Relates to the prohibition of lending institutions issuing unsolicited mail-loan checks

The definition of a valid request was tightened to require an 'affirmative request or application' specifically by the person receiving the check, ensuring the consumer actively initiates the transaction.

A new subdivision was added stating that any debt, interest, or fee arising from a check issued in violation of the law is automatically null and void, unenforceable, and must be refunded.

New language prohibits lenders from using affiliates, third-party service providers, agents, or any other arrangements to structure or modify checks in a way that evades the law's requirements.