CONSUMER FRAUD-SOLICIT LOANS

Illinois General Assembly - Full Text of HB4479

Select Language

×

The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein.

Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet.

The English language version is always the official and authoritative version of this website.

NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window.

Choose Language

English

Afrikaans

Albanian

Arabic

Armenian

Azerbaijani

Basque

Bengali

Bosnian

Catalan

Croatian

Czech

Danish

Dutch

Esperanto

Estonian

Filipino

Finnish

French

Galician

Georgian

German

Greek

Gujarati

Haitian Creole

Hausa

Hawaiian

Hebrew

Hindi

Hungarian

Icelandic

Indonesian

Interlingua

Interlingue

Inuktitut

Irish

Italian

Japanese

Javanese

Kannada

Khmer

Korean

Latin

Latvian

Lithuanian

Luxembourgish

Macedonian

Malagasy

Malayalam

Maltese

Maori

Marathi

Myanmar

Nepali

Norwegian

Odia

Pashto

Punjabi

Romanian

Russian

Samoan

Sango

Sanskrit

Sardinian

Sindhi

Sinhala

Slovak

Slovenian

Somali

Southern Sotho

Spanish

Sundanese

Swahili

Swedish

Tamil

Telugu

Thai

Tigrinya

Tonga

Turkish

Ukrainian

Urdu

Vietnamese

Welsh

Xhosa

Yiddish

Yoruba

Zulu

Powered by
Translate

Close

Illinois General Assembly

Top Navigation Bar

Translate

Learn

Select General Assembly

Search the 104th General Assembly

Enter search terms for legislation, members, committees, or schedules.

ILGA.GOV

LEGISLATION & LAWS

Bills & Resolutions

Public Acts

Illinois Compiled Statutes

Illinois Constitution

Search Legislation

Glossary

Guide

Reports & Inquiry

Legislative Reports

Special Reports

FTP Site

Legislator Lookup

Capitol Complex Phone Numbers

Rules & Regulations

Illinois Register

Administrative Rules

Senate

Members

Schedules

Committees

Request for Remote Testimony

Journals

Transcripts

Rules

Audio/Video

FOIA Information

Senate Employment Opportunities

Media Guidelines

House

Members

Schedules

Committees

Submit testimony for House Committees

Journals

Transcripts

Rules

Audio/Video

FOIA Information

House Employment Opportunities

Log In

Mobile Top Bar

Search the 104th General Assembly

Enter keywords to search the Illinois General Assembly website.

Full Text of HB4479

Home

Legislation

Full Text

HB4479 - 104th General Assembly

Bill Status

Full Text

Votes

Witness Slips

Select Menu

Bill Status

Full Text

Votes

Witness Slips

Printer Friendly Version

Introduced

Printer Friendly Version

Introduced

Open PDF

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.

Footer

Disclaimer

This site is maintained for the Illinois General Assembly by the
Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706.

Contact ILGA Webmaster

ILGA.gov uses cookies to ensure you get the best experience on our website. By continuing to browse ILGA.gov you consent to our use of cookies.
Read About Cookies

ILGA.GOV

2026 ILGA.gov | All Rights Reserved |
ADA

|
Disclaimers
|
Learn

This site is maintained for the Illinois General Assembly by the
Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706.
Contact ILGA Webmaster

ILGA.gov uses cookies to ensure you get the best experience on our website. By continuing to browse ILGA.gov you consent to our use of cookies.
Read About Cookies

ILGA.GOV

2026 ILGA.gov | All Rights Reserved |
ADA

|
Disclaimers
|
Learn