Illinois Code § 815 ILCS 137/65

Negative amortization.
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No lender shall transfer, deal in, offer,
or make a high risk home loan, other than a loan secured only by a reverse
mortgage, with terms under which the outstanding balance will increase at any
time over the course of the loan because the regular periodic payments do not
cover the full amount of the interest due, unless the negative amortization is
the
consequence of a temporary forbearance sought by the borrower.

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