ANNABELLE CLINTON IMBER, Justice.
This is one of a number of similar cases to come before this court involving check-cashing businesses. Brandon Young, Jimmie Sue Spencer, and Karla Blackford are representatives of a class of customers that utilized the deferred-presentment check-cashing services of Tay-Tay, Inc., Arkansas Payday Check Cashers, Inc, Two Cluck, Inc., d/b/a Payday Advance, and Jim Mead (hereinafter referred to jointly as "Tay-Tay"). On August 17, 2001...
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