{"data":{"id":"us-il/815-ilcs-137-65","jurisdiction":"us-il","citation":"815 ILCS 137/65","heading":"Negative amortization.","body":"No lender shall transfer, deal in, offer, or make a high risk home loan, other than a loan secured only by a reverse mortgage, with terms under which the outstanding balance will increase at any time over the course of the loan because the regular periodic payments do not cover the full amount of the interest due, unless the negative amortization is the consequence of a temporary forbearance sought by 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":"beec54ab66163b3040c3386699daa00275fd8542b4e1904a0a8bf044679174f6","source_id":"us-il","stale":false,"prev":"us-il/815-ilcs-137-60","next":"us-il/815-ilcs-137-70"},"notice":"GroundRules: Original legal text. Not legal advice."}