{"data":{"id":"us-il/815-ilcs-137-55","jurisdiction":"us-il","citation":"815 ILCS 137/55","heading":"Financing of points and fees.","body":"No lender shall transfer, deal in, offer, or make a high risk home loan that finances, directly or indirectly, any points and fees. No lender shall transfer, deal in, offer, or make a high risk home loan that finances any prepayment fee or penalty payable by the consumer in a refinancing transaction if the creditor or an affiliate of the creditor is the noteholder of the note being refinanced.","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":"6c2a7d97a43e18fdae04a915a2d06e7ab50b13b717823a02c76ae5a83a89eed2","source_id":"us-il","stale":false,"prev":"us-il/815-ilcs-137-45","next":"us-il/815-ilcs-137-60"},"notice":"GroundRules: Original legal text. Not legal advice."}