State disciplines licensed businesses, individuals

State disciplines licensed businesses, individuals

SPRINGFIELD — The Illinois Department of Professional Regulation has announced a large number of disciplinary actions regarding businesses and individuals in East Central Illinois.

CONSUMER CREDIT

— Americash Loans, LLC, Champaign, fined $10,000. Lender engaged in unfair, deceptive or fraudulent practices in the making or collecting of a payday loan.

— Cottonwood Financial Illinois, LLC, Mattoon, fined $3,000. Lender made a title-secured loan with a scheduled monthly payment exceeding 50 percent of the obligor's gross monthly income.

— Courtesy Loans of Illinois, LLC, Mattoon, fined $15,250. Lender refinanced small consumer loan within 75 days from the date of the loan. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— Illinois Title Loans, Inc., Danville, fined $1,750. Lender did not input accurate information into the database to determine if the obligor was eligible for a loan. Official income documentation is not the required type for a payday loan or was not for income for the 30 days preceding the loan.

— Midwest Title Loans, Inc., Champaign, fined $7,000. Lender did not input accurate information into the database to determine if the obligor was eligible for a loan.

— Midwest Title Loans, Inc., Champaign, fined $11,000. Lender did not input accurate information into the database to determine if the obligor was eligible for a loan. Lender did not obtain any official documentation of the borrower's income before making a payday or title-secured loan.

— QC Financial Services, Inc., Danville, fined $4,000. Lender made and installment payday loan exceeding 22.5 percent of the obligor's gross monthly income or Lender made a payday loan exceeding 25 percent of the obligor's gross monthly income. Installment Payday loan is not fully amortized or is not repayable in substantially equal and consecutive installments.

— SFC of Illinois, L.P., Champaign, fined $8,000. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— SFC of Illinois, L.P., Danville, fined $2,000. Licensee did not properly update the state database with the required information within 90 days of when the events occurred.

— SFC of Illinois, L.P., Mattoon, fined $4,250. Lender refinanced small consumer loan within 75 days from the date of the loan. Lender made a small consumer loan to a consumer for which the total of all payments to be made in any month on the loan exceeds 22.5 percent of the consumer's gross monthly income. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— SFC of Illinois, L.P., Charleston, fined $2,250. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— TitleMax of Illinois, Inc., Champaign, fined $2,000. Lender made a title-secured loan with a scheduled monthly payment exceeding 50 percent of the obligor's gross monthly income. Lender did not obtain any official documentation of the borrower's income before making a payday or title-secured loan.

— World Finance Corporation of Illinois, Shelbyville, fined $3,000. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— World Finance Corporation of Illinois, Champaign, fined $6,000. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

— World Finance Corporation of Illinois, Urbana, fined $1,000. Lender did not accurately input borrower's gross monthly income

into the database for a small consumer loan.

— World Finance Corporation of Illinois, Urbana, fined $10,000. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan.

File does not contain evidence of a contract signed or acknowledged by the borrower.

APPRAISER

— Linda Baldwin, Champaign, certified residential real estate appraiser license, must complete coursework after producing two appraisal reports in 2012 that contained significant errors and could be considered misleading.

BARBER, COSMETOLOGY, ESTHETICS AND NAIL TECHNOLOGY

— Jaclynn Judd, Shelbyville, esthetician license reprimanded with coursework and fined $195 for failing to complete continuing education requirement for renewal.

DENTAL

— Scot Brewer, Mahomet, placed on indefinite probation for a minimum of two years and fined $5,000 for failure to diagnose extensive teeth decay.

HOME INSPECTOR

— Terry Downing, Bismarck, ordered to cease and desist the unlicensed practice as a home inspector.

NURSING

— Eliza Baugher, St. Joseph, registered nurse license placed in refuse to renew status for being more than 30 days delinquent in the payment of child support.

— Erin Hanley, Mattoon, registered nurse license placed on indefinite probation with work restrictions for a minimum of three years due to diversion and dependence on opiates that is in full remission.

— George Hills, Kempton, registered nurse license placed in refuse to renew status for failure to submit to a mandatory screen following allegations of diversion of controlled substances from a facility

PHYSICAL THERAPY

— Monty Fink, Monticello, physical therapy assistant license and athletic trainer license permanently revoked for conviction of a criminal act that requires registration under the Sex Offender Registration Act.

ROOFING CONTRACTORS

— M. Wilson Builders Inc., Paris, roofing contractor license placed on probation for two years and fined $2,500 based on unprofessional conduct.

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