Justice French then addressed the question whether the STLA bars MLA lenders from making payday-type loans. She explained that, before its repeal in 2008, the Check Cashing Lender Law allowed lenders to make payday loans, which are usually unsecured short-term loans for small amounts that are to be repaid in full on the borrowers next payday. The STLA was enacted in its place in 2008 to in part deal with concerns about payday loans.
Justice French noted, however, that no loan providers are now registered under the STLA. Instead, lenders making payday loans in the state are mostly registered under the MLA or another loan act.
In its decision, personal loan transfer charges Ninth District ruled that the General Assembly intended, when it repealed the check-cashing law and passed the STLA, to bar any payday loans. Justice French pointed out that [p]ursuant to R. 1321. 36(A), no person may make a short-term loan to an Ohio borrower without first obtaining an STLA license, but R.
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If you have a bunch of bills coming due on Monday, but you cant pay them until your next paycheck on Friday, a payday loan looks like a good way to bridge the gap. However, in many cases, youd be better off just waiting until Friday and paying those bills late. Youll often personal loan transfer charges to pay a fee for it, but not always. For example, utilities such as the phone company and the electric company often accept late payments.
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