Illinois Compiled Statutes
775 ILCS 5/ - Illinois Human Rights Act.
Article 4 - Financial Credit

(775 ILCS 5/Art. 4 heading)

(775 ILCS 5/4-101) (from Ch. 68, par. 4-101)
Sec. 4-101. Definitions.

The following definitions are applicable strictly
in the context of this Article:
(A) Credit Card. "Credit card" has the meaning set forth in Section 17-0.5 of the Criminal Code of 2012.
(B) Financial Institution. "Financial institution" means any bank, credit
union, insurance company, mortgage banking company or savings and loan
association which operates or has a place of business in this State.
(C) Loan. "Loan" includes, but is not limited to, the providing of funds,
for consideration, which are sought for: (1) the purpose of purchasing,
constructing, improving, repairing, or maintaining a housing accommodation
as that term is defined in paragraph (C) of Section 3-101; or (2) any commercial or
industrial purposes.
(D) Varying Terms. "Varying the terms of a loan" includes, but is not
limited to, the following practices:
(Source: P.A. 96-1551, eff. 7-1-11; 97-1150, eff. 1-25-13.)

(775 ILCS 5/4-102) (from Ch. 68, par. 4-102)
Sec. 4-102.
Civil Rights Violations: Loans.
It shall be a civil rights
violation for any financial institution, on the grounds of unlawful discrimination, to:
(A) Denial of Services. Deny any person any of the services normally
offered by such an institution.
(B) Modification of Services. Provide any person with any service which
is different from, or provided in a different manner than, that which is
provided to other persons similarly situated.
(C) Loan Terms. Deny or vary the terms of a loan.
(D) Property Location. 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.
(E) Consideration of Income. 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.
(F) Lending Standards. Utilize lending standards that have no economic
basis and which constitute unlawful discrimination.

(Source: P.A. 81-1216.)

(775 ILCS 5/4-103) (from Ch. 68, par. 4-103)
Sec. 4-103.
Credit Cards.
It is a civil rights violation for a person
who offers credit cards to the public in this State:
(Source: P.A. 81-1216.)

(775 ILCS 5/4-104) (from Ch. 68, par. 4-104)
Sec. 4-104. Exemptions. Nothing contained in this Article shall
prohibit:
(Source: P.A. 100-201, eff. 8-18-17.)