Cal. Civ. Code § 3-102.10
Third-party loan modification service provider. (A) It is a civil rights violation for a third-party loan modification service provider, because of unlawful discrimination, familial status, immigration status, source of income, or an arrest record, to: (1) refuse to engage in loan modification services; (2) alter the terms, conditions, or privileges of such services; or(3) discriminate in making such services available, including, but not limited to, by making a statement, advertisement, representation, inquiry, listing, offer, or solicitation that indicates a preference or the intention to make such a preference in making such services available.(B) For purposes of this Section, "third-party loan modification service provider" means a person or entity, whether licensed or not, who, for or with the expectation of receiving consideration, provides assistance or services to a loan borrower to obtain a modification to a term of an existing real estate loan or to obtain foreclosure relief. "Third-party loan modification service provider" does not include lenders, brokers or appraisers of mortgage loans, or the servicers, subsidiaries, affiliates, or agents of the lender
Operative Text
Third-party loan modification service provider. (A) It is a civil rights violation for a third-party loan modification service provider, because of unlawful discrimination, familial status, immigration status, source of income, or an arrest record, to: (1) refuse to engage in loan modification services; (2) alter the terms, conditions, or privileges of such services; or(3) discriminate in making such services available, including, but not limited to, by making a statement, advertisement, representation, inquiry, listing, offer, or solicitation that indicates a preference or the intention to make such a preference in making such services available.(B) For purposes of this Section, "third-party loan modification service provider" means a person or entity, whether licensed or not, who, for or with the expectation of receiving consideration, provides assistance or services to a loan borrower to obtain a modification to a term of an existing real estate loan or to obtain foreclosure relief. "Third-party loan modification service provider" does not include lenders, brokers or appraisers of mortgage loans, or the servicers, subsidiaries, affiliates, or agents of the lender.
Under 775 Ill. Comp. Stat. 5 § 3-102.10, third-party loan modification service providers — those who help borrowers renegotiate real estate loan terms or seek foreclosure relief in exchange for compensation — are prohibited from discriminating on the basis of familial status, immigration status, source of income, or arrest record. The rule covers a wide range of conduct, from outright refusal of services to altering service terms or publishing communications that signal discriminatory preferences. Notably, the provision applies to any such provider regardless of whether they hold a professional license, but it does not extend to the original lenders, their servicers, affiliates, or agents.
Plain English — not legal advice.
Property owners and managers who also operate or refer clients to third-party loan modification services should be aware that 775 Ill. Comp. Stat. 5 § 3-102.10 classifies discriminatory conduct in that context as a civil rights violation. Compliant operators in this space generally ensure that service availability, pricing, and communications are applied uniformly without regard to a client's familial status, immigration status, source of income, or arrest record. Reviewing marketing materials, intake procedures, and referral practices against the protected categories listed in this provision is a common compliance step for those offering or facilitating such services.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
If you have sought help from a third-party loan modification service provider and believe you were refused, given different terms, or encountered discriminatory communications because of your familial status, immigration status, source of income, or arrest record, 775 Ill. Comp. Stat. 5 § 3-102.10 identifies that conduct as a civil rights violation. Potential enforcement paths include filing a complaint with the Illinois Department of Human Rights, raising the violation in relevant legal proceedings, or reaching out to a tenant-rights or housing-counseling organization for general guidance. Keeping records of any communications, advertisements, or statements from the provider can be useful when documenting a potential violation.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 18, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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