Cash America 2015 Annual Report Download - page 18

could exercise its enforcement powers in ways that could have a Material Adverse Effect” and “—The Company is
subject to a Consent Order issued by the CFPB, and any noncompliance could have a Material Adverse Effect.”
Check Cashing Regulations
The Company offers check cashing services in some of its pawn lending and consumer loan locations.
Some states require check cashing companies to meet minimum bonding or capital requirements and to comply
withrecord-keepingrequirements.Somestatesrequirecheckcasherstobelicensedandhaveadoptedceilingson
check cashing fees. Failure to observe a state’s legal requirements for check cashing could result, among other
things, in a loss of the check cashing license in that state, the imposition of fines or customer refunds, and other
civil and/or criminal penalties. In addition to state regulations applicable to check cashing companies, the
Company’s check cashing activities also must comply with applicable federal regulations. The principal federal
regulations governing check cashing operations are described in “U.S. Federal Regulation” above. The Company’s
franchising activities related to its check cashing business are also subject to various federal and state regulations
that, among other things, mandate disclosures to franchisees and other requirements.
Compliance with Laws
The Company’s failure to comply with applicable laws, rules, regulations and guidance, or any finding that
the Company’s past forms, practices, processes, procedures, controls or infrastructure were insufficient could
subject it to regulatory enforcement actions, result in the assessment against it of civil, monetary, criminal or other
penalties (some of which could be significant in the case of knowing or reckless violations), result in the issuance of
cease and desist orders (which can include orders for restitution or rescission of contracts, as well as other kinds of
affirmative relief), require the Company to refund interest or fees, result in a determination that certain loans are not
collectible, result in a revocation of licenses, result in a finding that it has engaged in unfair and deceptive practices,
limit the Company’s access to services provided by third-party financial institutions or cause damage to the
Company’s reputation, brands and valued customer relationships. The Company could also be subject to changes
to, or changes in the interpretation of, federal, state, and local statutes, ordinances, regulations, rules and guidance
that could adversely affect its ability to offer certain of its products and services. See Item 1A. Risk Factors—Risks
Related to the Company’s Business and Industry” for additional information.
Company and Website Information
The Company’s principal executive offices are located at 1600 West 7th Street, Fort Worth, Texas
76102-2599,anditstelephonenumberis(817)335-1100.
The Company’s website is located at www.cashamerica.com. Through its website, the Company provides
free access to its Annual Report, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and all
amendments to those reports filed or furnished pursuant to Sections 13(a) and 15(d) of the Securities Exchange Act
of 1934 as soon as reasonably practicable after such reports are electronically filed with or furnished to the SEC.
The SEC maintains an internet site that contains reports, proxy and information statements, and other information
regarding issuers that file electronically with the SEC at www.sec.gov. The Company’s internet website and the
information contained therein or connected thereto is not intended to be incorporated by reference into this Annual
Report.
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