Red Rock Tribal Not Licensed In Washington

Date Posted: 
Thursday, October 27, 2016

Updated: October 27, 2016
Originally Posted: August 14, 2014

Also Doing Business As:

  • Big Picture Loans

The Washington State Department of Financial Institutions (DFI) warns consumers to never give any nonpublic person information, such as social security number, credit card, or bank account information to any individual, website, or company without first verifying their identity and license status. Consumers can determine whether a financial services company or individual is properly licensed to conduct business in the State of Washington by using the “Verify a License” feature on the DFI’s website at

Recently, DFI received complaints against Red Rock Tribal Lending, LLC d/b/a Big Picture Loans (Big Picture Loans). Consumers reported that they received loans from Big Picture Loans and were charged excessive fees and interest.

It appears that Big Picture Loans is operating as an online tribal payday lender. Big Picture Loans claims to be owned the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally recognized Indian Tribe.

In the past, DFI received complaints against Red Rock Tribal Lending, LLC d/b/a Castle Payday (Castle Payday). It appears that Castle Payday has operated as an online tribal payday lender. In addition, Castle Payday claimed to be owned by the same federally recognized Indian Tribe.

Castle Payday operated a website at [] which now redirects to [] (Big Picture Loans). The website lists its contact information as:

Red Rock Tribal Lending, LLC d/b/a Big Picture Loans
Attn: Karrie S. Wichtman
PO Box 704
Watersmeet, MI 49969
Fax: 906*358*2010

Big Picture Loans and Castle Payday are not licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Important Information for Washington State Consumers

Washington State residents are informed that Washington 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 State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700.

Washington State residents with loans exceeding $700 are informed that Washington State law provides in RCW 31.04.035 that fees or interest charged in the making of a nonresidential loan by an unlicensed lender must be refunded to the borrower.

Report Unlicensed Lending Activity or Fraud

Washington State residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at Even if your activity involves a loan over the internet, a license may still be required.

If you live in another state, go to this webpage to find the regulator in your home state.