SB 316 Illinois Senate · 104th Regular Session

BUSINESS-TECH

SB 316 amends the Payday Loan Reform Act by updating the technical wording of the section that establishes the law's official short title. This change does not alter any regulations, fees, or requirements for payday lenders or borrowers. The bill only affects how the law is referenced in legal documents and has no impact on existing consumer protections or industry rules. It is a routine administrative adjustment with no practical effect on the law's enforcement or application.

Bill status passed 3 of 5 stages cleared

Introduction

May 2026

Committee Review

May 2026

Senate Passage

May 2026

House Passage

Governor

Introduced May 21, 2026 Last action Jun 15, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 5 edits · May 21, 2026

MODERATE

The bill was completely rewritten to replace the Payday Loan Reform Act with a new Artificial Intelligence Companion Model Safety Act. This new law establishes strict safety requirements for AI products designed to simulate human relationships, focusing on preventing self-harm and ensuring users know they are interacting with a machine.

Scope change

The bill's scope shifted entirely from regulating payday loans to regulating artificial intelligence companions. It specifically targets AI products that simulate sustained human relationships while excluding standard customer service bots, educational tools, and voice assistants.

DEFINITION

Added specific definitions for 'artificial intelligence companion,' 'operator,' 'user,' and 'self-harm' to clarify which products and people the law covers.

REQUIREMENT

Mandated that operators implement protocols to detect and address suicidal ideation or self-harm, including notifying users of crisis resources.

Required operators to clearly notify users that they are communicating with an automated system, not a human, at the start of every interaction and every three hours.

Prohibited AI companions from claiming to be human or generating outputs that contradict the disclosure that the system is automated.

SCOPE

Removed all provisions related to the Payday Loan Reform Act and short title changes for that specific legislation.

Floor votes · Senate May 21, 2026

How they voted

56–0

Passed · 2 other

Total votes 58

May 21, 2026

D Democratic39

37 Yea 2

94% 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

May 31, 2026

Committee

Rule 19(a) / Re-referred to Rules Committee

lower

May 21, 2026

Lower · Passed

Committee/Final Action Deadline Extended-9(b) May 31, 2026

lower

May 21, 2026

Committee

Assigned to Executive Committee

lower

May 21, 2026

Committee

Referred to Rules Committee

lower

May 21, 2026

Introduced

Arrived in House

lower

May 21, 2026

Upper · Passed

Third Reading - Passed; 057-000-000

upper

May 21, 2026

Upper · Passed

Senate Floor Amendment No. 3 Adopted; Ellman

upper

May 21, 2026

Upper · Passed

Senate Floor Amendment No. 2 Adopted; Ellman

upper

May 21, 2026

Introduced

Senate Floor Amendment No. 3 Be Approved for Consideration Assignments

upper

May 20, 2026

Introduced

Senate Floor Amendment No. 2 Recommend Do Adopt Executive; 012-000-000

upper

May 20, 2026

Committee

Senate Floor Amendment No. 3 Referred to Assignments

upper

May 20, 2026

Introduced

Senate Floor Amendment No. 3 Filed with Secretary by Sen. Laura Ellman

upper

May 20, 2026

Introduced

Senate Floor Amendment No. 2 Assignments Refers to Executive

upper

May 19, 2026

Committee

Senate Floor Amendment No. 2 Referred to Assignments

upper

May 19, 2026

Introduced

Senate Floor Amendment No. 2 Filed with Secretary by Sen. Laura Ellman

upper

May 13, 2026

Introduced

Senate Floor Amendment No. 1 Recommend Do Adopt Executive; 013-000-000

upper

May 12, 2026

Introduced

Senate Floor Amendment No. 1 Assignments Refers to Executive

upper

May 11, 2026

Committee

Senate Floor Amendment No. 1 Referred to Assignments

upper

May 11, 2026

Introduced

Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura Ellman

upper

Apr 11, 2025

Committee

Rule 3-9(a) / Re-referred to Assignments

upper

Mar 19, 2025

Upper · Passed

Do Pass Executive; 011-000-000

upper

Mar 12, 2025

Committee

Assigned to Executive

upper

Jan 24, 2025

Committee

Referred to Assignments

upper

2 primary · 14 co-sponsors