My standard response to colleague requests without a message attached is exactly the same (I thank my new colleague and then ask how they propose we begin "colleaguing" ;)), however it did bring up the anti spam message.

I know in Oregon loans under 50k are subject to a low interest rate ( anti loan sharking rules)Do you run into usury issues with unsecured notes ? 

However, the club was not an anti-theft device, it's more a deterrent.

I'm anti-permit and believe a permit is just a tax.

We have rent control, nutty pro tenant/anti growth politicians, and even worse cash flow.

California also has anti equity stripping laws.. check  the regs before embarking on pre foreclosure resuce schemes

Compound that with the new anti-landlord laws that New York state rolled out last year and it makes CT that much more appealing.

The newer test machines that I have seen used have anti tamper readings.

Originally posted by The Anti Guruâ„¢: Dispute one item per letter and DO NOT mail all of them all at once.

I doubt Alabama has a law keeping lenders from providing a copy of your credit report since it seems anti-consumer to do so, but I am not familiar with its laws.It is probably the lender's company policy.