Illinois: For lenders licensed under the Illinois Residential Mortgage License Act of 1987, 205 Ill. Comp. Stat. §§635/1-1 et seq., 815 Ill. Comp. Stat. §205/4.1a states that a lender may charge the borrower for the costs and disbursements actually incurred in connection with a real estate loan for hazard, mortgage or life insurance premiums, title insurance, a title examination, survey, abstract and attorneys' fees, recording charges, escrow and appraisal fees and similar charges. The statute does not expressly address insurance tracking fees.

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