Illinois Department of Financial & Professional Regulation Illinois Department of Financial & Professional Regulation
 
Manuel Flores, Acting Secretary  
Pat Quinn, Governor
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Illinois Fairness in Lending Act

The Illinois Fairness in Lending Act prohibits the following acts in contemplation of making any loan to any person:

Deny or vary the terms of a loan on the basis that a specific parcel of real estate
offered as security is located in a specific geographical area.

Deny or vary the terms of a loan without having considered all of the regular
and dependable income of each person who would be
liable for repayment of the loan.

Deny or vary the terms of a loan on the sole basis of the childbearing capacity of an
applicant or an applicant's spouse.

Utilize lending standards that have no economic basis and which are discriminatory in effect.

 
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