reglab/housing_qa huggingface dataset:
810 ILCS 5/3-501
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-501)Sec. 3-501.     Presentment.(a) "Presentment" means a demand made by or on behalf of a person  entitled to enforce an instrument (i) to pay the instrument made to the  drawee or a party obliged to pay the instrument or, in the case of a note  or accepted draft payable at a bank, to the bank or (ii) to accept a draft  made to the drawee.(b) The following rules are subject to Article 4, agreement of the  parties, and clearing-house rules and the like:(1) Presentment may be made at the place of payment     of the instrument and must be made at the place of payment if the instrument is payable at a bank in the United States; may be made by any commercially reasonable means, including an oral, written, or electronic communication; is effective when the demand for payment or acceptance is received by the person to whom presentment is made; is effective if made to any one of 2 or more makers, acceptors, drawees or other payors.(2) Upon demand of the person to whom presentment is     made, the person making presentment must (i) exhibit the instrument, (ii) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and (iii) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made.(3) Without dishonoring the instrument, the party to     whom presentment is made may (i) return the instrument for lack of a necessary endorsement, or (ii) refuse payment or acceptance for failure of the presentment to comply with the terms of the instrument, an agreement of the parties, or other applicable law or rule.(4) The party to whom presentment is made may treat     presentment as occurring on the next business day after the day of presentment if the party to whom presentment is made has established a cut-off hour not earlier than 2 p.m. for the receipt and processing of instruments presented for payment or acceptance and presentment is made after the cut-off hour.   (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/3-503
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-503)Sec. 3-503.     Notice of dishonor.(a) The obligation of an indorser stated in Section 3-415(a)  and the obligation of a drawer stated in Section 3-414(d) may not be  enforced unless (i) the indorser or drawer is given notice of dishonor of  the instrument complying with this Section or (ii) notice of dishonor is  excused under Section 3-504(b).(b) Notice of dishonor may be given by any person; may be given by any  commercially reasonable means, including an oral, written, or electronic  communication; and is sufficient if it reasonably identifies the instrument  and indicates that the instrument has been dishonored or has not been paid or  accepted.  Return of an instrument given to a bank for collection is a  sufficient notice of dishonor.(c) Subject to Section 3-504(c), with respect to an instrument taken  for collection by a collecting bank, notice of dishonor must be given (i)  by the bank before midnight of the next banking day following the banking  day on which the bank receives notice of dishonor of the instrument, or  (ii) by any other person within 30 days following the day on which the  person receives notice of dishonor.  With respect to any other instrument,  notice of dishonor must be given within 30 days following the day on which  dishonor occurs.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/3-504
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-504)Sec. 3-504.     Excused presentment and notice of dishonor.(a) Presentment for payment or acceptance of an instrument is excused if  (i) the person entitled to present the instrument cannot with reasonable  diligence make presentment, (ii) the maker or acceptor has repudiated an  obligation to pay the instrument or is dead or in insolvency proceedings,  (iii) by the terms of the instrument presentment is not necessary to enforce  the obligation of indorsers or the drawer, (iv) the drawer or indorser whose  obligation is being enforced has waived presentment or otherwise has no reason  to expect or right to require that the instrument be paid or accepted, or  (v) the drawer instructed the drawee not to pay or accept the draft or the  drawee was not obligated to the drawer to pay the draft.(b) Notice of dishonor is excused if (i) by the terms of the instrument  notice of dishonor is not necessary to enforce the obligation of a party to  pay the instrument, or (ii) the party whose obligation is  being enforced waived notice of dishonor.  A waiver of presentment is also  a waiver of notice of dishonor.(c) Delay in giving notice of dishonor is excused if the delay was  caused by circumstances beyond the control of the person giving the notice  and the person giving the notice exercised reasonable diligence after the  cause of the delay ceased to operate.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/3-505
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-505)Sec. 3-505.     Evidence of dishonor.(a) The following are admissible as evidence and create a presumption of  dishonor and of any notice of dishonor stated:(1) a document regular in form as provided in     subsection (b) which purports to be a protest;(2) a purported stamp or writing of the drawee, payor     bank, or presenting bank on or accompanying the instrument stating that acceptance or payment has been refused unless reasons for the refusal are stated and the reasons are not consistent with dishonor;(3) a book or record of the drawee, payor bank, or     collecting bank, kept in the usual course of business which shows dishonor, even if there is no evidence of who made the entry.(b) A protest is a certificate of dishonor made by a United States  consul or vice consul, or a notary public or other person authorized to  administer oaths by the law of the place where dishonor occurs.  It may be  made upon information satisfactory to that person.  The protest must  identify the instrument and certify either that presentment has been made  or, if not made, the reason why it was not made, and that the instrument has  been dishonored by nonacceptance or nonpayment.  The protest may also  certify that notice of dishonor has been given to some or all parties.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/3-505A
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-505A)Sec. 3-505A.   Provision of credit card number as a condition of check  cashing or acceptance prohibited.(1) No person may record the number of a credit card given as  identification or given as proof of creditworthiness when payment for goods  or services is made by check or draft other than a transaction in which the  check or draft is issued in payment of the credit card designated by the  credit card number.(2) This Section shall not prohibit a person from requesting a purchaser  to display a credit card as indication of creditworthiness and financial  responsibility or as additional identification, but the only information  concerning a credit card which may be recorded is the type of credit card  so displayed and the issuer of the credit card.  This Section shall not  require acceptance of a check or draft whether or not a credit card is  presented.(3) This Section shall not prohibit a person from requesting or receiving  a credit card number or expiration date and recording the number or date,  or both, in lieu of a deposit to secure payment in the event of default,  loss, damage, or other occurrence.(4) This Section shall not prohibit a person from recording a credit card  number and expiration date as a condition for cashing or accepting a check  or draft if that person, firm, partnership or association has agreed with  the card issuer to cash or accept checks and share drafts from the issuer's  cardholders and the issuer guarantees cardholder checks and drafts cashed  or accepted by that person.(5) Recording a credit card number in connection with a sale of goods or  services in which the purchaser pays by check or draft, or in connection  with the acceptance of a check or draft, is a business offense with a fine  not to exceed $500.As used in this Section, credit card has the meaning as  defined in Section 17-0.5 of the Criminal Code of 2012.  (Source: P.A. 96-1551, eff. 7-1-11; 97-1150, eff. 1-25-13.)
810 ILCS 5/Art. 3 Pt. 6 heading
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 PART 6.      DISCHARGE AND PAYMENT
810 ILCS 5/3-601
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-601)Sec. 3-601.     Discharge and effect of discharge.(a) The obligation of a party to pay the instrument is discharged as  stated in this Article or by an act or agreement with the party which would  discharge an obligation to pay money under a simple contract.(b) Discharge of the obligation of a party is not effective against a  person acquiring rights of a holder in due course of the instrument without  notice of the discharge.    (Source: P.A. 87-582.)
810 ILCS 5/3-602
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-602)Sec. 3-602.     Payment.(a) Subject to subsection (b), an instrument is paid to the extent  payment is made (i) by or on behalf of a party obliged to pay the  instrument, and (ii) to a person entitled to enforce the instrument.  To  the extent of the payment, the obligation of the party obliged to pay the  instrument is discharged even though payment is made with knowledge of a  claim to the instrument under Section 3-306 by another person.(b) The obligation of a party to pay the instrument is not discharged  under subsection (a) if:(1) a claim to the instrument under Section 3-306 is     enforceable against the party receiving payment and (i) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or (ii) in the case of an instrument other than a cashier's check, teller's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument, or(2) the person making payment knows that the     instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.   (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/3-603
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-603)Sec. 3-603.     Tender of payment.(a) If tender of payment of an obligation to pay an instrument is made  to a person entitled to enforce the instrument, the effect of tender is  governed by principles of law applicable to tender of payment under a simple  contract.(b) If tender of payment of an obligation to pay an instrument is made  to a person entitled to enforce the instrument and the tender is refused,  there is discharge, to the extent of the amount of the tender, of the  obligation of an indorser or accommodation party having a right of recourse  with respect to the obligation to which the tender relates.(c) If tender of payment of an amount due on an instrument is made to  the person entitled to enforce the instrument, the obligation of the  obligor to pay interest after the due date on the amount tendered is  discharged.  If presentment is required with respect to an instrument and  the obligor is  able and ready to pay on the due date at every place of  payment stated in the instrument, the obligor is deemed to have made tender  of payment on the due date to the person entitled to enforce the instrument.    (Source: P.A. 87-582.)
810 ILCS 5/3-604
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 (from Ch. 26, par. 3-604)Sec. 3-604.     Discharge by cancellation or renunciation.(a) A person entitled to enforce an instrument, with or without  consideration, may discharge the obligation of a party to pay the instrument  (i) by an intentional voluntary act, such as surrender of the instrument to  the party, destruction, mutilation, or cancellation of the instrument,  cancellation or striking out of the party's signature, or the addition of  words to the instrument indicating discharge, or (ii) by agreeing not to  sue or otherwise renouncing rights against the party by a signed writing.(b) Cancellation or striking out of an indorsement pursuant to  subsection (a) does not affect the status and rights of a party derived  from the indorsement.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/Art. 3 Pt. 8 heading
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

 PART 8.      MISCELLANEOUS
810 ILCS 5/3-806
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 3 - Negotiable Instruments

(810 ILCS 5/3-806) (from Ch. 26, par. 3-806)Sec. 3-806.         Any person who issues a check or other draft that is not  honored upon presentment because the drawer does not have an account with  the drawee, or because the drawer does not have sufficient funds in his  account, or because the drawer does not have sufficient credit with the  drawee, shall be liable in the amount of $25, or for all costs and  expenses, including reasonable attorney's fees, incurred by any person in  connection with the collection of the amount for which the check or other  draft was written, whichever is greater, and shall be liable for interest  upon the amount of the check or other draft at the rate provided in  subsection (1) of Section 4 of the Interest Act.  Costs and expenses shall  include reasonable costs and expenses incurred in the nonlitigated  collection of the check or other draft.A person who undertakes a nonlitigated collection against the person who  issued a check or other draft that is not honored upon presentment shall  make a written demand by certified mail, return receipt requested, delivered  to the last known address of that person in order to become eligible for  any costs and expenses in excess of $25.  The written demand shall demand  payment within 30 days of the mailing of the demand and shall include  notice of liability for the costs and expenses.A fee or charge not to exceed $4.50 may be assessed to any person or  owner of a commercial checking account or other similar commercial account  where a check or other draft that is deposited into the account is  dishonored upon presentment because of insufficient funds or because the  drawer does not have an account with the drawee; provided, however, that,  the limitation on the fee or charge specified in this paragraph does not  apply to any fee or charge assessed to any bank or other depository  institution or to any non-commercial checking account or other similar  non-commercial account.    (Source: P.A. 87-582; 87-624.)
810 ILCS 5/Art. 4 heading
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 ARTICLE 4  BANK DEPOSITS AND COLLECTIONS
810 ILCS 5/Art. 4 Pt. 1 heading
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 PART 1.      GENERAL PROVISIONS AND DEFINITIONS
810 ILCS 5/4-101
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-101)Sec. 4-101.     Short title.     This Article may be cited as Uniform Commercial  Code--Bank Deposits and Collections.    (Source: P.A. 87-1135.)
810 ILCS 5/4-102
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-102)Sec. 4-102.     Applicability.(a) To the extent that items within this Article are also within Articles 3  and 8, they are subject to those Articles.  If there is conflict, this Article  governs Article 3, but Article 8 governs this Article.(b) The liability of a bank for action or non-action with respect to an  item handled by it for purpose of presentment, payment, or collection is  governed by the law of the place where the bank is located. In the case of  action or non-action by or at a branch or separate office of a bank, its  liability is governed by the law of the place where the branch or separate  office is located.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/4-103
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-103)Sec. 4-103.         Variation by agreement; measure of damages; action  constituting ordinary care.(a) The effect of the provisions of this Article may be varied by  agreement, but the parties to the agreement cannot disclaim a bank's  responsibility for its lack of good faith or failure to exercise  ordinary care or limit the measure of damages for the lack or failure.  However, the parties may determine by agreement the standards by which the  bank's responsibility is to be measured if those standards are not  manifestly unreasonable.(b) Federal Reserve regulations and operating circulars, clearing-house  rules, and the like have the effect of agreements under subsection (a),  whether or not specifically assented to by all parties interested in items  handled.(c) Action or non-action approved by this Article or pursuant to Federal  Reserve regulations or operating circulars is the exercise of  ordinary care and, in the absence of special instructions, action or  non-action consistent with clearing-house rules and the like or with a  general banking usage not disapproved by this Article, is prima  facie the exercise of ordinary care.(d) The specification or approval of certain procedures by this Article  is not disapproval of other procedures that may be reasonable  under the circumstances.(e) The measure of damages for failure to exercise ordinary care in  handling an item is the amount of the item reduced by an amount that could  not have been realized by the exercise of ordinary care. If there is also  bad faith it includes any other damages the party suffered as a proximate  consequence.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/4-105
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-105)Sec. 4-105.         "Bank"; "Depositary Bank"; "Payor Bank"; "Intermediary Bank";  "Collecting Bank"; "Presenting Bank".In this Article:(1) "Bank" means any person engaged in the business of banking,  including a savings bank, savings and loan association, credit union,  or trust company;(2) "Depositary bank" means the first bank to take an item even  though it is also the payor bank, unless the item is presented for  immediate payment over the counter;(3) "Payor bank" means a bank that is the drawee of a  draft;(4) "Intermediary bank" means a bank to which an item is  transferred in course of collection except the depositary or payor bank;(5) "Collecting bank" means a bank handling an item for collection except  the payor bank;(6) "Presenting bank" means a bank presenting an item except a  payor bank.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/4-106
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-106)Sec. 4-106.     Payable through or payable at bank; collecting bank.(a) If an item states that it is "payable through" a bank identified  in the item, (i) the item designates the bank as a collecting bank and does  not by itself authorize the bank to pay the item, and (ii) the item may be  presented for payment only by or through the bank.(b) If an item states that it is "payable at" a bank identified in the  item, (i) the item designates the bank as a collecting bank and does  not by itself authorize the bank to pay the item, and (ii) the item may be  presented for payment only by or through the bank.(c) If a draft names a nonbank drawee and it is unclear whether a bank  named in the draft is a co-drawee or a collecting bank, the bank is a  collecting bank.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/4-107
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-107)Sec. 4-107.     Separate office of bank.     A branch or separate office of a  bank is a separate bank for the purpose of computing the time within which  and determining the place at or to which action may be taken or notice or  orders must be given under this Article and under Article 3.    (Source: P.A. 87-582.)
810 ILCS 5/4-108
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-108)Sec. 4-108.     Time of receipt of items.(a) For the purpose of allowing time to process items, prove balances,  and make the necessary entries on its books to determine its position for  the day, a bank may fix an afternoon hour of 2:00 P.M. or later as a  cutoff hour for the handling of money and items and the making of entries  on its books.(b) An item or deposit of money received on any day after a cutoff  hour so fixed or after the close of the banking day may be treated as being  received at the opening of the next banking day.    (Source: P.A. 87-582; 87-1135.)
810 ILCS 5/4-109
2021 Illinois Compiled Statutes|Chapter 810 - COMMERCIAL CODE|810 ILCS 5/ - Uniform Commercial Code.|Article 4 - Bank Deposits And Collections

 (from Ch. 26, par. 4-109)Sec. 4-109.     Delays.(a) Unless otherwise instructed, a collecting bank in a good faith  effort to secure payment of a specific item drawn on a payor other than a  bank, and with or without the approval of any person involved, may waive,  modify, or extend time limits imposed or permitted by this Act for a period  not exceeding 2 additional banking days without discharge of drawers or  indorsers or liability to its transferor or a prior party.(b) Delay by a collecting bank or payor bank beyond time limits  prescribed or permitted by this Act or by instructions is excused if (i)  the delay is caused by interruption of communication or computer  facilities, suspension of payments by another bank, war, emergency  conditions, failure of equipment, or other circumstances beyond the control  of the bank, and (ii) the bank exercises such diligence as the circumstances  require.    (Source: P.A. 87-582.)