Illinois Code § 815 ILCS 135/2

No person or corporation shall disburse funds to or for the account
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of, or as directed by, a contractor pursuant to an issuance or transfer
thereto of a negotiable instrument evidencing a loan for improvement or
repair of (including remodeling of and additions to) a residential
structure without requiring and receiving prior to each such disbursement a
completion certificate as prescribed by this Act. Acceptance by such person
or corporation of a completion certificate in the prescribed form, without
actual knowledge of any falsity of such certificate, entitles such person
or corporation to all rights of a holder in due course of such negotiable
instrument notwithstanding any actual falsity of such certificate.

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