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Consumer Law

Attorney Mike Smalz testified on behalf of the Ohio Poverty Law Center and Ohio Consumers of Health Coverage in support of continuing Ohio’s Medicaid expansion and in opposition to work requirements that were included in Sub. HB 49.

May 2017

Attorney Mike Smalz testified on behalf of the Ohio Poverty Law Center and Ohio Consumers of Health Coverage in support of  continuing Ohio’s Medicaid expansion and in opposition to work requirements that were included in the House version of the budget bill, Substitute House Bill 49. Mike testified that the proposed work requirements are counterproductive […]

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The Future of Payday Lending in Ohio – Take 2

June 2014

In a previous post, I suggested that the Ohio Supreme Court may or may not decide the future of payday lending in Ohio.  On Thursday, June 12, the Court did issue a decision.  Unfortunately for Ohio consumers and voters, the Court validated the current industry business model, deciding that these short term, small dollar predatory […]

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Loan Sharking and Payday Lending

March 2014

In the struggle to regulate the short term, small dollar loan industry, one theory regularly pops up.  This theory states that if such loans are capped and regulated, violent loan sharks will take the place of legitimate small loan businesses that would not be able to survive under such onerous regulation.  The violent loan shark […]

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Ohio’s Proposed Debt Settlement Legislation Bad Policy for Ohio’s Consumers

July 2013

Recently, Representative Lou Terhar introduced HB 173 in the Ohio House. The bill purports “to regulate the for-profit debt settlement industry in Ohio.” Although this industry needs significant regulatory reforms, the proposed modifications of state law would offer mostly redundant regulation while removing fees caps that protect Ohio’ s citizens. The bill that would emerge […]

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Robo-signing as a Business Practice

January 2013

Robo-signer: Sounds like a boring sci-fi movie that’s light on action. In reality, it’s a back-office system of quickly signing off on foreclosure documents like affidavits without actually doing what the affidavits say was done. Also known as cheating and lying. Tampa Bay Times, Dec. 26, 2010 Robo-signing, as a common practice in the financial […]

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