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CFPB v. All American Check Cashing, Inc. and Mid-State Finance, Inc., and sole owner, Michael Gray

We are the Consumer Financial Protection Bureau (CFPB), a federal government agency that enforces laws that protect consumers. The (CFPB) filed a lawsuit against All American Check Cashing, Inc., Mid-State Finance, Inc., and Michael E. Gray for engaging in unfair, deceptive, and abusive practices while providing payday lending and check cashing services.

The CFPB filed a complaint against All American Check Cashing Inc., Mid-State Finance, Inc., and its owner for deceiving and trapping consumers. They used deceptive tactics to prevent customers from discovering the fees associated with their services, made misleading statements about the benefits of their high-cost payday loans, and failed to provide refunds.

Victim compensation

  • Call: 1-888-400-7907
  • Email: [email protected]
  • Write: CFPB All American Check Cashing, Third Party Administrator - 8430, P.O. Box 2561, Faribault, MN 55021-9561

Important dates

July 30, 2024 – Ongoing: Distribution

More information about the case

Read the court order

Read the press release

This graphic depicts a map of the United States. Each state includes the state abbreviation and the amount of money returned to consumers in that state from the CFPB’s victims relief fund. The total distribution is $384,009,580.74 to 191,672 consumers. Active-duty military living in America, not including Canada, received $4,943.23. Active-duty military living in Europe, Middle East, and Canada received $56,772.38. Consumers in Alaska received $69,021.37. Consumers in Alabama received $592,083.96. Active-duty military living in received $25,122.51. Consumers from Arkansas received $5,111,343.78. Consumers from American Samoa received $1,653.15. Consumers from Arizona received $40,918,780.47. Consumers from California received $2,816,081.72. Consumers from Colorado received $798,402.22. Consumers from Connecticut received $12,528,698.54. Consumers from the District of Columbia received $158,707.18. Consumers from Delaware received $378,921.80. Consumers from Florida received $7,288,457.38. Consumers from Georgia received $2,780,418.14. Consumers from Guam received $6,168.57. Consumers from Hawaii received $148,268.60. Consumers from Iowa received $335,521.39. Consumers from Idaho received $219,668.00. Consumers from Illinois received $15,027,437.83. Consumers from Indiana received $45,788,965.98. Consumers from Kansas received $302,782.91. Consumers from Kentucky received $24,740,760.60. Consumers from Louisiana received $364,428.34. Consumers from Massachusetts received $15,214,657.73. Consumers from Maryland received $1,041,105.67. Consumers from Maine received $313,068.96. Consumers from Michigan received $1,415,561.72. Consumers from Minnesota received $8,504,181.00. Consumers from Missouri received $674,933.01. Consumers from Mississippi received $323,552.93. Consumers from Montana received $2,279,762.14. Consumers from North Carolina received $43,975,921.44. Consumers from North Dakota received $177,490.86. Consumers from Nebraska received $211,245.54. Consumers from New Hampshire received $643,313.44. Consumers from New Jersey received $36,069,162.84. Consumers from New Mexico received $6,866,571.35. Consumers from Nevada received $1,021,841.33. Consumers from New York received $25,481,490.41. Consumers from Ohio received $61,996,927.43. Consumers from Oklahoma received $540,499.14. Consumers from Oregon received $366,966.55. Consumers from Pennsylvania received $2,229,367.79. Consumers from Puerto Rico received $101,545.08. Consumers from Rhode Island received $311,787.14. Consumers from South Carolina received $2,242,359.67. Consumers from South Dakota received $2,071,754.10. Consumers from Tennessee received $1,657,852.62. Consumers from Texas received $3,601,239.14. Consumers from Utah received $289,484.53. Consumers from Virginia received $1,703,408.46. Consumers from the Virgin Islands received $5,543.11. Consumers from Vermont received $78,541.44. Consumers from Washington received $815,509.49. Consumers from Wisconsin received $682,815.75. Consumers from West Virginia received $530,497.95. Consumers from Wyoming received $100,295.41. Consumers from Jamaica received $620.62. Consumers from the United Kingdom received $560.44. Consumers from Canada received $4,734.46.

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