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J A licensee may charge and receive check collection charges not greater than twenty dollars plus any amount passed on from other financial institutions for each check, negotiable order of withdrawal, share draft, or other negotiable instrument returned or dishonored for any reason. K If the loan contract so provides, a licensee may collect a default charge on any installment not paid in full within ten days after its due date.

For this purpose, all installments are considered paid in the order in which they become due. Any amounts applied to an outstanding loan balance as a result of voluntary release of a security interest, sale of security on the loan, or cancellation of insurance shall be considered payments on the loan, unless the parties otherwise agree in writing at the time the amounts are applied. The amount of the default charge shall not exceed the greater of five per cent of the scheduled installment or five dollars.

As an alternative to the interest permitted in division A of section Licensees under section A At the time any interest-bearing or precomputed loan is made, deliver to the borrower or, if there are two or more borrowers, to one of them, a statement in the English language disclosing in clear and distinct terms the amount and date of the loan, a schedule of payments or a description thereof, the type of the security, if any, for the loan, the name and address of the licensed office and of each borrower, and the agreed rate of interest, or in lieu thereof, a copy of the instrument evidencing the debt signed by the borrower;.

B For each payment made on account of any such interest-bearing or precomputed loan, give to the person making it a receipt if requested;. C Permit payment to be made in advance in any amount on any contract of loan at any time, but the licensee may apply the payment first to all interest and charges due up to the date of the payment;. D Upon repayment of the loan in full, mark plainly every obligation signed by any obligor, or a copy of the signed obligation, "paid" or "canceled" and return it and any pledge to the borrower or, if there are two or more borrowers, to one of them; provided that a continuing obligation in whole or in part is not repayment in full thereof.

No licensee shall take any note or promise to pay in which blanks are left to be filled in after execution. Any licensee or other person who willfully violates section The maximum rate of interest applicable to any loan transaction that does not comply with all provisions of section No licensee shall pledge or hypothecate any note or security given by any borrower except with a person residing or maintaining a place of business in this state or with a bank authorized to transact business in this state, under an agreement permitting the division of financial institutions to examine the papers so hypothecated.

The tender by the borrower, or at the borrower's request, of an amount equal to the unpaid balance less the required rebate on a precomputed loan shall be accepted by the licensee in full payment of the loan obligation.

A licensee shall not, directly or indirectly, make any payment, or cause to be made any payment, whether in cash or otherwise, to a dealer in tangible goods or services, or to a retail seller as defined in section This section does not prohibit bona fide advertising practices involving only the borrowers.

A A licensee shall not make a loan under sections B A licensee shall not engage in any act or practice to evade the requirement of division A of this section, including by assisting a borrower to obtain a loan on terms that would be prohibited by that division. C No licensee shall fail to comply with this section.

A No licensee shall knowingly induce or permit any person, jointly or severally, to be obligated, directly or contingently or both, under more than one contract of loan at the same time for the purpose or with the result of obtaining a higher rate of interest or greater charges than would otherwise be permitted upon a single loan made under sections B No licensee shall charge, contract for, or receive, directly or indirectly, interest and charges greater than such licensee would be permitted to charge, contract for, or receive without a license under sections C For the purpose of the limitations set forth in this section, the amount of any such indebtedness shall be determined by including the entire obligation of any person to the licensee for principal, direct or contingent or both, as borrower, indorser, guarantor, surety for, or otherwise, whether incurred or subsisting under one or more than one contract of loan, except that any contract of indorsement, guaranty, or suretyship that does not obligate the indorser, guarantor, or surety for any charges in excess of eight per cent per annum, is not included in such entire obligation.

If a licensee acquires, directly or indirectly, by purchase or discount, bona fide obligations for goods or services owed by the person who received such goods or services to the person who provided such goods or services, then the amount of such purchased or discounted indebtedness to the licensee shall not be included in computing the aggregate indebtedness of such borrower to the licensee for the purpose of the prohibitions set forth in this section. A A licensee may make open-end loans pursuant to an agreement between the licensee and the borrower whereby: For open-end loans, "billing cycle" means the time interval between periodic billing dates.

A billing cycle shall be considered monthly if the closing date of the cycle is the same date each month or does not vary by more than four days from such date. B Notwithstanding any other provisions of the Revised Code, a licensee may contract for and receive interest for open-end loans at a rate or rates not exceeding those provided in division A of section The monthly rates are determined by dividing the annual rates by twelve. The billing cycle shall be monthly and the unpaid balance on any day shall be determined by adding to any balance unpaid as of the beginning of that day all advances and permitted interest, charges, and costs and deducting all payments and other credits made or received that day.

C In addition to the interest permitted in division B of this section, a licensee may charge and receive or add to the unpaid balance any or all of the following: For this purpose, all required minimum payments are considered paid in the order in which they become due. The amount of the default charge shall not exceed the greater of five per cent of the required minimum payment or five dollars. D The borrower at any time may pay all or any part of the unpaid balance on the account or, if the account is not in default, the borrower may pay the unpaid balance in installments subject to minimum payment requirements as determined by the licensee and set forth in the open-end loan agreement.

E If credit life insurance or credit accident and health insurance is obtained by the licensee and if the insured dies or becomes disabled when there is an outstanding open-end loan indebtedness, the insurance shall be sufficient to pay the unpaid balance on the loan due on the date of the borrower's death in the case of credit life insurance or all minimum payments that become due on the loan during the covered period of disability in the case of credit accident and health insurance.

The additional charge for credit life insurance, credit accident and health insurance, or unemployment insurance shall be calculated each billing cycle by applying the current monthly premium rate for the insurance, filed by the insurer with the superintendent of insurance and not disapproved by the superintendent, to the unpaid balances in the borrower's account, using one of the methods specified in division B of this section for the calculation of interest.

No credit life insurance, credit accident and health insurance, or unemployment insurance written in connection with an open-end loan shall be canceled by the licensee because of delinquency of the borrower in making the required minimum payments on the loan unless one or more such payments is past due for a period of thirty days or more.

The licensee shall advance to the insurer the amounts required to keep the insurance in force during such period, which amounts may be debited to the borrower's account. F Whenever there is no unpaid balance in an open-end loan account, the account may be terminated by written notice, by the borrower or the licensee, to the other party. If a licensee has taken a security interest in personal property to secure the open-end loan, the licensee shall release the security interest and terminate any financing statement in accordance with section No loan made outside this state for which a greater rate of interest, consideration, or charges than is authorized by sections All loan contracts made with residents of this state are considered as made within this state and subject to the laws of this state, regardless of any statement in the contract or note to the contrary, except as to licensing if the lender is licensed under and in accordance with a regulatory loan law similar in principle to such sections.

A loan in an amount of five thousand dollars or less made to a borrower residing in this state at the time the loan is made by a lender whose office is located outside this state and whose primary business consists of making loans by mail is not enforceable in this state for a greater rate of interest, consideration, or charges than is authorized by sections In addition to any other remedy that may be available, any licensee and any person alleging to be aggrieved by an order or action of the division of financial institutions, within thirty days from the entry of the order complained of, or within sixty days of the action complained of if there is no order, may file a complaint against the superintendent of financial institutions in the court of common pleas of Franklin county.

Such complaint may pray for reversal, rescission, or modification of the order or action complained of, and for such other relief as may be appropriate, and it shall allege the facts relied upon to obtain any such relief.

When the complaint has been filed, summons forthwith shall be issued and shall be served upon the superintendent, either by personal service or by certified mail addressed to the superintendent's office in the department of commerce. The summons is returnable within five days from its date and in all other respects it is made as in civil actions. All allegations of the complaint shall be deemed denied without further pleading, and the court, upon application by either party, shall advance the cause and hear it without delay.

Mere technical irregularities in the procedure had before the division shall be disregarded, and the burden of proof is on the complainant to show that the division, in issuing the order or in taking the action complained of, exceeded or abused its discretion. Any party to the action may summon witnesses and compel their attendance as in any criminal action, and may introduce evidence in addition to that relied upon by the division.

An action under this section is a special proceeding and may be appealed by either party pursuant to the Rules of Appellate Procedure and, to the extent not in conflict with those rules, Chapter A Every person licensed or registered under this chapter shall pay to the superintendent of financial institutions, prior to the last day of June, an annual license or certificate of registration fee. On or about the fifteenth day of April of each year, the superintendent shall determine the license or certificate fees to be charged, pursuant to sections Such determination shall be made by dividing the appropriation for the consumer finance section of the division of financial institutions for the current fiscal year by the number of licenses and certificates issued as of the date of the computation.

In no event shall the amount of the fee exceed three hundred dollars, except that the maximum fee which may be charged insurance premium finance companies licensed under section Prior to the first day of June of each year, the superintendent shall inform each person licensed or registered under this chapter of the amount of the license or certificate fee for the succeeding fiscal year as determined by this section.

B 1 Each person licensed under Chapter However, in no event shall the amount of the fee exceed three hundred dollars. However, in no event shall the amount of the fee exceed six hundred dollars.

C The fee for a license or certificate issued pursuant to Chapter D If the renewal fees billed by the superintendent pursuant to divisions A and B of this section are less than the estimated expenditures of the consumer finance section of the division of financial institutions, as determined by the superintendent, for the following fiscal year, the superintendent may assess each person licensed pursuant to section Each person shall pay the assessed amount to the superintendent prior to the last day of June.

In no case shall the assessment exceed ten cents per each one hundred dollars of interest excluding charge-off recoveries , points, loan origination charges, and credit line charges collected by that person during the previous calendar year. If an assessment is imposed under this division, it shall not be less than two hundred fifty dollars per licensee or registrant and shall not exceed thirty thousand dollars less the total renewal fees paid pursuant to division A of this section by each licensee or registrant.

Amended by th General AssemblyFile No. All fees, charges, penalties, and forfeitures collected under Chapters The fund may be expended or obligated by the superintendent for the defrayment of the costs of administration of Chapters All actual and necessary expenses incurred by the superintendent, including any services rendered by the department of commerce for the division's administration of Chapters The fund shall be assessed a proportionate share of the administrative costs of the department and the division.

The proportionate share of the administrative costs of the division of financial institutions shall be determined in accordance with procedures prescribed by the superintendent and approved by the director of budget and management.

Such assessment shall be paid from the consumer finance fund to the division of administration fund or the financial institutions fund. Periodically, in accordance with a schedule the director establishes by rule, but at least once every three months, the director of budget and management shall transfer five per cent of all charges, penalties, and forfeitures received into the consumer finance fund to the financial literacy education fund created under section No assignment of, or order for, wages or salary is valid unless made in writing by the person by whom the said wages or salary are earned and no assignment of, or order for, wages or salary made by a married person is valid unless the written consent of the husband or wife of the person making such assignment or order is attached to such assignment or order.

No assignment of or order for, wages or salary of a minor is valid unless the written consent of a parent or the guardian of such minor is attached to such order or assignment. No assignment of, or order for, wages or salary is valid for more than twenty-five per cent of the earnings, wages, or salary of any married person.

No such assignment is valid for more than fifty per cent of the earnings, wages, or salary of any unmarried person. Assignments of wages have priority as to each other from the time they are filed with the employer of the assignor, and the balance due any married person after twenty-five per cent has been so assigned, or due any unmarried person after fifty per cent has been so assigned is not subject to further assignment. This section does not affect or invalidate any contract or agreement between employers and their employees, or as between employers, employees, and any labor union as to any checkoff on the wages of such employees as may be agreed upon.

This section and section The limitations and regulations of sections The employee may assign whatever portion of his earnings that may be required to comply with the court order for support. As used in sections A "Short-term loan" means a loan made pursuant to sections B "Superintendent of financial institutions" includes the deputy superintendent for consumer finance as provided in section C "Interest" means all charges payable directly or indirectly by a borrower to a licensee as a condition to a loan, including fees, loan origination charges, service charges, renewal charges, credit insurance premiums, and any ancillary product sold in connection with a loan made pursuant to sections All fees and charges shall be included in the computation of the annual percentage rate.

Fees and charges for single premium credit insurance and other ancillary products sold in connection with the credit transaction shall be included in the calculation of the annual percentage rate. C "Interest" means all charges payable directly or indirectly by a borrower to a licensee as a condition to a loan, including fees, service charges, renewal charges, and any ancillary product sold in connection with a short-term loan , but does not include the monthly maintenance fees, the loan origination charge, the check collection charge, or the check cashing fee authorized under section All fees and charges, including interest and the loan origination charge and monthly maintenance fees authorized under section E "Licensee" means a person licensed to make short-term loans under sections A No person shall engage in the business of making short-term loans to a borrower in Ohio, or, in whole or in part, make, offer, or broker a loan, or assist a borrower in Ohio to obtain such a loan, without first having obtained a license from the superintendent of financial institutions under sections No licensee shall make, offer, or broker a loan, or assist a borrower to obtain such a loan, when the borrower is not physically present in the licensee's business location.

B No person not located in Ohio shall make a short-term loan to a borrower in Ohio from an office not located in Ohio. Nothing in this section prohibits a business not located or licensed in Ohio from lending funds to Ohio borrowers who physically visit the out-of-state office of the business and obtain the disbursement of loan funds at that location.

No person shall make, offer, or broker a loan, or assist a borrower to obtain a loan, via the telephone, mail, or internet. B No person shall make, offer, or broker a loan, or assist a borrower to obtain a loan, via the telephone or mail. C Any loan made in violation of this section is void, and the lender has no right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan.

A Application for an original or renewal license to make short-term loans shall be in writing, under oath, and in the form prescribed by the superintendent of financial institutions, and shall contain the name and address of the applicant, the location where the business of making loans is to be conducted, and any further information as the superintendent requires.

At the time of making an application for an original license, the applicant shall pay to the superintendent a nonrefundable investigation fee of two hundred dollars. No investigation fee or any portion thereof shall be refunded after an original license has been issued.

The application for an original or renewal license shall be accompanied by an original or renewal license fee, for each business location of one thousand dollars, except that applications for original licenses issued on or after the first day of July for any year shall be accompanied by an original license fee of five hundred dollars, and except that an application for an original or renewal license, for a nonprofit corporation that is incorporated under Chapter All fees paid to the superintendent pursuant to this division shall be deposited into the state treasury to the credit of the consumer finance fund.

B Upon the filing of an application for an original license and, with respect to an application filed for a renewal license, on a schedule determined by the superintendent by rule adopted pursuant to section The superintendent shall request the superintendent of the bureau of criminal identification and investigation, or a vendor approved by the bureau, to conduct a criminal records check based on the applicant's fingerprints in accordance with section Notwithstanding division K of section The superintendent of financial institutions shall conduct a civil records check.

The superintendent shall approve an application and issue an original or renewal license to the applicant if the superintendent finds all of the following: The applicant's net worth shall be computed according to generally accepted accounting principles. However, if the applicant or any of those other persons has pleaded guilty to or been convicted of any such offense other than theft, the superintendent shall not consider the offense if the applicant has proven to the superintendent, by a preponderance of the evidence, that the applicant's or other person's activities and employment record since the conviction show that the applicant or other person is honest, truthful, and of good reputation, and there is no basis in fact for believing that the applicant or other person will commit such an offense again.

C If the superintendent finds that the applicant does not meet the requirements of division B of this section, or the superintendent finds that the applicant knowingly or repeatedly contracts with or employs persons to directly engage in lending activities who have been convicted of a felony crime listed in division B 5 of this section, the superintendent shall issue an order denying the application for an original or renewal license and giving the applicant an opportunity for a hearing on the denial in accordance with Chapter The superintendent shall notify the applicant of the denial, the grounds for the denial, and the applicant's opportunity for a hearing.

If the application is denied, the superintendent shall return the annual license fee but shall retain the investigation fee. D No person licensed under sections The bond shall be in favor of the superintendent and in the penal sum of at least one hundred thousand dollars, or in the case of a nonprofit corporation that is incorporated under Chapter The term of the bond shall coincide with the term of the license.

The licensee shall file a copy of the bond with the superintendent. The bond shall be for the exclusive benefit of any borrower injured by a violation by a licensee or any employee of a licensee, of any provision of sections A A license issued by the superintendent of financial institutions pursuant to sections Each license issued shall be conspicuously posted in the place of business and is not transferable or assignable.

B 1 Not more than one place of business shall be maintained under the same license issued under sections When a licensee wishes to change its place of business within the same municipal corporation, written notice thereof shall be given in advance to the superintendent who shall provide without cost a license pursuant to sections A licensee under sections A The total amount of the loan does not exceed five hundred dollars. B The duration of the loan, as specified in the loan contract required under division C of this section, is not less than thirty-one days.

C The loan is made pursuant to a written loan contract that sets forth the terms and conditions of the loan. A copy of the loan contract shall be provided to the borrower.

The loan contract shall disclose in a clear and concise manner all of the following: The cost of this loan is higher than the average cost charged by financial institutions on substantially similar loans. D The loan contract includes a provision that offers the borrower an optional extended payment plan that may be invoked by the borrower at any time before the maturity date of the loan.

To invoke the extended payment plan, the borrower shall return to the office where the loan was made and sign an amendment to the original loan agreement reflecting the extended terms of the loan. The extended payment plan shall allow the borrower to repay the balance by not less than sixty days from the original maturity date. No additional fees or charges may be applied to the loan upon the borrower entering the extended payment plan. The person originating the loan for the licensee shall identify verbally to the borrower the contract provision regarding the extended payment plan, and the borrower shall verify that the provision has been identified by initialing the contract adjacent to the provision.

A licensee may engage in the business of making loans provided that each loan meets all of the following conditions:. A The total amount of the loan does not exceed one thousand dollars. B 1 Subject to division B 2 of this section, the minimum duration of the loan is ninety-one days and the maximum duration of the loan is one year.

The cost of this loan is higher than the average cost charged by financial institutions, such as banks or credit unions, on substantially similar loans. A financial institution may be able to offer you a similar loan at a lower cost.

You have the right to revoke or remove your authorization for electronic payment at any time. D The loan is a precomputed loan and is payable in substantially equal installments consisting of principal, fees, and interest combined.

For purposes of this division, "precomputed loan" means a loan in which the debt is a sum comprising the principal amount and the amount of fees and interest computed in advance on the assumption that all scheduled payments will be made when due. E The loan may be rescinded or canceled on or before five p. If the duration of a short-term loan is ninety-one days or greater, the licensee shall determine the recommended length of a loan based on the borrower's verified monthly income as described in division B 2 of section The licensee shall provide the borrower with a written copy of its recommendation, which is not binding on the borrower.

A person licensed pursuant to sections A Interest calculated in compliance with 15 U. B One check collection charge per loan not exceeding an amount equal to twenty dollars plus any amount passed on from other financial institutions for each check, negotiable order of withdrawal, share draft, or other negotiable instrument returned or dishonored for any reason, provided that the terms and conditions upon which check collection charges will be charged to the borrower are set forth in the written loan contract described in division C of section C Damages, costs, and disbursements to which the licensee may become entitled to by law in connection with any civil action to collect a loan after default.

A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan:.

A Interest not exceeding a rate of twenty-eight per cent per annum;. B 1 Except as otherwise provided in division B 2 of this section, a monthly maintenance fee that does not exceed the lesser of ten per cent of the originally contracted loan amount or thirty dollars, provided the fee is not added to the loan balance on which interest is charged;.

C If the originally contracted loan amount is five hundred dollars or more, a loan origination charge in the amount of two per cent of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged;.

D One check collection charge per loan not exceeding an amount equal to twenty dollars plus any amount passed on from other financial institutions for each check, negotiable order of withdrawal, share draft, or other negotiable instrument returned or dishonored for any reason, provided that the terms and conditions upon which check collection charges will be charged to the borrower are set forth in the written loan contract described in division C of section E If a licensee provides the proceeds of a loan in the form of a check, a fee to cash that check in an amount not exceeding ten dollars;.

F Damages, costs, and disbursements to which the licensee may become entitled to by law in connection with any civil action to collect a loan after default, except that the total amount of damages and costs shall not exceed the originally contracted loan amount.

A licensee may refinance a short-term loan provided that all of the following apply to the refinanced loan:. A The loan is a short-term loan. B Interest on the loan does not exceed a rate of twenty- eight per cent per annum. C The licensee does not charge, collect, or receive the monthly maintenance fee described in division B of section If a short-term loan is prepaid in full or refinanced prior to the loan's maturity date, the licensee shall refund to the borrower a prorated portion of the interest, monthly maintenance fees, and all other charges based on a ratio of the number of days the loan was outstanding and the number of days for which the loan was originally contracted.

For purposes of this section, the monthly maintenance fee is not considered to be fully earned at the beginning of a month. Notwithstanding any provision of sections For purposes of this section, all charges made in connection with the loan shall be included when calculating the total loan charges except for all of the following:. A The check collection charge authorized under section B The check cashing fee authorized under section C The interest charges on a loan that is refinanced in accordance with section No person licensed pursuant to sections A Violate section B Make a loan that does not comply with section C Charge, collect, or receive, directly or indirectly, any additional fees, interest, or charges in connection with a loan, other than fees and charges permitted by section D Collect treble damages pursuant to division A 1 b ii of section E Make a short-term loan to a borrower if there exists an outstanding loan between the licensee and that borrower, if a loan between any licensee and that borrower was terminated on the same business day, if the borrower has more than one outstanding loan, if the loan would obligate the borrower to repay a total amount of more than five hundred dollars to licensees, or indebt the borrower, to licensees, for an amount that is more than twenty-five per cent of the borrowers gross monthly salary not including bonus, overtime, or other such compensation, based on a payroll verification statement presented by the borrower;.

F Bring or threaten to bring an action or complaint against the borrower for the borrower's failure to comply with the terms of the loan contract solely due to the check, negotiable order of withdrawal, share draft, or negotiable instrument being returned or dishonored for insufficient funds. Nothing herein prohibits such conduct, action, or complaint if the borrower has intentionally engaged in fraud by, including but not limited to, closing or using any closed or false account to evade payment;.

G Make a short-term loan to a borrower for purposes of retiring an existing short-term loan between any licensee and that borrower;. H Require the borrower to waive the borrower's right to legal recourse under any otherwise applicable provision of state or federal law;.

I Accept the title of a vehicle, real property, physical assets, or other collateral as security for the obligation;. J Engage in any device or subterfuge to evade the requirements of sections K Assess or charge a borrower a fee for prepaying the loan in full prior to the maturity date;. L Fail to comply with section M Recommend to a borrower that the borrower obtain a loan for a dollar amount that is higher than the borrower has requested;. N Make a loan to a borrower that has received two loans within the previous ninety days from licensees, unless the borrower has completed during that period a financial literacy program approved by the superintendent;.

O Draft funds electronically from any depository financial institution in this state, or bill any credit card issued by such an institution. Nothing in this division shall prohibit the conversion of a negotiable instrument into an electronic form for processing through the automated clearing house system.

P Make, publish, or otherwise disseminate, directly or indirectly, any misleading or false advertisement, or engage in any other deceptive trade practice;. Q Offer any incentive to a borrower in exchange for the borrower taking out multiple loans over any period of time, or provide a short-term loan at no charge or at a discounted charge as compensation for any previous or future business.

R Make a loan to a borrower if the borrower has received a total of four or more loans, from licensees, in the calendar year. S Present a check, negotiable order of withdrawal, share draft, or other negotiable instrument, that has been previously presented by the licensee and subsequently returned or dishonored for any reason, without prior written approval from the borrower.

T Change the check number, or in any other way alter a check, negotiable order of withdrawal, or share draft, prior to submitting such check, negotiable order of withdrawal, or share draft for processing through the automated clearing house system, or submit false information about any check, negotiable order of withdrawal, or share draft to the automated clearing house system.

C Charge, collect, or receive, directly or indirectly, credit insurance premiums, charges for any ancillary product sold, or any additional fees, interest, or charges in connection with a loan, other than fees and charges permitted by section E Except as otherwise provided in section G Require the borrower to waive the borrower's right to legal recourse under any otherwise applicable provision of state or federal law;. H Accept the title or registration of a vehicle, real property, physical assets, or other collateral as security for the obligation;.

I Engage in any device or subterfuge to evade the requirements of sections J Assess or charge a borrower a fee for prepaying the loan in full prior to the maturity date;. K Fail to comply with section L Recommend to a borrower that the borrower obtain a loan for a dollar amount that is higher than the borrower has requested;.

M Draft funds electronically from any depository financial institution in this state without written approval of the borrower. N Make, publish, or otherwise disseminate, directly or indirectly, any misleading or false advertisement, or engage in any other deceptive trade practice;. O Offer any incentive to a borrower in exchange for the borrower taking out multiple loans over any period of time, or provide a short-term loan at no charge or at a discounted charge as compensation for any previous or future business;.

P Present a check, negotiable order of withdrawal, share draft, or other negotiable instrument, that has been previously presented by the licensee and subsequently returned or dishonored for any reason, without prior written approval from the borrower;.

Q Change the check number, or in any other way alter a check, negotiable order of withdrawal, or share draft, prior to submitting such check, negotiable order of withdrawal, or share draft for processing through the automated clearing house system, or submit false information about any check, negotiable order of withdrawal, or share draft to the automated clearing house system;. R Make a short-term loan to a borrower if the loan will result in a total outstanding principal of more than two thousand five hundred dollars in short-term loans made by licensees to that borrower at any one time.

Prior to making a short-term loan, a licensee shall require each borrower to sign a written declaration that, pursuant to this division, the borrower is eligible to receive the loan, and shall make a concerted effort to verify the borrower's eligibility.

S Fail to accept cash or a certified check from a third party when submitted on behalf of the borrower for repayment of a short-term loan in full or in part;. T Contact a borrower for any reason other than for the borrower's benefit regarding upcoming payments, options for obtaining loans, payment options, payment due dates, the effect of default, or, after default, receiving payments or other actions permitted by the licensee; to advise the borrower of missed payments or dishonored checks; or to assist the transmittal of payments via a third-party mechanism;.

U In the event that a short-term loan or its servicing is sold or assigned, fail to provide notice and the information needed to make future payments;. V Make a loan to a borrower that includes a demand feature that permits the licensee, in the event the borrower fails to meet the repayment terms for any outstanding balance, to terminate the loan in advance of the original maturity date and to demand repayment of the entire outstanding balance, unless both of the following requirements are met: For purposes of division V 2 of this section, the outstanding balance and prorated interest and fees shall be calculated as if the borrower had voluntarily prepaid the loan in full on the date of termination.

A licensee shall not attempt to collect from a borrower's account after two consecutive attempts have failed, unless the licensee obtains new written authorization from the borrower to electronically transfer or withdraw funds from the borrower's account.

A The superintendent of financial institutions shall, in accordance with Chapter B The superintendent may make any investigation and conduct any hearing the superintendent considers necessary to determine whether any person has violated sections The superintendent may impose a monetary fine of not more than one thousand dollars for each such violation.

C In making any investigation or conducting any hearing pursuant to this section, the superintendent, or any person designated by the superintendent, at any time may compel by subpoena witnesses, may take depositions of witnesses residing without the state in the manner provided for in civil actions, pay any witnesses the fees and mileage for their attendance provided under section The superintendent also may compel by order or subpoena duces tecum the production of, and examine, all relevant books, records, accounts, and other documents.

If a person does not comply with a subpoena or subpoena duces tecum, the superintendent may apply to the court of common pleas of Franklin county for an order compelling the person to comply with the subpoena or subpoena duces tecum or, for failure to do so, an order to be held in contempt of court. D In connection with any investigation under this section, the superintendent may file an action in the court of common pleas of Franklin county or the court of common pleas of the county in which the person who is the subject of the investigation resides, or is engaging in or proposing to engage in actions in violation of sections As often as the superintendent considers it necessary, the superintendent may examine the records of a licensee, but in any case, the superintendent shall examine the records of a licensee at least annually.

A Every licensee shall keep and use in the licensee's business such books, accounts, records, and loan documents as will enable the division of financial institutions to determine whether the licensee is complying with sections Such books, accounts, records, and loan documents shall be segregated from those pertaining to transactions that are not subject to sections Every licensee shall preserve the books, accounts, records, and loan documents pertaining to loans made under sections B 1 As required by the superintendent of financial institutions, each licensee shall file with the division each year a report under oath or affirmation, on forms supplied by the division, concerning the business and operation for the preceding calendar year.

If a licensee has more than one place of business in this state, the licensee shall furnish a report for each location. The published analysis shall include all of the following: The superintendent of financial institutions, in accordance with Chapter The superintendent shall issue a rule defining "senior officer" for the purpose of section The superintendent may adopt, amend, and repeal substantive rules defining with reasonable specificity acts or practices that violate section A A violation of section A borrower injured by a violation of section B The superintendent of financial institutions or a borrower may bring directly an action to enjoin a violation of sections The prosecuting attorney of the county in which the action may be brought may bring an action to enjoin a violation of sections C The superintendent may initiate criminal proceedings under sections If the prosecuting attorney does not prosecute the violations, or at the request of the prosecuting attorney, the superintendent shall present any evidence of criminal violations to the attorney general, who may proceed in the prosecution with all the rights, privileges, and powers conferred by law on prosecuting attorneys, including the power to appear before grand juries and to interrogate witnesses before such grand juries.

These powers of the attorney general are in addition to any other applicable powers of the attorney general. D The prosecuting attorney of the county in which an alleged offense may be prosecuted may initiate criminal proceedings under sections E In order to initiate criminal proceedings under sections If, within a reasonable period of time, the prosecuting attorney has not agreed to prosecute the violations, the attorney general may proceed in the prosecution with all the rights, privileges, and powers described in division B of this section.

F When a judgment under this section becomes final, the clerk of court shall mail a copy of the judgment, including supporting opinions, to the superintendent. A 1 "Debt collector" means a licensee, officer, employee, or agent of a licensee, or any person acting as a debt collector for a licensee, or any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt resulting from a short-term loan made by a licensee.

For the purpose of this section, the term "borrower" includes the borrower's spouse, parent, if the borrower is a minor, guardian, executor, or administrator.

B When communicating with any person other than the borrower for the purpose of acquiring location information about the borrower, the debt collector shall identify self, state that the purpose for the communication is to confirm or correct location information concerning a person, and, only if expressly requested, identify the debt collector's employer. The debt collector shall not do any of the following: C A debt collector, without the prior consent of the borrower given directly to the debt collector or without the express permission of a court of competent jurisdiction, may not communicate with a borrower in connection with the collection of any debt: In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a borrower is after eight a.

D A debt collector, when communicating with a third party without the prior consent of the borrower given directly to the debt collector, or without the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, may not communicate, in connection with the collection of any debt, with any person other than the borrower, the borrower's attorney, a consumer reporting agency if otherwise permitted by law, or the attorney of the debt collector.

E If a borrower provides written notification, to a person licensed under section If such notice from the borrower is made by mail, notification shall be complete upon receipt. F A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, any of the following: G A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, any of the following: H A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, any of the following: The charges include, but are not limited to, collect telephone calls and telegram fees;.

I In addition to the requirements of this section, a debt collector shall follow the practices set forth in the federal "Fair Debt Collection Practices Act," 91 Stat. In the event of a conflict between described practices in the federal act and described practices in this section, this section shall prevail. A If more than four hundred persons are licensed under sections Licensees shall use the database to determine if a borrower is eligible for a loan.

Licensees shall submit the required data in a format as the superintendent prescribes by rule, and verify eligibility before entering into each loan transaction. B If a statewide common database is developed pursuant to division A of this section, the superintendent shall adopt rules to administer and enforce this section and to ensure that the database is used by licensees in accordance with this section, including: C The database operator, whether the superintendent or a third party selected by the superintendent pursuant to Chapter D A licensee may rely on the information contained in the database as accurate and is not subject to any administrative penalty or civil liability as a result of relying on inaccurate information contained in the database.

E With respect to the database prescribed in division A of this section, any information submitted for incorporation into the database, information in the database itself, or archived information as maintained by the superintendent pursuant to this section is not a public record under section F If approved by the superintendent, the database operator may impose a per transaction fee for the actual costs of entering, accessing, and maintaining data in the database.

The fee shall be payable to the database operator in a manner prescribed by the superintendent. A licensee may not charge a customer all or part of the fee.

Repealed by nd General Assembly File No. A Before initiating a short-term loan transaction with a borrower, a licensee shall make a reasonable attempt to verify the borrower's income for purposes of division B 2 of section At a minimum, the licensee shall obtain from the borrower one or more recent pay stubs or other written evidence of recurring income, such as a bank statement.

The written evidence shall include at least one document that, when presented to the licensee, is dated not earlier than forty-five days prior to the borrower's initiation of the short-term loan transaction. If the borrower intends to provide a bank statement, the licensee shall permit the borrower to delete from the statement the information regarding to whom the debits listed on the statement are payable.

B The superintendent of financial institutions may adopt rules under section A If a statewide common database is not developed under section In the absence of an electronic database tracking service, each licensee shall require a borrower to sign a written declaration confirming that, pursuant to section I see also in your open desk there that you have a sheet of stamps and a thick bundle of postcards. What could you go into the post-office for, then, but to send a wire?

Eliminate all other factors, and the one which remains must be the truth. Chapter 1 - The Science of Deduction http: Was it through the chimney? We know that he did not come through the door, the window, or the chimney. We also know that he could not have been concealed in the room, as there is no concealment possible. When, then, did he come?

He must have done so. If you will have the kindness to hold the lamp for me, we shall now extend our researches to the room above -- the secret room in which the treasure was found. Chapter 6 - Sherlock Holmes Gives a Demonstration http: I believe that banking institutions are more dangerous to our liberties than standing armies The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.

It is identified in Respectfully Quoted as spurious, and the editor further points out that the words "inflation" and "deflation" are not documented until after Jefferson's lifetime. The second part of the quotation "I believe that banking institutions are more dangerous to our liberties than standing armies He wrote, "And I sincerely believe, with you, that banking establishments are more dangerous than standing armies; and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale.

Fear God and keep his commandments [e. I was not a Jew. Then they came for the Communists. I was not a Communist. Then they came for the trade unionists. I was not a trade unionist.

Then they came for me. There was no one left to speak for me. Margaret Pepper New York: Some versions have Mr. Click here for the For full story, see link to open-source docket , hosted by The Register and with filings by Register editor, Gordon W. As previously reported by DNAinfo: The Register's open-source docket , is accessible here with most or all key filings.

Why should you sign? See below for proof Dept of Education is seeking public comment on how they should treat Student Loans in Bankruptcy. One commenter felt it was unfair to let students have BK protections when others had paid off their loans, but The Register notes that, in the past, some slaves bought their own freedom, and yet, they did not begrudge or oppose the freeing of the remaining slaves.

Debt Slaverey is the new form of slavery, harming Blacks, Whites, Hispanics, and especially the poor, who cannot obtain an Education, which is a threat to U. National Security --and to the economy, as the tax dollar is on the hook, and college debt has surpassed credit card debt, at over 1. Shannon, back in Nonetheless, when news of Shannon's death reached The Register , we remembered our prior true, but embarrassing, news coverage, and, while not false, it was incomplete, and could cause pain and grief for the remaining family.

The Register has made key updates to the "Anti Virus" tips page, to help readers keep up-to-date on fighting Computer Virii Viruses. Watts, suggested that we make sure the GOP replacement to the ACA was not unaffordable, suggesting the county plan where he lives as a model that works, covers many people, and is affordable, as elucidated in our Thr. Watts has previously contacted all his Federal Leaders congressman, senators, and the Trump transition team on this issue, as documented in the Mon.

House of Representatives is set to vote on the GOP replacement to the ACA ObamaCare , and it looks like it will be a close vote, with Conservative Republicans opposing in on the grounds that it is unaffordable, and most or all Democrats, purportedly opposing on the grounds that is does not cover enough Americans.

The only possible drawback is that the coverage may not be "complete," but it did cover this writer's cataract surgery, regular checkups, and would have covered much more had it been needed. Most or all prescriptions are not covered, but as America is over-medicated, that is not a drawback. Dollar with 'healthcare' that is unaffordable. For the record, Register editor, Gordon W. Dollars, and it will only be a matter of 'when', not 'if': Only a matter of time.

Federal Law which prohibits Student Loans from ever being discharged unless the debtor can overcome the next-to-impossible "undue hardship" standard, which is far higher a standard than even unsecured Credit Card debts that might be racked up by gamblers, criminals, or worse.

If you're a liberal or College Student, you need to sign to stand up for the little man. If you're a Conservative like myself , you need to sign to defend the U. No, we're not asking for a Liberal Free Handout, just fair treatment under the Constitution.

Very easy to sign. Student Loan Debt Posted: So, The Register respectfully asks you to sign Clavito's petition so that the laws of the land give Equal Protection to all citizens, not just a few rich bankers, who constantly get bailed out, go bankrupt, and then get bailed out some more. Federal Law which prohibits student loans from ever being discharged unless the debtor can overcome the next-to-impossible "undue hardship" standard, which is far higher a standard than even unsecured Credit Card debts that might be racked up by gamblers, criminals, or worse.

Clavito is seeking bankruptcy and bringing a legal challenge against this law in Federal Court , in the Southern District of California, acting as his own lawyer in Clavito v. Dept Of Ed U. Watts, has previously litigated this exact issue except that Watts was challenging only the law, not his outstanding debt. This was after Watts made a petition as described more fully in the Mon. Nonetheless, Watts made a compelling case that the law in question was unconstitutional on a number of grounds.

Now, with so many victims of Predatory Lending, illegal monopoly, and, of course, taxpayers on the hook for having used tax dollars to make or back these toxic loans that should have never been made in the first place, and probably not authorised by The Constitution , it is high time for you to sign Clavito's petition before the day time-limit expires.

His petition apparently has passed the signature limit within just a few days, and is in "Prime Time" viewing on the Whitehouse website, so jump on the bandwagon now, or forever hold your peace: Department of Education regarding both Public Education and Higher Education challenges facing the nation.

I, the writer, overlooked mention of how College Debt, Tuition, defaults, etc. Having not heard back from the DOE since we contacted them last month, The Register resent our Press Inquiry, with more precise and specific questions: Supreme Court, William Pryor, has been investigated and found wanting in one key pro-life vote. Read the email exchange between pro-life advocate, Robert J. More and Register editor, Gordon W. More has demanded, instead, that Mr.

I suggested Polk Care Fla. It's both affordable, and it works. Additionally, I made the extra-added effort to contact my other representatives in the Federal Government: In-depth analysis to support the suggestion to use 'Polk Care' as model for replacement: Martin Luther King, Jr.

Comment on Facebook , listen on YouTube , follow on Twitter. Some of the unfinished business includes the fact that: So, since the Higher-Ed debt is about 1. National debt and growing , and U. Dollar will crash , making us like Greece, etc. To that end, we ask you to contact Sec. Tell them that we are 44 Million strong, and that if they think they can ignore us, they will find out, in November , that they can not.

Ross, and selected other key participants. The Register's endorsements for both Primary and General Election: Click here to open up in new window; Click here for 'drop down' in same, pre-loaded page. Ross supported in a recent Town Hall Meeting news item below have now been receiving increased mainstream news media attention. Watts, who was the initial proponent of these popular solutions, is in agreement with Ross' two proposed solutions: University of Connecticut law professor Philip Shuchman testified before Congress , explaining that their removal of bankruptcy from college loans violated Federal Equal Protection: Bankruptcy Law regarding student loans - and has contacted both Congressman Ross, as well as his two state Senators, Sen.

Wednesday, April 13, at Wednesday, July 27, at October 18, ; Updated: March 23, at Monday, 28 September ; Last Modified: Sunday, 29 May However, has The Whitehouse and President really done all that they could? Ross R-FLth is highlighted here, but he is by no means the only party who is responsible for fixing some very Unconstitutional laws, that affect us all.

In my state Florida , Sen. Ross, of Lakeland, Fla. When Universities see subsidies, they increase tuition simply to pay for million-dollar salaries. This costs students skyrocketing tuition and taxpayers who back these loans. Because of that, The Register hopes Ross will end these subsidies, to put a stop to soaring tuition and resulting record College Debt. The Register has notified both Rep. So, they have been put on notice that "We the People" want representation. While The Chronicle claims that the arrest wasn't just for nonpayment, but also because "A federal judge then issued a warrant for Aker's arrest for failing to appear at a Dec.

Aker further said he hasn't received any notification about the outstanding loan "in a long time. See our previous coverage of the Constitutional challenge to these laws, in our Sun. Click here for full coverage, links, docket, and other resources. Scalia has passed away, late Friday or early Saturday, at the age of 79, recent news reports confirm. The Register sends our sincere condolences to the Scalia family. Famous 'Gay Marriage' attorney, Douglas Hallward-Driemeier has taken Tetzlaff's case, but has stalled and apparently declined to seek rehearing.

Register editor, Gordon W. Watts, who self-identifies as Conservative, is not asking the High Court for outright loan forgiveness in his request to intervene. Instead, he is asking merely that the same standard consumer protections as Credit Card holders have also be returned to Student Loans, as in the past. Watts, who is himself under financial duress , has asked the Court to intervene as a matter of right , since he is affected and his own rights aren't represented in this case.

Watts has pulled out all the stops - and filed a professionally-done brief. In case The Court claims his filing is late, he has documentation of delivery to a commercial carrier in a timely fashion. Short, to-the-point, and a good read: Daniggelis, the elderly victim, did not actually sign away his house and was even more of an innocent victim albeit with much less news coverage.

For those of you unfamiliar with Mr. Daniggelis' case , you need only look at the initial filings by Register editor, Gordon Watts in the LAW Division case at this link -the filings denoted by a 'Blinking Dot': The Court's docket , which is cached here , does not have image download technology at this time. Many court observers wonder if Chicago Courts are still corrupt, as in the recent past.

Are you Reading a Fictional Mortgage Document? Oxford Dictionaries confirms The Register's claim: British English has now adopted the American figure, though, so that a billion equals a thousand million in both varieties of English.

Commentary- "The beginning of the end": With money becoming worthless, we must invest in that which is eternal: That sounds 'religious,' but be that as it may, it seems quite true. Mortgage Fraud in Chicago, IL- The Register has filed a request in the trial court to include the previous filings in the record on appeal, and he has also asked the appeals court for supervisory overview of these matters.

As previously reported by The Register, legal editor and editor-in-chief, Gordon Watts, uncovered forgery fraud and fraud of other sorts in these mortgage fraud cases. Mortgage Fraud in Chicago, IL- The Register has uncovered mortgage fraud, resulting in a home being stolen, and the elderly home-owner being evicted -and getting no payment whatsoever for the 'sale.

Two signatures on different documents were identical. This is forgery fraud: This fraud was overlooked by the Court and lawyers on both sides: New papers filed in GMAC v. Daniggelis , CH and Younes v.

Court filings -- Misc. Public Records docs Mr. Daniggelis, an elderly Old Town, Chicago gentleman, is the victim. In re Gordon Wayne Watts, Petitioner: In plain English, an ax-murderer can represent himself pro se , acting as his own attorney, but when filing in someone else's case, The Supreme Court, unlike many other courts, requires you to have a lawyer who is a member of the US Supreme Court bar.

The rule prohibiting "non-lawyers" from filing briefs in other peoples' cases has been around for many decades, and is not unlike the recent rule change prohibiting "non-lawyers" from oral arguments before the High Court. Sloan had oral arguments before the high court, and successfully argued that the SEC, in issuing successive day suspensions, abused its power, and Sloan won That case was the last time a "non-lawyer" orally argued before the high court.

Many people, including the court's own justices, have said that people have "no" automatic right of review by the Supreme Court, but, as shown above, that is not true in all cases. However, what about the case where a person wants to file a 'friend of the court' brief, as Watts has been allowed to do, but you simply can't afford a lawyer who is a member of the Supreme Court bar?

The only thing stopping Watts from filing was the fact that he couldn't afford to "buy access" through a highly-money lawyer. The fact that he took hard shots at both pro- and anti- gay advocates did not help his chances at finding a lawyer willing to file for him; nor, did it help that Watts is not in the "in crowd" of high rank and status "insiders.

The court did not find any fault with Watts' brief, and, in fact, actually docketed it in error for a short period of time. It's a mystery why no one has challenged this long-time rule or perhaps they did, and the press didn't report on it? Watts deduces that most people unable to afford an attorney to file are also too poor to get proper skills to fight an unjust rule, such as this. But, in the end, it matters not "how long" a rule's been around: For this reason, The Register confidently opines that this rule has only one purpose: No other explanation is adequate: It is hoped that The Justices will see the wisdom in updating and revising outdated and antiquated rules that "send the wrong message": Money can buy access to The Court.

Moreover, as Sloan has demonstrated, above, sometimes a "non-lawyer" can be very helpful to the court. That is why Watts' Amicus brief is necessary: Brief for an Amicus Curiae 1.

An amicus curiae brief that brings to the attention of the Court relevant matter not already brought to its attention by the parties may be of considerable help to the Court. Supreme Court issues odd ruling in case of Register editor, Gordon Watts , who, previously, lost a decision in State Court in his bid to save Terri Schiavo. Veteran court observers were baffled by the odd response from The Court, since both the January and February filings, in the news items below, clearly specified the relief sought namely ability to file an amicus pro se , without needing an attorney , the latter included an In Forma Pauperis declaration , which included the required affidavit of indigency , as the rules require, and one of them even served the other parties.

While early speculations included fears that The Court and clerks were merely trying to stonewall and delay Watts' filing or deny him Due Process, The Register notes that this seems unlikely in light of the fact that Clerk Fossum could easily have continued to delay his response to Watts, thereby allowing the time-deadlines to pass for the four consolidated 'Gay Marriage' cases for which Watts is attempting for file an Amicus Curiae Friend of the Court brief.

It is speculated but not known that The Clerks faulted his January petition for placing the motion to file in the brief, instead of as a separate filing, and the February petition for failing to serve other parties, which Watts did not do, based on the fact that RULE In spite of the fact that Watts did not need to serve the other parties, as Rule The hoard of Watts' Amicus briefs , with the required paperwork that was prepared on Wed.

The Register also notes that the filing should, legally, actually be time-stamped with the February date, because of RULE A corrected petition submitted in accordance with Rule However, as these are very extraordinary requests in Watts' petitions, asking for a wholesale revision of RULE Are pro se litigants unfairly denied Due Process or given 'unequal' protection, when compared with those able to afford an attorney?

And, can it benefit The Court to do like many appeals courts and allow pro se non-lawyers to file potentially-helpful Amicus briefs?

Supreme Court has docketed Watts' case: No backlog or slackers here. Supreme Court does not forward Amicus briefs to Justices, claiming format is incorrect. Watts responds by re-submitting Supplement in the requested format: The Supplemental Brief , above, arrived at Watts files 2nd Supplemental Brief in response to newly-discovered testimony on TheBlaze , which cites an article found on TheFederalist related to Gay Marriage child-rearing research cited by Watts in his original filings.

The 2nd Supplemental Brief , above, arrived at Court Docket -- Cached Screenshot Sat. Supreme Court almost accepted the Jan. Apparently, his filing was good enough to pass for that of a lawyer. The Court eventually denied Watts' request, claiming that he didn't use proper protocol in filing an "All Writs" petition, so he refiled again receipt on Feb.

One lawyer barred in the U. Payment will cover printing, service, and time. Watts, through this website to inquire. Watts' brief does not have any objectionable material, as does that of the lawyer who filed this bizarre brief ; however, to follow proper protocol, prospective lawyer should proof-read to ensure that this problem does not happen.

Supreme Court for leave to file an amicus pro se in the 'Gay Marriage' cases currently being reviewed from our sister circuit, the 6th U. Circuit Court of Appeals, which are consolidated from 4 appeals originating from Kentucky, Michigan, Ohio, and Tennessee: Due to mounting costs associated with printing and service mailing of the many court items, here, I'm experimenting with a Donation Button. Any donations will not be tax-deductible, and, until I have time to post a strict accounting of my costs incurred, you will just have to take my word for this.

District, Circuit Court of Appeals, and U. Supreme Court-in an attempt to be a 'Good Samaritan' and work out a solution that will satisfy both 'traditional marriage' conservatives such as myself and liberal 'Gay Rights' activists who do have some legitimate and genuine grievances about how gays are sometimes mistreated. Supreme Court without comprising either sides' core values Courtesy of: Sat 30 June , Donald Trump to lobby for passage of this BiPartisan bill: Still think it's only a 'few' loudmouths complaining?

Search site or web: However, not having heard back from the DOE since we contacted them last month, The Register resent our Press Inquiry, with more precise and specific questions: In-depth analysis of HealthCare debate: Clavito, has filed a petition on the Whitehouse Website, and he respectfully asks you to sign it, in order that U. Laws give the same treatment to College Debt as any other debt: It's just that simple. If you have any doubt, famed economist, Martin A.

Armstrong , inventor of the Economic Confidence Model , which, even as early as late , accurately predicted the Stock Market plunge in the 3rd quarter of , almost a year in advance, and who is the ForEx Person of the Year for , gave news coverage to Mr. Clavito's in this recent blog post. Clavito's petition is "picking up steam" on on other social media , as well.

Lady Justice Ponders Odd Ruling. Register Editor, Gordon W. Watts, who, several years ago, lost a split decision on behalf of Theresa 'Terri' Schiavo, has been allowed to file an Amicus Curiae brief in the high-profile "Florida Gay Marriage" case, currently being appealed in the 11th U.

Watts, a nonlawyer, whose only college training is in the sciences B. Watts uses a never-before-used 'Equal Protection' argument that, barring an unfair hearing, would be sufficient grounds to either uphold the Florida Law or, in the unlikely alternative, make polygamy plural marriages legal.

For complete coverage of this issue, including Watts' filings, please see The Register's research page link here. Court documents, technically, are available to the public -but at a charge; The Register is hosting these court filings as an 'Open Source' service for the interested public.

Watts' brief, while likely sufficient to defend the Florida Law, is unique in all the Amici briefs on the state's side, insofar as it offers relief to those who claim damage from the Florida Law -without sacrificing either the definition of marriage as '1 man and 1 woman,' as is currently the law -or compromising the morals of those whose religious beliefs are in agreement with the popular Florida Law. Permalink-1 -- Permalink-2 -- Official Press Release.

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