Shbear, I am wondering the same thing and I wished I could answer you question. The problem we have is Cash Today, LTD apparently is a non-US lender and has on many occasions told consumers they are not required to abide by US laws.
I dont think this is true, regardless if they are not in the US, they are doing business in the US and should have some kind of license to do so.
The Nevada AG is trying to invesitage them because of the growing number of complaints and hopefully will be sucessfull in identifying the lending company.