Illinois SB 2232: CONSUMER FRAUD-AUTO LOAN

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB2232

Introduced 2/7/2025, by Sen. Sue Rezin 

SYNOPSIS AS INTRODUCED:

815 ILCS 505/2HHHH new

 Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that no consumer reporting agency may furnish a consumer report or contact information that is not requested by the consumer if the report or information is being procured based in whole or in part on the presence of an inquiry made in connection with a residential mortgage loan as defined by the Truth in Lending Act or automobile loan as covered under the Truth in Lending Act. Provides that a violation of the provision constitutes an unlawful practice within the meaning of the Act.

LRB104 05589 SPS 15619 b

A BILL FOR

SB2232LRB104 05589 SPS 15619 b

1 AN ACT concerning business.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly: 

4 Section 1. Legislative intent. It is the intent of the 

5General Assembly for this amendatory Act of the 104th General 

6Assembly to be enforceable if federal law, including, but not 

7limited to, the Fair Credit Reporting Act, does not contradict 

8or preempt it.

9 Section 5. The Consumer Fraud and Deceptive Business 

10Practices Act is amended by adding Section 2HHHH as follows:

11 (815 ILCS 505/2HHHH new)

12 Sec. 2HHHH. Consumer report inquiries for mortgage or 

13automobile loans. No consumer reporting agency may furnish a 

14consumer report or contact information that is not requested 

15by the consumer if the report or information is being procured 

16based in whole or in part on the presence of an inquiry made in 

17connection with a residential mortgage loan as defined by 

18Section 103 of the Truth in Lending