Illinois Credit Union Act
Illinois · Financial Regulation · §§ 205-305-1 to 205-305-9-1 · 91 sections
Overview
The act governs the chartering, regulation, and internal governance of credit unions — member-owned cooperative financial institutions organized under state law. It establishes how a credit union is formed, running from the application and articles of incorporation through investigation and approval by the state regulator, with an appeal to a supervisory commission, and it sets conditions for commencing business, amending governing documents, maintaining offices, and admitting credit unions chartered elsewhere. It further defines who may become a member and how members vote, prescribes the election, qualification, compensation, bonding, and indemnification of directors and officers along with conflict-of-interest limits, and imposes ongoing reporting, audit, capital, and reserve requirements.
Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.
Sections covered
- 205 ILCS 305/1This Act may be cited as the Illinois Credit Union Act
- 205 ILCS 305/10Credit union records; member financial records
- 205 ILCS 305/10.1Retention of records
- 205 ILCS 305/10.2Electronic records
- 205 ILCS 305/11Board of credit union advisors
- 205 ILCS 305/1.1Definitions
- 205 ILCS 305/12Regulatory fees
- 205 ILCS 305/13General powers
- 205 ILCS 305/13aNon-English language transactions
- 205 ILCS 305/14Incidental powers
- 205 ILCS 305/15Membership defined
- 205 ILCS 305/16Societies and associations
- 205 ILCS 305/16.1Service to the economically disadvantaged
- 205 ILCS 305/16.5Service to target markets
- 205 ILCS 305/17Members who leave field
- 205 ILCS 305/18Liability of members
- 205 ILCS 305/19Meeting of members
- 205 ILCS 305/2Organization procedure
- 205 ILCS 305/20Election or appointment of officials
- 205 ILCS 305/20.5Appointment of associate directors
- 205 ILCS 305/21Record of board and committee members
- 205 ILCS 305/22Vacancies
- 205 ILCS 305/23Compensation of officials
- 205 ILCS 305/24Conflicts of interest
- 205 ILCS 305/25Indemnification
- 205 ILCS 305/26Executive officers
- 205 ILCS 305/27Authority of directors
- 205 ILCS 305/28Executive committee
- 205 ILCS 305/29Meetings of directors
- 205 ILCS 305/3Form of articles and bylaws
- 205 ILCS 305/30Duties of directors
- 205 ILCS 305/31Supervision of loans
- 205 ILCS 305/32Meetings of credit committee
- 205 ILCS 305/33Credit manager
- 205 ILCS 305/34Duties of supervisory committee
- 205 ILCS 305/34.1Compliance review
- 205 ILCS 305/35Suspension and removal of officials
- 205 ILCS 305/36Calling of special meetings
- 205 ILCS 305/37Shares and classes of shares
- 205 ILCS 305/38Dividends
- 205 ILCS 305/39Special purpose share accounts; charitable donation accounts
- 205 ILCS 305/4Amendments to articles of incorporation and bylaws
- 205 ILCS 305/40Shares to minors
- 205 ILCS 305/41Joint accounts
- 205 ILCS 305/42Shares in trust
- 205 ILCS 305/42.5Marketing of services
- 205 ILCS 305/42.7Savings promotion raffle
- 205 ILCS 305/43Liens
- 205 ILCS 305/43.1Enforcement of child support
- 205 ILCS 305/44Share accounts; garnishment
- 205 ILCS 305/44.1Unclaimed property; dormancy or escheat fee
- 205 ILCS 305/45Reduction in shares
- 205 ILCS 305/46Loans and interest rate
- 205 ILCS 305/46.1(Repealed)
- 205 ILCS 305/46.2(Repealed)
- 205 ILCS 305/47Loan applications
- 205 ILCS 305/48Loan limit
- 205 ILCS 305/49Security
- 205 ILCS 305/5Place of business
- 205 ILCS 305/50Line of credit
- 205 ILCS 305/51Other loan programs
- 205 ILCS 305/52Loans to directors, officers, credit committee, and supervisory committee members
- 205 ILCS 305/53Loans to credit unions
- 205 ILCS 305/54Loans to associations
- 205 ILCS 305/55Insurance for members
- 205 ILCS 305/56Liability insurance for directors and officers
- 205 ILCS 305/57Group purchasing and marketing
- 205 ILCS 305/57.1Services to other credit unions
- 205 ILCS 305/58Share insurance
- 205 ILCS 305/59Investment of funds
- 205 ILCS 305/6Fiscal Year
- 205 ILCS 305/60Reserves
- 205 ILCS 305/61Suspension
- 205 ILCS 305/62Liquidation
- 205 ILCS 305/63Merger and consolidation
- 205 ILCS 305/64Conversion of charter
- 205 ILCS 305/64.5Continuation of corporate entity
- 205 ILCS 305/64.7Network credit unions
- 205 ILCS 305/65Conformity with Federal Credit Union Act
- 205 ILCS 305/66Illegal loans
- 205 ILCS 305/67Use of public property
- 205 ILCS 305/68Interest, fines, not usurious-shares and loans not to be taxed
- 205 ILCS 305/69Effect of invalidity of part of this Act
- 205 ILCS 305/69.1Review under Administrative Review Law
- 205 ILCS 305/7Reciprocity; out-of-state credit unions
- 205 ILCS 305/70Use of name, sentence
- 205 ILCS 305/71False statements
- 205 ILCS 305/72Repeal
- 205 ILCS 305/8Secretary's powers and duties
- 205 ILCS 305/9Reports and examinations
- 205 ILCS 305/9.1Disclosures of reports of examinations and confidential supervisory information; limitations
Enacted in other states
Connecticut, Florida, Iowa, Idaho, Maryland, Montana, Nebraska, New Hampshire, New Mexico, Oregon, South Carolina, Texas
Download
Copy
Embed on your site
Hover to preview · click to copy the code