The Washington State Department of Financial Institutions (DFI) has received a complaint against Tribal Lending Enterprise d/b/a National-Paydayloan.com. It appears that this entity is operating as a tribal online payday lender. This entity claims to be owned by Guidiville Indian Rancheria, a federally recognized Indian Tribe exercising its sovereign immunity subject to regulation by the United States Government.

Tribal Lending Enterprise d/b/a National-Paydayloan.com is not licensed by DFI. This entity 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 provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Tribal Lending Enterprise operates a website at http://www.national-paydayloan.com and lists its phone number as 1-888-678-8567. The address that has been associated with this entity is: Tribal Lending Enterprise c/o MLM Division B, P.O. Box 332, Talmage, California 95481.

If you have a complaint against Tribal Lending Enterprise d/b/a National-Paydayloan.com, you may wish to contact the Tribal Lending Regulatory Authority (TLRA) at:

Tribal Lending Regulatory Authority
Attn: Kevin Cline
P.O. Box 339
Talmage, CA 95481
email: regulator@guidiville.net
telephone: 707-462-3682
fax: 707-462-9183

Verify License

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 atwww.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 1-877-FTC HELP, or online at www.ftc.gov(link is external).

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers’ places of employment.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator(link is external).

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 www.ftc.gov(link is external); or contact the Consumer Financial Protection Bureau (855) 411-CFPB or online atwww.consumerfinance.gov(link is external). Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov(link is external).

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov(link is external).

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.