   MAY-08-2001  S       DO PASS AS AMENDED                  010-000-000   SINS    
   MAY-08-2001  S  PLACED ON CALENDAR ORDER OF 2ND READING  01-05-09              
   MAY-15-2001  S  FILED WITH SECRETARY                                           
   MAY-15-2001  S                             AMENDMENT NO. 02-MADIGAN,R          
   MAY-15-2001  S                     AMENDMENT REFERRED TO SRUL                  
   MAY-15-2001  S  SECOND READING                                                 
   MAY-15-2001  S  PLACED ON CALENDAR ORDER OF 3RD READING  01-05-16              
   MAY-15-2001  S                             AMENDMENT NO. 02-MADIGAN,R          
   MAY-15-2001  S                           RULES REFERS TO SINS                  
   MAY-16-2001  S                             AMENDMENT NO. 02-MADIGAN,R          
   MAY-16-2001  S             BE APPROVED FOR CONSIDERATION SINS/008-000-000      
   MAY-16-2001  S  RECALLED TO SECOND READING                                     
   MAY-16-2001  S                             AMENDMENT NO. 02-MADIGAN,R          
   MAY-16-2001  S                                   ADOPTED                       
   MAY-16-2001  S  PLACED ON CALENDAR ORDER OF 3RD READING  01-05-17              
   MAY-16-2001  S  FILED WITH SECRETARY                                           
   MAY-16-2001  S                             AMENDMENT NO. 03-MADIGAN,R          
   MAY-16-2001  S                     AMENDMENT REFERRED TO SRUL                  
   MAY-17-2001  S                             AMENDMENT NO. 03-MADIGAN,R          
   MAY-17-2001  S             BE APPROVED FOR CONSIDERATION SRUL                  
   MAY-17-2001  S  RECALLED TO SECOND READING                                     
   MAY-17-2001  S                             AMENDMENT NO. 03-MADIGAN,R          
   MAY-17-2001  S                                   ADOPTED                       
   MAY-17-2001  S  PLACED ON CALENDAR ORDER OF 3RD READING  01-05-18              
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    DELEO                 
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    WELCH                 
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    DEMUZIO               
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    TROTTER               
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    JACOBS                
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    DEL VALLE             
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    SHAW                  
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    LINK                  
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    RONEN                 
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    MADIGAN,L             
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    SILVERSTEIN           
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    CLAYBORNE             
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    VIVERITO              
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    SHADID                
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    LIGHTFORD             
   MAY-18-2001  S  ADDED AS A CO-SPONSOR                    HALVORSON             
   MAY-18-2001  S  THIRD READING - PASSED                   057-000-000           
   MAY-18-2001  H  ARRIVE IN HOUSE                                                
   MAY-18-2001  H  PLACED ON CALENDAR ORDER OF CONCURRENCE  01,02,03              
   MAY-21-2001  H  MOTION FILED NON-CONCUR                  #1/01,02,03/OSMOND    
   MAY-21-2001  H  CALENDAR ORDER OF CONCURRENCE            01,02,03              
   MAY-22-2001  H  MOTION FILED CONCUR                      #2/01,02,03/OSMOND    
   MAY-22-2001  H                        MOTION REFERRED TO HRUL                  
   MAY-22-2001  H  CALENDAR ORDER OF CONCURRENCE            01,02,03              
   MAY-29-2001  H  MOTION TO CONCUR REFERRED TO             HINS                  
   MAY-29-2001  H  CALENDAR ORDER OF CONCURRENCE            01,02,03              
   MAY-30-2001  H  MOTION                                   TO CONCUR SA 1,2,3    
   MAY-30-2001  H  RECOMMENDS BE ADOPTED                    HINS/009-000-000      
   MAY-30-2001  H  HSE CONCURS IN SEN AMENDMENTS (NO.)      1,2,3/117-000-000     
   MAY-30-2001  H  PASSED BOTH HOUSES                                             
   JUN-28-2001  H  SENT TO THE GOVERNOR                                           
   AUG-23-2001  H  GOVERNOR APPROVED                                              
   AUG-23-2001  H                            EFFECTIVE DATE 01-10-01              
   AUG-23-2001  H  PUBLIC ACT.............................. 92-0480               

   END OF INQUIRY 



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