No, there are no Illinois-specific laws regarding past due notices at this time.

Previously, the Illinois Code of Civil Procedure required lenders to send borrowers a “grace period” notice whenever a residential mortgage loan became 30 days delinquent. However, this provision included a sunset date, which automatically repealed the requirement on July 1, 2016. It is possible that the grace period notice requirement will be reinstated at a later date — but at this time, we are not aware of any legislative efforts to reinstate this provision.

For resources related to our guidance, please see:

• Code of Civil Procedure, 735 ILCS 5/15-1502.5 (Illinois grace period notice requirement, with a sunset date of July 1, 2016.)