Sen. Meg Loughran Cappel

Creates the Insurance Fairness and Consumer Protection Law Article of the Illinois Insurance Code. Provides that insurers must submit a request for approval to the Department of Insurance for any proposed rate increase for homeowners insurance premiums or automobile insurance premiums. Prohibits implementing any rate increase without prior written approval of the Department. Prohibits using nondriving factors, such as credit score, occupation, and education level, to determine automobile insurance premiums. Provides that, for homeowners insurance, factors unrelated to the insured property's location, age, and condition shall not be considered in rate setting. Requires a public disclosure and comment period for any proposed rate increase exceeding 10% in a 12-month period. Prohibits an insurer from increasing premiums by more than 15% per year for any policyholder without exceptional justification, which must include specified evidence. Sets forth provisions concerning definitions; penalties; reimbursement of consumers; market conduct actions; Department approval of rate increases; and rulemaking. Effective immediately.

Maddy summarySenate Resolution 267 declares November 10-14, 2025, as "School Psychology Week." This resolution formally recognizes the contributions of school psychologists and aims to raise awareness about the vital services they provide to students, families, and schools.

Amends the Illinois Insurance Code. Creates the Rates Article. Provides that the Article may be cited as the Insurance Rate Fairness and Consumer Protection Law. Sets forth provisions requiring insurers to receive prior approval for rate changes from the Department of Insurance on and after January 1, 2028. Provides that no insurer shall increase premiums by more than 10% per year for any policyholder without exceptional justification. Requires the Department to conduct market conduct examinations of insurers at least once every 3 years to ensure compliance with the Article. Establishes penalty and enforcement provisions for violations of the Article. Provides that the Department may adopt rules necessary to implement and enforce the requirements of the Article. Effective January 1, 2028.

Creates the Nondriving Factors in Insurance Rate-Setting Study Act. Requires the Department of Insurance to conduct a comprehensive study of the use of nondriving factors in the setting of automobile and homeowners insurance premiums in Illinois. By January 1, 2027, requires the Department of Insurance to prepare and submit a report of its findings and recommendations to the President of the Senate, the Speaker of the House of Representatives, the Minority Leader of the Senate, and the Minority Leader of the House of Representatives. Provides that the Act is repealed on January 1, 2028. Effective immediately.

Amends the Illinois Insurance Code. Provides that no company shall impose renewal premium increases of more than 10% for policies of fire and extended coverage insurance to which specified provisions apply. In a provision prohibiting a company from making changes in deductibles or coverage for any policy forms applicable to certain lines of business unless the company provides a specified notice, adds delivery by electronic means as a method for providing that notice. Provides that no company may impose renewal premium increases of more than 10% for policies of automobile insurance to which specified provisions apply unless the company mails to the named insured written notice or delivers notice by electronic means of the change in premium or change in deductible or coverage at least 30 days prior to the renewal. Effective January 1, 2028.

Amends the Illinois Insurance Code. Creates the Insurance Rate Fairness and Consumer Protection Article. Provides that the Article may be cited as the Insurance Rate Fairness and Consumer Protection Law. Provides that rates shall not be excessive, inadequate, or unfairly discriminatory, as specified. Provides that companies issuing policies within the applicability of the Article shall not incorporate catastrophe or extreme event losses from other states into the development of Illinois rates if fully credible loss experience is available within the State of Illinois. Effective immediately.

Amends the Illinois Grant Funds Recovery Act to make a change concerning school maintenance project grants. Amends the Soybean Ink Act to make a change concerning school districts. Amends the School Code. Removes outdated provisions regarding social science learning standards and provisions regarding meeting minimum higher education preparation and admission requirements. Removes language providing that students who do not take the State's final accountability assessment or its approved alternate assessment may not receive a regular high school diploma unless the student is exempted from taking the State assessments. Prohibits a school board from discriminating against, punishing, or penalizing a student because the student's parents or guardians are unable to pay any required fees or fines for the loss of school property. Removes the requirement that all paper purchased by a board of education, public schools, and attendance centers for publication of student newspapers be recycled newsprint. Increases the age for when an individualized education program must include transition services. Removes the minimum hour requirements for training on concussions and on issues related to domestic and sexual violence. Removes the requirement that a police training academy job training program be open to all students and that participation be tracked. Creates the School Code Mandate Reduction Council. Makes changes concerning commemorative holidays. Renumbers and reorganizes the Course of Study Article and other provisions. Makes conforming and other changes in various Acts. Repeals various Sections of the School Code, the Voting by Minors Act, and the Critical Health Problems and Comprehensive Health Education Act. Effective immediately.

Amends the Criminal Code of 2012. Provides that a prosecution for involuntary servitude, involuntary sexual servitude of a minor, or trafficking in persons and related offenses may be commenced at any time (rather than within 25 years of the victim attaining the age of 18 years). Provides that this statute of limitations applies to prosecutions for such conduct arising on or after the effective date of the amendatory Act.

Amends the Illinois State Police Act. Creates the Police K-9 Care Program within the Illinois State Police to provide a stable funding source for the veterinary care for retired police dogs. Provides that Illinois State Police shall contract with a nonprofit corporation organized under State law to administer and manage the Program and shall select the nonprofit corporation through a competitive grant award process. Provides that a handler or adopter of a retired police dog is eligible for a grant of up to $1,500 in veterinary care reimbursement for the retired police dog. Provides that the Program will be funded through grants from the Police K-9 Care Fund, which shall be funded by gifts, appropriations, and a percentage of monetary forfeitures due to criminal activity. Limits the concurrent exercise of home rule powers relating to forfeitures. Provides requirements for the Program and the Fund. Requires the Illinois State Police to adopt rules necessary to implement the Police K-9 Care Program and the requirements of the Fund. Makes a conforming change in the State Finance Act. Some provisions take effect immediately and some provisions take effect one year after becoming law.

Amends the Illinois State Police Law. Provides that the Illinois State Police, in cooperation with the Golden Search Task Force, shall develop as part of the Endangered Missing Person Advisory a coordinated statewide awareness program and toolkit, which shall be referred to as the Golden Search, to be used when there is a missing person who is believed to be a person having a developmental disability or a person having an intellectual disability. Provides that the Illinois State Police shall complete development and deployment of the Golden Search Awareness Program and toolkit on or before July 1, 2026. Provides that the Illinois State Police shall establish a Golden Search Task Force within 90 days after the effective date of the amendatory Act to assist the Illinois State Police in development and deployment of the Golden Search Awareness Program and toolkit. Provides that the Task Force shall monitor and review the implementation and operation of that program, including procedures, budgetary requirements, standards, and minimum requirements for the training of law enforcement personnel on how to interact appropriately and effectively with individuals with developmental and intellectual disabilities. Sets forth membership of the Task Force. Provides that the Director of the Illinois State Police or the Director's designee shall serve as Chair of the Task Force. Provides that the Task Force shall meet at least twice a year and shall provide a report on the operations of the Golden Search Program to the General Assembly and the Governor each year by June 30th. Provides that the Child Safety Coordinator shall act in the capacity of Golden Search Program Coordinator in addition to the Child Safety Coordinator's other duties. Amends the Illinois Police Training Act. Provides that the Illinois Law Enforcement Training Standards Board shall conduct a training program for law enforcement personnel of local governmental agencies in the statewide coordinated Golden Search Awareness Program and toolkit. Provides that the Board shall adopt written protocols and guidelines for the handling of missing persons cases involving a person having a developmental disability or a person having an intellectual disability based upon protocols developed by the Golden Search Task Force in conjunction with the Illinois State Police on or before July 1, 2026.