Illinois Department of Financial & Professional Regulation Illinois Department of Financial & Professional Regulation
 
Manuel Flores, Acting Secretary  
Pat Quinn, Governor
www.idfpr.com
Translate
www.idfpr.comAgency Quick Links
IDFPR Home Page
Military Families
License Look Up
Physician Profile
License Renewals
Elder-Disabled Services (EDS)
Latest News
Mandatory State's Attorneys Reports
Medical Cannabis Program
Discipline Information
FOID Mental Health Reporting
Consumers
Professionals
Information About
IDFPR
Banking
Non-banking Financial Institutions
Professional Regulation
Real Estate
About IDFPR
Contact Information
General FAQs
Boards & Committees
Search IDFPR.com
Pay Our Bills.Illinois.Gov
State of Illinois Appointments
State of Illinois
Agencies, Boards & Commissions
Banks and Trust Companies - Tips
 

Equal Credit Opportunity Act*

The Equal Credit Opportunity Act guarantees you equal rights in dealing with anyone who regularly offers credit, including banks, finance companies, stores, credit card companies and credit unions. A creditor is someone to whom you owe money. When you apply for credit, a creditor may not:

  • ask about or consider your sex, race, national origin, or religion;
  • ask about your marital status or your spouse, unless you are applying for a joint account or relying on your spouse's income or you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington);
  • ask about your plans to have or raise children;
  • refuse to consider reliable public assistance income or regularly received alimony or child support; and
  • discount or refuse to consider income because of your sex or marital status or because it is from part-time work or retirement benefits.

You have the right to:

  • have credit in your birth name, your first name and your spouse's last name, or your first name and a combined last name;
  • have a co-signer other than your spouse if one is necessary;
  • keep your own accounts after you change your name or marital status or retire, unless the creditor has evidence you are unable or unwilling to pay;
  • know why a credit application is rejected; the creditor must give you the specific reasons or tell you of your right to find out the reasons if you ask within 60 days; and
  • have accounts shared with your spouse reported in both your names.

* Courtesy of The U.S. Office of Consumer Affairs


 
Banks, Trust Companies & Savings Institutions
Banks, Trust Companies & Savings Institutions Main
News and Announcements
Bank & Thrift Supervision
International Bank Supervision
Information Technology & Fiduciary Activities
Corporate Activities (Bureau Forms)
Charter Information
Thrifts
Pawnbroker Regulation
Check Printers
Non-Bank Owned ATMs
Law Department
Enforcement Actions
Related Websites
Consumer Alerts & Tips
Did you know you can...
 · Citizens
 · Industry
External Links
State Features
Illinois AMBER Alert
Illinois Business Portal
Illinois Veterans Care
Illinois workNet