ILCS » Chapter 815 · Act 122
Illinois Compiled Statutes

815 ILCS 122/1-1 (2026)

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✓ current as of May 2026
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(815 ILCS 122/1-1)
    Sec. 1-1. Short title. This Act may be cited as the Payday Loan Reform Act.
(Source: P.A. 94-13, eff. 12-6-05.)

    
Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2024–2024 · leading case: Goodrich Cicero Strip LLC v. PLS Fin. Solutions of Illinois, Inc. (N.D. Ill. 2024).
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Goodrich Cicero Strip LLC v. PLS Fin. Solutions of Illinois, Inc. (N.D. Ill. 2024). “) PLS had been offering payday loans pursuant to the Payday Loan Reform Act (“PLRA”), 815 ILCS 122/1-1 et seq. (DRPSF ¶ 15.)1 The PLRA had previously defined a “‘[p]ayday loan’ or ‘loan,’” in relevant part, as “a loan with a finance charge exceeding an annual percentage rate of…”
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