{"data":{"id":"us-il/775-ilcs-5-4-102","jurisdiction":"us-il","citation":"775 ILCS 5/4-102","heading":"Civil Rights Violations: Loans.","body":"(Text of Section before amendment by P.A. 104-744)\nIt shall be a civil rights violation for any financial institution, on the grounds of unlawful discrimination, to:\n(A) Denial of Services. Deny any person any of the services normally offered by such an institution.\n(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.\n(C) Loan Terms. Deny or vary the terms of a loan.\n(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.\n(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.\n(F) Lending Standards. Utilize lending standards that have no economic basis and which constitute unlawful discrimination.\n(Text of Section after amendment by P.A. 104-744)\nCivil Rights Violations: Loans. It is a civil rights violation for any financial institution, on the basis of unlawful discrimination, to:\n(A) Denial of Services. Deny any person any of the services normally offered by such an institution.\n(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.\n(C) Loan Terms. Deny or vary the terms of a loan.\n(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.\n(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.\n(F) Lending Standards. Utilize lending standards that have no economic basis and which constitute unlawful discrimination.\n(G) Criteria or methods. Use criteria or methods that have the effect of subjecting individuals to unlawful discrimination under this Section. Such criteria or methods are unlawful under this subsection if they are not necessary to achieve a substantial, legitimate, nondiscriminatory interest or if the substantial, legitimate, nondiscriminatory interest could be served by another practice that has a less discriminatory effect.","path":["CHAPTER 775 HUMAN RIGHTS","Illinois Human Rights Act."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=2266\u0026ChapterID=64\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:46Z","sha256":"4a31ffce64fbd6a5fdb1ba53abaca6ec557dc9c39ff56c59df48447e6fa7ec4c","source_id":"us-il","stale":false,"prev":"us-il/775-ilcs-5-4-101","next":"us-il/775-ilcs-5-4-103"},"notice":"GroundRules: Original legal text. Not legal advice."}