Rep. Frank J. Mautino

Filed: 5/18/2011

 

 


 

 


 
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1
AMENDMENT TO SENATE BILL 1306

2    AMENDMENT NO. ______. Amend Senate Bill 1306 by replacing
3everything after the enacting clause with the following:
 
4    "Section 1. Short title. This Act may be cited as the
5Collateral Recovery Act.
 
6    Section 5. Findings; purpose. The General Assembly finds
7that collateral recovery practices affect public health,
8safety, and welfare and declares that the purpose of this Act
9is to regulate individuals and entities engaged in the business
10of collateral recovery for the protection of the public.
 
11    Section 10. Definitions. In this Act:
12    "Assignment" means a written authorization by a legal
13owner, lien holder, lessor, lessee, or licensed repossession
14agency authorized by a legal owner, lien holder, lessor or
15lessee to locate or repossess, involuntarily or voluntarily,

 

 

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1any collateral, including, but not limited to, collateral
2registered under the Illinois Vehicle Code that is subject to a
3security agreement that contains a repossession clause or is
4the subject of a rental or lease agreement.
5    "Assignment" also means a written authorization by an
6employer to recover any collateral entrusted to an employee or
7former employee if the possessor is wrongfully in the
8possession of the collateral. A photocopy, facsimile copy, or
9electronic copy of an assignment shall have the same force and
10effect as an original written assignment.
11    "Branch office" means each additional office and secured
12storage facility location of a repossession agency (i) located
13in and conducting business within the State of Illinois and
14(ii) operating under the same name as the repossession agency
15where business is actively conducted or is engaged in the
16business authorized by the licensure. Each branch office must
17be individually licensed.
18    "Collateral" means any vehicle, boat, recreational
19vehicle, motor home, motorcycle, or other property that is
20subject to a security, lease, or rental agreement.
21    "Commission" means the Illinois Commerce Commission.
22    "Debtor" means any person or entity obligated under a
23lease, rental, or security agreement.
24    "Financial institution" means a bank, a licensee under the
25Consumer Installment Loan Act, savings bank, savings and loan
26association, or credit union organized and operating under the

 

 

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1laws of this or any other state or of the United States, and
2any subsidiary or affiliate thereof.
3    "Legal owner" means a person holding (i) a security
4interest in any collateral that is subject to a security
5agreement, (ii) a lien against any collateral, or (iii) an
6interest in any collateral that is subject to a lease or rental
7agreement.
8    "Licensure" means the approval of the required criteria
9that has been submitted for review in accordance with the
10provisions of this Act.
11    "Licensed recovery manager" means a person who possesses a
12valid license in accordance with the provisions of this Act and
13is in control or management of an Illinois repossession agency.
14    "Personal effects" means any property contained within or
15on repossessed collateral, or property that is not permanently
16affixed to the collateral, that is not the property of the
17legal owner.
18    "Recovery permit" means a permit issued by the Commission
19to a repossession agency employee who has met all the
20requirements under this Act.
21    "Recovery ticket" means a serialized record obtained from
22the Commission for any repossessed vehicle or collateral
23evidencing that any person, business, financial institution,
24automotive dealership, or repossession agency who shows a
25recovery ticket has paid the recovery ticket fee to the
26Commission.

 

 

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1    "Remote storage location" means a secured storage facility
2of a licensed repossession agency designated for the storage of
3collateral that is a secure building or has a perimeter that is
4secured with a fencing construction that makes the area not
5accessible to the public. A remote storage location shall not
6transact business with the public and shall provide evidence of
7applicable insurance to the Commission that specifies the
8licensed repossession agency as the primary policy holder. A
9remote storage location shall be located in a commercially
10zoned area physically located in Illinois.
11    "Repossession agency" means any person or entity
12conducting business within the State of Illinois, that, for any
13type of consideration, engages in the business of, accepts
14employment to furnish, or agrees to provide or provides
15property locating services, property recovery, recovered
16property transportation, recovered property storage, or all
17services relevant to any of the following:
18        (1) The location, disposition, or recovery of property
19    as authorized by the self-help provisions of the Uniform
20    Commercial Code.
21        (2) The location, disposition, or recovery of lost or
22    stolen property.
23        (3) Securing evidence concerning repossession and
24    recovery to be used before any court, board, office, or
25    investigating committee.
26        (4) Inventory of property contained in or on the

 

 

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1    collateral or recovered property.
2        (5) The possession of collateral.
3        (6) The prevention of the misappropriation or
4    concealment of chattel, vehicles, goods, objects,
5    documents, or papers.
6    "Repossession agency" does not include any of the
7following:
8        (1) An attorney at law who is performing his or her
9    duties as an attorney at law.
10        (2) The legal owner of collateral that is subject to a
11    security agreement.
12        (3) An officer or employee of the United States of
13    America or of this State or a political subdivision of this
14    State while the officer or employee is engaged in the
15    performance of his or her official duties.
16        (4) A qualified license or recovery permit holder when
17    performing services for, or on behalf of, a licensed
18    repossession agency.
19        (5) A collection agency licensed under the Collection
20    Agency Act when its activities are limited to assisting an
21    owner in the recovery of property that is not collateral,
22    as defined in this Act.
23    "Repossession agency employee" means any person or
24self-employed independent contractor who is hired by a
25repossession agency.
26    "Secured storage facility" means an area located on the

 

 

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1same premises as a repossession agency office or branch office
2that is designated for the storage of collateral and is a
3secure building or has a perimeter that is secured with a
4fencing construction that makes the area not accessible to the
5public. Each repossession agency office or branch office must
6maintain a secured storage facility.
7    "Security agreement" means an obligation, pledge,
8mortgage, chattel mortgage, lease agreement, rental agreement,
9deposit, or lien, given by a debtor as security for payment or
10performance of his or her debt by furnishing the creditor with
11a recourse to be used in case of failure in the principal
12obligation. "Security agreement" includes a bailment where an
13employer-employee relationship exists or existed between the
14bailor and the bailee.
 
15    Section 15. Powers of the Commission.
16    (a) The Commission shall regulate repossession agencies
17and their employees, managers or agents in accordance with this
18Act, and to that end may establish reasonable requirements with
19respect to proper service and practices relating thereto.
20    (b) The Commission shall have the following powers:
21        (1) To require that all employees, agents, or other
22    personnel used in repossession be employees, agents, or
23    personnel of a licensed repossession agency.
24        (2) To adopt reasonable and proper rules covering the
25    exercise of powers conferred upon it by this Act, and

 

 

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1    reasonable rules governing investigations, hearings, and
2    proceedings under this Act.
3        (3) To adopt appropriate rules setting forth the
4    standards and procedures by which it will administer and
5    enforce this Act.
6        (4) To create special procedures for the receipt and
7    handling of consumer complaints.
8        (5) To employ such persons as are needed to administer
9    and enforce this Act, in such capacities as they are
10    needed, whether as hearing examiners, special examiners,
11    enforcement officers, investigators, or otherwise.
12    (c) The staff of the Commission shall have full power and
13authority in the performance of their official duties to enter
14into or upon any place, building, or premises of any
15repossession agency location or branch office location at any
16reasonable time for the purpose of inspecting such agency
17operating under this Act. The Commission shall not set pricing
18fees for repossessions, personal property storage, skip
19tracing, or other related services provided by repossession
20agencies to their clients.
 
21    Section 20. Rulemaking enforcement.
22    (a) The Commission may adopt any rules and procedures
23necessary to enforce and administer the provisions of this Act.
24    (b) The Commission may, by administrative rule, modify any
25rules or procedures or adjust any Commission fees necessary to

 

 

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1regulate and enforce the provisions of this Act.
 
2    Section 25. Recovery ticket.
3    (a) A licensed repossession agency must purchase a recovery
4ticket from the Commission for each repossessed vehicle or
5collateral. The recovery ticket must show all of the following
6information:
7        (1) The date and time of the repossession.
8        (2) The Vehicle Identification Number (VIN), the make,
9    the model, and the year of the vehicle or collateral
10    repossessed.
11        (3) The agency name, the financial institution, and the
12    recovery permit number.
13        (4) The name and officer identification number of the
14    local law enforcement officer notified of the
15    repossession.
16    (b) The recovery ticket, or copy of the recovery ticket,
17must be placed with the vehicle or collateral at the time of
18repossession and must accompany the vehicle or collateral until
19it has been liquidated or returned to the lien holder or
20debtor. A copy of the recovery ticket must be kept for the
21agency's permanent file for a period of 2 years following the
22date of repossession. A copy of the recovery ticket must be
23returned to the legal owner or financial institution within 72
24hours following the date of repossession.
25    (c) A fee for the recovery ticket must be collected by the

 

 

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1Commission at the time of purchase. The cost for each recovery
2ticket is $10 and is nonrefundable. Recovery tickets must only
3be sold in lots of 50 and 100. Only an Illinois licensed
4repossession agency may purchase recovery tickets.
5    If a repossession agency's license is revoked by the
6Commission, then the repossession agency must return any and
7all unused recovery tickets to the Commission immediately upon
8license revocation. No refund from the Commission shall be
9issued for the return of unused recovery tickets.
10    (d) Any agency or employee found to be in possession of a
11repossessed vehicle without having a valid recovery ticket is
12in violation of this Act and therefore jeopardizing the license
13of the employee or the agency that he or she is repossessing
14for.
 
15    Section 30. License or registration required.
16    (a) It shall be unlawful for any person or entity to
17repossess a vehicle or collateral in this State, attempt to
18repossess a vehicle or collateral in this State, or to hold
19himself, herself, or itself out to be a repossession agency
20unless licensed under this Act.
21    (b) It shall be unlawful for any person to repossess a
22vehicle or collateral in this State, attempt to repossess a
23vehicle or collateral in this State, or to hold himself or
24herself out to be a licensed recovery manager unless licensed
25under this Act.

 

 

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1    (c) It shall be unlawful for any person to repossess a
2vehicle or collateral in this State, attempt to repossess a
3vehicle or collateral in this State, or hold himself or herself
4out to be a repossession agency employee unless he or she holds
5a valid recovery permit issued by the Commission under this
6Act.
7    (d) This Act does not apply to a financial institution or
8the employee of a financial institution when engaged in an
9activity otherwise covered by this Act if the activity is
10conducted by the employee on behalf of that financial
11institution.
12    (e) This Act does not apply to a towing company or towing
13operator when an employee or agent of the creditor financial
14institution is present at the site from which the vehicle is
15towed.
 
16    Section 35. Application for repossession agency licensure.
17    (a) Application for original licensure as a repossession
18agency shall be made to the Commission in writing on forms
19prescribed by the Commission and shall be accompanied by the
20appropriate documentation and the required fee, and the fee is
21nonrefundable.
22    (b) Every application shall state, in addition to any other
23requirements, (i) the name of the applicant, (ii) the name
24under which the applicant shall do business, (iii) the proposed
25location of the agency by number, street, and city, and (iv)

 

 

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1the proposed location of the agency's remote storage location
2or locations by number, street, and city, (v) the proposed
3location of the Agency's branch office or branch offices by
4number, street, and city, and (vi) the usual business hours
5that the agency shall maintain.
6    (c) No license may be issued (i) in any fictitious name
7that may be confused with or is similar to any federal, state,
8county, or municipal government function or agency, (ii) in any
9name that may tend to describe any business function or
10enterprise not actually engaged in by the applicant, (iii) in
11any name that is the same as or similar to any existing
12licensed company and that would tend to deceive the public,
13(iv) in any name that would tend to be deceptive or misleading,
14or (v) to any repossession agency applicant without that
15agency's location or branch office location maintaining a
16secured storage facility as defined in Section 10 of this Act.
17    (d) If the applicant for repossession agency licensure is
18an individual, then his or her application shall include (i)
19the full residential address of the applicant and (ii) either
20the sworn statement of the applicant declaring that he or she
21is the licensed recovery manager who shall be personally in
22control of the agency for which the licensure is sought, or the
23name and signed sworn statement of the licensed recovery
24manager who shall be in control or management of the agency.
25    (e) If the applicant for repossession agency licensure is a
26partnership, then the application shall include (i) a statement

 

 

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1of the names and full residential addresses of all partners in
2the business and (ii) a sworn statement signed by each partner
3verifying the name of the person who is a licensed recovery
4manager and shall be in control or management of the business.
5If a licensed recovery manager who is not a partner shall be in
6control or management of the agency, then he or she must also
7sign the sworn statement. The application shall also state
8whether any of the partners has ever used an alias.
9    (f) If the applicant for licensure as a repossession agency
10is a corporation, then the application shall include (i) the
11names and full residential addresses of all corporation
12officers and (ii) a sworn statement signed by a duly authorized
13officer of the corporation verifying the name of the person who
14is a licensed recovery manager and shall be in control or
15management of the agency. If a licensed recovery manager who is
16not an officer shall be in control or management of the agency,
17then he or she must also sign the sworn statement. The
18application shall also state whether any of the officers has
19ever used an alias.
20    (g) If the applicant for licensure as a repossession agency
21is a limited liability company, then the application shall
22include (i) the names and full residential addresses of all
23members and (ii) a sworn statement signed by each member
24verifying the name of the person who is a licensed recovery
25manager and shall be in control or management of the agency. If
26a licensed recovery manager who is not a member shall be in

 

 

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1control or management of the agency, then he or she must also
2sign the sworn statement. The application shall also state
3whether any of the members has ever used an alias.
4    (h) Each individual, partner of a partnership, officer of a
5corporation, or member of a limited liability company shall
6submit with the application a copy of one form of personal
7identification upon which must appear a photograph taken within
8one year immediately preceding the date of the filing of the
9application.
10    (i) No examination shall be required for licensure as a
11repossession agency by the Commission.
12    (j) The Commission may require any additional information
13that, in the judgment of the Commission, shall enable the
14Commission to determine the qualifications of the applicant for
15licensure.
16    (k) Applicants have 90 days from the date of application to
17complete the application process. If the application has not
18been completed within 90 days, then the application shall be
19denied, the fee shall be forfeited, and the applicant must
20reapply and meet the requirements in effect at the time of
21reapplication.
22    (l) Nothing in this Section precludes a domestic or foreign
23limited liability company being licensed as a repossession
24agency.
25    (m) A repossession agency license may be transferable upon
26prior notice to the Commission and upon completion of all

 

 

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1requirements relative to the application process for
2repossession agency licensure.
3    (n) Repossessions performed in this State must be performed
4by repossession agencies, their employees, or agents licensed
5by the Commission, with the exception of financial institutions
6or the employees of a financial institution that are exempt
7under subsection (d) of Section 30 of this Act.
 
8    Section 37. Enforcement. It shall be unlawful for any
9repossession agency, employee, or agent of a repossession
10agency to operate in this State without a valid license or
11recovery permit issued by the Commission. It shall be unlawful
12for any person or entity to repossess a vehicle or collateral
13in the State without a recovery ticket issued by the
14Commission. The Commission may, at any time during the term of
15the license, make inquiry into the licensee's management or
16conduct of business to determine compliance with the provisions
17of this Act or the rules adopted pursuant to this Act. State,
18county, and local municipalities shall work in conjunction with
19the Commission in the enforcement of this Act.
 
20    Section 40. Qualifications for recovery manager;
21identification card.
22    (a) An applicant is qualified for licensure as a recovery
23manager if that person meets all of the following requirements:
24        (1) Is 21 years of age or older.

 

 

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1        (2) Has not been convicted in any jurisdiction of any
2    felony or at least 10 years has passed from the time of
3    discharge from any sentence imposed for a felony.
4        (3) Has completed no less than 2,500 hours of actual
5    compensated collateral recovery work as an employee of a
6    repossession agency, a financial institution, or a vehicle
7    dealer within the 5 years immediately preceding the filing
8    of an application, acceptable proof of which must be
9    submitted to the Commission.
10        (4) Has submitted to the Commission 2 sets of
11    fingerprints, which shall be checked against the
12    fingerprint records on file with the Illinois State Police
13    and the Federal Bureau of Investigation in the manner set
14    forth in Section 60 of this Act.
15        (5) Has successfully completed a certification program
16    approved by the Commission.
17        (6) Has paid the required application fees.
18    (b) Upon the issuance of a recovery manager license, the
19Commission shall issue the license holder a suitable pocket
20identification card that shall include a photograph of the
21license holder. The identification card must contain the name
22of the license holder and that of the repossession agency that
23employs the license holder, in addition to any other
24information required by the Commission.
25    (c) A recovery manager license is not transferable.
 

 

 

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1    Section 45. Repossession agency employee requirements.
2    (a) All employees of a licensed repossession agency whose
3duties include the actual repossession of collateral must apply
4for a recovery permit. The holder of a repossession agency
5license issued under this Act, known in this Section as the
6"employer", may employ in the conduct of the business under the
7following provisions:
8        (1) No person may be issued a recovery permit who meets
9    any of the following criteria:
10            (A) Is younger than 21 years of age.
11            (B) Has been determined by the Commission to be
12        unfit by reason of conviction of an offense in this or
13        another state, other than a minor traffic offense. The
14        Commission shall adopt rules for making those
15        determinations.
16            (C) Has had a license or recovery permit denied,
17        suspended, or revoked under this Act.
18            (D) Has not successfully completed a certification
19        program approved by the Commission.
20        (2) No person may be employed by a repossession agency
21    under this Section until he or she has executed and
22    furnished to the Commission, on forms furnished by the
23    Commission, a verified statement to be known as an
24    "Employee's Statement" setting forth all of the following:
25            (A) The person's full name, age, and residence
26        address.

 

 

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1            (B) The business or occupation engaged in for the 5
2        years immediately before the date of the execution of
3        the statement, the place where the business or
4        occupation was engaged in, and the names of the
5        employers, if any.
6            (C) That the person has not had a license or
7        recovery permit denied, revoked, or suspended under
8        this Act.
9            (D) Any conviction of a felony, except as provided
10        for in Section 85.
11            (E) Any other information as may be required by any
12        rule of the Commission to show the good character,
13        competency, and integrity of the person executing the
14        statement.
15    (b) Each applicant for a recovery permit shall have his or
16her fingerprints submitted to the Commission by a Live Scan
17fingerprint vendor certified by the Illinois State Police under
18the Private Detective, Private Alarm, Private Security,
19Fingerprint Vendor, and Locksmith Act of 2004 in an electronic
20format that complies with the form and manner for requesting
21and furnishing criminal history record information as
22prescribed by the Illinois State Police. These fingerprints
23shall be checked against the Illinois State Police and Federal
24Bureau of Investigation criminal history record databases now
25and hereafter filed. The Commission shall charge applicants a
26fee for conducting the criminal history records check, which

 

 

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1shall not exceed the actual cost of the records check. The
2Illinois Commerce Commission Police shall furnish, pursuant to
3positive identification, records of Illinois convictions to
4the Commission. The Commission, in its discretion, may allow an
5applicant who does not have reasonable access to a designated
6vendor to provide his or her fingerprints in an alternative
7manner. The Commission, in its discretion, may also use other
8procedures in performing or obtaining criminal history records
9checks of applicants. Instead of submitting his or her
10fingerprints, an individual may submit proof that is
11satisfactory to the Commission that an equivalent security
12clearance has been conducted.
13    (c) Qualified applicants shall purchase a recovery permit
14from the Commission and in a form that the Commission
15prescribes. The Commission shall notify the submitting person
16within 10 days after receipt of the application of its intent
17to issue or deny the recovery permit. The holder of a recovery
18permit shall carry the recovery permit at all times while
19actually engaged in the performance of the duties of his or her
20employment. No recovery permit shall be effective unless
21accompanied by a license issued by the Commission. Expiration
22and requirements for renewal of recovery permits shall be
23established by rule of the Commission. Possession of a recovery
24permit does not in any way imply that the holder of the
25recovery permit is employed by any agency unless the recovery
26permit is accompanied by the employee identification card

 

 

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1required by subsection (e) of this Section.
2    (d) Each employer shall maintain a record of each employee
3that is accessible to the duly authorized representatives of
4the Commission. The record shall contain all of the following
5information:
6        (1) A photograph taken within 10 days after the date
7    that the employee begins employment with the employer. The
8    photograph shall be replaced with a current photograph
9    every 3 calendar years.
10        (2) The Employee's Statement specified in paragraph
11    (2) of subsection (a) of this Section.
12        (3) All correspondence or documents relating to the
13    character and integrity of the employee received by the
14    employer from any official source or law enforcement
15    agency.
16        (4) In the case of former employees, the employee
17    identification card of that person issued under subsection
18    (e) of this Section.
19    (e) Every employer shall furnish an employee
20identification card to each of his or her employees. This
21subsection (e) shall not apply to office or clerical personnel.
22This employee identification card shall contain a recent
23photograph of the employee, the employee's name, the name and
24agency license number of the employer, the employee's personal
25description, the signature of the employer, the signature of
26that employee, the date of issuance, and an employee

 

 

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1identification card number.
2    (f) No employer may issue an employee identification card
3to any person who is not employed by the employer in accordance
4with this Section or falsely state or represent that a person
5is or has been in his or her employ. It is unlawful for an
6applicant for registration to file with the Commission the
7fingerprints of a person other than himself or herself or to
8fail to exercise due diligence in resubmitting replacement
9fingerprints for those employees who have had original
10fingerprint submissions returned as unclassifiable. An agency
11shall inform the Commission within 15 days after contracting or
12employing a licensed repossession agency employee. The
13Commission shall develop a registration process by rule.
14    (g) Every employer shall obtain the identification card of
15every employee who terminates employment with the employer. An
16employer shall immediately report an identification card that
17is lost or stolen to the local police department having
18jurisdiction over the repossession agency location.
19    (h) No agency may employ any person to perform any activity
20under this Act unless the person possesses a valid license or
21recovery permit under this Act.
22    (i) If information is discovered affecting the
23registration of a person whose fingerprints were submitted
24under this Section, then the Commission shall so notify the
25agency that submitted the fingerprints on behalf of that
26person.

 

 

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1    (j) A person employed under this Section shall have 15
2business days within which to notify the Commission of any
3change in employer, but may continue working under any other
4recovery permits granted as an employee or independent
5contractor.
6    (k) This Section applies only to those employees of
7licensed repossession agencies whose duties include actual
8repossession of collateral.
 
9    Section 50. Fees.
10    (a) The license and permit fees required under this Act are
11as follows:
12        (1) Class "R" license (recovery agency), $825.
13        (2) Class "RR" license (branch office), $425.
14        (3) Class "MR" license (recovery agency manager),
15    $325.
16        (4) Class "E" recovery permit, $75.
17        (5) Class "EE" recovery permit (recovery agent
18    intern), $75.
19    An agency shall submit an application to register any
20remote storage location or locations. The Commission shall
21develop by rule the requirements for registering remote storage
22locations. The fee for each registration shall not exceed $300
23as set by the Commission.
24    (b) The Commission may establish by rule a fee for the
25replacement or revision of a license or recovery permit.

 

 

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1    (c) The fees set forth in the Section must be paid by
2certified check or money order, or at the discretion of the
3Commission, by agency check at the time of application. An
4applicant for a Class "E", Class "EE", or Class "MR" license or
5permit must pay the license or permit fee at the time the
6application is made. If a license or permit is revoked or
7denied, or if an application is withdrawn, then the license or
8permit fee shall not be refunded.
 
9    Section 55. Social Security Number or Federal Employee
10Identification Number on application. In addition to any other
11information required by the Commission to be contained in the
12application, every application for original, renewal, or
13restored license or permit shall include the applicant's Social
14Security Number, if an individual, or Federal Employer
15Identification Number, if not an individual. The Commission
16shall not disclose an individual's Social Security Number or
17residential address and must keep that Social Security Number
18and residential address confidential unless disclosure is
19required by law.
 
20    Section 60. Criminal background check. The Commission
21shall require that each individual, partner of a partnership,
22officer of a corporation, or owner of a limited liability
23company, as part of the application process, authorize a
24criminal history records check to determine if such applicant

 

 

09700SB1306ham001- 23 -LRB097 08920 CEL 55779 a

1has ever been charged with a crime and, if so, the disposition
2of those charges. Upon this authorization, each individual,
3partner of a partnership, officer of a corporation, or owner of
4a limited liability company shall submit his or her
5fingerprints to the Commission in the form and manner
6prescribed by the Illinois Commerce Commission Police. These
7fingerprints shall be checked against the fingerprint records
8now and hereafter filed in the Illinois State Police and
9Federal Bureau of Investigation criminal history records
10databases. The Commission shall charge a fee for conducting the
11criminal history records check, which shall be deposited in the
12Transportation Regulatory Fund and shall not exceed the actual
13cost of the records check. The Illinois Commerce Commission
14Police shall provide information concerning any criminal
15charges, and their disposition, now or hereafter filed against
16an applicant upon request of the Commission when the request is
17made in the form and manner required by the Illinois Commerce
18Commission Police.
 
19    Section 65. Licensed recovery manager in control of
20repossession agency.
21    (a) As a condition of licensure, a licensed recovery
22manager must, at all times, be in control or management of the
23repossession agency. Each licensed repossession agency and
24licensed branch office location must have a licensed recovery
25manager.

 

 

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1    (b) A licensed recovery manager may only be in control of
2one repossession agency or branch office location at one time.
3Upon written request by a representative of an agency within 10
4days after the loss of the licensed recovery manager in control
5due to the death of the license holder or because of an
6unanticipated termination of his or her employment, the
7Commission shall issue a temporary permit allowing the
8continuing operation of a previously licensed repossession
9agency. The temporary permit shall be valid for no more than 90
10days. Upon written request by the representative of the agency,
11an extension of an additional 90 days may be granted by the
12Commission for good cause shown. No more than 2 extensions may
13be granted to any repossession agency. A temporary permit may
14not be issued for loss of the licensed recovery manager in
15control or management if that loss is due to disciplinary
16action taken by the Commission.
17    (c) Whenever a licensed recovery manager in control or
18management of a repossession agency ceases to be in control or
19management, the licensed agency shall file notice with the
20Commission within 30 days after the cessation. If the
21repossession agency fails to give written notice at the end of
22the 30-day period, then the agency's license shall
23automatically be suspended. If the notice is filed, then the
24license shall remain in force for a period of 90 days after the
25filing of the notice. At the end of the 90-day period or an
26additional period, not to exceed one year, as specified by the

 

 

09700SB1306ham001- 25 -LRB097 08920 CEL 55779 a

1Commission, if written notice is not given that a licensed
2recovery manager is then in control or management of the
3agency, then the agency's license shall automatically be
4suspended. A license suspended under this Section may be
5reinstated upon payment of a reinstatement fee, to be
6determined by the Commission, and submission of a reinstatement
7application.
8    (d) Except as otherwise provided in this Act, no person may
9serve as the licensed recovery manager in control or management
10of a licensed repossession agency if that person has ever had a
11repossession agency's license revoked or if the person was a
12partner, managing employee, owner, or officer of a repossession
13agency the license of which has been revoked for cause.
14    (e) The license of the recovery manager in control or
15management of a licensed repossession agency, together with the
16agency's license, shall be conspicuously displayed at the
17agency location of which the recovery manager is in control or
18management.
19    (f) A license extended under this Section is subject to all
20other provisions of this Act.
 
21    Section 70. License extension in cases of death or
22disassociation.
23    (a) In the case of the death of a person who is licensed
24individually as a repossession agency, a member of the
25deceased's immediate family shall be entitled to continue

 

 

09700SB1306ham001- 26 -LRB097 08920 CEL 55779 a

1operating the agency under the same license for up to 120 days
2following the date of death, provided that written notice is
3given to the Commission within 30 days following the date of
4death. At the end of the 120-day period, the license shall
5automatically be revoked.
6    (b) In the case of the death or disassociation of a partner
7of a partnership licensed as a repossession agency, the company
8shall notify the Commission, in writing, within 30 days from
9the death or disassociation of the partner. If they fail to
10notify the Commission within the 30-day period, then the
11license shall automatically be revoked at the end of that
12period. If proper notice is given, then the license shall
13remain in force for 90 days following the date of death or
14disassociation of the partner. At the end of the 90-day period,
15the license shall automatically be revoked.
16    (c) A license extended under this Section is subject to all
17other provisions of this Act.
 
18    Section 75. Licenses and recovery permits; renewals;
19restoration; person in military service.
20    (a) An original Class "R" license, Class "RR" license, and
21Class "MR" license shall expire 2 years after the date of
22issuance.
23    (b) An original Class "E" recovery permit and Class "EE"
24recovery permit shall expire one year after the date of
25issuance.

 

 

09700SB1306ham001- 27 -LRB097 08920 CEL 55779 a

1    (c) A renewal Class "R" license, Class "RR" license and
2Class "MR" license shall expire 2 years after the date of
3renewal.
4    (d) A renewal Class "E" recovery permit and Class "EE"
5recovery permit shall expire one year after the date of
6renewal.
7    (e) The following are guidelines for the classes of
8licensure and registration:
9        (1) Any person, firm, company, partnership, or
10    corporation that engages in business as a recovery agency
11    shall have a Class "R" license. A Class "R" license is
12    valid for only one location.
13        (2) Each branch office of a Class "R" agency shall have
14    a Class "RR" license.
15        (3) Any individual who performs the services of a
16    manager for a Class "R" recovery agency or a Class "RR"
17    branch office must have a Class "MR" license.
18        (4) Any individual who performs recovery services as a
19    repossession agency employee for a Class "R" recovery
20    agency or a Class "RR" branch office must have a Class "E"
21    recovery permit.
22        (5) Any individual who performs repossessions as an
23    intern under the direction and control of a designated,
24    sponsoring Class "E" recovery permit or a designated,
25    sponsoring Class "MR" license shall have a Class "EE"
26    recovery permit.

 

 

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1        (6) An individual shall have a Class "MR" or Class "E"
2    recovery permit if he or she owns or is an employee of a
3    Class "R" agency or Class "RR" branch office.
4        (7) Class "MR", Class "E", and Class "EE" licenses and
5    recovery permits are not transferable.
6    (f) At least 90 days prior to the expiration of a license
7or recovery permit, the Commission shall mail to the license or
8permit holder a renewal form in the form and manner prescribed
9by the Commission. The license holder or recovery permit holder
10must complete and mail the renewal form to the Commission, pay
11any fines assessed, and pay any renewal fee required by the
12Commission.
13    (g) Any person or entity that has permitted a license or
14recovery permit to expire may have that license or recovery
15permit restored by making an application to the Commission
16within one year after the expiration of a repossession agency's
17license or a qualified manager license or within 30 days after
18the expiration of a recovery permit, filing proof acceptable to
19the Commission of fitness to have the license or recovery
20permit restored, and paying the required restoration fee.
21However, any person whose license or recovery permit expired
22while (i) in federal service on active duty with the Armed
23Forces of the United States or called into service or training
24with the State militia or (ii) in training or education under
25the supervision of the United States preliminary to induction
26into military service may have his or her license or recovery

 

 

09700SB1306ham001- 29 -LRB097 08920 CEL 55779 a

1permit renewed or restored without paying any lapsed renewal
2fees, if within 2 years after honorable termination of the
3service, training, or education, except under condition other
4than honorable, he or she furnishes the Commission with
5satisfactory evidence to the effect that he or she has been so
6engaged and that the service, training, or education has been
7so terminated.
8    (h) A suspended repossession agency license, recovery
9manager license, or recovery permit is subject to expiration as
10set forth in this Section. Renewal of a certificate or
11registration card does not entitle the license holder or
12recovery permit holder, while the license or recovery permit
13remains suspended and until it is reinstated, to engage in the
14licensed or permitted activity.
15    (i) A revoked repossession agency license, recovery
16manager license, or recovery permit is subject to expiration as
17set forth in this Section; however, it may not be renewed. If a
18revoked license or recovery permit is reinstated after its
19expiration, then the license holder or recovery permit holder,
20as a condition of reinstatement, shall pay a reinstatement fee
21in an amount equal to the renewal fee in effect on the last
22regular renewal date prior to the date on which the license or
23recovery permit is reinstated and any additional delinquency
24fee required by the Commission.
25    (j) Any person or entity that notifies the Commission, in
26writing on forms prescribed by the Commission, may place a

 

 

09700SB1306ham001- 30 -LRB097 08920 CEL 55779 a

1license or recovery permit on inactive status and shall be
2excused from the payment of renewal fees until the person or
3entity notifies the Commission in writing of the intention to
4resume active practice. Any person or entity requesting that a
5license or recovery permit be changed from inactive to active
6status shall be required to pay the current renewal fee.
7    (k) Any repossession agency license holder, recovery
8manager license holder, or recovery permit holder whose license
9or recovery permit is nonrenewed or on inactive status shall
10not engage in the practice of recovery in this State or use the
11title or advertise that he, she, or it performs the services of
12a licensed repossession agency, licensed recovery manager, or
13repossession agency employee.
14    (l) Any person violating subsection (k) of this Section
15shall be considered to be operating a repossession agency
16without a license, acting as a recovery manager without a
17license, or acting as a repossession agency employee without a
18recovery permit and is subject to the disciplinary provisions
19of this Act.
20    (m) A repossession agency license, recovery manager
21license, or recovery permit that is not renewed within 3 years
22after its expiration may not be renewed, restored, reinstated,
23or reissued thereafter. The holder of the license or recovery
24permit may obtain a new license or recovery permit only upon
25compliance with all of the provisions of this Act concerning
26the issuance of original licenses or recovery permits.
 

 

 

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1    Section 80. Refusal, revocation, or suspension.
2    (a) The Commission may refuse to issue or renew or may
3revoke any license or recovery permit or may suspend, place on
4probation, fine, or take any disciplinary action that the
5Commission may deem proper, including fines not to exceed
6$2,500 for each violation, with regard to any license holder or
7recovery permit holder for one or any combination of the
8following causes:
9        (1) Knowingly making any misrepresentation for the
10    purpose of obtaining a license or recovery permit.
11        (2) Violations of this Act or its rules.
12        (3) Conviction of any crime under the laws of the
13    United States or any state or territory thereof that is (i)
14    a felony, (ii) a misdemeanor, an essential element of which
15    is dishonesty, or (iii) a crime that is related to the
16    practice of the profession.
17        (4) Aiding or abetting another in violating any
18    provision of this Act or its rules.
19        (5) Engaging in dishonorable, unethical, or
20    unprofessional conduct of a character likely to deceive,
21    defraud, or harm the public as defined by rule.
22        (6) Violation of any court order from any State or
23    public agency engaged in the enforcement of payment of
24    child support arrearages or for noncompliance with certain
25    processes relating to paternity or support proceeding.

 

 

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1        (7) Solicitation of professional services by using
2    false or misleading advertising.
3        (8) A finding that the license or recovery permit was
4    obtained by fraudulent means.
5        (9) Practicing or attempting to practice under a name
6    other than the full name shown on the license or recovery
7    permit or any other legally authorized name.
8    (b) The Commission may refuse to issue or may suspend the
9license or recovery permit of any person or entity who fails to
10file a return, pay the tax, penalty, or interest shown in a
11filed return, or pay any final assessment of tax, penalty, or
12interest, as required by any tax Act administered by the
13Department of Revenue, until the time the requirements of the
14tax Act are satisfied. The Commission may take into
15consideration any pending tax disputes properly filed with the
16Department of Revenue.
 
17    Section 85. Consideration of past crimes.
18    (a) Notwithstanding the prohibitions set forth in Sections
1940 and 45 of this Act, when considering the denial of a license
20or recovery permit on the grounds of conviction of a crime, the
21Commission, in evaluating the rehabilitation of the applicant
22and the applicant's present eligibility for a license or
23recovery permit, shall consider each of the following criteria:
24        (1) The nature and severity of the act or crime under
25    consideration as grounds for denial.

 

 

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1        (2) Evidence of any act committed subsequent to the act
2    or crime under consideration as grounds for denial, which
3    also could be considered as grounds for disciplinary action
4    under this Act.
5        (3) The amount of time that has lapsed since the
6    commission of the act or crime referred to in item (1) or
7    (2) of this subsection (a).
8        (4) The extent to which the applicant has complied with
9    any terms of parole, probation, restitution, or any other
10    sanctions lawfully imposed against the applicant.
11        (5) Evidence, if any, of rehabilitation submitted by
12    the applicant.
13    (b) When considering the suspension or revocation of a
14license or recovery permit on the grounds of conviction of a
15crime, the Commission, in evaluating the rehabilitation of the
16applicant and the applicant's present eligibility for a license
17or recovery permit, shall consider each of the following
18criteria:
19        (1) The nature and severity of the act or offense.
20        (2) The license holder's or recovery permit holder's
21    criminal record in its entirety.
22        (3) The amount of time that has lapsed since the
23    commission of the act or offense.
24        (4) Whether the license holder or recovery permit
25    holder has complied with any terms of parole, probation,
26    restitution, or any other sanctions lawfully imposed

 

 

09700SB1306ham001- 34 -LRB097 08920 CEL 55779 a

1    against him or her.
2        (5) If applicable, evidence of expungement
3    proceedings.
4        (6) Evidence, if any, of rehabilitation submitted by
5    the license holder or recovery permit holder.
 
6    Section 90. Insurance required. No repossession agency,
7branch office, or remote storage location license shall be
8issued unless the applicant first files with the Commission a
9certification of insurance evidencing coverage in the amount
10required under this Section. The coverage shall provide the
11Commission as an additional insured for the purpose of
12receiving all notices of modifications or cancellations of such
13insurance. Coverage shall be written by an insurance company
14that is lawfully engaged to provide insurance coverage in
15Illinois. Coverage shall provide for a combined single limit
16policy in the amount of at least $1,000,000 per occurrence and
17a $3,000,000 aggregate policy, which shall include commercial
18general liability for wrongful repossession, garage keepers,
19on hook, and drive-away and shall be a direct primary policy.
20Coverage shall provide for a dishonesty bond policy in the
21amount of at least $1,000,000. Coverage shall insure for the
22liability of all employees licensed or registered by the
23Commission while acting in the course of their employment. The
24agency shall notify the Commission immediately upon
25cancellation of the insurance policy, whether the cancellation

 

 

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1was initiated by the insurance company or the insured agency.
2The agency's license shall automatically be suspended on the
3date of cancellation of the policy, unless new evidence of
4insurance is provided to the Commission prior to the effective
5date of cancellation.
 
6    Section 95. Display of license required. At all times, a
7repossession agency's license shall be conspicuously displayed
8at the agency location on record with the Commission.
 
9    Section 100. Local government; home rule.
10    (a) Nothing in this Act shall prevent local authorities in
11any municipality, county, or municipality and county, by
12ordinance and within the exercise of the police power of the
13municipality or county, from requiring repossession agency and
14recovery manager license holders to register their names and
15file a copy of their State identification cards with the
16municipality, county, or municipality and county.
17    (b) A municipality or county, including a home rule unit,
18may not regulate individuals and entities engaged in the
19business of collateral recovery in a manner that is less
20stringent than the standards established under this Act. To the
21extent that any regulation by a municipality or county,
22including a home rule unit, is less stringent than the
23standards established under this Act, it is superseded by this
24Act. This Section is a limitation under subsection (i) of

 

 

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1Section 6 of Article VII of the Illinois Constitution on the
2concurrent exercise by home rule units of powers and functions
3exercised by the State.
 
4    Section 105. Notification of law enforcement. Prior to a
5repossession the licensed repossession agency or repossession
6agency employee shall notify the appropriate law enforcement
7agency located in the jurisdiction in which the licensed
8repossession agency or repossession agency employee plans to
9perform the repossession. Within 30 minutes after the
10completion of the repossession, the licensed repossession
11agency or repossession agency employee must notify the
12appropriate law enforcement agency that the repossession has
13occurred within its jurisdiction.
 
14    Section 110. Repossession of vehicles.
15    (a) With regard to collateral subject to a security
16agreement, repossession occurs when the licensed repossession
17agency employee gains entry into the collateral, the collateral
18becomes connected to a tow vehicle, or the licensed
19repossession agency employee has physical control, custody, or
20possession of the collateral. A debtor may not pursue a
21recovery agent in any way.
22    (b) The licensed repossession agency shall confirm with the
23legal owner of a recovered vehicle whether the legal owner
24holds a security interest in the personal effects or other

 

 

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1property contained in or on the recovered vehicle.
2    (c) If personal effects or other property not covered by a
3security agreement are contained in or on a recovered vehicle
4at the time it is recovered, then the personal effects and
5other property not covered by a security agreement must be
6completely and accurately inventoried, and a record of the
7inventory shall be maintained on file with the licensed
8repossession agency for a period of 2 years following the date
9of repossession. The licensed repossession agency shall hold
10all personal effects and other property not covered by a
11security agreement until the licensed repossession agency
12either returns the personal effects and other property to the
13debtor or disposes of the personal effects and other property
14in accordance with this Section.
15    (d) Within 5 working days following the date of
16repossession, the licensed repossession agency shall give
17written notification to the debtor of the whereabouts of
18personal effects or other property inventoried. At least 45
19days prior to disposing of such personal effects or other
20property, the licensed repossession agency shall, by United
21States Postal Service certified mail, notify the debtor of the
22intent to dispose of the property. Should the debtor, or his or
23her lawful designee, appear to retrieve the personal property
24prior to the date on which the licensed repossession agency is
25allowed to dispose of the property, the licensed repossession
26agency shall surrender the personal property to that individual

 

 

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1upon payment of any reasonably incurred expenses for inventory
2and storage.
3    (e) If personal property is not claimed within 45 days of
4the notice of intent to dispose, then the licensed repossession
5agency may dispose of the personal property at its discretion,
6except that illegal items or contraband shall be surrendered to
7a law enforcement agency, and the licensed repossession agency
8shall retain a receipt or other proof of surrender as part of
9the inventory and disposal records it maintains. The inventory
10of the personal property and the records regarding any disposal
11of personal property shall be maintained for a period of 2
12years in the permanent records of the licensed repossession
13agency and shall be made available upon request to the
14Commission.
 
15    Section 115. Deposit of fees and fines. All of the fees and
16fines collected under this Act shall be deposited into the
17Transportation Regulatory Fund and, subject to appropriation,
18may be used by the Commission for the administration of this
19Act.
 
20    Section 120. Payments; penalty for insufficient funds. Any
21person or entity who delivers a check or other payment to the
22Commission that is returned to the Commission unpaid by the
23financial institution upon which it is drawn shall pay to the
24Commission, in addition to the amount already owed to the

 

 

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1Commission, a fine amount as determined by the Commission. The
2fines imposed by this Section are in addition to any other
3discipline provided under this Act prohibiting unlicensed or
4unregistered practice or practice on a nonrenewed license or
5recovery permit. The Commission shall notify the person or
6entity that fees and fines shall be paid to the Commission by
7certified check or money order within 30 calendar days after
8notification. If, after the expiration of 30 days from the date
9of notification, the person or entity has failed to submit the
10necessary remittance, then the Commission shall automatically
11terminate the license or recovery permit or deny the
12application without hearing. If, after termination or denial,
13the person seeks a license or recovery permit, then the person
14or entity shall apply to the Commission for restoration or
15issuance of the license or recovery permit and pay all fees and
16fines due to the Commission. The Commission may establish a fee
17for the processing of an application for restoration of a
18license or recovery permit to pay all expenses of processing
19the application. The Commission may waive the fines due under
20this Section in individual cases where the Commission finds
21that the fines would be unreasonable or unnecessarily
22burdensome.
 
23    Section 125. Filings, formal complaints. All repossession
24activity correspondence relating to complaints and alleged
25violations of this Act shall be submitted to the Commission in

 

 

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1writing on forms and in a manner prescribed by the Commission.
 
2    Section 130. Roster. The Commission shall maintain a
3roster of names and addresses of all persons who hold valid
4licenses and recovery permits and all persons whose licenses or
5recovery permits have been suspended or revoked within the
6previous year.
 
7    Section 135. Violations; injunctions; cease and desist
8order.
9    (a) If any person or entity violates a provision of this
10Act, then the Commission may, in the name of the People of the
11State of Illinois, through the Attorney General of the State of
12Illinois, petition for an order enjoining the violation or for
13an order enforcing compliance with this Act. Upon the filing of
14a verified petition in court, the court may issue a temporary
15restraining order, without notice or bond, and may
16preliminarily and permanently enjoin the violation. If it is
17established that the person or entity has violated or is
18violating the injunction, the court may punish the offender for
19contempt of court. Proceedings under this Section are in
20addition to, and not in lieu of, all other remedies and
21penalties provided by this Act.
22    (b) If any person or entity practices as a repossession
23agency or a recovery manager or holds himself, herself, or
24itself out as such without having a valid license or recovery

 

 

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1permit under this Act, then any license holder or recovery
2permit holder, any person injured thereby, or any resident of
3or legal entity within the State may, in addition to the
4Commission, petition for relief as provided in subsection (a)
5of this Section.
6    (c) Whenever, in the opinion of the Commission, any person
7or entity violates any provision of this Act, the Commission
8may issue a rule to show cause why an order to cease and desist
9should not be entered against that person or entity. The rule
10shall clearly set forth the grounds relied upon by the
11Commission and shall provide a period of 7 days from the date
12of the rule to file an answer to the satisfaction of the
13Commission. Failure to answer to the satisfaction of the
14Commission shall cause an order to cease and desist to be
15issued immediately.
 
16    Section 140. Investigation; notice and hearing. The
17Commission may investigate the actions or qualifications of any
18person or entity holding or claiming to hold a license or
19recovery permit. The Commission may take any immediate
20disciplinary action that the Commission may deem proper if a
21person or entity repossesses a vehicle or collateral in the
22State without a valid license or permit. For all other
23disciplinary actions against a license or recovery permit
24holder, the Commission shall (i) notify the accused in writing
25of any charges made and the time and place for a hearing on the

 

 

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1charges at least 30 days before the date set for the hearing,
2(ii) direct the accused to file a written answer to the charges
3under oath within 30 days after the service on the person or
4entity of such notice, and (iii) inform the accused that
5failure to file an answer shall result in a default judgment
6against the person or entity and the person's or entity's
7license or recovery permit may be suspended, revoked, placed on
8probationary status, or other disciplinary action taken with
9regard to the license or recovery permit as the Commission may
10deem proper.
11    In case the person or entity, after receiving notice, fails
12to file an answer, the person's or entity's license or recovery
13permit may, in the discretion of the Commission, be suspended,
14revoked, placed on probationary status, or the Commission, may
15take whatever disciplinary action it deems proper, including
16the imposition of a fine, without a hearing, if the act or acts
17charged constitute sufficient grounds for such action under
18this Act. This written notice and any notice in the subsequent
19proceedings may be served by personal delivery to the accused,
20or by registered or certified mail to the address last
21specified by the accused in the last notification to the
22Commission.
23    The written answer shall be served by personal delivery,
24certified delivery, or certified or registered mail to the
25Commission. At the time and place fixed in the notice, the
26Commission shall proceed to hear the charges and the parties or

 

 

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1their counsel shall be accorded ample opportunity to present
2such statements, testimony, evidence, and argument as may be
3pertinent to the charges or to the defense thereto. The
4Commission may continue such hearing from time to time. At the
5discretion of the Commission, the accused person's or entity's
6license or recovery permit may be suspended or revoked, if the
7evidence constitutes sufficient grounds for such action under
8this Act.
 
9    Section 145. Record of proceeding. The Commission, at its
10expense, shall preserve a record of all proceedings at the
11formal hearing of any case. The notice of hearing, complaint
12and all other documents in the nature of pleadings and written
13motions filed in the proceedings, the transcript of testimony,
14and orders of the Commission shall be in the record of the
15proceedings.
 
16    Section 150. Subpoenas; oaths; attendance of witnesses.
17The Commission has the power to subpoena and to bring before it
18any person and to take testimony either orally or by
19deposition, or both, with the same fees and mileage and in the
20same manner as is prescribed in civil cases in the courts of
21this State. The Commission and the designated hearing officer
22have the power to administer oaths to witnesses at any hearing
23that the Commission is authorized to conduct and any other
24oaths authorized in any Act administered by the Commission. Any

 

 

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1circuit court may, upon application of the Commission or its
2designee or of the applicant, license holder, or recovery
3permit holder against whom proceedings under this Act are
4pending, enter an order requiring the attendance of witnesses
5and their testimony, and the production of documents, papers,
6files, books, and records in connection with any hearing or
7investigation. The court may compel obedience to its order by
8proceedings for contempt.
 
9    Section 155. Recommendations for disciplinary action. At
10the conclusion of the hearing, the Commission shall prepare a
11written report of its findings and recommendations. The report
12shall contain a finding whether or not the accused person or
13entity violated this Act or failed to comply with the
14conditions required in this Act. The finding is not admissible
15in evidence against the person in a criminal prosecution
16brought for the violation of this Act, but the hearing and
17finding are not a bar to a criminal prosecution brought for the
18violation of this Act.
 
19    Section 160. Rehearing. In any hearing involving
20disciplinary action against a license holder or recovery permit
21holder, a copy of the Commission's report shall be served upon
22the respondent by the Commission, either personally or as
23provided in this Act for the service of the notice of hearing.
24Within 20 calendar days after service, the respondent may

 

 

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1present to the Commission a motion in writing for a rehearing
2that shall specify the particular grounds for rehearing. If no
3motion for rehearing is filed, then upon the expiration of the
4time specified for filing a motion, or if a motion for
5rehearing is denied, then upon denial, the Commission may enter
6an order in accordance with its own recommendations except as
7provided in this Act. If the respondent orders from the
8reporting service, and pays for, a transcript of the record
9within the time for filing a motion for rehearing, then the 20
10calendar day period within which a motion may be filed shall
11commence upon the delivery of the transcript to the respondent.
 
12    Section 165. Appointment of a hearing officer. The
13Commission has the authority to appoint any attorney duly
14licensed to practice law in the State of Illinois to serve as
15the hearing officer in any action for refusal to issue or renew
16a license or recovery permit or to discipline a license holder
17or recovery permit holder. The hearing officer has full
18authority to conduct the hearing. The hearing officer shall
19report his or her findings and recommendations to the
20Commission. The Commission has 60 calendar days from receipt of
21the report to review the report of the hearing officer. If the
22Commission disagrees with the recommendation of the hearing
23officer, then the Commission may issue an order in
24contravention of the recommendation.
 

 

 

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1    Section 170. Hearing by other examiner. Whenever the
2Commission is not satisfied that substantial justice has been
3done in revoking or suspending a license or recovery permit, or
4refusing to issue or renew a license or recovery permit, the
5Commission may order a rehearing.
 
6    Section 175. Order; certified copy. An order or a
7certified copy thereof, over the seal of the Commission, shall
8be prima facie proof:
9    (a) that the seal is the genuine seal of the Commission;
10and
11    (b) that the Commission is duly appointed and qualified.
 
12    Section 180. Restoration. At any time after the suspension
13or revocation of any license or recovery permit, the Commission
14may restore the license or recovery permit to the accused
15person, unless after an investigation and a hearing the
16Commission determines that restoration is not in the public
17interest.
 
18    Section 185. License and recovery permit surrender. Upon
19the revocation or suspension of any license or recovery permit,
20the license holder or recovery permit holder shall immediately
21surrender the license or recovery permit to the Commission. If
22the license holder or recovery permit holder fails to do so,
23then the Commission has the right to seize the license or

 

 

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1recovery permit.
 
2    Section 190. Summary suspension. The Commission may
3summarily suspend the license of a repossession agency, the
4license of a recovery manager, or the recovery permit of an
5employee without a hearing, simultaneously with the
6institution of proceedings for a hearing provided for in this
7Act, if the Commission finds that evidence in its possession
8indicates that a repossession agency's, recovery manager's, or
9employee's continuation in the business of collateral recovery
10would constitute an imminent danger to the public. In the event
11that the Commission summarily suspends a license or recovery
12permit without a hearing, a hearing by the Commission must be
13held within 30 calendar days after the suspension has occurred.
 
14    Section 195. Judicial review. All final administrative
15decisions of the Commission are subject to judicial review
16under the Administrative Review Law and its rules. The term
17"administrative decision" is defined as in Section 3-101 of the
18Code of Civil Procedure. Proceedings for judicial review shall
19be commenced in the circuit court of the county in which the
20party applying for review resides; but if the party is not a
21resident of this State, the venue shall be in Sangamon County.
 
22    Section 200. Violations; criminal penalties. Any person
23who is found to have violated any provision of this Act is

 

 

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1guilty of a Class A misdemeanor for the first offense, and a
2Class 4 felony for a second or subsequent offense.
 
3    Section 205. Illinois Administrative Procedure Act. The
4Illinois Administrative Procedure Act is expressly adopted and
5incorporated in this Act as if all of the provisions of that
6Act were included in this Act. For the purpose of this Act, the
7notice required under Section 10-25 of the Illinois
8Administrative Procedure Act is deemed sufficient when mailed
9to the last known address of a party.
 
10    Section 900. The Regulatory Sunset Act is amended by adding
11Section 4.32 as follows:
 
12    (5 ILCS 80/4.32 new)
13    Sec. 4.32. Act repealed on January 1, 2022. The following
14Act is repealed on January 1, 2022:
15    The Collateral Recovery Act.
 
16    Section 999. Effective date. This Act takes effect July 1,
172012.".