Chapter 815, BUSINESS TRANSACTIONS

(815 ILCS 405/26.5) Sec. 26.5. Relief concerning a retail installment contract default for military personnel in military service. (a) In this Section: "Military service" means any full-time training or duty, no matter how described under federal or State law, for which a service…

(815 ILCS 390/27) (from Ch. 21, par. 227) Sec. 27. (a) The provisions of this Act shall not apply to any pre-need sale that was executed prior to the effective date of this Act. Any seller, with the written approval of the purchaser, shall have the option to become subject to thi…

(815 ILCS 705/27) (from Ch. 121 1/2, par. 1727) Sec. 27. Periods of limitation. No action shall be maintained under Section 26 of this Act to enforce any liability created by this Act unless brought before the expiration of 3 years after the act or transaction constituting the vi…

(815 ILCS 710/27) Sec. 27. Enforcement. The Secretary of State may provide training and education for members of his or her office in the administration and enforcement matters under this Act. (Source: P.A. 89-145, eff. 7-14-95.)

(815 ILCS 405/27) (from Ch. 121 1/2, par. 527) Sec. 27. The finance charge on any retail installment contract shall be no more than the maximum rate permissible under the Predatory Loan Prevention Act. (Source: P.A. 101-658, eff. 3-23-21.)

(815 ILCS 124/27) Sec. 27. Consumer protections. (a) A lender shall provide the following disclosures to a consumer, in a clear and conspicuous manner, at the time of extending a specific offer of a loan: (1) how to file a complaint with the Department; (2) the terms of buy-now-p…

(815 ILCS 390/27.1) Sec. 27.1. Sales; liability of purchaser for shortage. In the event of a sale or transfer of all or substantially all of the assets of the licensee, the sale or transfer of the controlling interest of the corporate stock of the licensee if the licensee is a co…

(815 ILCS 124/27.5) Sec. 27.5. Compliance with federal law. All disclosures required by this Act shall be made in a manner that complies with the federal Truth in Lending Act, amendments thereto, and any regulations issued or which may be issued thereunder. (Source: P.A. 104-475,…

(815 ILCS 124/28) Sec. 28. Rate cap. A loan entered into under this Act is subject to the rate cap set forth in Section 15-5-5 of the Predatory Loan Prevention Act. (Source: P.A. 104-475, eff. 6-25-26.)

(815 ILCS 710/28) Sec. 28. Injunction. Whenever it shall appear to the Secretary of State that a person is engaged or about to engage in acts or practices that constitute or will constitute a violation of the provisions of this Act, or of any rule or regulation prescribed under a…

(815 ILCS 705/28) (from Ch. 121 1/2, par. 1728) Sec. 28. No other civil liability. Except as explicitly provided in this Act, no civil liability in favor of any person shall arise against any person by implication from or as a result of the violation of any provision of this Act.…

(815 ILCS 405/28) (from Ch. 121 1/2, par. 528) Sec. 28. The finance charge on any retail charge agreement shall be no more than the maximum rate permissible under the Predatory Loan Prevention Act. (Source: P.A. 101-658, eff. 3-23-21.)

(815 ILCS 405/28.1) (from Ch. 121 1/2, par. 528.1) Sec. 28.1. Upon the account holder's request, the total amount of finance charges charged to or paid by the account holder during the year shall be provided to the account holder within 60 days after the end of the year, or if th…

(815 ILCS 405/29) (from Ch. 121 1/2, par. 529) Sec. 29. No retail seller whose sales are regulated under this Act may advertise to the public on price tags, on signs, in public media, or in any other manner that indicates or implies that the finance charge or interest rates he ch…

(815 ILCS 710/29) Sec. 29. Procedures for hearing on protest. Upon receipt of a timely notice of protest filed with the Motor Vehicle Review Board under Section 4, 5, 6, 7, 9, 10.1, 11, or 12 of this Act, the Motor Vehicle Review Board shall enter an order fixing a date (within 6…

(815 ILCS 705/29) (from Ch. 121 1/2, par. 1729) Sec. 29. Certificate of registration or filing of annual report; admissibility in evidence. In any civil or criminal action brought under this Act, a Certificate under the seal of this State, signed by the Administrator, stating whe…

(815 ILCS 124/29) Sec. 29. Nullification of loans. Any loan made by a person not licensed or otherwise exempt under 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 r…

(815 ILCS 405/29.1) (from Ch. 121 1/2, par. 529.1) Sec. 29.1. (a) No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state: (1) that a specific periodic consumer credit amount or installment amount can be arranged, unless the c…

(815 ILCS 405/29.5) Sec. 29.5. Prohibition on retail installment transactions for canines and felines. No retail seller shall enter into a retail installment transaction for the purchase of a canine or feline. Any retail seller, including his or her assignee or successor in inter…

(815 ILCS 505/2A) (from Ch. 121 1/2, par. 262A) Sec. 2A. (1) The use or employment of any chain referral sales technique, plan, arrangement or agreement whereby the buyer is induced to purchase merchandise upon the seller's promise or representation that if buyer will furnish sel…

(815 ILCS 505/2AA) Sec. 2AA. Immigration services. (a) "Immigration matter" means any proceeding, filing, or action affecting the nonimmigrant, immigrant or citizenship status of any person that arises under immigration and naturalization law, executive order or presidential proc…

(815 ILCS 505/2AAA) Sec. 2AAA. Mortgage marketing materials. (a) No person may send marketing materials to a consumer indicating that the person is connected to the consumer's mortgage company, indicating that there is a problem with the consumer's mortgage, or stating that the m…

(815 ILCS 505/2AAAA) Sec. 2AAAA. Violations of the Consumer Legal Funding Act. Any person who violates the Consumer Legal Funding Act commits an unlawful practice within the meaning of this Act. (Source: P.A. 102-987, eff. 5-27-22.)

(815 ILCS 505/2B) (from Ch. 121 1/2, par. 262B) Sec. 2B. Where a sale of merchandise involving $25 or more is made or contracted to be made whether under a single contract or under multiple contracts, to a consumer by a seller who is physically present at the consumer's residence…

(815 ILCS 505/2B.1) (from Ch. 121 1/2, par. 262B.1) Sec. 2B.1. It shall be unlawful in the sale of consumer goods or services for any person conducting a mail order or catalog business in this State, and utilizing a post office box address or a street address representing a site …

(815 ILCS 505/2B.2) Sec. 2B.2. Solicitations regarding records. It is an unlawful practice for any person to offer for sale or sell to a consumer access to any records or copies of any records pertaining to the consumer that may be obtained at no cost or a nominal cost from a gov…

(815 ILCS 505/2B.3) Sec. 2B.3. Deceptive sale or promotion of health-related cash discount cards. It is an unlawful practice for any person to sell, market, promote, advertise, or otherwise distribute any card or other purchasing mechanism or device that purports to offer discoun…

(815 ILCS 505/2BB) Sec. 2BB. The assembly, drafting, execution, and funding of a living trust document or any of those acts by a corporation or a nonlawyer is an unlawful practice within the meaning of this Act. Any person who violates this Section is guilty of a Class A misdemea…

(815 ILCS 505/2BBB) Sec. 2BBB. Long term care facility, ID/DD facility, MC/DD facility, or specialized mental health rehabilitation facility; Consumer Choice Information Report. A long term care facility that fails to comply with Section 2-214 of the Nursing Home Care Act, a faci…

(815 ILCS 505/2BBBB) Sec. 2BBBB. Deceptive practices related to limited services pregnancy centers. (a) As used in this Section: "Abortion" means the use of any instrument, medicine, drug, or any other substance or device to terminate the pregnancy of an individual known to be pr…

(815 ILCS 505/2C) (from Ch. 121 1/2, par. 262C) Sec. 2C. If the furnishing of merchandise, whether under purchase order or a contract of sale, is conditioned on the consumer's providing credit references or having a credit rating acceptable to the seller and the seller rejects th…

(815 ILCS 505/2CC) Sec. 2CC. Wholesale advertising. (a) A person may represent directly or by implication in any advertising that a person offers to sell or sells a particular article of merchandise at a wholesale price if that person can substantiate significant savings on his p…

(815 ILCS 505/2CCC) Sec. 2CCC. Internet game service provider; cancellation. (a) As used in this Section: "Internet game service provider" means a person who provides a web site that includes information, software, data, text, photographs, graphics, sound, or video that may be ac…

(815 ILCS 505/2CCCC) (Section scheduled to be repealed on January 1, 2027) Sec. 2CCCC. Violations of the Vision Care Plan Regulation Act. Any person who violates the Vision Care Plan Regulation Act commits an unlawful practice within the meaning of this Act. (Source: P.A. 103-482…

(815 ILCS 505/2D) (from Ch. 121 1/2, par. 262D) Sec. 2D. If a consumer in a retail installment sales transaction gives the seller a negotiable instrument in part or full payment for the merchandise which is the subject of a purchase order, retail charge agreement or retail instal…

(815 ILCS 505/2DD) Sec. 2DD. Telecommunication service provider selection. A telecommunication carrier shall not submit or execute a change in a subscriber's selection of a provider of local exchange telecommunications service or interexchange telecommunications service or offer …

(815 ILCS 505/2DDD) Sec. 2DDD. Alternative gas suppliers. (a) Definitions. In this Section: (1) "Alternative gas supplier" has the same meaning as in Section 19-105 of the Public Utilities Act. (2) "Gas utility" has the same meaning as in Section 19-105 of the Public Utilities Ac…

(815 ILCS 505/2DDDD) Sec. 2DDDD. Sale and marketing of firearms. (a) As used in this Section: "Firearm" has the meaning set forth in Section 1.1 of the Firearm Owners Identification Card Act. "Firearm accessory" means an attachment or device designed or adapted to be inserted int…

(815 ILCS 505/2E) (from Ch. 121 1/2, par. 262E) Sec. 2E. Any person who is regularly engaged in the business of providing or furnishing merchandise to consumers or in making loans to consumers and who has committed in any calendar year 3 or more violations, as determined in any c…

(815 ILCS 505/2EE) Sec. 2EE. Alternative retail electric supplier selection. (a) An alternative retail electric supplier shall not submit or execute a change in a consumer's selection of a provider of electric service unless and until: (i) the alternative retail electric supplier…

(815 ILCS 505/2EEE) Sec. 2EEE. Natural gas service advertising. Any advertisement for natural gas service that lists rates shall clearly and conspicuously disclose all associated costs for such service including, but not limited to, access fees and service fees. It is an unfair o…

(815 ILCS 505/2EEEE) Sec. 2EEEE. Credit reporting; medical debt. (a) As used in this Section: "Collection action" means any referral of a bill to a collection agency or law firm to collect payment for services from a consumer for health care services. "Collection agency" means an…

(815 ILCS 505/2F) (from Ch. 121 1/2, par. 262F) Sec. 2F. Any person who is held in any civil or criminal proceeding to have wilfully and materially violated any Illinois statutory provision regulating the extension of credit to borrowers or designed to protect the consumer purcha…

(815 ILCS 505/2FF) Sec. 2FF. Electric service fraud; elderly persons or persons with disabilities; additional penalties. With respect to the advertising, sale, provider selection, billings, or collections relating to the provision of electric service, where the consumer is an eld…

(815 ILCS 505/2FFF) Sec. 2FFF. All personal information relating to the customer of transmission, distribution, metering, or billing of natural gas service, or the customer purchasing the commodity of natural gas to be delivered through the distribution system of a natural gas pr…

(815 ILCS 505/2FFFF) Sec. 2FFFF. Violations of the Pawnbroker Regulation Act of 2023. Any person who violates Article 15 of the Pawnbroker Regulation Act of 2023 commits an unlawful practice within the meaning of this Act. (Source: P.A. 103-585, eff. 3-22-24; 104-417, eff. 8-15-2…

(815 ILCS 505/2G) (from Ch. 121 1/2, par. 262G) Sec. 2G. If an installment seller wilfully and materially resells goods he has repossessed from a buyer in default to a person who is not a good faith purchaser for value or with whom the seller is in collusion or if the seller rese…

(815 ILCS 505/2GG) Sec. 2GG. Electric service advertising. Any advertisement for electric service that lists rates shall clearly and conspicuously disclose all associated costs for such service including, but not limited to, access fees and service fees. (Source: P.A. 90-561, eff…

(815 ILCS 505/2GGG) Sec. 2GGG. Prohibition of prize promotions to solicit authority to provide alternative natural gas service. (a) It is an unfair or deceptive act or practice within the meaning of Section 2 of this Act for any person to solicit authority to execute a change of …

(815 ILCS 505/2GGGG) Sec. 2GGGG. Violations concerning teledentistry under the Illinois Dental Practice Act. Any person who violates Section 17.2 of the Illinois Dental Practice Act commits an unlawful practice within the meaning of this Act. (Source: P.A. 103-902, eff. 8-9-24; 1…