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Misguided Insurance Regulation Proposals Could Increase Premiums For The Majority Of Illinoisans
Friday, Mar 21, 2025 - Posted by Advertising Department [The following is a paid advertisement.] Several bills proposed this legislative session seek to ban certain factors that insurance companies use to set fair and accurate insurance pricing for customers. The bills would ban the use of credit-based insurance scores, zip codes, age, and gender in insurance pricing. An op-ed published recently in the Chicago Tribune explains why such bans could cause insurance rates to rise for the majority of consumers. Case in point: When the use of credit was banned in Washington in 2021, more than 60 percent of Washington drivers saw an increase in their insurance premiums. Should similar legislation pass in Illinois, the majority of Illinoisians with better-than-average credit could see premium increases. With stubbornly high inflation and high property taxes, now is not the time to pass bills that could end up hiking insurance premiums for most Illinoisans. Click here to learn more.
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Stop Credit Card Chaos In Illinois
Friday, Mar 21, 2025 - Posted by Advertising Department [The following is a paid advertisement.] A last-minute provision called the Interchange Fee Prohibition Act (IFPA) was snuck into the budget process last May and will create chaos for small businesses and consumers across Illinois if it takes effect on July 1, 2025. The IFPA gives corporate mega-stores like Walmart and Home Depot — who pushed for this backroom deal — millions more in profits, while small business owners get new expenses and accounting headaches. What’s more, consumers could be forced to pay for parts of their transactions in cash if this law moves forward. A recent court ruling in the litigation challenging the law suggests IFPA is likely pre-empted by federal law for national banks and will only apply to credit unions and local Illinois banks, putting local banks at a disadvantage against their national competitors. Illinois lawmakers should repeal the IFPA and focus on protecting small businesses and consumers across the state — not lining the pockets of corporate mega-stores. Stop the countdown to chaos by supporting a repeal of this misguided and flawed policy. Learn more at https://guardyourcard.com/illinois/ 
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Intoxicating Hemp: No safety? No thanks!
Friday, Mar 21, 2025 - Posted by Advertising Department [The following is a paid advertisement.] A federal loophole has led to a booming gray market across Illinois for intoxicating hemp products, which use synthetics to alter the composition of hemp to get consumers high. This is happening outside the structure of the state’s legal cannabis industry. This means intoxicating hemp faces NO quality testing, NO age restrictions, NO packaging requirements, NO potency rules, and NO taxes to fund programs in communities impacted by the War on Drugs. Most intoxicating hemp products aren’t even produced in Illinois. By contrast, Illinois cannabis businesses face extensive rules and regulations to operate, with products tracked from seed to sale. When consumers purchase legal cannabis grown and processed in Illinois, they know their products are safe. Hemp and cannabis come from the same plant. Both products can get users high. Why the different rules? Illinois already has a system in place to regulate hemp – it’s called the Cannabis Regulation and Tax Act. It’s time for Illinois to close the intoxicating hemp loophole.
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What Is A Credit Union?
Thursday, Mar 20, 2025 - Posted by Advertising Department [The following is a paid advertisement.] 
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Nursing Home Residents Have Waited 14 Years For Safe Staffing—Lawmakers Must Hold the Line
Thursday, Mar 20, 2025 - Posted by Advertising Department [The following is a paid advertisement and has been updated at the advertiser’s request.] Advocates for senior care and nursing home frontline workers have been fighting for over 14 years to hold the nursing home industry in Illinois accountable for safe staffing levels. Lawmakers established legal requirements for safe staffing levels, only to have nursing homes routinely ignore them. Then these legal limits were bolstered with enforcement measures—but the worst actors in the industry continue to staff at dangerously low levels. In fact, Illinois is worst in the country with the largest gap between care hours needed and care hours actually provided. Dead last among states. And now after 14 years of time and again receiving warnings and incentives and second, third and tenth chances to staff at the legally required levels, the industry began accruing fines in January that are actually substantial enough to take the profit motive out of short staffing. The industry’s response? HB 2922—designed to once again water down the existing fines and enforcement measures so they can continue to shortchange vulnerable seniors. This is despite the over $3 billion that Illinois pays to nursing homes annually for resident care—including hundreds of millions of dollars specifically earmarked to bolster direct care staffing levels. It’s time for lawmakers hold firm and let the nursing home industry know that in Illinois, care comes first—not nursing home profits. Oppose HB 2922—because safe, dignified, accountable nursing home care can’t wait.
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