State of Illinois
90th General Assembly
Legislation

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90_HB0271

      205 ILCS 616/50
      720 ILCS 250/3            from Ch. 17, par. 5916
      720 ILCS 250/4            from Ch. 17, par. 5917
      720 ILCS 250/5            from Ch. 17, par. 5918
      720 ILCS 250/6            from Ch. 17, par. 5919
      720 ILCS 250/7            from Ch. 17, par. 5920
      720 ILCS 250/8            from Ch. 17, par. 5921
      720 ILCS 250/12           from Ch. 17, par. 5925
          Amends the Electronic Fund Transfer Act.   Requires  that
      terminals  display a notice of charges and a notice reminding
      users to take their receipt and  to  protect  their  personal
      identification   number;  requires  that  receipts  given  at
      terminals partially obscure the user's account number that is
      printed on the receipt. Amends the Illinois Credit  Card  and
      Debit Card Act.  With respect to certain offenses (including:
      making a false written statement for the purpose of procuring
      a card; receiving another person's card with intent to use it
      without   the  cardholder's  consent;  and  other  offenses),
      increases the penalty from a Class A or B  misdemeanor  to  a
      Class  4  felony.   When a greater penalty is provided for an
      offense (for  example,  for  committing,  within  a  12-month
      period,  an  offense  with  respect  to  3 or more cards each
      issued to different cardholders  other  than  the  offender),
      increases  the  greater penalty from a Class A misdemeanor or
      Class 4 felony to a Class 3 felony.
                                                     LRB9000621DJcd
                                               LRB9000621DJcd
 1        AN ACT concerning financial transactions, amending  named
 2    Acts.
 3        Be  it  enacted  by  the People of the State of Illinois,
 4    represented in the General Assembly:
 5        Section  5.  The Electronic Fund Transfer Act is  amended
 6    by changing Section 50 as follows:
 7        (205 ILCS 616/50)
 8        Sec. 50. Terminal requirements.
 9        (a)  To   assure  maximum  safety  and  security  against
10    malfunction, fraud, theft, and other accidents or abuses  and
11    to assure that all access devices will have the capability of
12    activating  all  terminals  established  in  this  State,  no
13    terminal  shall accept an access device that does not conform
14    to specifications that are generally accepted.  In  the  case
15    of a dispute concerning the specifications, the Commissioner,
16    in  accordance with the provisions of Section 20 of this Act,
17    shall have the authority to determine the specifications.
18        (b)  No terminal that does not accept  an  access  device
19    that  conforms with those specifications shall be established
20    or operated.
21        (c)  A  terminal  shall  bear   a   logotype   or   other
22    identification  symbol  designed  to  advise  customers which
23    access devices may activate the terminal.
24        (d)  When used to perform an interchange  transaction,  a
25    terminal  shall  not bear any form of proprietary advertising
26    of  products  and  services  not  offered  at  the  terminal;
27    provided,  however,  that  a   terminal   screen   may   bear
28    proprietary  advertising of products or services offered by a
29    financial institution when a person  uses  an  access  device
30    issued by that financial institution.
31        (e)  A  terminal  shall  display  a  notice  stating  all
                            -2-                LRB9000621DJcd
 1    charges  imposed  for  electronic fund transfers initiated at
 2    the terminal.  The notice shall be in the form  of  either  a
 3    sign  or  a  video  recording.   The  terminal shall enable a
 4    person initiating an electronic fund transfer at the terminal
 5    to cancel  the  transfer  after  the  notice  of  charges  is
 6    displayed.
 7        (f)  A   terminal  shall  prominently  display  a  notice
 8    reminding persons initiating an electronic fund  transfer  at
 9    the  terminal  to  take  their  receipt  after concluding the
10    transfer and to protect their personal identification  number
11    or other access device.
12        (g)  A  receipt  given  at  a  terminal  to  a person who
13    initiates an electronic fund transfer at the  terminal  shall
14    partially obscure the person's account number that is printed
15    on the receipt.
16    (Source: P.A. 89-310, eff. 1-1-96.)
17        Section  10.  The Illinois Credit Card and Debit Card Act
18    is amended by changing Sections 3, 4, 5, 6, 7, 8, and  12  as
19    follows:
20        (720 ILCS 250/3) (from Ch. 17, par. 5916)
21        Sec.  3.  A person who makes or causes to be made, either
22    directly or  indirectly,  any  false  statement  in  writing,
23    knowing  it to be false and with intent that it be relied on,
24    respecting his identity, his address or  his  employment,  or
25    that  of  any  other  person,  firm  or  corporation, for the
26    purpose of procuring the issuance of a credit card  or  debit
27    card, is guilty of a Class 4 felony A misdemeanor.
28    (Source: P.A. 84-486.)
29        (720 ILCS 250/4) (from Ch. 17, par. 5917)
30        Sec. 4. A person who receives a credit card or debit card
31    from  the  person,  possession, custody or control of another
                            -3-                LRB9000621DJcd
 1    without the cardholder's consent or who, with knowledge  that
 2    it  has  been  so  acquired receives the credit card or debit
 3    card, with intent to use it or to sell it, or to transfer  it
 4    to a person other than the issuer or the cardholder is guilty
 5    of  a  Class  4 felony A misdemeanor. A person who has in his
 6    possession or under his control 2 or more such  credit  cards
 7    or  debit  cards  each  issued to different cardholders other
 8    than himself is presumed to have violated this Section.
 9        A person who,  in  any  12-month  period,  violates  this
10    Section with respect to 3 or more credit cards or debit cards
11    each  issued  to  different cardholders other than himself is
12    guilty of a Class 3 4 felony.
13    (Source: P.A. 84-486.)
14        (720 ILCS 250/5) (from Ch. 17, par. 5918)
15        Sec. 5. A person who receives a credit card or debit card
16    that he knows to have been lost or mislaid  and  who  retains
17    possession with intent to use it or to sell it or to transfer
18    it  to  a  person  other than the issuer or the cardholder is
19    guilty of a Class 4 felony B misdemeanor.
20        A person who, in  a  single  transaction,  violates  this
21    Section with respect to 3 or more credit cards or debit cards
22    each  issued  to  different cardholders other than himself is
23    guilty of a Class 3 felony A misdemeanor.
24    (Source: P.A. 84-486.)
25        (720 ILCS 250/6) (from Ch. 17, par. 5919)
26        Sec. 6. A person other than the issuer who sells a credit
27    card or debit card, without the consent  of  the  issuer,  is
28    guilty of a Class 4 felony A misdemeanor.
29        A person who purchases a credit card or debit card from a
30    person  other  than  the  issuer,  without the consent of the
31    issuer, is guilty of a Class 4 felony A misdemeanor.
32        A person who, in a single transaction, makes  a  sale  or
                            -4-                LRB9000621DJcd
 1    purchase prohibited by this Section with respect to 3 or more
 2    credit   cards  or  debit  cards  each  issued  to  different
 3    cardholders is guilty of a Class 3 4 felony.
 4    (Source: P.A. 84-486.)
 5        (720 ILCS 250/7) (from Ch. 17, par. 5920)
 6        Sec. 7. A person who, with intent to defraud  either  the
 7    issuer,   or  a  person  providing  money,  goods,  property,
 8    services or anything else of  value,  or  any  other  person,
 9    obtains  control over a credit card or debit card as security
10    for debt or transfers, conveys or gives control over a credit
11    card or debit card as security for debt, is guilty of a Class
12    4 felony A misdemeanor.
13    (Source: P.A. 84-486.)
14        (720 ILCS 250/8) (from Ch. 17, par. 5921)
15        Sec. 8.  A person who, with intent to defraud either  the
16    issuer,   or  a  person  providing  money,  goods,  property,
17    services or anything else of value, or any other person,  (i)
18    uses,  for  the  purpose of obtaining money, goods, property,
19    services or anything else of value a  credit  card  or  debit
20    card obtained or retained in violation of this Act or without
21    the  cardholder's  consent,  or  a  credit card or debit card
22    which he knows is counterfeited, or forged,  or  expired,  or
23    revoked,  or (ii) obtains or attempts to obtain money, goods,
24    property, services or anything else of value by  representing
25    without  the  consent of the cardholder that he is the holder
26    of a specified card or by representing that he is the  holder
27    of  a  card  and  such  card  has not in fact been issued, is
28    guilty of a Class 4 felony A misdemeanor if the value of  all
29    money,  goods,  property,  services and other things of value
30    obtained or sought in violation  of  this  Section  does  not
31    exceed $300 in any 6-month period; and is guilty of a Class 3
32    4  felony  if  such value exceeds $300 in any 6-month period.
                            -5-                LRB9000621DJcd
 1    Knowledge of  revocation  shall  be  presumed  to  have  been
 2    received  by  a cardholder 4 days after it has been mailed to
 3    him at the address set forth on the credit card or debit card
 4    or at his last known address by registered or certified mail,
 5    return receipt requested, and, if the address  is  more  than
 6    500  miles  from  the  place  of mailing, by air mail. If the
 7    address is located outside the United  States,  Puerto  Rico,
 8    the  Virgin  Islands, the Canal Zone and Canada, notice shall
 9    be presumed to have been received 10 days  after  mailing  by
10    registered or certified mail.
11    (Source: P.A. 84-486.)
12        (720 ILCS 250/12) (from Ch. 17, par. 5925)
13        Sec.  12.  A person who, with intent to defraud either an
14    issuer,  or  a  person  providing  money,  goods,   property,
15    services  or  anything  else  of  value, or any other person,
16    utilizes an account number or code or enters information on a
17    record of charge form for the  purpose  of  obtaining  money,
18    goods, property, services or anything else of value is guilty
19    of  a Class 4 felony A misdemeanor if the value of the money,
20    goods, property, services and other things of value  obtained
21    does  not exceed $150 in any 6-month period; and is guilty of
22    a Class 3 4 felony if such value exceeds $150 in any  6-month
23    period.
24        A  person who, with intent to defraud either an issuer or
25    a  person  providing  money,  goods,  property,  services  or
26    anything else of  value,  or  any  other  person,  possesses,
27    without the consent of the issuer or purported issuer, record
28    of  charge  forms  bearing the printed impression of a credit
29    card or  debit  card,  is  guilty  of  a  Class  4  felony  A
30    misdemeanor.  Possession  of such record of charge forms by a
31    person other than the issuer or a person  authorized  by  the
32    issuer  to  possess  record  of  charge  forms is prima facie
33    evidence of the intent to defraud.
                            -6-                LRB9000621DJcd
 1    (Source: P.A. 84-486.)

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