ILCS » Chapter 815 · Act 375
Illinois Compiled Statutes

815 ILCS 375/20 (2026)

Unless otherwise limited by this Act, the parties shall have the rights and remedies provided in Article 9 of the Uniform Commercial Code with respect to default and disposition and redemption of collateral

✓ current as of May 2026
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(815 ILCS 375/20) (from Ch. 121 1/2, par. 580)
    Sec. 20. Unless otherwise limited by this Act, the parties shall have the rights and remedies provided in Article 9 of the Uniform Commercial Code with respect to default and disposition and redemption of collateral. If the holder of a retail installment contract repossesses a motor vehicle that was used as collateral, the holder shall be subject to the requirements of and shall transfer the certificate of title pursuant to Section 3-114 of the Illinois Vehicle Code.
(Source: P.A. 90-343, eff. 8-8-97; 90-437, eff. 1-1-98; 90-655, eff. 7-30-98; 90-665, eff. 1-1-99.)

    
Notes of Decisions
Cited in 6 cases (1 in the last 5 years), 1994–2023 · leading case: Gen. Motors Acceptance Corp. v. Stoval, 872 N.E.2d 91 (Ill. App. Ct. 2007).
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Gen. Motors Acceptance Corp. v. Stoval, 872 N.E.2d 91 (Ill. App. Ct. 2007). “Section 20 of the Motor Vehicle Retail Installment Sales Act provides that: “Unless otherwise limited by this Act, the parties shall have the rights and remedies provided in Article 9 of the Uniform Commercial Code with respect to default and disposition and redemption of…”
Gainer Bank, N.A. v. Jenkins, 672 N.E.2d 317 (Ill. App. Ct. 1996). · cites it 2× “580 (now 815 ILCS 375/20 (West 1994)). Where the holder fails to comply with the requirements of section 20, the buyer of the car is not liable for any finance, delinquency, collection, or refinancing charges connected with the contract.”
Overland Bond & Inv. Corp. v. Calhoun, 2023 IL App (1st) 221804 (Ill. App. Ct. 2023). · cites it 2× “” 815 ILCS 375/20 (West 2022). -4- 1-22-1804 effort to physically retrieve” the vehicles.”
First Chicago Gary-Wheaton Bank v. Gaughan, 655 N.E.2d 936 (Ill. App. Ct. 1995). “Defendant denied breach and argued that plaintiff failed to give appropriate notice pursuant to section 20 of the Sales Act (815 ILCS 375/20 (West 1992)). Defendant filed four affirmative defenses, alleging (1) promissory estoppel /waiver in accepting the late payments and…”
Bermudez v. First of Am. Bank Champion, N.A., 860 F. Supp. 580 (N.D. Ill. 1994). “9 Champion contends, however, that *593 Champion argues that Bermudez benefitted because when Champion repossessed and sold his vehicle, Champion was required, under Illinois’ Motor Vehicle Retail Installment Sales Act, 815 ILCS 375/20, to forgive the outstanding balance on…”
Gen. Motors Aceptance Corp. v. Stoval (Ill. App. Ct. 2007). “Section 20 of the Motor Vehicle Retail -10- 1-06-1858 Installment Sales Act provides that: “Unless otherwise limited by this Act, the parties shall have the rights and remedies provided in Article 9 of the Uniform Commercial Code with respect to default and disposition and…”
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