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' ' ` ` I <br /> Section 7-1. The following definitions are applicable only <br /> as said words or phrases are used in this Article: <br /> A. "Credit card" .has the meaning set forth in Section 2 . 03 <br />' of the Illinois Credit Card Act. I <br /> B. "Financial institution" means any bank, credit union, <br /> insurance company, mortgage banking company or savings and loan I <br /> association which operates or has a place of business in the City I <br /> of Decatur. I <br /> C. "Loan" includes, but is not limited to, the providing of ' <br /> funds, for consideration, which are sought for: (1) the purpose I <br /> of purchasing, constructing, improving, repairing or maintaining I <br /> a housing accommodation as that term is defined in Section ', <br /> 8-1 (C) ; or (2) any commercial or industrial purposes. I <br /> D. "Varying terms" includes, but is not limited to, the <br /> following practices: <br /> (1) Requiring a greater down payment than is usual <br /> for the particular type of a loan involved. <br /> (2) Requiring a shorter period of amortization <br /> than is usual for the particular type of loan involved. <br /> (3) Charging a higher interest rate than is usual <br /> for the particular type of loan involved. <br /> (4) An under appraisal of real estate or other <br /> item of property offered as security. <br /> Section 7-2 . It shall be a human rights violation for any <br /> financial institution, on the grounds of unlawful discrimination, <br /> to: <br /> A. Deny any person any of the services normally offered by <br /> such an institution. <br /> B. Provide any person with any service which is different <br /> from, or provided in a different manner than, that which is <br /> provided to other persons similarly situated. <br /> C. Deny or vary the terms of a loan. <br /> D. Deny or vary the terms of a loan on the basis that a <br /> specific parcel of real estate offered as security is located in <br /> a specific geographical area. <br /> E. Deny or vary the terms of a loan without having <br /> considered all of the regular and dependable income of each <br /> 16 <br />