Chapter 815, BUSINESS TRANSACTIONS

(815 ILCS 322/15) (This Section may contain text from a Public Act with a delayed effective date) Sec. 15. Penalties. (a) A violation of this Act is a business offense with a fine not to exceed $25. A retail mercantile establishment shall not be fined in excess of $500 in a calen…

(815 ILCS 615/15) (from Ch. 29, par. 1051-15) Sec. 15. Written contract required. Every contract for dating referral services shall be in writing and shall be subject to this Act. All provisions, requirements, and prohibitions that are mandated by this Act and the Internet Dating…

(815 ILCS 177/15) Sec. 15. Posting of fee schedule and disclosures. (a) A facilitator shall display a schedule showing the current fees for refund anticipation loans, if refund anticipation loans are offered, or refund anticipation checks, if refund anticipation checks are offere…

(815 ILCS 393/15) Sec. 15. Records. A person shall retain a record obtained or made under this Act until the first anniversary of the later of the date the containers are purchased or delivered. (Source: P.A. 97-1085, eff. 1-1-13.)

(815 ILCS 450/15) (This Section may contain text from a Public Act with a delayed effective date) Sec. 15. Action for actual damages. Any person who suffers actual damage as a result of a violation of subsection (c) of Section 5 may bring an action under Section 10a of the Consum…

(815 ILCS 604/15) Sec. 15. Applicability. (a) This Act applies to any action filed on or after the effective date of this Act: (1) with respect to any consumer contract entered into on or after the effective date of this Act; if the commercial party filing the action is a debt bu…

(815 ILCS 511/15) Sec. 15. Consumer Fraud and Deceptive Business Practices Act. In addition to any other penalties specified in this Act, violation of this Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. (Source: P.A. 91-233, ef…

(815 ILCS 633/15) Sec. 15. Effective date of termination. Termination of the cellular phone contract shall not be effective until: (1) thirty days after the service member who has entered military service or the service member's spouse gives notice by certified mail, return recei…

(815 ILCS 390/15) (from Ch. 21, par. 215) Sec. 15. (a) Whenever a seller receives anything of value under a pre-need sales contract, the person receiving such value shall deposit 50% of all proceeds received into one or more trust funds maintained pursuant to this Section, except…

(815 ILCS 312/15) Sec. 15. Notification of implications of lien. At the time a vehicle owner registers as a shared-vehicle owner on a car-sharing program and before the time when the shared-vehicle owner makes a shared vehicle available for car sharing on the car-sharing program,…

(815 ILCS 636/15) Sec. 15. Payment or trade-in pending execution of consumer lease: refund or return upon non-execution. (a) If a lessee has made a payment to a lessor pending the execution of a consumer lease, has surrendered possession of a trade-in vehicle, or both, the lessee…

(815 ILCS 416/15) (This Section may contain text from a Public Act with a delayed effective date) Sec. 15. Enforcement. A violation of this Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act. All remedies, penalties, and authority g…

(815 ILCS 518/15) Sec. 15. Unlawful practices for Internet dating services, Internet child care services, Internet senior care services, and Internet home care services. It is an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act for an Internet datin…

(815 ILCS 333/15) Sec. 15. Time and place of sending and receipt. (a) Unless otherwise agreed between the sender and the recipient, an electronic record is sent when it: (1) is addressed properly or otherwise directed properly to an information processing system that the recipien…

(815 ILCS 309/15) Sec. 15. Treatment required. If an inspection reveals the presence of pests, the merchant must treat the furniture or equipment to eradicate the pests before renting the furniture or equipment to a subsequent customer. (Source: P.A. 100-500, eff. 6-1-18.)

(815 ILCS 180/15) Sec. 15. Notice of purchase of collateral protection insurance; repayment terms. (a) Within 30 calendar days following the purchase of collateral protection insurance, the creditor shall mail to the debtor and to any cosigner, guarantor, or other person liable w…

(815 ILCS 617/15) Sec. 15. Substituted currency does not change contract requirements. None of the following shall have the effect of discharging or excusing performance under any contract, security, or instrument, or give a party the right unilaterally to alter or terminate any …

(815 ILCS 670/15) Sec. 15. Adoption of residential building code. A contract to build new residential construction in any non-building code jurisdiction must adopt as part of the construction contract the applicability of a residential building code that is agreed to by the home …

(815 ILCS 305/15) (from Ch. 134, par. 115) Sec. 15. Method of operation. (a) No person shall operate an autodialer in this State to place a telephone call during the hours between 9 p.m. and 9 a.m. (b) All autodialers operated within the State of Illinois shall disconnect within …

(815 ILCS 616/15) Sec. 15. Definitions. As used in this Act: "Consumer" means any person who purchases or contracts for the purchase of educational planning services. "Educational planning services" means college and career preparatory planning services, including, but not limite…

(815 ILCS 705/15) (from Ch. 121 1/2, par. 1715) Sec. 15. Escrow of franchise fees; surety bonds; franchise fee deferrals. If the Administrator finds that a franchisor has failed to demonstrate that adequate financial arrangements have been made to fulfill obligations to provide r…

(815 ILCS 413/15) Sec. 15. Method of operation. (a) No person shall solicit the sale of goods or services in this State by placing a telephone call during the hours between 9 p.m. and 8 a.m. (b) A live operator soliciting the sale of goods or services shall: (1) immediately state…

(815 ILCS 318/15) Sec. 15. Persons referring or bringing business to a provider. (a) A veterinarian, pet shop, or other person or business entity that refers owners of deceased animals, or persons making arrangements on an owner's behalf, to a provider on a regular basis shall ma…

(815 ILCS 412/15) Sec. 15. Notice of sale of a local news organization. A local news organization shall not be sold to a company without giving written notice 120 days before the sale occurs to the following: (1) affected employees and representatives of affected employees; (2) t…

(815 ILCS 411/15) Sec. 15. Private right of action. A person aggrieved by a violation of this Act by a seller of a self-administered sexual assault evidence collection kit may file suit in circuit court in the county where the alleged offense occurred or where any person who is a…

(815 ILCS 301/15) Sec. 15. Assistive technology device replacement or refund. (a) If a new assistive technology device does not conform to an applicable express warranty and the consumer (i) reports the nonconformity to the manufacturer, the assistive technology device lessor, or…

(815 ILCS 605/15) (from Ch. 121 1/2, par. 2115) Sec. 15. The remedies provided by this Act are in addition to other remedies provided by law. A violation of this Act shall also constitute a violation of the Consumer Fraud and Deceptive Business Practices Act. (Source: P.A. 85-138…

(815 ILCS 121/15) Sec. 15. Consumer legal funding company prohibitions. A consumer legal funding company shall not: (1) pay or offer to pay commissions, referral fees, or other forms of consideration to any attorney, law firm, medical provider, chiropractic physician, or physical…

(815 ILCS 306/15) Sec. 15. Disclosures to consumers; estimates. (a) Disclosures required. No work for compensation that exceeds $100 shall be commenced without specific authorization from the consumer after the disclosures set forth in this Section. (b) Estimated costs. Every mot…

(815 ILCS 603/15) Sec. 15. Interest; suspension of performance. (a) If a payment due pursuant to the provisions of this Act is not made in a timely manner, the delinquent party shall be liable for the amount of that payment, plus interest at a rate equal to 10% per annum. (b) A c…

(815 ILCS 672/15) Sec. 15. Violations; civil penalties. (a) Any person who violates, or causes another person to violate, a provision of this Act shall be subject to a civil penalty of up to $1,000 for each violation. Each day that a third-party restaurant reservation service vio…

(815 ILCS 406/15) (was 720 ILCS 668/15) Sec. 15. Prohibition against novelty lighters. A person may not sell at retail or distribute for retail sale in this State a novelty lighter. The prohibition specified in this Section does not apply to the transportation of novelty lighters…

(815 ILCS 123/15-1-1) Sec. 15-1-1. Short title. This Article may be cited as the Predatory Loan Prevention Act. References in this Article to "this Act" mean this Article. (Source: P.A. 101-658, eff. 3-23-21; 102-687, eff. 12-17-21.)

(815 ILCS 123/15-1-10) Sec. 15-1-10. Definitions. As used in this Act: "Consumer" means any natural person, including consumers acting jointly. "Department" means the Department of Financial and Professional Regulation. "Lender" means any person or entity, including any affiliate…

(815 ILCS 123/15-1-15) Sec. 15-1-15. Applicability. (a) Except as otherwise provided in this Section, this Act applies to any person or entity that offers or makes a loan to a consumer in Illinois. (b) The provisions of this Act apply to any person or entity that seeks to evade i…

(815 ILCS 123/15-1-5) Sec. 15-1-5. Purpose and construction. Illinois families pay over $500,000,000 per year in consumer installment, payday, and title loan fees. As reported by the Department in 2020, nearly half of Illinois payday loan borrowers earn less than $30,000 per year…

(815 ILCS 123/15-10-10) Sec. 15-10-10. Preemption of administrative rules. Any administrative rule regarding loans that is adopted by the Department prior to the effective date of this Act and that is inconsistent with the provisions of this Act is hereby preempted to the extent …

(815 ILCS 123/15-10-15) Sec. 15-10-15. Reporting of violations. The Department shall report to the Attorney General all material violations of this Act of which it becomes aware. (Source: P.A. 101-658, eff. 3-23-21.)

(815 ILCS 123/15-10-20) Sec. 15-10-20. Judicial review. All final administrative decisions of the Department under this Act are subject to judicial review under the Administrative Review Law and any rules adopted under the Administrative Review Law. (Source: P.A. 101-658, eff. 3-…

(815 ILCS 123/15-10-25) Sec. 15-10-25. No waivers. There shall be no waiver of any provision of this Act. (Source: P.A. 101-658, eff. 3-23-21.)

(815 ILCS 123/15-10-30) Sec. 15-10-30. Superiority of Act. To the extent this Act conflicts with any other State laws, this Act is superior and supersedes those laws, except that nothing in this Act applies to any lender that is a bank, savings bank, savings and loan association,…

(815 ILCS 123/15-10-35) Sec. 15-10-35. Severability. The provisions of this Act are severable under Section 1.31 of the Statute on Statutes. (Source: P.A. 101-658, eff. 3-23-21.)

(815 ILCS 123/15-10-5) Sec. 15-10-5. Enforcement and remedies. (a) The remedies provided in this Act are cumulative and apply to persons or entities subject to this Act. (b) Any violation of this Act, including the commission of an act prohibited under Article 5, constitutes a vi…

(815 ILCS 123/15-5-10) Sec. 15-5-10. Violation. Any loan made in violation of this Act is null and void and no person or entity shall have any right to collect, attempt to collect, receive, or retain any principal, fee, interest, or charges related to the loan. (Source: P.A. 101-…

(815 ILCS 123/15-5-15) Sec. 15-5-15. No evasion. (a) No person or entity may engage in any device, subterfuge, or pretense to evade the requirements of this Act, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction; disguisin…

(815 ILCS 123/15-5-16) Sec. 15-5-16. Prohibition on secured loans for canines and felines. No person or entity shall make a secured loan for the purchase of a canine or feline. Any secured loan made for the purchase of a canine or feline is null and void. This Section shall apply…

(815 ILCS 123/15-5-20) Sec. 15-5-20. Rules. The Secretary may adopt rules consistent with this Act and rescind or amend rules that are inconsistent. The adoption, amendment, or rescission of rules shall be in conformity with the Illinois Administrative Procedure Act. (Source: P.A…

(815 ILCS 123/15-5-5) Sec. 15-5-5. Rate cap. Notwithstanding any other provision of law, for loans made or renewed on and after the effective date of this Act, a lender shall not contract for or receive charges exceeding a 36% annual percentage rate on the unpaid balance of the a…

(815 ILCS 123/15-90-10) Sec. 15-90-10. (Amendatory provisions; text omitted). (Source: P.A. 101-658, eff. 3-23-21; text omitted.)

(815 ILCS 123/15-90-15) Sec. 15-90-15. The Consumer Installment Loan Act is amended by repealing Sections 17.1, 17.2, 17.3, and 17.4. (Source: P.A. 101-658, eff. 3-23-21.)