Illinois HB 3352: COLLECTION AGENCY COERCED DEBT

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 Full Text of HB3352

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HB3352 EnrolledLRB104 09840 BAB 19908 b

1 AN ACT concerning regulation.

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

3represented in the General Assembly:

4 Section 5. The Collection Agency Act is amended by 

5changing Section 2 and by adding Section 9.6 as follows:

6 (205 ILCS 740/2) (was 225 ILCS 425/2)

7 (Section scheduled to be repealed on January 1, 2026)

8 Sec. 2. Definitions. In this Act: 

9 "Address of record" means the designated address recorded 

10by the Department in the applicant's or licensee's application 

11file or license file as maintained by the Department's 

12licensure maintenance unit.

13 "Board" means the Collection Agency Licensing and 

14Disciplinary Board. 

15 "Charge-off balance" means an account principal and other 

16legally collectible costs, expenses, and interest accrued 

17prior to the charge-off date, less any payments or settlement. 

18 "Charge-off date" means the date on which a receivable is 

19treated as a loss or expense. 

20 "Coerced debt" means any debt as defined by this Act or a 

21portion of the debt, except for debt secured by real property, 

22that was incurred by the debtor because of fraud, duress, 

23intimidation, threat, force, coercion, undue influence, or the 

HB3352 Enrolled- 2 -LRB104 09840 BAB 19908 b

1non-consensual use of the debtor's personal identifying 

2information between family or household members as defined in 

3Section 103 of the Illinois Domestic Violence Act of 1986, as a 

4result of abuse or exploitation as defined in Section 103 of 

5the Illinois Domestic Violence Act of 1986, or due to human 

6trafficki