 Initially Jones and other payday lenders claimed that the fee charged did not constitute interest, and therefore did not violate laws capping a maximum interest on loans, which runs contrary to multiple federal laws.In 1997 Check Into Cash was sued in a class-action lawsuit by two Cleveland attorneys, representing multiple customers, alleging violation of the Truth in Lending Act and Fair Debt Collection Act, as well as other illegal practices.Check Into Cash eventually settled the case by paying $2.2 million to the class and $500,000 in attorneys' fees.