Public Act 094-0280
 
HB4050 Enrolled LRB094 11549 MKM 42525 b

    AN ACT concerning lending practices.
 
    Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
 
    Section 5. The Freedom of Information Act is amended by
changing Section 7 as follows:
 
    (5 ILCS 140/7)  (from Ch. 116, par. 207)
    Sec. 7. Exemptions.
    (1) The following shall be exempt from inspection and
copying:
        (a) Information specifically prohibited from
    disclosure by federal or State law or rules and regulations
    adopted under federal or State law.
        (b) Information that, if disclosed, would constitute a
    clearly unwarranted invasion of personal privacy, unless
    the disclosure is consented to in writing by the individual
    subjects of the information. The disclosure of information
    that bears on the public duties of public employees and
    officials shall not be considered an invasion of personal
    privacy. Information exempted under this subsection (b)
    shall include but is not limited to:
            (i) files and personal information maintained with
        respect to clients, patients, residents, students or
        other individuals receiving social, medical,
        educational, vocational, financial, supervisory or
        custodial care or services directly or indirectly from
        federal agencies or public bodies;
            (ii) personnel files and personal information
        maintained with respect to employees, appointees or
        elected officials of any public body or applicants for
        those positions;
            (iii) files and personal information maintained
        with respect to any applicant, registrant or licensee
        by any public body cooperating with or engaged in
        professional or occupational registration, licensure
        or discipline;
            (iv) information required of any taxpayer in
        connection with the assessment or collection of any tax
        unless disclosure is otherwise required by State
        statute;
            (v) information revealing the identity of persons
        who file complaints with or provide information to
        administrative, investigative, law enforcement or
        penal agencies; provided, however, that identification
        of witnesses to traffic accidents, traffic accident
        reports, and rescue reports may be provided by agencies
        of local government, except in a case for which a
        criminal investigation is ongoing, without
        constituting a clearly unwarranted per se invasion of
        personal privacy under this subsection; and
            (vi) the names, addresses, or other personal
        information of participants and registrants in park
        district, forest preserve district, and conservation
        district programs.
        (c) Records compiled by any public body for
    administrative enforcement proceedings and any law
    enforcement or correctional agency for law enforcement
    purposes or for internal matters of a public body, but only
    to the extent that disclosure would:
            (i) interfere with pending or actually and
        reasonably contemplated law enforcement proceedings
        conducted by any law enforcement or correctional
        agency;
            (ii) interfere with pending administrative
        enforcement proceedings conducted by any public body;
            (iii) deprive a person of a fair trial or an
        impartial hearing;
            (iv) unavoidably disclose the identity of a
        confidential source or confidential information
        furnished only by the confidential source;
            (v) disclose unique or specialized investigative
        techniques other than those generally used and known or
        disclose internal documents of correctional agencies
        related to detection, observation or investigation of
        incidents of crime or misconduct;
            (vi) constitute an invasion of personal privacy
        under subsection (b) of this Section;
            (vii) endanger the life or physical safety of law
        enforcement personnel or any other person; or
            (viii) obstruct an ongoing criminal investigation.
        (d) Criminal history record information maintained by
    State or local criminal justice agencies, except the
    following which shall be open for public inspection and
    copying:
            (i) chronologically maintained arrest information,
        such as traditional arrest logs or blotters;
            (ii) the name of a person in the custody of a law
        enforcement agency and the charges for which that
        person is being held;
            (iii) court records that are public;
            (iv) records that are otherwise available under
        State or local law; or
            (v) records in which the requesting party is the
        individual identified, except as provided under part
        (vii) of paragraph (c) of subsection (1) of this
        Section.
        "Criminal history record information" means data
    identifiable to an individual and consisting of
    descriptions or notations of arrests, detentions,
    indictments, informations, pre-trial proceedings, trials,
    or other formal events in the criminal justice system or
    descriptions or notations of criminal charges (including
    criminal violations of local municipal ordinances) and the
    nature of any disposition arising therefrom, including
    sentencing, court or correctional supervision,
    rehabilitation and release. The term does not apply to
    statistical records and reports in which individuals are
    not identified and from which their identities are not
    ascertainable, or to information that is for criminal
    investigative or intelligence purposes.
        (e) Records that relate to or affect the security of
    correctional institutions and detention facilities.
        (f) Preliminary drafts, notes, recommendations,
    memoranda and other records in which opinions are
    expressed, or policies or actions are formulated, except
    that a specific record or relevant portion of a record
    shall not be exempt when the record is publicly cited and
    identified by the head of the public body. The exemption
    provided in this paragraph (f) extends to all those records
    of officers and agencies of the General Assembly that
    pertain to the preparation of legislative documents.
        (g) Trade secrets and commercial or financial
    information obtained from a person or business where the
    trade secrets or information are proprietary, privileged
    or confidential, or where disclosure of the trade secrets
    or information may cause competitive harm, including all
    information determined to be confidential under Section
    4002 of the Technology Advancement and Development Act.
    Nothing contained in this paragraph (g) shall be construed
    to prevent a person or business from consenting to
    disclosure.
        (h) Proposals and bids for any contract, grant, or
    agreement, including information which if it were
    disclosed would frustrate procurement or give an advantage
    to any person proposing to enter into a contractor
    agreement with the body, until an award or final selection
    is made. Information prepared by or for the body in
    preparation of a bid solicitation shall be exempt until an
    award or final selection is made.
        (i) Valuable formulae, computer geographic systems,
    designs, drawings and research data obtained or produced by
    any public body when disclosure could reasonably be
    expected to produce private gain or public loss. The
    exemption for "computer geographic systems" provided in
    this paragraph (i) does not extend to requests made by news
    media as defined in Section 2 of this Act when the
    requested information is not otherwise exempt and the only
    purpose of the request is to access and disseminate
    information regarding the health, safety, welfare, or
    legal rights of the general public.
        (j) Test questions, scoring keys and other examination
    data used to administer an academic examination or
    determined the qualifications of an applicant for a license
    or employment.
        (k) Architects' plans, engineers' technical
    submissions, and other construction related technical
    documents for projects not constructed or developed in
    whole or in part with public funds and the same for
    projects constructed or developed with public funds, but
    only to the extent that disclosure would compromise
    security, including but not limited to water treatment
    facilities, airport facilities, sport stadiums, convention
    centers, and all government owned, operated, or occupied
    buildings.
        (l) Library circulation and order records identifying
    library users with specific materials.
        (m) Minutes of meetings of public bodies closed to the
    public as provided in the Open Meetings Act until the
    public body makes the minutes available to the public under
    Section 2.06 of the Open Meetings Act.
        (n) Communications between a public body and an
    attorney or auditor representing the public body that would
    not be subject to discovery in litigation, and materials
    prepared or compiled by or for a public body in
    anticipation of a criminal, civil or administrative
    proceeding upon the request of an attorney advising the
    public body, and materials prepared or compiled with
    respect to internal audits of public bodies.
        (o) Information received by a primary or secondary
    school, college or university under its procedures for the
    evaluation of faculty members by their academic peers.
        (p) Administrative or technical information associated
    with automated data processing operations, including but
    not limited to software, operating protocols, computer
    program abstracts, file layouts, source listings, object
    modules, load modules, user guides, documentation
    pertaining to all logical and physical design of
    computerized systems, employee manuals, and any other
    information that, if disclosed, would jeopardize the
    security of the system or its data or the security of
    materials exempt under this Section.
        (q) Documents or materials relating to collective
    negotiating matters between public bodies and their
    employees or representatives, except that any final
    contract or agreement shall be subject to inspection and
    copying.
        (r) Drafts, notes, recommendations and memoranda
    pertaining to the financing and marketing transactions of
    the public body. The records of ownership, registration,
    transfer, and exchange of municipal debt obligations, and
    of persons to whom payment with respect to these
    obligations is made.
        (s) The records, documents and information relating to
    real estate purchase negotiations until those negotiations
    have been completed or otherwise terminated. With regard to
    a parcel involved in a pending or actually and reasonably
    contemplated eminent domain proceeding under Article VII
    of the Code of Civil Procedure, records, documents and
    information relating to that parcel shall be exempt except
    as may be allowed under discovery rules adopted by the
    Illinois Supreme Court. The records, documents and
    information relating to a real estate sale shall be exempt
    until a sale is consummated.
        (t) Any and all proprietary information and records
    related to the operation of an intergovernmental risk
    management association or self-insurance pool or jointly
    self-administered health and accident cooperative or pool.
        (u) Information concerning a university's adjudication
    of student or employee grievance or disciplinary cases, to
    the extent that disclosure would reveal the identity of the
    student or employee and information concerning any public
    body's adjudication of student or employee grievances or
    disciplinary cases, except for the final outcome of the
    cases.
        (v) Course materials or research materials used by
    faculty members.
        (w) Information related solely to the internal
    personnel rules and practices of a public body.
        (x) Information contained in or related to
    examination, operating, or condition reports prepared by,
    on behalf of, or for the use of a public body responsible
    for the regulation or supervision of financial
    institutions or insurance companies, unless disclosure is
    otherwise required by State law.
        (y) Information the disclosure of which is restricted
    under Section 5-108 of the Public Utilities Act.
        (z) Manuals or instruction to staff that relate to
    establishment or collection of liability for any State tax
    or that relate to investigations by a public body to
    determine violation of any criminal law.
        (aa) Applications, related documents, and medical
    records received by the Experimental Organ Transplantation
    Procedures Board and any and all documents or other records
    prepared by the Experimental Organ Transplantation
    Procedures Board or its staff relating to applications it
    has received.
        (bb) Insurance or self insurance (including any
    intergovernmental risk management association or self
    insurance pool) claims, loss or risk management
    information, records, data, advice or communications.
        (cc) Information and records held by the Department of
    Public Health and its authorized representatives relating
    to known or suspected cases of sexually transmissible
    disease or any information the disclosure of which is
    restricted under the Illinois Sexually Transmissible
    Disease Control Act.
        (dd) Information the disclosure of which is exempted
    under Section 30 of the Radon Industry Licensing Act.
        (ee) Firm performance evaluations under Section 55 of
    the Architectural, Engineering, and Land Surveying
    Qualifications Based Selection Act.
        (ff) Security portions of system safety program plans,
    investigation reports, surveys, schedules, lists, data, or
    information compiled, collected, or prepared by or for the
    Regional Transportation Authority under Section 2.11 of
    the Regional Transportation Authority Act or the St. Clair
    County Transit District under the Bi-State Transit Safety
    Act.
        (gg) Information the disclosure of which is restricted
    and exempted under Section 50 of the Illinois Prepaid
    Tuition Act.
        (hh) Information the disclosure of which is exempted
    under the State Officials and Employees Ethics Act.
        (ii) Beginning July 1, 1999, information that would
    disclose or might lead to the disclosure of secret or
    confidential information, codes, algorithms, programs, or
    private keys intended to be used to create electronic or
    digital signatures under the Electronic Commerce Security
    Act.
        (jj) Information contained in a local emergency energy
    plan submitted to a municipality in accordance with a local
    emergency energy plan ordinance that is adopted under
    Section 11-21.5-5 of the Illinois Municipal Code.
        (kk) Information and data concerning the distribution
    of surcharge moneys collected and remitted by wireless
    carriers under the Wireless Emergency Telephone Safety
    Act.
        (ll) Vulnerability assessments, security measures, and
    response policies or plans that are designed to identify,
    prevent, or respond to potential attacks upon a community's
    population or systems, facilities, or installations, the
    destruction or contamination of which would constitute a
    clear and present danger to the health or safety of the
    community, but only to the extent that disclosure could
    reasonably be expected to jeopardize the effectiveness of
    the measures or the safety of the personnel who implement
    them or the public. Information exempt under this item may
    include such things as details pertaining to the
    mobilization or deployment of personnel or equipment, to
    the operation of communication systems or protocols, or to
    tactical operations.
        (mm) Maps and other records regarding the location or
    security of a utility's generation, transmission,
    distribution, storage, gathering, treatment, or switching
    facilities.
        (nn) Law enforcement officer identification
    information or driver identification information compiled
    by a law enforcement agency or the Department of
    Transportation under Section 11-212 of the Illinois
    Vehicle Code.
        (oo) Records and information provided to a residential
    health care facility resident sexual assault and death
    review team or the Residential Health Care Facility
    Resident Sexual Assault and Death Review Teams Executive
    Council under the Residential Health Care Facility
    Resident Sexual Assault and Death Review Team Act.
        (pp) Information provided to the predatory lending
    database created pursuant to Article 3 of the Residential
    Real Property Disclosure Act, except to the extent
    authorized under that Article.
    (2) This Section does not authorize withholding of
information or limit the availability of records to the public,
except as stated in this Section or otherwise provided in this
Act.
(Source: P.A. 92-16, eff. 6-28-01; 92-241, eff. 8-3-01; 92-281,
eff. 8-7-01; 92-645, eff. 7-11-02; 92-651, eff. 7-11-02; 93-43,
eff. 7-1-03; 93-209, eff. 7-18-03; 93-237, eff. 7-22-03;
93-325, eff. 7-23-03, 93-422, eff. 8-5-03; 93-577, eff.
8-21-03; 93-617, eff. 12-9-03.)
 
    Section 10. The Residential Real Property Disclosure Act
is amended by adding an Article caption immediately before
Section 1 as follows:
 
ARTICLE 1
SHORT TITLE

 
    Section 15. The Residential Real Property Disclosure Act is
amended by adding an Article caption immediately before Section
5 as follows:
 
ARTICLE 2
DISCLOSURES

 
    Section 20. The Residential Real Property Disclosure Act is
amended by adding an Article caption and by adding Sections 70,
72, 74, and 76 immediately after Section 65 as follows:
 
ARTICLE 3
PREDATORY LENDING DATABASE

 
    (765 ILCS 77/70 new)
    Sec. 70. Predatory lending database pilot program.
    (a) As used in this Article:
    "Borrower" means a person seeking a mortgage loan.
    "Broker" means a "broker" or "loan broker", as defined in
subsection (p) of Section 1-4 of the Residential Mortgage
License Act of 1987.
    "Closing agent" means an individual assigned by a title
insurance company or a broker or originator to ensure that the
execution of documents related to the closing of a real estate
sale or the refinancing of a real estate loan and the
disbursement of closing funds are in conformity with the
instructions of the entity financing the transaction.
    "Department" means the Department of Financial and
Professional Regulation.
    "Exempt person" means that term as it is defined in
subsections (d)(1) and (d)(1.5) of Section 1-4 of the
Residential Mortgage License Act of 1987.
    "Lender" means that term as it is defined in subsection (g)
of Section 1-4 of the Residential Mortgage License Act.
    "Licensee" means that term as it is defined in subsection
(e) of Section 1-4 of the Residential Mortgage License Act of
1987.
    "Mortgage loan" means that term as it is defined in
subsection (f) of Section 1-4 of the Residential Mortgage
License Act of 1987.
    "Originator" means a "loan originator" as defined in
subsection (hh) of Section 1-4 of the Residential Mortgage
License Act of 1987, except an exempt person.
    "Pilot program area" means all areas within Cook County
designated as such by the Department due to the high rate of
foreclosure on residential home mortgages that is primarily the
result of predatory lending practices. The Department shall
designate the pilot program area within 30 days after the
effective date of this amendatory Act of the 94th General
Assembly.
    "Title insurance company" means any domestic company
organized under the laws of this State for the purpose of
conducting the business of guaranteeing or insuring titles to
real estate and any title insurance company organized under the
laws of another State, the District of Columbia, or a foreign
government and authorized to transact the business of
guaranteeing or insuring titles to real estate in this State.
    (b) A predatory lending database pilot program is
established within the pilot program area. The pilot program
shall continue for 4 years after its creation and shall be
administered in accordance with Article 3 of this Act. The
database created under this program shall be maintained and
administered by the Department. The database shall be designed
to allow brokers, originators, credit counselors, title
insurance companies, and closing agents to submit information
to the database online. The database shall not be designed to
allow those entities to retrieve information from the database,
except as otherwise provided in this Article. Information
submitted by the broker or originator to the Department may be
used to populate the online form submitted by a credit
counselor, title insurance company, or closing agent.
    (c) Within 10 days after taking a mortgage application, the
broker or originator for any mortgage on residential property
within the pilot program area must submit to the predatory
lending database all of the information required under Section
72 and any other information required by the Department by
rule. Within 7 days after receipt of the information, the
Department shall compare that information to credit counseling
standards developed by the Department by rule and issue to the
borrower and the broker or originator a determination of
whether credit counseling is recommended for the borrower. The
borrower may not waive credit counseling. If at any time after
submitting the information required under Section 72 the broker
or originator (i) changes the terms of the loan or (ii) issues
a new commitment to the borrower, then, within 5 days
thereafter, the broker or originator shall re-submit all of the
information required under Section 72 and, within 4 days after
receipt of the information re-submitted by the broker or
originator, the Department shall compare that information to
credit counseling standards developed by the Department by rule
and shall issue to the borrower and the broker or originator a
new determination of whether credit counseling is recommended
for the borrower based on the information re-submitted by the
broker or originator.
    (d) If the Department recommends credit counseling for the
borrower under subsection (c), then the Department shall notify
the borrower of all HUD-certified counseling agencies located
within the State and direct the borrower to interview with a
counselor associated with one of those agencies. Within 10 days
after receipt of the notice of HUD-certified counseling
agencies, the borrower shall select one of those agencies and
shall engage in an interview with a counselor associated with
that agency. Within 7 days after interviewing the borrower, the
credit counselor must submit to the predatory lending database
all of the information required under Section 74 and any other
information required by the Department by rule. Any costs
associated with credit counseling provided under the pilot
program shall be paid by the broker or originator.
    (e) The broker or originator and the borrower may not take
any legally binding action concerning the loan transaction
until the later of the following:
        (1) the Department issues a determination not to
    recommend credit counseling for the borrower in accordance
    with subsection (c); or
        (2) the Department issues a determination that credit
    counseling is recommended for the borrower and the credit
    counselor submits all required information to the database
    in accordance with subsection (d).
    (f) Within 10 days after closing, the title insurance
company or closing agent must submit to the predatory lending
database all of the information required under Section 76 and
any other information required by the Department by rule.
    (g) Upon recording the mortgage, the title insurance
company or closing agent must simultaneously file with the
recorder a certificate of its compliance with the requirements
of this Article, as generated by the database. If the title
insurance company or closing agent fails to file the
certificate of compliance, then the mortgage is not recordable.
In addition, if any lis pendens for a residential mortgage
foreclosure is recorded on the property within the pilot
program area, a certificate of service must be simultaneously
recorded that affirms that a copy of the lis pendens was filed
with the Department. If the certificate of service is not
recorded, then the lis pendens pertaining to the residential
mortgage foreclosure in question is not recordable and is of no
force and effect.
    (h) All information provided to the predatory lending
database under the program is confidential and is not subject
to disclosure under the Freedom of Information Act, except as
otherwise provided in this Article. Any borrower may authorize
in writing the release of database information. The Department
may use the information in the database without the consent of
the borrower: (i) for the purposes of administering and
enforcing the pilot program; (ii) to provide relevant
information to a credit counselor providing credit counseling
to a borrower under the pilot program; or (iii) to the
appropriate law enforcement agency or the applicable
administrative agency if the database information demonstrates
criminal, fraudulent, or otherwise illegal activity.
    (i) Nothing in this Article is intended to prevent a
borrower from making his or her own decision as to whether to
proceed with a transaction.
    (j) Any person who violates any provision of this Article
commits an unlawful practice within the meaning of the Consumer
Fraud and Deceptive Business Practices Act.
    (k) Not later than one year after the Department designates
the pilot program area and annually thereafter during the
existence of the pilot program, the Department shall report to
the Governor and to the General Assembly concerning its
administration and the effectiveness of the pilot program.
 
    (765 ILCS 77/72 new)
    Sec. 72. Originator; required information. As part of the
predatory lending database pilot program, the broker or
originator must submit all of the following information for
inclusion in the predatory lending database for each loan for
which the originator takes an application:
        (1) The borrower's name, address, social security
    number or taxpayer identification number, date of birth,
    and income and expense information contained in the
    mortgage application.
        (2) The address, permanent index number, and a
    description of the collateral and information about the
    loan or loans being applied for and the loan terms,
    including the amount of the loan, the rate and whether the
    rate is fixed or adjustable, amortization or loan period
    terms, and any other material terms.
        (3) The borrower's credit score at the time of
    application.
        (4) Information about the originator and the company
    the originator works for, including the originator's
    license number and address, fees being charged, whether the
    fees are being charged as points up front, the yield spread
    premium payable outside closing, and other charges made or
    remuneration required by the broker or originator or its
    affiliates or the broker's or originator's employer or its
    affiliates for the mortgage loans.
        (5) Information about affiliated or third party
    service providers, including the names and addresses of
    appraisers, title insurance companies, closing agents,
    attorneys, and realtors who are involved with the
    transaction and the broker or originator and any moneys
    received from the broker or originator in connection with
    the transaction.
        (6) All information indicated on the Good Faith
    Estimate and Truth in Lending statement disclosures given
    to the borrower by the broker or originator.
        (7) Annual real estate taxes for the property, together
    with any assessments payable in connection with the
    property to be secured by the collateral and the proposed
    monthly principal and interest charge of all loans to be
    taken by the borrower and secured by the property of the
    borrower.
        (8) Information concerning how the broker or
    originator obtained the client and the name of its referral
    source, if any.
        (9) Information concerning the notices provided by the
    broker or originator to the borrower as required by law and
    the date those notices were given.
        (10) Information concerning whether a sale and
    leaseback is contemplated and the names of the lessor and
    lessee, seller, and purchaser.
 
    (765 ILCS 77/74 new)
    Sec. 74. Credit counselor; required information. As part of
the predatory lending database pilot program, a credit
counselor must submit all of the following information for
inclusion in the predatory lending database:
        (1) The information called for in Section 72.
        (2) Any information from the borrower that confirms or
    contradicts the information called for under item (1) of
    this Section.
        (3) The name and address of the credit counselor.
        (4) Information pertaining to the borrower's monthly
    expenses that assists the credit counselor in determining
    whether the borrower can afford the loans or loans for
    which the borrower is applying.
        (5) A list of the disclosures furnished to the
    borrower, as seen and reviewed by the credit counselor, and
    a comparison of that list to all disclosures required by
    law.
        (6) Whether the borrower provided tax returns to the
    broker or originator or to the credit counselor, and, if
    so, who prepared the tax returns.
        (7) The date the loan commitment expires and whether a
    written commitment has been given, together with the
    proposed date of closing.
        (8) A statement of the recommendations of the credit
    counselor that indicates the counselor's response to each
    of the following statements:
            (A) The loan should not be approved due to indicia
        of fraud.
            (B) The loan should be approved; no material
        problems noted.
            (C) The borrower cannot afford the loan.
            (D) The borrower does not understand the
        transaction.
            (E) The borrower does not understand the costs
        associated with the transaction.
            (F) The borrower's monthly income and expenses
        have been reviewed and disclosed.
            (G) The rate of the loan is above market rate.
            (H) The borrower should seek a competitive bid from
        another broker or originator.
            (I) There are discrepancies between the borrower's
        verbal understanding and the originator's completed
        form.
            (J) The borrower is precipitously close to not
        being able to afford the loan.
            (K) The borrower understands the true cost of debt
        consolidation and the need for credit card discipline.
            (L) The information that the borrower provided the
        originator has been amended by the originator.
 
    (765 ILCS 77/76 new)
    Sec. 76. Title insurance company or closing agent; required
information. As part of the predatory lending database pilot
program, a title insurance company or closing agent must submit
all of the following information for inclusion in the predatory
lending database:
        (1) The borrower's name, address, social security
    number or taxpayer identification number, date of birth,
    and income and expense information contained in the
    mortgage application.
        (2) The address, permanent index number, and a
    description of the collateral and information about the
    loan or loans being applied for and the loan terms,
    including the amount of the loan, the rate and whether the
    rate is fixed or adjustable, amortization or loan period
    terms, and any other material terms.
        (3) Annual real estate taxes for the property, together
    with any assessments payable in connection with the
    property to be secured by the collateral and the proposed
    monthly principal and interest charge of all loans to be
    taken by the borrower and secured by the property of the
    borrower as well as any required escrows and the amounts
    paid monthly for those escrows.
        (4) All itemizations and descriptions set forth in the
    RESPA settlement statement including items to be
    disbursed, payable outside closing "POC" items noted on the
    statement, and a list of payees and the amounts of their
    checks.
        (5) The name and license number of the title insurance
    company or closing agent together with the name of the
    agent actually conducting the closing.
        (6) The names and addresses of all originators,
    brokers, appraisers, sales persons, attorneys, and
    surveyors that are present at the closing.
        (7) The date of closing, a detailed list of all notices
    provided to the borrower at closing and the date of those
    notices, and all information indicated on the Truth in
    Lending statement and Good Faith Estimate disclosures.
 
    Section 25. The Residential Real Property Disclosure Act is
amended by adding an Article caption immediately before Section
99 as follows:
 
ARTICLE 4
EFFECTIVE DATE

 
    Section 30. The Consumer Fraud and Deceptive Practices Act
is amended by changing Section 2Z as follows:
 
    (815 ILCS 505/2Z)  (from Ch. 121 1/2, par. 262Z)
    Sec. 2Z. Violations of other Acts. Any person who knowingly
violates the Automotive Repair Act, the Home Repair and
Remodeling Act, the Dance Studio Act, the Physical Fitness
Services Act, the Hearing Instrument Consumer Protection Act,
the Illinois Union Label Act, the Job Referral and Job Listing
Services Consumer Protection Act, the Travel Promotion
Consumer Protection Act, the Credit Services Organizations
Act, the Automatic Telephone Dialers Act, the Pay-Per-Call
Services Consumer Protection Act, the Telephone Solicitations
Act, the Illinois Funeral or Burial Funds Act, the Cemetery
Care Act, the Safe and Hygienic Bed Act, the Pre-Need Cemetery
Sales Act, the High Risk Home Loan Act, subsection (a) or (b)
of Section 3-10 of the Cigarette Tax Act, subsection (a) or (b)
of Section 3-10 of the Cigarette Use Tax Act, the Electronic
Mail Act, paragraph (6) of subsection (k) of Section 6-305 of
the Illinois Vehicle Code, Article 3 of the Residential Real
Property Disclosure Act, or the Automatic Contract Renewal Act
commits an unlawful practice within the meaning of this Act.
(Source: P.A. 92-426, eff. 1-1-02; 93-561, eff. 1-1-04; 93-950,
eff. 1-1-05.)