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SB2951 • 2026
MORTGAGE FORECLOSURE TIME
This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
MORTGAGE FORECLOSURE TIME
These notes stay tied to the official amendment files and metadata from the legislature.
Plain English: Illinois General Assembly - Full Text of SB2951 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Sent to the Governor
House Committee Amendment No. 1 Senate Concurs 058-000-000
Senate Concurs
Passed Both Houses
Added as Co-Sponsor Sen. Chris Balkema
House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary ; 006-000-000
House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. Martwick
House Committee Amendment No. 1 Motion to Concur Referred to Assignments
House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary
Secretary's Desk - Concurrence House Amendment(s) 1
Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026
Third Reading - Short Debate - Passed 108-000-000
Placed on Calendar Order of 3rd Reading - Short Debate
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee ; by Voice Vote
Do Pass as Amended / Short Debate Judiciary - Civil Committee ; 020-000-000
Placed on Calendar 2nd Reading - Short Debate
House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee
House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech
House Committee Amendment No. 1 Referred to Rules Committee
Committee Deadline Extended-Rule 9(b) May 15, 2026
Assigned to Judiciary - Civil Committee
Arrived in House
Chief House Sponsor Rep. Daniel Didech
First Reading
Referred to Rules Committee
Third Reading - Passed; 056-000-000
Added as Chief Co-Sponsor Sen. Jason Plummer
Added as Co-Sponsor Sen. Andrew S. Chesney
Second Reading
Placed on Calendar Order of 3rd Reading March 24, 2026
Do Pass Judiciary ; 009-000-000
Placed on Calendar Order of 2nd Reading March 12, 2026
Postponed - Judiciary
Postponed - Judiciary
Filed with Secretary by Sen. Robert F. Martwick
First Reading
Referred to Assignments
Assigned to Judiciary
MORTGAGE FORECLOSURE TIME
Illinois General Assembly - Full Text of SB2951 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. 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Full Text of SB2951 Home Legislation Full Text SB2951 - 104th General Assembly Bill Status Full Text Votes Witness Slips Select Menu Bill Status Full Text Votes Witness Slips Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Open PDF SB2951 Enrolled LRB104 20377 JRC 33834 b 1 AN ACT concerning civil law. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 5. The Code of Civil Procedure is amended by 5 changing Sections 13-115 and 13-206 as follows: 6 (735 ILCS 5/13-115) (from Ch. 110, par. 13-115) 7 Sec. 13-115. Foreclosure of mortgage. No person shall 8 commence an action or make a sale to foreclose any mortgage or 9 deed of trust in the nature of a mortgage, unless within 10 10 years after the right of action or right to make such sale 11 accrues. Any indebtedness of any kind that is secured by a 12 mortgage or deed of trust in the nature of a mortgage shall 13 also have a 10-year period to commence an action. 14 (Source: P.A. 82-280.) 15 (735 ILCS 5/13-206) (from Ch. 110, par. 13-206) 16 Sec. 13-206. Ten year limitation. Except as provided in 17 Section 2-725 of the "Uniform Commercial Code", actions on 18 bonds, promissory notes, bills of exchange, written leases, 19 written contracts, any indebtedness of any kind that is 20 secured by a mortgage, or other evidences of indebtedness in 21 writing and actions brought under the Illinois Wage Payment 22 and Collection Act shall be commenced within 10 years next SB2951 Enrolled - 2 - LRB104 20377 JRC 33834 b 1 after the cause of action accrued; but if any payment or new 2 promise to pay has been made, in writing, on any bond, note, 3 bill, lease, contract, or other written evidence of 4 indebtedness, within or after the period of 10 years, then an 5 action may be commenced thereon at any time within 10 years 6 after the time of such payment or promise to pay. For purposes 7 of this Section, with regard to promissory notes dated on or 8 after the effective date of this amendatory Act of 1997, a 9 cause of action on a promissory note payable at a definite date 10 accrues on the due date or date stated in the promissory note 11 or the date upon which the promissory note is accelerated. 12 With respect to a demand promissory note dated on or after the 13 effective date of this amendatory Act of 1997, if a demand for 14 payment is made to the maker of the demand promissory note, an 15 action to enforce the obligation of a party to pay the demand 16 promissory note must be commenced within 10 years after the 17 demand. An action to enforce a demand promissory note is 18 barred if neither principal nor interest on the demand 19 promissory note has been paid for a continuous period of 10 20 years and no demand for payment has been made to the maker 21 during that period. 22 (Source: P.A. 95-209, eff. 8-16-07.) 23 Section 99. Effective date. This Act takes effect upon 24 becoming law. 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