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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.


September 29, 2017
On September 15, 2017, Governor Rauner signed Senate Bill 776 into law as Public Act 100-0509. Public Act 100-0509 modernizes and streamlines several of the processes under the current Anti-Predatory Lending Database (APLD) Program. These changes to the APLD will make it more user friendly for both industry and borrowers while still providing borrowers with the knowledge necessary to make sound financial decisions about home ownership. Public Act 100-0509 reduces the number of fields of information collected. This reduction of fields will assist in the creation of an interface that would connect the APLD to loan origination software to reduce entry. Consistent with this legislation streamlining the current APLD, the Department has recently repealed the original APLD Pilot Program Rules [38 IAC 346] as part of Governor Rauner’s "Cutting the Red Tape Initiative."

October 11, 2015
If a loan was taken prior to October 3, 2015 and was not entered into the APLD by October 2, 2015, it can still be entered into the APLD. Although reference is made to the Loan Estimate and Closing Disclosure-- it will not be considered a TRID loan. Use the pre-October 3, 2015 information to fill-in the corresponding fields on the updated APLD pages.

September 22, 2015
Notice Regarding APLD Entry and Handling for Loan Applications taken as late as October 2, 2015 (Prior to CFPB’s Mandated Mortgage Disclosures on October 3, 2015)
On October 3, 2015, the APLD will convert to only accept loan applications taken subject to the two CFPB’s Mandated Mortgage Disclosures (initially with the new CFPB Loan Estimate) and carry that through to any applicable housing counseling and the closing of the loan (culminating with the new CFPB Closing Disclosure). Due to this APLD conversion, for loan applications taken on or before October 2, 2015, licensees must enter the required loan information into the APLD no later than October 2, 2015, and include Good Faith Estimate (GFE) and Truth in Lending (TIL) disclosure information as is presently done. Housing counselors and title/closing agents will use as presently done the GFE, TIL, and HUD-1 settlement statements for this October 2, 2015 or before grouping of taken loan applications.

September 8, 2015
Broker File Upload Standards
Veritec Solutions, LLC has the Broker File Upload Standards v1.0 available for distribution. This document contains all the necessary information for the file upload process of your loan data to the Veritec Illinois APL Database. Any brokers who plan to upload files must first complete a certification process with Veritec.

Upon passing the certification process, brokers may begin uploading files to the Veritec Illinois APL Database on 10/03/2015. The broker file upload process will be available for loan applications that are added to the database on or after 10/03/2015, when new loans added to the database will be processed based on the Consumer Financial Protection Bureau’s new mandated disclosures. For more information, please contact Ira Tangy by phone at 312-793-4532 or by email at

November 25, 2014
APLD Policy on Cancelled Loan Applications
Once a loan application has been taken it must be entered into the APLD whatever the ultimate disposition of that application may be. This is particularly important regarding loan applications that are subsequently cancelled by the applicant. Cancellation of an application does not eliminate the requirement for entry into the APLD. All applicable loans in the APLD program area that appear in the loan log must also be entered in the APLD. Loan log and APLD data must be consistent.


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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