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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
HB4430

Introduced 1/20/2026, by Rep. Anne Stava

SYNOPSIS AS INTRODUCED:

205 ILCS 5/48.7 new
215 ILCS 5/1515

Amends the Illinois Banking Act. Requires a bank to confirm the
identification of a payee and verify endorsements are proper before
processing a check for which the name of a borrower or other payee is
relied upon for payment, credit, or loan disbursement. Provides that a
bank may satisfy the verification requirements through the specified
commercially reasonable means of identification. Exempts checks processed
solely through automated check clearing processes without manual review,
that are authorized by federal law. Amends the Public Adjusters Article of
the Illinois Insurance Code. Establishes proof of licensure requirements
for licensed public adjusters.
LRB104 16903 BAB 30314 b

A BILL FOR

HB4430
LRB104 16903 BAB 30314 b
1

AN ACT concerning regulation.

2

Be it enacted by the People of the State of Illinois,
3
represented in the General Assembly:

4

Section 5.
The Illinois Banking Act is amended by adding
5
Section 48.7 as follows:

6

(205 ILCS 5/48.7 new)
7

Sec. 48.7.
Verification of payee and check endorsement.

8

(a) Before processing a check for which the name of a
9
borrower or other payee is relied upon for payment, credit, or
10
loan disbursement, a bank shall:
11

(1) confirm that the named payee on the check matches
12

the person or entity presenting or authorizing the check;
13

and
14

(2) verify that all endorsements are properly
15

authorized and consistent with the payee identified on the
16

face of the check.
17

(b) A bank may satisfy the requirements of subsection (a)
18
through commercially reasonable means of identification,
19
including:
20

(1) review of government-issued identification;
21

(2) comparison with account records maintained by the
22

bank; or
23

(3) confirmation through a clearing bank or issuing

HB4430
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LRB104 16903 BAB 30314 b
1

bank.
2

(c) This Section does not apply to checks processed solely
3
through automated check clearing processes, without manual
4
review, that are authorized by federal law.

5

Section 10.
The Illinois Insurance Code is amended by
6
changing Section 1515 as follows:

7

(215 ILCS 5/1515)
8

Sec. 1515.
License required.
9

(a) A person shall not act, advertise, solicit, or hold
10
himself out as a public adjuster or to be in the business of
11
adjusting insurance claims in this State, nor attempt to
12
obtain a contract for public adjusting services, unless the
13
person is licensed as a public adjuster in accordance with
14
this Article.
15

(b) A person licensed as a public adjuster shall not
16
misrepresent to a claimant that he or she is an adjuster
17
representing an insurer in any capacity, including acting as
18
an employee of the insurer or acting as an independent
19
adjuster unless so appointed by an insurer in writing to act on
20
the insurer's behalf for that specific claim or purpose. A
21
licensed public adjuster is prohibited from charging that
22
specific claimant a fee when appointed by the insurer and the
23
appointment is accepted by the public adjuster.
24

(c) A business entity acting as a public adjuster is

HB4430
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LRB104 16903 BAB 30314 b
1
required to obtain a public adjuster license. Application
2
shall be made using the Uniform Business Entity Application.
3
Before approving the application, the Director shall find
4
that:
5

(1) the business entity has paid the required fees to
6

be registered as a business entity in this State; and
7

(2) all officers, shareholders, and persons with
8

ownership interests in the business entity are licensed
9

public adjusters responsible for the business entity's
10

compliance with the insurance laws, rules, and regulations
11

of this State.
12

(c-5) A licensed public adjuster shall, before any
13
substantive negotiations take place under an agreement to
14
represent an insured, provide the insurance carrier with proof
15
of being licensed as a public adjuster in the State of
16
Illinois, pursuant to the requirements of this Article. If
17
proof is not provided, the insurance carrier shall notify the
18
insured and the Department. The public adjuster may not charge
19
or accept any compensation, payment, commission, fee, or other
20
valuable consideration in excess of those allowed for by
21
Section 1570 of this Article for actions required by this
22
subsection.

23

(d) Notwithstanding subsections (a) through
(c-5)

(c)
of
24
this Section, a license as a public adjuster shall not be
25
required of the following:
26

(1) an attorney admitted to practice in this State,

HB4430
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LRB104 16903 BAB 30314 b
1

when acting in his or her professional capacity as an
2

attorney;
3

(2) a person who negotiates or settles claims arising
4

under a life or health insurance policy or an annuity
5

contract;
6

(3) a person employed only for the purpose of
7

obtaining facts surrounding a loss or furnishing technical
8

assistance to a licensed public adjuster, including
9

photographers, estimators, private investigators,
10

engineers, and handwriting experts;
11

(4) a licensed health care provider, or employee of a
12

licensed health care provider, who prepares or files a
13

health claim form on behalf of a patient; or
14

(5) a person who settles subrogation claims between
15

insurers.
16

(e) All contracts entered into that are in violation of
17
this Section are void and invalid.
18
(Source: P.A. 103-216, eff. 1-1-24
.)

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