State statute · Illinois

Use of Credit Information in Personal Insurance Act

215 ILCS 157, complete Act, Secs. 1 through 99, 15 sections

Publisher: Illinois General Assembly, Legislative Reference Bureau
Edition: Illinois Compiled Statutes as published by the Legislative Reference Bureau. The...
Last checked: 2026-09-17
Status: Illinois Compiled Statutes, public domain

Edition and licensing notes

Publisher. Illinois General Assembly, Legislative Reference Bureau (ilga.gov)

Edition. Illinois Compiled Statutes as published by the Legislative Reference Bureau. The publisher's own currency statement on the full-text page reads: "Updating the database of the Illinois Compiled Statutes (ILCS) is an ongoing process. Recent laws may not yet be included in the ILCS database, but they are found on this site as Public Acts soon after they become law... Because the statute database is maintained primarily for legislative drafting purposes, statutory changes are sometimes included in the statute database before they take effect. If the source note at the end of a Section of the statutes includes a Public Act that has not yet taken effect, the version of the law that is currently in effect may have already been removed from the database." Retrieved 2026-09-17.

Status. Illinois Compiled Statutes, public domain (Illinois General Assembly).

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What this document is

215 ILCS 157, Use of Credit Information in Personal Insurance Act (complete Act, Secs. 1 through 99, 15 sections) is a state statute published by Illinois General Assembly, Legislative Reference Bureau (ilga.gov). It is one of the Illinois documents that insurance license exam questions are written from, including illinois property & casualty, illinois personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

215 ILCS 157/25 (Dispute resolution and error correction)
“If it is determined through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 U.S.C. 1681i(a)(5), that the credit information of a current insured was incorrect or incomplete and if the insurer receives notice of that determination from either the consumer...”
215 ILCS 157/20(a)(1) (Use of credit information)
“An insurer authorized to do business in this State that uses credit information to underwrite or rate risks shall not: (1) Use an insurance score that is calculated using income, gender, address, ethnic group, religion, marital status, or nationality of the consumer as a factor.”
215 ILCS 157/10 (Scope)
“This Act applies to personal insurance and not to commercial insurance. For purposes of this Act, "personal insurance" means private passenger automobile, homeowners, motorcycle, mobile-homeowners and non-commercial dwelling fire insurance policies, and boat, personal watercraft, snowmobile, and...”
215 ILCS 157/50 (Sale of policy term information by consumer reporting agency)
“No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer's credit information or a request for a credit report or insurance score. Such information includes, but is...”
215 ILCS 157/22(a) (Extraordinary life events)
“An insurer authorized to do business in this State that uses credit information to underwrite or rate risks shall review and consider an exception to the risk score based upon extraordinary life events after receiving a written and signed notification from the applicant or insured explaining how...”
215 ILCS 157/30(a) (Initial notification)
“If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at the time the insurance application is taken, that it may obtain credit information in connection with the...”
215 ILCS 157/40(a) (Filing)
“Insurers that use insurance scores to underwrite and rate risks must file their scoring models (or other scoring processes) with the Department. A third party may file scoring models on behalf of insurers. A filing that includes insurance scoring may include loss experience justifying the use of credit information.”
215 ILCS 157/50(a) (Sale of policy term information by consumer reporting agency)
“No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer's credit information or a request for a credit report or insurance score. Such information includes, but is...”
215 ILCS 157/5 (Purpose)
“Sec. 5. Purpose. The purpose of this Act is to regulate the use of credit information for personal insurance so that consumers are afforded certain protections with respect to the use of that information.”
215 ILCS 157/35 (Adverse action notification)
“Sec. 35. Adverse action notification. If an insurer takes an adverse action based upon credit information, the insurer must meet all of the notice requirements of this Section. The insurer shall: (1) Provide notification to the consumer that an adverse action has been taken, in accordance with the...”

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Questions about this source

215 ILCS 157, Use of Credit Information in Personal Insurance Act (complete Act, Secs. 1 through 99, 15 sections) is a state statute published by Illinois General Assembly, Legislative Reference Bureau (ilga.gov). Edition: Illinois Compiled Statutes as published by the Legislative Reference Bureau. The publisher's own currency statement on the full-text page reads: "Updating the database of the Illinois Compiled Statutes (ILCS) is an ongoing process. Recent laws may not yet be included in the ILCS database, but they are found on this site as Public Acts soon after they become law... Because the statute database is maintained primarily for legislative drafting purposes, statutory changes are sometimes included in the statute database before they take effect. If the source note at the end of a Section of the statutes includes a Public Act that has not yet taken effect, the version of the law that is currently in effect may have already been removed from the database." Retrieved 2026-09-17..

No. This page summarizes the document and links to the official version. Always rely on the text published by Illinois General Assembly, Legislative Reference Bureau (ilga.gov) for the current law.

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