ILCS » Chapter 205 · Act 635
Illinois Compiled Statutes

205 ILCS 635/1-1 (2026)

This Act shall be known and may be cited as the "Residential Mortgage License Act of 1987"

✓ current as of May 2026
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(205 ILCS 635/1-1) (from Ch. 17, par. 2321-1)
    Sec. 1-1. This Act shall be known and may be cited as the "Residential Mortgage License Act of 1987".
(Source: P.A. 85-735.)

    
Notes of Decisions
Cited in 16 cases (1 in the last 5 years), 2005–2025 · leading case: Wells Fargo Bank, N.A. v. Maka, 2017 IL App (1st) 153010 (Ill. App. Ct. 2017).
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Wells Fargo Bank, N.A. v. Maka, 2017 IL App (1st) 153010 (Ill. App. Ct. 2017). · cites it 3× “BNY 1-15-3010 Mortgage (Alliance) was not licensed at the time the loan was originated pursuant to the Residential Mortgage License Act of 1987 (License Act) (205 ILCS 635/1-1 et seq. (West 2012)). Defendant now appeals from the circuit court’s orders (specifically the order of…”
Reid v. Neighborhood Assistance Corp. of Am., 749 F.3d 581 (7th Cir. 2014). “, the Illinois Residential Mortgage License Act ("IRMLA”), 205 ILCS 635/1-1, et seq., and the Secure and Fair Enforcement for Mortgage Licensing Act ('‘SAFE” Act), 12 U.”
Bayview Loan Servicing, LLC v. 2010 Real Est. Foreclosure, LLC, 2013 IL App (1st) 120711 (Ill. App. Ct. 2013). “205 ILCS 635/1-1 et seq. (West 2010). ¶ 35 Section 2.”
All Am. Title Agency, LLC v. Dep't of Fin. & Prof'l Reg., 2013 IL App (1st) 113400 (Ill. App. Ct. 2013). “¶6 On August 2, 2006, the banking division of the Department issued an emergency order suspending White’s loan originator registration for violations of the Residential Mortgage License Act of 1987 (205 ILCS 635/1-1 et seq. (West 2004)) and its accompanying rules.”
First Mortg. Co. v. Dina, 2017 IL App (2d) 170043 (Ill. App. Ct. 2017). “(West 2006)), that, if the original mortgagee, First Mortgage Company of Idaho, LLC (FMCI), lacked a license required by the Act, the Dina's mortgage (which First Mortgage had acquired from FMCI) would be void. Based on uncertainty about FMCI's licensure status, we vacated a…”
Wells Fargo Bank, N.A. v. Maka, 2017 IL App (1st) 153010 (Ill. App. Ct. 2017). “, defendant raised the issue before the circuit court that his mortgage was void because the original lender, Alliance Mortgage Company d/b/a BNY Mortgage (Alliance) was not licensed at the time the loan was originated pursuant to the Residential Mortgage License Act of 1987…”
First Mortg. Co. v. Dina, 2014 IL App (2d) 130567 (Ill. App. Ct. 2014). “They argue that the court improperly granted summary judgment for foreclosure in favor of plaintiff, First Mortgage Company, LLC; they assert, among other things, that they properly raised the defense that the mortgage lender, First Mortgage Company of Idaho, LLC (FMCI), was not…”
First Mortg. Co. v. Dina, 2017 IL App (2d) 170043 (Ill. App. Ct. 2018). “¶2 In Dina I, we held, based on our interpretation of the Residential Mortgage License Act of 1987 (Act) (205 ILCS 635/1-1 et seq. (West 2006)), that, if the original mortgagee, First Mortgage Company of Idaho, LLC (FMCI), lacked a license required by the Act, the Dinas’…”
Graham v. Midland Mortg. Co., 406 F. Supp. 2d 948 (N.D. Ill. 2005). “110, contains regulations that correspond to 205 ILCS 635/1-1 et. seq., the Residential Mortgage License Act of 1987 (“License Act”).”
U.S. Bank Nat'l Ass'n v. Hartman, 2016 IL App (1st) 151556 (Ill. App. Ct. 2017). “Defendant claimed that a mortgage made by an entity that lacked authorization under the Residential Mortgage License Act of 1987 (License Act) (205 ILCS 635/1-1 et seq. (West 2004))2 was void as against public policy, and that “[a]ll orders in this case are void based on a void…”
U.S. Bank Nat'l Assoc v. Hartman, 2016 IL App (1st) 151556 (Ill. App. Ct. 2016). “1-15-1556 Defendant claimed that a mortgage made by an entity that lacked authorization under the Residential Mortgage License Act of 1987 (License Act) (205 ILCS 635/1-1 et seq. (West 2004)) 2 was void as against public policy, and that “[a]ll orders in this case are void based…”
First Mortg. Co. v. Dina, 2014 IL App (2d) 130567 (Ill. App. Ct. 2014). “They argue that the court improperly granted summary judgment for foreclosure in favor of plaintiff, First Mortgage Company, LLC; they assert, among other things, that they properly raised the defense that the mortgage lender, First Mortgage Company of Idaho, LLC (FMCI), was not…”
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