WISCONSIN PDL LICENSE CLARIFICATION

Yeah, that's correct - Puddlejumper is from WI and found the same info too. :D

So that sucks, If I'm trying to battle with MTE and USfastcash..I can't defend myself with the license issue.

Except - They are not licensed ANYWHERE. That still gives you room to fight, because even though they don't have to be licensed in your state, they do need to be licensed in A state to lend legally in the US.

What about this.
I'm not sure how the initial contact started..meaning if I got an email or add from them or I went searching. I've had a few loans with both of these companies that I've paid off. After I paid them off the first time, each one I received after that was because they called me or sent me an email telling I was eligible for another loan with a higher amount. Would that be considered soliciting to me? I hope that didn't sound confusing.

No, the prior loans wouldn't be solicitation, since you were already a customer of theirs. It would be the initial contact that would matter.

The initial contact would be what would matter. If you searched the internet for payday loan, and applied on a site, and that's how you got the loan, they would only need to be licensed in any US state.

If they sent you an email without you ever having any contact with them, then they would need to be licensed in WI.

But - That would be very hard to prove. I think it would be easier to fight them as not licensed in the US, then try to fight them on the solicitation or non solicitation clause. Since a WI license still allows them to charge the moon, it's better for you to fight as unlicensed in the US.