State v. Integrity Advance, LLCAnnotate this Case
Appellant, a Delaware limited liability company, made short-term, high-interest payday loans to Minnesota residents over the Internet. Integrity conceded that its payday loans did not comply with several provisions of Minnesota’s payday-lending law. In 2011, the Minnesota Attorney General sued Integrity, alleging that it had violated Minnesota’s payday-lending law. Integrity counterclaimed by requesting a declaratory judgment that Minnesota’s payday-lending law was unconstitutional under the extraterritoriality principle of the Commerce Clause, which prohibits a state from regulating commerce that occurs wholly outside the state. The district court granted summary judgment to the State. The court of appeals affirmed. The Supreme Court affirmed, holding that Minnesota’s payday-lending law does not violate the Commerce Clause.