Illinois · Senate Bill 2951 · 104th General Assembly

MORTGAGE FORECLOSURE TIME

SB 2951 Sponsored by Robert F. Martwick Became law

  1. Introduced Feb 3, 2026
  2. In committee Feb 3, 2026
  3. Passed the Senate Apr 16, 2026
  4. Passed the House May 21, 2026
  5. To the governor Jun 29, 2026
  6. Became law Aug 21, 2026

What it does

The legislature's own summary of the bill, or its official long title.

Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured…

Read the full title (108 words)

Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured creditors' approval to accept partial satisfaction; and if the secured creditors cannot be satisfied in full, a sale of the property is not considered necessary for the proper administration of the estate. Effective immediately.

Every action

43 steps, oldest first, as the legislature records them.

Show the 35 earlier steps
  1. SenateFiled with Secretary by Sen. Robert F. Martwick
  2. SenateFirst Reading
  3. CommitteeReferred to Assignments · Senate Assignments
  4. CommitteeAssigned to Judiciary · Senate Judiciary
  5. CommitteePostponed - Judiciary · Senate Judiciary
  6. CommitteePostponed - Judiciary · Senate Judiciary
  7. CommitteeDo Pass Judiciary; 009-000-000 · Senate Judiciary
  8. SenatePlaced on Calendar Order of 2nd Reading March 12, 2026
  9. SenateSecond Reading
  10. SenatePlaced on Calendar Order of 3rd Reading March 24, 2026
  11. SenateAdded as Co-Sponsor Sen. Andrew S. Chesney
  12. SenateThird Reading - Passed; 056-000-000
  13. SenateAdded as Chief Co-Sponsor Sen. Jason Plummer
  14. HouseArrived in House
  15. HouseChief House Sponsor Rep. Daniel Didech
  16. HouseFirst Reading
  17. CommitteeReferred to Rules Committee · House Rules
  18. CommitteeAssigned to Judiciary - Civil Committee · House Judiciary - Civil
  19. HouseCommittee Deadline Extended-Rule 9(b) May 15, 2026
  20. HouseHouse Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech
  21. CommitteeHouse Committee Amendment No. 1 Referred to Rules Committee · House Rules
  22. CommitteeHouse Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee · House Judiciary - Civil
  23. CommitteeHouse Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote · House Judiciary - Civil
  24. CommitteeDo Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000 · House Judiciary - Civil
  25. HousePlaced on Calendar 2nd Reading - Short Debate
  26. HouseSecond Reading - Short Debate
  27. HouseHeld on Calendar Order of Second Reading - Short Debate
  28. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  29. HouseThird Reading - Short Debate - Passed 108-000-000
  30. SenateSecretary's Desk - Concurrence House Amendment(s) 1
  31. SenatePlaced on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026
  32. SenateHouse Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. Martwick
  33. CommitteeHouse Committee Amendment No. 1 Motion to Concur Referred to Assignments · Senate Assignments
  34. CommitteeHouse Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary · Senate Assignments
  35. CommitteeHouse Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000 · Senate Judiciary
  1. SenateHouse Committee Amendment No. 1 Senate Concurs 058-000-000
  2. SenateSenate Concurs
  3. SenatePassed Both Houses
  4. SenateAdded as Co-Sponsor Sen. Chris Balkema
  5. SenateSent to the Governor
  6. SenateGovernor Approved
  7. SenateEffective Date August 21, 2026
  8. SenatePublic Act . . . . . . . . . 104-0842

Roll calls

6 recorded votes: 3 on the floor, 3 in committee. Each shows how every member voted.

Third Reading · Full Senate

Passed 56–0
Apr 16, 2026 · journal entry
Yes 56 No 0 Not voting 3
Democrats: 37 yes, 0 no Republicans: 19 yes, 0 no
How each member voted

Yes · 56

Not voting · 3

Third Reading · Full House

Passed 108–0
May 21, 2026 · journal entry
Yes 108 No 0 Not voting 10
Democrats: 70 yes, 0 no Republicans: 38 yes, 0 no
How each member voted

Yes · 108

Not voting · 3

Excused · 7

House Committee Amendment No. 1 - Concurrence · Full Senate

Passed 58–0
May 31, 2026 · journal entry
Yes 58 No 0 Not voting 1
Democrats: 40 yes, 0 no Republicans: 18 yes, 0 no
How each member voted

Yes · 58

Not voting · 1

Committee and other votes

DateWhereQuestionResult
Mar 11, 2026 Senate Judiciary Judiciary - Do Pass
Members

Yes · 9

 Passed 9–0
May 13, 2026 House Judiciary - Civil Judiciary - Civil - Do Pass As Amended
Members

Yes · 20

 Passed 20–0
May 29, 2026 Senate Judiciary House Committee Amendment No. 1 - Judiciary - Recommend Do Adopt
Members

Yes · 6

Not voting · 3

 Passed 6–0

Sponsors

The member who introduced it, joined by 3 cosponsors: 3 Republicans.

All 3 cosponsors

From Illinois's official records (www.ilga.gov), checked Nov 13, 2026. Text links go to the official versions; LegiList does not copy bill text.