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Crossing the line separating Indiana and Illinois sometimes means dealing with different laws and customs. Readers are asked to share ideas for this weekly feature. This week: Gun loans.

Illinois generally is known for having more restrictions than Indiana on who is permitted to carry a gun and where people with firearms are allowed to go.

But, for six more weeks, Indiana will have on its books a law tougher than anything in Illinois pertaining to how handguns may be used.

It currently is a Class B misdemeanor in Indiana — punishable by up to six months in jail and a $1,000 fine — for a bank, pawn shop or individual to make a loan that's secured by the mortgage, deposit or pledge of a handgun.

Senate Enrolled Act 13, a new Indiana law that takes effect July 1, repeals that restriction.

According to the nonpartisan Legislative Services Agency, no Hoosier in recent years has been convicted, or even charged, under the soon-to-be-eliminated statute.

A similar ban on using handguns to secure loans does not exist in Illinois.

However, many Illinois pawn shops choose not to provide short-term loans with handguns as collateral due to federal firearms licensing requirements.

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