{"data":{"id":"us-il/215-ilcs-157-40","jurisdiction":"us-il","citation":"215 ILCS 157/40","heading":"Filing.","body":"(a) Insurers that use insurance scores to underwrite and rate risks must file their scoring models (or other scoring processes) with the Department. A third party may file scoring models on behalf of insurers. A filing that includes insurance scoring may include loss experience justifying the use of credit information.\n(b) Any filing relating to credit information is considered to be a trade secret under the Illinois Trade Secrets Act.","path":["CHAPTER 215 INSURANCE","Use of Credit Information in Personal Insurance Act."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=2468\u0026ChapterID=22\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:30Z","sha256":"f96699d5ba212a5ab0622a688aa9401f7559418e58e968640452ca7165f47511","source_id":"us-il","stale":false,"prev":"us-il/215-ilcs-157-35","next":"us-il/215-ilcs-157-45"},"notice":"GroundRules: Original legal text. Not legal advice."}