Amends the Illinois Insurance Code. Creates the Rates Article. Provides that the Article may be cited as the Insurance Rate Fairness and Consumer Protection Law. Sets forth provisions requiring insurers to receive prior approval for rate changes from the Department of Insurance on and after January 1, 2028. Provides that no insurer shall increase premiums by more than 10% per year for any policyholder without exceptional justification. Requires the Department to conduct market conduct examinations of insurers at least once every 3 years to ensure compliance with the Article. Establishes penalty and enforcement provisions for violations of the Article. Provides that the Department may adopt rules necessary to implement and enforce the requirements of the Article. Effective January 1, 2028.

Creates the Home Utility Relief Act. Requires the Department of Commerce and Economic Opportunity to create, as soon as practicable, a Home Utility Rebate Program to provide rebates to households that use electricity and that have a median household income between 100% and 500% of the poverty guidelines updated periodically in the Federal Register by the U.S. Department of Health and Human Services. Provides that eligible households shall receive the rebates as soon as practicable after implementation of the program. Requires the Department to, by rule, establish qualifications for program participation which may include requirements that apply under the Energy Assistance Act and other requirements. Provides that rebates provided under the program shall be funded through appropriations made from the Home Utility Rebate Relief Fund created under the Act. Requires the State Comptroller to direct and the State Treasurer to transfer $500,000,000 from the General Revenue Fund to the Home Utility Rebate Relief Fund to provide rebates to qualifying households for State fiscal years 2026 and 2027. Provides that any funds left over at the end of the second month following the conclusion of payments to households in a fiscal year may be awarded to certain qualifying first-time small business owners as determined by the Department. Requires the Department to adopt emergency rules in accordance with the Illinois Administrative Procedure Act to implement the program. Amends the State Finance Act to include the Home Utility Rebate Relief Fund as a special fund. Effective immediately.

Mourns the passing of Dorothy L. Goleman of Naples, Florida, formerly of Divernon.

Mourns the death of Jordan B. Rifis.

Mourns the death of Stephen "Steve" Kennedy of Quincy.

Mourns the death of Mary Anne Brown of River Forest.

Mourns the passing of Lloyd Benjamin Mills of Macomb.

Extends warm congratulations to Major Cameron Jones of the United States Air Force on his selection as a 2025 astronaut candidate by the U.S. National Aeronautics and Space Administration (NASA). Supports Major Jones as he undergoes the further grueling training necessary as the future flight crews are selected by NASA for future American missions into space. Looks forward to seeing the name of Illinois' Major Jones on the news wires of the world as he flies above it.

Mourns the death of Meg Ryan Fitzgerald of Chicago.

Mourns the death of Charles Arthur Schweighauser of Pleasant Plains.

Mourns the death of Officer Daniel Jones "Dan" Willis of the Joliet Police Department.

Amends the State Commemorative Dates Act. Designates the tenth day of September of each year as Charlie Kirk Day.

Mourns the death of Robert Paul "Bob" Chumley of Jacksonville.

Mourns the death of Hattie B. Jones, D.Div.

Commends Detective Michael Griffin of the Moline Police Department Criminal Investigations unit for his unrelenting commitment to pursuing justice in the 1996 disappearance of 11-year-old Trudy Appleby. Thanks Det. Griffin and the Moline Police Department for their continued service and dedication towards protecting residents and solving cases.