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The Seventh Circuit addressed this division in In Re Crane, where bankruptcy trustees, in two separate cases, argued that recorded mortgages that did not specifically state the interest rate and the maturity date were avoidable.
Nevertheless, the legislatures clarification (notwithstanding whether it was needed) of the Illinois Conveyance Act as to the necessary terms of Illinois mortgages reduced uncertainty in the law and eased the concerns of all Illinois mortgage lenders and their counsel.