 |
Illinois Administrative Code (Last Updated: March 27, 2024) |
 |
TITLE38. FINANCIAL INSTITUTIONS |
|
|
PART190. ILLINOIS CREDIT UNION ACT |
| SUBPART A. GENERAL PROVISIONS |
| § 190.2. Definitions |
| § 190.5. Credit Union Service Organizations |
| § 190.10. Field of Membership Procedures |
| § 190.15. Civil Penalty |
| § 190.19. Service of Orders |
| § 190.20. Petition for Hearings |
| § 190.25. Regulatory Examination Consistency and Due Process |
| § 190.30. Cease and Desist Procedures |
| § 190.40. Removal or Suspension Procedures |
| § 190.50. Fees |
| § 190.60. General Accounting Procedures |
| § 190.70. Loan Loss Accounting Procedures |
| § 190.80. Use of Electronic Data Processing |
| § 190.90. Fixed Asset Investments |
| § 190.100. Classes of Share and Special Purpose Share Accounts |
| § 190.110. Share Drafts |
| § 190.120. Bond and Insurance Requirements |
| § 190.130. Verification of Share and Loan Accounts |
| § 190.140. Real Estate Lending |
| § 190.150. Reverse Mortgage [Repealed] |
| § 190.160. Lending Limits – Consumer Loans |
| § 190.165. Business Loans |
| § 190.170. Group Purchasing |
| § 190.180. Investments |
| § 190.185. Investment in "Other Financial Institutions" |
| § 190.190. Liquidation |
| § 190.200. Conversion of Charter |
| § 190.210. Reimbursement for Financial Records |
| § 190.220. Registration of Out of State Credit Unions |
| § 190.230. Remote Meetings |
| SUBPART B. HIGH RISK HOME LOANS |
| § 190.500. Definitions [Repealed] |
| § 190.505. Applicability of Rule [Repealed] |
| § 190.510. Good Faith Requirements [Repealed] |
| § 190.515. Fraudulent or Deceptive Practices [Repealed] |
| § 190.520. Prohibited Refinances [Repealed] |
| § 190.525. Negative Amortization [Repealed] |
| § 190.530. Negative Equity [Repealed] |
| § 190.535. Balloon Payments [Repealed] |
| § 190.540. Financing of Certain Points and Fees [Repealed] |
| § 190.545. Financing of Single Premium Insurance Products [Repealed] |
| § 190.550. Lending Without Due Regard to Ability to Repay [Repealed] |
| § 190.555. Verification of Ability to Repay [Repealed] |
| § 190.560. Payments to Contractors [Repealed] |
| § 190.565. Counseling Prior to Perfecting Foreclosure [Repealed] |
| § 190.570. Mortgage Awareness Program [Repealed] |
| § 190.575. Offer of Mortgage Awareness Program [Repealed] |
| § 190.580. Third Party Review [Repealed] |
| SUBPART C. PAYDAY LOANS |
| § 190.600. Definitions |
| § 190.601. Purpose and Scope |
| § 190.605. Applicability of Rule |
| § 190.610. Issuance of Payday Loans by Credit Unions |
| SUBPART D. DISCLOSURE OF CONFIDENTIAL SUPERVISORY INFORMATION |
| § 190.700. Definitions |
| § 190.701. Purpose and Scope |
| § 190.710. Requests for Confidential Supervisory Information |
| § 190.720. Request Submission |
| § 190.730. Consideration of Requests |
| § 190.740. Disclosure of Confidential Supervisory Information |
| § 190.750. Retrieval and Destruction of Previously Disclosed Confidential Supervisory Information Used in Litigation |
| § 190.760. Fees for Services |
| § 190.APPENDIX A. Estimated Monthly Income and Expenses Worksheet [Repealed] |
| § 190.APPENDIX B. Mortgage Ratio Worksheet [Repealed] |
|
SOURCE: Adopted at 4 Ill. Reg. 20, p. 17, effective May 7, 1980; amended at 6 Ill. Reg. 11154, effective September 7, 1982; amended and codified at 7 Ill. Reg. 14973, effective October 26, 1983; emergency amendment at 9 Ill. Reg. 14378, effective September 11, 1985, for a maximum of 150 days; amended at 9 Ill. Reg. 16231, effective October 10, 1985; amended at 10 Ill. Reg. 14667, effective August 27, 1986; amended at 12 Ill. Reg. 10464, effective June 7, 1988; amended at 12 Ill. Reg. 17383, effective October 24, 1988; amended at 13 Ill. Reg. 3793, effective March 10, 1989; amended at 13 Ill. Reg. 15998, effective October 2, 1989; emergency amendment at 16 Ill. Reg. 12781, effective July 29, 1992, for a maximum of 150 days; amended at 16 Ill. Reg. 17073, effective October 26, 1992; amended at 19 Ill. Reg. 2826, effective February 24, 1995; amended at 20 Ill. Reg. 5803, effective April 8, 1996; emergency amendment at 20 Ill. Reg. 13093, effective September 27, 1996, for a maximum of 150 days; emergency expired February 17, 1997; amended at 22 Ill. Reg. 17317, effective September 15, 1998; emergency amendment at 23 Ill. Reg. 3086, effective February 23, 1999, for a maximum of 150 days; emergency expired July 22, 1999; amended at 23 Ill. Reg. 12614, effective October 4, 1999; amended at 23 Ill. Reg. 14031, effective November 12, 1999; amended at 25 Ill. Reg. 6244, effective May 17, 2001; amended at 25 Ill. Reg. 13278, effective October 19, 2001; amended at 26 Ill. Reg. 17999, effective December 9, 2002; amended at 28 Ill. Reg. 11699, effective July 29, 2004; amended at 29 Ill. Reg. 10579, effective July 8, 2005; amended at 30 Ill. Reg. 18919, effective December 4, 2006; amended at 32 Ill. Reg. 1377, effective January 16, 2008; amended at 34 Ill. Reg. 10500, effective July 12, 2010; amended at 37 Ill. Reg. 12450, effective July 16, 2013; amended at 38 Ill. Reg. 19910, effective October 17, 2014; amended at 41 Ill. Reg. 4764, effective May 1, 2017; amended at 41 Ill. Reg. 11307, effective August 28, 2017; amended at 43 Ill. Reg. 303, effective January 1, 2019; amended at 44 Ill. Reg. 18320, effective November 13, 2020; emergency amendment at 45 Ill. Reg. 1186, effective January 8, 2021, for a maximum of 150 days; amended at 45 Ill. Reg. 5829, effective April 23, 2021; emergency amendment at 45 Ill. Reg. 13695, effective October 15, 2021, for a maximum of 150 days; amended at 46 Ill. Reg. 2641, effective January 28, 2022; emergency amendment at 46 Ill. Reg. 6135, effective March 29, 2022, for a maximum of 150 days; emergency expired August 25, 2022; amended at 46 Ill. Reg. 12537, effective July 8, 2022; amended at 46 Ill. Reg. 16221, effective September 26, 2022; amended at 46 Ill. Reg. 18508, effective November 1, 2022; expedited correction at 47 Ill. Reg. 7025, effective November 1, 2022.
|
Notation
AUTHORITY: Implementing and authorized by the Illinois Credit Union Act [205 ILCS 305].