High-cost lending and debt relief
18 documents (12 documents with an arbitration clause, 6 documents without one), from 17 families (12 families with a clause, 5 families without).
Documents in this sector
| Company | Document | Arbitration clause | Captured |
|---|---|---|---|
| Big Picture Loans | Terms of Website Use | no clause in the captured document | |
| Big Picture Loans | Tribal Dispute Resolution Procedure page | no clause in the captured document | |
| CreditRepair.com | Terms of Use | yes | |
| Freedom Debt Relief | Terms of Use Agreement | yes | |
| Green Dot | Cardholder Agreement | yes | |
| H&R Block | Online Services Agreement | yes | |
| Jefferson Capital | Website Terms of Use | no clause in the captured document | |
| Mariner Finance | CAC Terms of Use | yes | |
| Midland Credit Management | Terms of Use | yes | |
| MoneyGram | MoneyGram Online Terms and Conditions | yes | |
| National Debt Relief | Online Terms of Service | yes | |
| NetCredit | Terms of Use | yes | |
| OneMain Financial | Sample Loan Agreement and Disclosure Statement | yes | |
| OppLoans | Terms of Use | no clause in the captured document | |
| Plain Green Loans | Disclosure and Policies page, "Applicable Law and Dispute Resolution" section | no clause in the captured document | |
| TitleMax | Texas Additional Application Terms | yes | |
| Western Union | Western Union Money Transfer Service Terms and Conditions | yes | |
| World Finance | Terms of Service and Conditions of Use | no clause in the captured document |
Reviewed categories in this sector
For each field, the categories the reviewer assigned across this sector's clause-bearing documents, counted by document. Every category, with its count, is listed on the data page. A category marked not captured records that the text the field depends on was not captured; it is shown in every partition and excluded from every count that assumes the text was read.
Delegation clause (who decides whether the clause is enforceable)
to-arbitrator-full— 3 documentsto-court— 3 documentssilent— 2 documentsnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)to-arbitrator-except-class-waiver— 1 documentto-court-but-whole-contract-to-arbitrator— 1 document
Consumer’s share of arbitration fees
provider-rules-only-no-cap— 5 documentscompany-pays-part-or-on-conditions— 3 documentscapped-at-court-filing-fee— 1 documentcapped-at-stated-amount— 1 documentfiling-fee-paid-or-reimbursed— 1 documentnot-captured— 1 document (not captured)
Company’s fee promise
discretionary-consideration-only— 2 documentshardship-or-request-conditioned— 2 documentsreimburses-filing-fee— 2 documentssilent— 2 documentsaward-floor-or-bonus-tied-to-settlement-offer— 1 documentnot-captured— 1 document (not captured)pays-all-arbitration-fees— 1 documentright-to-elect-to-pay-where-required— 1 document
Fee or cost shifting against the consumer
frivolous-or-rule-11-only— 3 documentssilent— 3 documentsnot-captured— 1 document (not captured)offer-of-judgment-cost-shift— 1 documentone-way-collection-or-enforcement-costs— 1 documentpartial-capture— 1 document (not captured)pre-filing-noncompliance-costs— 1 documentprevailing-party-fees— 1 document
Pre-filing requirement
mandatory-condition-precedent— 5 documentssilent— 4 documentsnot-captured— 1 document (not captured)notice-only-no-waiting-period— 1 documentpartial-capture— 1 document (not captured)
Mass-arbitration terms
anti-consolidation-only— 6 documentsstaged-bellwether— 3 documentsbatching— 1 documentnot-captured— 1 document (not captured)silent— 1 document
Small-claims carve-out
available-standard-carve-out— 5 documentssilent— 4 documentslimited-by-venue-or-condition— 1 documentnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)
Opt-out
silent— 7 documentsgeneral-with-window— 3 documentschange-rejection-only— 1 documentopt-out-referenced-terms-not-captured— 1 document (not captured)
Unilateral modification
continued-use-is-acceptance— 6 documentsfresh-rejection-right-per-amendment— 2 documentschange-by-notice-no-rejection-right— 1 documentconsent-required-for-changes— 1 documentnot-captured— 1 document (not captured)silent— 1 document
Scope
broad-reaches-affiliates-and-third-parties— 5 documentsbroad-plus-survives-termination— 4 documentsclaims-between-the-parties-only— 1 documentnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)
Confidentiality of the arbitration
silent— 6 documentspre-filing-negotiations-only— 2 documentsaward-only— 1 documentconfidentiality-rules-referenced-not-stated— 1 documentnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)
Shortened limitations period
shortened-to-1-year— 4 documentssilent— 4 documentsnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)shortened-for-specified-claims-only— 1 documentshortened-to-2-years— 1 document
Severability if the class waiver is struck
narrow-severance— 8 documentswhole-clause-void-if-class-waiver-struck— 2 documentsclass-waiver-declared-non-severable— 1 documentnot-captured— 1 document (not captured)
Counsel or representation restrictions
silent— 5 documentspersonal-participation-or-signature-required— 2 documentsauthorization-to-share-account-with-counsel— 1 documentexpressly-permits-representation— 1 documentno-third-party-submission— 1 documentnot-captured— 1 document (not captured)partial-capture— 1 document (not captured)