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|  |  | SB1099 Engrossed | - 2 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     "Active duty" means active duty pursuant to an executive  | 
| 2 |  | order of the President of the United States, an act of the  | 
| 3 |  | Congress of the United States, or an order of the Governor. | 
| 4 |  |     "Service member" means a member of the armed services or  | 
| 5 |  | reserve forces of the United States or a member of the Illinois  | 
| 6 |  | National Guard.
 | 
| 7 |  |     (b) No municipality owning a public utility shall stop gas  | 
| 8 |  | or electricity from entering the residential premises of which  | 
| 9 |  | a service member was a primary occupant immediately before the  | 
| 10 |  | service member was  deployed on active duty for nonpayment for  | 
| 11 |  | gas or electricity supplied to the residential premises. | 
| 12 |  |     (c) Upon the return from active duty of a residential  | 
| 13 |  | consumer who is a service member, the municipality shall offer  | 
| 14 |  | the residential consumer a period equal to at least the period  | 
| 15 |  | of the residential consumer's deployment on active duty to pay  | 
| 16 |  | any arrearages incurred during the period of the residential  | 
| 17 |  | consumer's deployment. The municipality shall inform the  | 
| 18 |  | residential consumer that, if the period the municipality  | 
| 19 |  | offers presents a hardship to the consumer, the consumer may  | 
| 20 |  | request a longer period to pay the arrearages. | 
| 21 |  |     (d) In order to be eligible for the benefits granted to  | 
| 22 |  | service members under this Section, a service member must  | 
| 23 |  | provide the municipality with a copy of the military or  | 
| 24 |  | gubernatorial orders calling the service member to active duty  | 
| 25 |  | and of any orders further extending the service member's period  | 
| 26 |  | of active duty.
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|     | 
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| 1 |  |     (e) A violation of this Section constitutes a civil rights  | 
| 2 |  | violation under the Illinois Human Rights Act.
In addition to  | 
| 3 |  | any other penalty that may be provided by law, a municipality  | 
| 4 |  | that wilfully violates this Section is subject to a civil  | 
| 5 |  | penalty of $1,000. The Attorney General may impose a civil  | 
| 6 |  | penalty under this subsection only after he or she provides the  | 
| 7 |  | following to the affected municipality: | 
| 8 |  |         (1) Written notice of the alleged violation. | 
| 9 |  |         (2) Written notice of the municipality's right to  | 
| 10 |  | request an administrative hearing on the question of the  | 
| 11 |  | alleged violation. | 
| 12 |  |         (3) An opportunity to present evidence, orally or in  | 
| 13 |  | writing or both, on the question of the alleged violation  | 
| 14 |  | before an impartial hearing examiner appointed by the  | 
| 15 |  | Attorney General. | 
| 16 |  |         (4) A written decision from the Attorney General, based  | 
| 17 |  | on the evidence introduced at the hearing and the hearing  | 
| 18 |  | examiner's recommendations, finding that the municipality  | 
| 19 |  | violated this Section and imposing the civil penalty. | 
| 20 |  |     The Attorney General may bring an action in the circuit  | 
| 21 |  | court to enforce the collection of a civil penalty imposed  | 
| 22 |  | under this subsection. | 
| 23 |  |     All proceeds from the collection of any civil penalty  | 
| 24 |  | imposed under this subsection shall be deposited into the  | 
| 25 |  | Illinois Military Family Relief Fund.
 | 
| 26 |  | (Source: P.A. 94-635, eff. 8-22-05; 94-802, eff. 5-26-06.)
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|     | 
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|  |  | SB1099 Engrossed | - 4 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     Section 20. The Illinois Insurance Code is amended  by  | 
| 2 |  | changing Section 224.05 as follows:
 | 
| 3 |  |     (215 ILCS 5/224.05) | 
| 4 |  |     Sec. 224.05. Military personnel on active duty; no lapse of  | 
| 5 |  | life insurance policy. | 
| 6 |  |     (a) Except as provided in subsection (b), this Section  | 
| 7 |  | shall apply to any individual life insurance policy insuring  | 
| 8 |  | the life of a member of the armed services or reserve forces of  | 
| 9 |  | the United States or a member of the Illinois National Guard  | 
| 10 |  | who is on active duty pursuant to an executive order of the  | 
| 11 |  | President of the United States, an act of the Congress of the  | 
| 12 |  | United States, or an order of the Governor, if the life  | 
| 13 |  | insurance policy meets both of the following conditions: | 
| 14 |  |         (1) The policy has been in force for at least 180 days. | 
| 15 |  |         (2) The policy has been brought within the  | 
| 16 |  | "Servicemembers Civil Relief Act," 117 Stat. 2835 (2003),  | 
| 17 |  | 50 U.S.C. App. 541 and following. | 
| 18 |  |     (b) This Section does not apply to any policy that was  | 
| 19 |  | cancelled or that had lapsed for the nonpayment of premiums  | 
| 20 |  | prior to the commencement of the insured's period of military  | 
| 21 |  | service. | 
| 22 |  |     (c) An individual life insurance policy described in this  | 
| 23 |  | Section shall not lapse or be forfeited for the nonpayment of  | 
| 24 |  | premiums during the military service of a member of the armed  | 
|     | 
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| 1 |  | services or reserve forces of the United States or a member of  | 
| 2 |  | the Illinois National Guard or during the 2-year period  | 
| 3 |  | subsequent to the end of the member's period of military  | 
| 4 |  | service. | 
| 5 |  |     (d) In order to be eligible for the benefits granted to  | 
| 6 |  | service members under this Section, a service member must  | 
| 7 |  | provide the life insurance company with a copy of the military  | 
| 8 |  | or gubernatorial orders calling the service member to active  | 
| 9 |  | duty and of any orders further extending the service member's  | 
| 10 |  | period of active duty.
 | 
| 11 |  |     (e) This Section does not limit a life insurance company's  | 
| 12 |  | enforcement of provisions in the insured's policy relating to  | 
| 13 |  | naval or military service in time of war.
 | 
| 14 |  |     (f) A violation of this Section constitutes a civil rights  | 
| 15 |  | violation under the Illinois Human Rights Act.
In addition to  | 
| 16 |  | any other penalty that may be provided by law, an insurance  | 
| 17 |  | company that violates this Section is subject to a civil  | 
| 18 |  | penalty of $1,000. The Attorney General may impose a civil  | 
| 19 |  | penalty under this subsection only after he or she provides the  | 
| 20 |  | following to the affected insurance company: | 
| 21 |  |         (1) Written notice of the alleged violation. | 
| 22 |  |         (2) Written notice of the insurance company's right to  | 
| 23 |  | request an administrative hearing on the question of the  | 
| 24 |  | alleged violation. | 
| 25 |  |         (3) An opportunity to present evidence, orally or in  | 
| 26 |  | writing or both, on the question of the alleged violation  | 
|     | 
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| 1 |  | before an impartial hearing examiner appointed by the  | 
| 2 |  | Attorney General. | 
| 3 |  |         (4) A written decision from the Attorney General, based  | 
| 4 |  | on the evidence introduced at the hearing and the hearing  | 
| 5 |  | examiner's recommendations, finding that the insurance  | 
| 6 |  | company violated this Section and imposing the civil  | 
| 7 |  | penalty. | 
| 8 |  |     The Attorney General may bring an action in the circuit  | 
| 9 |  | court to enforce the collection of a civil penalty imposed  | 
| 10 |  | under this subsection. | 
| 11 |  |     All proceeds from the collection of any civil penalty  | 
| 12 |  | imposed under this subsection shall be deposited into the  | 
| 13 |  | Illinois Military Family Relief Fund.
 | 
| 14 |  | (Source: P.A. 94-635, eff. 8-22-05; 94-802, eff. 5-26-06.)
 | 
| 15 |  |     Section 25. The Public Utilities Act is amended  by changing  | 
| 16 |  | Section 8-201.5 as follows:
 | 
| 17 |  |     (220 ILCS 5/8-201.5) | 
| 18 |  |     Sec. 8-201.5. Military personnel on active duty; no  | 
| 19 |  | stoppage of gas or electricity; arrearage. | 
| 20 |  |     (a) In this Section: | 
| 21 |  |     "Active duty" means active duty pursuant to an executive  | 
| 22 |  | order of the President of the United States, an act of the  | 
| 23 |  | Congress of the United States, or an order of the Governor. | 
| 24 |  |     "Service member" means a member of the armed services or  | 
|     | 
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| 1 |  | reserve forces of the United States or a member of the Illinois  | 
| 2 |  | National Guard.
 | 
| 3 |  |     (b) No company or electric cooperative shall stop gas or  | 
| 4 |  | electricity from entering the residential premises of which a  | 
| 5 |  | service member was a primary occupant immediately before the  | 
| 6 |  | service member was  deployed on active duty for nonpayment for  | 
| 7 |  | gas or electricity supplied to the residential premises. | 
| 8 |  |     (c) In order to be eligible for the benefits granted to  | 
| 9 |  | service members under this Section, a service member must  | 
| 10 |  | provide the company or electric cooperative with a copy of the  | 
| 11 |  | military or gubernatorial orders calling the service member to  | 
| 12 |  | active duty and of any orders further extending the service  | 
| 13 |  | member's period of active duty.
 | 
| 14 |  |     (d) Upon the return from active duty of a residential  | 
| 15 |  | consumer who is a service member, the company or electric  | 
| 16 |  | cooperative shall offer the residential consumer a period equal  | 
| 17 |  | to at least the period of deployment on active duty to pay any  | 
| 18 |  | arrearages incurred during the period of the residential  | 
| 19 |  | consumer's deployment. The company or electric cooperative  | 
| 20 |  | shall inform the residential consumer that, if the period that  | 
| 21 |  | the company or electric cooperative offers presents a hardship  | 
| 22 |  | to the consumer, the consumer may request a longer period to  | 
| 23 |  | pay the arrearages and, in the case of a company that is a  | 
| 24 |  | public utility, may request the assistance of the Illinois  | 
| 25 |  | Commerce Commission to obtain a longer period. No late payment  | 
| 26 |  | fees or interest shall be charged to the residential consumer  | 
|     | 
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|  |  | SB1099 Engrossed | - 8 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | during the period of deployment or the repayment period.
 | 
| 2 |  |     (e) A violation of this Section constitutes a civil rights  | 
| 3 |  | violation under the Illinois Human Rights Act.
In addition to  | 
| 4 |  | any other penalty that may be provided by law, a company or  | 
| 5 |  | electric cooperative that wilfully violates this Section is  | 
| 6 |  | subject to a civil penalty of $1,000. The Attorney General may  | 
| 7 |  | impose a civil penalty under this subsection only after he or  | 
| 8 |  | she provides the following to the affected company or electric  | 
| 9 |  | cooperative: | 
| 10 |  |         (1) Written notice of the alleged violation. | 
| 11 |  |         (2) Written notice of the company or electric  | 
| 12 |  | cooperative's right to request an administrative hearing  | 
| 13 |  | on the question of the alleged violation. | 
| 14 |  |         (3) An opportunity to present evidence, orally or in  | 
| 15 |  | writing or both, on the question of the alleged violation  | 
| 16 |  | before an impartial hearing examiner appointed by the  | 
| 17 |  | Attorney General. | 
| 18 |  |         (4) A written decision from the Attorney General, based  | 
| 19 |  | on the evidence introduced at the hearing and the hearing  | 
| 20 |  | examiner's recommendations, finding that the company or  | 
| 21 |  | electric cooperative violated this Section and imposing  | 
| 22 |  | the civil penalty. | 
| 23 |  |     The Attorney General may bring an action in the circuit  | 
| 24 |  | court to enforce the collection of a civil penalty imposed  | 
| 25 |  | under this subsection. | 
| 26 |  |     All proceeds from the collection of any civil penalty  | 
|     | 
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|  |  | SB1099 Engrossed | - 9 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | imposed under this subsection shall be deposited into the  | 
| 2 |  | Illinois Military Family Relief Fund.
 | 
| 3 |  | (Source: P.A. 94-635, eff. 8-22-05; 94-802, eff. 5-26-06.)
 | 
| 4 |  |     Section 30. The Code of Civil Procedure is amended  by  | 
| 5 |  | changing Section 9-107.10 as follows:
 | 
| 6 |  |     (735 ILCS 5/9-107.10) | 
| 7 |  |     Sec. 9-107.10. Military personnel on active duty; action  | 
| 8 |  | for possession. | 
| 9 |  |     (a) In this Section: | 
| 10 |  |     "Active duty" means active duty pursuant to an executive  | 
| 11 |  | order of the President of the United States, an act of the  | 
| 12 |  | Congress of the United States, or an order of the Governor. | 
| 13 |  |     "Service member" means a member of the armed services or  | 
| 14 |  | reserve forces of the United States or a member of the Illinois  | 
| 15 |  | National Guard.
 | 
| 16 |  |     (b) In an action for possession of residential premises of  | 
| 17 |  | a tenant, including a tenant who is a resident of a mobile home  | 
| 18 |  | park, who is a service member deployed on active duty, or of  | 
| 19 |  | any member of the tenant's family who resides with the tenant,  | 
| 20 |  | if the tenant entered into the rental agreement on or after the  | 
| 21 |  | effective date of this amendatory Act of the 94th General  | 
| 22 |  | Assembly, the court may, on its own motion, and shall, upon  | 
| 23 |  | motion made by or on behalf of the tenant, do either of the  | 
| 24 |  | following if the tenant's ability to pay the agreed rent is  | 
|     | 
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| 1 |  | materially affected by the tenant's deployment on active duty: | 
| 2 |  |         (1) Stay the proceedings for a period of 90 days,  | 
| 3 |  | unless, in the opinion of the court, justice and equity  | 
| 4 |  | require a longer or shorter period of time. | 
| 5 |  |         (2) Adjust the obligation under the rental agreement to  | 
| 6 |  | preserve the interest of all parties to it. | 
| 7 |  |     (c) In order to be eligible for the benefits granted to  | 
| 8 |  | service members under this Section, a service member or a  | 
| 9 |  | member of the service member's family who resides with the  | 
| 10 |  | service member must provide the landlord or mobile home park  | 
| 11 |  | operator with a copy of the military or gubernatorial orders  | 
| 12 |  | calling the service member to active duty and of any orders  | 
| 13 |  | further extending the service member's period of active duty.
 | 
| 14 |  |     (d) If a stay is granted under this Section, the court may  | 
| 15 |  | grant the landlord or mobile home park operator such relief as  | 
| 16 |  | equity may require.
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| 17 |  |     (e) A violation of this Section constitutes a civil rights  | 
| 18 |  | violation under the Illinois Human Rights Act.
 | 
| 19 |  | (Source: P.A. 94-635, eff. 8-22-05.)
 | 
| 20 |  |     Section 35. The Illinois Human Rights Act is amended  by  | 
| 21 |  | changing Section 1-103 and adding Section 6-102 as follows:
 | 
| 22 |  |     (775 ILCS 5/1-103)  (from Ch. 68, par. 1-103) | 
| 23 |  |     Sec. 1-103. General Definitions.  When used in this Act,  | 
| 24 |  | unless the
context requires otherwise, the term:
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|     | 
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|  |  | SB1099 Engrossed | - 11 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     (A) Age.  "Age" means the chronological age of a person who  | 
| 2 |  | is at least
40 years old, except with regard to any practice  | 
| 3 |  | described in Section
2-102, insofar as that practice concerns  | 
| 4 |  | training or apprenticeship
programs. In the case of training or  | 
| 5 |  | apprenticeship programs, for the
purposes of Section 2-102,  | 
| 6 |  | "age" means the chronological age of a person
who is 18 but not  | 
| 7 |  | yet 40 years old.
 | 
| 8 |  |     (B) Aggrieved Party. "Aggrieved party" means a person who  | 
| 9 |  | is alleged
or proved to have been injured by a civil rights  | 
| 10 |  | violation or believes he
or she will be injured by a civil  | 
| 11 |  | rights violation under Article 3 that is
about to occur.
 | 
| 12 |  |     (C) Charge. "Charge" means an allegation filed with the  | 
| 13 |  | Department
by an aggrieved party or initiated by the Department  | 
| 14 |  | under its
authority.
 | 
| 15 |  |     (D) Civil Rights Violation. "Civil rights violation"  | 
| 16 |  | includes and
shall be limited to only those specific acts set  | 
| 17 |  | forth in Sections
2-102, 2-103, 2-105, 3-102, 3-103, 3-104,  | 
| 18 |  | 3-104.1, 3-105, 4-102, 4-103,
5-102, 5A-102,
and 6-101, and  | 
| 19 |  | 6-102  of this Act.
 | 
| 20 |  |     (E) Commission. "Commission" means the Human Rights  | 
| 21 |  | Commission
created by this Act.
 | 
| 22 |  |     (F) Complaint. "Complaint" means the formal pleading filed  | 
| 23 |  | by
the Department with the Commission following an  | 
| 24 |  | investigation and
finding of substantial evidence of a civil  | 
| 25 |  | rights violation.
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| 26 |  |     (G) Complainant. "Complainant" means a person including  | 
|     | 
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|  |  | SB1099 Engrossed | - 12 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | the
Department who files a charge of civil rights violation  | 
| 2 |  | with the Department or
the Commission.
 | 
| 3 |  |     (H) Department. "Department" means the Department of Human  | 
| 4 |  | Rights
created by this Act.
 | 
| 5 |  |     (I) Handicap. "Handicap" means a determinable physical or  | 
| 6 |  | mental
characteristic of a person, including, but not limited  | 
| 7 |  | to, a determinable
physical characteristic which necessitates  | 
| 8 |  | the person's use of a guide,
hearing or support dog, the  | 
| 9 |  | history of such characteristic, or the
perception of such  | 
| 10 |  | characteristic by the person complained against, which
may  | 
| 11 |  | result from disease, injury, congenital condition of birth or
 | 
| 12 |  | functional disorder and which characteristic:
 | 
| 13 |  |         (1) For purposes of Article 2 is unrelated to the  | 
| 14 |  | person's ability
to perform the duties of a particular job  | 
| 15 |  | or position and, pursuant to
Section 2-104 of this Act, a  | 
| 16 |  | person's illegal use of drugs or alcohol is not a
handicap;
 | 
| 17 |  |         (2) For purposes of Article 3, is unrelated to the  | 
| 18 |  | person's ability
to acquire, rent or maintain a housing  | 
| 19 |  | accommodation;
 | 
| 20 |  |         (3) For purposes of Article 4, is unrelated to a  | 
| 21 |  | person's ability to
repay;
 | 
| 22 |  |         (4) For purposes of Article 5, is unrelated to a  | 
| 23 |  | person's ability to
utilize and benefit from a place of  | 
| 24 |  | public accommodation.
 | 
| 25 |  |     (J) Marital Status. "Marital status" means the legal status  | 
| 26 |  | of being
married, single, separated, divorced or widowed.
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|     | 
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|  |  | SB1099 Engrossed | - 13 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     (J-1) Military Status.  "Military status" means a person's  | 
| 2 |  | status on
active duty in or status as a veteran of the armed  | 
| 3 |  | forces of the United States, status as a current member or  | 
| 4 |  | veteran of any
reserve component of the armed forces of the  | 
| 5 |  | United States, including the United
States Army Reserve, United  | 
| 6 |  | States Marine Corps Reserve, United States Navy
Reserve, United  | 
| 7 |  | States Air Force Reserve, and United States Coast Guard
 | 
| 8 |  | Reserve, or status as a current member or veteran of the  | 
| 9 |  | Illinois Army National Guard or Illinois Air National
Guard.
 | 
| 10 |  |     (K) National Origin. "National origin" means the place in  | 
| 11 |  | which a
person or one of his or her ancestors was born.
 | 
| 12 |  |     (L) Person. "Person" includes one or more individuals,  | 
| 13 |  | partnerships,
associations or organizations, labor  | 
| 14 |  | organizations, labor unions, joint
apprenticeship committees,  | 
| 15 |  | or union labor associations, corporations, the
State of  | 
| 16 |  | Illinois and its instrumentalities, political subdivisions,  | 
| 17 |  | units
of local government, legal representatives, trustees in  | 
| 18 |  | bankruptcy
or receivers.
 | 
| 19 |  |     (M) Public Contract. "Public contract" includes every  | 
| 20 |  | contract to which the
State, any of its political subdivisions  | 
| 21 |  | or any municipal corporation is a
party.
 | 
| 22 |  |     (N) Religion. "Religion" includes all aspects of religious  | 
| 23 |  | observance
and practice, as well as belief, except that with  | 
| 24 |  | respect to employers, for
the purposes of Article 2, "religion"  | 
| 25 |  | has the meaning ascribed to it in
paragraph (F) of Section  | 
| 26 |  | 2-101.
 | 
|     | 
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|  |  | SB1099 Engrossed | - 14 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     (O) Sex. "Sex" means the status of being male or female.
 | 
| 2 |  |     (O-1) Sexual orientation.  "Sexual orientation" means  | 
| 3 |  | actual or
perceived heterosexuality, homosexuality,  | 
| 4 |  | bisexuality, or gender-related identity,
whether or not  | 
| 5 |  | traditionally associated with the person's designated sex at
 | 
| 6 |  | birth. "Sexual orientation" does not include a physical or  | 
| 7 |  | sexual attraction to a minor by an adult.
 | 
| 8 |  |     (P) Unfavorable Military Discharge. "Unfavorable military  | 
| 9 |  | discharge"
includes discharges from the Armed Forces of the  | 
| 10 |  | United States, their
Reserve components or any National Guard  | 
| 11 |  | or Naval Militia which are
classified as RE-3 or the equivalent  | 
| 12 |  | thereof, but does not include those
characterized as RE-4 or  | 
| 13 |  | "Dishonorable".
 | 
| 14 |  |     (Q) Unlawful Discrimination. "Unlawful discrimination"  | 
| 15 |  | means discrimination
against a person because of his or her  | 
| 16 |  | race, color, religion, national origin,
ancestry, age, sex,  | 
| 17 |  | marital status, handicap, military status, sexual
orientation,
 | 
| 18 |  | or unfavorable
discharge from military service as those terms  | 
| 19 |  | are defined in this Section.
 | 
| 20 |  | (Source: P.A. 93-941, eff. 8-16-04; 93-1078, eff. 1-1-06;  | 
| 21 |  | 94-803, eff. 5-26-06.)
 | 
| 22 |  |     (775 ILCS 5/6-102  new) | 
| 23 |  |     Sec. 6-102. Violations of other Acts. A person who violates  | 
| 24 |  | the Military Leave of Absence Act, the  Public Employee Armed  | 
| 25 |  | Services Rights Act, Section 11-117-12.2 of the Illinois  | 
|     | 
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| 1 |  | Municipal Code,  Section 224.05 of the  Illinois Insurance Code,  | 
| 2 |  | Section 8-201.5 of the Public Utilities Act, Section 9-107.10  | 
| 3 |  | of the Code of Civil Procedure, Section 4.05 of the Interest  | 
| 4 |  | Act, the Military Personnel Cellular Phone Contract  | 
| 5 |  | Termination Act, or Section 37 of the Motor Vehicle Leasing Act  | 
| 6 |  | commits a civil rights violation within the meaning of this  | 
| 7 |  | Act.
 | 
| 8 |  |     Section 40. The Interest Act is amended  by changing Section  | 
| 9 |  | 4.05 as follows:
 | 
| 10 |  |     (815 ILCS 205/4.05) | 
| 11 |  |     Sec. 4.05. Military personnel on active duty; limitation on  | 
| 12 |  | interest rate. | 
| 13 |  |     (a) In this Section: | 
| 14 |  |     "Active duty" means active duty pursuant to an executive  | 
| 15 |  | order of the President of the United States, an act of the  | 
| 16 |  | Congress of the United States, or an order of the Governor. | 
| 17 |  |     "Obligation" means any retail installment sales contract,  | 
| 18 |  | other contract for the purchase of goods or services, or bond,  | 
| 19 |  | bill, note, or other instrument of writing for the payment of  | 
| 20 |  | money arising out of a contract or other transaction for the  | 
| 21 |  | purchase of goods or services. | 
| 22 |  |     "Service member" means a member of the armed services or  | 
| 23 |  | reserve forces of the United States or a member of the Illinois  | 
| 24 |  | National Guard.
 | 
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|  |  | SB1099 Engrossed | - 16 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     (b) Notwithstanding any contrary provision of State law,  | 
| 2 |  | but subject to the federal Servicemembers Civil Relief Act, no  | 
| 3 |  | creditor in connection with an obligation entered into on or  | 
| 4 |  | after the effective date of this amendatory Act of the 94th  | 
| 5 |  | General Assembly, but prior to a service member's deployment on  | 
| 6 |  | active duty, shall charge or collect from a service member who  | 
| 7 |  | is deployed on active duty, or the spouse of that service  | 
| 8 |  | member, interest or finance charges exceeding 6% per annum  | 
| 9 |  | during the period that the service member is deployed on active  | 
| 10 |  | duty. | 
| 11 |  |     (c) Notwithstanding any contrary provision of law,  | 
| 12 |  | interest or finance charges in excess of 6% per annum that  | 
| 13 |  | otherwise would be incurred but for the prohibition in  | 
| 14 |  | subsection (b) are forgiven. | 
| 15 |  |     (d) The amount of any periodic payment due from a service  | 
| 16 |  | member who is deployed on active duty, or the spouse of that  | 
| 17 |  | service member, under the terms of the obligation shall be  | 
| 18 |  | reduced by the amount of the interest and finance charges  | 
| 19 |  | forgiven under subsection (c) that is allocable to the period  | 
| 20 |  | for which the periodic payment is made. | 
| 21 |  |     (e) In order for an obligation to be subject to the  | 
| 22 |  | interest and finance charges limitation of this Section, the  | 
| 23 |  | service member deployed on active duty, or the spouse of that  | 
| 24 |  | service member, shall provide the creditor with written notice  | 
| 25 |  | of and a copy of the military or gubernatorial orders calling  | 
| 26 |  | the service member to active duty and of any orders further  | 
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|  |  | SB1099 Engrossed | - 17 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | extending the service member's period of active duty, not later  | 
| 2 |  | than 180 days after the date of the service member's  | 
| 3 |  | termination of or release from active duty. | 
| 4 |  |     (f) Upon receipt of the written notice and a copy of the  | 
| 5 |  | orders referred to in subsection (e), the creditor shall treat  | 
| 6 |  | the obligation in accordance with subsection (b), effective as  | 
| 7 |  | of the date on which the service member is deployed to active  | 
| 8 |  | duty. | 
| 9 |  |     (g) A court may grant a creditor relief from the interest  | 
| 10 |  | and finance charges limitation of this Section, if, in the  | 
| 11 |  | opinion of the court, the ability of the service member  | 
| 12 |  | deployed on active duty, or the spouse of that service member,  | 
| 13 |  | to pay interest or finance charges with respect to the  | 
| 14 |  | obligation at a rate in excess of 6% per annum is not  | 
| 15 |  | materially affected by reason of the service member's  | 
| 16 |  | deployment on active duty.
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| 17 |  |     (h) A violation of this Section constitutes a civil rights  | 
| 18 |  | violation under the Illinois Human Rights Act.
In addition to  | 
| 19 |  | any other penalty that may be provided by law, a creditor that  | 
| 20 |  | violates this Section is subject to a civil penalty of $1,000.  | 
| 21 |  | The Attorney General may impose a civil penalty under this  | 
| 22 |  | subsection only after he or she provides the following to the  | 
| 23 |  | affected creditor: | 
| 24 |  |         (1) Written notice of the alleged violation. | 
| 25 |  |         (2) Written notice of the creditor's right to request  | 
| 26 |  | an administrative hearing on the question of the alleged  | 
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|  |  | SB1099 Engrossed | - 18 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | violation. | 
| 2 |  |         (3) An opportunity to present evidence, orally or in  | 
| 3 |  | writing or both, on the question of the alleged violation  | 
| 4 |  | before an impartial hearing examiner appointed by the  | 
| 5 |  | Attorney General. | 
| 6 |  |         (4) A written decision from the Attorney General, based  | 
| 7 |  | on the evidence introduced at the hearing and the hearing  | 
| 8 |  | examiner's recommendations, finding that the creditor  | 
| 9 |  | violated this Section and imposing the civil penalty. | 
| 10 |  |     The Attorney General may bring an action in the circuit  | 
| 11 |  | court to enforce the collection of a civil penalty imposed  | 
| 12 |  | under this subsection.
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| 13 |  |     All proceeds from the collection of any civil penalty  | 
| 14 |  | imposed under this subsection shall be deposited into the  | 
| 15 |  | Illinois Military Family Relief Fund.
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| 16 |  | (Source: P.A. 94-635, eff. 8-22-05; 94-802, eff. 5-26-06.)
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| 17 |  |     Section 45. The Military Personnel Cellular Phone Contract  | 
| 18 |  | Termination Act is amended  by adding Section 22 as follows:
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| 19 |  |     (815 ILCS 633/22  new) | 
| 20 |  |     Sec. 22. Violation. A violation of this Act constitutes a  | 
| 21 |  | civil rights violation under the Illinois Human Rights Act.
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| 22 |  |     (815 ILCS 633/20 rep.) | 
| 23 |  |     Section 50. The Military Personnel Cellular Phone Contract  | 
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|  |  | SB1099 Engrossed | - 19 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | Termination Act is amended  by repealing Section 20.
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| 2 |  |     Section 55. The Motor Vehicle Leasing Act is amended  by  | 
| 3 |  | changing Section 37 as follows:
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| 4 |  |     (815 ILCS 636/37) | 
| 5 |  |     Sec. 37. Military personnel on active duty; termination of  | 
| 6 |  | lease. | 
| 7 |  |     (a) In this Act: | 
| 8 |  |     "Active duty" means active duty pursuant to an executive  | 
| 9 |  | order of the President of the United States, an act of the  | 
| 10 |  | Congress of the United States, or an order of the Governor. | 
| 11 |  |     "Motor vehicle" means any automobile, car minivan,  | 
| 12 |  | passenger van, sport utility vehicle, pickup truck, or other  | 
| 13 |  | self-propelled vehicle not operated or driven on fixed rails or  | 
| 14 |  | track. | 
| 15 |  |     "Service member" means a member of the armed services or  | 
| 16 |  | reserve forces of the United States or a member of the Illinois  | 
| 17 |  | National Guard.
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| 18 |  |     (b) Any service member who is deployed on active duty for a  | 
| 19 |  | period of not less than 180 days, or the spouse of that service  | 
| 20 |  | member, may terminate any motor vehicle lease that meets both  | 
| 21 |  | of the following requirements: | 
| 22 |  |         (1) The lease is entered into on or after the effective  | 
| 23 |  | date of this amendatory Act of the 94th General Assembly. | 
| 24 |  |         (2) The lease is executed by or on behalf of the  | 
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|  |  | SB1099 Engrossed | - 20 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  | service member who is deployed on active duty. | 
| 2 |  |     (c) Termination of the motor vehicle lease shall not be  | 
| 3 |  | effective until: | 
| 4 |  |         (1) the service member who is deployed on active duty,  | 
| 5 |  | or the service member's spouse, gives the lessor by  | 
| 6 |  | certified mail, return receipt requested, a notice of the  | 
| 7 |  | intention to terminate the lease together with a copy of  | 
| 8 |  | the military or gubernatorial orders calling the service  | 
| 9 |  | member to active duty and of any orders further extending  | 
| 10 |  | the service member's period of active duty; and | 
| 11 |  |         (2) the motor vehicle subject to the lease is returned  | 
| 12 |  | to the custody or control of the lessor not later than 15  | 
| 13 |  | days after the delivery of the written notice. | 
| 14 |  |     (d) Lease amounts unpaid for the period preceding the  | 
| 15 |  | effective date of the lease's termination shall be paid on a  | 
| 16 |  | prorated basis. The lessor may not impose an early termination  | 
| 17 |  | charge, but any taxes, costs of summons, and title or  | 
| 18 |  | registration fees and any other obligation and liability of the  | 
| 19 |  | lessee under the terms of the lease, including reasonable  | 
| 20 |  | charges to the lessee for excess wear, use, and mileage, that  | 
| 21 |  | are due and unpaid at the time of the lease's termination shall  | 
| 22 |  | be paid by the lessee. | 
| 23 |  |     (e) The lessor shall refund to the lessee lease amounts  | 
| 24 |  | paid in advance for a period after the effective date of the  | 
| 25 |  | lease's termination within 30 days after the effective date of  | 
| 26 |  | the lease's termination. | 
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|  |  | SB1099 Engrossed | - 21 - | LRB095 06040 DRJ 26132 b |  | 
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| 1 |  |     (f) Upon application by the lessor to a court before the  | 
| 2 |  | effective date of the lease's termination, relief granted by  | 
| 3 |  | this Section may be modified as justice and equity require.
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| 4 |  |     (g) A violation of this Section constitutes a civil rights  | 
| 5 |  | violation under the Illinois Human Rights Act.
In addition to  | 
| 6 |  | any other penalty that may be provided by law, a lessor that  | 
| 7 |  | violates this Section is subject to a civil penalty of $1,000.  | 
| 8 |  | The Attorney General may impose a civil penalty under this  | 
| 9 |  | subsection only after he or she provides the following to the  | 
| 10 |  | affected lessor: | 
| 11 |  |         (1) Written notice of the alleged violation. | 
| 12 |  |         (2) Written notice of the lessor's right to request an  | 
| 13 |  | administrative hearing on the question of the alleged  | 
| 14 |  | violation. | 
| 15 |  |         (3) An opportunity to present evidence, orally or in  | 
| 16 |  | writing or both, on the question of the alleged violation  | 
| 17 |  | before an impartial hearing examiner appointed by the  | 
| 18 |  | Attorney General. | 
| 19 |  |         (4) A written decision from the Attorney General, based  | 
| 20 |  | on the evidence introduced at the hearing and the hearing  | 
| 21 |  | examiner's recommendations, finding that the lessor  | 
| 22 |  | violated this Section and imposing the civil penalty. | 
| 23 |  |     The Attorney General may bring an action in the circuit  | 
| 24 |  | court to enforce the collection of a civil penalty imposed  | 
| 25 |  | under this subsection. | 
| 26 |  |     All proceeds from the collection of any civil penalty  |