{"data":{"id":"us-il/815-ilcs-120-4","jurisdiction":"us-il","citation":"815 ILCS 120/4","heading":"","body":"Nothing contained in this Act shall preclude a financial institution from considering sound underwriting practices in contemplation of any loan to any person. Such practices shall include the following:\n(a) The willingness and the financial ability of the borrowers to repay the loan.\n(b) The market value of any real estate or other item of property proposed as security for any loan.\n(c) Diversification of the financial institution's investment portfolio.","path":["CHAPTER 815 BUSINESS TRANSACTIONS","Illinois Fairness in Lending Act."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=2308\u0026ChapterID=67\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:47Z","sha256":"d2ad3be8eb0f5d6d213562e33fa0cd8d8f72d633e4761aac1d704d3961f78637","source_id":"us-il","stale":false,"prev":"us-il/815-ilcs-120-3","next":"us-il/815-ilcs-120-5"},"notice":"GroundRules: Original legal text. Not legal advice."}