I received an email from CTC in response to a letter I sent to them on February 7, 2009. Using the Cease and Desist letter template and adding the following Paragraph.
Due to the fact that Internet payday loans must be licensed in the state of California to be a legal and binding contract, your company should NOT issue loans to California residents at all. I am requesting that you send me your license number which enables you to offer loans to California residents.