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HB 4479

Illinois House•In House Committee

Summary

HB 4479, “CONSUMER FRAUD-SOLICIT LOANS”, was introduced in the House on Jan 16, 2026 by Rep. Anne Stava-Murray (D). It was referred to Rules, and last saw action on Mar 27, 2026: Rule 19(a) / Re-referred to Rules Committee.

Record

Text

HB 4479 has no co-sponsors and has not gone to a roll call.

hb4479/introduced.txt
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Full Text of HB4479
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					HB4479 - 104th General Assembly
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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
HB4479
Introduced 1/20/2026, by Rep. Anne Stava
SYNOPSIS AS INTRODUCED:
815 ILCS 505/MMMM new
    Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not knowingly mail or send or cause to be mailed or sent a letter or postcard to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money, if the letter or postcard: (1) contains language that states or implies that any response by a consumer is required; or (2) resembles a check or tax document published and mailed by the Internal Revenue Service or the Department of Revenue. Provides that any letter or postcard mailed or sent to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money shall be sent in a white envelope or postcard and include specified disclosures. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.
				LRB104 17943 SPS 31380 b
A BILL FOR
		HB4479		LRB104 17943 SPS 31380 b
1		    AN ACT concerning business.
2		    Be it enacted by the People of the State of Illinois,
3		represented in the General Assembly:
4		    Section 5. The Consumer Fraud and Deceptive Business
5		Practices Act is amended by adding Section MMMM as follows:
6		    (815 ILCS 505/MMMM new)
7		    Sec. MMMM. Loan solicitation disclosure.
8		    (a) A person shall not knowingly mail or send or cause to 
9		be mailed or sent a letter or postcard to a recipient in this 
10		State for the purpose of soliciting or inducing the recipient 
11		to borrow money, if the letter or postcard:
12		        (1) contains language that states or implies that any 
13		    response by a consumer is required, imminently or 
14		    otherwise, including, but not limited to, the use of the 
15		    terms "urgent", "action required", "materials inspected", 
16		    "time sensitive", or "important account information 
17		    enclosed"; or
18		        (2) resembles a check or tax document published and 
19		    mailed by the Internal Revenue Service or the Department 
20		    of Revenue.
21		    (b) Any letter or postcard mailed or sent to a recipient in 
22		this State for the purpose of soliciting or inducing the 
23		recipient to borrow money shall be sent in a white envelope or 
		HB4479	- 2 -	LRB104 17943 SPS 31380 b
1		postcard and include a disclosure stating "THIS IS A LOAN 
2		SOLICITATION". The letter or postcard shall also include the 
3		name and address of the person or entity who would be the 
4		creditor of the loan. All disclosures and disclaimers 
5		appearing on a letter or postcard shall be conspicuously 
6		located at the top of the letter or postcard and on the 
7		exterior of the letter's envelope, be easily readable in clear 
8		and unambiguous language, and be printed in at least 14-point 
9		bold-face font in a black-outlined box.
10		    (c) A violation of this Section constitutes an unlawful 
11		practice within the meaning of this Act.

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not knowingly mail or send or cause to be mailed or sent a letter or postcard to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money, if the letter or postcard: (1) contains language that states or implies that any response by a consumer is required; or (2) resembles a check or tax document published and mailed by the Internal Revenue Service or the Department of Revenue. Provides that any letter or postcard mailed or sent to a recipient in the State for the purpose of soliciting or inducing the recipient to borrow money shall be sent in a white envelope or postcard and include specified disclosures. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.

Sponsors

Rep. Anne Stava-Murray (D) sponsors HB 4479 alone.

Committees

HB 4479 went before 2 committees: Rules and Financial Institutions and Licensing.

Rules
Rules
Referred to · Jan 20, 2026 · 5,290 Bills
Financial Institutions and Licensing
Financial Institutions and Licensing
Referred to · Mar 18, 2026

History

HB 4479 has taken 5 actions since Jan 16, 2026, the latest on Mar 27, 2026.

ChamberAction
Mar 27, 2026
House
Rule 19(a) / Re-referred to Rules Committee
Mar 18, 2026
House
Assigned to Financial Institutions and Licensing Committee
Jan 20, 2026
House
First Reading
Jan 20, 2026
House
Referred to Rules Committee
Jan 16, 2026
House
Filed with the Clerk by Rep. Anne Stava

Votes

HB 4479 has not gone to a roll call.

Source: ilga.gov · legiscan.com