Sen. Karina Villa records 26 floor votes in Illinois Senate on May 14, 2026
By R. M. Hummel
On Thursday, May 14, 2026, Sen. Karina Villa (D-25th) participated in 26 recorded floor votes during the 104th General Assembly of the Illinois Senate, voting Yes on each measure.
Among these, Villa voted Yes on HB5290, legislation aimed at revamping oversight of Illinois sales finance agencies, which gained Senate approval. The Illinois General Assembly describes the bill's official language as: "SALES FINANCE AGENCY-VARIOUS."
This overview is based on the text of the bill and intended to clarify significant provisions.
The bill introduces extensive reforms to the regulation of Illinois sales finance agencies. It updates the definition of key terms, outlines a structured process for obtaining and renewing licenses, and shifts application submissions to the Nationwide Multistate Licensing System and Registry. Additional requirements include specific net worth and bonding thresholds, a ban on operating under secret names, and an obligation to maintain records for at least two years. The secretary of financial and professional regulation is granted expanded powers to investigate, examine, issue subpoenas, serve cease-and-desist orders, levy fines up to $25,000 per violation, and pursue civil penalties up to $10,000 through the courts. Further stipulations prohibit agencies from abetting violations of state retail installment sales regulations, broaden confidentiality and data-sharing provisions, enable civil actions by consumers, and enact the law immediately.
The other measures Villa supported that day were HB5384, HB5316, HB5070, HB4464, HB4560, HB5480, HB4747, HB4896, HB5047, HB4206, HB4247, HB4421, HB4541, HB4575, HB4620, HB4754, HB4770, HB4977, HB5148, HB5285, HB5376, HB5474, SB2524, SB3290, and SB3114.
Villa, a member of the Democratic Party, assumed her seat in the Illinois State Senate in 2021 after being elected to represent the 25th Senate District, succeeding Jim Oberweis.
The path of a bill in Illinois involves a multi-stage process that starts with introduction, proceeds to committee consideration, floor debate, and votes in both the House and Senate, and culminates in gubernatorial approval or veto. The General Assembly convenes on a biennial cycle; only a proportion of the thousands of introduced bills ultimately become law after passing through this sequence.
For further details about bills and legislative activity, visit this page.
Floor Votes Recorded By Sen. Karina Villa
| Bill | Description | Vote | Outcome | Chamber tally |
|---|---|---|---|---|
| HB5290 | Amends the Sales Finance Agency Act. Makes changes to defined terms. Provides that applicants for a license shall apply in a form prescribed by the Secretary of Financial and Professional Regulation. Prohibits any person, partnership, association, corporation, limited liability company, or other entity engaged in a business regulated by the Act from operating the business under a name other than the real names of the entity and individuals conducting the business. Grants the Secretary authority to issue a license upon completion of the specified filing and investigatory requirements. Sets forth further licensing requirements. Provides that all moneys received by the Secretary under the Act in conjunction with the provisions relating to sales finance agencies shall be paid into the Financial Institution Fund. Prohibits a sales finance agency from aiding or seeking to aid any person in the violation of the Retail Installment Sales Act or the Motor Vehicle Retail Installment Sales Act. Grants additional investigatory, disciplinary, and examination authority to the Secretary. Establishes rulemaking provisions. Grants the Department authority to adopt rules to provide for review within the Department of the Secretary's decisions affecting the rights of persons or entities under the Act. Allows the Secretary to request a circuit court to assess a civil penalty of up to $10,000 (rather than $1,000) for violations of the Act. Repeals various provisions of the Act. Makes other changes. Effective immediately. | Yes | Passed | 36-19 |
| HB5384 | Amends the Currency Exchange Act. Removes provisions requiring the Secretary of Financial and Professional Regulation to investigate a currency exchange business at least once in each year and to review and report on the cost of operation of the Currency Exchange Section. Establishes fee-setting provisions for the administration of the Act. Amends the Sales Finance Agency Act, the Consumer Installment Loan Act, and the Safety Deposit License Act. Makes changes to the authority of the Secretary and the Director of the Division of Financial Institutions to examine and investigate a business to determine if it is in compliance with those Acts. Establishes fee-setting provisions for the administration of those Acts. Amends the Debt Management Service Act, the Debt Settlement Consumer Protection Act, and the Payday Loan Reform Act. Establishes fee-setting provisions for the administration of those Acts. Makes other changes. Effective immediately. | Yes | Passed | 38-19 |
| HB5316 | Amends the Nuclear Safety Law of 2004. Provides that the Illinois Emergency Management Agency and Office of Homeland Security has the right to enter on public and private property in order to take environmental samples in response to a disaster that causes radioactive contamination. Effective immediately. | Yes | Passed | 44-13 |
| HB5070 | Amends the Environmental Protection Act. In provisions concerning the regulation of air pollution, water pollution, drinking water, hazardous waste, and landfills, provides that the Illinois Pollution Control Board shall not adopt any standards that are less stringent than those existing in Board regulations. Provides that various provisions of the Act shall not be construed to limit the right of a person to submit to the Board, or for the Board to adopt, regulations more stringent than the regulations promulgated by the Administrator of the United States Environmental Protection Agency. | Yes | Passed | 45-11 |
| HB4464 | Amends the Illinois Insurance Code. Prohibits an insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance on or after the effective date of the amendatory Act from requiring a dental care provider to only accept payment from a credit card or electronic funds transfer, in addition to the existing prohibition on incurred fees to access and obtain payment or reimbursement for services provided. Provides that any insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance may initiate or change payment methodology to a dental care provider using electronic funds transfer payments, including virtual credit card payments, if the specified conditions are met. Sets forth provisions concerning claim payment methodologies and fees for transmitting payments. Provides that the specified dental coverage reimbursement provisions shall not be waived by contract. Effective January 1, 2027. | Yes | Passed | 55-0 |
| HB4560 | Amends the State Treasurer Act. Provides that the State Treasurer may bring a claim against a warrantor of a draft for breach of a presentment warranty to recover State funds in accordance with the Uniform Commercial Code. Provides that a claim brought by the State Treasurer is not subject to the limitations provided for in those provisions of the Uniform Commercial Code. Provides that the amendatory changes are declaratory of existing law. Effective immediately. | Yes | Passed | 57-1 |
| HB5480 | Amends the Fire Investigation Act. Directs the Office of the State Fire Marshal to investigate the cause, origin, and circumstances of a fire or an explosion in which fire is presumed to be a contributing factor in a death, and lists related procedures and requirements. Provides that the reporting of fires, hazardous material incidents, and other incidents shall be based upon the nationally recognized standards of the United States Fire Administration's National Emergency Response Information System (rather than the National Fire Incident Reporting System). Effective immediately. | Yes | Passed | 57-1 |
| HB4747 | Amends the Mental Health and Developmental Disabilities Administrative Act. Delays the implementation date for the direct support professional credential pilot program to State Fiscal Year 2028 (rather than 2025). Effective immediately. | Yes | Passed | 57-0 |
| HB4896 | Amends the Code of Civil Procedure. Establishes a process for a tenant in common or tenants in common who have inherited real property under the intestate provisions of the Probate Act of 1975 to obtain legal title to that property. Provides that the petitioner or petitioners must have been in actual possession for 7 years and have paid all taxes on the property during those 7 years. Requires that the petitioner or petitioners must file a signed declaration with the recorder of deeds at least 2 years before an action under the new provisions may be commenced stating intent to acquire title using the process under the new provisions, send notice to any other person or persons with an ownership interest in the property, and publish a notice of the action in a newspaper of general circulation in the jurisdiction where the property is located. Permits persons with ownership to oppose the petition. Makes other changes. | Yes | Passed | 57-0 |
| HB5047 | Amends the Assisted Living and Shared Housing Act, the MC/DD Act, and the ID/DD Community Care Act. Provides that notice of closure of an establishment or facility licensed under those Acts shall be given to the Office of the State Long Term Care Ombudsman. | Yes | Passed | 57-0 |
| HB4206 | Creates the Charitable Organization Beneficiary Act. Requires a holder of property in which a charitable organization that is exempt from taxation as a 501(c)(3) entity is a designated beneficiary in a nonprobate instrument (excluding wills or trusts) to notify each charitable organization within 30 business days that it may have a right to the property. Creates a process in which the charitable organization may request that it be given information about the property or that the property be delivered to the charitable organization or both. Provides duties and obligations of the holder of the property. Provides the holder of the property protection from liability for a good faith reliance on the information it receives from a designated beneficiary. Provides remedies against a holder of property for a failure or refusal to provide the requested information or transfer of property if the provisions of the Act are followed. Defines terms. | Yes | Passed | 58-0 |
| HB4247 | Amends the School Code. In provisions concerning the administration of asthma medication, epinephrine injectors, opioid antagonists, and oxygen, provides that "trained personnel" includes athletic coaches and trainers. Allows a pupil with asthma to self-administer and self-carry the pupil's asthma medication at a school-sponsored athletic practice or game. Allows a school nurse or trained personnel to administer undesignated asthma medication to a person at a school-sponsored athletic practice or game. Requires a school district, public school, charter school, or nonpublic school to maintain a supply of asthma medication in a secure location that is accessible before, during, and after school where a person is most at risk on account of physical activity. Requires at least one member of an athletic coach's staff at a school and any athletic trainers at that school to complete the training curriculum relating to the administration of undesignated asthma medication. | Yes | Passed | 58-0 |
| HB4421 | Amends the Illinois State University Law. Repeals a provision regarding the Illinois Institute for Entrepreneurship Education. | Yes | Passed | 58-0 |
| HB4541 | Amends the Revised Uniform Unclaimed Property Act. Includes within the definition of "property" any overpayment made by any person to a government, governmental subdivision, agency, or instrumentality, including, but not limited to, a payment for any tax, license, or fee that was made in excess of the amount ultimately required of the payor. Provides that the changes made by the amendatory Act is a restatement and clarification of existing law. Effective immediately. | Yes | Passed | 58-0 |
| HB4575 | Amends the Chicago Teacher Article of the Illinois Pension Code. In a provision concerning trustees elected by contributors who are not administrators, provides that candidacy petitions shall be filed with the recording secretary of the Fund on or before October 1st of the election year (instead of on or after September 15 of each year and not later than October 1st of that year). Effective immediately. | Yes | Passed | 58-0 |
| HB4620 | Amends the Mental Health and Developmental Disabilities Administrative Act and the Rehabilitation of Persons with Disabilities Act. Required the Department of Human Services to provide informational materials about the Senator Scott Bennett ABLE Program to: persons who are placed in a facility licensed under the ID/DD Community Care Act, the MC/DD Act, or the Specialized Mental Health Rehabilitation Act of 2013; persons with disabilities who receive services funded by or administered in conjunction with the Department, including, but not limited to, home and community based services, home-based support services, PUNS services, home care services, and services at a Center for Independent Living. Provides that the informational materials shall be provided when a person first enrolls for such services and as part of any annual process required for the person to maintain eligibility for such services. Requires the Office of the State Treasurer to prepare and deliver the informational materials in an electronic format to the Department and distribute the materials to eligible persons. | Yes | Passed | 58-0 |
| HB4754 | Amends the Know Before You Owe Private Education Loan Act. Provides that the annual report to the Department of Financial and Professional Regulation and the Student Loan Ombudsman shall include the total number and dollar amount (instead of the volume) of private education loans made annually by a private educational lender, the total number and dollar amount (instead of the volume) of private education loans made annually at institutions of higher education, the total number and dollar amount of private education loans made annually with a cosigner, and the default rate for the private education loans reported by the private educational lender pursuant to specified provisions for the previous reporting period. Effective immediately. | Yes | Passed | 58-0 |
| HB4770 | Amends the Illinois Credit Union Act. Provides that the business office for a credit union's registered agent may, but is not required to, be (instead of shall be) the same as the principal place of business of the credit union. In provisions concerning meetings of directors, sets forth provisions concerning the preparation and approval of meeting minutes. Adds provisions concerning disclosure and due diligence requirements for credit unions when providing digital asset services or contracting with a covered person or digital asset service provider and provisions concerning sales of debt cancellation services and products by a credit union to its members. In provisions concerning the investment of funds not used in loans, provides that the funds may be invested in commercial mortgage related securities and collateralized mortgage obligations to aid in the credit union's management of its assets, liabilities, and liquidity. Effective immediately. | Yes | Passed | 58-0 |
| HB4977 | Amends the Hospital Licensing Act. Defines "pathogens of epidemiological concern". Provides that each hospital shall develop and implement comprehensive interventions to prevent and control pathogens of epidemiological concern (instead of multidrug-resistant organisms) that take into consideration guidelines of the U.S. Centers for Disease Control and Prevention or recommendations from the Infectious Disease Society of America, the Society for Healthcare Epidemiology of America, the Association for Professionals in Infection Control and Epidemiology, or the Pediatric Infectious Disease Society for the management of multidrug-resistant organisms in health care settings. Within 12 months after the effective date of the amendatory Act, requires each hospital to adopt a policy for preventing and controlling the transmission of pathogens of epidemiological concern. Establishes reporting requirements for hospitals with patients carrying pathogens of epidemiological concern. Repeals the MRSA Screening and Reporting Act. | Yes | Passed | 58-0 |
| HB5148 | Amends the Illinois Controlled Substances Act. Provides that each prescriber or the prescriber's designee shall document an attempt to access patient information in the Prescription Monitoring Program to assess patient access to controlled substances when providing a (rather than an initial) prescription for Schedule II and IV controlled substances (rather than narcotics such as opioids), except for prescriptions for oncology treatment or palliative care, or a 7-day or less supply provided by a hospital emergency department when treating an acute, traumatic medical condition. | Yes | Passed | 58-0 |
| HB5285 | Amends the Radioactive Waste Storage Act. Provides that interest earned by the investment or deposit of moneys accumulated in the fund pursuant to the settlement agreement in the matter of the State of Illinois, et al. v. Teledyne, Inc., shall be deposited into the Radioactive Waste Site Perpetual Care Fund for the continued maintenance of the Sheffield Low-Level Radioactive Waste Site and the surrounding buffer zone. Effective immediately. | Yes | Passed | 58-0 |
| HB5376 | Amends the Mine Subsidence Insurance Article of the Illinois Insurance Code. Makes changes to defined terms. Provides that the moneys in the Illinois Mine Subsidence Insurance Fund shall be derived primarily from premiums for mine subsidence insurance ceded by insurers to the Fund pursuant to the Article and from investment income. In establishing mine subsidence insurance premium rates, provides that the Fund shall give due consideration to factors reasonably considered by an insurer when setting premium rates. Changes terms related to the appointment of directors in provisions concerning management of the Fund and establishes 3-year staggered terms for the directors. Provides that all directors shall be independent and owe a duty of care and duty of loyalty to the Fund. In provisions concerning mine subsidence coverage, provides that the loss covered shall be the loss in excess of any applicable deductible or retention in the policy, subject to the limit of insurance for mine subsidence damage stated in the policy. For all policies issued or renewed on or after January 1, 2027, provides that there shall be no deductible or retention applicable to mine subsidence damage. For all policies issued or renewed on or after the effective date of the amendatory Act, provides that the maximum amount of reinsured loss per residence, per commercial building, and per living unit shall be the amounts established by the Fund and approved by the Director. Provides that the residential and living unit coverage provided under the Article may also cover specified costs of debris removal, moving and storage of contents, and repair or replacement of landscaping. Makes changes in provisions concerning division of the Fund; exemptions; rights of insurers to refuse to provide mine subsidence coverage; arbitration; reinsurance agreements; distribution of premiums; reporting requirements; right of recourse and setoffs; subrogation; and powers of the Director of Insurance. | Yes | Passed | 58-0 |
| HB5474 | Amends the Responsible Outdoor Lighting Control Act. Provides that all new luminaires purchased or installed after June 30, 2032, must have a correlated color temperature less than or equal to 2,700 Kelvin. Provides that the act does not apply if it is necessary to use uplighting for statuary lighting and historical façade lighting. In cases where uplighting is the only viable solution for these items, the lighting should have a color corrected temperature of no more than 2,700 degrees Kelvin, must be minimized to no more than 25% above ANSI/IES standards, must exceed an illuminance of one lux as measured at ground level both horizontally and vertically at the property boundary, and must be extinguished every night no later than 12:00 a.m. Provides that, after January 1, 2027, any new placement or replacement of uplighting of State historic statuary and State historical facade lighting shall be approved by the State Historic Preservation Office. Makes other changes. | Yes | Passed | 58-0 |
| SB2524 | Amends the Illinois Vehicle Code. Allows an applicant for a driver's license to submit, with the application for a driver's license, documentation confirming an intellectual disability or autism spectrum disorder so such information may be included on the person's driver's license. Provides that any such documentation is confidential. Defines "autism spectrum disorder" and "intellectual disability". | Yes | Passed | 58-0 |
| SB3290 | Amends the Cycle Rider Safety Training Act. Provides that any business registered as a motorcycle dealer with the Secretary of State or any other business that derives income from the selling of motorcycles or has motorcycles for sale at its place of business on a consignment basis is not eligible for grant funds or reimbursements. Makes conforming changes. | Yes | Passed | 58-0 |
| SB3114 | Creates the Transparency in Downcoding Act. Provides that the Act applies to certain policies of health insurance amended, delivered, issued, or renewed on or after the effective date of the Act, except for employee or employer self-insured health benefit plans under the federal Employee Retirement Income Security Act of 1974 and health care provided pursuant to the Workers' Compensation Act or the Workers' Occupational Diseases Act. Prohibits a health insurance issuer from using an automated process, system, or tool to downcode a claim; from downcoding a claim based solely on the reported diagnosis codes; and from using downcoding practices in a targeted or discriminatory manner against physicians who routinely treat patients with complex or chronic conditions. Requires downcoding decisions to be made by a physician licensed to practice medicine in all its branches in any United States jurisdiction and of the same or similar specialty as a physician who typically manages the medical condition or disease. Sets forth provisions concerning notification requirements for downcoded claims; the appeal process for downcoded claims; enforcement by the Department of Insurance; and penalties. Provides that any pattern or practice of discriminatory downcoding identified by the Director of Insurance or another regulatory authority shall be subject to enforcement actions, including fines, restitution, or suspension of the health insurance issuer's license in this State. Effective immediately. | Yes | Passed | 59-0 |