98TH GENERAL ASSEMBLY
State of Illinois
2013 and 2014
SB2866

 

Introduced 2/4/2014, by Sen. Jacqueline Y. Collins

 

SYNOPSIS AS INTRODUCED:
 
See Index

    Amends the Illinois Public Aid Code. Provides that whenever the State determines that asset verification is necessary for a determination of eligibility on the basis of being aged, blind, or disabled, the Department of Healthcare and Family Services shall require the applicant for or recipient of medical assistance and any other person whose resources are required by law to be disclosed to determine the eligibility of the applicant or recipient for such assistance to provide authorization for the State to obtain any financial records held by any financial institution with respect to the applicant's or recipient's or such other person's resources, as applicable, from any financial institution holding such records. Provides that the Department shall pay a reasonable fee, not to exceed the actual cost incurred, to the financial institution producing the records. Provides that the records shall be produced at no cost to the applicant, recipient, or such other person. Defines "financial institution" and "financial records". Amends the Illinois Banking Act, the Illinois Savings and Loan Act of 1985, the Savings Bank Act, and the Illinois Credit Union Act. Permits the financial institutions subject to those Acts to furnish information in accordance with the federal requirement of asset verification as set forth in the Social Security Act and pursuant to authorization by a medical assistance applicant or recipient or by any other person whose resources are required by law to be disclosed to determine the eligibility of the applicant or recipient for such assistance.


LRB098 19643 KTG 54846 b

FISCAL NOTE ACT MAY APPLY

 

 

A BILL FOR

 

SB2866LRB098 19643 KTG 54846 b

1    AN ACT concerning public aid.
 
2    Be it enacted by the People of the State of Illinois,
3represented in the General Assembly:
 
4    Section 5. The Illinois Banking Act is amended by changing
5Section 48.1
 
6    (205 ILCS 5/48.1)  (from Ch. 17, par. 360)
7    Sec. 48.1. Customer financial records; confidentiality.
8    (a) For the purpose of this Section, the term "financial
9records" means any original, any copy, or any summary of:
10        (1) a document granting signature authority over a
11    deposit or account;
12        (2) a statement, ledger card or other record on any
13    deposit or account, which shows each transaction in or with
14    respect to that account;
15        (3) a check, draft or money order drawn on a bank or
16    issued and payable by a bank; or
17        (4) any other item containing information pertaining
18    to any relationship established in the ordinary course of a
19    bank's business between a bank and its customer, including
20    financial statements or other financial information
21    provided by the customer.
22    (b) This Section does not prohibit:
23        (1) The preparation, examination, handling or

 

 

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1    maintenance of any financial records by any officer,
2    employee or agent of a bank having custody of the records,
3    or the examination of the records by a certified public
4    accountant engaged by the bank to perform an independent
5    audit.
6        (2) The examination of any financial records by, or the
7    furnishing of financial records by a bank to, any officer,
8    employee or agent of (i) the Commissioner of Banks and Real
9    Estate, (ii) after May 31, 1997, a state regulatory
10    authority authorized to examine a branch of a State bank
11    located in another state, (iii) the Comptroller of the
12    Currency, (iv) the Federal Reserve Board, or (v) the
13    Federal Deposit Insurance Corporation for use solely in the
14    exercise of his duties as an officer, employee, or agent.
15        (3) The publication of data furnished from financial
16    records relating to customers where the data cannot be
17    identified to any particular customer or account.
18        (4) The making of reports or returns required under
19    Chapter 61 of the Internal Revenue Code of 1986.
20        (5) Furnishing information concerning the dishonor of
21    any negotiable instrument permitted to be disclosed under
22    the Uniform Commercial Code.
23        (6) The exchange in the regular course of business of
24    (i) credit information between a bank and other banks or
25    financial institutions or commercial enterprises, directly
26    or through a consumer reporting agency or (ii) financial

 

 

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1    records or information derived from financial records
2    between a bank and other banks or financial institutions or
3    commercial enterprises for the purpose of conducting due
4    diligence pursuant to a purchase or sale involving the bank
5    or assets or liabilities of the bank.
6        (7) The furnishing of information to the appropriate
7    law enforcement authorities where the bank reasonably
8    believes it has been the victim of a crime.
9        (8) The furnishing of information under the Uniform
10    Disposition of Unclaimed Property Act.
11        (9) The furnishing of information under the Illinois
12    Income Tax Act and the Illinois Estate and
13    Generation-Skipping Transfer Tax Act.
14        (10) The furnishing of information under the federal
15    Currency and Foreign Transactions Reporting Act Title 31,
16    United States Code, Section 1051 et seq.
17        (11) The furnishing of information under any other
18    statute that by its terms or by regulations promulgated
19    thereunder requires the disclosure of financial records
20    other than by subpoena, summons, warrant, or court order.
21        (12) The furnishing of information about the existence
22    of an account of a person to a judgment creditor of that
23    person who has made a written request for that information.
24        (13) The exchange in the regular course of business of
25    information between commonly owned banks in connection
26    with a transaction authorized under paragraph (23) of

 

 

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1    Section 5 and conducted at an affiliate facility.
2        (14) The furnishing of information in accordance with
3    the federal Personal Responsibility and Work Opportunity
4    Reconciliation Act of 1996. Any bank governed by this Act
5    shall enter into an agreement for data exchanges with a
6    State agency provided the State agency pays to the bank a
7    reasonable fee not to exceed its actual cost incurred. A
8    bank providing information in accordance with this item
9    shall not be liable to any account holder or other person
10    for any disclosure of information to a State agency, for
11    encumbering or surrendering any assets held by the bank in
12    response to a lien or order to withhold and deliver issued
13    by a State agency, or for any other action taken pursuant
14    to this item, including individual or mechanical errors,
15    provided the action does not constitute gross negligence or
16    willful misconduct. A bank shall have no obligation to
17    hold, encumber, or surrender assets until it has been
18    served with a subpoena, summons, warrant, court or
19    administrative order, lien, or levy.
20        (15) The exchange in the regular course of business of
21    information between a bank and any commonly owned affiliate
22    of the bank, subject to the provisions of the Financial
23    Institutions Insurance Sales Law.
24        (16) The furnishing of information to law enforcement
25    authorities, the Illinois Department on Aging and its
26    regional administrative and provider agencies, the

 

 

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1    Department of Human Services Office of Inspector General,
2    or public guardians: (i) upon subpoena by the investigatory
3    entity or the guardian, or (ii) if there is suspicion by
4    the bank that a customer who is an elderly or disabled
5    person has been or may become the victim of financial
6    exploitation. For the purposes of this item (16), the term:
7    (i) "elderly person" means a person who is 60 or more years
8    of age, (ii) "disabled person" means a person who has or
9    reasonably appears to the bank to have a physical or mental
10    disability that impairs his or her ability to seek or
11    obtain protection from or prevent financial exploitation,
12    and (iii) "financial exploitation" means tortious or
13    illegal use of the assets or resources of an elderly or
14    disabled person, and includes, without limitation,
15    misappropriation of the elderly or disabled person's
16    assets or resources by undue influence, breach of fiduciary
17    relationship, intimidation, fraud, deception, extortion,
18    or the use of assets or resources in any manner contrary to
19    law. A bank or person furnishing information pursuant to
20    this item (16) shall be entitled to the same rights and
21    protections as a person furnishing information under the
22    Adult Protective Services Act and the Illinois Domestic
23    Violence Act of 1986.
24        (17) The disclosure of financial records or
25    information as necessary to effect, administer, or enforce
26    a transaction requested or authorized by the customer, or

 

 

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1    in connection with:
2            (A) servicing or processing a financial product or
3        service requested or authorized by the customer;
4            (B) maintaining or servicing a customer's account
5        with the bank; or
6            (C) a proposed or actual securitization or
7        secondary market sale (including sales of servicing
8        rights) related to a transaction of a customer.
9        Nothing in this item (17), however, authorizes the sale
10    of the financial records or information of a customer
11    without the consent of the customer.
12        (18) The disclosure of financial records or
13    information as necessary to protect against actual or
14    potential fraud, unauthorized transactions, claims, or
15    other liability.
16        (19)(a) The disclosure of financial records or
17    information related to a private label credit program
18    between a financial institution and a private label party
19    in connection with that private label credit program. Such
20    information is limited to outstanding balance, available
21    credit, payment and performance and account history,
22    product references, purchase information, and information
23    related to the identity of the customer.
24        (b)(l) For purposes of this paragraph (19) of
25    subsection (b) of Section 48.1, a "private label credit
26    program" means a credit program involving a financial

 

 

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1    institution and a private label party that is used by a
2    customer of the financial institution and the private label
3    party primarily for payment for goods or services sold,
4    manufactured, or distributed by a private label party.
5        (2) For purposes of this paragraph (19) of subsection
6    (b) of Section 48.l, a "private label party" means, with
7    respect to a private label credit program, any of the
8    following: a retailer, a merchant, a manufacturer, a trade
9    group, or any such person's affiliate, subsidiary, member,
10    agent, or service provider.
11        (20) The furnishing of information in accordance with
12    the federal requirement of asset verification through
13    access to information held by financial institutions as set
14    forth in Section 1940 of the Social Security Act (42 U.S.C.
15    1396w) and pursuant to authorization by an applicant or
16    recipient of medical assistance under the Illinois Public
17    Aid Code or by any other person whose resources are
18    required by law to be disclosed to determine the
19    eligibility of the applicant or recipient for such
20    assistance. Any bank furnishing information pursuant to
21    this paragraph shall be entitled to a reasonable fee, paid
22    by the State agency making the request for information, not
23    to exceed the actual cost incurred. No bank shall charge a
24    fee to the applicant, recipient, or such other person, as
25    applicable, for the furnishing of information under this
26    paragraph. A bank acting in accordance with this paragraph

 

 

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1    shall not be liable to any account holder or other person
2    for any disclosure of information to a State agency
3    provided the action does not constitute gross negligence or
4    willful misconduct.
5    (c) Except as otherwise provided by this Act, a bank may
6not disclose to any person, except to the customer or his duly
7authorized agent, any financial records or financial
8information obtained from financial records relating to that
9customer of that bank unless:
10        (1) the customer has authorized disclosure to the
11    person;
12        (2) the financial records are disclosed in response to
13    a lawful subpoena, summons, warrant, citation to discover
14    assets, or court order which meets the requirements of
15    subsection (d) of this Section; or
16        (3) the bank is attempting to collect an obligation
17    owed to the bank and the bank complies with the provisions
18    of Section 2I of the Consumer Fraud and Deceptive Business
19    Practices Act.
20    (d) A bank shall disclose financial records under paragraph
21(2) of subsection (c) of this Section under a lawful subpoena,
22summons, warrant, citation to discover assets, or court order
23only after the bank mails a copy of the subpoena, summons,
24warrant, citation to discover assets, or court order to the
25person establishing the relationship with the bank, if living,
26and, otherwise his personal representative, if known, at his

 

 

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1last known address by first class mail, postage prepaid, unless
2the bank is specifically prohibited from notifying the person
3by order of court or by applicable State or federal law. A bank
4shall not mail a copy of a subpoena to any person pursuant to
5this subsection if the subpoena was issued by a grand jury
6under the Statewide Grand Jury Act.
7    (e) Any officer or employee of a bank who knowingly and
8willfully furnishes financial records in violation of this
9Section is guilty of a business offense and, upon conviction,
10shall be fined not more than $1,000.
11    (f) Any person who knowingly and willfully induces or
12attempts to induce any officer or employee of a bank to
13disclose financial records in violation of this Section is
14guilty of a business offense and, upon conviction, shall be
15fined not more than $1,000.
16    (g) A bank shall be reimbursed for costs that are
17reasonably necessary and that have been directly incurred in
18searching for, reproducing, or transporting books, papers,
19records, or other data of a customer required or requested to
20be produced pursuant to a lawful subpoena, summons, warrant,
21citation to discover assets, or court order. The Commissioner
22shall determine the rates and conditions under which payment
23may be made.
24(Source: P.A. 98-49, eff. 7-1-13.)
 
25    Section 10. The Illinois Savings and Loan Act of 1985 is

 

 

SB2866- 10 -LRB098 19643 KTG 54846 b

1amended by changing Section 3-8 as follows:
 
2    (205 ILCS 105/3-8)  (from Ch. 17, par. 3303-8)
3    Sec. 3-8. Access to books and records; communication with
4members.
5    (a) Every member or holder of capital shall have the right
6to inspect the books and records of the association that
7pertain to his account. Otherwise, the right of inspection and
8examination of the books and records shall be limited as
9provided in this Act, and no other person shall have access to
10the books and records or shall be entitled to a list of the
11members.
12    (b) For the purpose of this Section, the term "financial
13records" means any original, any copy, or any summary of (i) a
14document granting signature authority over a deposit or
15account; (ii) a statement, ledger card, or other record on any
16deposit or account that shows each transaction in or with
17respect to that account; (iii) a check, draft, or money order
18drawn on an association or issued and payable by an
19association; or (iv) any other item containing information
20pertaining to any relationship established in the ordinary
21course of an association's business between an association and
22its customer, including financial statements or other
23financial information provided by the member or holder of
24capital.
25    (c) This Section does not prohibit:

 

 

SB2866- 11 -LRB098 19643 KTG 54846 b

1        (1) The preparation, examination, handling, or
2    maintenance of any financial records by any officer,
3    employee, or agent of an association having custody of
4    those records or the examination of those records by a
5    certified public accountant engaged by the association to
6    perform an independent audit.
7        (2) The examination of any financial records by, or the
8    furnishing of financial records by an association to, any
9    officer, employee, or agent of the Commissioner of Banks
10    and Real Estate or federal depository institution
11    regulator for use solely in the exercise of his duties as
12    an officer, employee, or agent.
13        (3) The publication of data furnished from financial
14    records relating to members or holders of capital where the
15    data cannot be identified to any particular member, holder
16    of capital, or account.
17        (4) The making of reports or returns required under
18    Chapter 61 of the Internal Revenue Code of 1986.
19        (5) Furnishing information concerning the dishonor of
20    any negotiable instrument permitted to be disclosed under
21    the Uniform Commercial Code.
22        (6) The exchange in the regular course of business of
23    (i) credit information between an association and other
24    associations or financial institutions or commercial
25    enterprises, directly or through a consumer reporting
26    agency or (ii) financial records or information derived

 

 

SB2866- 12 -LRB098 19643 KTG 54846 b

1    from financial records between an association and other
2    associations or financial institutions or commercial
3    enterprises for the purpose of conducting due diligence
4    pursuant to a purchase or sale involving the association or
5    assets or liabilities of the association.
6        (7) The furnishing of information to the appropriate
7    law enforcement authorities where the association
8    reasonably believes it has been the victim of a crime.
9        (8) The furnishing of information pursuant to the
10    Uniform Disposition of Unclaimed Property Act.
11        (9) The furnishing of information pursuant to the
12    Illinois Income Tax Act and the Illinois Estate and
13    Generation-Skipping Transfer Tax Act.
14        (10) The furnishing of information pursuant to the
15    federal "Currency and Foreign Transactions Reporting Act",
16    (Title 31, United States Code, Section 1051 et seq.).
17        (11) The furnishing of information pursuant to any
18    other statute that by its terms or by regulations
19    promulgated thereunder requires the disclosure of
20    financial records other than by subpoena, summons,
21    warrant, or court order.
22        (12) The exchange of information between an
23    association and an affiliate of the association; as used in
24    this item, "affiliate" includes any company, partnership,
25    or organization that controls, is controlled by, or is
26    under common control with an association.

 

 

SB2866- 13 -LRB098 19643 KTG 54846 b

1        (13) The furnishing of information in accordance with
2    the federal Personal Responsibility and Work Opportunity
3    Reconciliation Act of 1996. Any association governed by
4    this Act shall enter into an agreement for data exchanges
5    with a State agency provided the State agency pays to the
6    association a reasonable fee not to exceed its actual cost
7    incurred. An association providing information in
8    accordance with this item shall not be liable to any
9    account holder or other person for any disclosure of
10    information to a State agency, for encumbering or
11    surrendering any assets held by the association in response
12    to a lien or order to withhold and deliver issued by a
13    State agency, or for any other action taken pursuant to
14    this item, including individual or mechanical errors,
15    provided the action does not constitute gross negligence or
16    willful misconduct. An association shall have no
17    obligation to hold, encumber, or surrender assets until it
18    has been served with a subpoena, summons, warrant, court or
19    administrative order, lien, or levy.
20        (14) The furnishing of information to law enforcement
21    authorities, the Illinois Department on Aging and its
22    regional administrative and provider agencies, the
23    Department of Human Services Office of Inspector General,
24    or public guardians: (i) upon subpoena by the investigatory
25    entity or the guardian, or (ii) if there is suspicion by
26    the association that a customer who is an elderly or

 

 

SB2866- 14 -LRB098 19643 KTG 54846 b

1    disabled person has been or may become the victim of
2    financial exploitation. For the purposes of this item (14),
3    the term: (i) "elderly person" means a person who is 60 or
4    more years of age, (ii) "disabled person" means a person
5    who has or reasonably appears to the association to have a
6    physical or mental disability that impairs his or her
7    ability to seek or obtain protection from or prevent
8    financial exploitation, and (iii) "financial exploitation"
9    means tortious or illegal use of the assets or resources of
10    an elderly or disabled person, and includes, without
11    limitation, misappropriation of the elderly or disabled
12    person's assets or resources by undue influence, breach of
13    fiduciary relationship, intimidation, fraud, deception,
14    extortion, or the use of assets or resources in any manner
15    contrary to law. An association or person furnishing
16    information pursuant to this item (14) shall be entitled to
17    the same rights and protections as a person furnishing
18    information under the Adult Protective Services Act and the
19    Illinois Domestic Violence Act of 1986.
20        (15) The disclosure of financial records or
21    information as necessary to effect, administer, or enforce
22    a transaction requested or authorized by the member or
23    holder of capital, or in connection with:
24            (A) servicing or processing a financial product or
25        service requested or authorized by the member or holder
26        of capital;

 

 

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1            (B) maintaining or servicing an account of a member
2        or holder of capital with the association; or
3            (C) a proposed or actual securitization or
4        secondary market sale (including sales of servicing
5        rights) related to a transaction of a member or holder
6        of capital.
7        Nothing in this item (15), however, authorizes the sale
8    of the financial records or information of a member or
9    holder of capital without the consent of the member or
10    holder of capital.
11        (16) The disclosure of financial records or
12    information as necessary to protect against or prevent
13    actual or potential fraud, unauthorized transactions,
14    claims, or other liability.
15        (17)(a) The disclosure of financial records or
16    information related to a private label credit program
17    between a financial institution and a private label party
18    in connection with that private label credit program. Such
19    information is limited to outstanding balance, available
20    credit, payment and performance and account history,
21    product references, purchase information, and information
22    related to the identity of the customer.
23        (b)(l) For purposes of this paragraph (17) of
24    subsection (c) of Section 3-8, a "private label credit
25    program" means a credit program involving a financial
26    institution and a private label party that is used by a

 

 

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1    customer of the financial institution and the private label
2    party primarily for payment for goods or services sold,
3    manufactured, or distributed by a private label party.
4        (2) For purposes of this paragraph (17) of subsection
5    (c) of Section 3-8, a "private label party" means, with
6    respect to a private label credit program, any of the
7    following: a retailer, a merchant, a manufacturer, a trade
8    group, or any such person's affiliate, subsidiary, member,
9    agent, or service provider.
10        (18) The furnishing of information in accordance with
11    the federal requirement of asset verification through
12    access to information held by financial institutions as set
13    forth in Section 1940 of the Social Security Act (42 U.S.C.
14    1396w) and pursuant to authorization by an applicant or
15    recipient of medical assistance under the Illinois Public
16    Aid Code or by any other person whose resources are
17    required by law to be disclosed to determine the
18    eligibility of the applicant or recipient for such
19    assistance. Any association furnishing information
20    pursuant to this paragraph shall be entitled to a
21    reasonable fee, paid by the State agency making the request
22    for information, not to exceed the actual cost incurred. No
23    association shall charge a fee to the applicant, recipient,
24    or such other person, as applicable, for the furnishing of
25    information under this paragraph. An association acting in
26    accordance with this paragraph shall not be liable to any

 

 

SB2866- 17 -LRB098 19643 KTG 54846 b

1    account holder or other person for any disclosure of
2    information to a State agency provided the action does not
3    constitute gross negligence or willful misconduct.
4    (d) An association may not disclose to any person, except
5to the member or holder of capital or his duly authorized
6agent, any financial records relating to that member or holder
7of capital of that association unless:
8        (1) The member or holder of capital has authorized
9    disclosure to the person; or
10        (2) The financial records are disclosed in response to
11    a lawful subpoena, summons, warrant, citation to discover
12    assets, or court order that meets the requirements of
13    subsection (e) of this Section.
14    (e) An association shall disclose financial records under
15subsection (d) of this Section pursuant to a lawful subpoena,
16summons, warrant, citation to discover assets, or court order
17only after the association mails a copy of the subpoena,
18summons, warrant, citation to discover assets, or court order
19to the person establishing the relationship with the
20association, if living, and, otherwise, his personal
21representative, if known, at his last known address by first
22class mail, postage prepaid, unless the association is
23specifically prohibited from notifying that person by order of
24court.
25    (f)(1) Any officer or employee of an association who
26knowingly and willfully furnishes financial records in

 

 

SB2866- 18 -LRB098 19643 KTG 54846 b

1violation of this Section is guilty of a business offense and,
2upon conviction, shall be fined not more than $1,000.
3    (2) Any person who knowingly and willfully induces or
4attempts to induce any officer or employee of an association to
5disclose financial records in violation of this Section is
6guilty of a business offense and, upon conviction, shall be
7fined not more than $1,000.
8    (g) However, if any member desires to communicate with the
9other members of the association with reference to any question
10pending or to be presented at a meeting of the members, the
11association shall give him upon request a statement of the
12approximate number of members entitled to vote at the meeting
13and an estimate of the cost of preparing and mailing the
14communication. The requesting member then shall submit the
15communication to the Commissioner who, if he finds it to be
16appropriate and truthful, shall direct that it be prepared and
17mailed to the members upon the requesting member's payment or
18adequate provision for payment of the expenses of preparation
19and mailing.
20    (h) An association shall be reimbursed for costs that are
21necessary and that have been directly incurred in searching
22for, reproducing, or transporting books, papers, records, or
23other data of a customer required to be reproduced pursuant to
24a lawful subpoena, warrant, citation to discover assets, or
25court order.
26(Source: P.A. 98-49, eff. 7-1-13.)
 

 

 

SB2866- 19 -LRB098 19643 KTG 54846 b

1    Section 15. The Savings Bank Act is amended by changing
2Section 4013 as follows:
 
3    (205 ILCS 205/4013)  (from Ch. 17, par. 7304-13)
4    Sec. 4013. Access to books and records; communication with
5members and shareholders.
6    (a) Every member or shareholder shall have the right to
7inspect books and records of the savings bank that pertain to
8his accounts. Otherwise, the right of inspection and
9examination of the books and records shall be limited as
10provided in this Act, and no other person shall have access to
11the books and records nor shall be entitled to a list of the
12members or shareholders.
13    (b) For the purpose of this Section, the term "financial
14records" means any original, any copy, or any summary of (1) a
15document granting signature authority over a deposit or
16account; (2) a statement, ledger card, or other record on any
17deposit or account that shows each transaction in or with
18respect to that account; (3) a check, draft, or money order
19drawn on a savings bank or issued and payable by a savings
20bank; or (4) any other item containing information pertaining
21to any relationship established in the ordinary course of a
22savings bank's business between a savings bank and its
23customer, including financial statements or other financial
24information provided by the member or shareholder.

 

 

SB2866- 20 -LRB098 19643 KTG 54846 b

1    (c) This Section does not prohibit:
2        (1) The preparation examination, handling, or
3    maintenance of any financial records by any officer,
4    employee, or agent of a savings bank having custody of
5    records or examination of records by a certified public
6    accountant engaged by the savings bank to perform an
7    independent audit.
8        (2) The examination of any financial records by, or the
9    furnishing of financial records by a savings bank to, any
10    officer, employee, or agent of the Commissioner of Banks
11    and Real Estate or the federal depository institution
12    regulator for use solely in the exercise of his duties as
13    an officer, employee, or agent.
14        (3) The publication of data furnished from financial
15    records relating to members or holders of capital where the
16    data cannot be identified to any particular member,
17    shareholder, or account.
18        (4) The making of reports or returns required under
19    Chapter 61 of the Internal Revenue Code of 1986.
20        (5) Furnishing information concerning the dishonor of
21    any negotiable instrument permitted to be disclosed under
22    the Uniform Commercial Code.
23        (6) The exchange in the regular course of business of
24    (i) credit information between a savings bank and other
25    savings banks or financial institutions or commercial
26    enterprises, directly or through a consumer reporting

 

 

SB2866- 21 -LRB098 19643 KTG 54846 b

1    agency or (ii) financial records or information derived
2    from financial records between a savings bank and other
3    savings banks or financial institutions or commercial
4    enterprises for the purpose of conducting due diligence
5    pursuant to a purchase or sale involving the savings bank
6    or assets or liabilities of the savings bank.
7        (7) The furnishing of information to the appropriate
8    law enforcement authorities where the savings bank
9    reasonably believes it has been the victim of a crime.
10        (8) The furnishing of information pursuant to the
11    Uniform Disposition of Unclaimed Property Act.
12        (9) The furnishing of information pursuant to the
13    Illinois Income Tax Act and the Illinois Estate and
14    Generation-Skipping Transfer Tax Act.
15        (10) The furnishing of information pursuant to the
16    federal "Currency and Foreign Transactions Reporting Act",
17    (Title 31, United States Code, Section 1051 et seq.).
18        (11) The furnishing of information pursuant to any
19    other statute which by its terms or by regulations
20    promulgated thereunder requires the disclosure of
21    financial records other than by subpoena, summons,
22    warrant, or court order.
23        (12) The furnishing of information in accordance with
24    the federal Personal Responsibility and Work Opportunity
25    Reconciliation Act of 1996. Any savings bank governed by
26    this Act shall enter into an agreement for data exchanges

 

 

SB2866- 22 -LRB098 19643 KTG 54846 b

1    with a State agency provided the State agency pays to the
2    savings bank a reasonable fee not to exceed its actual cost
3    incurred. A savings bank providing information in
4    accordance with this item shall not be liable to any
5    account holder or other person for any disclosure of
6    information to a State agency, for encumbering or
7    surrendering any assets held by the savings bank in
8    response to a lien or order to withhold and deliver issued
9    by a State agency, or for any other action taken pursuant
10    to this item, including individual or mechanical errors,
11    provided the action does not constitute gross negligence or
12    willful misconduct. A savings bank shall have no obligation
13    to hold, encumber, or surrender assets until it has been
14    served with a subpoena, summons, warrant, court or
15    administrative order, lien, or levy.
16        (13) The furnishing of information to law enforcement
17    authorities, the Illinois Department on Aging and its
18    regional administrative and provider agencies, the
19    Department of Human Services Office of Inspector General,
20    or public guardians: (i) upon subpoena by the investigatory
21    entity or the guardian, or (ii) if there is suspicion by
22    the savings bank that a customer who is an elderly or
23    disabled person has been or may become the victim of
24    financial exploitation. For the purposes of this item (13),
25    the term: (i) "elderly person" means a person who is 60 or
26    more years of age, (ii) "disabled person" means a person

 

 

SB2866- 23 -LRB098 19643 KTG 54846 b

1    who has or reasonably appears to the savings bank to have a
2    physical or mental disability that impairs his or her
3    ability to seek or obtain protection from or prevent
4    financial exploitation, and (iii) "financial exploitation"
5    means tortious or illegal use of the assets or resources of
6    an elderly or disabled person, and includes, without
7    limitation, misappropriation of the elderly or disabled
8    person's assets or resources by undue influence, breach of
9    fiduciary relationship, intimidation, fraud, deception,
10    extortion, or the use of assets or resources in any manner
11    contrary to law. A savings bank or person furnishing
12    information pursuant to this item (13) shall be entitled to
13    the same rights and protections as a person furnishing
14    information under the Adult Protective Services Act and the
15    Illinois Domestic Violence Act of 1986.
16        (14) The disclosure of financial records or
17    information as necessary to effect, administer, or enforce
18    a transaction requested or authorized by the member or
19    holder of capital, or in connection with:
20            (A) servicing or processing a financial product or
21        service requested or authorized by the member or holder
22        of capital;
23            (B) maintaining or servicing an account of a member
24        or holder of capital with the savings bank; or
25            (C) a proposed or actual securitization or
26        secondary market sale (including sales of servicing

 

 

SB2866- 24 -LRB098 19643 KTG 54846 b

1        rights) related to a transaction of a member or holder
2        of capital.
3        Nothing in this item (14), however, authorizes the sale
4    of the financial records or information of a member or
5    holder of capital without the consent of the member or
6    holder of capital.
7        (15) The exchange in the regular course of business of
8    information between a savings bank and any commonly owned
9    affiliate of the savings bank, subject to the provisions of
10    the Financial Institutions Insurance Sales Law.
11        (16) The disclosure of financial records or
12    information as necessary to protect against or prevent
13    actual or potential fraud, unauthorized transactions,
14    claims, or other liability.
15        (17)(a) The disclosure of financial records or
16    information related to a private label credit program
17    between a financial institution and a private label party
18    in connection with that private label credit program. Such
19    information is limited to outstanding balance, available
20    credit, payment and performance and account history,
21    product references, purchase information, and information
22    related to the identity of the customer.
23        (b)(l) For purposes of this paragraph (17) of
24    subsection (c) of Section 4013, a "private label credit
25    program" means a credit program involving a financial
26    institution and a private label party that is used by a

 

 

SB2866- 25 -LRB098 19643 KTG 54846 b

1    customer of the financial institution and the private label
2    party primarily for payment for goods or services sold,
3    manufactured, or distributed by a private label party.
4        (2) For purposes of this paragraph (17) of subsection
5    (c) of Section 4013, a "private label party" means, with
6    respect to a private label credit program, any of the
7    following: a retailer, a merchant, a manufacturer, a trade
8    group, or any such person's affiliate, subsidiary, member,
9    agent, or service provider.
10        (18) The furnishing of information in accordance with
11    the federal requirement of asset verification through
12    access to information held by financial institutions as set
13    forth in Section 1940 of the Social Security Act (42 U.S.C.
14    1396w) and pursuant to authorization by an applicant or
15    recipient of medical assistance under the Illinois Public
16    Aid Code or by any other person whose resources are
17    required by law to be disclosed to determine the
18    eligibility of the applicant or recipient for such
19    assistance. Any savings bank furnishing information
20    pursuant to this paragraph shall be entitled to a
21    reasonable fee, paid by the State agency making the request
22    for information, not to exceed the actual cost incurred. No
23    savings bank shall charge a fee to the applicant,
24    recipient, or such other person, as applicable, for the
25    furnishing of information under this paragraph. A savings
26    bank acting in accordance with this paragraph shall not be

 

 

SB2866- 26 -LRB098 19643 KTG 54846 b

1    liable to any account holder or other person for any
2    disclosure of information to a State agency provided the
3    action does not constitute gross negligence or willful
4    misconduct.
5    (d) A savings bank may not disclose to any person, except
6to the member or holder of capital or his duly authorized
7agent, any financial records relating to that member or
8shareholder of the savings bank unless:
9        (1) the member or shareholder has authorized
10    disclosure to the person; or
11        (2) the financial records are disclosed in response to
12    a lawful subpoena, summons, warrant, citation to discover
13    assets, or court order that meets the requirements of
14    subsection (e) of this Section.
15    (e) A savings bank shall disclose financial records under
16subsection (d) of this Section pursuant to a lawful subpoena,
17summons, warrant, citation to discover assets, or court order
18only after the savings bank mails a copy of the subpoena,
19summons, warrant, citation to discover assets, or court order
20to the person establishing the relationship with the savings
21bank, if living, and otherwise, his personal representative, if
22known, at his last known address by first class mail, postage
23prepaid, unless the savings bank is specifically prohibited
24from notifying the person by order of court.
25    (f) Any officer or employee of a savings bank who knowingly
26and willfully furnishes financial records in violation of this

 

 

SB2866- 27 -LRB098 19643 KTG 54846 b

1Section is guilty of a business offense and, upon conviction,
2shall be fined not more than $1,000.
3    (g) Any person who knowingly and willfully induces or
4attempts to induce any officer or employee of a savings bank to
5disclose financial records in violation of this Section is
6guilty of a business offense and, upon conviction, shall be
7fined not more than $1,000.
8    (h) If any member or shareholder desires to communicate
9with the other members or shareholders of the savings bank with
10reference to any question pending or to be presented at an
11annual or special meeting, the savings bank shall give that
12person, upon request, a statement of the approximate number of
13members or shareholders entitled to vote at the meeting and an
14estimate of the cost of preparing and mailing the
15communication. The requesting member shall submit the
16communication to the Commissioner who, upon finding it to be
17appropriate and truthful, shall direct that it be prepared and
18mailed to the members upon the requesting member's or
19shareholder's payment or adequate provision for payment of the
20expenses of preparation and mailing.
21    (i) A savings bank shall be reimbursed for costs that are
22necessary and that have been directly incurred in searching
23for, reproducing, or transporting books, papers, records, or
24other data of a customer required to be reproduced pursuant to
25a lawful subpoena, warrant, citation to discover assets, or
26court order.

 

 

SB2866- 28 -LRB098 19643 KTG 54846 b

1    (j) Notwithstanding the provisions of this Section, a
2savings bank may sell or otherwise make use of lists of
3customers' names and addresses. All other information
4regarding a customer's account are subject to the disclosure
5provisions of this Section. At the request of any customer,
6that customer's name and address shall be deleted from any list
7that is to be sold or used in any other manner beyond
8identification of the customer's accounts.
9(Source: P.A. 98-49, eff. 7-1-13.)
 
10    Section 20. The Illinois Credit Union Act is amended by
11changing Section 10 as follows:
 
12    (205 ILCS 305/10)  (from Ch. 17, par. 4411)
13    Sec. 10. Credit union records; member financial records.
14    (1) A credit union shall establish and maintain books,
15records, accounting systems and procedures which accurately
16reflect its operations and which enable the Department to
17readily ascertain the true financial condition of the credit
18union and whether it is complying with this Act.
19    (2) A photostatic or photographic reproduction of any
20credit union records shall be admissible as evidence of
21transactions with the credit union.
22    (3)(a) For the purpose of this Section, the term "financial
23records" means any original, any copy, or any summary of (1) a
24document granting signature authority over an account, (2) a

 

 

SB2866- 29 -LRB098 19643 KTG 54846 b

1statement, ledger card or other record on any account which
2shows each transaction in or with respect to that account, (3)
3a check, draft or money order drawn on a financial institution
4or other entity or issued and payable by or through a financial
5institution or other entity, or (4) any other item containing
6information pertaining to any relationship established in the
7ordinary course of business between a credit union and its
8member, including financial statements or other financial
9information provided by the member.
10    (b) This Section does not prohibit:
11        (1) The preparation, examination, handling or
12    maintenance of any financial records by any officer,
13    employee or agent of a credit union having custody of such
14    records, or the examination of such records by a certified
15    public accountant engaged by the credit union to perform an
16    independent audit.
17        (2) The examination of any financial records by or the
18    furnishing of financial records by a credit union to any
19    officer, employee or agent of the Department, the National
20    Credit Union Administration, Federal Reserve board or any
21    insurer of share accounts for use solely in the exercise of
22    his duties as an officer, employee or agent.
23        (3) The publication of data furnished from financial
24    records relating to members where the data cannot be
25    identified to any particular customer of account.
26        (4) The making of reports or returns required under

 

 

SB2866- 30 -LRB098 19643 KTG 54846 b

1    Chapter 61 of the Internal Revenue Code of 1954.
2        (5) Furnishing information concerning the dishonor of
3    any negotiable instrument permitted to be disclosed under
4    the Uniform Commercial Code.
5        (6) The exchange in the regular course of business of
6    (i) credit information between a credit union and other
7    credit unions or financial institutions or commercial
8    enterprises, directly or through a consumer reporting
9    agency or (ii) financial records or information derived
10    from financial records between a credit union and other
11    credit unions or financial institutions or commercial
12    enterprises for the purpose of conducting due diligence
13    pursuant to a merger or a purchase or sale of assets or
14    liabilities of the credit union.
15        (7) The furnishing of information to the appropriate
16    law enforcement authorities where the credit union
17    reasonably believes it has been the victim of a crime.
18        (8) The furnishing of information pursuant to the
19    Uniform Disposition of Unclaimed Property Act.
20        (9) The furnishing of information pursuant to the
21    Illinois Income Tax Act and the Illinois Estate and
22    Generation-Skipping Transfer Tax Act.
23        (10) The furnishing of information pursuant to the
24    federal "Currency and Foreign Transactions Reporting Act",
25    Title 31, United States Code, Section 1051 et sequentia.
26        (11) The furnishing of information pursuant to any

 

 

SB2866- 31 -LRB098 19643 KTG 54846 b

1    other statute which by its terms or by regulations
2    promulgated thereunder requires the disclosure of
3    financial records other than by subpoena, summons, warrant
4    or court order.
5        (12) The furnishing of information in accordance with
6    the federal Personal Responsibility and Work Opportunity
7    Reconciliation Act of 1996. Any credit union governed by
8    this Act shall enter into an agreement for data exchanges
9    with a State agency provided the State agency pays to the
10    credit union a reasonable fee not to exceed its actual cost
11    incurred. A credit union providing information in
12    accordance with this item shall not be liable to any
13    account holder or other person for any disclosure of
14    information to a State agency, for encumbering or
15    surrendering any assets held by the credit union in
16    response to a lien or order to withhold and deliver issued
17    by a State agency, or for any other action taken pursuant
18    to this item, including individual or mechanical errors,
19    provided the action does not constitute gross negligence or
20    willful misconduct. A credit union shall have no obligation
21    to hold, encumber, or surrender assets until it has been
22    served with a subpoena, summons, warrant, court or
23    administrative order, lien, or levy.
24        (13) The furnishing of information to law enforcement
25    authorities, the Illinois Department on Aging and its
26    regional administrative and provider agencies, the

 

 

SB2866- 32 -LRB098 19643 KTG 54846 b

1    Department of Human Services Office of Inspector General,
2    or public guardians: (i) upon subpoena by the investigatory
3    entity or the guardian, or (ii) if there is suspicion by
4    the credit union that a member who is an elderly or
5    disabled person has been or may become the victim of
6    financial exploitation. For the purposes of this item (13),
7    the term: (i) "elderly person" means a person who is 60 or
8    more years of age, (ii) "disabled person" means a person
9    who has or reasonably appears to the credit union to have a
10    physical or mental disability that impairs his or her
11    ability to seek or obtain protection from or prevent
12    financial exploitation, and (iii) "financial exploitation"
13    means tortious or illegal use of the assets or resources of
14    an elderly or disabled person, and includes, without
15    limitation, misappropriation of the elderly or disabled
16    person's assets or resources by undue influence, breach of
17    fiduciary relationship, intimidation, fraud, deception,
18    extortion, or the use of assets or resources in any manner
19    contrary to law. A credit union or person furnishing
20    information pursuant to this item (13) shall be entitled to
21    the same rights and protections as a person furnishing
22    information under the Adult Protective Services Act and the
23    Illinois Domestic Violence Act of 1986.
24        (14) The disclosure of financial records or
25    information as necessary to effect, administer, or enforce
26    a transaction requested or authorized by the member, or in

 

 

SB2866- 33 -LRB098 19643 KTG 54846 b

1    connection with:
2            (A) servicing or processing a financial product or
3        service requested or authorized by the member;
4            (B) maintaining or servicing a member's account
5        with the credit union; or
6            (C) a proposed or actual securitization or
7        secondary market sale (including sales of servicing
8        rights) related to a transaction of a member.
9        Nothing in this item (14), however, authorizes the sale
10    of the financial records or information of a member without
11    the consent of the member.
12        (15) The disclosure of financial records or
13    information as necessary to protect against or prevent
14    actual or potential fraud, unauthorized transactions,
15    claims, or other liability.
16        (16)(a) The disclosure of financial records or
17    information related to a private label credit program
18    between a financial institution and a private label party
19    in connection with that private label credit program. Such
20    information is limited to outstanding balance, available
21    credit, payment and performance and account history,
22    product references, purchase information, and information
23    related to the identity of the customer.
24        (b)(l) For purposes of this paragraph (16) of
25    subsection (b) of Section 10, a "private label credit
26    program" means a credit program involving a financial

 

 

SB2866- 34 -LRB098 19643 KTG 54846 b

1    institution and a private label party that is used by a
2    customer of the financial institution and the private label
3    party primarily for payment for goods or services sold,
4    manufactured, or distributed by a private label party.
5        (2) For purposes of this paragraph (16) of subsection
6    (b) of Section 10, a "private label party" means, with
7    respect to a private label credit program, any of the
8    following: a retailer, a merchant, a manufacturer, a trade
9    group, or any such person's affiliate, subsidiary, member,
10    agent, or service provider.
11        (17) The furnishing of information in accordance with
12    the federal requirement of asset verification through
13    access to information held by financial institutions as set
14    forth in Section 1940 of the Social Security Act (42 U.S.C.
15    1396w) and pursuant to authorization by an applicant or
16    recipient of medical assistance under the Illinois Public
17    Aid Code or by any other person whose resources are
18    required by law to be disclosed to determine the
19    eligibility of the applicant or recipient for such
20    assistance. Any credit union furnishing information
21    pursuant to this paragraph shall be entitled to a
22    reasonable fee, paid by the State agency making the request
23    for information, not to exceed the actual cost incurred. No
24    credit union shall charge a fee to the applicant,
25    recipient, or such other person, as applicable, for the
26    furnishing of information under this paragraph. A credit

 

 

SB2866- 35 -LRB098 19643 KTG 54846 b

1    union acting in accordance with this paragraph shall not be
2    liable to any account holder or other person for any
3    disclosure of information to a State agency provided the
4    action does not constitute gross negligence or willful
5    misconduct.
6    (c) Except as otherwise provided by this Act, a credit
7union may not disclose to any person, except to the member or
8his duly authorized agent, any financial records relating to
9that member of the credit union unless:
10        (1) the member has authorized disclosure to the person;
11        (2) the financial records are disclosed in response to
12    a lawful subpoena, summons, warrant, citation to discover
13    assets, or court order that meets the requirements of
14    subparagraph (d) of this Section; or
15        (3) the credit union is attempting to collect an
16    obligation owed to the credit union and the credit union
17    complies with the provisions of Section 2I of the Consumer
18    Fraud and Deceptive Business Practices Act.
19    (d) A credit union shall disclose financial records under
20subparagraph (c)(2) of this Section pursuant to a lawful
21subpoena, summons, warrant, citation to discover assets, or
22court order only after the credit union mails a copy of the
23subpoena, summons, warrant, citation to discover assets, or
24court order to the person establishing the relationship with
25the credit union, if living, and otherwise his personal
26representative, if known, at his last known address by first

 

 

SB2866- 36 -LRB098 19643 KTG 54846 b

1class mail, postage prepaid unless the credit union is
2specifically prohibited from notifying the person by order of
3court or by applicable State or federal law. In the case of a
4grand jury subpoena, a credit union shall not mail a copy of a
5subpoena to any person pursuant to this subsection if the
6subpoena was issued by a grand jury under the Statewide Grand
7Jury Act or notifying the person would constitute a violation
8of the federal Right to Financial Privacy Act of 1978.
9    (e)(1) Any officer or employee of a credit union who
10knowingly and wilfully furnishes financial records in
11violation of this Section is guilty of a business offense and
12upon conviction thereof shall be fined not more than $1,000.
13    (2) Any person who knowingly and wilfully induces or
14attempts to induce any officer or employee of a credit union to
15disclose financial records in violation of this Section is
16guilty of a business offense and upon conviction thereof shall
17be fined not more than $1,000.
18    (f) A credit union shall be reimbursed for costs which are
19reasonably necessary and which have been directly incurred in
20searching for, reproducing or transporting books, papers,
21records or other data of a member required or requested to be
22produced pursuant to a lawful subpoena, summons, warrant,
23citation to discover assets, or court order. The Secretary and
24the Director may determine, by rule, the rates and conditions
25under which payment shall be made. Delivery of requested
26documents may be delayed until final reimbursement of all costs

 

 

SB2866- 37 -LRB098 19643 KTG 54846 b

1is received.
2(Source: P.A. 97-133, eff. 1-1-12; 98-49, eff. 7-1-13.)
 
3    Section 25. The Illinois Public Aid Code is amended by
4adding Section 11-5.1 as follows:
 
5    (305 ILCS 5/11-5.1)
6    Sec. 11-5.1. Eligibility verification. Notwithstanding any
7other provision of this Code, with respect to applications for
8medical assistance provided under Article V of this Code,
9eligibility shall be determined in a manner that ensures
10program integrity and complies with federal laws and
11regulations while minimizing unnecessary barriers to
12enrollment. To this end, as soon as practicable, and unless the
13Department receives written denial from the federal
14government, this Section shall be implemented:
15    (a) The Department of Healthcare and Family Services or its
16designees shall:
17        (1) By no later than July 1, 2011, require verification
18    of, at a minimum, one month's income from all sources
19    required for determining the eligibility of applicants for
20    medical assistance under this Code. Such verification
21    shall take the form of pay stubs, business or income and
22    expense records for self-employed persons, letters from
23    employers, and any other valid documentation of income
24    including data obtained electronically by the Department

 

 

SB2866- 38 -LRB098 19643 KTG 54846 b

1    or its designees from other sources as described in
2    subsection (b) of this Section.
3        (2) By no later than October 1, 2011, require
4    verification of, at a minimum, one month's income from all
5    sources required for determining the continued eligibility
6    of recipients at their annual review of eligibility for
7    medical assistance under this Code. Such verification
8    shall take the form of pay stubs, business or income and
9    expense records for self-employed persons, letters from
10    employers, and any other valid documentation of income
11    including data obtained electronically by the Department
12    or its designees from other sources as described in
13    subsection (b) of this Section. The Department shall send a
14    notice to recipients at least 60 days prior to the end of
15    their period of eligibility that informs them of the
16    requirements for continued eligibility. If a recipient
17    does not fulfill the requirements for continued
18    eligibility by the deadline established in the notice a
19    notice of cancellation shall be issued to the recipient and
20    coverage shall end on the last day of the eligibility
21    period. A recipient's eligibility may be reinstated
22    without requiring a new application if the recipient
23    fulfills the requirements for continued eligibility prior
24    to the end of the month following the last date of
25    coverage. Nothing in this Section shall prevent an
26    individual whose coverage has been cancelled from

 

 

SB2866- 39 -LRB098 19643 KTG 54846 b

1    reapplying for health benefits at any time.
2        (3) By no later than July 1, 2011, require verification
3    of Illinois residency.
4    (b) The Department shall establish or continue cooperative
5arrangements with the Social Security Administration, the
6Illinois Secretary of State, the Department of Human Services,
7the Department of Revenue, the Department of Employment
8Security, and any other appropriate entity to gain electronic
9access, to the extent allowed by law, to information available
10to those entities that may be appropriate for electronically
11verifying any factor of eligibility for benefits under the
12Program. Data relevant to eligibility shall be provided for no
13other purpose than to verify the eligibility of new applicants
14or current recipients of health benefits under the Program.
15Data shall be requested or provided for any new applicant or
16current recipient only insofar as that individual's
17circumstances are relevant to that individual's or another
18individual's eligibility.
19    (c) (Blank). Within 90 days of the effective date of this
20amendatory Act of the 96th General Assembly, the Department of
21Healthcare and Family Services shall send notice to current
22recipients informing them of the changes regarding their
23eligibility verification.
24    (d) Whenever the State determines that asset verification
25is necessary for a determination of eligibility on the basis of
26being aged, blind, or disabled, the Department shall require

 

 

SB2866- 40 -LRB098 19643 KTG 54846 b

1the applicant for or recipient of medical assistance and any
2other person whose resources are required by law to be
3disclosed to determine the eligibility of the applicant or
4recipient for such assistance to provide authorization for the
5State to obtain any financial records held by any financial
6institution with respect to the applicant's or recipient's or
7such other person's resources, as applicable, from any
8financial institution holding such records.
9        (1) The Department shall pay a reasonable fee, not to
10    exceed the actual cost incurred, to the financial
11    institution producing the records. The records shall be
12    produced at no cost to the applicant, recipient, or such
13    other person, as applicable.
14        (2) For purposes of this subsection, a "financial
15    institution" means an office of any of the following,
16    located in any state or territory of the United States, the
17    District of Columbia, Puerto Rico, Guam, American Samoa, or
18    the Virgin Islands:
19            (A) a bank;
20            (B) a savings bank;
21            (C) a card issuer, meaning any person who issues a
22        credit card, or the agent of such person with respect
23        to such card;
24            (D) an industrial loan company;
25            (E) a trust company;
26            (F) a savings association;

 

 

SB2866- 41 -LRB098 19643 KTG 54846 b

1            (G) a building and loan or homestead association
2        (including a cooperative bank); or
3            (H) a credit union or consumer finance
4        institution.
5        (3) For purposes of this subsection, "financial
6    record" means an original of, a copy of, or information
7    known to have been derived from any record held by a
8    financial institution pertaining to a customer's
9    relationship with the financial institution.
10(Source: P.A. 96-1501, eff. 1-25-11.)

 

 

SB2866- 42 -LRB098 19643 KTG 54846 b

1 INDEX
2 Statutes amended in order of appearance
3    205 ILCS 5/48.1from Ch. 17, par. 360
4    205 ILCS 105/3-8from Ch. 17, par. 3303-8
5    205 ILCS 205/4013from Ch. 17, par. 7304-13
6    205 ILCS 305/10from Ch. 17, par. 4411
7    305 ILCS 5/11-5.1