IL HB3183

Creates the Homeowner Bill of Rights as Part 18 of Article XV in the Illinois Code of Civil Procedure, applying to residential property mortgage foreclosures.

Grants mortgagors the right to access all communications between themselves and the mortgagee, and between the mortgagee and third parties concerning the mortgagor, mortgage, or mortgage loan, including correspondence, documents, emails, and electronic records.

Requires mortgagees to provide mortgagors with a description of mortgage note transfers, the identity and contact information of the note owner or assignee, and copies of transfer and pooling/servicing agreements.

Mandates mortgagees to inform mortgagors denied assistance under the Making Home Affordable Program (HAMP) about alternate assistance programs and options available to them.

Allows mortgagors to have a HUD-certified housing counselor act as an intermediary in all communications and interactions with the mortgagee, with the mortgagee required to notify the counselor of any offers or issues related to the mortgage.