Consumer Alert
Harvest Moon Loans

Tribal Payday Lender
Posted: December 18, 2014

The Washington State Department of Financial Institutions (DFI) has received complaints against Harvest Moon Loans. It appears that Harvest Moon Loans is operating as a tribal online payday lender. Harvest Moon Loans claims to be owned by the La Posta Band of Mission Indians, a federally recognized Indian Tribe exercising its sovereign immunity subject to regulation by the United States Government.

Harvest Moon Loans is not licensed by DFI. Harvest Moon Loans is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Washington residents are advised that state law (RCW 31.45.105(1)(d) and (3)) provides that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Harvest Moon Loans operates a website at http://www.harvestmoonloans.com. It lists its contact information as follows:

Address: 8 Crestwood Rd.
Boulevard, CA 91905
Phone: 888-570-6064
Fax: 888-570-8777
E-mail:customerservice@harvestmoonloans.com

Complaints against Harvest Moon Loans may be sent to:

La Posta Band of Mission Indians
Lending Regulatory Commission
8 Crestwood Rd.
Boulevard, CA 91905

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at http://www.dfi.wa.gov/consumers/findcompany.htm.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 382-4357 (1-877-FTC HELP), or online at http://www.ftc.gov.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact the DFI at 1-877-RING-DFI (746-4334), or online at http://www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at http://www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at http://www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at http://www.ic3.gov.