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The Department of Trade and Commerce, for the purpose of discovering violations of this Act, may at any time and as often as it may desire, investigate the loans and business of every licensee; and for that purpose it shall have free access to the books, papers, records and vaults of such licensee, it shall also have authority to examine, under oath, all persons whomsoever whose testimony it may require relative to such loans or business.

The licensee shall keep such books and records as in the opinion of the Department of Trade and Commerce will enable it to determine. whether the provisions of this Act are being observed. Every such licensee shall preserve the records of final entry used in such business, including cards used in the card system, if any, for a period of at least one year after the making of any loan recorded therein.

§ 2. Every licensee licensed hereinunder may loan any sum of money, goods, or things in action, not exceeding in amount or value the sum of three hundred dollars ($300), and may charge, contract for and receive thereon interest at a rate not to exceed three and one-half (32) per centum per month.

Interest shall not be payable in advance or compounded and shall be computed on unpaid balances. In addition to the interest herein provided for, no further or other charge, or amount whatsoever for any examination, service, brokerage, commission, attorney fee (except for foreclosure or entry of judgment, and in no case shall a greater amount be allowed as attorney fee than as is evidenced by 10 per cent of the amount found to be due or other thing, shall be directly or indirectly charged, contracted for or received, except the lawful fees, if any, actually and necessarily paid out by the licensee to any public officer for filing or recording in any public office any instrument securing the loan, which fees may be collected when the loan is made, or at any time thereafter.

If interest or charges in excess of those permitted by this Act shall be charged, contracted for or received by any licensee, the contract of loan shall be void and the licensee shall have no right to collect or receive any principal, interest or charges whatsoever.

No person shall owe any licensee at any time more than three hundred dollars ($300) for principal.

§3. Every licensee shall:

Deliver to the borrower, at the time a loan is made, a statement in the English language showing in clear and distinct terms the amount and date of the loan and of its maturity, the nature of the security, if any, for the loan, the name and address of the borrower, and of the licensee and the rate of interest charged. Upon such statement there shall be printed in English a copy of section 2 of this Act;

Give to the borrower a plain and complete receipt for each payment made on account of any such loan at the time such payment is made:

Úpon repayment of the loan in full, mark indelibly every paper signed by the borrower with the word "Paid" or "Cancelled" and release any mortgage, restore any pledge, cancel and return any note, and cancel and return any assignment given by the borrower as security.

No licensee shall take any power of attorney, except to acknowledge the execution of an instrument, or to confess judgment, provided that no attorney's fee for such confession shall be allowed; nor shall he take any note, promise to pay, or security that does not state the actual amount of the loan, the time for which it is made and the rate of interest charged, nor any instrument in which blanks are left to be filled after execution.

4. No assignment of any salary or any wages, earned or to be earned, given to secure any loan made under this Act, shall be valid, unless in writing signed by the borrower; nor shall such assignment be valid unless given to secure an existing debt or one contracted simultaneously with its execution.

Under such assignment or order for the payment of future salary or wages given as security for a loan made under this Act, a sum of fifty (50) per centum of the borrower's salary or wages shall be collectible [collectable] by the licensee from the time that a copy thereof. verified by the oath of the licensee, or his agent, together with a verified statement of the amount unpaid upon such loan, has been served upon the employer.

§ 5. Any person who shall, directly or indirectly, violate any of the provisions of this Act shall be guilty of a misdemeanor and upon conviction thereof shall be punishable by a fine of not more than five hundred dollars ($500), or by imprisonment of not more than six (6) months, or by both such fine and imprisonement, in the discretion of the court.

§ 5-a. This Act shall not apply to any person, co-partnership or corporation doing business under any law of this State, or of the United States relating to banks, trust companies, building and loan associations, or pawn brokers; or to wage loan corporations organized under "An Act to provide for the incorporation, management and regulation of wage loan corporations and to allow the loaning of money by such corpora tions, secured by the assignment of wages and limiting the rate of compensation to be paid," approved June 20, 1913, in force July 1, 1913. § 6. All Acts and parts of Acts inconsistent with the provisions of this Act are hereby repealed.

APPROVED June 14, 1917.

JAILS AND JAILERS.

§ 1. Amends section 16, Act of 1874.

§ 16. Dieting of prisoners. (HOUSE BILL No. 278. APPROVED JUNE 25, 1917.)

AN ACT to amend an Act entitled, “An Act to revise the law in relation to jails and jailers," approved March 3, 1874, in force July 1, 1874, as subsequently amended, by amending section 16 thereof.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That an Act entitled, "And Act to revise the law in relation to jails and jailers," approved March 3, 1874, in force July 1, 1874, be and the same is hereby amended by amending section 16 thereof to read as follows:

§ 16. The keeper of the jail shall furnish each prisoner daily with as much clean water as may be necessary for drink and personal cleanliness, and serve him three times a day with wholesome food, well cooked and in sufficient quantity. On and after the first Monday in December, 1918, the keeper of the jail in counties of the first and second class shall procure at the expense of the county, all necessary foods and provisions for the support of the prisoners confined in the jail, and when authorized by the county board so to do may employ at the expense of the county a suitable person or persons to prepare the food for the prisoners and

to serve the same.

The said jailer shall from time to time consult with the county board as to the quantity, kinds and quality of foods and provisions necessary and proper to be procured. All bills for such food and provisions, and for the preparation and service of the same, shall be audited and allowed by the county board and paid from the county treasury. The keeper of the jail shall file with the clerk of the county board on or before the fifth day of each month an itemized report of the foods and provisions procured during the month for which the report is made, and of all expenses for employees authorized to be employed, which report shall have attached thereto a list of all bills, vouchers, or other evidences of purchases or employment, together with a statement that the food and provisions reported as purchased, were purchased and used solely for the prisoners and that all accounts for employment are for employees authorized by the county board. Said report shall be signed and sworn to by the keeper of the jail.

APPROVED June 25, 1917.

JOINT TENANTS.

RIGHTS AND OBLIGATIONS..

§ 1. Joint tenants-rights-obligations.

(HOUSE BILL No. 702. APPROVED JUNE 26, 1917.)

AN ACT to amend section 1 of an Act entitled, "An Act to revise the law in relation to joint rights and obligations," approved February 25, 1874, in force July 1, 1874.

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SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That section 1 of an Act entitled, "An Act to revise the law in relation to joint rights and obligations,' approved February 25, 1874, in force July 1, 1874, be and the same is hereby amended to read as follows:

§ 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That if partition be not made between joint tenants, the parts of those who die first shall not accrue to the survivors, but descend or pass by device, and shall be subject to debts, dower, charges, etc., or transmissible to executors or administrators, and be considered, to every intent and purpose, in the same view as if such deceased joint tenants had been tenants in common, provided that when a deposit in any bank or trust company transacting business in this State

has been made or shall hereafter be made in the names of two or more persons, payable to them, jointly or severally evidenced by a writing signed by them when the account is opened, such deposit or any part thereof or any interest or dividend thereon may be paid to any one of said persons, whether the other or others be living or not; When an agreement permitting such payment is signed by all said persons at the time the account is opened or thereafter and the receipt or acquittance of the person so paid shall be valid and sufficient discharge from all parties to the bank for any payments so made.

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AN ACT to amend sections 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 27a, 28, 29 and 30 of an Act entitled, “An Act in regard to judgments and decrees and the manner of enforcing the same by execution and to provide for the redemption of real estate sold under execution or decree," approved March 22, 1872, in force July 1, 1872, as amended by subsequent Acts, and to make the amendments and repeal effected hereby inapplicable to sales of real estate made pursuant to decrees foreclosing mortgages or trust deeds executed prior to July 1, 1917, or foreclosing mechanic's liens or vendor's liens arising out of contracts existing prior to July 1, 1917, or made pursuant to a judgment or decree for breach of a contract existing prior to July 1, 1917, or any judgment or decree entered prior to July 1, 1917."

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That sections 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 27a, 28, 29 and 30 of an Act entitled, "An Act in regard to judgments and decrees and the manner of enforcing the

same by execution and to provide for the redemption of real estate sold under execution or decree," approved March 22, 1872, in force July 1, 1872, as amended by subsequent Acts, be and the same hereby are amended so as to read as follows:

§ 16. When any real estate shall be levied upon by virtue of any execution as aforesaid or shall be directed to be sold in satisfaction of any judgment or decree of foreclosure of mortgage, enforcement of mechanic's lien or vendor's lien or for the payment of money, it shall be the duty of the sheriff, master in chancery, or other officer making such levy or directed to make such sale, at once to make and deliver to said judgment or decree creditor a certificate containing the names of the parties as set forth in said judgment or decree, the date of said judgment or decree and the amount due thereon, including interest, together with a description of the real estate levied on or directed to be sold and costs accrued and the cost of recording a copy of said certificate, and thereupon at the cost of said judgment or decree creditor shall file in the office of the recorder of the county in which the real estate is situated a duplicate of such certificate.

§ 17. To recover the debt found due in a decree execution may issue as in judgments at law against the lands and tenements, goods and chattels of the person held personally liable to pay the debt so found due.

On cause shown the court may, at any time before sale, appoint a receiver of real estate, or any part thereof, described in the bill or decree of foreclosure, enforcement of mechanic's lien, vendor's lien and of the rents, issues and profits arising therefrom.

§18. Any defendant, his heirs, executors, administrators or assigns or any person interested in the real estate through or under such defendant may, within twelve months from the date of such certificate, or within fifteen months therefrom if there shall be no redemption by a decree or judgment creditor as hereinafter provided, pay to the sheriff, master in chancery, or other officer issuing said certificate, or his successor in office, for the benefit of the decree or judgment creditor, his executors, administrators or assigns holding such certificate, the amount due as set forth in said certificate, together with interest thereon at the rate of six per centum per annum from the date of said certificate, and all other sums due under said certificate according to the provisions of this Act. Said certificate shall thereupon be null and void.

§ 19. It shall be the duty of the sheriff, master in chancery, or other officer or person who executed said certificate, upon payment to him of said sum as aforesaid to make out an instrument in writing under his hand and seal evidencing such satisfaction, which shall be recorded. in the recorder's office of the proper county, which recording shall be paid for by the party so satisfying said judgment or decree.

$20. If such decree or judgment shall not be satisfied, as aforesaid, any decree or judgment creditor, his executors, administrators or assigns may, after the expiration of twelve months and within fifteen months after the date of said certificate, redeem the said real estate in the following manner: Such creditor, his executors, administrators or assigns may sue out an execution upon his judgment or decree, and place

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