SB 2951 Illinois Senate · 104th Regular Session

MORTGAGE FORECLOSURE TIME

Summary

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.

Bill status signed all 5 stages cleared

Introduction

Apr 2026

Committee Review

May 2026

Senate Passage

May 2026

House Passage

May 2026

Signed into Law

Aug 2026

Introduced Apr 17, 2026 Signed Aug 21, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed → Enrolled · 2 edits · Aug 21, 2026

MINOR

The primary change is the removal of the section that amended the Probate Act regarding the sale or mortgage of real estate, effectively deleting those specific amendments from the final enrolled version of the bill. Additionally, minor formatting adjustments were made to the text of the statute concerning the statute of limitations for wage claims.

Scope change

The bill's scope was reduced by removing the provisions intended to amend the Probate Act.

REQUIREMENT

Deleted the amendment to Section 20-6 of the Probate Act, which previously authorized courts to resolve title disputes, remove liens, and manage homestead exemptions during property sales.

TECHNICAL

Adjusted spacing and punctuation in the statute of limitations section for wage claims.

Floor votes · Senate Apr 16, 2026 · House May 21, 2026

How they voted

55–0

Passed · 3 other

Total votes 58

Apr 16, 2026

D Democratic39

36 Yea 3

92% Yea

R Republican19

19 Yea

100% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Aug 21, 2026

Signed into law

Governor Approved

upper

May 31, 2026

Upper · Passed

Passed Both Houses

upper

May 31, 2026

Upper · Passed

House Committee Amendment No. 1 Senate Concurs 058-000-000

upper

May 29, 2026

Upper · Passed

House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000

upper

May 28, 2026

Committee

House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary

upper

May 28, 2026

Committee

House Committee Amendment No. 1 Motion to Concur Referred to Assignments

upper

May 22, 2026

Introduced

Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026

upper

May 22, 2026

Introduced

Secretary's Desk - Concurrence House Amendment(s) 1

upper

May 21, 2026

Lower · Passed

Third Reading - Short Debate - Passed 108-000-000

lower

May 13, 2026

Lower · Passed

Do Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000

lower

May 13, 2026

Lower · Passed

House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice Vote

lower

May 12, 2026

Lower · Passed

House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee

lower

May 8, 2026

Committee

House Committee Amendment No. 1 Referred to Rules Committee

lower

May 8, 2026

Introduced

House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel Didech

lower

May 7, 2026

Lower · Passed

Committee Deadline Extended-Rule 9(b) May 15, 2026

lower

Apr 27, 2026

Committee

Assigned to Judiciary - Civil Committee

lower

Apr 17, 2026

Committee

Referred to Rules Committee

lower

Apr 17, 2026

Introduced

Arrived in House

lower

Apr 16, 2026

Upper · Passed

Third Reading - Passed; 056-000-000

upper

Mar 11, 2026

Upper · Passed

Do Pass Judiciary; 009-000-000

upper

Feb 3, 2026

Committee

Assigned to Judiciary

upper

Feb 3, 2026

Committee

Referred to Assignments

upper

2 primary · 3 co-sponsors