 Jones' research revealed the market for small, short term, fee-based loans collateralized by the customer's signature, leading him to found Check Into Cash in 1993.The business model was made possible after Jones allegedly donated large amounts of money to multiple state legislators in order to convince them to change laws that previously prohibited charging of what some have characterized as exorbitant interest rates.In effect, Jones' critics charged that he bought the State legislation that allows him to do business.