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With overtime, that gets bumped up to $14.

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The Bureau also seeks comment on whether there are alternative approaches that could allow vehicle title lending under the proposed conditional exemption for certain covered short-term loans and still provide strong protections against the harms that can result to consumers who lack the ability to repay their loans, including default and potential loss of the consumer's vehicle, collateral harms from making unaffordable loan payments, and reborrowing.

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In addition, certain entities wishing to make commercial loans in California, such as licensed real estate brokers and licensed real estate mortgage lenders, are exempt from the California finance lenders license mandate, payday loan no credit check.
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