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On January 13, 2021, the Illinois legislature overwhelmingly passed SB 1792 (the “Act”), intended to, among other things, overhaul the state’s consumer finance laws. Described prior to enactment as a bill related to “
Energy Storage Systems,” SB 1792 passed, together with other major bills, with remarkably little debate.
The drafters’ inclusion of the “
Predatory Loan Prevention Act” in SB 1792 would extend the 36% “all-in” Military Annual Percentage Rate (MAPR) finance charge cap of the federal Military Lending Act (MLA) to “any person or entity that offers or makes a loan to a consumer in Illinois” unless made by a statutorily exempt entity (i.e., a bank, savings bank, savings and loan association, credit union or insurance company). (SB 1792 separately amends the Illinois Consumer Installment Loan Act and the Payday Loan Reform Act to apply this same 36% MAPR cap.) The cap is effective immedia
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The sun is now California’s cheapest power source. This remarkable milestone in the changing energy economy, owed to advances in photovoltaic technology, comes as the curtains fall on the fossil fuel age. But a complete transition to renewable energy remains many years away. While California’s leaders have set progressive goals for reducing greenhouse gas emissions and tapping into clean energy, it will take bright minds in the private sector to reach and realize those targets. More than half a million Californians now work in jobs related to clean energy, and among several hubs of activity, the Capital Region has emerged as a center of action.