Quik Payday relocated for summary judgment, providing three arguments beneath the inactive Commerce Clause: (1) the statute is an impermissible regulation that is extraterritorial (2) the statute impermissibly burdens interstate business beneath the balancing test of Pike v. Bruce Church, Inc., 397 U.S. 137, 90 S.Ct. 844, 25 L.Ed.2d 174 (1970); and (3) the statute subjects Web lending to state that is inconsistent. In the exact same time, Defendants relocated for summary judgment on Quik Payday’s constitutional claims, including its contentions underneath the Due Process Clause that Kansas lacked the energy to manage it and that Kan. Stat. Ann. В§ 16a 1 201 is unconstitutionally overbroad and vague. (Quik Payday didn’t look for judgment that is summary these due procedure claims). The events stipulated into the facts to be viewed by the region court in determining their motions.
The region court denied Quik Payday’s movement for summary judgment and granted Defendants’ cross motion. It rejected every one of Quik Payday’s three Commerce Clause challenges to your Kansas statute and its own application to Quik Payday. It rejected the contention that Kansas had been wanting to manage conduct completely outside its edges since the Kansas statute is triggered only when there is certainly both solicitation in Kansas and that loan to a single of their residents. Quik Payday, 509 F.Supp.2d at 981. in regards to Pike balancing, the court cited our choice in Aldens, Inc. v. Ryan, 571 F.2d 1159 (10th Cir.1978), for the proposition that вЂњa state’s legislation for the price and terms by which its residents borrow funds from an away from state creditor just isn’t outweighed by the burdens on interstate commerce.вЂќ Quik Payday, 509 F.Supp.2d at 979. So that as to national uniformity, the court determined that Quik Payday hadn’t shown that вЂњinternet payday financing particularly represents the kind of commerce which should simply be susceptible to nationally consistent requirements,вЂќ id. at 983; its regulated conduct ended up being aimed especially at Kansas and would not always implicate other states or their laws. The court additionally joined judgment that is summary Defendants on Quik Payday’s due procedure claims. Id. at 984 85.
Quik Payday appeals the region court’s grant of summary judgment into the Defendants therefore the denial of summary judgment to it self. 1 it generally does not challenge the district court’s due procedure rulings but just those concerning the Commerce Clause.
We review a district court’s choice to give summary judgment de novo, viewing all facts within the light many favorable to your party opposing judgment that is summary. See Jacklovich v. Simmons, 392 F.3d 420, 425 (10th Cir.2004). We are going to affirm a grant of summary judgment if you have no genuine problem of product reality together with prevailing party is eligible to judgment underneath the legislation. See id. at 426; Fed.R.Civ.P. 56(c). Likewise, we conduct de novo post on legal issues, including challenges to your constitutionality of statutes. See Hoffmann Pugh v. Keenan, 338 F.3d 1136, 1138 (10th Cir.2003).
The Dormant Commerce Clause
The Supreme Court вЂњlong has recognized that the affirmative grant of authority to Congress to regulate interstate commerce also encompasses an implicit or вЂdormantвЂ™ limitation in the authority regarding the States to enact legislation impacting interstate commerce.вЂќ Healy v. Beer Inst., 491 U.S. 324, 326 n. 1, 109 S.Ct. 2491, 105 L.Ed.2d 275 (1989); see Dennis v. Higgins, 498 U.S. 439, 447, 111 S.Ct. 865, 112 L.Ed.2d 969 (1991) (вЂњThe Commerce Clause does a lot more than confer energy regarding the authorities; it’s also a substantive restriction on permissible state legislation of interstate business.вЂќ (internal quote marks omitted)). State statutes may break the dormant limitation in three straight ways: