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Because [the lender] did not issue a loan made unsecured personal loan worldwide 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. In his concurrence, Justice Pfeifer commented: Payday lending was a scourge.
It had to be eliminated or at least controlled. So the General Assembly enacted a bill, the Short-Term Lender Act (STLA), R. 1321. 35 to 1321.