Had the General Assembly intended the STLA to be the sole authority for issuing payday-style loans, it could have defined short-term loan more broadly. [Ohio Neighborhood Finance] is not licensed under the STLA and is, therefore, not entitled to make short-term loans pursuant to the STLA, Justice French wrote. But the loan here was not an STLA loan; it is undisputed that the STLA would not permit the subject loan, because traverse city cash advance terms contravene the STLAs requirements regarding the loan term, interest, and fees.
Because [the lender] did not issue a loan made pursuant to [the STLA], the loan does not qualify as a short-term loan subject to the requirements of the STLA. Nothing in the STLA limits the authority of MLA registrants to make MLA loans. Justice Frenchs opinion was joined by all of the justices. Justices Paul E. Pfeifer also wrote a concurring opinion.
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