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And itвЂs no coincidence that the same structure also houses the office of the tribal council of the Habematolel Pomo of Upper Lake. The Native American tribeвЂs lending enterprises have names like Silver Cloud Financial and Mountain Summit Financial, reflecting the Native American heritage of the rancheria, as these settlements are called.
The U. government established them for landless Indians in California in the early 20th century, but unlike reservations, a single rancheria can include members of multiple tribes.
Tribal sovereignty allows the rancheriasвЂ businesses to claim immunity from state usury laws, making them convenient shelters for lenders who want to evade regulators.
Yet little of the revenue that flows through these tribal businesses ends up in the rancheria or benefiting tribal members, as attested by the cluster of rundown houses nearby, where some members of the tribe live. They donвЂt look like villainous tycoons best bank personal loan philippines on low-income Americans.
They look more like those cash-strapped loan customers themselves.
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