35(A) defines short-term loan narrowly as a loan made pursuant to the STLA. Thus, there is no language in the STLA that requires a lender to be licensed under that act before making a payday-style loan, she continued.

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 its terms contravene the STLAs requirements regarding the loan term, interest, and fees.

Because [the lender] did not issue a loan made pursuant cash advance stanford ky [the STLA], the loan does not qualify as a short-term loan cash advance stanford ky 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.

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