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In its decision, the Ninth District ruled that the General Assembly intended, when it repealed the check-cashing law and passed the STLA, to bar any payday loans.
Justice French pointed out that [p]ursuant to R. 1321. 36(A), no person may make a short-term loan to an Ohio borrower without first obtaining an STLA license, but R. 1321. 35(A) defines short-term loan narrowly as a loan made pursuant to the STLA.