KING v. FIRST CAPITAL FINANCIAL SERVICES

Nos. 97263, 97761.

828 N.E.2d 1155 (2005)

215 Ill.2d 1

293 Ill.Dec. 657

Willard J. KING, Jr., et al., Appellants, v. FIRST CAPITAL FINANCIAL SERVICES CORPORATION, d/b/a FCF Funding, Appellee. Ricky Jenkins et al., Appellants, v. Concorde Acceptance Corporation et al., Appellees.

Supreme Court of Illinois.

April 21, 2005.


Attorney(s) appearing for the Case

Daniel A. Edelman, Cathleen M. Combs, James O. Latturner and Danita Ivory, of Edelman, Combs, Latturner & Goodwin, L.L.C., Chicago, for appellants in Nos. 97263, 97761.

Steven A. Levy and Brian D. Fagel, of Goldberg, Kohn, Bell, Black, Rosenbloom & Moritz, Ltd., Chicago, and Richard A. Davidson, of Lane & Waterman, Davenport, Iowa, for appellee in No. 97263.

Terrence J. Lavin, Mary T. McDermott and Melinda J. Bentley, Springfield, for amicus curiae Illinois State Bar Association in No. 97263.

Thomas M. Gordon, Washington, D.C., for amicus curiae HALT, Inc. in Nos. 97263, 97761.

Craig A. Varga and Joshua Davidson, of Varga, Berger, Ledsky, Hayes & Casey, Chicago, for amici curiae Illinois Bankers Association et al in Nos. 97263, 97761.

Julie L. Williams, Daniel P. Stipano, Horace G. Sneed, Ernest C. Barrett III, and Christopher G. Sablich, Washington, D.C., for amicus curiae the Office of the Comptroller of the Currency in Nos. 97263, 97761.

P. Stacy Powers, Chicago, and John E. Bowman, Thomas J. Segal and Elizabeth R. Moore, Washington, D.C., for amicus curiae the Office of Thrift Supervision in Nos. 97263, 97761.

Mark B. Blocker and Robert N. Hochman, of Sidley, Austin, Brown & Wood, L.L.P., Chicago, for appellee ABN/AMRO Mortgage Group, Inc. in No. 97761.

James P. Ziegler, of Stone, Pogrund & Korey, Chicago, for appellees Smith-Roth-child Financial Co. and Harbor Financial Group, Ltd. in No. 97761.

David M. Schultz and Timothy G. Shelton, of Hinshaw & Culbertson, Chicago, for appellees Alliance Financing Mortgage Corporation and American Fidelity Mortgage Services, Inc. in No. 97761.

Richard L. Fenton and Lisa M. Lilly, of Sonnenschein, Nath & Rosenthal, Chicago, for appellee American Home Mortgage Corporation in No. 97761.

Mark S. Bernstein and Peter B. Jurgeleit, of Barack, Ferrazzano, Kirschbaum, Perlman & Nagelberg, L.L.C., Chicago, for appellee Central Illinois Bank & Mortgage Services, Inc. in No. 97761.

David P. Sanders, Matthew M. Neumeier, Michael T. Brody and Jennifer L. Vance, of Jenner & Block, L.L.C., Chicago, for appellees Charter One Bank FSB et al. in No. 97761.

LeAnn Pedersen Pope and Jay S. Dobrutsky, of Burke, Warren, MacKay & Serritella, P.C., Chicago, for appellee Chase Manhattan Mortgage Corporation in No. 97761.

Scott C. Solberg, of Eimer, Stahl, Klevorn & Solberg, Chicago, for appellee Chicago United Mortgage Company in No. 97761.

Michele Odorizzi, Lucia Nale, Victoria R. Collado, Linda T. Coberly and Jennifer Rakstad, of Mayer, Brown, Rowe & Maw, L.L.P., Chicago, for appellee Citibank F.S.G. et al. in No. 97761.

Steven P. Handler and Benson K. Friedman, of McDermott, Will & Emery, Chicago, for appellee Cole Taylor Bank in No. 97761.

Raymond J. Ostler and John J. Lydon, of Gomberg, Sharfman, Gold & Ostler, P.C., Chicago, for appellees Comcor Mortgage Corporation et al. in No. 97761.

David W. Inlander and Ronald D. Menna, Jr., of Fischel & Kahn, Ltd., Chicago, for appellee Concorde Acceptance Corporation in No. 97761.

Linda B. Dubnow, of McGuire Woods, L.L.P., and Howard L. Teplinsky, of Seidler & McErlean, Chicago, and Thomas M. Hefferon, of Goodwin Procter, L.L.P., Washington, D.C., for appellee Countrywide Home Loans, Inc. in No. 97761.

Daniel E. Compton, of Brittain & Ketcham, P.C., Elgin, for appellee Elgin Financial Savings Bank in No. 97761.

Konstantinos Armiros, of Arnstein & Lehr, Chicago, for appellee First Union Mortgage Corporation in No. 97761.

Sallie G. Smylie, James J. Boland and Stacey L. Robinson, of Kirkland and Ellis, Chicago, for appellee GMAC Mortgage Corporation in No. 97761.

James V. Noonan, of Noonan & Lieberman, Chicago (Michael J. Weik, of counsel), for appellee Mortgage Lenders Network in No. 97761.

Marta A. Stein, of McGuire Woods, L.L.P., Chicago, and William K. Holmes and Molly E. McFarlane, of Warner, Norcross & Judd, Grand Rapids, Michigan, for appellee Old Kent Mortgage Company in No. 97761.

Dianne E. Rist and S. Todd Sipe, of Chapman & Cutler, Chicago, for appellee RBC Mortgage Company in No. 97761.

Frank J. Saibert and James R. Pittacora, of Ungaretti & Harris, Chicago, for appellee Ryland Mortgage Company in No. 97761.

J. Steven Butkus, John J. Pcolinski, Jr., and Mark J. Carroll, of Guerard, Kalina & Butkus, Wheaton, for appellee Tamayo Financial Services, Inc. in No. 97761.

Michael A. Kraft, Oak Brook, for appellee United Financial Mortgage Corporation in No. 97761.

David B. Goroff and Miki Vucic, of Foley & Lardner, Chicago, for appellee World Savings Bank FSB in No. 97761.


Justice GARMAN delivered the opinion of the court:

In these consolidated appeals from Cook County and Rock Island County, plaintiff mortgagors brought actions against defendant mortgagees alleging that defendants had engaged in the unauthorized practice of law. Plaintiffs alleged that defendants had prepared notes, mortgages, and other documents in connection with plaintiffs' mortgage loan transactions and had unlawfully charged plaintiffs fees for those services...

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