Bill Status of HB 4891   103rd General Assembly

Short Description:  DENTAL THIRD-PARTY FINANCING

House Sponsors
Rep. Margaret Croke, Daniel Didech, Will Guzzardi, Kevin John Olickal, Jawaharial Williams, Hoan Huynh and Joyce Mason

Senate Sponsors
(Sen. Sara Feigenholtz, Mike Simmons, Mike Porfirio, Robert Peters and Lakesia Collins)


Last Action  View All Actions

DateChamber Action
  8/2/2024HousePublic Act . . . . . . . . . 103-0733

Statutes Amended In Order of Appearance
225 ILCS 25/45.5 new

Synopsis As Introduced
Amends the Illinois Dental Practice Act. Provides that a dentist, employee of a dentist, or agent of a dentist shall provide the patient with a written treatment plan that includes a description of each anticipated service to be provided and a good faith estimate of expected charges before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides a form that a dentist, employee of a dentist, or agent of a dentist must provide before arranging for, offering, brokering, or establishing open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not complete any portion of an application for open-end credit, a line of credit, or a loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party that contains a deferred interest provision. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, offer, broker, or establish open-end credit, a line of credit, or a loan extended by a third party if (i) the treatment has yet to be rendered or costs associated with the treatment have yet to be incurred; (ii) the dentist, employee of a dentist, or agent of a dentist has not provided the patient with a treatment plan, and informed the patient in writing about which costs associated with the treatment are being charged in advance; and (iii) that dentist's office arranged for, offered, brokered, or established the open-end credit, line of credit, or loan extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist shall, within 15 days business days of a patient's request or within 15 business days of the dentist, employee of a dentist, or agent of a dentist becoming aware of treatment that has not been rendered or costs that have not been incurred, whichever occurs first, refund to the lender any payment received through open-end credit, a line of credit, or a loan extended by a third party that is arranged for, offered, brokered, or established in that dentist's office. Provides that the Department of Financial and Professional Regulation may adopt rules to implement these provisions. Effective January 1, 2025.

House Floor Amendment No. 1
Replaces everything after the enacting clause. Amends the Illinois Dental Practice Act. Provides that a dentist, employee of a dentist, or agent of a dentist may not arrange for, broker, or establish financing extended by a third party for a patient. Provides that a dentist, employee of a dentist, or agent of a dentist may not complete for a patient or patient's guardian any portion of an application for financing extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not provide the patient or patient's guardian with an electronic device to apply for financing extended by a third party. Provides that a dentist, employee of a dentist, or agent of a dentist may not promote, advertise, or provide marketing or application materials for financing extended by a third party to a patient who (1) has been administered or is under the influence of general anesthesia, conscious sedation, moderate sedation, nitrous oxide; (2) is being administered treatment; or (3) is in a treatment area, including, but not limited to, an exam room, surgical room, or other area when medical treatment is administered, unless an area separated from the treatment area does not exist. Provides that a dentist, employee of a dentist, or agent of a dentist must provide a specific written notice to a patient or patient's guardian when discussing or providing applications for financing extended by a third party. Provides that a violation of the provisions is punishable by a fine of up to $500 for the first violation and a fine of up to $1,000 for each subsequent violation. Provides that the Department of Financial and Professional Regulation may take other disciplinary action if the licensee's conduct also violates other provisions of the Act. Defines terms. Effective January 1, 2025.

Actions 
DateChamber Action
  2/6/2024HouseFiled with the Clerk by Rep. Margaret Croke
  2/7/2024HouseFirst Reading
  2/7/2024HouseReferred to Rules Committee
  2/8/2024HouseAdded Co-Sponsor Rep. Daniel Didech
  2/28/2024HouseAssigned to Financial Institutions and Licensing Committee
  3/6/2024HouseAdded Co-Sponsor Rep. Will Guzzardi
  3/6/2024HouseAdded Co-Sponsor Rep. Kevin John Olickal
  4/2/2024HouseDo Pass / Short Debate Financial Institutions and Licensing Committee; 007-003-001
  4/3/2024HousePlaced on Calendar 2nd Reading - Short Debate
  4/16/2024HouseHouse Floor Amendment No. 1 Filed with Clerk by Rep. Margaret Croke
  4/16/2024HouseHouse Floor Amendment No. 1 Referred to Rules Committee
  4/17/2024HouseHouse Floor Amendment No. 1 Rules Refers to Financial Institutions and Licensing Committee
  4/17/2024HouseHouse Floor Amendment No. 1 Recommends Be Adopted Financial Institutions and Licensing Committee; 008-001-001
  4/17/2024HouseSecond Reading - Short Debate
  4/17/2024HouseHeld on Calendar Order of Second Reading - Short Debate
  4/18/2024HouseHouse Floor Amendment No. 1 Adopted
  4/18/2024HousePlaced on Calendar Order of 3rd Reading - Short Debate
  4/18/2024HouseThird Reading - Short Debate - Passed 071-035-002
  4/18/2024HouseAdded Co-Sponsor Rep. Jawaharial Williams
  4/18/2024HouseAdded Co-Sponsor Rep. Hoan Huynh
  4/18/2024HouseAdded Co-Sponsor Rep. Joyce Mason
  4/19/2024SenateArrive in Senate
  4/19/2024SenatePlaced on Calendar Order of First Reading
  4/19/2024SenateChief Senate Sponsor Sen. Sara Feigenholtz
  4/19/2024SenateFirst Reading
  4/19/2024SenateReferred to Assignments
  4/30/2024SenateAssigned to Financial Institutions
  4/30/2024SenateRule 2-10 Committee Deadline Established As May 10, 2024
  5/2/2024SenateAdded as Alternate Co-Sponsor Sen. Mike Simmons
  5/3/2024SenateAdded as Alternate Co-Sponsor Sen. Mike Porfirio
  5/8/2024SenateDo Pass Financial Institutions; 007-001-000
  5/8/2024SenatePlaced on Calendar Order of 2nd Reading May 9, 2024
  5/8/2024SenateAdded as Alternate Co-Sponsor Sen. Robert Peters
  5/8/2024SenateAdded as Alternate Co-Sponsor Sen. Lakesia Collins
  5/9/2024SenateSecond Reading
  5/9/2024SenatePlaced on Calendar Order of 3rd Reading
  5/16/2024SenateThird Reading - Passed; 055-001-000
  5/16/2024HousePassed Both Houses
  6/13/2024HouseSent to the Governor
  8/2/2024HouseGovernor Approved
  8/2/2024HouseEffective Date January 1, 2025
  8/2/2024HousePublic Act . . . . . . . . . 103-0733

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