The year 2020 is going to go into the history books as one of the most unique years ever. From the ravages of the Coronavirus pandemic to the failure of so many businesses both big and small, this has not bee the easiest of 12 months. And as the nation awaits to see if the legal challenges the President is alleging are going to produce any results, it is important to note that there are also some smaller state issues that may determine the future of not only the country, but also individuals. When it comes to issues like lender liability, for example, there are many people who are relieved to know that the predatory lending practices in at least one state are no longer in place. Limiting the amount of interest that these companies can charge their lenders will, in fact, lead to a significant reduction in the financial challenges that some families face. And while lender liability is only one of the many issues that was on the ballot this month, there is no denying that as the threat of