ILCS » Chapter 815 · Act 605
Illinois Compiled Statutes

815 ILCS 605/3 (2026)

As used in this Act:     (a) "Buyer" means an individual who is solicited to purchase or who purchases the services of a credit services organization

✓ current as of May 2026
Find cases: SyfertCases citing this section IL-ILGAilga.gov JustiaChapter on Justia CornellLII Search CasesGoogle Scholar
(815 ILCS 605/3) (from Ch. 121 1/2, par. 2103)
    Sec. 3. As used in this Act:
    (a) "Buyer" means an individual who is solicited to purchase or who purchases the services of a credit services organization.
    (b) "Consumer reporting agency" has the meaning assigned by Section 603(f), Fair Credit Reporting Act (15 U.S.C. Section 1681a(f)).
    (c) "Extension of Credit" means the right to defer payment of a debt or to incur a debt and defer its payment offered or granted primarily for personal, family, or household purposes.
    (d) "Credit Services Organization" means a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides, or represents that the person can or will provide, any of the following services:
        (i) improving a buyer's credit record, history, or
    
rating;
        (ii) obtaining an extension of credit for a buyer; or
        (iii) providing advice or assistance to a buyer with
    
regard to either subsection (i) or (ii).
    "Credit Services Organization" does not include any of the following:
        (i) a person authorized to make loans or extensions
    
of credit under the laws of this State or the United States who is subject to regulation and supervision by this State or the United States, or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act (12 U.S.C. Section 1701 et seq.);
        (ii) a bank or savings and loan association whose
    
deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association;
        (iii) a credit union doing business in this State;
        (iv) a nonprofit organization exempt from taxation
    
under Section 501(c)(3) of the Internal Revenue Code of 1986, provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization;
        (v) a person licensed as a real estate broker by this
    
state if the person is acting within the course and scope of that license;
        (vi) a person licensed to practice law in this State
    
acting within the course and scope of the person's practice as an attorney;
        (vii) a broker-dealer registered with the Securities
    
and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation;
        (viii) a consumer reporting agency; and
        (ix) a residential mortgage loan broker or banker who
    
is duly licensed under the Illinois Residential Mortgage License Act of 1987.
    (e) "Person" means an individual, corporation, partnership, joint venture or any business entity.
(Source: P.A. 88-120.)

    
Notes of Decisions
Cited in 9 cases (1 in the last 5 years), 2000–2023 · leading case: Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003).
Sort: Relevance Newest Treatment
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). · cites it 28× “Midstate maintains that, in enacting the Credit Services Act, the legislature did not intend to regulate the actions of retailers, such as Midstate, in facilitating the extension of credit to their customers.”
Greene v. CCDN, LLC, 853 F. Supp. 2d 739 (N.D. Ill. 2011). · cites it 3× “§ 1679a(3), and whether each of the Defendants is a “credit service organization” under the ICSOA, 815 ILCS 605/3(d). (2) Whether each of the Defendants violated § 1679b(b) of the CROA and § 605/5(1) of the ICSOA by demanding and receiving payments from Plaintiffs in advance of…”
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 2000). · cites it 6× “Moreover, if the legislature intended to confine the Act to those companies that solely provide credit services and not to include retailers within the Act's purview, we believe that the Act would have so stated. Section 3 of the Act includes a list of organizations and people…”
Cannon v. William Chevrolet/Geo, Inc., 794 N.E.2d 843 (Ill. App. Ct. 2003). “” 815 ILCS 605/3(a), (d) (West 1998). Recently, our supreme court addressed a similar question in determining whether the Credit Services Act applied to a transaction between a retailer and a homeowner in Midstate Siding & Window Co.”
Gomez v. Jackson Hewitt, Inc., 16 A.3d 261 (Md. Ct. Spec. App. 2011). “In turn, the services of the credit services organization are “improving a buyer’s credit record, history, or rating”; “obtaining an extension of credit for a buyer”; or “providing advice or assistance to a buyer” with regard to “improving a buyer’s credit record, history, or…”
Strohmaier v. Yemm Chevrolet, 211 F. Supp. 2d 1036 (N.D. Ill. 2001). “815 ILCS 605/3(d). To answer the question of whether a car dealership is included in this definition, we look to how the Illinois courts have interpreted the statute.”
Midstate Siding & Window Co. v. Rogers (Ill. 2003). · cites it 14× “Midstate counters that it provided a gratuitous service to the Rogers in forwarding their loan application to the financial institutions.”
Solar Micronics, Inc. v. Reddy (N.D. Ill. 2023). · cites it 2× “” 815 ILCS 605/3(a). The Act further defines a “credit services organization” as: [A] person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides, or represents that the person can or will…”
Cannon v. William Chevrolet/Geo, Inc. (Ill. App. Ct. 2003). “" 815 ILCS 605/3(a), (d) (West 1998). Recently, our supreme court addressed a similar question in determining whether the Credit Services Act applied to a transaction between a retailer and a homeowner in Midstate Siding and Window Co.”
— 815 ILCS 605/3(a) — 5 cases
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). “Midstate maintains that, in enacting the Credit Services Act, the legislature did not intend to regulate the actions of retailers, such as Midstate, in facilitating the extension of credit to their customers.”
Cannon v. William Chevrolet/Geo, Inc., 794 N.E.2d 843 (Ill. App. Ct. 2003). “” 815 ILCS 605/3(a), (d) (West 1998). Recently, our supreme court addressed a similar question in determining whether the Credit Services Act applied to a transaction between a retailer and a homeowner in Midstate Siding & Window Co.”
Midstate Siding & Window Co. v. Rogers (Ill. 2003). “Midstate counters that it provided a gratuitous service to the Rogers in forwarding their loan application to the financial institutions.”
Solar Micronics, Inc. v. Reddy (N.D. Ill. 2023). “” 815 ILCS 605/3(a). The Act further defines a “credit services organization” as: [A] person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides, or represents that the person can or will…”
Cannon v. William Chevrolet/Geo, Inc. (Ill. App. Ct. 2003). “" 815 ILCS 605/3(a), (d) (West 1998). Recently, our supreme court addressed a similar question in determining whether the Credit Services Act applied to a transaction between a retailer and a homeowner in Midstate Siding and Window Co.”
— 815 ILCS 605/3(c) — 1 case
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 2000). “Moreover, if the legislature intended to confine the Act to those companies that solely provide credit services and not to include retailers within the Act's purview, we believe that the Act would have so stated. Section 3 of the Act includes a list of organizations and people…”
— 815 ILCS 605/3(d) — 6 cases
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). “Midstate maintains that, in enacting the Credit Services Act, the legislature did not intend to regulate the actions of retailers, such as Midstate, in facilitating the extension of credit to their customers.”
Greene v. CCDN, LLC, 853 F. Supp. 2d 739 (N.D. Ill. 2011). “§ 1679a(3), and whether each of the Defendants is a “credit service organization” under the ICSOA, 815 ILCS 605/3(d). (2) Whether each of the Defendants violated § 1679b(b) of the CROA and § 605/5(1) of the ICSOA by demanding and receiving payments from Plaintiffs in advance of…”
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 2000). “Moreover, if the legislature intended to confine the Act to those companies that solely provide credit services and not to include retailers within the Act's purview, we believe that the Act would have so stated. Section 3 of the Act includes a list of organizations and people…”
Strohmaier v. Yemm Chevrolet, 211 F. Supp. 2d 1036 (N.D. Ill. 2001). “815 ILCS 605/3(d). To answer the question of whether a car dealership is included in this definition, we look to how the Illinois courts have interpreted the statute.”
Midstate Siding & Window Co. v. Rogers (Ill. 2003). “Midstate counters that it provided a gratuitous service to the Rogers in forwarding their loan application to the financial institutions.”
— 815 ILCS 605/3(d)(ii) — 2 cases
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). “Midstate maintains that, in enacting the Credit Services Act, the legislature did not intend to regulate the actions of retailers, such as Midstate, in facilitating the extension of credit to their customers.”
Midstate Siding & Window Co. v. Rogers (Ill. 2003). “Midstate counters that it provided a gratuitous service to the Rogers in forwarding their loan application to the financial institutions.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.