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. 48, to regulate short-term, or payday, loans. And then a funny thing happened: nothing. It was as if the STLA did not exist. Not a single lender in Ohio is subject to the law.
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