(815 ILCS 137/60)
    Sec. 60. Payments to contractors. No lender shall make a payment of any proceeds of a high risk home loan directly to a contractor under a home improvement contract other than:
        (1) by instrument payable to the borrower or payable
    
jointly to the borrower and contractor; or
        (2) at the election of the borrower, by a third-party
    
escrow agent in accordance with the terms established in a written agreement that is signed by the borrower, the lender, and the contractor before the date of payment.
(Source: P.A. 93-561, eff. 1-1-04.)