{"data":{"id":"us-il/815-ilcs-137-45","jurisdiction":"us-il","citation":"815 ILCS 137/45","heading":"Refinancing prohibited in certain cases.","body":"No lender shall refinance any high risk home loan where such refinancing charges additional points and fees within a 12-month period after the original loan agreement was signed, unless the refinancing results in a tangible net benefit to the borrower.","path":["CHAPTER 815 BUSINESS TRANSACTIONS","High Risk Home Loan Act."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=2499\u0026ChapterID=67\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:47Z","sha256":"8ac00bacee3c69f84fbec227fa4a8beb2c7445b8ac56d881f17ebdda91f17304","source_id":"us-il","stale":false,"prev":"us-il/815-ilcs-137-40","next":"us-il/815-ilcs-137-55"},"notice":"GroundRules: Original legal text. Not legal advice."}