IL HB0272

Prohibits delivering unsolicited checks, negotiable instruments, credit cards, debit cards, or other payment forms to consumers that create repayment obligations with interest and fees upon negotiation.

Consumers are not liable for any debt or obligation arising from negotiating a payment form delivered in violation of this provision.

Exempts transactions where the consumer has previously submitted a credit application, requested a credit extension, or has an existing relationship with the sender.

Classifies violations as unlawful practices under the Consumer Fraud and Deceptive Business Practices Act.