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Welcome to the Anti-Predatory Lending Database website.
The purpose of this site is to eliminate predatory lending practices by increasing the borrowers’ understanding of the loans they are considering and thereby reduce the number of foreclosures resulting from inappropriate loans.


December 21, 2012
Clarification regarding certificates of exemption and compliance. Please click here for more information.

August 8, 2011
The Illinois Residential Mortgage License Act has been amended regarding private mortgages. Click here for further information.

August 8, 2011
Please review the guidelines for accurate data entry in the APLD. Click here for further information.

May 4, 2011
Effective May 4, 2011 the APLD Semi-Annual Reports are available and can be viewed via the Illinois Department of Financial and Professional Regulation website at through the Division of Banking drop-down menu. For the most recent report please click here.

July 1, 2010
Effective July 1, 2010, the Illinois Anti-Predatory Lending Database Program expands to three additional counties: Kane, Peoria, and Will. Training opportunities are now available. Please click on the Training link or Click Here for the schedule of available sessions and other related information.

January 1, 2010
Changes to Good Faith Estimate (GFE) and HUD-1 forms are effective beginning January 1, 2010. Modifications have been made to the Anti-Predatory Lending Database for entry of GFE and HUD-1 data. Please Click Here for more information concerning these updates.

October 27, 2009
Attention APLD registered users! Please Click Here for Important Information regarding usage of the Anti-Predatory Lending Database.


What is predatory lending?
Unfair, deceptive or negligent lending practices, often referred to as “predatory lending,” have caused many families to lose their homes. When faced with a mortgage a borrower is unable to pay, the result is often foreclosure of the borrower’s home. This situation affects not only the owner of the foreclosed property, but the entire community as well. Neighborhoods fall into disrepair and home values decrease as properties are abandoned.
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