Washington State Department of Financial Institutions

Consumer Alert:
Island Finance LLC

Also Doing Business As:

Unlicensed Payday Loans

Updated: February 15, 2013

The Washington State Department of Financial Institutions (DFI) has received complaints against Island Finance, LLC d/b/a White Hills Cash. It appears that this entity is operating as a tribal online payday lender. This entity stated they are an entity wholly owned by the Fort Belknap Indian Community on the Fort Belknap Reservation of Montana, and that it has sovereign immunity. This entity asserts that it is not subject to regulation by DFI and that only the United States Government has jurisdiction over federally recognized Indian Tribes and their business activities.

Neither Island Finance nor White Hills Cash are 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.

Island Finance, LLC d/b/a White Hills Cash operates a website at whitehillscash.com and lists its phone number as (800)-986-1962. The address that has been associated with this entity is: P.O. Box 552 Harlem, MT 59526.

Submit Complaints

If you have a complaint against White Hills Cash you can mail it to:

White Hills Cash
c/o Michael Fox
PO Box 330
Fort Belknap Agency
Hays, MT 59527

Payday Loan Debt Collection Laws

Washington State law prohibits threatening or harassing behavior by individuals attempting to collect a debt. The federal Fair Debt Collection Practices Act states that debt collectors must send consumers a written notice within five days of the first collection phone call, stating the amount of the debt and what it relates to. 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.

Verify Licenses

DFI strongly recommends that residents verify the license of any lender with which they consider doing business with. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access. You can verify a license with DFI at www.dfi.wa.gov or by calling 1.877.RING DFI (746-4334).

Report Violators

If you feel you have been the victim of a loan scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet, contact the Internet Crime Complaint Center at www.ic3.gov.

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.

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