Texas OCCC Payday Loan License Expires?

By | Dec 28, 2016

Texas OCCC Regulated Lender Licenses Expire at Midnight on 12/31/16. For those of us offering loans in Texas, here is a copy of the alert we received from the Texas OCCC: Good afternoon, This is a final reminder that regulated lender license renewal is now open online via ALECS and must be renewed by December […]


Payday Loans Australia

By | Oct 17, 2015

Payday Loans Australia Payday lending vacuum makes regulation difficult Marcus Banks, RMIT University and Ashton De Silva, RMIT University The Australian Government is reviewing two consumer credit markets that heavily impact on the lives of many low-income Australians – payday loans and consumer leases for household appliances and furniture. Among other matters, the review, triggered […]


Payday Loan Consumer Complaints are Too Low!

By | Oct 13, 2015

Payday Loan Complaints Too Low! Payday loan consumer complaints are too low to suit so-called consumer advocates and the CFPB Ok, here are the facts per the Utah Department of Financial Institutions 2014 Report (page 129): Non-Depository Lenders – there are 599 physical locations in Utah. A total of 53,777 deferred deposit loans were carried […]


Payday Loan Laws

By | Sep 8, 2015

Payday Loan Laws Payday Loan Interest-Rate Caps The following states have enacted laws that render payday loans void if they exceed the usury limit: Minnesota, which caps interest rates for (a) written loan contracts at 8% absent applicability of another statute, Minn. Stat. § 334.01, subdiv. 1; and (b) consumer short-term loans at 21.75% APR, or the total […]


Oregon Online Payday & Title Loans

By | Sep 7, 2015

Oregon-licensed payday and title lenders These payday/title lenders are licensed to do business in Oregon and follow Oregon laws. While most payday lenders operate out of stores, eight Oregon-licensed lenders offer online loans. Online lenders: 1st Money Center Inc. Hurst, Texas 1stmoneycenter.com CashNetUSA Chicago, Illinois cashnetusa.com Check Into Cash Cleveland, OH checkintocash.com Express Money Center […]


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