http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic2007-07-03T18:18:22.618Zajiissacajiissac@gmail.com481http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cn6ca2007-07-03T18:18:22.618Z_cokwr: Legal Status, _cpzh4: Citation, loanterms: Maximum Loan Amount, _chk2m: Loan Term, _ciyn3: Maximum Finance Rate and Fees, _ckd7g: Finance Charge for 14-day $100 loan, _clrrx: APR for 14-day $100 loan, debtlimits: Maximum Number of Outstanding Loans at One Time:, _cztg3: Rollovers Permitted:, _d180g: Cooling-off Period:, _d2mkx: Repayment Plan:, collectionlimits: Collection Fees, _cu76f: Criminal Actionhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cokwr2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Alaska Statute 06.50, loanterms: $500, _chk2m: Min 14 days, _ciyn3: $ 5 + the lesser of $ 15per $ 100 or 15%, _ckd7g: $20, _clrrx: 520%, debtlimits: Not Specified, _cztg3: Two (renewals), _d2mkx: yes, collectionlimits: $30 NSF fee; Court costs of up to 700 over the amount of payment (if disclosed in loan agreement), _cu76f: Prohibited (Unless check returned due to closed amount)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cpzh42007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Ala. Code § 5-18A-1 et seq., loanterms: $500, _chk2m: 10-31 days, _ciyn3: 17.50%; 3%/month after default, _ckd7g: $17.50, _clrrx: 456.25%, debtlimits: None (max $ amount of loans at one time: $500), _cztg3: One (rollover), _d180g: Next business day after 2 continuous loans repaid, _d2mkx: Yes, collectionlimits: One $30 NSF fee; Court Costs; Reasonable Attorney's Fees up to 15% of face amount of check, _cu76f: Prohibited (Unless check returned due to closed account)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cre1l2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: Ark. Code. Ann. § 23-52-101 et seq.; Ark. Const. art. 19, § 13, loanterms: $400, _chk2m: 6-31 days, _ciyn3: 10% of check + $10; $5 ID card, _ckd7g: $22.22, _clrrx: 579%, debtlimits: One per location, _cztg3: None (cannot renew or consolidate), collectionlimits: NSF fee; Court Costs; Reasonable Attorney's Fees, _cu76f: Prohibited (Unless check returned due to closed account or stop-payment by maker)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/chk2m2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Ariz. Rev. Stat. Ann. § 6-1251 et seq., loanterms: $500, _chk2m: Min: 5 days, _ciyn3: 15% of check, _ckd7g: $17.65, _clrrx: 459%, debtlimits: One, _cztg3: Three (extensions), collectionlimits: $25 NSF fee + actual charges assessed by the financial institution, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ciyn32007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Cal. Fin. Code §§ 23000 to 23106, loanterms: $300, _chk2m: Max: 31 days, _ciyn3: 15% of check, _ckd7g: $17.65, _clrrx: 459%, debtlimits: One, _cztg3: None (cannot charge fee for extension), _d180g: None, _d2mkx: Voluntary (no fees may be charged in conjunction with payment plan), collectionlimits: $15 NSF fee, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ckd7g2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Colo. Rev. Stats. § 5-3.1-101 et seq., loanterms: $500, _chk2m: Max: 40 days, _ciyn3: 20%: $0-$300 + 7.5%: $301-$500, _ckd7g: $20, _clrrx: 520%, debtlimits: One, _cztg3: One (renewal), collectionlimits: One $25 NSF fee; Court Costs; Reasonable Attorney's Fees not to exceed loan amount, _cu76f: Prohibited (Unless the consumer's account was closed before the agreed upon negotiation date)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/clrrx2007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Usury act applies or small loan act applies. Conn. Gen. Stat.§ 36a-563http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cyevm2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: D.C. Code Ann. § 26-301 et seq., loanterms: $1000, _chk2m: Max: 31 days, _ciyn3: 10% of face amount + fee of $5: $0- $250; $10: $251-$500; $15: $501- $750; $20:$751-$1000, _ckd7g: $16.10, _clrrx: 419%, debtlimits: Not Specified, _cztg3: Not Specified, collectionlimits: Not Specified, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cztg32007-07-03T18:18:22.618Z_cokwr: Permitted under small loan act or licensing law - Legal, _cpzh4: Del. Code Ann. tit. 5 § 2227 et seq.; Del. Code. Ann. tit. 5 § 2744, loanterms: $500, _chk2m: Max: 60 days, _ciyn3: Not Specified, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: Not Specified ($1000 aggregate loans outstanding to all licensees), _cztg3: Four (rollovers)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d180g2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Fl. Stat. Ann. § 560.401 et seq.; Rule 69V-560.901-912, loanterms: $500, _chk2m: 7-31 days, _ciyn3: 10% + verification fee, _ckd7g: $15, _clrrx: 390%, debtlimits: One, _cztg3: None (cannot rollover), _d180g: 24 hours, _d2mkx: Yes, collectionlimits: All charges imposed on the lender by any financial institution; lender not entitled to treble damages, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d2mkx2007-07-03T18:18:22.618Z_cokwr: Legal (Lender must have a small loan endorsement to their check casher license in order to make payday loans), _cpzh4: Wash. Rev. Code § 31.45.010 et seq., loanterms: $700, _chk2m: Max: 45 days, _ciyn3: 15%: first $500; 10%: remaining portion of the loan in excess of $500 up to the $700 maximum, _ckd7g: $15, _clrrx: 390%, debtlimits: A company cannot hold a check or checks in an aggregate face amount of more than $700 plus allowable fees from any one borrower at any one time., _cztg3: None (cannot repay loan with proceeds of another), _d2mkx: A company and a borrower may voluntarily enter a payment plan at any time. A borrower, however, has a right to convert a small loan to a statutory payment plan after four successive loans and prior to default on the last loan., collectionlimits: $25 NSF fee (one time per instrument); collection costs (excluding attorney's fees, interest and damages), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cssly2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Montana Code Ann. § 31-7-701, loanterms: $300, _chk2m: Max: 31 days, _ciyn3: 25%, _ckd7g: $25, _clrrx: 650%, debtlimits: Two, _cztg3: None (cannot renew, repay, or refinance), collectionlimits: One $30 NSF fee; Court Costs; Reasonable Attorney's Fees if disclosed, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cu76f2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: N.D. Cent. Code § 13-08-01 et seq. as amended by 2005 N.D. Laws Ch. 127 (H.B. 1321), loanterms: $500, _chk2m: Max: 60 days, _ciyn3: 20% + databasing fee, _ckd7g: $20, _clrrx: 520%, debtlimits: Not Specified ($600 aggregate loans outstanding to all licensees), _cztg3: One (renewal fee not to exceed 20% of amount being renewed), _d180g: 3 days, collectionlimits: $20 NSF fee (if disclosed), _cu76f: Prohibited (Unless account was closed on date of original transaction)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cvlqs2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Minn. Stat. Ann. § 47.60, loanterms: $350, _chk2m: Max: 30 days, _ciyn3: $5.50: $0-$50; 10%+$5: $51-$100; 7% (min. $10) + $5: $101-$250; 6% (min. $17.50) + $5: $251-$350 (After default: 2.75% per month), _ckd7g: $15, _clrrx: 390%, debtlimits: Not Specified, _cztg3: None (cannot repay with proceeds of another loan by same lender), collectionlimits: $30 NSF feehttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/cx0b92007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Wis. Stat. § 138.09, loanterms: Not Specified, _chk2m: Not Specified, _ciyn3: No Limit, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: No Limit, _cztg3: Not Specified, collectionlimits: $15 NSF fee if check returned due to no account open at bank, insufficient funds or insufficient credit. Check presentment limit: two times., _cu76f: Prohibited (per Wisconsin worthless check law, a check given to secure a loan isn't "worthless")http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d9ney2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Public Act 244 of 2005, loanterms: $600, _chk2m: Max: 31 days, _ciyn3: 15% of first $100, 14% of second $100, 13% of third $100, 12% of fourth $100, 11% of fifth $100, 11% of sixth $100 + any database verification fee, _ckd7g: $15, _clrrx: 390%, debtlimits: One with licensee or more than one with any other licensee, _cztg3: None (cannot renew; lender may extend only if it does not charge a fee), _d2mkx: Yes, collectionlimits: One $25 returned check charge, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/db1zf2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 54 Or. Rev. Stat. Ann. § 725.600 et seq., loanterms: Not Specified, _chk2m: Max: 60 days, _ciyn3: Not Specified, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: One, _cztg3: Three (renewals), _d180g: 1 day if lender has renewed previous payday loan 3 times, collectionlimits: One $25 NSF fee + additional bank charges, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dcgjs2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Idaho Code Ann. § 28-46-401 et seq., loanterms: $1000, _chk2m: Not Specified, _ciyn3: Not Specified, _clrrx: No Limit, debtlimits: Not Specified ($1000 aggregate loans outstanding to all licensees), _cztg3: Three (renewals), collectionlimits: $20 NSF fee + 12% interest per annum on unpaid amount (if disclosed ), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ddv492007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Wy. Stat. 40-14-362 et seq., loanterms: Not Specified, _chk2m: Not Specified, _ciyn3: the greater of 20% or $30, _ckd7g: $30, _clrrx: 780%, debtlimits: Not Specified, _cztg3: None (cannot repay, refinance or consolidate by proceeds of another check), _cu76f: Prohibited (Prior to date on instrument)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d415a2007-07-03T18:18:22.618Z_cokwr: Permitted under small loan act or licensing law, _cpzh4: S.D. Codified Laws § 54-4-36 et seq., loanterms: $500, _chk2m: Not Specified, _ciyn3: Not Specified, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: Not Specified, _cztg3: Four (licensee can renew, rollover or flip loan if debtor pays outstanding fee each time), collectionlimits: Not Specified, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d5fpr2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 2 Iowa Code Ann. § 533D et seq., loanterms: $500, _chk2m: Max: 31 days, _ciyn3: $15: $0-$100; $10 per $100 thereafter, _ckd7g: $16.67, _clrrx: 433%, debtlimits: Two, _cztg3: None (cannot repay, refinance or consolidate), collectionlimits: One $15 NSF fee (exclusive remedy), _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d6ua42007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 815 Ill. Comp. Stat. Ann. § 122/1-1, loanterms: lesser of $1000 or 25% gross monthly income, _chk2m: 13-45 days, _ciyn3: $15.50 per $100, _ckd7g: $15.50, _clrrx: 403%, debtlimits: Two, _cztg3: None (cannot rollover), _d180g: 7 days after 45 consecutive loan days, _d2mkx: Yes, collectionlimits: One $25 NSF fee (Presentment limit = 2), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/d88ul2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Ind. Code Ann. § 24-4.5-7-101 et seq., loanterms: $500 (not to exceed 15% of borrower's monthly gross income), _chk2m: Min: 14 days, _ciyn3: 15%: $0-$250; 13%: $251-$400; 10%: $401-$500, _ckd7g: $15, _clrrx: 390%, debtlimits: One per lender; Two total, _cztg3: None (cannot renew, repay, refinance or consolidate), _d180g: 7 days after 6 consecutive loans, _d2mkx: After 6 consecutive loans, lender must impose a 7 day cooling off period or convert to an installment loan payable in more than 4 installments at a rate no greater than 36% APR, collectionlimits: One $20 NSF fee; additional charges may apply when check or authorization to debit was used to defraud another, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dkvya2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: Ohio Rev. Code Ann. §§ 1315.35 et seq., loanterms: $800, _chk2m: Max: 6 months, _ciyn3: $10/$100 + 5% per month, _ckd7g: $15, _clrrx: 390%, debtlimits: One, _cztg3: None (cannot refinance), collectionlimits: Bank charges (if disclosed); $20 collection charge; Court Costs; damages, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dmair2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 2005 Nev. Stat. 414 (A.B. 384), loanterms: 25% of expected gross monthly income, _chk2m: Max: 60 days, _ciyn3: Not Specified (After default: interest rate must be equal to or less than the prime rate at the largest bank in the State of Nevada plus 10 %), _ckd7g: No Limit, _clrrx: No Limit, debtlimits: Not Specified, _cztg3: Not Specified (Lenders cannot extend payment period beyond 60 days after expiration of initial loan period), _d2mkx: Yes, collectionlimits: $25 dishonored check fee (max. two fees for insufficient funds; max. one fee for closed account) Court Costs; Reasonable Attorney's Fees; Service of process costs, _cu76f: Prohibited (Unless customer acted with criminal intent)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dnp342007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: Utah Code Ann. § 7-23-01 et seq., loanterms: No Limit, _chk2m: May not exceed 12 weeks, _ciyn3: No usury limit, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: No Limit, _cztg3: Not Specified (cannot extend or renew loan more than 12 weeks from original loan date), _d180g: None, collectionlimits: Not Specified, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dp3nl2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Kan. Stat. Ann. § 16a-2-404 as amended by 2005 Kansas Legis. 144 (eff. April, 2005), loanterms: $500, _chk2m: 7-30 days, _ciyn3: 15%, _ckd7g: $15, _clrrx: 390%, debtlimits: Two, _cztg3: Not Specified, collectionlimits: One NSF fee, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/df9om2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Mo. Stat. Ann. § 408.500 et seq.; Mo. Code Regs. Ann. Tit. 4 § 140-11.010 et seq., loanterms: $500, _chk2m: 14-31 days, _ciyn3: Not Specified (No borrower shall be required to pay a total amount of accumulated interest and fees in excess of 75% of the initial loan amount on any single authorized loan for the entire loan term and all authorized renewals. Otherwise, interest is set pursuant to small loan law which provides that parties may set rate by contract.), _ckd7g: $75, _clrrx: 1980%, debtlimits: Not Specified, _cztg3: Six (borrower must reduce principal amount of loan by 5% or more upon each renewal), collectionlimits: NSF fee; Collection costs (including court costs and reasonable attorney's fees) Licensee cannot use a series of ACH transactions to collect a single check., _cu76f: Prohibited (Unless check returned due to closed account or stop-payment by maker)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dgo932007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Okla. Stat. Ann. tit. 59 § 3101 et seq., loanterms: $500, _chk2m: 12-45 days, _ciyn3: $15 per $100: $0- $300; $10 per $100: $301-$500, _ckd7g: $15, _clrrx: 390%, debtlimits: Two, _cztg3: None (cannot renew; a loan made within 13 days after a previous one was entered into shall be considered a renewal and shall not be made), _d180g: Second business day after the 5th consecutive loan repaid, _d2mkx: Yes, collectionlimits: $25 NSF fee (if disclosed) unless dishonored due to theft or forgery, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/di2tg2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: N.M. Stat. Ann. § 58-15-1 et seq., loanterms: Not Specified, _chk2m: Not Specified, _ciyn3: No Limit, _ckd7g: No Limit, _clrrx: No Limit, debtlimits: No Limit, _cztg3: Not Specified, collectionlimits: Attorney's Fees, Court Costs, Filing Feeshttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/djhdx2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 7 Tex. Admin. Code § 1.605; Tex. Fin. Code Ann. §§ 342.251 et seq. and 342.601 et seq., _chk2m: 7-31 days, _ciyn3: $10 per loan + 48% annual interest, _ckd7g: $12, _clrrx: 309%, debtlimits: Not Specified ($500 aggregate loans outstanding to all licensees), _cztg3: None (if renewal charge is less than maximum interest rate permitted; otherwise convert to declining balance installment note), collectionlimits: Not Specified, _cu76f: Not Specifiedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dw4je2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: Miss. Code Ann. § 75-67-501 et seq., loanterms: $400, _chk2m: Max: 30 days, _ciyn3: 18% of check, _ckd7g: $22, _clrrx: 572%, debtlimits: Not Specified, _cztg3: None (cannot renew or otherwise extend), collectionlimits: NSF fee; Court-awarded fees (if disclosed), _cu76f: Prohibited (When check returned due to NSF)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dxj3v2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: S.C. Stat. Ann. 34-39-110 et seq., loanterms: $300, _chk2m: Max: 31 days, _ciyn3: 15%, _ckd7g: $15, _clrrx: 390%, debtlimits: Not Specified, _cztg3: None, collectionlimits: Lesser of: NSF fee of $10 or actual charge, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dyxo82007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: La. Stat. Ann. § 3578.1 et seq., loanterms: $350, _chk2m: 60 days, _ciyn3: $5 documentation fee + the greater of 16.75% of check or $45 (After default: months 1-12: 36% per year; months 13 and beyond: 18% per year), _ckd7g: $25, _clrrx: 650%, debtlimits: Not Specified, _cztg3: None (cannot renew or rollover but licensee may accept partial payment of 25% of amount advanced plus fees and enter into new loan), collectionlimits: One NSF fee of actual bank charge (if disclosed) + the greater of $25 or 5% of check (if disclosed); Court Costs; Reasonable Attorney's Fees, _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e0c8p2007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Industrial loan act applies. Ga. Code Ann.§ 7-3-14. Ga. Comp. R. & Regs. r. 80 § 3-1.02(7)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dqi9q2007-07-03T18:18:22.618Z_cokwr: Prohibited (N.C. Gen. Stat. § 53-281 authorizing payday loans allowed to sunset in 2001), _cpzh4: The consumer finance act applies. N.C. Gen. Stat. § 53-173http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/drwu72007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: Va. Code Ann. § 6.1-444 et seq., loanterms: $500, _chk2m: Min: 7 days, _ciyn3: 15%, _ckd7g: 15%, _clrrx: 390%, debtlimits: Not Specified, _cztg3: None (cannot refinance, renew, or extend), collectionlimits: $25 NSF fee; Court Costs; Reasonable Attorney's Fees (not to exceed $250), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dtbek2007-07-03T18:18:22.618Z_cokwr: Prohibited - Permitted for supervised lenders, _cpzh4: Maine's UCCC applies. 9-A Me.Rev.Stat.Ann. 2-401. Supervised Lenders are exempt from 32 M.R.S.A. 6138(4)(D) which prohibits a check casher from cashing or advancing any money on a postdated check.http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/dupz12007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Small loan act applies. Vt. Stat. Ann. tit. 9 § 41ahttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e7d2q2007-07-03T18:18:22.618Z_cokwr: Legal, _cpzh4: 36 N.H. Rev. Stat. Ann. § 399-A:1 et seq., loanterms: $500, _chk2m: 7-30 days, _ciyn3: Not Specified (After default: 6% per year), _ckd7g: No Limit, _clrrx: No Limit, debtlimits: Not Specified, _cztg3: None (cannot refinance, renew, extend; borrowers can renew to obtain additional cash but prior loan must be paid in full from proceeds of new loan and marked as such), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e8rn72007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law § 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law § 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code § 190.40.http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ea67k2007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Consumer loan act applies but rates as agreed to by contract. N.J. Stat. Ann. tit. 17,§ 1 et seq. However, criminal law sets the usury cap at 30%. N.J. Stat. Ann. § 2C: 21-19. A check cashing licensee cannot cash or advance money on a postdated check. N.J. Stat. Ann. § 17:15A-47.http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ebks12007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Consumer loan act applies. Md. Code Ann. Com. Law II § 12-301 et seq.http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e1qt22007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: 26 Hawaii Rev. Stat. Ann. § 480F-1 et seq., loanterms: $600, _chk2m: Max: 32 days, _ciyn3: 15% of check, _ckd7g: $17.65, _clrrx: 459%, debtlimits: One, _cztg3: None (cannot refinance or consolidate), collectionlimits: $20 NSF fee; Check Casher that accepts check passed on insufficient funds not entitled to recover damages, _cu76f: Prohibited (Unless check returned due to closed account or stop-payment by maker)http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e35dj2007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Check cashers are specifically prohibited from making payday loans under Check Cashing Licensing Act of 1998, § 505(a). Otherwise, consumer discount company act applies. 7 Pa. Cons. Stat. Ann. § 6201 et seq.http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e4jxw2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: Kentucky Rev. Stat. Ann. § 368.010 et seq., loanterms: $500, _chk2m: 14-60 days, _ciyn3: $15 per $100, _ckd7g: $17.65, _clrrx: 459%, debtlimits: wo ($500 aggregate loans outstanding to all licensees), _cztg3: None (cannot renew, rollover, or consolidate), _d180g: None, collectionlimits: One NSF fee (if disclosed), _cu76f: Prohibitedhttp://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e5yid2007-07-03T18:18:22.618Z_cokwr: Legal (Applies to check cashers only), _cpzh4: R.I. Stat. Ann. §§ 19-14.4-1 and 19-14.4-4 et seq. as amended by 2005 RI Laws 05-230 (05-H6-3A), loanterms: $500, _chk2m: Min: 13 days, _ciyn3: 15%, _ckd7g: $15, _clrrx: 390%, debtlimits: 3/$500, _cztg3: One (rollover), collectionlimits: Not Specified, _cu76f: Not Specified