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Prudent efforts to help consumers and businesses will not be subject to examiner criticism. The Department recognizes such efforts serve the long-term interest of Illinois communities and banks and credit unions when conducted with appropriate management oversight and that they are consistent with safe and sound practices and applicable laws, including consumer protection laws. There is also an FAQ for credit unions intended to consolidate answers to common questions DFI has received from credit unions during the COVID-19 pandemic. For more information, institutions can refer to the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus, FDIC Financial Institution Letter FIL-20-2020, and NCUA Letter to Credit Unions 20-CU-02 as applicable. The Department supports banks and credit unions using their capital and liquidity buffers to lend and undertake other supportive actions in a safe and sound manner. Guidance to Illinois-licensed depository institutions regarding support for borrowers impacted by COVID-19 may be viewed here.

Ensuring that consumers and small businesses don't experience a disruption of service if financial institutions close their officesĪdditionally, banks and credit unions should contact customers via app announcements, text, email, or otherwise to explain the above-listed assistance being offered to customers.

Reminding customers to contact their financial institutions before entering into unsolicited financial assistance programs.Alerting customers to the heightened risk of scams and price gouging during the COVID-19 disruptions.Increasing credit card limits for creditworthy borrowers.Easing restrictions on cashing out-of-state and non-customer checks.

Increasing ATM daily cash withdrawal limits.

Waiving certain fees (such as those for ATM usage, overdrafting, and late payments on credits cards and other loans).

Providing new loans on favorable terms to businesses and consumers.

Offering payment accommodations (such as allowing borrowers to defer payments at no cost or extending the payment due dates).

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The Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking and Division of Financial Institutions strongly urges banks and credit unions to respond to borrowers affected by the current economic environment, such as small businesses, hourly workers, and independent contractors.Īlthough IDFPR is aware that many state banks and credit unions are already providing modifications, forbearances, and new loans to consumers and businesses, IDFPR is encouraging all banks and credit unions to consider taking the following actions: IDFPR guidance for state banks and credit unions and help for their consumers The Department also provided Guidance to its regulated entities, state banks, credit unions, installment lenders, payday lenders, title loan lenders, sales finance lenders including auto loans, currency exchanges, student loan servicers, mortgage servicers, and collection agencies concerning their lending, servicing, and collection during the COVID-19 pandemic.

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CHICAGO - The Illinois Department of Financial and Professional Regulation today announced a series of actions to ensure the protection of Illinoisans in many areas of consumer borrowing, servicing, and collections.