The Illinois Department of Financial and Professional Regulation Wednesday issued a report on disciplinary actions taken during September.

The following individuals and businesses were reprimanded by the department:

Consumer Credit

* America's Financial Choice Inc., in Belleville, was fined $19,550 for the following violations: The loan contract does not state the interest rate, agreed upon by the licensee and the borrower, the licensee charges, contracts for, and receives upon the principle amount. Lender did not enter in the database that the borrower's loan was paid in full or canceled on the day that the transaction was made. Lender did not properly enter loan(s) into the database on the day made.

*America's Financial Choice Inc., in Granite City, was fined $41,100 for the following violations: Lender did not input accurate information into database to determine if the obligor was eligible for a loan. Lender did not enter into the database that the borrower's loan was paid in full or canceled on the day the transaction was made. Lender did not properly enter loan(s) into the database on the day made.

* Check Into Cash of Illinois LLC, in Granite City, was fined $2,250 for the following violations: Improper simple interest calculations. Official income documentation was not the required type for a payday loan or was not for income for the 30 days preceding the loan.

* Dollars Today Inc., of Wood River, was fined $1,450 for the following violations: Lender did not enter into the database that the borrower's loan was paid in full or canceled on the day the transaction was made. Lender does not have in one-inch type: "INTEREST-FREE REPAYMENT PLAN: If you still owe on one or more payday loans after 35 days, you are entitled to enter into a repayment plan. The repayment plan will give you at least 55 days to repay..." Official income documentation was not the required type for a payday loan or was not for income for the 30 days preceding the loan.

* Illinois Title Loans Inc., of Belleville, was fined $2,275 for the following violations: Original documents or approved equivalent not canceled or returned following payoff. Lender made a title-secured loan with a scheduled monthly payment exceeding 50 percent of the obligor's gross monthly income. Title-secured lender did not obtain borrower's most recent income documentation available at the time the loan was made. Lender didn't input accurate information into the database to determine if the obligor was eligible for a loan.

* Midwest Title Loan Inc., of Swansea, was fined $1,000 for the following violation: Title-secured lender did not obtain borrower's most recent income documentation available at the time the loan was made.

* Port Enterprises Ltd., of Belleville, was fined $3,600 for the following violations: Original documents or approved equivalent not canceled or returned following payoff. The lender did not provide the borrower with written verification of the cash proceeds of the loan on a title-secured loan or payday loan. Lender did not properly enter loan(s) into the database on the day made.

* SFC of Illinois LP, in Highland, was fined $3,000 for the following violations: Lender did not obtain any official documentation of the borrower's income before making a small consumer loan. Lender made a small consumer loan to a consumer for which the total of all payments to be made in any month on the loan exceeds 22.5 percent of the consumer's gross monthly income. Lender did not accurately input borrower's gross monthly income into the database for a small consumer loan.

* St. Louis Financial Group LLC, in Swansea, was fined $2,425 for the following violations: Original documents or approved equivalent not canceled or returned following payoff. Licensee has not made loan payable as agreed between lender and obligor in the loan agreement. Lender did not obtain any official documentation of the borrower's income before making a small consumer loan.

* State Finance Co., of Belleville, was fined $28,750 for the following violations: Interest or account handling charge rebate is insufficient. Lender did not input information into the database within 90 days after making a small consumer loan. The lender did not obtain borrower's most recent income documentation available at the time the loan was made.

* Sun Loan Company Illinois No. 2 Inc., in Alton, was fined $6,000 for the following violation: Lender did not obtain any official documentation of the borrower's income before making a small consumer loan.

* Swansea Quick Cash Inc., of Swansea, was fined $1,250 for the following violations: Lender made a title-secured loan with a scheduled monthly payment exceeding 50 percent of the obligor's gross monthly income. Title-secured lender did not obtain borrower's most recent income documentation available at the time the loan was made.

* Title Lenders Inc., of Granite City, was fined $6,075 for the following violations: Improper simple interest calculations. Original documents or approved equivalent, not canceled or returned following payoff. Lender did not obtain any official documentation of borrower's income before making a payday or title-secured loan.

* Title Loan Company Inc., in Fairview Heights, was fined $1,025 for the following violations: The first installment period is excessively longer than the remaining periods. Lender made a Installment Payday loan that resulted in the borrower having outstanding installment payday loan(s) more than 180 consecutive days.

* TitleMax of Illinois Inc., of Highland, was fined $3,150 for the following violations: The licensee is illegally taking the power of attorney. The licensee did not have receipts to document charges in connection with the sale of collateral.

* TitleMax of Illinois Inc., in Collinsville, was fined $7,450 for the following violations: Lender made a title-secured loan with a scheduled monthly payment exceeding 50 percent of the obligor's gross income. Licensee did not dispose of repossessed collateral in a commercially reasonable manner. Licensee did not properly update the state database with the required information on the day the transaction or event occurred.

* TitleMax of Illinois Inc., in Cahokia, was fined $2,275 for the following violations: The licensee is illegally taking the power of attorney. Original documents or approved equivalent not canceled or returned following payoff.

* World Finance Corp. of Illinois, in Highland, was fined $31,000 for the following violations: Lender did input information into database within 90 days after making a small consumer loan. Lender made a small consumer loan to a consumer for which the total of all payments to be made in any month on the loan exceeds 22.5 percent of the consumer's gross monthly income.

Detective, Alarm, Security, Fingerprint Vendor and Locksmith

* Kevin Guyton, of East St. Louis, has his permanent employee registration card placed in refuse to renew status for being more than 30 days delinquent in the payment of child support.

* Michael Heid, of Granite City, has his permanent employee registration card placed in refuse to renew status for being more than 30 days delinquent in the payment of child support.

* Michelle Marquis, of Granite City, has her permanent employee registration card placed in refuse to renew status for being more than 30 days delinquent in the payment of child support.

* Russell Pelly, of East St. Louis, has his permanent employee registration card placed in refuse to renew status for being more than 30 days delinquent in the payment of child support.

Medical

* Ajit Trikha, of Belleville, had his physician and surgeon license restored to indefinite probation for a minimum of five years and controlled substance license effective upon payment of fees, filing of forms, completion of required continuing educational and successful passage of SPEX.

Nursing

* Gale Seiffert, of Carlyle, had her registered nurse license reprimanded for failure to report termination.

* Debra Shiverdeck, of Waterloo, had her licensed practical nurse license fined $500 after being disciplined in 2009 by the Missouri State Board of Nursing and for failure to report the disciplinary action to the Department.

Nursing Home Administrator

*Kathleen Crawford, of Belleville, had her nursing home administrator license indefinitely suspended for a minimum of one year, followed by indefinite probation for a minimum of three years due to violations of the Nursing Home Care Act.