Illinois recently broadened the scope of the mortgage loan originator definition to include individuals engaged in loan modification activities on behalf of borrowers. Accordingly, individuals who, on behalf of a borrower, directly or indirectly offer or negotiate to adjust the terms of a residential mortgage loan in a manner not previously provided for in the original mortgage loan must be licensed as a mortgage loan originator. Importantly, this change does not apply to loan modification personnel employed by mortgage servicers as they are engaged in loan modification activities on behalf of the servicer, and not the consumer. This amendment is effective immediately.