{
  "standard": "FactUnion Standard v1",
  "checkedAt": "2026-10-13T20:35:24.223Z",
  "title": "The Door Painted on the Wall",
  "date": "2026-10-13",
  "facts": [
    {
      "n": 1,
      "claim": "On February 19, 2026, New York's Appellate Division, First Department, unanimously affirmed Richmond Capital Group's liability under Executive Law 63(12), holding that its transactions were usurious loans and not merchant cash advances.",
      "sources": [
        {
          "url": "https://syfert.com/new-york/cases/cl-10796696/people-v-richmond-capital-group-llc",
          "title": "People v. Richmond Capital Grp. LLC, 2026 NY Slip Op 00990"
        },
        {
          "url": "https://crediblelaw.com/richmond-capital-judgment-modified/",
          "title": "Richmond Capital $77M Judgment Modified — Liability Stands - Credible Law"
        },
        {
          "url": "https://appealmate.com/court-cases/1cbd1406-72d7-4913-b2ed-f81428bd7c6b",
          "title": "People of the State of New York v. Richmond Capital Group LLC, et al. - Appealmate"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 2,
      "claim": "The First Department relied on evidence that Richmond's mandatory reconciliation provisions were never performed, that daily payments were fixed rather than estimates of receivables, and that bankruptcy or business termination triggered full repayment and enforcement of personal guarantees.",
      "sources": [
        {
          "url": "https://crediblelaw.com/richmond-capital-judgment-modified/",
          "title": "Richmond Capital $77M Judgment Modified — Liability Stands - Credible Law"
        },
        {
          "url": "https://www.mondaq.com/unitedstates/trials-appeals-compensation/1758128/how-new-yorks-appellate-departments-examine-revenue-purchase-agreements",
          "title": "How New York's Appellate Departments Examine Revenue Purchase Agreements - Trials & Appeals & Compensation - United States"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 3,
      "claim": "The court vacated and remanded the $77,289,631 monetary award because the People had not excluded repayments of principal from damages or accounted for offsets such as prior settlements.",
      "sources": [
        {
          "url": "https://crediblelaw.com/richmond-capital-judgment-modified/",
          "title": "Richmond Capital $77M Judgment Modified — Liability Stands - Credible Law"
        },
        {
          "url": "https://appealmate.com/court-cases/1cbd1406-72d7-4913-b2ed-f81428bd7c6b",
          "title": "People of the State of New York v. Richmond Capital Group LLC, et al. - Appealmate"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 4,
      "claim": "The First Department also held that disgorgement was not an available remedy on the facts of the Richmond case.",
      "sources": [
        {
          "url": "https://exa.ai/library/legal/opinion/hvvgg7tql20",
          "title": "People v. Richmond Capital Group LLC, App. Div. 2026"
        },
        {
          "url": "https://crediblelaw.com/richmond-capital-judgment-modified/",
          "title": "Richmond Capital $77M Judgment Modified — Liability Stands - Credible Law"
        },
        {
          "url": "https://app.freecase.ai/case/10796696",
          "title": "People v. Richmond Capital Group LLC — freecase.ai"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 5,
      "claim": "The New York AG's verified petition against Richmond Capital describes a transaction in which Richmond loaned a merchant $10,000 and required it to pay back $19,900 in daily payments over a 10-day term.",
      "sources": [
        {
          "url": "https://ht.ag.ny.gov/sites/default/files/verified_petition_0.pdf",
          "title": "Richmond - Petition - Rev 6.9.2020"
        },
        {
          "url": "https://ag.ny.gov/sites/default/files/verified_petition_0.pdf",
          "title": "Richmond - Petition - Rev 6.9.2020"
        },
        {
          "url": "https://ag.ny.gov/press-release/2023/attorney-general-james-scores-major-victory-small-businesses-harmed-predatory",
          "title": "Attorney General James Scores Major Victory for Small Businesses Harmed by Predatory Lender"
        }
      ],
      "verdict": "corrected",
      "note": "The evidence disagrees on the daily payment: the petition excerpt says $999 and the independent check says $1,999, so the amount is left out until it is checked against the petition.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 6,
      "claim": "The New York Attorney General announced the lawsuit against Richmond Capital Group in a press release dated June 10, 2020.",
      "sources": [
        {
          "url": "https://ag.ny.gov/press-release/2020/attorney-general-james-sues-predatory-lender-threatened-violence-and-kidnapping",
          "title": "Attorney General James Sues Predatory Lender That Threatened Violence and Kidnapping, and Illegally Collected Millions from Small Businesses"
        },
        {
          "url": "https://www.einpresswire.com/article/519128970/attorney-general-james-sues-predatory-lender-that-threatened-violence-and-kidnapping-and-illegally-collected-millions-from-small-businesses",
          "title": "Attorney General James Sues Predatory Lender That Threatened Violence and Kidnapping, and Illegally Collected Millions from Small Businesses"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 7,
      "claim": "New York's Second and Fourth Appellate Departments decide whether an MCA is really a loan using a three-factor test: whether there is a reconciliation provision, whether the agreement has a finite term, and whether there is any recourse if the merchant declares bankruptcy.",
      "sources": [
        {
          "url": "https://www.mondaq.com/unitedstates/trials-appeals-compensation/1758128/how-new-yorks-appellate-departments-examine-revenue-purchase-agreements",
          "title": "How New York's Appellate Departments Examine Revenue Purchase Agreements"
        },
        {
          "url": "https://www.legal500.com/intelligence/united-states/litigation-mediation-arbitration/how-new-yorks-appellate-departments-examine-revenue-purchase-agreements",
          "title": "How New York's Appellate Departments Examine Revenue Purchase Agreements"
        },
        {
          "url": "https://www.docketdrafter.com/blog/ny-mca-usury-defense-appellate-decisions-2024-2025",
          "title": "What 7 NY Appellate Decisions Tell Us About MCA Usury Defense in 2024-2025 | DocketDrafter"
        }
      ],
      "verdict": "corrected",
      "note": "The claim makes the test sound statewide, but the page ties it to the Second and Fourth Departments and says the First Department never adopted it.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 8,
      "claim": "Courts have treated reconciliation provisions as illusory, pointing toward a loan, when the funder has sole discretion to adjust payments or when there is no consequence for the funder ignoring them.",
      "sources": [
        {
          "url": "https://www.mondaq.com/unitedstates/trials-appeals-compensation/1758128/how-new-yorks-appellate-departments-examine-revenue-purchase-agreements",
          "title": "How New York's Appellate Departments Examine Revenue Purchase Agreements"
        },
        {
          "url": "https://www.legal500.com/intelligence/united-states/litigation-mediation-arbitration/how-new-yorks-appellate-departments-examine-revenue-purchase-agreements",
          "title": "How New York's Appellate Departments Examine Revenue Purchase Agreements"
        },
        {
          "url": "https://www.docketdrafter.com/blog/ny-mca-usury-defense-appellate-decisions-2024-2025",
          "title": "What 7 NY Appellate Decisions Tell Us About MCA Usury Defense in 2024-2025 | DocketDrafter"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 9,
      "claim": "In Pinnacle Business Funding LLC v. American Iron & Crane, the reconciliation clause required the funder to complete reconciliation within two business days of proper notice and to give written notice of its determination within one business day after that, and the court found disputed facts about whether requests were made and honored.",
      "sources": [
        {
          "url": "https://lundinpllc.com/commercial-case-notes/questions-of-fact-regarding-legitimacy-of-reconciliation-provisions-preclude-summary-judgment-on-whether-agreement-is-a-merchant-cash-advance/",
          "title": "Questions of Fact Regarding Legitimacy of Reconciliation Provisions Preclude Summary Judgment - Lundin PLLC"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 10,
      "claim": "MCA reconciliation clauses typically require the merchant to send a written request together with financial documents, often bank statements covering the period from the agreement date to the request.",
      "sources": [
        {
          "url": "https://lundinpllc.com/commercial-case-notes/questions-of-fact-regarding-legitimacy-of-reconciliation-provisions-preclude-summary-judgment-on-whether-agreement-is-a-merchant-cash-advance/",
          "title": "Questions of Fact Regarding Legitimacy of Reconciliation Provisions - Lundin PLLC"
        },
        {
          "url": "https://www.legalphilly.com/what-is-a-reconciliation-clause-and-how-do-i-use-it-to-reduce-payments/",
          "title": "Use Reconciliation To Reduce MCA Payments | SKA Law Group"
        },
        {
          "url": "https://daviscantor.com/2024/11/13/how-to-request-a-reconciliation-in-a-merchant-cash-advance-mca-agreement/",
          "title": "How to Request a Reconciliation in a Merchant Cash Advance (MCA) Agreement - Law Office of Jeffrey Davis, Esq."
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 11,
      "claim": "A 1.35 factor rate means repaying 135% of the amount advanced, and the APR depends on the term and the calculation method: estimates run from about 140% to 176% over 90 days and from about 70% to more than 110% over 6 months.",
      "sources": [
        {
          "url": "https://capitalxo.com/resources/calculators/factor-rate-to-apr-calculator/",
          "title": "Factor Rate to APR Calculator"
        },
        {
          "url": "https://www.debtura.com/intelligence/what-is-factor-rate",
          "title": "What Is a Factor Rate on a Merchant Cash Advance? — Debtura Intelligence"
        },
        {
          "url": "https://firstamericandebthelp.com/articles/factor-rate-vs-apr/",
          "title": "Factor rate vs APR: converting the number your broker quoted | First American Debt Help"
        }
      ],
      "verdict": "corrected",
      "note": "The cited calculator says a 1.35 factor rate over 6 months exceeds 110% APR, not roughly 71%, although other sources give 70% to 88%.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 12,
      "claim": "On September 24, 2026, the Rockland County Business Journal reported that Rockland County Supreme Court has become a hub for hundreds of collection suits filed by out-of-state MCA providers, including Funding Futures, Mantis Funding, The Merchant Marketplace, Swift Funding, Lendr Online and Funding Depot.",
      "sources": [
        {
          "url": "https://rcbizjournal.com/2026/09/24/rockland-county-flooded-with-sketchy-merchant-cash-advance-lawsuits/",
          "title": "Rockland County Flooded With Sketchy Merchant Cash Advance Lawsuits"
        },
        {
          "url": "https://crediblelaw.com/mca-lawsuit-wrong-county-new-york/",
          "title": "MCA Sued Me in New York: Wrong County? What to Do - Credible Law"
        },
        {
          "url": "https://ginsburglawgroup.com/2026/09/why-out-of-state-merchant-cash-advance-companies-are-suing-small-businesses-in-rockland-county-new-york/",
          "title": "Why Out-of-State Merchant Cash Advance Companies Are Suing Small Businesses in Rockland County, New York - Consumer Attorneys"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 13,
      "claim": "Under New York's CPLR 503(a), a plaintiff may designate any county when no party resides in New York, and under CPLR 509 the place of trial is the county the plaintiff designates unless changed by court order or the plaintiff's consent, which lets funders file in Rockland even when neither side has a connection to it.",
      "sources": [
        {
          "url": "https://crediblelaw.com/mca-lawsuit-wrong-county-new-york/",
          "title": "MCA Sued Me in New York: Wrong County? What to Do - Credible Law"
        },
        {
          "url": "https://www.nysenate.gov/legislation/laws/CVP/503",
          "title": "NYS Open Legislation | NYSenate.gov"
        },
        {
          "url": "https://codes.findlaw.com/ny/civil-practice-law-and-rules/cvp-sect-509.html",
          "title": "New York Consolidated Laws, Civil Practice Law and Rules - CVP § 509. Venue in county designated"
        }
      ],
      "verdict": "corrected",
      "note": "The claim credits CPLR 509 with the rule that a plaintiff may pick any county when no party lives in New York, but the check says that rule is in CPLR 503(a). CPLR 509 only says the plaintiff's chosen county is the place of trial.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 14,
      "claim": "New York's 2019 ban on confessions of judgment against non-residents removed a faster collection shortcut, so funders now use standard lawsuits to get default judgments.",
      "sources": [
        {
          "url": "https://ginsburglawgroup.com/2026/09/why-out-of-state-merchant-cash-advance-companies-are-suing-small-businesses-in-rockland-county-new-york/",
          "title": "Why Out-of-State Merchant Cash Advance Companies Are Suing Small Businesses in Rockland County"
        },
        {
          "url": "https://www.moritthock.com/new-yorks-new-confession-of-judgment-law-the-unintended-consequences-of-its-residency-requirements/",
          "title": "New York’s New Confession Of Judgment Law & The Unintended Consequences Of Its Residency Requirements | Long Island, NYC Moritt Hock & Hamroff LLP"
        },
        {
          "url": "https://www.lexology.com/library/detail.aspx?g=06583a77-494c-4402-96b5-4a17cf9cd1fb",
          "title": "New York Amends Confession of Judgment Statute to Prohibit Confessions Filed Against Out-of-State Debtors - Lexology"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 15,
      "claim": "Funders' New York default judgments are then domesticated in the merchant's home state so they can be used to seize assets there.",
      "sources": [
        {
          "url": "https://ginsburglawgroup.com/2026/09/why-out-of-state-merchant-cash-advance-companies-are-suing-small-businesses-in-rockland-county-new-york/",
          "title": "Why Out-of-State Merchant Cash Advance Companies Are Suing Small Businesses in Rockland County"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 16,
      "claim": "Reports say few Rockland MCA cases are defended because hiring New York counsel often costs more than the amount claimed, though no exact default rate has been published.",
      "sources": [
        {
          "url": "https://rcbizjournal.com/2026/09/24/rockland-county-flooded-with-sketchy-merchant-cash-advance-lawsuits/",
          "title": "Rockland County Flooded With Sketchy Merchant Cash Advance Lawsuits"
        },
        {
          "url": "https://crediblelaw.com/mca-lawsuit-wrong-county-new-york/",
          "title": "MCA Sued Me in New York: Wrong County? What to Do - Credible Law"
        },
        {
          "url": "https://www.mercresolution.com/knowledge/sued-new-york-mca-out-of-state",
          "title": "Sued in New York by MCA Company Out of State? What to Do | MercResolution"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 17,
      "claim": "Defendants in the Rockland filings are small businesses in states including Arizona, Virginia, California, Florida, Texas and Ohio, and the Rockland County Business Journal cited Merchant Marketplace Holdings v. Purpose Driven Daycare LLC, a California daycare, as an example.",
      "sources": [
        {
          "url": "https://rcbizjournal.com/2026/09/24/rockland-county-flooded-with-sketchy-merchant-cash-advance-lawsuits/",
          "title": "Rockland County Flooded With Sketchy Merchant Cash Advance Lawsuits"
        },
        {
          "url": "https://crediblelaw.com/mca-lawsuit-wrong-county-new-york/",
          "title": "MCA Sued Me in New York: Wrong County? What to Do - Credible Law"
        },
        {
          "url": "https://ginsburglawgroup.com/2026/09/why-out-of-state-merchant-cash-advance-companies-are-suing-small-businesses-in-rockland-county-new-york/",
          "title": "Why Out-of-State Merchant Cash Advance Companies Are Suing Small Businesses in Rockland County, New York - Consumer Attorneys"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 18,
      "claim": "SCJ Commercial Financial Services v. Titis Island Cuisine was filed in Rockland County on August 14, 2026.",
      "sources": [
        {
          "url": "https://unicourt.com/case/ny-sue3-case7u7d4b49cfda71-316017",
          "title": "SCJ COMMERCIAL FINANCIAL SERVICES et al v TITIS ISLAND CUISINE et al"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 19,
      "claim": "According to the Federal Reserve's 2023 Small Business Credit Survey, 5% of employer firms applied for a merchant cash advance in the 12 months before the survey.",
      "sources": [
        {
          "url": "https://exa.ai/library/publication/xslpwdzcq00",
          "title": "2024 Report on Employer Firms: Findings from the 2023 Small Business Credit Survey"
        },
        {
          "url": "https://www.fedsmallbusiness.org/-/media/project/clevelandfedtenant/fsbsite/reports/2024/2024-report-on-employer-firms.pdf",
          "title": "REPORT ON EMPLOYER FIRMS:"
        },
        {
          "url": "https://cameonetwork.org/wp-content/uploads/2024/03/2024-Report-on-Employer-Firms.pdf",
          "title": "REPORT ON EMPLOYER FIRMS:"
        }
      ],
      "verdict": "corrected",
      "note": "The 5% figure is a share of all employer firms, not a share of credit applicants. Only 37% of firms applied for any loan, line of credit or cash advance.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 20,
      "claim": "Because MCAs are not classified as loans, they are exempt from Truth in Lending Act disclosures, and there is no standardized reporting of their default rates.",
      "sources": [
        {
          "url": "https://www.federalreserve.gov/publications/files/consumer-community-context-20250312.pdf",
          "title": "Federal Reserve Board Publication"
        },
        {
          "url": "https://legalclarity.org/merchant-cash-advance-legal-structure-and-how-they-work/",
          "title": "Merchant Cash Advance: Legal Structure and How They Work - LegalClarity"
        },
        {
          "url": "https://attorney-newyork.com/mca-debt/are-merchant-cash-advances-regulated/",
          "title": "Merchant Cash Advance Regulation: What Laws Apply to MCAs?"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 21,
      "claim": "MCA providers market the product as fast liquidity, with funding often arriving within 24 hours, and it often serves as a last resort for businesses banks won't serve.",
      "sources": [
        {
          "url": "https://scholarship.law.unc.edu/cgi/viewcontent.cgi?article=1753&context=faculty_publications",
          "title": "Desperation Finance: Merchant Cash Advances in Bankruptcy and Beyond"
        },
        {
          "url": "https://arfunding.com/industry-news/what-you-need-to-know-before-taking-out-a-merchant-cash-advance/",
          "title": "What you need to know before taking out a merchant cash advance - AR Funding"
        },
        {
          "url": "https://attorney-newyork.com/mca-debt/merchant-cash-advance-vs-bank-loan-5-key-differences/",
          "title": "Merchant Cash Advance vs Bank Loan: Key Differences"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 22,
      "claim": "JPMorgan Chase Institute's 2016 report found that the median US small business holds 27 cash buffer days, restaurants hold 16, and personal-service businesses hold 21.",
      "sources": [
        {
          "url": "https://www.jpmorganchase.com/institute/all-topics/business-growth-and-entrepreneurship/report-cash-flows-balances-and-buffer-days",
          "title": "Cash Flows, Balances, and Buffer Days | JPMorgan Chase Institute"
        },
        {
          "url": "https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/institute/pdf/jpmc-institute-small-business-report.pdf",
          "title": "Cash is King: Flows, Balances, and Buffer Days"
        },
        {
          "url": "https://gettidycents.com/data/small-business-cash-buffer-days-2015.csv",
          "title": "https://gettidycents.com/data/small-business-cash-buffer-days-2015.csv"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 23,
      "claim": "In 2025 commentary, the JPMorgan Chase Institute said small businesses typically hold enough cash to cover about two weeks of outflows if revenue stopped completely.",
      "sources": [
        {
          "url": "https://www.jpmorganchase.com/institute/news-events/essentials-about-small-business",
          "title": "A decade of insights: Three essentials about small businesses"
        },
        {
          "url": "https://www.jpmorganchase.com/content/dam/jpmorganchase/institute/documents/small-businesses-in-times-of-distress.pdf",
          "title": "Small business in times of distress: Lessons learned from the pandemic"
        },
        {
          "url": "https://www.jpmorganchase.com/institute/all-topics/business-growth-and-entrepreneurship/small-business-financial-outcomes-during-the-onset-of-covid-19",
          "title": "Small Business Financial Outcomes during the Onset of COVID-19 | JPMorganChase"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 24,
      "claim": "Early-20th-century salary buyers purchased workers' future wages at a discount, typically 10% per pay period, and framed the deals as sales rather than loans to evade usury laws.",
      "sources": [
        {
          "url": "https://www.cambridge.org/core/services/aop-cambridge-core/content/view/FD0925BE1CF17B8F6A2E42BF18B8D7F1/S0003975621000230a.pdf/turning_wages_into_capital_differentiation_on_the_market_for_unsecured_loans_in_the_united_states_19001945.pdf",
          "title": "EUR_2100023 213..248"
        }
      ],
      "verdict": "corrected",
      "note": "Source corrected: the page first cited does not state this; the sources listed do.",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 25,
      "claim": "Section 16 of the Russell Sage Foundation's Uniform Small Loan Law classified purchases of wages of $300 or less as loans and treated the difference between the price paid and the wages assigned as interest.",
      "sources": [
        {
          "url": "https://www.russellsage.org/sites/default/files/110-CC-2%20Seventh%20draft%20of%20the%20Uniform%20Small%20Loan%20Law.pdf",
          "title": "Seventh draft of the Uniform Small Loan Law"
        },
        {
          "url": "https://www.russellsage.org/sites/default/files/109-RL-43%20The%20constitutionality%20of%20small%20loan%20legislation%20-%20Copy.pdf",
          "title": "SMALL LOAN LEGISLATION"
        },
        {
          "url": "https://scholarship.law.duke.edu/cgi/viewcontent.cgi?article=2062&context=lcp",
          "title": "The Development of Regulatory Small Loan Laws"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 26,
      "claim": "The Uniform Small Loan Law let licensed lenders charge higher rates, often 3.5% a month, in exchange for transparency, a ban on extra fees, and state supervision.",
      "sources": [
        {
          "url": "https://scholarship.law.duke.edu/cgi/viewcontent.cgi?article=2062&context=lcp",
          "title": "The Development of Regulatory Small Loan Laws"
        },
        {
          "url": "https://www.pew.org/en/research-and-analysis/articles/2012/07/a-short-history-of-payday-lending-law",
          "title": "A Short History of Payday Lending Law | The Pew Charitable Trusts"
        },
        {
          "url": "http://www.econ.yale.edu/growth_pdf/cdp971.pdf",
          "title": "Bringing “Honest Capital” to Poor Borrowers: The Passage of the Uniform Small Loan Law, 1907-1930"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    },
    {
      "n": 27,
      "claim": "Courts applying small loan laws rejected wage buyers' argument that their transactions were absolute sales and upheld treating them as loans, as in the West Virginia case Cash Service Co. v. Ward (1937).",
      "sources": [
        {
          "url": "https://case-law.vlex.com/vid/cash-service-co-v-929791385",
          "title": "Cash Service Co. v. Ward, 118 W. Va. 703 (1937)"
        },
        {
          "url": "https://www.plainsite.org/opinions/1bzzy0zln/cash-service-co-v-ward/",
          "title": "118 W. Va. 703 (3 citations) :: Cash Service Company v. George Ward, Banking Commissioner, Et Al. :: West Virginia Supreme Court"
        }
      ],
      "verdict": "verified",
      "quote": false,
      "usedInEpisode": true
    }
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