Illinois 2025-2026 Regular Session

Illinois Senate Bill SB1523 Compare Versions

Version 1 (Old)

Version 2 (New)

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1		-	SB1523 EngrossedLRB104 07685 RTM 17729 b SB1523 Engrossed LRB104 07685 RTM 17729 b
2		-	SB1523 Engrossed LRB104 07685 RTM 17729 b
	1	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB1523 Introduced 2/4/2025, by Sen. Doris Turner SYNOPSIS AS INTRODUCED: 55 ILCS 5/3-5010.555 ILCS 5/3-5010.1055 ILCS 5/3-5010.11 new Amends the Counties Code. Provides that any person who files or causes to be filed a deed or instrument that is recorded in the grantor's index or the grantee's index that is fraudulent, unlawfully altered, or intended to unlawfully cloud or transfer the title of any real property may be held liable to the rightful property owner affected in an action brought in a court of competent jurisdiction for such legal or equitable relief as may be appropriate to enforce the Code. Requires every county to establish and maintain a property fraud alert system. Requires every recorder to establish a fraud referral and review process to review deeds and instruments. LRB104 07685 RTM 17729 b A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB1523 Introduced 2/4/2025, by Sen. Doris Turner SYNOPSIS AS INTRODUCED: 55 ILCS 5/3-5010.555 ILCS 5/3-5010.1055 ILCS 5/3-5010.11 new 55 ILCS 5/3-5010.5 55 ILCS 5/3-5010.10 55 ILCS 5/3-5010.11 new Amends the Counties Code. Provides that any person who files or causes to be filed a deed or instrument that is recorded in the grantor's index or the grantee's index that is fraudulent, unlawfully altered, or intended to unlawfully cloud or transfer the title of any real property may be held liable to the rightful property owner affected in an action brought in a court of competent jurisdiction for such legal or equitable relief as may be appropriate to enforce the Code. Requires every county to establish and maintain a property fraud alert system. Requires every recorder to establish a fraud referral and review process to review deeds and instruments. LRB104 07685 RTM 17729 b LRB104 07685 RTM 17729 b A BILL FOR
	2	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB1523 Introduced 2/4/2025, by Sen. Doris Turner SYNOPSIS AS INTRODUCED:
	3	+	55 ILCS 5/3-5010.555 ILCS 5/3-5010.1055 ILCS 5/3-5010.11 new 55 ILCS 5/3-5010.5 55 ILCS 5/3-5010.10 55 ILCS 5/3-5010.11 new
	4	+	55 ILCS 5/3-5010.5
	5	+	55 ILCS 5/3-5010.10
	6	+	55 ILCS 5/3-5010.11 new
	7	+	Amends the Counties Code. Provides that any person who files or causes to be filed a deed or instrument that is recorded in the grantor's index or the grantee's index that is fraudulent, unlawfully altered, or intended to unlawfully cloud or transfer the title of any real property may be held liable to the rightful property owner affected in an action brought in a court of competent jurisdiction for such legal or equitable relief as may be appropriate to enforce the Code. Requires every county to establish and maintain a property fraud alert system. Requires every recorder to establish a fraud referral and review process to review deeds and instruments.
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	10	+	A BILL FOR
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3	13		1 AN ACT concerning local government.
4	14		2 Be it enacted by the People of the State of Illinois,
5	15		3 represented in the General Assembly:
6	16		4 Section 5. The Counties Code is amended by changing
7	17		5 Sections 3-5010.5 and 3-5010.10 and by adding Section
8	18		6 3-5010.11 as follows:
9	19		7 (55 ILCS 5/3-5010.5)
10	20		8 Sec. 3-5010.5. Fraud referral and review.
11	21		9 (a) Legislative findings. The General Assembly finds that
12	22		10 property fraud, including fraudulent filings intended to cloud
13	23		11 or fraudulently transfer title to property by recording false
14	24		12 or altered documents and deeds, is a rapidly growing problem
15	25		13 throughout the State. In order to combat the increase in the
16	26		14 number of these filings, a recorder may establish a process to
17	27		15 review and refer documents suspected to be fraudulent.
18	28		16 (b) Definitions. The terms "recording" and "filing" are
19	29		17 used interchangeably in this Section.
20	30		18 (c) Establishment and use of a fraud referral and review
21	31		19 process. Every recorder shall establish A recorder who
22	32		20 establishes a fraud referral and review process under the
23	33		21 provisions of this Section may use it to review deeds and
24	34		22 instruments. A recorder may refer, to an administrative law
25	35		23 judge for review under subsection (g) of this Section, any
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	39	+	104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB1523 Introduced 2/4/2025, by Sen. Doris Turner SYNOPSIS AS INTRODUCED:
	40	+	55 ILCS 5/3-5010.555 ILCS 5/3-5010.1055 ILCS 5/3-5010.11 new 55 ILCS 5/3-5010.5 55 ILCS 5/3-5010.10 55 ILCS 5/3-5010.11 new
	41	+	55 ILCS 5/3-5010.5
	42	+	55 ILCS 5/3-5010.10
	43	+	55 ILCS 5/3-5010.11 new
	44	+	Amends the Counties Code. Provides that any person who files or causes to be filed a deed or instrument that is recorded in the grantor's index or the grantee's index that is fraudulent, unlawfully altered, or intended to unlawfully cloud or transfer the title of any real property may be held liable to the rightful property owner affected in an action brought in a court of competent jurisdiction for such legal or equitable relief as may be appropriate to enforce the Code. Requires every county to establish and maintain a property fraud alert system. Requires every recorder to establish a fraud referral and review process to review deeds and instruments.
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	47	+	A BILL FOR
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34	74		1 deed or instrument that cause the recorder to reasonably
35	75		2 believe that the filing may be fraudulent, unlawfully altered,
36	76		3 or intended to unlawfully cloud or transfer the title of any
37	77		4 real property. and refer any of them to an administrative law
38	78		5 judge for review pursuant to subsection (g) of this Section
39	79		6 that cause the recorder to reasonably believe that the filing
40	80		7 may be fraudulent, unlawfully altered, or intended to
41	81		8 unlawfully cloud or transfer the title of any real property.
42	82		9 The recorder may enter into an intergovernmental agreement
43	83		10 with local law enforcement officials for the purposes of this
44	84		11 referral and review. A recorder may request that the Secretary
45	85		12 of the Department of Financial and Professional Regulation
46	86		13 assist in reviewing possible fraudulent filings. Upon request,
47	87		14 the Secretary, or the Secretary's designee, shall assist in
48	88		15 identifying the validity of filings. The recorder shall notify
49	89		16 the Secretary when a document suspected to be fraudulent is
50	90		17 discovered.
51	91		18 In counties with a population of less than 3 million, a
52	92		19 recorder shall provide public notice 90 days before the
53	93		20 establishment of the fraud referral and review process. The
54	94		21 notice shall include a statement of the recorder's intent to
55	95		22 create a fraud referral and review process and shall be
56	96		23 published in a newspaper of general circulation in the county
57	97		24 and, if feasible, posted on the recorder's website and at the
58	98		25 recorder's office or offices.
59	99		26 In determining whether to refer a document to an
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70	110		1 administrative law judge for review, a recorder may take into
71	111		2 consideration any of the following factors:
72	112		3 (1) whether the owner of the property or owner's
73	113		4 designated representative has reported to the recorder
74	114		5 that another individual is attempting or has attempted to
75	115		6 record a fraudulent deed or other instrument upon the
76	116		7 property;
77	117		8 (2) whether a law enforcement official has contacted
78	118		9 the recorder indicating that the law enforcement official
79	119		10 has probable cause to suspect title or recording fraud;
80	120		11 (3) whether the filer's name has a copyright attached
81	121		12 to it or the property owner's name has nonstandard
82	122		13 punctuation attached to it;
83	123		14 (4) whether the documents assert fines that do not
84	124		15 exist or have no basis under current law or that require
85	125		16 payment in gold or silver;
86	126		17 (5) whether the documents are maritime liens, or liens
87	127		18 under the Federal Maritime Lien Act or the Preferred Ship
88	128		19 Mortgage Act, or not authorized by the United States Coast
89	129		20 Guard;
90	130		21 (6) whether the documents are land patents not
91	131		22 authorized and certified by the United States Department
92	132		23 of the Interior Bureau of Land Management;
93	133		24 (7) whether the documents are representing that the
94	134		25 subject of the lien is releasing itself from a lien held by
95	135		26 another entity, with no apparent cooperation or
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106	146		1 authorization provided by the lienholder;
107	147		2 (8) whether the documents are protesting or disputing
108	148		3 a foreclosure proceeding that are not filed within the
109	149		4 foreclosure suit and with the court presiding over the
110	150		5 matter;
111	151		6 (9) whether the documents are Uniform Commercial Code
112	152		7 filings referencing birth certificates or other private
113	153		8 records that are not in compliance with Section 9-501 of
114	154		9 the Uniform Commercial Code;
115	155		10 (10) whether the documents are re-recording deeds to
116	156		11 re-notarize or attach notary certification if prior
117	157		12 notarization already appears unaltered on the document of
118	158		13 record;
119	159		14 (11) whether the documents are asserting diplomatic
120	160		15 credentials or immunity, non-United States citizenship, or
121	161		16 independence from the laws of the United States;
122	162		17 (12) whether the documents are claims that a bank
123	163		18 cannot hold title after a foreclosure;
124	164		19 (13) whether the documents are deeds not properly
125	165		20 signed by the last legal owner of record or the owner's
126	166		21 court-appointed representative or attorney-in-fact under a
127	167		22 power of attorney;
128	168		23 (14) whether the documents are manipulated or altered
129	169		24 federal or State legal or court forms that release a lien;
130	170		25 (15) whether a document is not related to a valid
131	171		26 existing or potential adverse transaction, existing lien,
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142	182		1 or judgment of a court of competent jurisdiction;
143	183		2 (16) a document that is not related to a valid
144	184		3 existing or potential commercial or financial transaction,
145	185		4 existing agricultural or other lien, or judgment of a
146	186		5 court of competent jurisdiction;
147	187		6 (17) whether the document is filed with the intent to
148	188		7 harass or defraud the person identified in the record or
149	189		8 any other person;
150	190		9 (18) whether the document is filed with the intent to
151	191		10 harass or defraud any member of a governmental office,
152	192		11 including, but not limited to, the recorder's office,
153	193		12 local government offices, the State of Illinois, or the
154	194		13 Federal government; and
155	195		14 (19) whether the documents are previous court
156	196		15 determinations, including a previous determination by a
157	197		16 court of competent jurisdiction that a particular document
158	198		17 is fraudulent, invalid, or forged.
159	199		18 (d) Determinations. If a recorder determines, after review
160	200		19 by legal staff and counsel, that a deed or instrument that is
161	201		20 recorded in the grantor's index or the grantee's index may be
162	202		21 fraudulent, unlawfully altered, or intended to unlawfully
163	203		22 cloud or transfer the title of any real property, the recorder
164	204		23 shall refer the deed or instrument to an administrative law
165	205		24 judge for review pursuant to subsection (g) of this Section.
166	206		25 The recorder shall record a Notice of Referral in the
167	207		26 grantor's index or the grantee's index identifying the
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178	218		1 document, corresponding document number in question, and the
179	219		2 date of referral. The recorder shall also notify the parties
180	220		3 set forth in subsection (e) of this Section. The recorder may,
181	221		4 at the recorder's discretion, notify law enforcement officials
182	222		5 regarding a filing determined to be fraudulent, unlawfully
183	223		6 altered, or intended to unlawfully cloud or transfer the title
184	224		7 of any real property.
185	225		8 (e) Notice. The recorder shall use county property tax
186	226		9 records to identify and provide notice to the last owner of
187	227		10 record by telephone, if available, and certified mail both
188	228		11 when: (1) a deed or instrument has been referred for review and
189	229		12 determination; and (2) a final determination has been made
190	230		13 regarding the deed or instrument. Notice, by mail, shall also
191	231		14 be sent to the physical address of the property associated
192	232		15 with the deed or instrument.
193	233		16 (f) Administrative decision. The recorder's decision to
194	234		17 add a Notice of Referral and refer a document for review is a
195	235		18 final administrative decision that is subject to review by the
196	236		19 circuit court of the county where the real property is located
197	237		20 under the Administrative Review Law. The standard of review by
198	238		21 the circuit court shall be de novo.
199	239		22 (g) Referral and review process. Prior to referral, the
200	240		23 recorder shall notify the last owner of record of the document
201	241		24 or documents suspected to be fraudulent. The person, entity,
202	242		25 or legal representative thereof shall confirm in writing the
203	243		26 person's, entity's, or legal representative's belief that a
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214	254		1 document or documents are suspected to be fraudulent and may
215	255		2 request that the recorder refer the case for review. Upon
216	256		3 request, the recorder shall bring a case to its county
217	257		4 department of administrative hearings and, within 10 business
218	258		5 days after receipt, an administrative law judge shall schedule
219	259		6 a hearing to occur no later than 30 days after receiving the
220	260		7 referral. The referral and case shall clearly identify the
221	261		8 person, persons, or entity believed to be the last true owner
222	262		9 of record as the petitioner. Notice of the hearing shall be
223	263		10 provided by the administrative law judge to the filer, or the
224	264		11 party represented by the filer, of the suspected fraudulent
225	265		12 document, the legal representative of the recorder of deeds
226	266		13 who referred the case, and the last owner of record, as
227	267		14 identified in the referral.
228	268		15 If clear and convincing evidence shows the document in
229	269		16 question to be fraudulent, the administrative law judge shall
230	270		17 rule the document to be fraudulent and forward the judgment to
231	271		18 all the parties identified in this subsection. Upon receiving
232	272		19 notice of the judgment of fraud, the recorder shall, within 5
233	273		20 business days, record a new document that includes a copy of
234	274		21 the judgment in front of the Notice of Referral that shall
235	275		22 clearly state that the document in question has been found to
236	276		23 be fraudulent and shall not be considered to affect the chain
237	277		24 of title of the property in any way.
238	278		25 If the administrative law judge finds the document to be
239	279		26 legitimate, the recorder shall, within 5 business days after
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250	290		1 receiving notice, record a copy of the judgment.
251	291		2 A decision by an administrative law judge shall not
252	292		3 preclude a State's attorney or sheriff from proceeding with a
253	293		4 criminal investigation or criminal charges. If a county does
254	294		5 not have an administrative law judge that specializes in
255	295		6 public records, one shall be appointed within 3 months after
256	296		7 the effective date of this amendatory Act of the 98th General
257	297		8 Assembly, or the original case shall be forwarded to the
258	298		9 proper circuit court with jurisdiction.
259	299		10 Nothing in this Section precludes a private right of
260	300		11 action by any party with an interest in the property affected
261	301		12 by the review and referral, or the filer of the document or
262	302		13 documents suspected to be fraudulent. Nothing in this Section
263	303		14 requires a person or entity who may have had a fraudulent
264	304		15 document or encumbrance filed against the person's or entity's
265	305		16 property to use the fraud review and referral process or
266	306		17 administrative review created by this Section.
267	307		18 (h) Fees. The recorder shall retain any filing fees
268	308		19 associated with filing a deed or instrument that is determined
269	309		20 to be fraudulent, unlawfully altered, or intended to
270	310		21 unlawfully cloud or transfer the title of any real property
271	311		22 under this Section.
272	312		23 (i) Liability. Neither a recorder nor any of the
273	313		24 recorder's employees or agents shall be subject to personal
274	314		25 liability by reason of any error or omission in the
275	315		26 performance of any duty under this Section, except in case of
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286	326		1 willful or wanton conduct. Neither the recorder nor any of the
287	327		2 recorder's employees shall incur liability for the referral or
288	328		3 review, or failure to refer or review, a document or
289	329		4 instrument under this Section.
290	330		5 (j) Applicability. This Section applies only to filings
291	331		6 provided to the recorder on and after the effective date of
292	332		7 this amendatory Act of the 98th General Assembly.
293	333		8 (k) (Blank).
294	334		9 (Source: P.A. 103-400, eff. 1-1-24.)
295	335		10 (55 ILCS 5/3-5010.10)
296	336		11 Sec. 3-5010.10. Property fraud alert system; registration
297	337		12 by property owners and real estate professionals.
298	338		13 (a) As used in this Section:
299	339		14 "Property fraud alert system" means any electronic or
300	340		15 automated alert system run by a county or by a third-party
301	341		16 vendor, by whatever name, that informs a property owner by
302	342		17 e-mail, telephone, or mail when a document is recorded with
303	343		18 the county recorder that relates to a registered property.
304	344		19 "Real estate professional" means a licensed real estate
305	345		20 agent, attorney, closing agent, or agent of a title insurance
306	346		21 company.
307	347		22 (b) Every county shall establish and maintain a property
308	348		23 fraud alert system. A recorder shall In a county that has a
309	349		24 property fraud alert system, a recorder may create a
310	350		25 registration form for a real estate professional to file with
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321	361		1 the recorder on behalf of a property owner to register the
322	362		2 property owner in the county's property fraud alert system.
323	363		3 The registration form must contain the following minimum
324	364		4 information:
325	365		5 (1) A notice on the top of the form that property
326	366		6 owners are not required to register with the county's
327	367		7 property fraud alert system.
328	368		8 (2) A description of the county's property fraud alert
329	369		9 system; the name of the third-party vendor, if any, who
330	370		10 operates the property fraud alert system; and the cost, if
331	371		11 any, to the property owner of the property fraud alert
332	372		12 system;
333	373		13 (3) A portion to be completed by a property owner and
334	374		14 real estate professional containing:
335	375		15 (i) the property owner's name and mailing address;
336	376		16 (ii) the Property Index Number (PIN) or unique
337	377		17 parcel identification code of the property for which
338	378		18 an alert will be created;
339	379		19 (iii) the e-mail, telephone number, or mailing
340	380		20 address the property owner would like to receive the
341	381		21 alert;
342	382		22 (iv) any information a third-party vendor who
343	383		23 operates a county's property fraud alert system
344	384		24 requires to register a property owner;
345	385		25 (v) if required, payment method and billing
346	386		26 information;
347	387
348	388
349	389
350	390
351	391
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353	393
354	394
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357	397		1 (vi) a clear and conspicuous notice, immediately
358	398		2 before the signatures, stating that the property owner
359	399		3 understands that neither the recorder, nor a
360	400		4 third-party vendor operating a county's property fraud
361	401		5 alert system, nor a real estate professional, nor any
362	402		6 employees thereof shall be liable to the property
363	403		7 owner should the property fraud alert system fail to
364	404		8 alert the property owner of any document being
365	405		9 recorded and that it is the property owner's
366	406		10 responsibility to verify the information he or she has
367	407		11 provided is correct and that he or she is registered
368	408		12 with the property fraud alert system;
369	409		13 (vii) a place for the property owner's signature;
370	410		14 (viii) a place for the real estate professional's
371	411		15 signature, if applicable, along with a statement
372	412		16 indicating that the real estate professional is
373	413		17 registered with the recorder and is allowed to file
374	414		18 the registration form with the recorder; and
375	415		19 (ix) a place to list up to 3 other persons to
376	416		20 receive a property fraud alert, including each
377	417		21 person's e-mail, telephone number, or address where he
378	418		22 or she will receive the alert.
379	419		23 (c) A property owner or real estate professional may file
380	420		24 a completed and signed registration form with the recorder.
381	421		25 When a recorder receives such a completed and signed
382	422		26 registration form, the recorder shall complete the
383	423
384	424
385	425
386	426
387	427
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389	429
390	430
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393	433		1 registration process for the property owner listed on the
394	434		2 registration form by entering the information from the
395	435		3 registration form into the property fraud alert system.
396	436		4 (d) A real estate professional that wishes to file
397	437		5 registration forms with the recorder on behalf of property
398	438		6 owners must first register with the recorder by verifying they
399	439		7 are a licensed real estate agent, attorney, closing agent, or
400	440		8 agent of a title insurance company. The recorder shall keep a
401	441		9 list of all registered real estate professionals.
402	442		10 (e) No county, recorder, third-party vendor operating a
403	443		11 county's property fraud alert system, real estate
404	444		12 professional, or any employees thereof shall be subject to
405	445		13 liability, except for willful and wanton misconduct, for any
406	446		14 error or omission in registering a property owner pursuant to
407	447		15 this Section or for any damages caused by the failure of the
408	448		16 property owner to be alerted of any document that was recorded
409	449		17 that relates to a property registered under the owner's name.
410	450		18 (f) A home rule unit shall not use or create a registration
411	451		19 form for use by a real estate professional to register a
412	452		20 property owner on the county's property fraud alert system
413	453		21 that conflicts with this Section. This Section is a limitation
414	454		22 under subsection (i) of Section 6 of Article VII of the
415	455		23 Illinois Constitution on the concurrent exercise by home rule
416	456		24 units of powers and functions exercised by the State. However,
417	457		25 nothing in this Section shall prevent any person from signing
418	458		26 up for a property fraud alert system by other means than those
419	459
420	460
421	461
422	462
423	463
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425	465
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429	469		1 provided for in this Section, including, but not limited to,
430	470		2 on a county's website or a third-party vendor's website that
431	471		3 hosts a property fraud alert system.
432	472		4 (Source: P.A. 99-75, eff. 1-1-16.)
433		-	5 (55 ILCS 5/3-5010.11 new)
434		-	6 Sec. 3-5010.11. Private right of action. Any person who
435		-	7 files or causes to be filed a deed or instrument that is
436		-	8 recorded in the grantor's index or the grantee's index that is
437		-	9 fraudulent, unlawfully altered, or intended to unlawfully
438		-	10 cloud or transfer the title of any real property may be held
439		-	11 liable to the rightful property owner affected in an action
440		-	12 brought in a court of competent jurisdiction for such legal or
441		-	13 equitable relief as may be appropriate to enforce this Code.
442	473
443	474
444	475
445	476
446	477
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