Welcome to Illinois State Senator Michael Hastings Legislative Website

Hastings spearheads stronger oversight of predatory Buy-Now-Pay-Later loans

SPRINGFIELD — Illinois consumers have seen a rapid expansion of Buy-Now-Pay-Later loan services may seem convenient at first, but they can carry hidden costs, unexpected fees and financial risks that often go unnoticed until it is too late. In response, State Senator Michael E. Hastings is working toward stronger oversight of these predatory programs.

“People who are living paycheck-to-paycheck are lured in by these services and can quickly find themselves trapped in debt or facing unexpected penalties,” said Hastings (D-Frankfort). “It’s essentially a loan shark with a new paint job.”

Hastings passed legislation that would require BNPL lenders to register with the state and provide full disclosures about repayment terms, interest rates and potential fees while maintaining fair and transparent dispute or refund processes. The legislation also would ensure consumers understand the total cost of borrowing and can make informed financial decisions.

The measure is intended to protect consumers while allowing responsible BNPL programs to operate fairly. Hastings emphasized that accountability and transparency are key to preventing abusive practices and promoting financial literacy across the state.

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Hastings bill opens the door for virtual dental care

SPRINGFIELD — To expand access to dental care, State Senator Michael E. Hastings passed legislation designed to ensure patients can access virtual dental care safely while maintaining strong professional standards.

“When life gets hectic, dental care is often the first thing that gets put to the side,” said Hastings (D-Frankfort). “This will especially help rural and low-income communities who often have a lack access to dental care.”

Senate Bill 3211 would clarify when and how virtual dental care may be used, ensuring patients can access dental care safely while maintaining strong professional standards. Hastings stressed that the bill would:

• Address critical access gaps.
• Reduce barriers for children, seniors, individuals with disabilities, and low-income families with transportation, mobility or scheduling challenges.
• Enable care delivery in schools, long-term care facilities, community health centers and other settings where patients already are.
• Support early intervention, preventing minor oral health issues from becoming costly emergency room visits.

Virtual dental care has been found to offer patients and providers the flexibility needed to solve in-person limitations. Patients have the valuable option to directly reach out to a dentist from virtually anywhere. This approach allows dentists to conduct a detailed evaluation of the issue before recommending any treatment, resulting in significant time and cost savings. Consequently, this approach minimizes the need for travel and leads to shorter waiting times at dental offices.

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Hastings leads effort to expand virtual dental care

SPRINGFIELD — To expand access to dental care, State Senator Michael E. Hastings is carrying legislation designed to ensure patients can access virtual dental care safely while maintaining strong professional standards.

“Whether it is because of a disability or lack of access to transportation, people often struggle to make it to the dentist as much as they should,” said Hastings (D-Frankfort). “While it may seem harmless early on, missing out on routine dental work can lead to costly emergency room visits down the road.”

Senate Bill 3211 would clarify when and how virtual dental care may be used, ensuring patients can access dental care safely while maintaining strong professional standards. Hastings stressed that the bill would:

• Address critical access gaps.
• Reduce barriers for children, seniors, individuals with disabilities, and low-income families with transportation, mobility or scheduling challenges.
• Enable care delivery in schools, long-term care facilities, community health centers and other settings where patients already are.
• Support early intervention, preventing minor oral health issues from becoming costly emergency room visits.

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Hastings landmark insurance reform passes Senate

SPRINGFIELD — Capping off years of advocacy and negotiations, State Senator Michael E. Hastings carried legislation that would protect Illinois homeowners from unfair rate hikes similar to those endured in the last few years.

“On behalf of my neighbors back home, I have made it my mission to get them the answers they deserve on their insurance bill,” said Hastings. “There is no world where insurance companies should get away with 20% or more rate hikes without having to explain where those numbers are coming from.”

House Bill 4273 would prohibit a company selling homeowners insurance from increasing premiums by more than 10% without first notifying the consumer 60 days prior. This would give consumers the necessary time to shop around and find a better rate. Most importantly, the bill would prohibit homeowners insurance premiums from being excessive, inadequate or unfairly discriminatory. The measure would be overseen by the Illinois Department of Insurance, with set rules for hearings on newly filed rates.

The legislation would also ban cost shifting, a practice where losses or high-claim payouts in other states are shifted unfairly onto Illinois homeowners.

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