Illinois Just Made AI Underwriting a Disparate Impact Problem Again. The Deadline Is June 1, 2027.
Executive Summary Illinois Public Act 104-0744, which the Act itself calls the Civil Rights Safeguard Act, makes it a civil rights violation for a financial institution to use “criteria or methods” that have the effect of subjecting people to unlawful discrimination, even with no intent to discriminate. Governor Pritzker approved it July 31, 2026. The…