HB 4538 Illinois House · 104th Regular Session

CONSUMER IDENTITY VERIFICATION

Summary

Creates the Identity Verification for Consumer Services Act. Requires an entity that provides specified services to use identity verification to verify a person's identity before initiating or modifying an agreement to provide the service. Provides that an entity that provides a specified service that becomes aware of an attempted or confirmed identity theft through its compliance with the Act shall report the attempted or confirmed identity theft to the Attorney General. Provides that a violation of the Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. Limits home rule. Amends the Consumer Fraud and Deceptive Business Practices Act to make a conforming change. Effective January 1, 2027.

Issues: ✓ Technology

Bill status passed 3 of 5 stages cleared

Introduction

Apr 2026

Committee Review

Apr 2026

House Passage

Apr 2026

Senate Passage

Governor

Introduced Apr 21, 2026 Last action Apr 21, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 4 edits · Apr 17, 2026

MODERATE

The bill was amended to clarify which services are covered and to add specific exemptions for public utilities and government programs. It also updated the identity verification rules to require two forms of authentication and expanded the list of federal regulations that exempt certain entities from the bill's requirements.

Scope change

The scope was narrowed to explicitly exclude public utilities, alternative retail electric suppliers, and gas suppliers, and to add exemptions for specific state government programs like the Early Intervention Program and Child Care Assistance Program.

DEFINITION

Added explicit exclusions for public utilities, alternative retail electric suppliers, and gas suppliers to the definition of 'covered service'.

REQUIREMENT

Changed the identity verification requirement to mandate exactly two forms of authentication from a list of five options, rather than a less specific standard.

EXEMPTIONS

Added specific exemptions for the Early Intervention Program and the Child Care Assistance Program when used for identity verification.

Expanded the exemption for entities subject to federal regulations to include specific federal programs like the Customer Identification Program.

Floor votes · House Apr 17, 2026

How they voted

101–0

Passed · 15 other

Total votes 116

Apr 17, 2026

D Democratic76

67 Yea 9

88% Yea

R Republican40

34 Yea 6

85% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Apr 21, 2026

Committee

Referred to Assignments

upper

Apr 21, 2026

Introduced

Arrive in Senate

upper

Apr 17, 2026

Amended

House Floor Amendment No. 3 Tabled

lower

Apr 17, 2026

Lower · Passed

Third Reading - Short Debate - Passed 103-000-000

lower

Apr 17, 2026

Lower · Passed

House Floor Amendment No. 4 Adopted

lower

Apr 17, 2026

Lower · Passed

House Floor Amendment No. 4 Recommends Be Adopted Executive Committee; 012-000-000

lower

Apr 17, 2026

Lower · Passed

House Floor Amendment No. 4 Rules Refers to Executive Committee

lower

Apr 16, 2026

Committee

House Floor Amendment No. 4 Referred to Rules Committee

lower

Apr 16, 2026

Introduced

House Floor Amendment No. 4 Filed with Clerk by Rep. Rita Mayfield

lower

Apr 14, 2026

Lower · Passed

House Floor Amendment No. 3 Recommends Be Adopted Consumer Protection Committee; 009-000-000

lower

Apr 14, 2026

Lower · Passed

House Floor Amendment No. 3 Rules Refers to Consumer Protection Committee

lower

Apr 10, 2026

Committee

House Floor Amendment No. 3 Referred to Rules Committee

lower

Apr 10, 2026

Introduced

House Floor Amendment No. 3 Filed with Clerk by Rep. Rita Mayfield

lower

Mar 24, 2026

Lower · Passed

Do Pass as Amended / Short Debate Consumer Protection Committee; 006-003-000

lower

Mar 24, 2026

Lower · Passed

House Committee Amendment No. 2 Adopted in Consumer Protection Committee; by Voice Vote

lower

Mar 24, 2026

Lower · Passed

House Committee Amendment No. 1 Adopted in Consumer Protection Committee; by Voice Vote

lower

Mar 20, 2026

Lower · Passed

House Committee Amendment No. 2 Rules Refers to Consumer Protection Committee

lower

Mar 19, 2026

Committee

House Committee Amendment No. 2 Referred to Rules Committee

lower

Mar 19, 2026

Introduced

House Committee Amendment No. 2 Filed with Clerk by Rep. Rita Mayfield

lower

Mar 19, 2026

Lower · Passed

House Committee Amendment No. 1 Rules Refers to Consumer Protection Committee

lower

Mar 18, 2026

Committee

House Committee Amendment No. 1 Referred to Rules Committee

lower

Mar 18, 2026

Introduced

House Committee Amendment No. 1 Filed with Clerk by Rep. Rita Mayfield

lower

Feb 11, 2026

Committee

Assigned to Consumer Protection Committee

lower

Jan 30, 2026

Committee

Referred to Rules Committee

lower

2 primary · 2 co-sponsors