Public Act 099-0149
 
HB2477 EnrolledLRB099 06130 MGM 26186 b

    AN ACT concerning regulation.
 
    Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
 
    Section 5. The Illinois Banking Act is amended by adding
Section 5g as follows:
 
    (205 ILCS 5/5g new)
    Sec. 5g. Savings promotion raffle.
    (a) As used in this Section, "savings promotion raffle" has
the same meaning as that term is given in Section 20 of the
Federal Deposit Insurance Act (12 U.S.C. 1829a).
    (b) If authorized by its board of directors, a State bank
may conduct a savings promotion raffle. The savings promotion
raffle shall be conducted so that each token or ticket
representing an entry in the savings promotion raffle has an
equal chance of being drawn. A State bank shall not conduct a
savings promotion raffle in a manner that jeopardizes the State
bank's safety and soundness or misleads its customers.
    (c) The Secretary may examine the conduct of a savings
promotion raffle and may issue a cease and desist order for a
violation of this Section.
    (d) A State bank shall maintain records sufficient to
facilitate an audit of the savings promotion raffle.
 
    Section 10. The Savings Bank Act is amended by adding
Section 7008 as follows:
 
    (205 ILCS 205/7008 new)
    Sec. 7008. Savings promotion raffle.
    (a) As used in this Section, "savings promotion raffle" has
the same meaning as that term is given in Section 4 of the Home
Owners' Loan Act (12 U.S.C. 1463).
    (b) If authorized by its board of directors, a savings bank
may conduct a savings promotion raffle. The savings promotion
raffle shall be conducted so that each token or ticket
representing an entry in the savings promotion raffle has an
equal chance of being drawn. A savings bank shall not conduct a
savings promotion raffle in a manner that jeopardizes the
savings bank's safety and soundness or misleads its customers.
    (c) The Secretary may examine the conduct of a savings
promotion raffle and may issue a cease and desist order for a
violation of this Section.
    (d) A savings bank shall maintain records sufficient to
facilitate an audit of the savings promotion raffle.
 
    Section 15. The Illinois Credit Union Act is amended by
changing Sections 7, 46, and 57.1 and by adding Section 42.7 as
follows:
 
    (205 ILCS 305/7)  (from Ch. 17, par. 4408)
    Sec. 7. Reciprocity; out-of-state Reciprocity - out of
state credit unions.
    (1) A credit union organized and duly chartered as a credit
union in another state shall be permitted to conduct business
as a credit union in this State state if and so long as a credit
union chartered under the laws of this State state is permitted
to do business in such other state, provided that:
        (a) The credit union shall register with the office
    prior to operating in this State, on a form specified by
    the Secretary.
        (b) The credit union may be required to pay a
    registration fee in accordance with rules promulgated by
    the Secretary and the Director.
        (c) The credit union shall comply with rules
    promulgated by the Secretary concerning the operation of
    out-of-state out of state credit unions in this State.
        (d) The credit union shall not conduct business in
    Illinois on terms that are less restrictive than the
    standards applicable to its operation in its home
    chartering state. In every instance with respect to its
    activities and operations in Illinois, the credit union
    shall comply with applicable Illinois law.
        (e) Permission to operate in the State may be revoked
    by the Secretary or the Director if the credit union
    engages in any activity in the State that would constitute
    (i) a violation of this Act or other applicable law, (ii) a
    violation of any rule adopted in accordance with this Act
    or other applicable law, (iii) a violation of any order of
    the Secretary or Director issued under his or her authority
    under this Act, or (iv) an unsafe or unsound practice in
    the discretion of the Secretary or Director.
    (1.5) The failure of a credit union chartered in another
state to register with the Secretary shall not impair the
collectability of a loan made to a resident of this State.
    (2) It is intended that the legal existence of credit
unions chartered under this Act be recognized beyond the limits
of this State and that, subject to any reasonable registration
requirements, any credit union transacting business outside of
this State be granted the protection of full faith and credit
under Section 1 of Article IV of the Constitution of the United
States.
(Source: P.A. 97-133, eff. 1-1-12.)
 
    (205 ILCS 305/42.7 new)
    Sec. 42.7. Savings promotion raffle.
    (a) As used in this Section, "savings promotion raffle"
means a raffle conducted by a credit union where the sole
consideration required for a chance of winning designated
prizes is the deposit of at least a specified amount of money
in a savings account or other savings program offered by the
credit union.
    (b) If authorized by its board of directors, a credit union
may conduct a savings promotion raffle. The savings promotion
raffle shall be conducted so that each token or ticket
representing an entry in the savings promotion raffle has an
equal chance of being drawn. A credit union shall not conduct a
savings promotion raffle in a manner that jeopardizes the
credit union's safety and soundness or mislead its members.
    (c) The Secretary may examine the conduct of a savings
promotion raffle and may issue a cease and desist order for a
violation of this Section.
    (d) A credit union shall maintain records sufficient to
facilitate an audit of the savings promotion raffle.
 
    (205 ILCS 305/46)  (from Ch. 17, par. 4447)
    Sec. 46. Loans and interest rate.
    (1) A credit union may make loans to its members for such
purpose and upon such security and terms, including rates of
interest, as the credit committee, credit manager, or loan
officer approves. Notwithstanding the provisions of any other
law in connection with extensions of credit, a credit union may
elect to contract for and receive interest and fees and other
charges for extensions of credit subject only to the provisions
of this Act and rules promulgated under this Act, except that
extensions of credit secured by residential real estate shall
be subject to the laws applicable thereto. The rates of
interest to be charged on loans to members shall be set by the
board of directors of each individual credit union in
accordance with Section 30 of this Act and such rates may be
less than, but may not exceed, the maximum rate set forth in
this Section. A borrower may repay his loan prior to maturity,
in whole or in part, without penalty. The credit contract may
provide for the payment by the member and receipt by the credit
union of all costs and disbursements, including reasonable
attorney's fees and collection agency charges, incurred by the
credit union to collect or enforce the debt in the event of a
delinquency by the member, or in the event of a breach of any
obligation of the member under the credit contract. A
contingency or hourly arrangement established under an
agreement entered into by a credit union with an attorney or
collection agency to collect a loan of a member in default
shall be presumed prima facie reasonable.
    (2) Credit unions may make loans based upon the security of
any interest or equity in real estate, subject to rules and
regulations promulgated by the Secretary. In any contract or
loan which is secured by a mortgage, deed of trust, or
conveyance in the nature of a mortgage, on residential real
estate, the interest which is computed, calculated, charged, or
collected pursuant to such contract or loan, or pursuant to any
regulation or rule promulgated pursuant to this Act, may not be
computed, calculated, charged or collected for any period of
time occurring after the date on which the total indebtedness,
with the exception of late payment penalties, is paid in full.
    For purposes of this subsection (2) of this Section 46, a
prepayment shall mean the payment of the total indebtedness,
with the exception of late payment penalties if incurred or
charged, on any date before the date specified in the contract
or loan agreement on which the total indebtedness shall be paid
in full, or before the date on which all payments, if timely
made, shall have been made. In the event of a prepayment of the
indebtedness which is made on a date after the date on which
interest on the indebtedness was last computed, calculated,
charged, or collected but before the next date on which
interest on the indebtedness was to be calculated, computed,
charged, or collected, the lender may calculate, charge and
collect interest on the indebtedness for the period which
elapsed between the date on which the prepayment is made and
the date on which interest on the indebtedness was last
computed, calculated, charged or collected at a rate equal to
1/360 of the annual rate for each day which so elapsed, which
rate shall be applied to the indebtedness outstanding as of the
date of prepayment. The lender shall refund to the borrower any
interest charged or collected which exceeds that which the
lender may charge or collect pursuant to the preceding
sentence. The provisions of this amendatory Act of 1985 shall
apply only to contracts or loans entered into on or after the
effective date of this amendatory Act.
    (3) Notwithstanding any other provision of this Act, a
credit union authorized under this Act to make loans secured by
an interest or equity in real estate may engage in making
"reverse mortgage" loans to persons for the purpose of making
home improvements or repairs, paying insurance premiums or
paying real estate taxes on the homestead properties of such
persons. If made, such loans shall be made on such terms and
conditions as the credit union shall determine and as shall be
consistent with the provisions of this Section and such rules
and regulations as the Secretary shall promulgate hereunder.
For purposes of this Section, a "reverse mortgage" loan shall
be a loan extended on the basis of existing equity in homestead
property and secured by a mortgage on such property. Such loans
shall be repaid upon the sale of the property or upon the death
of the owner or, if the property is in joint tenancy, upon the
death of the last surviving joint tenant who had such an
interest in the property at the time the loan was initiated,
provided, however, that the credit union and its member may by
mutual agreement, establish other repayment terms. A credit
union, in making a "reverse mortgage" loan, may add deferred
interest to principal or otherwise provide for the charging of
interest or premiums on such deferred interest. "Homestead"
property, for purposes of this Section, means the domicile and
contiguous real estate owned and occupied by the mortgagor.
    (4) Notwithstanding any other provisions of this Act, a
credit union authorized under this Act to make loans secured by
an interest or equity in real property may engage in making
revolving credit loans secured by mortgages or deeds of trust
on such real property or by security assignments of beneficial
interests in land trusts.
    For purposes of this Section, "revolving credit" has the
meaning defined in Section 4.1 of the Interest Act.
    Any mortgage or deed of trust given to secure a revolving
credit loan may, and when so expressed therein shall, secure
not only the existing indebtedness but also such future
advances, whether such advances are obligatory or to be made at
the option of the lender, or otherwise, as are made within
twenty years from the date thereof, to the same extent as if
such future advances were made on the date of the execution of
such mortgage or deed of trust, although there may be no
advance made at the time of execution of such mortgage or other
instrument, and although there may be no indebtedness
outstanding at the time any advance is made. The lien of such
mortgage or deed of trust, as to third persons without actual
notice thereof, shall be valid as to all such indebtedness and
future advances form the time said mortgage or deed of trust is
filed for record in the office of the recorder of deeds or the
registrar of titles of the county where the real property
described therein is located. The total amount of indebtedness
that may be so secured may increase or decrease from time to
time, but the total unpaid balance so secured at any one time
shall not exceed a maximum principal amount which must be
specified in such mortgage or deed of trust, plus interest
thereon, and any disbursements made for the payment of taxes,
special assessments, or insurance on said real property, with
interest on such disbursements.
    Any such mortgage or deed of trust shall be valid and have
priority over all subsequent liens and encumbrances, including
statutory liens, except taxes and assessments levied on said
real property.
    (4-5) For purposes of this Section, "real estate" and "real
property" include a manufactured home as defined in subdivision
(53) of Section 9-102 of the Uniform Commercial Code which is
real property as defined in Section 5-35 of the Conveyance and
Encumbrance of Manufactured Homes as Real Property and
Severance Act.
    (5) Compliance with federal or Illinois preemptive laws or
regulations governing loans made by a credit union chartered
under this Act shall constitute compliance with this Act.
    (6) Credit unions may make residential real estate mortgage
loans on terms and conditions established by the United States
Department of Agriculture through its Rural Development
Housing and Community Facilities Program. The portion of any
loan in excess of the appraised value of the real estate shall
be allocable only to the guarantee fee required under the
program.
    (7) For a renewal, refinancing, or restructuring of an
existing loan at the credit union that is secured by an
interest or equity in real estate, a new appraisal of the
collateral shall not be required when (i) the transaction
involves an existing extension of credit at the credit union,
no new moneys are advanced other than funds necessary to cover
reasonable closing costs, or (ii) and there has been no obvious
or material change in market conditions or physical aspects of
the real estate that threatens the adequacy of the credit
union's real estate collateral protection after the
transaction, even with the advancement of new moneys. The
Department reserves the right to require an appraisal under
this subsection (7) whenever the Department believes it is
necessary to address safety and soundness concerns.
(Source: P.A. 97-133, eff. 1-1-12; 98-749, eff. 7-16-14;
98-784, eff. 7-24-14; revised 10-2-14.)
 
    (205 ILCS 305/57.1)
    Sec. 57.1. Services to other credit unions.
    (a) A credit union may act as a representative of and enter
into an agreement with credit unions or other organizations for
the purposes purpose of:
        (1) sharing, utilizing, renting, leasing, purchasing,
    selling, and joint ownership of fixed assets or engaging in
    activities and services that relate to the daily operations
    of credit unions; and
        (2) providing correspondent services to other credit
    unions that the service provider credit union is authorized
    to perform for its own members or as part of its
    operations, including, but not limited to, loan
    processing, loan servicing, member check cashing services,
    disbursing share withdrawals and loan proceeds, cashing
    and selling money orders, ACH and wire transfer services,
    implementation and administrative support services related
    to the use of debit cards, payroll debit cards, and other
    prepaid debit cards and credit cards, coin and currency
    services, performing internal audits, and automated teller
    machine deposit services.
(Source: P.A. 98-784, eff. 7-24-14; revised 11-26-14.)
 
    Section 20. The Raffles and Poker Runs Act is amended by
changing Section 1 as follows:
 
    (230 ILCS 15/1)  (from Ch. 85, par. 2301)
    Sec. 1. Definitions. For the purposes of this Act the terms
defined in this Section have the meanings given them.
    "Net proceeds" means the gross receipts from the conduct of
raffles, less reasonable sums expended for prizes, local
license fees and other reasonable operating expenses incurred
as a result of operating a raffle or poker run.
    "Key location" means the location where the poker run
concludes and the prize or prizes are awarded.
    "Poker run" means an event organized by an organization
licensed under this Act in which participants travel to
multiple predetermined locations, including a key location,
drawing a playing card or equivalent item at each location, in
order to assemble a facsimile of a poker hand or other numeric
score. "Poker run" includes dice runs, marble runs, or other
events where the objective is to build the best hand or highest
score by obtaining an item at each location.
    "Raffle" means a form of lottery, as defined in Section
28-2(b) of the Criminal Code of 2012, conducted by an
organization licensed under this Act, in which:
        (1) the player pays or agrees to pay something of value
    for a chance, represented and differentiated by a number or
    by a combination of numbers or by some other medium, one or
    more of which chances is to be designated the winning
    chance;
        (2) the winning chance is to be determined through a
    drawing or by some other method based on an element of
    chance by an act or set of acts on the part of persons
    conducting or connected with the lottery, except that the
    winning chance shall not be determined by the outcome of a
    publicly exhibited sporting contest.
    "Raffle" does not include a savings promotion raffle
authorized under Section 5g of the Illinois Banking Act,
Section 7008 of the Savings Bank Act, Section 42.7 of the
Illinois Credit Union Act, Section 5136B of the National Bank
Act (12 U.S.C. 25a), or Section 4 of the Home Owners' Loan Act
(12 U.S.C. 1463).
(Source: P.A. 97-1150, eff. 1-25-13; 98-644, eff. 6-10-14.)
 
    Section 25. The Criminal Code of 2012 is amended by
changing Sections 28-1, 28-1.1, and 28-2 as follows:
 
    (720 ILCS 5/28-1)  (from Ch. 38, par. 28-1)
    Sec. 28-1. Gambling.
    (a) A person commits gambling when he or she:
        (1) knowingly plays a game of chance or skill for money
    or other thing of value, unless excepted in subsection (b)
    of this Section;
        (2) knowingly makes a wager upon the result of any
    game, contest, or any political nomination, appointment or
    election;
        (3) knowingly operates, keeps, owns, uses, purchases,
    exhibits, rents, sells, bargains for the sale or lease of,
    manufactures or distributes any gambling device;
        (4) contracts to have or give himself or herself or
    another the option to buy or sell, or contracts to buy or
    sell, at a future time, any grain or other commodity
    whatsoever, or any stock or security of any company, where
    it is at the time of making such contract intended by both
    parties thereto that the contract to buy or sell, or the
    option, whenever exercised, or the contract resulting
    therefrom, shall be settled, not by the receipt or delivery
    of such property, but by the payment only of differences in
    prices thereof; however, the issuance, purchase, sale,
    exercise, endorsement or guarantee, by or through a person
    registered with the Secretary of State pursuant to Section
    8 of the Illinois Securities Law of 1953, or by or through
    a person exempt from such registration under said Section
    8, of a put, call, or other option to buy or sell
    securities which have been registered with the Secretary of
    State or which are exempt from such registration under
    Section 3 of the Illinois Securities Law of 1953 is not
    gambling within the meaning of this paragraph (4);
        (5) knowingly owns or possesses any book, instrument or
    apparatus by means of which bets or wagers have been, or
    are, recorded or registered, or knowingly possesses any
    money which he has received in the course of a bet or
    wager;
        (6) knowingly sells pools upon the result of any game
    or contest of skill or chance, political nomination,
    appointment or election;
        (7) knowingly sets up or promotes any lottery or sells,
    offers to sell or transfers any ticket or share for any
    lottery;
        (8) knowingly sets up or promotes any policy game or
    sells, offers to sell or knowingly possesses or transfers
    any policy ticket, slip, record, document or other similar
    device;
        (9) knowingly drafts, prints or publishes any lottery
    ticket or share, or any policy ticket, slip, record,
    document or similar device, except for such activity
    related to lotteries, bingo games and raffles authorized by
    and conducted in accordance with the laws of Illinois or
    any other state or foreign government;
        (10) knowingly advertises any lottery or policy game,
    except for such activity related to lotteries, bingo games
    and raffles authorized by and conducted in accordance with
    the laws of Illinois or any other state;
        (11) knowingly transmits information as to wagers,
    betting odds, or changes in betting odds by telephone,
    telegraph, radio, semaphore or similar means; or knowingly
    installs or maintains equipment for the transmission or
    receipt of such information; except that nothing in this
    subdivision (11) prohibits transmission or receipt of such
    information for use in news reporting of sporting events or
    contests; or
        (12) knowingly establishes, maintains, or operates an
    Internet site that permits a person to play a game of
    chance or skill for money or other thing of value by means
    of the Internet or to make a wager upon the result of any
    game, contest, political nomination, appointment, or
    election by means of the Internet. This item (12) does not
    apply to activities referenced in items (6) and (6.1) of
    subsection (b) of this Section.
    (b) Participants in any of the following activities shall
not be convicted of gambling:
        (1) Agreements to compensate for loss caused by the
    happening of chance including without limitation contracts
    of indemnity or guaranty and life or health or accident
    insurance.
        (2) Offers of prizes, award or compensation to the
    actual contestants in any bona fide contest for the
    determination of skill, speed, strength or endurance or to
    the owners of animals or vehicles entered in such contest.
        (3) Pari-mutuel betting as authorized by the law of
    this State.
        (4) Manufacture of gambling devices, including the
    acquisition of essential parts therefor and the assembly
    thereof, for transportation in interstate or foreign
    commerce to any place outside this State when such
    transportation is not prohibited by any applicable Federal
    law; or the manufacture, distribution, or possession of
    video gaming terminals, as defined in the Video Gaming Act,
    by manufacturers, distributors, and terminal operators
    licensed to do so under the Video Gaming Act.
        (5) The game commonly known as "bingo", when conducted
    in accordance with the Bingo License and Tax Act.
        (6) Lotteries when conducted by the State of Illinois
    in accordance with the Illinois Lottery Law. This exemption
    includes any activity conducted by the Department of
    Revenue to sell lottery tickets pursuant to the provisions
    of the Illinois Lottery Law and its rules.
        (6.1) The purchase of lottery tickets through the
    Internet for a lottery conducted by the State of Illinois
    under the program established in Section 7.12 of the
    Illinois Lottery Law.
        (7) Possession of an antique slot machine that is
    neither used nor intended to be used in the operation or
    promotion of any unlawful gambling activity or enterprise.
    For the purpose of this subparagraph (b)(7), an antique
    slot machine is one manufactured 25 years ago or earlier.
        (8) Raffles and poker runs when conducted in accordance
    with the Raffles and Poker Runs Act.
        (9) Charitable games when conducted in accordance with
    the Charitable Games Act.
        (10) Pull tabs and jar games when conducted under the
    Illinois Pull Tabs and Jar Games Act.
        (11) Gambling games conducted on riverboats when
    authorized by the Riverboat Gambling Act.
        (12) Video gaming terminal games at a licensed
    establishment, licensed truck stop establishment, licensed
    fraternal establishment, or licensed veterans
    establishment when conducted in accordance with the Video
    Gaming Act.
        (13) Games of skill or chance where money or other
    things of value can be won but no payment or purchase is
    required to participate.
        (14) Savings promotion raffles authorized under
    Section 5g of the Illinois Banking Act, Section 7008 of the
    Savings Bank Act, Section 42.7 of the Illinois Credit Union
    Act, Section 5136B of the National Bank Act (12 U.S.C.
    25a), or Section 4 of the Home Owners' Loan Act (12 U.S.C.
    1463).
    (c) Sentence.
    Gambling is a Class A misdemeanor. A second or subsequent
conviction under subsections (a)(3) through (a)(12), is a Class
4 felony.
    (d) Circumstantial evidence.
    In prosecutions under this Section circumstantial evidence
shall have the same validity and weight as in any criminal
prosecution.
(Source: P.A. 97-1108, eff. 1-1-13; 98-644, eff. 6-10-14.)
 
    (720 ILCS 5/28-1.1)   (from Ch. 38, par. 28-1.1)
    Sec. 28-1.1. Syndicated gambling.
    (a) Declaration of Purpose. Recognizing the close
relationship between professional gambling and other organized
crime, it is declared to be the policy of the legislature to
restrain persons from engaging in the business of gambling for
profit in this State. This Section shall be liberally construed
and administered with a view to carrying out this policy.
    (b) A person commits syndicated gambling when he or she
operates a "policy game" or engages in the business of
bookmaking.
    (c) A person "operates a policy game" when he or she
knowingly uses any premises or property for the purpose of
receiving or knowingly does receive from what is commonly
called "policy":
        (1) money from a person other than the bettor or player
    whose bets or plays are represented by the money; or
        (2) written "policy game" records, made or used over
    any period of time, from a person other than the bettor or
    player whose bets or plays are represented by the written
    record.
    (d) A person engages in bookmaking when he or she knowingly
receives or accepts more than five bets or wagers upon the
result of any trials or contests of skill, speed or power of
endurance or upon any lot, chance, casualty, unknown or
contingent event whatsoever, which bets or wagers shall be of
such size that the total of the amounts of money paid or
promised to be paid to the bookmaker on account thereof shall
exceed $2,000. Bookmaking is the receiving or accepting of bets
or wagers regardless of the form or manner in which the
bookmaker records them.
    (e) Participants in any of the following activities shall
not be convicted of syndicated gambling:
        (1) Agreements to compensate for loss caused by the
    happening of chance including without limitation contracts
    of indemnity or guaranty and life or health or accident
    insurance;
        (2) Offers of prizes, award or compensation to the
    actual contestants in any bona fide contest for the
    determination of skill, speed, strength or endurance or to
    the owners of animals or vehicles entered in the contest;
        (3) Pari-mutuel betting as authorized by law of this
    State;
        (4) Manufacture of gambling devices, including the
    acquisition of essential parts therefor and the assembly
    thereof, for transportation in interstate or foreign
    commerce to any place outside this State when the
    transportation is not prohibited by any applicable Federal
    law;
        (5) Raffles and poker runs when conducted in accordance
    with the Raffles and Poker Runs Act;
        (6) Gambling games conducted on riverboats when
    authorized by the Riverboat Gambling Act; and
        (7) Video gaming terminal games at a licensed
    establishment, licensed truck stop establishment, licensed
    fraternal establishment, or licensed veterans
    establishment when conducted in accordance with the Video
    Gaming Act; and .
        (8) Savings promotion raffles authorized under Section
    5g of the Illinois Banking Act, Section 7008 of the Savings
    Bank Act, Section 42.7 of the Illinois Credit Union Act,
    Section 5136B of the National Bank Act (12 U.S.C. 25a), or
    Section 4 of the Home Owners' Loan Act (12 U.S.C. 1463).
    (f) Sentence. Syndicated gambling is a Class 3 felony.
(Source: P.A. 97-1108, eff. 1-1-13; 98-644, eff. 6-10-14.)
 
    (720 ILCS 5/28-2)  (from Ch. 38, par. 28-2)
    Sec. 28-2. Definitions.
    (a) A "gambling device" is any clock, tape machine, slot
machine or other machines or device for the reception of money
or other thing of value on chance or skill or upon the action
of which money or other thing of value is staked, hazarded,
bet, won or lost; or any mechanism, furniture, fixture,
equipment or other device designed primarily for use in a
gambling place. A "gambling device" does not include:
        (1) A coin-in-the-slot operated mechanical device
    played for amusement which rewards the player with the
    right to replay such mechanical device, which device is so
    constructed or devised as to make such result of the
    operation thereof depend in part upon the skill of the
    player and which returns to the player thereof no money,
    property or right to receive money or property.
        (2) Vending machines by which full and adequate return
    is made for the money invested and in which there is no
    element of chance or hazard.
        (3) A crane game. For the purposes of this paragraph
    (3), a "crane game" is an amusement device involving skill,
    if it rewards the player exclusively with merchandise
    contained within the amusement device proper and limited to
    toys, novelties and prizes other than currency, each having
    a wholesale value which is not more than $25.
        (4) A redemption machine. For the purposes of this
    paragraph (4), a "redemption machine" is a single-player or
    multi-player amusement device involving a game, the object
    of which is throwing, rolling, bowling, shooting, placing,
    or propelling a ball or other object that is either
    physical or computer generated on a display or with lights
    into, upon, or against a hole or other target that is
    either physical or computer generated on a display or with
    lights, or stopping, by physical, mechanical, or
    electronic means, a moving object that is either physical
    or computer generated on a display or with lights into,
    upon, or against a hole or other target that is either
    physical or computer generated on a display or with lights,
    provided that all of the following conditions are met:
            (A) The outcome of the game is predominantly
        determined by the skill of the player.
            (B) The award of the prize is based solely upon the
        player's achieving the object of the game or otherwise
        upon the player's score.
            (C) Only merchandise prizes are awarded.
            (D) The wholesale value of prizes awarded in lieu
        of tickets or tokens for single play of the device does
        not exceed $25.
            (E) The redemption value of tickets, tokens, and
        other representations of value, which may be
        accumulated by players to redeem prizes of greater
        value, for a single play of the device does not exceed
        $25.
        (5) Video gaming terminals at a licensed
    establishment, licensed truck stop establishment, licensed
    fraternal establishment, or licensed veterans
    establishment licensed in accordance with the Video Gaming
    Act.
    (a-5) "Internet" means an interactive computer service or
system or an information service, system, or access software
provider that provides or enables computer access by multiple
users to a computer server, and includes, but is not limited
to, an information service, system, or access software provider
that provides access to a network system commonly known as the
Internet, or any comparable system or service and also
includes, but is not limited to, a World Wide Web page,
newsgroup, message board, mailing list, or chat area on any
interactive computer service or system or other online service.
    (a-6) "Access" and "computer" have the meanings ascribed to
them in Section 16D-2 of this Code.
    (b) A "lottery" is any scheme or procedure whereby one or
more prizes are distributed by chance among persons who have
paid or promised consideration for a chance to win such prizes,
whether such scheme or procedure is called a lottery, raffle,
gift, sale or some other name, excluding savings promotion
raffles authorized under Section 5g of the Illinois Banking
Act, Section 7008 of the Savings Bank Act, Section 42.7 of the
Illinois Credit Union Act, Section 5136B of the National Bank
Act (12 U.S.C. 25a), or Section 4 of the Home Owners' Loan Act
(12 U.S.C. 1463).
    (c) A "policy game" is any scheme or procedure whereby a
person promises or guarantees by any instrument, bill,
certificate, writing, token or other device that any particular
number, character, ticket or certificate shall in the event of
any contingency in the nature of a lottery entitle the
purchaser or holder to receive money, property or evidence of
debt.
(Source: P.A. 97-1126, eff. 1-1-13; 98-31, eff. 6-24-13.)