INS CD-FRAUD REPORTING

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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
SB3933

Introduced 2/6/2026, by Sen. Julie A. Morrison

SYNOPSIS AS INTRODUCED:

215 ILCS 5/155.23

from Ch. 73, par. 767.23

Amends the Illinois Insurance Code. Removes provisions concerning the
duties of the Director of Insurance to promulgate reasonable rules
requiring insurers doing business in the State of Illinois to report
factual information in their possession that is pertinent to suspected
fraudulent insurance claims, fraudulent insurance applications, or premium
fraud after the Director has made a determination that the information is
necessary to detect fraud or arson. Requires insurers to report fraudulent
activity to the Attorney General, the National Insurance Crime Bureau, or
the National Association of Insurance Commissioners. Removes provisions
concerning the Director's designation of data processing organizations or
governmental agencies to assist in gathering and compiling fraud
information. Sets forth provisions allowing any person who has a
reasonable belief that an act of insurance fraud that is or may be a crime
under Illinois law has been, is being, or is about to be committed or any
person who collects, reviews, or analyzes information concerning insurance
fraud that is or may be a crime under Illinois law to report suspected
insurance fraud activity to the Attorney General or an authorized
representative of an insurer that requests the information for the purpose
of directing, prosecuting, or preventing insurance fraud. Effective
immediately.
LRB104 19319 BAB 32765 b

A BILL FOR

SB3933
LRB104 19319 BAB 32765 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 Insurance Code is amended by
5
changing Section 155.23 as follows:

6

(215 ILCS 5/155.23)

(from Ch. 73, par. 767.23)
7

Sec. 155.23.
Fraud reporting.

8

(1)
Any insurer, as defined in Section 155.24 of this
9
Code, doing business in the State of Illinois that has
10
reasonable belief that an act of insurance fraud which is or
11
may be a crime under Illinois law has been, is being, or is
12
about to be committed shall furnish and disclose the knowledge
13
and information to:
14

(A) the Attorney General;
15

(B) the National Insurance Crime Bureau; or
16

(C) the National Association of Insurance
17

Commissioners, which shall disclose the information to the
18

Attorney General and cooperate fully with any
19

investigation conducted by the Attorney General.

20
The Director is authorized to promulgate reasonable rules
21
requiring insurers, as defined in Section 155.24, doing
22
business in the State of Illinois to report factual
23
information in their possession that is pertinent to suspected

SB3933
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LRB104 19319 BAB 32765 b
1
fraudulent insurance claims, fraudulent insurance
2
applications, or premium fraud after he has made a
3
determination that the information is necessary to detect
4
fraud or arson. Claim information may include:

5

(a) Dates and description of accident or loss.

6

(b) Any insurance policy relevant to the accident or
7

loss.

8

(c) Name of the insurance company claims adjustor and
9

claims adjustor supervisor processing or reviewing any
10

claim or claims made under any insurance policy relevant
11

to the accident or loss.

12

(d) Name of claimant's or insured's attorney.

13

(e) Name of claimant's or insured's physician, or any
14

person rendering or purporting to render medical
15

treatment.

16

(f) Description of alleged injuries, damage or loss.

17

(g) History of previous claims made by the claimant or
18

insured.

19

(h) Places of medical treatment.

20

(i) Policy premium payment record.

21

(j) Material relating to the investigation of the
22

accident or loss, including statements of any person,
23

proof of loss, and any other relevant evidence.

24

(k) any facts evidencing fraud or arson.
25

The Director shall establish reporting requirements for
26
application and premium fraud information reporting by rule.

SB3933
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LRB104 19319 BAB 32765 b
1

(2)
Any person who has a reasonable belief that an act of
2
insurance fraud that is or may be a crime under Illinois law
3
has been, is being, or is about to be committed or any person
4
who collects, reviews, or analyzes information concerning
5
insurance fraud that is or may be a crime under Illinois law
6
may furnish and disclose any information in the person's
7
possession concerning such an act to the Attorney General or
8
to an authorized representative of an insurer that requests
9
the information for the purpose of detecting, prosecuting, or
10
preventing insurance fraud.

The Director of Insurance may
11
designate one or more data processing organizations or
12
governmental agencies to assist him in gathering such
13
information and making compilations thereof, and may by rule
14
establish the form and procedure for gathering and compiling
15
such information. The rules may name any organization or
16
agency designated by the Director to provide this service, and
17
may in such case provide for a fee to be paid by the reporting
18
insurers directly to the designated organization or agency to
19
cover any of the costs associated with providing this service.
20
After determination by the Director of substantial evidence of
21
false or fraudulent claims, fraudulent applications, or
22
premium fraud, the information shall be forwarded by the
23
Director or the Director's designee to the proper law
24
enforcement agency or prosecutor. Insurers shall have access
25
to, and may use, the information compiled under the provisions
26
of this Section. Insurers shall release information to, and

SB3933
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LRB104 19319 BAB 32765 b
1
shall cooperate with, any law enforcement agency requesting
2
such information.
3

In the absence of malice, no insurer, or person who
4
furnishes information on its behalf, is liable for damages in
5
a civil action or subject to criminal prosecution for any oral
6
or written statement made or any other action taken that is
7
necessary to supply information required pursuant to this
8
Section.
9
(Source: P.A. 92-233, eff. 1-1-02.)

10

Section 99.
Effective date.
This Act takes effect upon
11
becoming law.

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