775 ILCS 5/ Illinois Human Rights Act.

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775 ILCS 5/4-103

(775 ILCS 5/4-103) (from Ch. 68, par. 4-103)

Sec. 4-103.

Credit Cards.

It is a civil rights violation for a person
who offers credit cards to the public in this State:

(A) Denial. To refuse to issue a credit card, upon

proper application, on the basis of unlawful discrimination.

(B) Reasons for Rejection. To fail to inform an

applicant for a credit card, upon request, of the reason that his or her application for a credit card has been rejected.

(Source: P.A. 81-1216.)

775 ILCS 5/4-104

(775 ILCS 5/4-104) (from Ch. 68, par. 4-104)

Sec. 4-104. Exemptions.

Nothing contained in this Article shall
prohibit:

(A) Sound Underwriting Practices. A financial

institution from considering sound underwriting practices in contemplation of any loan to any person.  Such practices shall include:

(1) The willingness and the financial ability of

the borrower to repay the loan.

(2) The market value of any real estate or other

item of property proposed as security for any loan.

(3) Diversification of the financial

institution's investment portfolio.

(B) Credit-worthiness Information; Credit Systems. A

financial institution or a person who offers credit cards from:

(1) making an inquiry of the applicant's age,

permanent residence, immigration status, or any additional information if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Department;

(2) using any empirically derived credit system

which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Department, except that in the operation of such system the age of an applicant over the age of 62 years may not be assigned a negative factor or value.

(C) Special Credit Programs. A financial institution

from refusing to extend credit when required to by or pursuant to any:

(1) credit assistance program expressly

authorized by law for an economically disadvantaged class of persons;

(2) credit assistance program administered by a

nonprofit organization for its members of an economically disadvantaged class of persons;

(3) special purpose credit program offered by a

profit-making organization to meet special social needs which meets standards prescribed by the Department in its regulations.

(Source: P.A. 100-201, eff. 8-18-17.)

775 ILCS 5/Art. 5

(775 ILCS 5/Art. 5 heading) ARTICLE 5.

PUBLIC ACCOMMODATIONS

775 ILCS 5/5-101

(775 ILCS 5/5-101) (from Ch. 68, par. 5-101)

Sec. 5-101. Definitions.

The following definitions are applicable
strictly in the context of this Article:

(A) Place of Public Accommodation. "Place of public
accommodation" includes, but is not limited to:

(1) an inn, hotel, motel, or other place of lodging,

except for an establishment located within a building that contains not more than 5 units for rent or hire and that is actually occupied by the proprietor of such establishment as the residence of such proprietor;

(2) a restaurant, bar, or other establishment serving

food or drink;

(3) a motion picture house, theater, concert hall,

stadium, or other place of exhibition or entertainment;

(4) an auditorium, convention center, lecture hall,

or other place of public gathering;

(5) a bakery, grocery store, clothing store, hardware

store, shopping center, or other sales or rental establishment;

(6) a laundromat, dry-cleaner, bank, barber shop,

beauty shop, travel service, shoe repair service, funeral parlor, gas station, office of an accountant or lawyer, pharmacy, insurance office, professional office of a health care provider, hospital, or other service establishment;

(7) public conveyances on air, water, or land;

(8) a terminal, depot, or other station used for

specified public transportation;

(9) a museum, library, gallery, or other place of

public display or collection;

(10) a park, zoo, amusement park, or other place of

recreation;

(11) a non-sectarian nursery, day care center,

elementary, secondary, undergraduate, or postgraduate school, or other place of education;

(12) a senior citizen center, homeless shelter, food

bank, non-sectarian adoption agency, or other social service center establishment; and

(13) a gymnasium, health spa, bowling alley, golf

course, or other place of exercise or recreation.

(B) Operator. "Operator" means any owner, lessee, proprietor,
manager, superintendent, agent, or occupant of a place of public
accommodation or an employee of any such person or persons.

(C) Public Official. "Public official" means any officer or employee
of the state or any agency thereof, including state political subdivisions,
municipal corporations, park districts, forest preserve districts, educational
institutions, and schools.

(Source: P.A. 100-863, eff. 8-14-18.)