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In Article 39 of the Illinois Criminal Code, lawmakers describe an offense called criminal usury. A person may be prosecuted for criminal usury if he or she offers a loan to someone with an interest rater higher than 20% per year. This crime is a Class 4 felony.
Interest begins to accumulate on the date the action is filed and accrues at a 6% per annum rate on the entire judgment, minus any punitive damages, sanctions, or attorneys' fees.
(3) 1% of the total loan amount if the prepayment is made within the third 12-month period following the date the loan was made, if the fixed rate period extends 3 years.
(a) No person shall solicit the sale of goods or services in this State by placing a telephone call during the hours between 9 p.m. and 8 a.m.
13-115. Foreclosure of mortgage. No person shall commence an action or make a sale to foreclose any mortgage or deed of trust in the nature of a mortgage, unless within 10 years after the right of action or right to make such sale accrues.
In Article 39 of the Illinois Criminal Code, lawmakers describe an offense called criminal usury. A person may be prosecuted for criminal usury if he or she offers a loan to someone with an interest rater higher than 20% per year. This crime is a Class 4 felony.
The Illinois Statute governing conflicts of interest prohibits any public official from having any interest "in any contract or the performance of any work in the making or letting of which such officers may be called upon to act or vote" [50 ILCS 105/3 et seq.].
Further, under the Interest Act [815 ILCS 205/4] whenever the interest rate exceeds 8% per year on any loan secured by a mortgage on Illinois residential property, it is unlawful for a state licensed or chartered lender to provide for a prepayment penalty or other charge for prepayment (Note: This provision became ...