Louis becoming the Gateway to the West. The official transfer of the land to the US with the Louisiana Purchase is a historic triumph in commerce, trade and an important element in the growth of this lovely, tree-lined city.
Throughout the decades, St. Louis has survived devastating tornadoes, great fires, war, and diversity in politics. Remarkably, St. Louis has achieved world-wide recognition during some of the most challenging of times. The golden age period (to some folks) may have been the early 1900s when over 20 million visitors from all over the world attended the Worlds Fair. The city magnificently rose to the Worlds Fair challenge and St.
Louis earned a reputation as the worlds largest producer of beer, shoes, stoves, and wagons.
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For years, his company, Think Cash, had made millions of dollars by offering poor Americans quick access to money when they needed to fix their cars, replace broken appliances or pay medical bills. Unlike the brick-and-mortar payday loan companies that dot street corners and strip malls across the country, however, Think Cash was an online venture, built with the convenience of the new economy in mind.
A loan was only a few clicks away. For borrowers, there was a catch. Payday loans typically come with high interest rates that can add hundreds personal loans for people with no income thousands of dollars to the original loan amount and trap poor borrowers in a cycle of debt.
For this reason, many states have cracked down on payday lenders. Fourteen states and the District of Columbia ban payday loans altogether, and all of the remaining states regulate payday lending to some degree. With Think Cash, Rees had found a clever way around these regulations: The loans were passed through a nationally chartered bank, thereby exempting them from state banking laws. This "rent-a-bank" model had been popular among online payday lenders since at least the late 1990s.
But by 2010, various federal regulators had all but shut down the arrangement.
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