Bill Text: IL HB4659 | 2025-2026 | 104th General Assembly | Enrolled

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Bill Title: Amends the Consumer Installment Loan Act. Provides that in any lawsuit or arbitration to collect a debt, subject to the Act, it is an affirmative defense that the debt is or is partially coerced debt to the plaintiff and the court or arbitrator. Provides that a plaintiff has the burden to disprove the debtor's defense by a preponderance of the evidence. Defines "coerced debt".

Sponsorship: Slight Partisan Bill (Republican 8-3)

Status: (Passed) 2026-07-10 - Public Act . . . . . . . . . 104-0556 [HB4659 Detail]

Download: Illinois-2025-HB4659-Enrolled.html

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HB4659 Enrolled LRB104 17719 RLC 31150 b
AN ACT concerning domestic violence.
Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
Section 5. The Consumer Installment Loan Act is amended by
adding Section 20.8 as follows:
(205 ILCS 670/20.8 new)
Sec. 20.8. Coerced debt.
(a) In this Section, "coerced debt" means any debt
incurred through a loan subject to this Act or a portion of the
debt, except for debt secured by real property, that was
incurred by the debtor because of fraud, duress, intimidation,
threat, force, coercion, undue influence, or the
non-consensual use of the debtor's personal identifying
information between family or household members, as defined in
Section 103 of the Illinois Domestic Violence Act of 1986, as a
result of abuse or exploitation, as defined in Section 103 of
the Illinois Domestic Violence Act of 1986, or due to human
trafficking, as defined in subsections (b), (c), and (d) of
Section 10-9 of the Criminal Code of 2012.
(b) In any lawsuit or arbitration to collect a debt,
subject to this Act, it is an affirmative defense that the debt
is or is partially coerced debt to the plaintiff and the court
or arbitrator.