RENTAL PAYMENT INFO-REPORTING

Illinois General Assembly - Full Text of SB3504

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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
SB3504

Introduced 2/5/2026, by Sen. Mike Porfirio

SYNOPSIS AS INTRODUCED:

765 ILCS 705/35 new

Amends the Landlord and Tenant Act. Provides that any landlord of a
dwelling unit of residential real property must offer any tenant the
option of having the tenant's rental payment information reported to at
least one nationwide consumer reporting agency as long as the consumer
reporting agency resells or otherwise furnishes rental payment information
to a nationwide consumer reporting agency. "Rental payment information"
means information regarding a tenant's complete, timely payments of rent.
Requires that before reporting a tenant's rental history information, the
landlord must first provide written notice of the offer and obtain written
authorization from the tenant electing to have the rent reported.
Specifies what information the notice must contain. Provides that if a
tenant elects to have that tenant's rental payment information reported to
a consumer reporting agency, the landlord may require that the tenant pay a
fee not to exceed the actual cost to the landlord to provide the service
plus $5 per month. Provides that the payment or nonpayment of this fee by
the tenant may not be reported to a consumer reporting agency. Exempts a
landlord of a residential rental building that contains 15 or fewer
dwelling units, unless the landlord: (1) owns more than one residential
rental building, regardless of the number of units in each building; and
(2) is a corporation, limited liability company in which at least one
member is a corporation or a real estate investment trust. Makes other
changes.
LRB104 19597 JRC 33046 b

A BILL FOR

SB3504
LRB104 19597 JRC 33046 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 Landlord and Tenant Act is amended by
5
adding Section 35 as follows:

6

(765 ILCS 705/35 new)
7

Sec. 35.
Reporting of tenants' rental payment history.

8
(a) A landlord of a dwelling unit of residential real property
9
must offer any tenant obligated on the lease the option of
10
having the tenant's rental payment information reported to at
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least one nationwide consumer reporting agency that meets the
12
definition in Section 603(p) of the federal Fair Credit
13
Reporting Act or any other consumer reporting agency that
14
meets the definition in Section 603(f) of that Act as long as
15
the consumer reporting agency resells or otherwise furnishes
16
rental payment information to a nationwide consumer reporting
17
agency that meets the definition in Section 603(p) of that
18
Act. As used in this Section, "rental payment information"
19
means information regarding a tenant's complete, timely
20
payments of rent.
21

(b) Before reporting a tenant's rental history information
22
to a consumer reporting agency in accordance with this
23
Section, the landlord must first provide written notice of the

SB3504
- 2 -
LRB104 19597 JRC 33046 b
1
offer as described in subsection (d) and obtain written
2
authorization from the tenant electing to have the rent
3
reported.
4

(c) The offer of rental payment information reporting must
5
be made at the time of the lease agreement and at least once
6
annually thereafter and for any renewal of a lease. A landlord
7
may provide the offer of rental payment reporting to the
8
tenant by first-class United States mail, email, or the same
9
medium used by the landlord to provide the tenant with the
10
lease agreement.
11

(d) The landlord's notice of the option of rent reporting
12
must include all of the following:
13

(1) a statement that reporting of the tenant's rental
14

payment information is optional;
15

(2) identification of each consumer reporting agency
16

to which rental payment information will be reported;
17

(3) a statement that many consumer reporting agencies
18

consider any rental payment late if the payment is overdue
19

by 30 days or more;
20

(4) a statement describing which rental payments will
21

be reported and whether these payments are considered
22

timely, late, or missed;
23

(5) the amount of any fee charged by the landlord for
24

reporting the tenant's rental payment information;
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(6) instructions on how to submit to the landlord the
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written election of rental payment information reporting;

SB3504
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LRB104 19597 JRC 33046 b
1

(7) a statement that the tenant may opt into rental
2

payment information reporting at any time following the
3

initial offer by the landlord;
4

(8) a statement that the tenant may elect to stop
5

rental payment information reporting at any time, but that
6

the tenant will not be able to resume reporting for at
7

least 6 months after the election to opt out;
8

(9) instructions on how to opt out of rental payment
9

information reporting; and
10

(10) a signature block that the tenant must date and
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sign in order to accept the offer of rental payment
12

information reporting.
13

(e) A tenant may submit the completed written election of
14
rent reporting at any time after the tenant receives the offer
15
from the landlord.
16

(f)(1) If a tenant elects to have that tenant's rental
17
payment information reported to a consumer reporting agency,
18
the landlord may require that the tenant pay a fee not to
19
exceed the actual cost to the landlord to provide the service
20
plus $5 per month. The payment or nonpayment of this fee by the
21
tenant may not be reported to a consumer reporting agency.
22

(2) If a tenant fails to pay any fee required by the
23
landlord under this Section, all of the following apply:
24

(A) the failure to pay the fee is not a cause for
25

termination of the tenancy;
26

(B) the landlord may not deduct the unpaid fee from

SB3504
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LRB104 19597 JRC 33046 b
1

the tenant's security deposit or rental payment; and
2

(C) if the fee remains unpaid for 30 days or more, the
3

landlord may stop reporting the tenant's rental payments,
4

and the tenant may not elect rent reporting again for a
5

period of 6 months from the date on which the fee first
6

became due.
7

(g) A tenant who elects to have rent reported may
8
subsequently file a written request with the landlord to stop
9
that reporting with which the landlord must comply. A tenant
10
who elects to stop reporting may not elect rent reporting
11
again for a period of at least 6 months from the date of the
12
tenant's written request to stop reporting.
13

(h) If a tenant makes deductions from rent or otherwise
14
withholds rent as authorized by law, the deductions or
15
withholding of rent do not constitute a late rental payment. A
16
tenant invoking the right to repair and deduct or withhold
17
rent must notify the landlord of the deduction or withholding
18
before the date rent is due.
19

(i) This Section does not apply to a landlord of a
20
residential rental building that contains 15 or fewer dwelling
21
units, unless the landlord:
22

(1) owns more than one residential rental building,
23

regardless of the number of units in each building; and
24

(2) is a corporation, limited liability company in
25

which at least one member is a corporation or a real estate
26

investment trust.

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