Section 12 Practice Tips - Small Loans

LibraryConsumer Law and Practice 2010 – Forms

Counsel should investigate the following facts:

. If the loan is for $500 or less, is this a payday (small-small) loan or a small loan? Does the lender have the appropriate license for the loan?

. Is the loan secured? It should be a small loan because payday loans cannot be secured.

. If there is security, is the collateral real property? If so, was the proper notification included on the loan contract? Section 367.185.3, RSMo 2000.

. Is there a maximum fee notice posted conspicuously at the lender's...

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