104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB1234 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED: 20 ILCS 4070/1520 ILCS 4070/20 Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately. LRB104 06172 SPS 16206 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB1234 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED: 20 ILCS 4070/1520 ILCS 4070/20 20 ILCS 4070/15 20 ILCS 4070/20 Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately. LRB104 06172 SPS 16206 b LRB104 06172 SPS 16206 b A BILL FOR
104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB1234 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
20 ILCS 4070/1520 ILCS 4070/20 20 ILCS 4070/15 20 ILCS 4070/20
20 ILCS 4070/15
20 ILCS 4070/20
Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately.
LRB104 06172 SPS 16206 b LRB104 06172 SPS 16206 b
LRB104 06172 SPS 16206 b
A BILL FOR
HB1234LRB104 06172 SPS 16206 b HB1234 LRB104 06172 SPS 16206 b
HB1234 LRB104 06172 SPS 16206 b
1 AN ACT concerning State government.
2 Be it enacted by the People of the State of Illinois,
3 represented in the General Assembly:
4 Section 5. The Commission on Discrimination and Hate
5 Crimes Act is amended by changing Sections 15 and 20 as
6 follows:
7 (20 ILCS 4070/15)
8 Sec. 15. Purposes of Commission.
9 (a) The purposes of the Commission include, but are not
10 limited to, the following:
11 (1) To work in partnership with community leaders,
12 educators, religious leaders, social service agencies,
13 elected officials, and the public to identify and uproot
14 sources of discrimination and bias at the source.
15 (2) To work with local governments, law enforcement
16 officials and prosecutors, educators, and community
17 organizations by assisting with the development of
18 resources, training, and information that allow for a
19 swift and efficient response to hate-motivated crimes and
20 incidents.
21 (3) To work with educators throughout Illinois on
22 issues concerning discrimination and hate, teaching
23 acceptance, and embracing diversity at academic
104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 HB1234 Introduced , by Rep. Rita Mayfield SYNOPSIS AS INTRODUCED:
20 ILCS 4070/1520 ILCS 4070/20 20 ILCS 4070/15 20 ILCS 4070/20
20 ILCS 4070/15
20 ILCS 4070/20
Amends the Commission on Discrimination and Hate Crimes Act. Provides that the Commission on Discrimination and Hate Crimes shall research and identify any discriminatory practices used by insurance companies in the ratemaking process for home insurance and automobile insurance, including, but not limited to, the use of zip codes, credit scores, and age in a manner that results in inequitable rates being assessed to certain populations. Provides that, beginning with the report that is due by March 30, 2026, the Commission shall include any findings and recommendations it makes concerning discriminatory practices used by insurance companies in its report to the Governor and the General Assembly. Effective immediately.
LRB104 06172 SPS 16206 b LRB104 06172 SPS 16206 b
LRB104 06172 SPS 16206 b
A BILL FOR
20 ILCS 4070/15
20 ILCS 4070/20
LRB104 06172 SPS 16206 b
HB1234 LRB104 06172 SPS 16206 b
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HB1234 - 2 - LRB104 06172 SPS 16206 b
1 institutions.
2 (4) To help ensure that this State's laws addressing
3 discrimination and hate-related violence are widely known
4 and applied correctly to help eradicate and prevent crimes
5 based on discrimination and intolerance.
6 (5) To make recommendations to the Governor and the
7 General Assembly for statutory and programmatic changes
8 necessary to eliminate discrimination and hate-based
9 violence.
10 (6) To help implement recommendations by working with
11 State agencies, the General Assembly, the business
12 community, the social service community, and other
13 organizations.
14 (b) The Commission shall research and identify any
15 discriminatory practices used by insurance companies in the
16 ratemaking process for home insurance and automobile
17 insurance, including, but not limited to, the use of zip
18 codes, credit scores, and age in a manner that results in
19 inequitable rates being assessed to certain populations. The
20 Commission shall make recommendations to the Governor and the
21 General Assembly for statutory and programmatic changes
22 necessary to address its findings under this subsection.
23 (Source: P.A. 95-425, eff. 8-24-07.)
24 (20 ILCS 4070/20)
25 Sec. 20. Annual report. The Commission shall submit a
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1 report to the Governor and the General Assembly by March 30 of
2 each year. Beginning with the report that is due by March 30,
3 2026, the Commission shall include any findings and
4 recommendations it makes under subsection (b) of Section 15.
5 (Source: P.A. 95-425, eff. 8-24-07.)
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