Consumer Rent-a-Bank Watch List - Public.xlsx

	A	B	C	D	E	F	G	H	I	J
1		Legal rate for $2000, 2-year loan*	EasyPay (≈ 189%)*	Elevate's Rise (99%-149%)	Enova's NetCredit (100%)	LoanMart (≈ 170%)	OppLoans (160%)	Personify Financial (≈ 180%)	CNG's Xact (Check 'n Go) (up to 225%)	# of consumer rent-a-bank lenders (out of 7)*

2	Alabama	No cap (94% for $500, 6-mo. loan)	Bank	Direct	Direct	Direct	Bank but high rates permitted	Bank but high rates permitted	Bank and direct	2
3	Alaska	31%	Direct	Bank	Bank	No	Bank	Bank	Bank	5
4	Arizona	41%	Direct	Bank	Bank	Direct	Bank	Bank	Bank	5
5	Arkansas	17%	Bank	No	Bank	No	Bank	No	Bank	5
6	California	25%	No	No	Direct (above $2,500 only; 36% to 41%)	Bank, but loans only above $10,600, which aren't capped	Bank	No	Bank	2
7	Colorado	31%	No	No	No	No	No	No	No	0
8	Connecticut	36%	No	No	No	No	No	No	No	0
9	Delaware	no cap	Direct	Direct	Direct	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	0 (no rate cap)
10	Dist. of Columbia	24%	No	No	No	No	No	No	No	0
11	Florida	31%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
12	Georgia	32%	Bank	Direct ($3100-$5000, 50%-60%)	Direct (above $3,100, capped at 59%)	Direct	No	Direct over $3100, capped at 60%	No	1
13	Hawaii	31%	Bank	Bank	Bank	No	Bank	No	Bank	5
14	Idaho	no cap	Direct	Direct	Direct	Direct	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	0 (no rate cap)
15	Illinois	36%	Bank	No	Direct (capped at 36%)	No	Bank	No	No	2
16	Indiana	40%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
17	Iowa	36%	No	No	No	No	No	No	No	0
18	Kansas	32%	Direct	Bank	Bank	Bank	Bank	Bank	Bank	6
19	Kentucky	42%	Direct	Bank	Bank	Bank	Bank	Bank	Bank	6
20	Louisiana	38%	Bank	Bank	Direct	Bank	Bank	Bank	Bank	6
21	Maine	30%	No	No	No	No	Bank	No	No	1
22	Maryland	30%	Bank	No	No	No	No	No	No	1
23	Massachusetts	24%	No	No	No	No	No	No	No	0
24	Michigan	30%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
25	Minnesota	32%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
26	Mississippi	59%	Bank	Direct (60%-290%, $600-$2500)	Bank	Bank	Bank	Bank	Bank	6
27	Missouri	no cap	Direct	Direct	Direct	Direct	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	0 (no rate cap)
28	Montana	36%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
29	Nebraska	30%	Bank	Bank	Bank	Bank	Bank	No	Bank	6
30	Nevada	40%	Direct	Bank	No	No	No	No	Bank	2
31	New Hampshire	36%	Direct	No	No	No	Bank	No	No	1
32	New Jersey	30%	Bank	No	Bank	No	Bank	No	No	3
33	New Mexico	36%	Direct	No	Direct (capped at 36%)	Direct	Bank	No	No	1
34	New York	25%	No	No	No	No	No	No	No	0
35	North Carolina	35%	Bank	No	No	Bank	Bank	No	No	3
36	North Dakota	36%	Direct	No	Direct (capped at 36%)	No	Bank	No	Bank	2
37	Ohio	37%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
38	Oklahoma	54%	Bank	Bank	Bank	Bank	Bank	Bank	Bank	7
39	Oregon	36%	Direct	Bank	Bank	No	Bank	No	Bank	4
40	Pennsylvania	24%	Direct	No	No	No	Bank	No	No	1
41	Rhode Island	29%	Bank	No	Bank	Bank	Bank	No	Bank	5
42	South Carolina	no cap (72% for a $500, 6-month loan)	Bank	Direct	Direct	Bank	Bank	Bank and direct	Bank (high rates permitted over $600)	5
43	South Dakota	36%	Direct	No	Direct (capped at 36%)	No	No	No	No	0
44	Tennessee	43%**	Bank	Bank (CCBank)	Bank	Bank	Bank	Bank	Bank	7
45	Texas	35%	Bank	Bank (CCBank)	Bank	Bank	Bank	Bank	Bank	7
46	Utah	no cap	Direct	Direct	Direct	Direct	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	0 (no rate cap)
47	Vermont	21%	Bank	No	No	No	No	No	No	1
48	Virginia	50%	Direct	No	Bank	Bank	Bank	No	No	3
49	Washington	29%	Direct	No	No	No	Bank	No	No	1
50	West Virginia	33%	Bank	No	No	No	No	No	No	1
51	Wisconsin	no cap	Direct	Direct	Direct	Bank but no state rate cap	Bank but high rates permitted	Bank but high rates permitted	Bank but high rates permitted	0 (no rate cap)
52	Wyoming	31%	Bank	Bank	Bank	No	Bank	No	Bank	5
53	z-Notes	*Rate for an unsecured loan by licensed, nonbank lender. States may have different rates for installment sales and for auto title or other secured loans.	*In some states that do not allow high-cost installment loans but where EasyPay does not use a bank, it may operate under the state's retail installment sales act.							*Does not include lenders who lend through a bank but at rates permitted in the state.
54	zz-Notes	**Rate for a closed-end loan. Tennessee allows higher rates for open-end "flex" loans.
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