Illinois 2023-2024 Regular Session

Illinois House Bill HB2537 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB2537 Introduced , by Rep. Camille Y. Lilly SYNOPSIS AS INTRODUCED: See Index Amends the Illinois Banking Act, the Savings Bank Act, and the Illinois Credit Union Act to provide that if a subpoena, summons, warrant, or other request for a customer's records is presented to a bank or credit union by an agency or department of the federal government, or by an officer, agent, or employee of such federal agency or department, the bank or credit union is not required to release records until the bank or credit union has been furnished with a written certification that the requesting agency or department has satisfied its obligations under the Right to Financial Privacy Act of 1978. Makes other changes. Amends the Illinois Trust and Payable on Death Accounts Act. Provides that a holder of a payment on death account may elect a per stirpes distribution option to the descendants of a natural person beneficiary if the beneficiary predeceases the last surviving holder of the account. Provides that the financial institution may rely on the account holder's written representation of the identity of the descendants of each beneficiary living at the time of the beneficiary designation, and may also rely on an affidavit executed by a natural person beneficiary or descendant of a natural person beneficiary of the last surviving holder of the account upon or after the death of the account holder that identifies the descendants of any predeceased natural person beneficiary. Provides that 100% of the account must be distributed to all beneficiaries upon the death of the last surviving holder of the account. Makes other changes. Amends the Promissory Note and Bank Holiday Act. Provides that, if the bank is going to be closed for no more than a half day to permit personnel to attend a funeral, visitation, or other memorial service held for a deceased officer, employee, or director of the bank, or a family member of such person, the bank need only notify the Secretary and post conspicuously in the lobby of any affected office or branch of the bank notice of the hours during which the bank will be closed. Requires the notification to the Secretary and posting of notice in the lobby of the office or branch to be accomplished not less than 24 hours in advance of the day during which such closing will occur. LRB103 29631 BMS 56027 b A BILL FOR 103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB2537 Introduced , by Rep. Camille Y. Lilly SYNOPSIS AS INTRODUCED: See Index See Index Amends the Illinois Banking Act, the Savings Bank Act, and the Illinois Credit Union Act to provide that if a subpoena, summons, warrant, or other request for a customer's records is presented to a bank or credit union by an agency or department of the federal government, or by an officer, agent, or employee of such federal agency or department, the bank or credit union is not required to release records until the bank or credit union has been furnished with a written certification that the requesting agency or department has satisfied its obligations under the Right to Financial Privacy Act of 1978. Makes other changes. Amends the Illinois Trust and Payable on Death Accounts Act. Provides that a holder of a payment on death account may elect a per stirpes distribution option to the descendants of a natural person beneficiary if the beneficiary predeceases the last surviving holder of the account. Provides that the financial institution may rely on the account holder's written representation of the identity of the descendants of each beneficiary living at the time of the beneficiary designation, and may also rely on an affidavit executed by a natural person beneficiary or descendant of a natural person beneficiary of the last surviving holder of the account upon or after the death of the account holder that identifies the descendants of any predeceased natural person beneficiary. Provides that 100% of the account must be distributed to all beneficiaries upon the death of the last surviving holder of the account. Makes other changes. Amends the Promissory Note and Bank Holiday Act. Provides that, if the bank is going to be closed for no more than a half day to permit personnel to attend a funeral, visitation, or other memorial service held for a deceased officer, employee, or director of the bank, or a family member of such person, the bank need only notify the Secretary and post conspicuously in the lobby of any affected office or branch of the bank notice of the hours during which the bank will be closed. Requires the notification to the Secretary and posting of notice in the lobby of the office or branch to be accomplished not less than 24 hours in advance of the day during which such closing will occur. LRB103 29631 BMS 56027 b LRB103 29631 BMS 56027 b A BILL FOR
2	2	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB2537 Introduced , by Rep. Camille Y. Lilly SYNOPSIS AS INTRODUCED:
3	3	See Index See Index
4	4	See Index
5	5	Amends the Illinois Banking Act, the Savings Bank Act, and the Illinois Credit Union Act to provide that if a subpoena, summons, warrant, or other request for a customer's records is presented to a bank or credit union by an agency or department of the federal government, or by an officer, agent, or employee of such federal agency or department, the bank or credit union is not required to release records until the bank or credit union has been furnished with a written certification that the requesting agency or department has satisfied its obligations under the Right to Financial Privacy Act of 1978. Makes other changes. Amends the Illinois Trust and Payable on Death Accounts Act. Provides that a holder of a payment on death account may elect a per stirpes distribution option to the descendants of a natural person beneficiary if the beneficiary predeceases the last surviving holder of the account. Provides that the financial institution may rely on the account holder's written representation of the identity of the descendants of each beneficiary living at the time of the beneficiary designation, and may also rely on an affidavit executed by a natural person beneficiary or descendant of a natural person beneficiary of the last surviving holder of the account upon or after the death of the account holder that identifies the descendants of any predeceased natural person beneficiary. Provides that 100% of the account must be distributed to all beneficiaries upon the death of the last surviving holder of the account. Makes other changes. Amends the Promissory Note and Bank Holiday Act. Provides that, if the bank is going to be closed for no more than a half day to permit personnel to attend a funeral, visitation, or other memorial service held for a deceased officer, employee, or director of the bank, or a family member of such person, the bank need only notify the Secretary and post conspicuously in the lobby of any affected office or branch of the bank notice of the hours during which the bank will be closed. Requires the notification to the Secretary and posting of notice in the lobby of the office or branch to be accomplished not less than 24 hours in advance of the day during which such closing will occur.
6	6	LRB103 29631 BMS 56027 b LRB103 29631 BMS 56027 b
7	7	LRB103 29631 BMS 56027 b
8	8	A BILL FOR
9	9	HB2537LRB103 29631 BMS 56027 b HB2537 LRB103 29631 BMS 56027 b
10	10	HB2537 LRB103 29631 BMS 56027 b
11	11	1 AN ACT concerning regulation.
12	12	2 Be it enacted by the People of the State of Illinois,
13	13	3 represented in the General Assembly:
14	14	4 Section 5. The Illinois Banking Act is amended by changing
15	15	5 Sections 48.1 and 80 as follows:
16	16	6 (205 ILCS 5/48.1) (from Ch. 17, par. 360)
17	17	7 Sec. 48.1. Customer financial records; confidentiality.
18	18	8 (a) For the purpose of this Section, the term "financial
19	19	9 records" means any original, any copy, or any summary of:
20	20	10 (1) a document granting signature authority over a
21	21	11 deposit or account;
22	22	12 (2) a statement, ledger card or other record on any
23	23	13 deposit or account, which shows each transaction in or
24	24	14 with respect to that account;
25	25	15 (3) a check, draft or money order drawn on a bank or
26	26	16 issued and payable by a bank; or
27	27	17 (4) any other item containing information pertaining
28	28	18 to any relationship established in the ordinary course of
29	29	19 a bank's business between a bank and its customer,
30	30	20 including financial statements or other financial
31	31	21 information provided by the customer.
32	32	22 (b) This Section does not prohibit:
33	33	23 (1) The preparation, examination, handling or
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37	37	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB2537 Introduced , by Rep. Camille Y. Lilly SYNOPSIS AS INTRODUCED:
38	38	See Index See Index
39	39	See Index
40	40	Amends the Illinois Banking Act, the Savings Bank Act, and the Illinois Credit Union Act to provide that if a subpoena, summons, warrant, or other request for a customer's records is presented to a bank or credit union by an agency or department of the federal government, or by an officer, agent, or employee of such federal agency or department, the bank or credit union is not required to release records until the bank or credit union has been furnished with a written certification that the requesting agency or department has satisfied its obligations under the Right to Financial Privacy Act of 1978. Makes other changes. Amends the Illinois Trust and Payable on Death Accounts Act. Provides that a holder of a payment on death account may elect a per stirpes distribution option to the descendants of a natural person beneficiary if the beneficiary predeceases the last surviving holder of the account. Provides that the financial institution may rely on the account holder's written representation of the identity of the descendants of each beneficiary living at the time of the beneficiary designation, and may also rely on an affidavit executed by a natural person beneficiary or descendant of a natural person beneficiary of the last surviving holder of the account upon or after the death of the account holder that identifies the descendants of any predeceased natural person beneficiary. Provides that 100% of the account must be distributed to all beneficiaries upon the death of the last surviving holder of the account. Makes other changes. Amends the Promissory Note and Bank Holiday Act. Provides that, if the bank is going to be closed for no more than a half day to permit personnel to attend a funeral, visitation, or other memorial service held for a deceased officer, employee, or director of the bank, or a family member of such person, the bank need only notify the Secretary and post conspicuously in the lobby of any affected office or branch of the bank notice of the hours during which the bank will be closed. Requires the notification to the Secretary and posting of notice in the lobby of the office or branch to be accomplished not less than 24 hours in advance of the day during which such closing will occur.
41	41	LRB103 29631 BMS 56027 b LRB103 29631 BMS 56027 b
42	42	LRB103 29631 BMS 56027 b
43	43	A BILL FOR
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49	49	See Index
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68	68	1 maintenance of any financial records by any officer,
69	69	2 employee or agent of a bank having custody of the records,
70	70	3 or the examination of the records by a certified public
71	71	4 accountant engaged by the bank to perform an independent
72	72	5 audit.
73	73	6 (2) The examination of any financial records by, or
74	74	7 the furnishing of financial records by a bank to, any
75	75	8 officer, employee or agent of (i) the Commissioner of
76	76	9 Banks and Real Estate, (ii) after May 31, 1997, a state
77	77	10 regulatory authority authorized to examine a branch of a
78	78	11 State bank located in another state, (iii) the Comptroller
79	79	12 of the Currency, (iv) the Federal Reserve Board, or (v)
80	80	13 the Federal Deposit Insurance Corporation for use solely
81	81	14 in the exercise of his duties as an officer, employee, or
82	82	15 agent.
83	83	16 (3) The publication of data furnished from financial
84	84	17 records relating to customers where the data cannot be
85	85	18 identified to any particular customer or account.
86	86	19 (4) The making of reports or returns required under
87	87	20 Chapter 61 of the Internal Revenue Code of 1986.
88	88	21 (5) Furnishing information concerning the dishonor of
89	89	22 any negotiable instrument permitted to be disclosed under
90	90	23 the Uniform Commercial Code.
91	91	24 (6) The exchange in the regular course of business of
92	92	25 (i) credit information between a bank and other banks or
93	93	26 financial institutions or commercial enterprises, directly
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104	104	1 or through a consumer reporting agency or (ii) financial
105	105	2 records or information derived from financial records
106	106	3 between a bank and other banks or financial institutions
107	107	4 or commercial enterprises for the purpose of conducting
108	108	5 due diligence pursuant to a purchase or sale involving the
109	109	6 bank or assets or liabilities of the bank.
110	110	7 (7) The furnishing of information to the appropriate
111	111	8 law enforcement authorities where the bank reasonably
112	112	9 believes it has been the victim of a crime.
113	113	10 (8) The furnishing of information under the Revised
114	114	11 Uniform Unclaimed Property Act.
115	115	12 (9) The furnishing of information under the Illinois
116	116	13 Income Tax Act and the Illinois Estate and
117	117	14 Generation-Skipping Transfer Tax Act.
118	118	15 (10) The furnishing of information under the federal
119	119	16 Currency and Foreign Transactions Reporting Act Title 31,
120	120	17 United States Code, Section 1051 et seq.
121	121	18 (11) The furnishing of information under any other
122	122	19 statute that by its terms or by regulations promulgated
123	123	20 thereunder requires the disclosure of financial records
124	124	21 other than by subpoena, summons, warrant, or court order.
125	125	22 (12) The furnishing of information about the existence
126	126	23 of an account of a person to a judgment creditor of that
127	127	24 person who has made a written request for that
128	128	25 information.
129	129	26 (13) The exchange in the regular course of business of
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140	140	1 information between commonly owned banks in connection
141	141	2 with a transaction authorized under paragraph (23) of
142	142	3 Section 5 and conducted at an affiliate facility.
143	143	4 (14) The furnishing of information in accordance with
144	144	5 the federal Personal Responsibility and Work Opportunity
145	145	6 Reconciliation Act of 1996. Any bank governed by this Act
146	146	7 shall enter into an agreement for data exchanges with a
147	147	8 State agency provided the State agency pays to the bank a
148	148	9 reasonable fee not to exceed its actual cost incurred. A
149	149	10 bank providing information in accordance with this item
150	150	11 shall not be liable to any account holder or other person
151	151	12 for any disclosure of information to a State agency, for
152	152	13 encumbering or surrendering any assets held by the bank in
153	153	14 response to a lien or order to withhold and deliver issued
154	154	15 by a State agency, or for any other action taken pursuant
155	155	16 to this item, including individual or mechanical errors,
156	156	17 provided the action does not constitute gross negligence
157	157	18 or willful misconduct. A bank shall have no obligation to
158	158	19 hold, encumber, or surrender assets until it has been
159	159	20 served with a subpoena, summons, warrant, court or
160	160	21 administrative order, lien, or levy.
161	161	22 (15) The exchange in the regular course of business of
162	162	23 information between a bank and any commonly owned
163	163	24 affiliate of the bank, subject to the provisions of the
164	164	25 Financial Institutions Insurance Sales Law.
165	165	26 (16) The furnishing of information to law enforcement
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176	176	1 authorities, the Illinois Department on Aging and its
177	177	2 regional administrative and provider agencies, the
178	178	3 Department of Human Services Office of Inspector General,
179	179	4 or public guardians: (i) upon subpoena by the
180	180	5 investigatory entity or the guardian, or (ii) if there is
181	181	6 suspicion by the bank that a customer who is an elderly
182	182	7 person or person with a disability has been or may become
183	183	8 the victim of financial exploitation. For the purposes of
184	184	9 this item (16), the term: (i) "elderly person" means a
185	185	10 person who is 60 or more years of age, (ii) "disabled
186	186	11 person" means a person who has or reasonably appears to
187	187	12 the bank to have a physical or mental disability that
188	188	13 impairs his or her ability to seek or obtain protection
189	189	14 from or prevent financial exploitation, and (iii)
190	190	15 "financial exploitation" means tortious or illegal use of
191	191	16 the assets or resources of an elderly or disabled person,
192	192	17 and includes, without limitation, misappropriation of the
193	193	18 elderly or disabled person's assets or resources by undue
194	194	19 influence, breach of fiduciary relationship, intimidation,
195	195	20 fraud, deception, extortion, or the use of assets or
196	196	21 resources in any manner contrary to law. A bank or person
197	197	22 furnishing information pursuant to this item (16) shall be
198	198	23 entitled to the same rights and protections as a person
199	199	24 furnishing information under the Adult Protective Services
200	200	25 Act and the Illinois Domestic Violence Act of 1986.
201	201	26 (17) The disclosure of financial records or
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212	212	1 information as necessary to effect, administer, or enforce
213	213	2 a transaction requested or authorized by the customer, or
214	214	3 in connection with:
215	215	4 (A) servicing or processing a financial product or
216	216	5 service requested or authorized by the customer;
217	217	6 (B) maintaining or servicing a customer's account
218	218	7 with the bank; or
219	219	8 (C) a proposed or actual securitization or
220	220	9 secondary market sale (including sales of servicing
221	221	10 rights) related to a transaction of a customer.
222	222	11 Nothing in this item (17), however, authorizes the
223	223	12 sale of the financial records or information of a customer
224	224	13 without the consent of the customer.
225	225	14 (18) The disclosure of financial records or
226	226	15 information as necessary to protect against actual or
227	227	16 potential fraud, unauthorized transactions, claims, or
228	228	17 other liability.
229	229	18 (19)(A) The disclosure of financial records or
230	230	19 information related to a private label credit program
231	231	20 between a financial institution and a private label party
232	232	21 in connection with that private label credit program. Such
233	233	22 information is limited to outstanding balance, available
234	234	23 credit, payment and performance and account history,
235	235	24 product references, purchase information, and information
236	236	25 related to the identity of the customer.
237	237	26 (B)(1) For purposes of this paragraph (19) of
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248	248	1 subsection (b) of Section 48.1, a "private label credit
249	249	2 program" means a credit program involving a financial
250	250	3 institution and a private label party that is used by a
251	251	4 customer of the financial institution and the private
252	252	5 label party primarily for payment for goods or services
253	253	6 sold, manufactured, or distributed by a private label
254	254	7 party.
255	255	8 (2) For purposes of this paragraph (19) of subsection
256	256	9 (b) of Section 48.1, a "private label party" means, with
257	257	10 respect to a private label credit program, any of the
258	258	11 following: a retailer, a merchant, a manufacturer, a trade
259	259	12 group, or any such person's affiliate, subsidiary, member,
260	260	13 agent, or service provider.
261	261	14 (20)(A) The furnishing of financial records of a
262	262	15 customer to the Department to aid the Department's initial
263	263	16 determination or subsequent re-determination of the
264	264	17 customer's eligibility for Medicaid and Medicaid long-term
265	265	18 care benefits for long-term care services, provided that
266	266	19 the bank receives the written consent and authorization of
267	267	20 the customer, which shall:
268	268	21 (1) have the customer's signature notarized;
269	269	22 (2) be signed by at least one witness who
270	270	23 certifies that he or she believes the customer to be of
271	271	24 sound mind and memory;
272	272	25 (3) be tendered to the bank at the earliest
273	273	26 practicable time following its execution,
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284	284	1 certification, and notarization;
285	285	2 (4) specifically limit the disclosure of the
286	286	3 customer's financial records to the Department; and
287	287	4 (5) be in substantially the following form:
288	288	5 CUSTOMER CONSENT AND AUTHORIZATION
289	289	6 FOR RELEASE OF FINANCIAL RECORDS
290	290	7 I, ......................................., hereby authorize
291	291	8 (Name of Customer)
292	292	9 .............................................................
293	293	10 (Name of Financial Institution)
294	294	11 .............................................................
295	295	12 (Address of Financial Institution)
296	296	13 to disclose the following financial records:
297	297	14 any and all information concerning my deposit, savings, money
298	298	15 market, certificate of deposit, individual retirement,
299	299	16 retirement plan, 401(k) plan, incentive plan, employee benefit
300	300	17 plan, mutual fund and loan accounts (including, but not
301	301	18 limited to, any indebtedness or obligation for which I am a
302	302	19 co-borrower, co-obligor, guarantor, or surety), and any and
303	303	20 all other accounts in which I have an interest and any other
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314	314	1 information regarding me in the possession of the Financial
315	315	2 Institution,
316	316	3 to the Illinois Department of Human Services or the Illinois
317	317	4 Department of Healthcare and Family Services, or both ("the
318	318	5 Department"), for the following purpose(s):
319	319	6 to aid in the initial determination or re-determination by the
320	320	7 State of Illinois of my eligibility for Medicaid long-term
321	321	8 care benefits, pursuant to applicable law.
322	322	9 I understand that this Consent and Authorization may be
323	323	10 revoked by me in writing at any time before my financial
324	324	11 records, as described above, are disclosed, and that this
325	325	12 Consent and Authorization is valid until the Financial
326	326	13 Institution receives my written revocation. This Consent and
327	327	14 Authorization shall constitute valid authorization for the
328	328	15 Department identified above to inspect all such financial
329	329	16 records set forth above, and to request and receive copies of
330	330	17 such financial records from the Financial Institution (subject
331	331	18 to such records search and reproduction reimbursement policies
332	332	19 as the Financial Institution may have in place). An executed
333	333	20 copy of this Consent and Authorization shall be sufficient and
334	334	21 as good as the original and permission is hereby granted to
335	335	22 honor a photostatic or electronic copy of this Consent and
336	336	23 Authorization. Disclosure is strictly limited to the
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347	347	1 Department identified above and no other person or entity
348	348	2 shall receive my financial records pursuant to this Consent
349	349	3 and Authorization. By signing this form, I agree to indemnify
350	350	4 and hold the Financial Institution harmless from any and all
351	351	5 claims, demands, and losses, including reasonable attorneys
352	352	6 fees and expenses, arising from or incurred in its reliance on
353	353	7 this Consent and Authorization. As used herein, "Customer"
354	354	8 shall mean "Member" if the Financial Institution is a credit
355	355	9 union.
356	356	10 ....................... ......................
357	357	11 (Date) (Signature of Customer)
358	358	12 ......................
359	359	13 ......................
360	360	14 (Address of Customer)
361	361	15 ......................
362	362	16 (Customer's birth date)
363	363	17 (month/day/year)
364	364	18 The undersigned witness certifies that .................,
365	365	19 known to me to be the same person whose name is subscribed as
366	366	20 the customer to the foregoing Consent and Authorization,
367	367	21 appeared before me and the notary public and acknowledged
368	368	22 signing and delivering the instrument as his or her free and
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379	379	1 voluntary act for the uses and purposes therein set forth. I
380	380	2 believe him or her to be of sound mind and memory. The
381	381	3 undersigned witness also certifies that the witness is not an
382	382	4 owner, operator, or relative of an owner or operator of a
383	383	5 long-term care facility in which the customer is a patient or
384	384	6 resident.
385	385	7 Dated: ................. ......................
386	386	8 (Signature of Witness)
387	387	9 ......................
388	388	10 (Print Name of Witness)
389	389	11 ......................
390	390	12 ......................
391	391	13 (Address of Witness)
392	392	14 State of Illinois)
393	393	15 ) ss.
394	394	16 County of .......)
395	395	17 The undersigned, a notary public in and for the above county
396	396	18 and state, certifies that .........., known to me to be the
397	397	19 same person whose name is subscribed as the customer to the
398	398	20 foregoing Consent and Authorization, appeared before me
399	399	21 together with the witness, .........., in person and
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410	410	1 acknowledged signing and delivering the instrument as the free
411	411	2 and voluntary act of the customer for the uses and purposes
412	412	3 therein set forth.
413	413	4 Dated:.......................................................
414	414	5 Notary Public:...............................................
415	415	6 My commission expires:.......................................
416	416	7 (B) In no event shall the bank distribute the
417	417	8 customer's financial records to the long-term care
418	418	9 facility from which the customer seeks initial or
419	419	10 continuing residency or long-term care services.
420	420	11 (C) A bank providing financial records of a customer
421	421	12 in good faith relying on a consent and authorization
422	422	13 executed and tendered in accordance with this paragraph
423	423	14 (20) shall not be liable to the customer or any other
424	424	15 person in relation to the bank's disclosure of the
425	425	16 customer's financial records to the Department. The
426	426	17 customer signing the consent and authorization shall
427	427	18 indemnify and hold the bank harmless that relies in good
428	428	19 faith upon the consent and authorization and incurs a loss
429	429	20 because of such reliance. The bank recovering under this
430	430	21 indemnification provision shall also be entitled to
431	431	22 reasonable attorney's fees and the expenses of recovery.
432	432	23 (D) A bank shall be reimbursed by the customer for all
433	433	24 costs reasonably necessary and directly incurred in
434	434
435	435
436	436
437	437
438	438
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440	440
441	441
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444	444	1 searching for, reproducing, and disclosing a customer's
445	445	2 financial records required or requested to be produced
446	446	3 pursuant to any consent and authorization executed under
447	447	4 this paragraph (20). The requested financial records shall
448	448	5 be delivered to the Department within 10 days after
449	449	6 receiving a properly executed consent and authorization or
450	450	7 at the earliest practicable time thereafter if the
451	451	8 requested records cannot be delivered within 10 days, but
452	452	9 delivery may be delayed until the final reimbursement of
453	453	10 all costs is received by the bank. The bank may honor a
454	454	11 photostatic or electronic copy of a properly executed
455	455	12 consent and authorization.
456	456	13 (E) Nothing in this paragraph (20) shall impair,
457	457	14 abridge, or abrogate the right of a customer to:
458	458	15 (1) directly disclose his or her financial records
459	459	16 to the Department or any other person; or
460	460	17 (2) authorize his or her attorney or duly
461	461	18 appointed agent to request and obtain the customer's
462	462	19 financial records and disclose those financial records
463	463	20 to the Department.
464	464	21 (F) For purposes of this paragraph (20), "Department"
465	465	22 means the Department of Human Services and the Department
466	466	23 of Healthcare and Family Services or any successor
467	467	24 administrative agency of either agency.
468	468	25 (c) Except as otherwise provided by this Act, a bank may
469	469	26 not disclose to any person, except to the customer or his duly
470	470
471	471
472	472
473	473
474	474
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476	476
477	477
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480	480	1 authorized agent, any financial records or financial
481	481	2 information obtained from financial records relating to that
482	482	3 customer of that bank unless:
483	483	4 (1) the customer has authorized disclosure to the
484	484	5 person;
485	485	6 (2) the financial records are disclosed in response to
486	486	7 a lawful subpoena, summons, warrant, citation to discover
487	487	8 assets, or court order which meets the requirements of
488	488	9 subsection (d) of this Section; or
489	489	10 (3) the bank is attempting to collect an obligation
490	490	11 owed to the bank and the bank complies with the provisions
491	491	12 of Section 2I of the Consumer Fraud and Deceptive Business
492	492	13 Practices Act.
493	493	14 (d) A bank shall disclose financial records under
494	494	15 paragraph (2) of subsection (c) of this Section under a lawful
495	495	16 subpoena, summons, warrant, citation to discover assets, or
496	496	17 court order only after the bank sends a copy of the subpoena,
497	497	18 summons, warrant, citation to discover assets, or court order
498	498	19 to the person establishing the relationship with the bank, if
499	499	20 living, and, otherwise the person's personal representative,
500	500	21 if known, at the person's last known address by first class
501	501	22 mail, postage prepaid, through a third-party commercial
502	502	23 carrier or courier with delivery charge fully prepaid, by hand
503	503	24 delivery, or by electronic delivery at an email address on
504	504	25 file with the bank (if the person establishing the
505	505	26 relationship with the bank has consented to receive electronic
506	506
507	507
508	508
509	509
510	510
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512	512
513	513
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516	516	1 delivery and, if the person establishing the relationship with
517	517	2 the bank is a consumer, the person has consented under the
518	518	3 consumer consent provisions set forth in Section 7001 of Title
519	519	4 15 of the United States Code), unless the bank is specifically
520	520	5 prohibited from notifying the person by order of court or by
521	521	6 applicable State or federal law. A bank shall not mail a copy
522	522	7 of a subpoena to any person pursuant to this subsection if the
523	523	8 subpoena was issued by a grand jury under the Statewide Grand
524	524	9 Jury Act.
525	525	10 (d-1) If a subpoena, summons, warrant, or other request
526	526	11 for a customer's records is presented to the bank by an agency
527	527	12 or department of the federal government, or by an officer,
528	528	13 agent, or employee of such federal agency or department, a
529	529	14 bank is not required to release records until the bank has been
530	530	15 furnished with a written certification that the requesting
531	531	16 agency or department has satisfied its obligations under the
532	532	17 federal Right to Financial Privacy Act of 1978.
533	533	18 (e) Any officer or employee of a bank who knowingly and
534	534	19 willfully furnishes financial records in violation of this
535	535	20 Section is guilty of a business offense and, upon conviction,
536	536	21 shall be fined not more than $1,000.
537	537	22 (f) Any person who knowingly and willfully induces or
538	538	23 attempts to induce any officer or employee of a bank to
539	539	24 disclose financial records in violation of this Section is
540	540	25 guilty of a business offense and, upon conviction, shall be
541	541	26 fined not more than $1,000.
542	542
543	543
544	544
545	545
546	546
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549	549
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552	552	1 (g) A bank shall be reimbursed for costs that are
553	553	2 reasonably necessary and that have been directly incurred in
554	554	3 searching for, reproducing, or transporting books, papers,
555	555	4 records, or other data required or requested to be produced
556	556	5 pursuant to a lawful subpoena, summons, warrant, citation to
557	557	6 discover assets, or court order. The Commissioner shall
558	558	7 determine the rates and conditions under which payment may be
559	559	8 made.
560	560	9 (Source: P.A. 101-81, eff. 7-12-19; 102-873, eff. 5-13-22.)
561	561	10 (205 ILCS 5/80) (from Ch. 17, par. 392)
562	562	11 Sec. 80. Board; powers. The Board shall have the following
563	563	12 powers in addition to any others that may be granted to it by
564	564	13 law:
565	565	14 (a) (Blank).
566	566	15 (b) To review, consider, and make recommendations to the
567	567	16 Director of Banking upon any banking matters.
568	568	17 (c) (Blank).
569	569	18 (d) (Blank).
570	570	19 (e) To review, consider, and submit to the Director of
571	571	20 Banking and to the Governor proposals for amendments to this
572	572	21 Act or for changes in or additions to the administration
573	573	22 thereof which in the opinion of the Board are necessary or
574	574	23 desirable in order to assure the safe and sound conduct of the
575	575	24 banking business.
576	576	25 (f) To require the Secretary to furnish the Board space
577	577
578	578
579	579
580	580
581	581
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583	583
584	584
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587	587	1 for meetings to be held by the Board as well as to require the
588	588	2 Secretary to provide such clerical and technical assistance as
589	589	3 the Board may require.
590	590	4 (g) To adopt its own by-laws with respect to Board
591	591	5 meetings and procedures. Such by-laws shall provide that:
592	592	6 (i) A majority of the whole Board constitutes a
593	593	7 quorum.
594	594	8 (ii) A majority of the quorum shall constitute
595	595	9 effective action except that a vote of a majority of the
596	596	10 whole Board shall be necessary for recommendations made to
597	597	11 the Director of Banking and to the Governor with regard to
598	598	12 proposed amendments to this Act or to the administrative
599	599	13 practices hereunder.
600	600	14 (iii) The Board shall meet at least once in each
601	601	15 calendar year and upon the call of the Director of Banking
602	602	16 or a majority of the Board. The Director of Banking or a
603	603	17 majority of the Board may call such special or additional
604	604	18 meetings as may be deemed necessary or desirable.
605	605	19 (h) (Blank).
606	606	20 (i) (Blank).
607	607	21 (j) (Blank).
608	608	22 (k) (Blank).
609	609	23 (l) (Blank).
610	610	24 (m) To authorize the transfer of funds from the Illinois
611	611	25 Bank Examiners' Education Fund to the Bank and Trust Company
612	612	26 Fund. Any amount transferred shall be retransferred to the
613	613
614	614
615	615
616	616
617	617
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619	619
620	620
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623	623	1 Illinois Bank Examiners' Education Fund from the Bank and
624	624	2 Trust Company Fund within 3 years.
625	625	3 (n) To maintain and direct the investments of the Illinois
626	626	4 Bank Examiners' Education Fund.
627	627	5 (o) To evaluate various courses, programs, curricula, and
628	628	6 schools of continuing education and professional training that
629	629	7 are available from within the United States for State banking
630	630	8 department examination personnel and develop a program known
631	631	9 as the Illinois Bank Examiners' Education Program. The Board
632	632	10 shall determine which courses, programs, curricula, and
633	633	11 schools will be included in the Program to be funded by the
634	634	12 Foundation.
635	635	13 (p) To review and examine bank call report fee revenue and
636	636	14 the disbursement of the fees.
637	637	15 (Source: P.A. 96-1163, eff. 1-1-11.)
638	638	16 Section 10. The Savings Bank Act is amended by changing
639	639	17 Section 4013 as follows:
640	640	18 (205 ILCS 205/4013) (from Ch. 17, par. 7304-13)
641	641	19 Sec. 4013. Access to books and records; communication with
642	642	20 members and shareholders.
643	643	21 (a) Every member or shareholder shall have the right to
644	644	22 inspect books and records of the savings bank that pertain to
645	645	23 his accounts. Otherwise, the right of inspection and
646	646	24 examination of the books and records shall be limited as
647	647
648	648
649	649
650	650
651	651
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653	653
654	654
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657	657	1 provided in this Act, and no other person shall have access to
658	658	2 the books and records nor shall be entitled to a list of the
659	659	3 members or shareholders.
660	660	4 (b) For the purpose of this Section, the term "financial
661	661	5 records" means any original, any copy, or any summary of (1) a
662	662	6 document granting signature authority over a deposit or
663	663	7 account; (2) a statement, ledger card, or other record on any
664	664	8 deposit or account that shows each transaction in or with
665	665	9 respect to that account; (3) a check, draft, or money order
666	666	10 drawn on a savings bank or issued and payable by a savings
667	667	11 bank; or (4) any other item containing information pertaining
668	668	12 to any relationship established in the ordinary course of a
669	669	13 savings bank's business between a savings bank and its
670	670	14 customer, including financial statements or other financial
671	671	15 information provided by the member or shareholder.
672	672	16 (c) This Section does not prohibit:
673	673	17 (1) The preparation, examination, handling, or
674	674	18 maintenance of any financial records by any officer,
675	675	19 employee, or agent of a savings bank having custody of
676	676	20 records or examination of records by a certified public
677	677	21 accountant engaged by the savings bank to perform an
678	678	22 independent audit.
679	679	23 (2) The examination of any financial records by, or
680	680	24 the furnishing of financial records by a savings bank to,
681	681	25 any officer, employee, or agent of the Commissioner of
682	682	26 Banks and Real Estate or the federal depository
683	683
684	684
685	685
686	686
687	687
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689	689
690	690
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693	693	1 institution regulator for use solely in the exercise of
694	694	2 his duties as an officer, employee, or agent.
695	695	3 (3) The publication of data furnished from financial
696	696	4 records relating to members or holders of capital where
697	697	5 the data cannot be identified to any particular member,
698	698	6 shareholder, or account.
699	699	7 (4) The making of reports or returns required under
700	700	8 Chapter 61 of the Internal Revenue Code of 1986.
701	701	9 (5) Furnishing information concerning the dishonor of
702	702	10 any negotiable instrument permitted to be disclosed under
703	703	11 the Uniform Commercial Code.
704	704	12 (6) The exchange in the regular course of business of
705	705	13 (i) credit information between a savings bank and other
706	706	14 savings banks or financial institutions or commercial
707	707	15 enterprises, directly or through a consumer reporting
708	708	16 agency or (ii) financial records or information derived
709	709	17 from financial records between a savings bank and other
710	710	18 savings banks or financial institutions or commercial
711	711	19 enterprises for the purpose of conducting due diligence
712	712	20 pursuant to a purchase or sale involving the savings bank
713	713	21 or assets or liabilities of the savings bank.
714	714	22 (7) The furnishing of information to the appropriate
715	715	23 law enforcement authorities where the savings bank
716	716	24 reasonably believes it has been the victim of a crime.
717	717	25 (8) The furnishing of information pursuant to the
718	718	26 Revised Uniform Unclaimed Property Act.
719	719
720	720
721	721
722	722
723	723
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725	725
726	726
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729	729	1 (9) The furnishing of information pursuant to the
730	730	2 Illinois Income Tax Act and the Illinois Estate and
731	731	3 Generation-Skipping Transfer Tax Act.
732	732	4 (10) The furnishing of information pursuant to the
733	733	5 federal Currency and Foreign Transactions Reporting Act,
734	734	6 (Title 31, United States Code, Section 1051 et seq.).
735	735	7 (11) The furnishing of information pursuant to any
736	736	8 other statute which by its terms or by regulations
737	737	9 promulgated thereunder requires the disclosure of
738	738	10 financial records other than by subpoena, summons,
739	739	11 warrant, or court order.
740	740	12 (12) The furnishing of information in accordance with
741	741	13 the federal Personal Responsibility and Work Opportunity
742	742	14 Reconciliation Act of 1996. Any savings bank governed by
743	743	15 this Act shall enter into an agreement for data exchanges
744	744	16 with a State agency provided the State agency pays to the
745	745	17 savings bank a reasonable fee not to exceed its actual
746	746	18 cost incurred. A savings bank providing information in
747	747	19 accordance with this item shall not be liable to any
748	748	20 account holder or other person for any disclosure of
749	749	21 information to a State agency, for encumbering or
750	750	22 surrendering any assets held by the savings bank in
751	751	23 response to a lien or order to withhold and deliver issued
752	752	24 by a State agency, or for any other action taken pursuant
753	753	25 to this item, including individual or mechanical errors,
754	754	26 provided the action does not constitute gross negligence
755	755
756	756
757	757
758	758
759	759
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761	761
762	762
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765	765	1 or willful misconduct. A savings bank shall have no
766	766	2 obligation to hold, encumber, or surrender assets until it
767	767	3 has been served with a subpoena, summons, warrant, court
768	768	4 or administrative order, lien, or levy.
769	769	5 (13) The furnishing of information to law enforcement
770	770	6 authorities, the Illinois Department on Aging and its
771	771	7 regional administrative and provider agencies, the
772	772	8 Department of Human Services Office of Inspector General,
773	773	9 or public guardians: (i) upon subpoena by the
774	774	10 investigatory entity or the guardian, or (ii) if there is
775	775	11 suspicion by the savings bank that a customer who is an
776	776	12 elderly person or person with a disability has been or may
777	777	13 become the victim of financial exploitation. For the
778	778	14 purposes of this item (13), the term: (i) "elderly person"
779	779	15 means a person who is 60 or more years of age, (ii) "person
780	780	16 with a disability" means a person who has or reasonably
781	781	17 appears to the savings bank to have a physical or mental
782	782	18 disability that impairs his or her ability to seek or
783	783	19 obtain protection from or prevent financial exploitation,
784	784	20 and (iii) "financial exploitation" means tortious or
785	785	21 illegal use of the assets or resources of an elderly
786	786	22 person or person with a disability, and includes, without
787	787	23 limitation, misappropriation of the assets or resources of
788	788	24 the elderly person or person with a disability by undue
789	789	25 influence, breach of fiduciary relationship, intimidation,
790	790	26 fraud, deception, extortion, or the use of assets or
791	791
792	792
793	793
794	794
795	795
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797	797
798	798
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801	801	1 resources in any manner contrary to law. A savings bank or
802	802	2 person furnishing information pursuant to this item (13)
803	803	3 shall be entitled to the same rights and protections as a
804	804	4 person furnishing information under the Adult Protective
805	805	5 Services Act and the Illinois Domestic Violence Act of
806	806	6 1986.
807	807	7 (14) The disclosure of financial records or
808	808	8 information as necessary to effect, administer, or enforce
809	809	9 a transaction requested or authorized by the member or
810	810	10 holder of capital, or in connection with:
811	811	11 (A) servicing or processing a financial product or
812	812	12 service requested or authorized by the member or
813	813	13 holder of capital;
814	814	14 (B) maintaining or servicing an account of a
815	815	15 member or holder of capital with the savings bank; or
816	816	16 (C) a proposed or actual securitization or
817	817	17 secondary market sale (including sales of servicing
818	818	18 rights) related to a transaction of a member or holder
819	819	19 of capital.
820	820	20 Nothing in this item (14), however, authorizes the
821	821	21 sale of the financial records or information of a member
822	822	22 or holder of capital without the consent of the member or
823	823	23 holder of capital.
824	824	24 (15) The exchange in the regular course of business of
825	825	25 information between a savings bank and any commonly owned
826	826	26 affiliate of the savings bank, subject to the provisions
827	827
828	828
829	829
830	830
831	831
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833	833
834	834
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836	836	HB2537 - 24 - LRB103 29631 BMS 56027 b
837	837	1 of the Financial Institutions Insurance Sales Law.
838	838	2 (16) The disclosure of financial records or
839	839	3 information as necessary to protect against or prevent
840	840	4 actual or potential fraud, unauthorized transactions,
841	841	5 claims, or other liability.
842	842	6 (17)(a) The disclosure of financial records or
843	843	7 information related to a private label credit program
844	844	8 between a financial institution and a private label party
845	845	9 in connection with that private label credit program. Such
846	846	10 information is limited to outstanding balance, available
847	847	11 credit, payment and performance and account history,
848	848	12 product references, purchase information, and information
849	849	13 related to the identity of the customer.
850	850	14 (b)(1) For purposes of this paragraph (17) of
851	851	15 subsection (c) of Section 4013, a "private label credit
852	852	16 program" means a credit program involving a financial
853	853	17 institution and a private label party that is used by a
854	854	18 customer of the financial institution and the private
855	855	19 label party primarily for payment for goods or services
856	856	20 sold, manufactured, or distributed by a private label
857	857	21 party.
858	858	22 (2) For purposes of this paragraph (17) of subsection
859	859	23 (c) of Section 4013, a "private label party" means, with
860	860	24 respect to a private label credit program, any of the
861	861	25 following: a retailer, a merchant, a manufacturer, a trade
862	862	26 group, or any such person's affiliate, subsidiary, member,
863	863
864	864
865	865
866	866
867	867
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869	869
870	870
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873	873	1 agent, or service provider.
874	874	2 (18)(a) The furnishing of financial records of a
875	875	3 customer to the Department to aid the Department's initial
876	876	4 determination or subsequent re-determination of the
877	877	5 customer's eligibility for Medicaid and Medicaid long-term
878	878	6 care benefits for long-term care services, provided that
879	879	7 the savings bank receives the written consent and
880	880	8 authorization of the customer, which shall:
881	881	9 (1) have the customer's signature notarized;
882	882	10 (2) be signed by at least one witness who
883	883	11 certifies that he or she believes the customer to be of
884	884	12 sound mind and memory;
885	885	13 (3) be tendered to the savings bank at the
886	886	14 earliest practicable time following its execution,
887	887	15 certification, and notarization;
888	888	16 (4) specifically limit the disclosure of the
889	889	17 customer's financial records to the Department; and
890	890	18 (5) be in substantially the following form:
891	891	19 CUSTOMER CONSENT AND AUTHORIZATION
892	892	20 FOR RELEASE OF FINANCIAL RECORDS
893	893	21 I, ......................................., hereby authorize
894	894	22 (Name of Customer)
895	895	23 .............................................................
896	896
897	897
898	898
899	899
900	900
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902	902
903	903
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906	906	1 (Name of Financial Institution)
907	907	2 .............................................................
908	908	3 (Address of Financial Institution)
909	909	4 to disclose the following financial records:
910	910	5 any and all information concerning my deposit, savings, money
911	911	6 market, certificate of deposit, individual retirement,
912	912	7 retirement plan, 401(k) plan, incentive plan, employee benefit
913	913	8 plan, mutual fund and loan accounts (including, but not
914	914	9 limited to, any indebtedness or obligation for which I am a
915	915	10 co-borrower, co-obligor, guarantor, or surety), and any and
916	916	11 all other accounts in which I have an interest and any other
917	917	12 information regarding me in the possession of the Financial
918	918	13 Institution,
919	919	14 to the Illinois Department of Human Services or the Illinois
920	920	15 Department of Healthcare and Family Services, or both ("the
921	921	16 Department"), for the following purpose(s):
922	922	17 to aid in the initial determination or re-determination by the
923	923	18 State of Illinois of my eligibility for Medicaid long-term
924	924	19 care benefits, pursuant to applicable law.
925	925	20 I understand that this Consent and Authorization may be
926	926
927	927
928	928
929	929
930	930
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932	932
933	933
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935	935	HB2537 - 27 - LRB103 29631 BMS 56027 b
936	936	1 revoked by me in writing at any time before my financial
937	937	2 records, as described above, are disclosed, and that this
938	938	3 Consent and Authorization is valid until the Financial
939	939	4 Institution receives my written revocation. This Consent and
940	940	5 Authorization shall constitute valid authorization for the
941	941	6 Department identified above to inspect all such financial
942	942	7 records set forth above, and to request and receive copies of
943	943	8 such financial records from the Financial Institution (subject
944	944	9 to such records search and reproduction reimbursement policies
945	945	10 as the Financial Institution may have in place). An executed
946	946	11 copy of this Consent and Authorization shall be sufficient and
947	947	12 as good as the original and permission is hereby granted to
948	948	13 honor a photostatic or electronic copy of this Consent and
949	949	14 Authorization. Disclosure is strictly limited to the
950	950	15 Department identified above and no other person or entity
951	951	16 shall receive my financial records pursuant to this Consent
952	952	17 and Authorization. By signing this form, I agree to indemnify
953	953	18 and hold the Financial Institution harmless from any and all
954	954	19 claims, demands, and losses, including reasonable attorneys
955	955	20 fees and expenses, arising from or incurred in its reliance on
956	956	21 this Consent and Authorization. As used herein, "Customer"
957	957	22 shall mean "Member" if the Financial Institution is a credit
958	958	23 union.
959	959	24 ....................... ......................
960	960	25 (Date) (Signature of Customer)
961	961
962	962
963	963
964	964
965	965
966	966	HB2537 - 27 - LRB103 29631 BMS 56027 b
967	967
968	968
969	969	HB2537- 28 -LRB103 29631 BMS 56027 b HB2537 - 28 - LRB103 29631 BMS 56027 b
970	970	HB2537 - 28 - LRB103 29631 BMS 56027 b
971	971	1 ......................
972	972	2 ......................
973	973	3 (Address of Customer)
974	974	4 ......................
975	975	5 (Customer's birth date)
976	976	6 (month/day/year)
977	977	7 The undersigned witness certifies that .................,
978	978	8 known to me to be the same person whose name is subscribed as
979	979	9 the customer to the foregoing Consent and Authorization,
980	980	10 appeared before me and the notary public and acknowledged
981	981	11 signing and delivering the instrument as his or her free and
982	982	12 voluntary act for the uses and purposes therein set forth. I
983	983	13 believe him or her to be of sound mind and memory. The
984	984	14 undersigned witness also certifies that the witness is not an
985	985	15 owner, operator, or relative of an owner or operator of a
986	986	16 long-term care facility in which the customer is a patient or
987	987	17 resident.
988	988	18 Dated: ................. ......................
989	989	19 (Signature of Witness)
990	990	20 ......................
991	991	21 (Print Name of Witness)
992	992
993	993
994	994
995	995
996	996
997	997	HB2537 - 28 - LRB103 29631 BMS 56027 b
998	998
999	999
1000	1000	HB2537- 29 -LRB103 29631 BMS 56027 b HB2537 - 29 - LRB103 29631 BMS 56027 b
1001	1001	HB2537 - 29 - LRB103 29631 BMS 56027 b
1002	1002	1 ......................
1003	1003	2 ......................
1004	1004	3 (Address of Witness)
1005	1005	4 State of Illinois)
1006	1006	5 ) ss.
1007	1007	6 County of .......)
1008	1008	7 The undersigned, a notary public in and for the above county
1009	1009	8 and state, certifies that .........., known to me to be the
1010	1010	9 same person whose name is subscribed as the customer to the
1011	1011	10 foregoing Consent and Authorization, appeared before me
1012	1012	11 together with the witness, .........., in person and
1013	1013	12 acknowledged signing and delivering the instrument as the free
1014	1014	13 and voluntary act of the customer for the uses and purposes
1015	1015	14 therein set forth.
1016	1016	15 Dated:.......................................................
1017	1017	16 Notary Public:...............................................
1018	1018	17 My commission expires:.......................................
1019	1019	18 (b) In no event shall the savings bank distribute the
1020	1020	19 customer's financial records to the long-term care
1021	1021	20 facility from which the customer seeks initial or
1022	1022	21 continuing residency or long-term care services.
1023	1023
1024	1024
1025	1025
1026	1026
1027	1027
1028	1028	HB2537 - 29 - LRB103 29631 BMS 56027 b
1029	1029
1030	1030
1031	1031	HB2537- 30 -LRB103 29631 BMS 56027 b HB2537 - 30 - LRB103 29631 BMS 56027 b
1032	1032	HB2537 - 30 - LRB103 29631 BMS 56027 b
1033	1033	1 (c) A savings bank providing financial records of a
1034	1034	2 customer in good faith relying on a consent and
1035	1035	3 authorization executed and tendered in accordance with
1036	1036	4 this paragraph (18) shall not be liable to the customer or
1037	1037	5 any other person in relation to the savings bank's
1038	1038	6 disclosure of the customer's financial records to the
1039	1039	7 Department. The customer signing the consent and
1040	1040	8 authorization shall indemnify and hold the savings bank
1041	1041	9 harmless that relies in good faith upon the consent and
1042	1042	10 authorization and incurs a loss because of such reliance.
1043	1043	11 The savings bank recovering under this indemnification
1044	1044	12 provision shall also be entitled to reasonable attorney's
1045	1045	13 fees and the expenses of recovery.
1046	1046	14 (d) A savings bank shall be reimbursed by the customer
1047	1047	15 for all costs reasonably necessary and directly incurred
1048	1048	16 in searching for, reproducing, and disclosing a customer's
1049	1049	17 financial records required or requested to be produced
1050	1050	18 pursuant to any consent and authorization executed under
1051	1051	19 this paragraph (18). The requested financial records shall
1052	1052	20 be delivered to the Department within 10 days after
1053	1053	21 receiving a properly executed consent and authorization or
1054	1054	22 at the earliest practicable time thereafter if the
1055	1055	23 requested records cannot be delivered within 10 days, but
1056	1056	24 delivery may be delayed until the final reimbursement of
1057	1057	25 all costs is received by the savings bank. The savings
1058	1058	26 bank may honor a photostatic or electronic copy of a
1059	1059
1060	1060
1061	1061
1062	1062
1063	1063
1064	1064	HB2537 - 30 - LRB103 29631 BMS 56027 b
1065	1065
1066	1066
1067	1067	HB2537- 31 -LRB103 29631 BMS 56027 b HB2537 - 31 - LRB103 29631 BMS 56027 b
1068	1068	HB2537 - 31 - LRB103 29631 BMS 56027 b
1069	1069	1 properly executed consent and authorization.
1070	1070	2 (e) Nothing in this paragraph (18) shall impair,
1071	1071	3 abridge, or abrogate the right of a customer to:
1072	1072	4 (1) directly disclose his or her financial records
1073	1073	5 to the Department or any other person; or
1074	1074	6 (2) authorize his or her attorney or duly
1075	1075	7 appointed agent to request and obtain the customer's
1076	1076	8 financial records and disclose those financial records
1077	1077	9 to the Department.
1078	1078	10 (f) For purposes of this paragraph (18), "Department"
1079	1079	11 means the Department of Human Services and the Department
1080	1080	12 of Healthcare and Family Services or any successor
1081	1081	13 administrative agency of either agency.
1082	1082	14 (d) A savings bank may not disclose to any person, except
1083	1083	15 to the member or holder of capital or his duly authorized
1084	1084	16 agent, any financial records relating to that member or
1085	1085	17 shareholder of the savings bank unless:
1086	1086	18 (1) the member or shareholder has authorized
1087	1087	19 disclosure to the person; or
1088	1088	20 (2) the financial records are disclosed in response to
1089	1089	21 a lawful subpoena, summons, warrant, citation to discover
1090	1090	22 assets, or court order that meets the requirements of
1091	1091	23 subsection (e) of this Section.
1092	1092	24 (e) A savings bank shall disclose financial records under
1093	1093	25 subsection (d) of this Section pursuant to a lawful subpoena,
1094	1094	26 summons, warrant, citation to discover assets, or court order
1095	1095
1096	1096
1097	1097
1098	1098
1099	1099
1100	1100	HB2537 - 31 - LRB103 29631 BMS 56027 b
1101	1101
1102	1102
1103	1103	HB2537- 32 -LRB103 29631 BMS 56027 b HB2537 - 32 - LRB103 29631 BMS 56027 b
1104	1104	HB2537 - 32 - LRB103 29631 BMS 56027 b
1105	1105	1 only after the savings bank sends a copy of the subpoena,
1106	1106	2 summons, warrant, citation to discover assets, or court order
1107	1107	3 to the person establishing the relationship with the savings
1108	1108	4 bank, if living, and otherwise, the person's personal
1109	1109	5 representative, if known, at the person's last known address
1110	1110	6 by first class mail, postage prepaid, through a third-party
1111	1111	7 commercial carrier or courier with delivery charge fully
1112	1112	8 prepaid, by hand delivery, or by electronic delivery at an
1113	1113	9 email address on file with the savings bank (if the person
1114	1114	10 establishing the relationship with the savings bank has
1115	1115	11 consented to receive electronic delivery and, if the person
1116	1116	12 establishing the relationship with the savings bank is a
1117	1117	13 consumer, the person has consented under the consumer consent
1118	1118	14 provisions set forth in Section 7001 of Title 15 of the United
1119	1119	15 States Code), unless the savings bank is specifically
1120	1120	16 prohibited from notifying the person by order of court.
1121	1121	17 (e-1) If a subpoena, summons, warrant, or other request
1122	1122	18 for a customer's records is presented to the savings bank by an
1123	1123	19 agency or department of the federal government, or by an
1124	1124	20 officer, agent, or employee of such federal agency or
1125	1125	21 department, a savings bank is not required to release records
1126	1126	22 until the savings bank has been furnished with a written
1127	1127	23 certification that the requesting agency or department has
1128	1128	24 satisfied its obligations under the federal Right to Financial
1129	1129	25 Privacy Act of 1978.
1130	1130	26 (f) Any officer or employee of a savings bank who
1131	1131
1132	1132
1133	1133
1134	1134
1135	1135
1136	1136	HB2537 - 32 - LRB103 29631 BMS 56027 b
1137	1137
1138	1138
1139	1139	HB2537- 33 -LRB103 29631 BMS 56027 b HB2537 - 33 - LRB103 29631 BMS 56027 b
1140	1140	HB2537 - 33 - LRB103 29631 BMS 56027 b
1141	1141	1 knowingly and willfully furnishes financial records in
1142	1142	2 violation of this Section is guilty of a business offense and,
1143	1143	3 upon conviction, shall be fined not more than $1,000.
1144	1144	4 (g) Any person who knowingly and willfully induces or
1145	1145	5 attempts to induce any officer or employee of a savings bank to
1146	1146	6 disclose financial records in violation of this Section is
1147	1147	7 guilty of a business offense and, upon conviction, shall be
1148	1148	8 fined not more than $1,000.
1149	1149	9 (h) If any member or shareholder desires to communicate
1150	1150	10 with the other members or shareholders of the savings bank
1151	1151	11 with reference to any question pending or to be presented at an
1152	1152	12 annual or special meeting, the savings bank shall give that
1153	1153	13 person, upon request, a statement of the approximate number of
1154	1154	14 members or shareholders entitled to vote at the meeting and an
1155	1155	15 estimate of the cost of preparing and mailing the
1156	1156	16 communication. The requesting member shall submit the
1157	1157	17 communication to the Commissioner who, upon finding it to be
1158	1158	18 appropriate and truthful, shall direct that it be prepared and
1159	1159	19 mailed to the members upon the requesting member's or
1160	1160	20 shareholder's payment or adequate provision for payment of the
1161	1161	21 expenses of preparation and mailing.
1162	1162	22 (i) A savings bank shall be reimbursed for costs that are
1163	1163	23 necessary and that have been directly incurred in searching
1164	1164	24 for, reproducing, or transporting books, papers, records, or
1165	1165	25 other data of a customer required to be reproduced pursuant to
1166	1166	26 a lawful subpoena, warrant, citation to discover assets, or
1167	1167
1168	1168
1169	1169
1170	1170
1171	1171
1172	1172	HB2537 - 33 - LRB103 29631 BMS 56027 b
1173	1173
1174	1174
1175	1175	HB2537- 34 -LRB103 29631 BMS 56027 b HB2537 - 34 - LRB103 29631 BMS 56027 b
1176	1176	HB2537 - 34 - LRB103 29631 BMS 56027 b
1177	1177	1 court order.
1178	1178	2 (j) Notwithstanding the provisions of this Section, a
1179	1179	3 savings bank may sell or otherwise make use of lists of
1180	1180	4 customers' names and addresses. All other information
1181	1181	5 regarding a customer's account is subject to the disclosure
1182	1182	6 provisions of this Section. At the request of any customer,
1183	1183	7 that customer's name and address shall be deleted from any
1184	1184	8 list that is to be sold or used in any other manner beyond
1185	1185	9 identification of the customer's accounts.
1186	1186	10 (Source: P.A. 102-873, eff. 5-13-22.)
1187	1187	11 Section 15. The Illinois Credit Union Act is amended by
1188	1188	12 changing Section 10 as follows:
1189	1189	13 (205 ILCS 305/10) (from Ch. 17, par. 4411)
1190	1190	14 Sec. 10. Credit union records; member financial records.
1191	1191	15 (1) A credit union shall establish and maintain books,
1192	1192	16 records, accounting systems and procedures which accurately
1193	1193	17 reflect its operations and which enable the Department to
1194	1194	18 readily ascertain the true financial condition of the credit
1195	1195	19 union and whether it is complying with this Act.
1196	1196	20 (2) A photostatic or photographic reproduction of any
1197	1197	21 credit union records shall be admissible as evidence of
1198	1198	22 transactions with the credit union.
1199	1199	23 (3)(a) For the purpose of this Section, the term
1200	1200	24 "financial records" means any original, any copy, or any
1201	1201
1202	1202
1203	1203
1204	1204
1205	1205
1206	1206	HB2537 - 34 - LRB103 29631 BMS 56027 b
1207	1207
1208	1208
1209	1209	HB2537- 35 -LRB103 29631 BMS 56027 b HB2537 - 35 - LRB103 29631 BMS 56027 b
1210	1210	HB2537 - 35 - LRB103 29631 BMS 56027 b
1211	1211	1 summary of (1) a document granting signature authority over an
1212	1212	2 account, (2) a statement, ledger card or other record on any
1213	1213	3 account which shows each transaction in or with respect to
1214	1214	4 that account, (3) a check, draft or money order drawn on a
1215	1215	5 financial institution or other entity or issued and payable by
1216	1216	6 or through a financial institution or other entity, or (4) any
1217	1217	7 other item containing information pertaining to any
1218	1218	8 relationship established in the ordinary course of business
1219	1219	9 between a credit union and its member, including financial
1220	1220	10 statements or other financial information provided by the
1221	1221	11 member.
1222	1222	12 (b) This Section does not prohibit:
1223	1223	13 (1) The preparation, examination, handling or
1224	1224	14 maintenance of any financial records by any officer,
1225	1225	15 employee or agent of a credit union having custody of such
1226	1226	16 records, or the examination of such records by a certified
1227	1227	17 public accountant engaged by the credit union to perform
1228	1228	18 an independent audit.
1229	1229	19 (2) The examination of any financial records by or the
1230	1230	20 furnishing of financial records by a credit union to any
1231	1231	21 officer, employee or agent of the Department, the National
1232	1232	22 Credit Union Administration, Federal Reserve board or any
1233	1233	23 insurer of share accounts for use solely in the exercise
1234	1234	24 of his duties as an officer, employee or agent.
1235	1235	25 (3) The publication of data furnished from financial
1236	1236	26 records relating to members where the data cannot be
1237	1237
1238	1238
1239	1239
1240	1240
1241	1241
1242	1242	HB2537 - 35 - LRB103 29631 BMS 56027 b
1243	1243
1244	1244
1245	1245	HB2537- 36 -LRB103 29631 BMS 56027 b HB2537 - 36 - LRB103 29631 BMS 56027 b
1246	1246	HB2537 - 36 - LRB103 29631 BMS 56027 b
1247	1247	1 identified to any particular customer of account.
1248	1248	2 (4) The making of reports or returns required under
1249	1249	3 Chapter 61 of the Internal Revenue Code of 1954.
1250	1250	4 (5) Furnishing information concerning the dishonor of
1251	1251	5 any negotiable instrument permitted to be disclosed under
1252	1252	6 the Uniform Commercial Code.
1253	1253	7 (6) The exchange in the regular course of business of
1254	1254	8 (i) credit information between a credit union and other
1255	1255	9 credit unions or financial institutions or commercial
1256	1256	10 enterprises, directly or through a consumer reporting
1257	1257	11 agency or (ii) financial records or information derived
1258	1258	12 from financial records between a credit union and other
1259	1259	13 credit unions or financial institutions or commercial
1260	1260	14 enterprises for the purpose of conducting due diligence
1261	1261	15 pursuant to a merger or a purchase or sale of assets or
1262	1262	16 liabilities of the credit union.
1263	1263	17 (7) The furnishing of information to the appropriate
1264	1264	18 law enforcement authorities where the credit union
1265	1265	19 reasonably believes it has been the victim of a crime.
1266	1266	20 (8) The furnishing of information pursuant to the
1267	1267	21 Revised Uniform Unclaimed Property Act.
1268	1268	22 (9) The furnishing of information pursuant to the
1269	1269	23 Illinois Income Tax Act and the Illinois Estate and
1270	1270	24 Generation-Skipping Transfer Tax Act.
1271	1271	25 (10) The furnishing of information pursuant to the
1272	1272	26 federal Currency and Foreign Transactions Reporting Act,
1273	1273
1274	1274
1275	1275
1276	1276
1277	1277
1278	1278	HB2537 - 36 - LRB103 29631 BMS 56027 b
1279	1279
1280	1280
1281	1281	HB2537- 37 -LRB103 29631 BMS 56027 b HB2537 - 37 - LRB103 29631 BMS 56027 b
1282	1282	HB2537 - 37 - LRB103 29631 BMS 56027 b
1283	1283	1 Title 31, United States Code, Section 1051 et sequentia.
1284	1284	2 (11) The furnishing of information pursuant to any
1285	1285	3 other statute which by its terms or by regulations
1286	1286	4 promulgated thereunder requires the disclosure of
1287	1287	5 financial records other than by subpoena, summons, warrant
1288	1288	6 or court order.
1289	1289	7 (12) The furnishing of information in accordance with
1290	1290	8 the federal Personal Responsibility and Work Opportunity
1291	1291	9 Reconciliation Act of 1996. Any credit union governed by
1292	1292	10 this Act shall enter into an agreement for data exchanges
1293	1293	11 with a State agency provided the State agency pays to the
1294	1294	12 credit union a reasonable fee not to exceed its actual
1295	1295	13 cost incurred. A credit union providing information in
1296	1296	14 accordance with this item shall not be liable to any
1297	1297	15 account holder or other person for any disclosure of
1298	1298	16 information to a State agency, for encumbering or
1299	1299	17 surrendering any assets held by the credit union in
1300	1300	18 response to a lien or order to withhold and deliver issued
1301	1301	19 by a State agency, or for any other action taken pursuant
1302	1302	20 to this item, including individual or mechanical errors,
1303	1303	21 provided the action does not constitute gross negligence
1304	1304	22 or willful misconduct. A credit union shall have no
1305	1305	23 obligation to hold, encumber, or surrender assets until it
1306	1306	24 has been served with a subpoena, summons, warrant, court
1307	1307	25 or administrative order, lien, or levy.
1308	1308	26 (13) The furnishing of information to law enforcement
1309	1309
1310	1310
1311	1311
1312	1312
1313	1313
1314	1314	HB2537 - 37 - LRB103 29631 BMS 56027 b
1315	1315
1316	1316
1317	1317	HB2537- 38 -LRB103 29631 BMS 56027 b HB2537 - 38 - LRB103 29631 BMS 56027 b
1318	1318	HB2537 - 38 - LRB103 29631 BMS 56027 b
1319	1319	1 authorities, the Illinois Department on Aging and its
1320	1320	2 regional administrative and provider agencies, the
1321	1321	3 Department of Human Services Office of Inspector General,
1322	1322	4 or public guardians: (i) upon subpoena by the
1323	1323	5 investigatory entity or the guardian, or (ii) if there is
1324	1324	6 suspicion by the credit union that a member who is an
1325	1325	7 elderly person or person with a disability has been or may
1326	1326	8 become the victim of financial exploitation. For the
1327	1327	9 purposes of this item (13), the term: (i) "elderly person"
1328	1328	10 means a person who is 60 or more years of age, (ii) "person
1329	1329	11 with a disability" means a person who has or reasonably
1330	1330	12 appears to the credit union to have a physical or mental
1331	1331	13 disability that impairs his or her ability to seek or
1332	1332	14 obtain protection from or prevent financial exploitation,
1333	1333	15 and (iii) "financial exploitation" means tortious or
1334	1334	16 illegal use of the assets or resources of an elderly
1335	1335	17 person or person with a disability, and includes, without
1336	1336	18 limitation, misappropriation of the elderly or disabled
1337	1337	19 person's assets or resources by undue influence, breach of
1338	1338	20 fiduciary relationship, intimidation, fraud, deception,
1339	1339	21 extortion, or the use of assets or resources in any manner
1340	1340	22 contrary to law. A credit union or person furnishing
1341	1341	23 information pursuant to this item (13) shall be entitled
1342	1342	24 to the same rights and protections as a person furnishing
1343	1343	25 information under the Adult Protective Services Act and
1344	1344	26 the Illinois Domestic Violence Act of 1986.
1345	1345
1346	1346
1347	1347
1348	1348
1349	1349
1350	1350	HB2537 - 38 - LRB103 29631 BMS 56027 b
1351	1351
1352	1352
1353	1353	HB2537- 39 -LRB103 29631 BMS 56027 b HB2537 - 39 - LRB103 29631 BMS 56027 b
1354	1354	HB2537 - 39 - LRB103 29631 BMS 56027 b
1355	1355	1 (14) The disclosure of financial records or
1356	1356	2 information as necessary to effect, administer, or enforce
1357	1357	3 a transaction requested or authorized by the member, or in
1358	1358	4 connection with:
1359	1359	5 (A) servicing or processing a financial product or
1360	1360	6 service requested or authorized by the member;
1361	1361	7 (B) maintaining or servicing a member's account
1362	1362	8 with the credit union; or
1363	1363	9 (C) a proposed or actual securitization or
1364	1364	10 secondary market sale (including sales of servicing
1365	1365	11 rights) related to a transaction of a member.
1366	1366	12 Nothing in this item (14), however, authorizes the
1367	1367	13 sale of the financial records or information of a member
1368	1368	14 without the consent of the member.
1369	1369	15 (15) The disclosure of financial records or
1370	1370	16 information as necessary to protect against or prevent
1371	1371	17 actual or potential fraud, unauthorized transactions,
1372	1372	18 claims, or other liability.
1373	1373	19 (16)(a) The disclosure of financial records or
1374	1374	20 information related to a private label credit program
1375	1375	21 between a financial institution and a private label party
1376	1376	22 in connection with that private label credit program. Such
1377	1377	23 information is limited to outstanding balance, available
1378	1378	24 credit, payment and performance and account history,
1379	1379	25 product references, purchase information, and information
1380	1380	26 related to the identity of the customer.
1381	1381
1382	1382
1383	1383
1384	1384
1385	1385
1386	1386	HB2537 - 39 - LRB103 29631 BMS 56027 b
1387	1387
1388	1388
1389	1389	HB2537- 40 -LRB103 29631 BMS 56027 b HB2537 - 40 - LRB103 29631 BMS 56027 b
1390	1390	HB2537 - 40 - LRB103 29631 BMS 56027 b
1391	1391	1 (b)(1) For purposes of this item (16), "private label
1392	1392	2 credit program" means a credit program involving a
1393	1393	3 financial institution and a private label party that is
1394	1394	4 used by a customer of the financial institution and the
1395	1395	5 private label party primarily for payment for goods or
1396	1396	6 services sold, manufactured, or distributed by a private
1397	1397	7 label party.
1398	1398	8 (2) For purposes of this item (16), "private label
1399	1399	9 party" means, with respect to a private label credit
1400	1400	10 program, any of the following: a retailer, a merchant, a
1401	1401	11 manufacturer, a trade group, or any such person's
1402	1402	12 affiliate, subsidiary, member, agent, or service provider.
1403	1403	13 (17)(a) The furnishing of financial records of a
1404	1404	14 member to the Department to aid the Department's initial
1405	1405	15 determination or subsequent re-determination of the
1406	1406	16 member's eligibility for Medicaid and Medicaid long-term
1407	1407	17 care benefits for long-term care services, provided that
1408	1408	18 the credit union receives the written consent and
1409	1409	19 authorization of the member, which shall:
1410	1410	20 (1) have the member's signature notarized;
1411	1411	21 (2) be signed by at least one witness who
1412	1412	22 certifies that he or she believes the member to be of
1413	1413	23 sound mind and memory;
1414	1414	24 (3) be tendered to the credit union at the
1415	1415	25 earliest practicable time following its execution,
1416	1416	26 certification, and notarization;
1417	1417
1418	1418
1419	1419
1420	1420
1421	1421
1422	1422	HB2537 - 40 - LRB103 29631 BMS 56027 b
1423	1423
1424	1424
1425	1425	HB2537- 41 -LRB103 29631 BMS 56027 b HB2537 - 41 - LRB103 29631 BMS 56027 b
1426	1426	HB2537 - 41 - LRB103 29631 BMS 56027 b
1427	1427	1 (4) specifically limit the disclosure of the
1428	1428	2 member's financial records to the Department; and
1429	1429	3 (5) be in substantially the following form:
1430	1430	4 CUSTOMER CONSENT AND AUTHORIZATION
1431	1431	5 FOR RELEASE OF FINANCIAL RECORDS
1432	1432	6 I, ......................................., hereby authorize
1433	1433	7 (Name of Customer)
1434	1434	8 .............................................................
1435	1435	9 (Name of Financial Institution)
1436	1436	10 .............................................................
1437	1437	11 (Address of Financial Institution)
1438	1438	12 to disclose the following financial records:
1439	1439	13 any and all information concerning my deposit, savings, money
1440	1440	14 market, certificate of deposit, individual retirement,
1441	1441	15 retirement plan, 401(k) plan, incentive plan, employee benefit
1442	1442	16 plan, mutual fund and loan accounts (including, but not
1443	1443	17 limited to, any indebtedness or obligation for which I am a
1444	1444	18 co-borrower, co-obligor, guarantor, or surety), and any and
1445	1445	19 all other accounts in which I have an interest and any other
1446	1446	20 information regarding me in the possession of the Financial
1447	1447
1448	1448
1449	1449
1450	1450
1451	1451
1452	1452	HB2537 - 41 - LRB103 29631 BMS 56027 b
1453	1453
1454	1454
1455	1455	HB2537- 42 -LRB103 29631 BMS 56027 b HB2537 - 42 - LRB103 29631 BMS 56027 b
1456	1456	HB2537 - 42 - LRB103 29631 BMS 56027 b
1457	1457	1 Institution,
1458	1458	2 to the Illinois Department of Human Services or the Illinois
1459	1459	3 Department of Healthcare and Family Services, or both ("the
1460	1460	4 Department"), for the following purpose(s):
1461	1461	5 to aid in the initial determination or re-determination by the
1462	1462	6 State of Illinois of my eligibility for Medicaid long-term
1463	1463	7 care benefits, pursuant to applicable law.
1464	1464	8 I understand that this Consent and Authorization may be
1465	1465	9 revoked by me in writing at any time before my financial
1466	1466	10 records, as described above, are disclosed, and that this
1467	1467	11 Consent and Authorization is valid until the Financial
1468	1468	12 Institution receives my written revocation. This Consent and
1469	1469	13 Authorization shall constitute valid authorization for the
1470	1470	14 Department identified above to inspect all such financial
1471	1471	15 records set forth above, and to request and receive copies of
1472	1472	16 such financial records from the Financial Institution (subject
1473	1473	17 to such records search and reproduction reimbursement policies
1474	1474	18 as the Financial Institution may have in place). An executed
1475	1475	19 copy of this Consent and Authorization shall be sufficient and
1476	1476	20 as good as the original and permission is hereby granted to
1477	1477	21 honor a photostatic or electronic copy of this Consent and
1478	1478	22 Authorization. Disclosure is strictly limited to the
1479	1479	23 Department identified above and no other person or entity
1480	1480
1481	1481
1482	1482
1483	1483
1484	1484
1485	1485	HB2537 - 42 - LRB103 29631 BMS 56027 b
1486	1486
1487	1487
1488	1488	HB2537- 43 -LRB103 29631 BMS 56027 b HB2537 - 43 - LRB103 29631 BMS 56027 b
1489	1489	HB2537 - 43 - LRB103 29631 BMS 56027 b
1490	1490	1 shall receive my financial records pursuant to this Consent
1491	1491	2 and Authorization. By signing this form, I agree to indemnify
1492	1492	3 and hold the Financial Institution harmless from any and all
1493	1493	4 claims, demands, and losses, including reasonable attorneys
1494	1494	5 fees and expenses, arising from or incurred in its reliance on
1495	1495	6 this Consent and Authorization. As used herein, "Customer"
1496	1496	7 shall mean "Member" if the Financial Institution is a credit
1497	1497	8 union.
1498	1498	9 ....................... ......................
1499	1499	10 (Date) (Signature of Customer)
1500	1500	11 ......................
1501	1501	12 ......................
1502	1502	13 (Address of Customer)
1503	1503	14 ......................
1504	1504	15 (Customer's birth date)
1505	1505	16 (month/day/year)
1506	1506	17 The undersigned witness certifies that .................,
1507	1507	18 known to me to be the same person whose name is subscribed as
1508	1508	19 the customer to the foregoing Consent and Authorization,
1509	1509	20 appeared before me and the notary public and acknowledged
1510	1510	21 signing and delivering the instrument as his or her free and
1511	1511	22 voluntary act for the uses and purposes therein set forth. I
1512	1512
1513	1513
1514	1514
1515	1515
1516	1516
1517	1517	HB2537 - 43 - LRB103 29631 BMS 56027 b
1518	1518
1519	1519
1520	1520	HB2537- 44 -LRB103 29631 BMS 56027 b HB2537 - 44 - LRB103 29631 BMS 56027 b
1521	1521	HB2537 - 44 - LRB103 29631 BMS 56027 b
1522	1522	1 believe him or her to be of sound mind and memory. The
1523	1523	2 undersigned witness also certifies that the witness is not an
1524	1524	3 owner, operator, or relative of an owner or operator of a
1525	1525	4 long-term care facility in which the customer is a patient or
1526	1526	5 resident.
1527	1527	6 Dated: ................. ......................
1528	1528	7 (Signature of Witness)
1529	1529	8 ......................
1530	1530	9 (Print Name of Witness)
1531	1531	10 ......................
1532	1532	11 ......................
1533	1533	12 (Address of Witness)
1534	1534	13 State of Illinois)
1535	1535	14 ) ss.
1536	1536	15 County of .......)
1537	1537	16 The undersigned, a notary public in and for the above county
1538	1538	17 and state, certifies that .........., known to me to be the
1539	1539	18 same person whose name is subscribed as the customer to the
1540	1540	19 foregoing Consent and Authorization, appeared before me
1541	1541	20 together with the witness, .........., in person and
1542	1542	21 acknowledged signing and delivering the instrument as the free
1543	1543
1544	1544
1545	1545
1546	1546
1547	1547
1548	1548	HB2537 - 44 - LRB103 29631 BMS 56027 b
1549	1549
1550	1550
1551	1551	HB2537- 45 -LRB103 29631 BMS 56027 b HB2537 - 45 - LRB103 29631 BMS 56027 b
1552	1552	HB2537 - 45 - LRB103 29631 BMS 56027 b
1553	1553	1 and voluntary act of the customer for the uses and purposes
1554	1554	2 therein set forth.
1555	1555	3 Dated:.......................................................
1556	1556	4 Notary Public:...............................................
1557	1557	5 My commission expires:.......................................
1558	1558	6 (b) In no event shall the credit union distribute the
1559	1559	7 member's financial records to the long-term care facility
1560	1560	8 from which the member seeks initial or continuing
1561	1561	9 residency or long-term care services.
1562	1562	10 (c) A credit union providing financial records of a
1563	1563	11 member in good faith relying on a consent and
1564	1564	12 authorization executed and tendered in accordance with
1565	1565	13 this item (17) shall not be liable to the member or any
1566	1566	14 other person in relation to the credit union's disclosure
1567	1567	15 of the member's financial records to the Department. The
1568	1568	16 member signing the consent and authorization shall
1569	1569	17 indemnify and hold the credit union harmless that relies
1570	1570	18 in good faith upon the consent and authorization and
1571	1571	19 incurs a loss because of such reliance. The credit union
1572	1572	20 recovering under this indemnification provision shall also
1573	1573	21 be entitled to reasonable attorney's fees and the expenses
1574	1574	22 of recovery.
1575	1575	23 (d) A credit union shall be reimbursed by the member
1576	1576	24 for all costs reasonably necessary and directly incurred
1577	1577
1578	1578
1579	1579
1580	1580
1581	1581
1582	1582	HB2537 - 45 - LRB103 29631 BMS 56027 b
1583	1583
1584	1584
1585	1585	HB2537- 46 -LRB103 29631 BMS 56027 b HB2537 - 46 - LRB103 29631 BMS 56027 b
1586	1586	HB2537 - 46 - LRB103 29631 BMS 56027 b
1587	1587	1 in searching for, reproducing, and disclosing a member's
1588	1588	2 financial records required or requested to be produced
1589	1589	3 pursuant to any consent and authorization executed under
1590	1590	4 this item (17). The requested financial records shall be
1591	1591	5 delivered to the Department within 10 days after receiving
1592	1592	6 a properly executed consent and authorization or at the
1593	1593	7 earliest practicable time thereafter if the requested
1594	1594	8 records cannot be delivered within 10 days, but delivery
1595	1595	9 may be delayed until the final reimbursement of all costs
1596	1596	10 is received by the credit union. The credit union may
1597	1597	11 honor a photostatic or electronic copy of a properly
1598	1598	12 executed consent and authorization.
1599	1599	13 (e) Nothing in this item (17) shall impair, abridge,
1600	1600	14 or abrogate the right of a member to:
1601	1601	15 (1) directly disclose his or her financial records
1602	1602	16 to the Department or any other person; or
1603	1603	17 (2) authorize his or her attorney or duly
1604	1604	18 appointed agent to request and obtain the member's
1605	1605	19 financial records and disclose those financial records
1606	1606	20 to the Department.
1607	1607	21 (f) For purposes of this item (17), "Department" means
1608	1608	22 the Department of Human Services and the Department of
1609	1609	23 Healthcare and Family Services or any successor
1610	1610	24 administrative agency of either agency.
1611	1611	25 (18) The furnishing of the financial records of a
1612	1612	26 member to an appropriate law enforcement authority,
1613	1613
1614	1614
1615	1615
1616	1616
1617	1617
1618	1618	HB2537 - 46 - LRB103 29631 BMS 56027 b
1619	1619
1620	1620
1621	1621	HB2537- 47 -LRB103 29631 BMS 56027 b HB2537 - 47 - LRB103 29631 BMS 56027 b
1622	1622	HB2537 - 47 - LRB103 29631 BMS 56027 b
1623	1623	1 without prior notice to or consent of the member, upon
1624	1624	2 written request of the law enforcement authority, when
1625	1625	3 reasonable suspicion of an imminent threat to the personal
1626	1626	4 security and safety of the member exists that necessitates
1627	1627	5 an expedited release of the member's financial records, as
1628	1628	6 determined by the law enforcement authority. The law
1629	1629	7 enforcement authority shall include a brief explanation of
1630	1630	8 the imminent threat to the member in its written request
1631	1631	9 to the credit union. The written request shall reflect
1632	1632	10 that it has been authorized by a supervisory or managerial
1633	1633	11 official of the law enforcement authority. The decision to
1634	1634	12 furnish the financial records of a member to a law
1635	1635	13 enforcement authority shall be made by a supervisory or
1636	1636	14 managerial official of the credit union. A credit union
1637	1637	15 providing information in accordance with this item (18)
1638	1638	16 shall not be liable to the member or any other person for
1639	1639	17 the disclosure of the information to the law enforcement
1640	1640	18 authority.
1641	1641	19 (c) Except as otherwise provided by this Act, a credit
1642	1642	20 union may not disclose to any person, except to the member or
1643	1643	21 his duly authorized agent, any financial records relating to
1644	1644	22 that member of the credit union unless:
1645	1645	23 (1) the member has authorized disclosure to the
1646	1646	24 person;
1647	1647	25 (2) the financial records are disclosed in response to
1648	1648	26 a lawful subpoena, summons, warrant, citation to discover
1649	1649
1650	1650
1651	1651
1652	1652
1653	1653
1654	1654	HB2537 - 47 - LRB103 29631 BMS 56027 b
1655	1655
1656	1656
1657	1657	HB2537- 48 -LRB103 29631 BMS 56027 b HB2537 - 48 - LRB103 29631 BMS 56027 b
1658	1658	HB2537 - 48 - LRB103 29631 BMS 56027 b
1659	1659	1 assets, or court order that meets the requirements of
1660	1660	2 subparagraph (3)(d) of this Section; or
1661	1661	3 (3) the credit union is attempting to collect an
1662	1662	4 obligation owed to the credit union and the credit union
1663	1663	5 complies with the provisions of Section 2I of the Consumer
1664	1664	6 Fraud and Deceptive Business Practices Act.
1665	1665	7 (d) A credit union shall disclose financial records under
1666	1666	8 item (3)(c)(2) of this Section pursuant to a lawful subpoena,
1667	1667	9 summons, warrant, citation to discover assets, or court order
1668	1668	10 only after the credit union sends a copy of the subpoena,
1669	1669	11 summons, warrant, citation to discover assets, or court order
1670	1670	12 to the person establishing the relationship with the credit
1671	1671	13 union, if living, and otherwise the person's personal
1672	1672	14 representative, if known, at the person's last known address
1673	1673	15 by first class mail, postage prepaid, through a third-party
1674	1674	16 commercial carrier or courier with delivery charge fully
1675	1675	17 prepaid, by hand delivery, or by electronic delivery at an
1676	1676	18 email address on file with the credit union (if the person
1677	1677	19 establishing the relationship with the credit union has
1678	1678	20 consented to receive electronic delivery and, if the person
1679	1679	21 establishing the relationship with the credit union is a
1680	1680	22 consumer, the person has consented under the consumer consent
1681	1681	23 provisions set forth in Section 7001 of Title 15 of the United
1682	1682	24 States Code), unless the credit union is specifically
1683	1683	25 prohibited from notifying the person by order of court or by
1684	1684	26 applicable State or federal law. In the case of a grand jury
1685	1685
1686	1686
1687	1687
1688	1688
1689	1689
1690	1690	HB2537 - 48 - LRB103 29631 BMS 56027 b
1691	1691
1692	1692
1693	1693	HB2537- 49 -LRB103 29631 BMS 56027 b HB2537 - 49 - LRB103 29631 BMS 56027 b
1694	1694	HB2537 - 49 - LRB103 29631 BMS 56027 b
1695	1695	1 subpoena, a credit union shall not mail a copy of a subpoena to
1696	1696	2 any person pursuant to this subsection if the subpoena was
1697	1697	3 issued by a grand jury under the Statewide Grand Jury Act or
1698	1698	4 notifying the person would constitute a violation of the
1699	1699	5 federal Right to Financial Privacy Act of 1978.
1700	1700	6 (d-1) If a subpoena, summons, warrant, or other request
1701	1701	7 for a customer's records is presented to the credit union by an
1702	1702	8 agency or department of the federal government, or by an
1703	1703	9 officer, agent, or employee of such federal agency or
1704	1704	10 department, a credit union is not required to release records
1705	1705	11 until the credit union has been furnished with a written
1706	1706	12 certification that the requesting agency or department has
1707	1707	13 satisfied its obligations under the federal Right to Financial
1708	1708	14 Privacy Act of 1978.
1709	1709	15 (e)(1) Any officer or employee of a credit union who
1710	1710	16 knowingly and willfully furnishes financial records in
1711	1711	17 violation of this Section is guilty of a business offense and
1712	1712	18 upon conviction thereof shall be fined not more than $1,000.
1713	1713	19 (2) Any person who knowingly and willfully induces or
1714	1714	20 attempts to induce any officer or employee of a credit union to
1715	1715	21 disclose financial records in violation of this Section is
1716	1716	22 guilty of a business offense and upon conviction thereof shall
1717	1717	23 be fined not more than $1,000.
1718	1718	24 (f) A credit union shall be reimbursed for costs which are
1719	1719	25 reasonably necessary and which have been directly incurred in
1720	1720	26 searching for, reproducing or transporting books, papers,
1721	1721
1722	1722
1723	1723
1724	1724
1725	1725
1726	1726	HB2537 - 49 - LRB103 29631 BMS 56027 b
1727	1727
1728	1728
1729	1729	HB2537- 50 -LRB103 29631 BMS 56027 b HB2537 - 50 - LRB103 29631 BMS 56027 b
1730	1730	HB2537 - 50 - LRB103 29631 BMS 56027 b
1731	1731	1 records or other data of a member required or requested to be
1732	1732	2 produced pursuant to a lawful subpoena, summons, warrant,
1733	1733	3 citation to discover assets, or court order. The Secretary and
1734	1734	4 the Director may determine, by rule, the rates and conditions
1735	1735	5 under which payment shall be made. Delivery of requested
1736	1736	6 documents may be delayed until final reimbursement of all
1737	1737	7 costs is received.
1738	1738	8 (Source: P.A. 101-81, eff. 7-12-19; 102-873, eff. 5-13-22.)
1739	1739	9 Section 20. The Illinois Trust and Payable on Death
1740	1740	10 Accounts Act is amended by changing Section 4 as follows:
1741	1741	11 (205 ILCS 625/4) (from Ch. 17, par. 2134)
1742	1742	12 Sec. 4. Payable on Death Account Incidents. If one or more
1743	1743	13 persons opening or holding an account sign an agreement with
1744	1744	14 the institution providing that on the death of the last
1745	1745	15 surviving person designated as holder the account shall be
1746	1746	16 paid to or held by one or more designated beneficiaries, the
1747	1747	17 account, and any balance therein which exists from time to
1748	1748	18 time, shall be held as a payment on death account and unless
1749	1749	19 otherwise agreed in writing between the person or persons
1750	1750	20 opening or holding the account and the institution:
1751	1751	21 (a) Any holder during his or her lifetime may change any of
1752	1752	22 the designated beneficiaries to own the account at the death
1753	1753	23 of the last surviving holder without the knowledge or consent
1754	1754	24 of any other holder or the designated beneficiaries by a
1755	1755
1756	1756
1757	1757
1758	1758
1759	1759
1760	1760	HB2537 - 50 - LRB103 29631 BMS 56027 b
1761	1761
1762	1762
1763	1763	HB2537- 51 -LRB103 29631 BMS 56027 b HB2537 - 51 - LRB103 29631 BMS 56027 b
1764	1764	HB2537 - 51 - LRB103 29631 BMS 56027 b
1765	1765	1 written instrument accepted by the institution;
1766	1766	2 (b) Any holder may make additional deposits to and
1767	1767	3 withdraw any part or all of the account at any time without the
1768	1768	4 knowledge or consent of any other holder or the designated
1769	1769	5 beneficiaries to own the account at the death of the last
1770	1770	6 surviving holder, subject to the bylaws and regulations of the
1771	1771	7 institution, and all withdrawals shall constitute a revocation
1772	1772	8 of the agreement as to the amount withdrawn; and
1773	1773	9 (c) Upon the death of the last surviving holder of the
1774	1774	10 account, the beneficiary designated to be the owner of the
1775	1775	11 account (i) who is then living, if the beneficiary is a natural
1776	1776	12 person, or (ii) that maintains a lawful existence under the
1777	1777	13 state or federal authority pursuant to which it was organized,
1778	1778	14 if the beneficiary is not a natural person, shall be the sole
1779	1779	15 owner of the account. If , unless more than one beneficiary is
1780	1780	16 so designated and then living or in existence, in which case
1781	1781	17 those beneficiaries shall hold the account in equal shares as
1782	1782	18 tenants in common with no right of survivorship as between
1783	1783	19 those beneficiaries; and .
1784	1784	20 (d) Notwithstanding anything to the contrary in subsection
1785	1785	21 (c), any holder of the account may elect a per stirpes
1786	1786	22 distribution option to the descendants of a natural person
1787	1787	23 beneficiary if the beneficiary predeceases the last surviving
1788	1788	24 holder of the account. The institution may rely on the account
1789	1789	25 holder's written representation of the identity of the
1790	1790	26 descendants of each beneficiary living at the time of the
1791	1791
1792	1792
1793	1793
1794	1794
1795	1795
1796	1796	HB2537 - 51 - LRB103 29631 BMS 56027 b
1797	1797
1798	1798
1799	1799	HB2537- 52 -LRB103 29631 BMS 56027 b HB2537 - 52 - LRB103 29631 BMS 56027 b
1800	1800	HB2537 - 52 - LRB103 29631 BMS 56027 b
1801	1801	1 beneficiary designation. The institution may also rely on an
1802	1802	2 affidavit executed by a natural person beneficiary or
1803	1803	3 descendant of a natural person beneficiary of the last
1804	1804	4 surviving holder of the account upon or after the death of the
1805	1805	5 account holder that identifies the descendants of any
1806	1806	6 predeceased natural person beneficiary. The total percentage
1807	1807	7 of the account to be distributed to all beneficiaries upon the
1808	1808	8 death of the last surviving holder of the account must equal
1809	1809	9 100%. If no beneficiary designated as the owner of the account
1810	1810	10 on the death of the last surviving holder is then living or in
1811	1811	11 existence, or if no descendant of a natural person beneficiary
1812	1812	12 is then living if a per stirpes distribution has been
1813	1813	13 selected, the proceeds shall vest in the estate of the last
1814	1814	14 surviving holder of the account.
1815	1815	15 (Source: P.A. 96-1151, eff. 7-21-10.)
1816	1816	16 Section 25. The Promissory Note and Bank Holiday Act is
1817	1817	17 amended by changing Section 17 as follows:
1818	1818	18 (205 ILCS 630/17) (from Ch. 17, par. 2201)
1819	1819	19 Sec. 17. Holidays.
1820	1820	20 (a) The following days shall be legal holidays in the
1821	1821	21 State of Illinois upon which day a bank may, but is not
1822	1822	22 required to, remain closed:
1823	1823	23 the first day of January (New Year's Day);
1824	1824	24 the third Monday in January (observance of Martin Luther
1825	1825
1826	1826
1827	1827
1828	1828
1829	1829
1830	1830	HB2537 - 52 - LRB103 29631 BMS 56027 b
1831	1831
1832	1832
1833	1833	HB2537- 53 -LRB103 29631 BMS 56027 b HB2537 - 53 - LRB103 29631 BMS 56027 b
1834	1834	HB2537 - 53 - LRB103 29631 BMS 56027 b
1835	1835	1 King, Jr.'s birthday);
1836	1836	2 the twelfth day in February (Abraham Lincoln's birthday);
1837	1837	3 the third Monday in February (Presidents Day);
1838	1838	4 the first Monday in March (observance of Casimir Pulaski's
1839	1839	5 birthday);
1840	1840	6 the Friday preceding Easter Sunday (Good Friday);
1841	1841	7 the last Monday of May (Memorial Day);
1842	1842	8 the nineteenth day of June (Juneteenth National Freedom
1843	1843	9 Day);
1844	1844	10 the fourth day of July (Independence Day);
1845	1845	11 the first Monday in September (Labor Day);
1846	1846	12 the second Monday in October (Columbus Day);
1847	1847	13 the eleventh day of November (Veterans' Day);
1848	1848	14 the fourth Thursday in November (Thanksgiving Day);
1849	1849	15 the twenty-fifth day in December (Christmas Day);
1850	1850	16 the days upon which the general elections for members of
1851	1851	17 the House of Representatives are held, and any day proclaimed
1852	1852	18 by the Governor of this State as a legal holiday. From 12
1853	1853	19 o'clock noon to 12 o'clock midnight of each Saturday shall be
1854	1854	20 considered a half holiday. In addition to such holidays and
1855	1855	21 half-holidays, a bank may select one day of the week to remain
1856	1856	22 closed, as provided in subsection (b) of this Section.
1857	1857	23 (b) Any bank doing business within this State may select
1858	1858	24 any one day of the week to remain closed on a regular basis
1859	1859	25 upon adoption of a resolution by the board of directors of such
1860	1860	26 bank designating the day selected and upon filing and
1861	1861
1862	1862
1863	1863
1864	1864
1865	1865
1866	1866	HB2537 - 53 - LRB103 29631 BMS 56027 b
1867	1867
1868	1868
1869	1869	HB2537- 54 -LRB103 29631 BMS 56027 b HB2537 - 54 - LRB103 29631 BMS 56027 b
1870	1870	HB2537 - 54 - LRB103 29631 BMS 56027 b
1871	1871	1 publishing a copy of such resolution as hereinafter required.
1872	1872	2 Any such resolution shall be deemed effective for the purpose
1873	1873	3 of this Section only when a copy thereof, certified by an
1874	1874	4 officer having charge of the records of such bank, is filed
1875	1875	5 with the Recorder of the county in which such bank is located
1876	1876	6 and published once each week for 3 successive weeks in a
1877	1877	7 newspaper of general circulation in such county. Such
1878	1878	8 publication shall be accomplished by, and at the expense of,
1879	1879	9 the bank, and the bank shall submit to the Commissioner of
1880	1880	10 Banks and Real Estate such evidence of the publication as the
1881	1881	11 Commissioner shall deem appropriate. Any such selection shall
1882	1882	12 remain in full force and effect until a copy of the later
1883	1883	13 resolution of the board of directors of such bank, certified
1884	1884	14 in like manner, terminating or altering any such prior
1885	1885	15 selection shall be filed and published in the same manner as
1886	1886	16 such prior resolution.
1887	1887	17 (c) If an occasion arises when a state bank wishes to
1888	1888	18 remain closed on a particular day, other than a day on which
1889	1889	19 the bank has selected to remain closed on a regular basis as
1890	1890	20 provided in this Section, such state bank may remain closed on
1891	1891	21 such an occasion after first sending to the Commissioner a
1892	1892	22 copy of a resolution adopted by the board of directors
1893	1893	23 authorizing the bank to remain closed on such occasion and
1894	1894	24 notice of the intent to remain closed on such occasion shall be
1895	1895	25 conspicuously posted in the lobby of the main banking office
1896	1896	26 and any branches of such bank for at least 3 weeks in advance
1897	1897
1898	1898
1899	1899
1900	1900
1901	1901
1902	1902	HB2537 - 54 - LRB103 29631 BMS 56027 b
1903	1903
1904	1904
1905	1905	HB2537- 55 -LRB103 29631 BMS 56027 b HB2537 - 55 - LRB103 29631 BMS 56027 b
1906	1906	HB2537 - 55 - LRB103 29631 BMS 56027 b
1907	1907	1 of such occasion. Any day which any bank doing business within
1908	1908	2 the State shall select to remain closed pursuant to this
1909	1909	3 Section shall, with respect to such bank, be treated and
1910	1910	4 considered as a Sunday. Notwithstanding the notification time
1911	1911	5 frames and procedures otherwise stated in this subsection, if
1912	1912	6 the bank is going to be closed for no more than a half day to
1913	1913	7 permit personnel to attend a funeral, visitation, or other
1914	1914	8 memorial service held for a deceased officer, employee, or
1915	1915	9 director of the bank, or a family member of such person, the
1916	1916	10 bank need only notify the Secretary and post conspicuously in
1917	1917	11 the lobby of any affected office or branch of the bank notice
1918	1918	12 of the hours during which the bank will be closed. Such
1919	1919	13 notification to the Secretary and posting of notice in the
1920	1920	14 lobby of the office or branch shall be accomplished not less
1921	1921	15 than 24 hours in advance of the day during which such closing
1922	1922	16 will occur.
1923	1923	17 (d) All legal holidays, the half holidays and any day
1924	1924	18 selected by a bank doing business within the State to remain
1925	1925	19 closed, shall, for all purposes whatsoever, as regards the
1926	1926	20 presenting for payment or acceptance, the maturity and
1927	1927	21 protesting and giving of notice of the dishonor of bills of
1928	1928	22 exchange, bank checks and promissory notes and other
1929	1929	23 negotiable or commercial paper or instrument, be treated and
1930	1930	24 considered as a Sunday. When any such holidays, except
1931	1931	25 Juneteenth National Freedom Day, fall on Sunday, the Monday
1932	1932	26 next following shall be held and considered such holiday. All
1933	1933
1934	1934
1935	1935
1936	1936
1937	1937
1938	1938	HB2537 - 55 - LRB103 29631 BMS 56027 b
1939	1939
1940	1940
1941	1941	HB2537- 56 -LRB103 29631 BMS 56027 b HB2537 - 56 - LRB103 29631 BMS 56027 b
1942	1942	HB2537 - 56 - LRB103 29631 BMS 56027 b
1943	1943	1 notes, bills, drafts, checks or other evidence of
1944	1944	2 indebtedness, falling due or maturing on either of such days,
1945	1945	3 shall be deemed as due or maturing upon the day following, and
1946	1946	4 when 2 or more of these days come together, or immediately
1947	1947	5 succeeding each other, then such instruments, paper or
1948	1948	6 indebtedness shall be deemed as due or having matured on the
1949	1949	7 day following the last of such days.
1950	1950	8 (e) Any act authorized, required or permitted to be
1951	1951	9 performed at or by or with respect to any bank doing business
1952	1952	10 within the State on a day which it has selected to remain
1953	1953	11 closed under this Section may be so performed on the next
1954	1954	12 succeeding business day and no liability or loss of rights of
1955	1955	13 any kind shall result from such delay.
1956	1956	14 (f) Nothing in this Act shall in any manner affect the
1957	1957	15 validity of, or render void or voidable, the payment,
1958	1958	16 certification, or acceptance of a check or other negotiable
1959	1959	17 instrument, or any other transaction by a bank in this State,
1960	1960	18 because done or performed on any Saturday, Sunday, holiday, or
1961	1961	19 any day selected by a bank to remain closed, or during any time
1962	1962	20 other than regular banking hours; but no bank in this State,
1963	1963	21 which by law or custom is entitled to remain open or to close
1964	1964	22 for the whole or any part of any day selected by it to remain
1965	1965	23 open or to close, is compelled to close, or to remain open for
1966	1966	24 the transaction of business or to perform any of the acts or
1967	1967	25 transactions aforesaid except at its own option.
1968	1968	26 (Source: P.A. 102-14, eff. 1-1-22; 102-334, eff. 8-9-21.)
1969	1969	HB2537- 57 -LRB103 29631 BMS 56027 b 1 INDEX 2 Statutes amended in order of appearance HB2537- 57 -LRB103 29631 BMS 56027 b HB2537 - 57 - LRB103 29631 BMS 56027 b 1 INDEX 2 Statutes amended in order of appearance
1970	1970	HB2537- 57 -LRB103 29631 BMS 56027 b HB2537 - 57 - LRB103 29631 BMS 56027 b
1971	1971	HB2537 - 57 - LRB103 29631 BMS 56027 b
1972	1972	1 INDEX
1973	1973	2 Statutes amended in order of appearance
1974	1974
1975	1975
1976	1976
1977	1977
1978	1978
1979	1979	HB2537 - 56 - LRB103 29631 BMS 56027 b
1980	1980
1981	1981
1982	1982
1983	1983	HB2537- 57 -LRB103 29631 BMS 56027 b HB2537 - 57 - LRB103 29631 BMS 56027 b
1984	1984	HB2537 - 57 - LRB103 29631 BMS 56027 b
1985	1985	1 INDEX
1986	1986	2 Statutes amended in order of appearance
1987	1987
1988	1988
1989	1989
1990	1990
1991	1991
1992	1992	HB2537 - 57 - LRB103 29631 BMS 56027 b