Laws Protect Residents from Risky Home Loans and "Debtor's Prison"

CHICAGO - July 25, 2012. Governor Pat Quinn continued his long history of fighting for consumers today by signing two new laws to help Illinois residents avoid risky home loans and protect those who are in debt from being unfairly sent to jail. The new laws increase protections for families from High Risk Home Loans and Refund Anticipation Loans and also establish stringent new guidelines before a borrower can be sent to jail following non-payment of debt.

"Illinois consumers deserve the strongest protections possible from predatory lenders and unfair collection practices," Governor Quinn said. "These new laws will help consumers and empower Illinois families with a better understanding of lending and debt collection."

Senate Bill 1692, sponsored by Sen. Jacqueline Collins (D-Chicago) and Rep. Michael Zalewski (D-Summit), makes clear to borrowers the definition of a risky home loan to prevent families from falling into the trap of debt. The law brings Illinois up to federal standards by clarifying and streamlining the definition of a high risk home loan to meet federal guidelines. The law also sets limits on fees and penalties that may be charged when a loan is issued, and prohibits any mortgage from containing pre-payment penalties if a loan is paid off before its term ends.

In addition, Senate Bill 1692 limits how much a taxpayer who is seeking a check or loan tied to their federal and state tax refunds can be charged. Companies that offer such loans will be required to post notices to their customers reminding the taxpayer that if a tax return is filed electronically, any refund owed can be deposited directly into their personal account within eight to 15 days at no cost to the taxpayer. SB 1692 goes into effect Jan. 1.

Also today, Governor Quinn signed House Bill 5434, sponsored by Rep. Ann Williams (D-Chicago) and Sen. William Haine (D-Alton), which codifies and clarifies best practices for the post-judgment collection of debts. The law will ensure that debt collectors and lenders provide evidence that there might be unprotected assets available to repay the debt before sending the debtor to jail. This law is designed to ensure that no Illinois residents are incarcerated as a result of being subject to a payment order they cannot afford, or for missing a hearing for which they did not receive notice.

Initiated by Attorney General Lisa Madigan, the measure was developed after Illinois officials found evidence that customers of licensed consumer lenders were unfairly being sent to jail because of their debt. Testimony from public hearings hosted by the Illinois Department of Financial and Professional Regulation (IDFPR) in Alton and Marion earlier this year showed that lenders and creditors have been distorting and exploiting the court system to collect debts.

HB 5434 goes into effect immediately. For more information on debtor's prison, visit www.idfpr.com.

 

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New Laws to Support Law Enforcement and Protect Court Officers

CHICAGO - July 24, 2012. As part of his ongoing efforts to increase public safety in Illinois, Governor Pat Quinn today signed two new laws that will help law enforcement crack down on drug crime and protect members of the justice system. The governor signed the new laws at the Illinois State Police Forensics Labs in Chicago and was joined by members of Illinois' law enforcement community who support the new laws, including the Illinois State Police, the Chicago Police Department, and numerous state's attorneys.

Governor Quinn has signed several new laws this summer to crack down on crime and strengthen public safety, including one that empowers law enforcement to prosecute street gangs as organized crime and a law guarding against sex offenders by requiring park districts to perform employee background checks.

"The men and women who protect us from crime every day need the tools to do their jobs effectively," Governor Quinn said. "These laws will help law enforcement get more criminals off the street and protect the members of our judicial system as they carry out justice for the people of Illinois."

House Bill 4081, sponsored by Rep. Jehan Gordon (D-Peoria) and Sen. Bill Haine (D-Alton), creates an exemption in Illinois' eavesdropping statute which allows State's Attorneys to give prior approval for the recording of individuals whom law enforcement suspects will commit a drug crime. The evidence obtained in these recordings may be used only in the prosecution of drug crimes or forcible felonies committed during the investigation of a drug crime. Current law allows law enforcement to obtain a court order to record a drug crime, but delays in that process in the past have resulted in missed crimes. This law is also a safeguard for undercover officers who may require immediate assistance when their lives are in danger.

"As a former State's Attorney for Madison County, I know this law will be invaluable in reducing the drug crime that plagues our communities," Sen. Haine said.

This legislation will strengthen the justice system by allowing more credible evidence into criminal proceedings. Judges and juries will be able to hear the actual conversations of those suspected of committing drug crimes, rather than relying on witness testimony that can be unreliable. Prosecutors and defense attorneys will also have more evidence to consider while negotiating plea agreements, which reduce the burden upon the criminal justice system. This new process allows Illinois law enforcement the same flexibility in crime situations as the Federal Bureau of Investigation, the Drug Enforcement Administration and law enforcement in surrounding states. The law is effective January 1.

House Bill 5877, sponsored by House Speaker Michael Madigan (D-Chicago) and Senate President John Cullerton (D-Chicago), creates the Illinois Judicial Privacy Act, which prohibits individuals, businesses, associations or government agencies from posting a judicial officer's personal information if that officer has requested in writing that it be removed. Upon receipt of the request, government agencies must remove information that is publicly available within five business days. Individuals, associations and businesses must remove the information within 72 hours. A person who posts personal information knowing that it could pose a threat to the health or safety of a judicial officer or his/her immediate family and which is a proximate cause of injury or death would be guilty of a Class 3 felony.

This legislation is an initiative of the Illinois Judges Association, which has found threats to judges rising steadily over the past decade. It was designed in response to the murder of the mother and husband of U.S. District Judge Joan Lefkow. Law enforcement believes the two were victims of retaliation against the judge following an unfavorable ruling.

Sections of the law concerning the posting of information are effective within 60 days and provisions affecting information use by the Secretary of State for identification cards, vehicle registrations and driver's licenses are effective January 1.

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WASHINGTON - Senator Chuck Grassley will meet with Iowans in Columbus Junction, Donnellson, Burlington, Agency, Bloomfield, Keosauqua, Mount Pleasant, Lockridge, and Cedar Rapids during the first week of the Senate's August recess.

 

"I look forward to these events and meetings to listen to comments and respond to questions.  My town meetings are open to the public, and everyone is welcome.  I also appreciate the opportunity to go to service clubs for Q and A," Grassley said.  "Representative government is a two-way street and strengthened by dialogue between elected officials and the people we represent."

 

Grassley has held at least one meeting with Iowans in every one of the state's 99 counties since 1980, when he was first elected to serve in the U.S. Senate.

 

Below is more information about the August 7, 8 and 9 schedule.  Grassley will be available to answer questions from reporters following each event.

 

Grassley is planning additional meetings with Iowans for the week of August 20.

 

Tuesday, August 7

9:15-10:15 a.m.

Louisa County Town Meeting

Columbus Junction City Hall, ICN Room

232 2nd Street in Columbus Junction

 

12 noon-1 p.m.

Lee County Town Meeting

Pilot Grove Savings Bank, Community Center

506 North Main Street in Donnellson

 

2-3 p.m.

Speak at the Burlington Chamber of Commerce Meeting

Connect with Leadership Series

River Park Place

610 North 4th Street, Suite 200 in Burlington

 

4:30-5:30 p.m.

Wapello County Town Meeting

Agency Area Community Center

100 West Main Street in Agency

 

Wednesday, August 8

6:45-7:45 a.m.

Speak to the Bloomfield Rotary Club

Davis County Hospital, Conference Room D

509 North Madison Street in Bloomfield

 

8:45-9:45 a.m.

Van Buren County Town Meeting

Village Cup and Cakes

202 Main Street in Keosauqua

 

12 noon-1 p.m.

Speak to the Mount Pleasant Noon Rotary Club

Iowa Wesleyan College Student Center

Second Floor, Food Services Area

Mount Pleasant

 

1:30-2:30 p.m.

Jefferson County Town Meeting

Lockridge Senior Center

104 West Main Street in Lockridge

 

Thursday, August 9

5:30 p.m.

Speak at the Central States Shrine Association Legions of Honor Banquet

Cedar Rapids Marriott

1200 Collins Road Northeast in Cedar Rapids

 

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CHICAGO - July 20, 2012. Governor Pat Quinn today took action on the following bills:

 

Bill No.: HB 3340

An Act Concerning: Transportation

The law requires the Secretary of State's office to regulate scrap processors and properly issue vehicle titles based certain requirements.

Action: Signed

Effective Date: Immediately

 

Bill No.: HB 4569

An Act Concerning: State Government

The law consolidates the responsibilities of the Secretary of State Merit Commission and gives the Secretary of State inspector general greater flexibility when hiring investigators and auditors.

Action: Signed

Effective Date: Immediately

 

Bill No.: HB 4602

An Act Concerning: Education

The law gives the Ridgeland School District 122 bonding authority of up to $50 million, in order to refund bonds originally issued in 2000 by voter approval.

Action: Signed

Effective Date: Immediately

 

Bill No.: HB 5073

An Act Concerning: Secretary of State

The law allows the Office of the Secretary of State to waive drivers' fees once the Governor declares a disaster.

Action: Signed

Effective Date: Jan. 1

 

Bill No.: HB 5190

An Act Concerning: Business

The law prohibits any person from knowingly filing a false or fraudulent document with the Secretary of State in connection with a secured transaction.

Action: Signed

Effective Date: Immediately

 

Bill No.: HB 5362

An Act Concerning: Local Government

The law extends the deadline for non-home rule municipalities to use the tax proceeds for municipal operations from the following: the Non-Home Rule Municipal Retailers' Occupation Tax Act, the Non-Home Rule Municipal Service Occupation Tax Act, or the Non-Home Rule Municipal Use Tax Act.

Action: Signed

Effective Date: Immediately

 

Bill No.: HB 5493

An Act Concerning: Transportation

The law allows expands the offenses for which the Secretary of State must revoke a driver's license or permit and permits the Secretary of State to issue an administrative citation in lieu of filing a criminal complaint in certain situations.

Action: Signed

Effective Date: Immediately

 

Bill No.: SB 1691

An Act Concerning: Business

The law amends the Secretary of State's business entity laws to add provisions pertaining to the reinstatement of certain business entities, the resignation of registered agents and the electronic filing of required documents.

Action: Signed

Effective Date: Immediately

 

Bill No.: SB 2492

An Act Concerning: Local Government

The law enables individuals serving on a jury to waive any payments they receive.

Action: Signed

Effective Date: Jan.1

 

Bill No.: SB 3453

An Act Concerning: Regulation

The law creates the Energy Efficiency Portfolio Standards Fund and gives control of the fund to the Department of Commerce and Economic Opportunity.

Action: Signed

Effective Date: Immediately

 

Bill No.: SB 3718

An Act Concerning: Public Health

Requires the development and implementation of rules regarding the denial of reimbursement for non-emergency ambulance transport.

Action: Signed

Effective Date: Immediately

 

 

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Comprehensive housing study includes public discussions

(DES MOINES) - The Branstad/Reynolds Administration today announced that a comprehensive statewide housing study is underway and encourage Iowans to participate in the process by sharing information about the housing needs in their areas at one of eight public meetings that are scheduled throughout the state in the coming weeks.  The study is commissioned by the Iowa Finance Authority in partnership with RDG Planning & Design.

"I encourage Iowans to participate in the public discussions on housing throughout the state, as the results will be incorporated into an analysis of current housing programs and opportunities for other initiatives to most effectively meet housing needs throughout the state," said Governor Branstad. "Affordable housing translates to safe and affordable homes for Iowa's workforce, strong neighborhoods, vibrant communities and ultimately a thriving economy - and there is no better way to learn about the unique affordable housing needs of communities throughout the state than from Iowans."

"The statewide housing study will not only include public forums and expert round tables throughout the state, but it will also include an in-depth analysis of the current housing stock," said Iowa Finance Authority Executive Director Dave Jamison. "The results of this study will provide the information needed to assist the Iowa Finance Authority and our housing partners throughout the state to most effectively advance affordable housing for Iowans for many generations to come."

More information about the housing study, details on the public meetings as well as a housing survey for the public is available at www.RDGUSA.com/IowaHousing.

 

Iowa Housing Study Public Meetings:

 

 

Carroll

July 23, 7:00 p.m.

Region XII Council of Governments Office

1009 East Anthony Street, Carroll

 

Perry

July 25, 7:00 p.m.

Center for Town/Craft

1122/1124 Willis Avenue, Perry

 

Mason City

August 7, 7:00 p.m.

 

Waterloo

August 8, 7:00 p.m.

 

Burlington

August 13, 7:00 p.m.

 

Ottumwa
August 20, 7:00 p.m.

 

Tama/Toledo

August 21, 7:00 p.m.

 

Atlantic

August 28, 7:00 p.m.

 

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"Julie's Law" Among New Measures to Reduce Speeding and Distracted Driving

 

FRANKFORT - July 20, 2012. Governor Pat Quinn today signed four new laws to improve road safety across Illinois by reducing speeding and distracted driving. The governor was joined by legislators, community leaders and families of crash victims to enact Julie's Law, named after a Chicago-area crash victim, and several additional laws that restrict cell phone usage in school and construction zones. Today's action is the latest by Governor Quinn to increase safety on Illinois roads and highways.

 

"By working together, we can deter reckless driving behavior and create safer roads across our state," Governor Quinn said. "These new laws will protect children and families, and prevent dangerous trends such as speeding and distracted driving."

 

Senate Bill 2888, also known as Julie's Law, is sponsored by Sen. Maggie Crotty (D-Oak Forest) and Rep. Sidney Mathias (R-Arlington Heights). The law prohibits courts from granting supervision to any defendant charged with operating a vehicle on a highway at a speed greater than 30 mph over the posted speed limit, or in excess of 25 mph in an urban district.

 

Julie's Law is named after Orland Park teen Julie Gorczysnski, who lost her life in 2011 after being struck by a speeding driver going 76 mph in a 40 mph zone. The driver who collided with Gorczysnski's car had previously been placed on court supervision seven times for excessive speeding. The law is effective Jul. 1, 2013.

 

"A young woman in my district was killed in an accident caused by someone who should have never been behind the wheel at all," Sen. Crotty said. "This law will help make sure that no family will have to endure the loss of a loved one in the way that has befallen the Gorczysnski family."

 

"This legislation addresses motorists who are pulled over for driving more than 25 miles over the speed limit in urban areas and more than 30 miles an hour over on highways," Rep. Mathias said. "It is my hope that the more stringent penalties will serve as a deterrent for motorists who put their lives and the lives of others at risk by driving too fast."

Governor Quinn also signed additional laws to improve traffic safety today. Senate Bill 2488, sponsored by Sen. Susan Garrett (D-Highwood) and Rep. Karen May (D-Highwood), expands the definition of construction and maintenance work zones to include areas where Illinois Department of Transportation (IDOT) or a local agency has posted signage advising motorists of an approaching speed zone. This expansion prohibits the use of cell phones in all roadway work zones, which will prevent distracted driving and increase protection for work crews. Previously, the use of cell phones was only prohibited in work zones with speed limit reductions. The law is effective Jan. 1, 2013.

House Bill 5099, sponsored by Rep. Jerry Costello, II (D-Sparta) and Sen. William Haine (D-Alton), prohibits motorists from using mobile phones when driving within 500 feet of an emergency scene, and expands the definition of "electronic message." The legislation will reduce distracted driving by banning talking and taking photos on a mobile device near an emergency scene. The law is effective immediately.

 

House Bill 5101, sponsored by Rep. John D'Amico (D-Chicago) and Sen. Martin Sandoval (D-Cicero), brings the Illinois Vehicle Code (IVC) into compliance with federal regulations, and prohibits a commercial motor vehicle operator from using a hand-held mobile phone or engaging in texting while driving. The legislation also amends the code to include texting or using a hand-held mobile device as a "serious traffic violation." The law is effective Jan. 1, 2013.

 

"Our goal is to drive zero fatalities to reality, and these new measures take us another step in the right direction," said Illinois Transportation Secretary Ann L. Schneider.

 

For more information about traffic safety, visit www.dot.state.il.us.

 

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Wednesday, July 18, 2012

The Office of Senator Chuck Grassley issued the following information today in response to comments made by White House Press Secretary Jay Carney about waivers to the federal welfare program's work requirements being supported in 2003 by Senator Grassley.

Senator Grassley's demonstrated goal for the TANF program has been to make work requirements stronger.

As Chairman of the Finance Committee in 2003, Senator Grassley authored and won passage of a reauthorization bill reflecting that goal.  The legislation didn't push for work waivers, as suggested by Jay Carney.  The only broad waiver authority in the Grassley bill was for a 10-state demonstration project to improve the coordination and delivery of services by TANF, the Social Services Block Grant, and child care services.  This project was specifically objected to by every Democratic senator serving on the Finance Committee in the Minority Views expressed in Finance Committee Report 108-162.  Ironically, in light of the current executive branch's interest in controlling waivers, the Minority Views call the super-waiver demonstration "an ill-considered attempt to cede Congressional authority to the Executive branch."  The Views are attached.  The Views include objections to the bill as a whole such as "not enough flexibility for states," "higher hour standards," and not enough flexibility for education and rehabilitation.  No Democratic senator voted for the legislation in committee.  On the Senate floor, the Democratic caucus launched a filibuster against the legislation.

As far as work requirements, then-Chairman Grassley's 2003 legislation increased required participation hours from 30 to 34 per week and set a hard cap on the state-determined participation rate, in contrast to the Obama administration's apparent current effort to reduce work requirements and to do so without any proper authority.

Carney remarks:

Carney-- weds: 13:14:56 to address hypocritical criticism I have been surprised by it as... By the hypocrisy of our critics since many of them have in the past supported and even proposed such waivers -- Governor Romney, Governor Barbour, Governor Huckabee, Secretary Tommy Thompson and Senator Grassley -- all supported these kinds of waivers for states in the past. In a 2005 letter to the Senate Republicans governors including then Governor Romney requested such waivers. Under President George W. Bush, HHS Secretary Thompson put forward a proposal that would allow quote "super waivers" in the program. The Senate under republican control at the time passed a bill authored by Senator Grassley with broad waiver authority. And just last year, states led by democrats and republicans including Nevada and Utah called for these waivers.. these very waivers so they could have more flexibility to get more people back to work faster. So given this long documented history of bipartisan support it is surprising to say the least to see this kind of flip flopping on the part of republicans. 13:16:08

WASHINGTON, D.C. - In a letter to the Commissioner of the Social Security Administration (SSA), Senator Tom Harkin (D-IA), Congressman Dave Loebsack, and Congressman Bruce Braley today urged the Administration to reconsider its proposed closure of the Clinton field office.  In late June, the SSA informed members of Congress and officials in Clinton of their plans to close the field office this September.  This office currently serves the 49,000 residents of Clinton County, including over 10,000 current Social Security beneficiaries, who would have to travel to Davenport to visit a Social Security office if the closure goes forward.

"We are very concerned with this proposed closure and urge you to reconsider," wrote the lawmakers.  "The number of visitors to the Clinton office has increased each of the last three years, from 180 visitors per week in 2009 to 210 in 2012.  Many of these individuals would have to travel up to 40 miles further to the Davenport office.  In addition, by consolidating these offices, the number or Iowans who have to use the new Davenport office will now exceed the national average population served by a field office.

"While we understand the budget constraints facing the agency, we are particularly concerned with the impact this will have on the ability of low-income and disabled residents to communicate with the Social Security Administration," they concluded.

The full text of the letter can be found here.

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Churches United is a Christian Organization who in part helps feed the hungry and shelter women and children in the Quad City Area.  To date this year they have served 45,531 individuals by way of emergency food pantries, served over 12,000 people at 3 meals sites, and sheltered 1527 lodging to a total of 128 women and children.  Winnie's Place stands for Women In Need Nurtured Into Excellence. The program is designed to not only provide shelter, but to help women to survive on their own once out of shelter.

Thank you Quad Cities for your many years of financial and volunteer support as Churches United has worked to meet the rising needs of hunger and shelter in the Quad Cities communities.  As you can imagine, it takes significant financial resources to meet the needs of the most vulnerable.  The community has been generous through donations to the various programs to address human need in the area.  Yet with a decrease in grant income has placed a decided pressure on other areas of income.  We are asking our communities for assistance to assure that families are able to continue to find food when they need it; that women with or without children can find a safe place to re-start their lives in a safe environment. Currently Churches United is facing a $30,000 short-fall in important income areas so the question arises:  Will you, the community help Churches United provide the food and the shelter that is so desperately needed?

Here are some thoughts about the importance of Winnie's Place, the Women's Shelter of Churches United, from someone who found hope within its walls.

I was invited to come back to Winnie's so I could get my kids back.  Well, I moved back in on a Tuesday and by Friday, I got my first weekend with 3 of my children.  Then I got to keep the youngest forever!  The twins came only on weekends for the next three weeks - now they are with me forever as well.  As for my oldest, he is back in town and is staying with my mother.  I'm not allowed to keep him overnight yet but soon I hope.  I also found a 3 bedroom, 2 baths plus a garage for 'low' through section 8.  YEAH!  We move on the 4th, which is today.  I thank God and Winnie's Place so much because without their belief in me I couldn't have done it!  I remember when I first came here - I was so unsure.  Ya'll made it possible for me to start getting' my babies back.  Thank you.  I am forever grateful and couldn't have done all this without your support, through all my yelling, and crying to you.

Will you, the community, help Winnie's Place continue the ability to provide the hope that is so desperately needed in this community and the world?  Will you, the community, provide the resources to see that those who are hungry find the food that is needed?  We invite you to consider helping us meet the needs for the next 50 years and beyond.  It is easy to donate simply go to the Churches United website - www.cuqca.org - and utilize the "donate" button.  A Donation can also be made by mailing a check to:

Churches United

2535 Tech Drive, Suite 205

Bettendorf, IA 52722

Rev. Ronald C. Quay, Executive Director

563/332-5002

rquay@cuqca.org

CHICAGO - July 17, 2012. Governor Pat Quinn today took action on the following bill:

Bill No.: SB 2574

An Act Concerning: Public Aid

Deletes obsolete language regarding Medicaid reimbursement and repeals two sections of the Illinois Public Aid Code pertaining to the provision of mental health services.

Action: Signed

Effective Date: Immediately

 

 

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