OHIO NEIGHBORHOOD FIN. v. SCOTT

No. 2013-0103.

139 Ohio St.3d 536 (2014)

2014-Ohio-2440

OHIO NEIGHBORHOOD FINANCE, INC., D.B.A. CASHLAND, APPELLANT, v. SCOTT, APPELLEE.

Supreme Court of Ohio.

Decided June 11, 2014.


Attorney(s) appearing for the Case

Zeiger, Tigges & Little L.L.P., John W. Zeiger , and Stuart G. Parsell , for appellant.

Squire Sanders (US), L.L.P., Pierre H. Bergeron , and Colter L. Paulson , urging reversal for amicus curiae Ohio Chamber of Commerce.

Vorys, Sater, Seymour & Pease, L.L.P., and Frederick E. Mills , urging reversal for amicus curiae Ohio Council of Retail Merchants.

Sara Bruce , urging reversal for amicus curiae Ohio Automobile Dealers Association.

The Mirman Law Firm, L.L.C., and Joel H. Mirman , urging reversal for amici curiae Norfleet Rives and Daniel Oglevee.

Dreher Tomkies Scheiderer, L.L.P., Darrell L. Dreher , and Elizabeth L. Anstaett , urging reversal for amicus curiae Richard F. Keck.

Legal Aid Society of Cleveland, Julie K. Robie , Katherine B. Hollingsworth , and Thomas Mlakar ; Ohio Poverty Law Center, L.L.C., and Linda Cook ; Southeastern Ohio Legal Services and Melissa Benson ; Legal Aid Society of Southwest Ohio, L.L.C., and Nicholas DiNardo ; Advocates for Basic Legal Equality, Inc., and Stanley A. Hirtle ; and Legal Aid Society of Columbus and Scott Torguson , urging affirmance for amici curiae Legal Aid Society of Cleveland, Legal Aid Society of Columbus, Community Legal Aid Services, Inc., Southeastern Ohio Legal Services, Legal Aid Society of Southwest Ohio, L.L.C., Advocates for Basic Legal Equality, Inc., Legal Aid of Western Ohio, Inc., Ohio Poverty Law Center, L.L.C., ProSeniors, Inc., Coalition on Homelessness and Housing in Ohio, and Catholic Conference of Ohio.

Cannizzaro, Bridges, Jillisky & Streng, L.L.C., and Amy E. Gullifer , urging affirmance for amici curiae Center for Responsible Lending and National Consumer Law Center.


FRENCH, J.

{¶ 1} This appeal concerns the continued viability of payday lending in Ohio and raises questions regarding how payday loans fit within Ohio's current statutory lending framework.

Introduction

{¶ 2} Payday loans are typically small, unsecured, short-term loans, often repayable on the borrower's next payday. Ohio Legislative Service...

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