SUBPART A. GENERAL PROVISIONS

§ 110.1. Definitions

§ 110.2. Rate Cap Disclosure Notices

§ 110.5. Applicability

§ 110.10. Record Keeping

§ 110.15. Application for License; Controlling Person

§ 110.20. Loan Register

§ 110.30. Individual Account Records

§ 110.40. File of Original Papers

§ 110.50. Cash Book

§ 110.60. Alphabetical Record of Co-Makers, Obligors or Guarantors

§ 110.65. Permanent File

§ 110.70. Payments

§ 110.80. Interest-Bearing Loans

§ 110.90. Cancellation and Return of Documents

§ 110.100. Precomputed Loans

§ 110.105. Delinquency or Default Charges

§ 110.110. Hypothecation at the Time of the Sale of Obligor's Notes

§ 110.120. Legal Forms

§ 110.130. Judgments

§ 110.140. Sale of Security

§ 110.150. Trouble File [Repealed]

§ 110.155. Schedule of Fines

§ 110.160. Lien Charges

§ 110.170. Insurance and Other Products

§ 110.180. Office and Office Hours

§ 110.190. Advertising

§ 110.200. Business Practices

§ 110.210. Examinations

§ 110.215. Remittances

§ 110.216. Small Consumer Loans; Charges Permitted [Repealed]

§ 110.220. Credit Practices

§ 110.225. Verification of Amount Owing

§ 110.230. Wage Assignments

§ 110.235. Relocation

§ 110.236. Name Change

§ 110.240. Hearing Procedures

§ 110.250. Limited Purpose Branch

§ 110.260. Off-Site Records

§ 110.265. Servicing of Accounts by Contract

§ 110.270. Revocation or Suspension of License

§ 110.280. Gross Monthly Income Verification - Official Documentation [Repealed]

§ 110.290. Consumer Service

SUBPART B. TITLE-SECURED LENDING

§ 110.300. Definitions

§ 110.310. Applicability of Rule

§ 110.320. Application for License [Repealed]

§ 110.330. Renewal of License [Repealed]

§ 110.340. Loan Terms

§ 110.350. Release of Lien

§ 110.360. Availability of Debt Management Services

§ 110.370. Lending Limits and Refinancing

§ 110.380. Second Notice

§ 110.390. Possession of Vehicle

§ 110.400. Loan Proceeds

§ 110.410. Security Interest

§ 110.420. Approved Database

§ 110.430. Gross Monthly Income Verification

SUBPART C. MORTGAGE LENDING

§ 110.500. Definitions [Repealed]

§ 110.505. Applicability of Rule [Repealed]

§ 110.510. Good Faith Requirements [Repealed]

§ 110.515. Fraudulent or Deceptive Practices [Repealed]

§ 110.520. Prohibited Refinances [Repealed]

§ 110.525. Negative Amortization [Repealed]

§ 110.530. Negative Equity [Repealed]

§ 110.535. Balloon Payments [Repealed]

§ 110.540. Financing of Certain Points and Fees [Repealed]

§ 110.545. Financing of Single Premium Insurance Products [Repealed]

§ 110.550. Lending Without Due Regard to Ability to Repay [Repealed]

§ 110.555. Verification of Ability to Repay [Repealed]

§ 110.560. Payments to Contractors [Repealed]

§ 110.565. Counseling Prior to Perfecting Foreclosure [Repealed]

§ 110.570. Mortgage Awareness Program [Repealed]

§ 110.575. Offer of Mortgage Awareness Program [Repealed]

§ 110.580. Third Party Review [Repealed]

§ 110.APPENDIX A. Estimated Monthly Income and Expenses Worksheet [Repealed]

§ 110.APPENDIX B. Mortgage Ratio Worksheet [Repealed]

§ 110.APPENDIX C. Disclosure of 36% Rate Cap

§ 110.TABLE A. Illinois Rule of 78 Fractions for Rebating Charges According to Number of Months Originally Contracted For and Number of Months Prepaid in Full for Contracts of 2 to 120 Months [Repealed]

§ 110.TABLE B. Rule of 78 Percentage Rebate Table [Repealed]

SOURCE: Filed and effective June 19, 1970; amended at 3 Ill. Reg. 24, p. 16, effective June 15, 1979; emergency amendment at 4 Ill. Reg. 5, p. 372, effective January 16, 1980, for a maximum of 150 days; amended at 4 Ill. Reg. 36, p. 138, effective September 22, 1980; amended at 5 Ill. Reg. 1352, effective February 3, 1981; codified at 7 Ill. Reg. 11721; amended at 9 Ill. Reg. 1343, effective January 17, 1985; amended at 11 Ill. Reg. 2749, effective January 28, 1987; emergency amendment at 11 Ill. Reg. 14141, effective August 7, 1987, for a maximum of 150 days; amended at 12 Ill. Reg. 10456, effective June 7, 1988; amended at 19 Ill. Reg. 44, effective December 22, 1994; amended at 20 Ill. Reg. 5799, effective April 8, 1996; emergency amendment at 22 Ill. Reg. 1485, effective January 2, 1998, for a maximum of 150 days; emergency expired May 31, 1998; amended at 22 Ill. Reg. 13657, effective July 14, 1998; amended at 25 Ill. Reg. 6227, effective May 17, 2001; amended at 25 Ill. Reg. 7456, effective August 1, 2001; expedited correction at 29 Ill. Reg. 5776, effective August 1, 2001; amended at 26 Ill. Reg. 14232, effective October 1, 2002; amended at 30 Ill. Reg. 12558, effective July 7, 2006; amended at 33 Ill. Reg. 4142, effective April 1, 2009; amended at 35 Ill. Reg. 7319, effective April 21, 2011; amended at 41 Ill. Reg. 12380, effective October 6, 2017; amended at 45 Ill. Reg. 4449, effective March 24, 2021; amended at 26 Ill. Reg. 6519, effective August 1, 2022; amended at 46 Ill. Reg. 17939, effective October 27, 2022; amended at 47 Ill. Reg. 9271, effective June 20, 2023.