Does Illinois have any special signage requirements for in-state branches owned by an out-of-state bank? We found some requirements for insurance products and for holiday closings, but we want to make sure we’re not missing anything else.

We are not aware of any special signage requirements for branches of out-of-state banks in Illinois.

As you noted, the Illinois Promissory Note and Bank Holiday Act requires a public notice when a bank will be closing on a day other than days when the bank is closed on a regular basis. Also, the Illinois Insurance Code requires financial institutions to display a sign containing statutory language regarding the availability of insurance products “in the same area where applications for loans or other extensions of credit are being taken or closed.”

In addition, a plethora of employment-related signs and notices are required for employers under Illinois law. The Illinois Department of Labor’s website has a useful page with links to all required Illinois employer notices (as well as federal notices): https://www.illinois.gov/idol/Employers/Pages/posters.aspx. Links to the notice provisions in some of these laws are below.

For resources related to our guidance, please see:

Illinois Promissory Note and Bank Holiday Act, 215 ILCS 630/17(c) (“If an occasion arises when a state bank wishes to remain closed on a particular day, other than a day on which the bank has selected to remain closed on a regular basis as provided in this Section, such state bank may remain closed on such an occasion after first sending to the Commissioner a copy of a resolution adopted by the board of directors authorizing the bank to remain closed on such occasion and notice of the intent to remain closed on such occasion shall be conspicuously posted in the lobby of the main banking office and any branches of such bank for at least 3 weeks in advance of such occasion.”)

Illinois Insurance Code, 215 ILCS 5/1414 (“Signs concerning the availability of insurance products offered by the financial institution or by any registered firm shall be clearly displayed in the same area where applications for loans or other extensions of credit are being taken or closed and shall include the disclosure set forth in subsection (a) of Section 1412.”)

Illinois Insurance Code, 215 ILCS 5/1412(a) (The disclosure set forth in subsection (a) of Section 1412 is as follows: “You may obtain insurance required in connection with your loan or extension of credit from any insurance agent, broker, or firm that sells such insurance. Your choice of insurance provider will not affect our credit decision or your credit terms.”)

Illinois Human Rights Act, 775 ILCS 5/2-102(K) (“It is a civil rights violation . . . For an employer to fail to post or keep posted in a conspicuous location on the premises of the employer where notices to employees are customarily posted, or fail to include in any employee handbook information concerning an employee's rights under this Article, a notice, to be prepared or approved by the Department, summarizing the requirements of this Article and information pertaining to the filing of a charge, including the right to be free from unlawful discrimination and the right to certain reasonable accommodations.”)

Illinois Human Rights Act, 775 ILCS 5/2-101(B) (“‘Employer’ includes . . . Any person employing 15 or more employees within Illinois during 20 or more calendar weeks within the calendar year of or preceding the alleged violation . . . .”)

Illinois Minimum Wage Law, 820 ILCS 105/9 (“Every employer subject to any provision of this Act or of any regulations issued under this Act shall keep a summary of this Act approved by the Director, and copies of any applicable regulations issued under this Act or a summary of such regulations, posted in a conspicuous and accessible place in or about the premises wherever any person subject to this Act is employed.”)

Illinois Minimum Wage Law, 820 ILCS 105/3(c) (“‘Employer’ includes any individual, partnership, association, corporation, limited liability company, business trust, governmental or quasi-governmental body, or any person or group of persons acting directly or indirectly in the interest of an employer in relation to an employee, for which one or more persons are gainfully employed on some day within a calendar year. An employer is subject to this Act in a calendar year on and after the first day in such calendar year in which he employs one or more persons, and for the following calendar year.”)

Illinois Equal Pay Act of 2003, 820 ILCS 112/40 (“Every employer covered by this Act shall post and keep posted, in conspicuous places on the premises of the employer where notices to employees are customarily posted, a notice, to be prepared or approved by the Director, summarizing the requirements of this Act and information pertaining to the filing of a charge.”)

Illinois Equal Pay Act of 2003, 820 ILCS 112/5 (“‘Employer’ means an individual, partnership, corporation, association, business, trust, person, or entity for whom employees are gainfully employed in Illinois . . . .”)

Illinois One Day Rest in Seven Act, 820 ILCS 140/4 (“Before operating on the first day of the week, which is commonly known as Sunday, every employer shall post in a conspicuous place on the premises, a schedule containing a list of his employees who are required or allowed to work on Sunday, and designating the day of rest for each. Anything in this Act to the contrary notwithstanding, no employee shall be required to work on the day of rest so designated for him.”)

Illinois One Day Rest In Seven Act, 820 ILCS 140/1 (“‘Employer’ shall mean a person, partnership, joint stock company or corporation, which employs any person to work, labor or exercise skill in connection with the operation of any business, industry, vocation or occupation.”)

Illinois Victims’ Economic Security and Safety Act, 820 ILCS 180/40 (“Every employer covered by this Act shall post and keep posted, in conspicuous places on the premises of the employer where notices to employees are customarily posted, a notice, to be prepared or approved by the Director of Labor, summarizing the requirements of this Act and information pertaining to the filing of a charge. The Director shall furnish copies of summaries and rules to employers upon request without charge.”)

Illinois Victims’ Economic Security and Safety Act, 820 ILCS 180/10(7) (“‘Employer’ means any of the following . . . any person that employs at least one employee.”)

Illinois Child Labor Law, 820 ILCS 205/5 (“Every employer covered by this Act shall post in a conspicuous place where minors under 16 years of age are employed, or allowed to work, a printed abstract of this Act and a list of the occupations prohibited to such minors, to be furnished by the Department of Labor. Such employers shall post in a conspicuous place where minors under 16 years of age are employed, or allowed to work a printed notice stating the hours of commencing and stopping work, the hours when the time or times allowed for dinner or other meals, begin and end, and the Department's toll free telephone number established under Section 17.4. The printed form of such notice shall be furnished by the Department of Labor.”)

Illinois Child Labor Law, 820 ILCS 205/1 (“[M]inors between 14 and 16 years of age may be employed, permitted, or allowed to work outside school hours and during school vacations but not in dangerous or hazardous factory work or in any occupation otherwise prohibited by law or by order or regulation made in pursuance of law.”)

Illinois Workers’ Compensation Act, 820 ILCS 305/6(a) (“Every employer within the provisions of this Act, shall, under the rules and regulations prescribed by the Commission, post printed notices in their respective places of employment in such number and at such places as may be determined by the Commission, containing such information relative to this Act as in the judgment of the Commission may be necessary to aid employees to safeguard their rights under this Act in event of injury.”)

Illinois Workers’ Compensation Act, 820 ILCS 305/1 (“The term ‘employer’ as used in this Act means . . . Every person, firm, public or private corporation . . . who has any person in service or under any contract for hire, express or implied, oral or written, and who is engaged in any of the enterprises or businesses enumerated in Section 3 of this Act, or who at or prior to the time of the accident to the employee for which compensation under this Act may be claimed, has in the manner provided in this Act elected to become subject to the provisions of this Act, and who has not, prior to such accident, effected a withdrawal of such election in the manner provided in this Act.”)

Illinois Unemployment Insurance Act, 820 ILCS 405/700 (“Each employer shall post and maintain printed statements concerning such regulations or such other matters as the Director may by regulation prescribe in places readily accessible to individuals in such employer's service.”)

Illinois Unemployment Insurance Act, 820 ILCS 405/205 (“‘Employer’ means . . . any employing unit which (1) pays or paid, for services in employment, wages of at least $1500 within any calendar quarter in either the current or preceding calendar year; or (2) has or had in employment at least one individual on some portion of a day, irrespective of whether the same individual is or was employed on each such day, within each of twenty or more calendar weeks, whether or not such weeks are or were consecutive, within either the current or preceding calendar year . . . .”)