Thomas v. Peterson ( 2020 )


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    09/25/2020 12:07 AM CDT
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    Nebraska Supreme Court Advance Sheets
    307 Nebraska Reports
    THOMAS v. PETERSON
    Cite as 
    307 Neb. 89
    Trina L. Thomas, appellant, v. The Honorable
    Douglas J. Peterson, Attorney General of the
    State of Nebraska, in his official capacity, and
    the Honorable Robert B. Evnen, Secretary
    of State of the State of Nebraska, in
    his official capacity, appellees,
    and Albert Davis III et al.,
    intervenors-appellees.
    ___ N.W.2d ___
    Filed September 10, 2020.   No. S-20-596.
    1. Judgments: Jurisdiction. A jurisdictional question which does not
    involve a factual dispute is a matter of law.
    2. Statutes: Appeal and Error. Statutory interpretation presents a question
    of law, for which an appellate court has an obligation to reach an inde-
    pendent conclusion irrespective of the decision made by the court below.
    3. Initiative and Referendum. Whether a ballot title is insufficient or
    unfair is a question of law.
    4. Judgments: Appeal and Error. On questions of law, an appellate court
    is obligated to reach a conclusion independent of the decision by the
    trial court.
    5. Appeal and Error. When reviewing the trial court’s factual findings, an
    appellate court reviews for clear error.
    6. Statutes: Appeal and Error. Statutory language is to be given its plain
    and ordinary meaning, and an appellate court will not resort to inter-
    pretation to ascertain the meaning of words which are plain, direct, and
    unambiguous.
    7. Statutes: Jurisdiction. Jurisdictional statutes must be strictly construed.
    8. Legislature: Intent. The intent of the Legislature is generally expressed
    by omission as well as by inclusion.
    9. Statutes: Appeal and Error. An appellate court is not at liberty to add
    language to the plain terms of a statute to restrict its meaning.
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    10. Appeal and Error. An appellate court will not consider an issue on
    appeal that was not passed upon by the trial court.
    11. Evidence. Unless an exception applies, only a preponderance of evi-
    dence is required in civil cases.
    12. Public Officers and Employees: Presumptions. Absent contrary evi-
    dence, public officers are presumed to faithfully perform their offi-
    cial duties.
    13. Initiative and Referendum: Proof. A deferential standard is to be
    applied to a ballot title prepared by the Attorney General, and a dissatis-
    fied person must prove by the greater weight of the evidence that the
    ballot title is insufficient or unfair.
    14. Initiative and Referendum. A ballot title is sufficient if it recites the
    general purposes of the proposed law and if the ballot title contains
    enough information to sufficiently advise voters of the true contents of
    the proposed law.
    Appeal from the District Court for Lancaster County: Lori
    A. Maret, Judge. Affirmed.
    J.L. Spray and Stephen D. Mossman, of Mattson Ricketts
    Law Firm, for appellant.
    Douglas J. Peterson, Attorney General, Ryan S. Post, and L.
    Jay Bartel, for appellees.
    Mark C. Laughlin and Daniel J. Gutman, of Fraser Stryker,
    P.C., L.L.O., for intervenors-appellees.
    Heavican, C.J., Miller-Lerman, Cassel, Stacy, Funke,
    Papik, and Freudenberg, JJ.
    Per Curiam.
    Trina L. Thomas appealed to the district court from the
    Attorney General’s submission of an explanatory statement
    and ballot title for an initiative petition that would amend
    provisions of the Delayed Deposit Services Licensing Act (the
    Act), Neb. Rev. Stat §§ 45-901 to 45-931 (Reissue 2016 &
    Cum. Supp. 2018). The court found that it lacked jurisdiction
    to review the explanatory statement, and it certified the bal-
    lot title prepared by the Attorney General. Thomas appeals,
    requesting that this court hold that the inclusion of the phrase
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    THOMAS v. PETERSON
    Cite as 
    307 Neb. 89
    “payday lenders” creates an insufficient and unfair ballot title.
    We affirm.
    BACKGROUND
    Albert Davis III; Thomas A. Wagoner, Jr.; and Fr. Damian
    Zeurlein are the sponsors of an initiative petition that would
    establish a 36-percent statutory cap on the annual percentage
    rate that may be charged by delayed deposit services licens-
    ees. 1 To achieve its objective of reducing the amount that
    licensees can charge, the initiative petition seeks to amend
    Nebraska statutes to prohibit licensees from evading the new
    rate cap and to deem any transaction in violation void and
    uncollectible.
    On June 25, 2020, the sponsors submitted signatures to the
    Secretary of State for validation. In accordance with 
    Neb. Rev. Stat. § 32-1410
    (1) (Reissue 2016), on July 8, the Secretary
    of State transmitted a copy of the measure to the Attorney
    General. On July 20, the Attorney General transmitted to the
    Secretary of State the explanatory statement and ballot title to
    be placed on Nebraska’s November 3 general election ballot.
    The text of the explanatory statement and ballot title prepared
    by the Attorney General is as follows:
    [EXPLANATORY STATEMENT]
    A vote “FOR” will amend Nebraska statutes to: (1)
    reduce the amount that delayed deposit services licensees,
    also known as payday lenders, can charge to a maximum
    annual percentage rate of thirty-six percent; (2) prohibit
    payday lenders from evading this rate cap; and (3) deem
    void and uncollectable any delayed deposit transaction
    made in violation of this rate cap.
    A vote “AGAINST” will not cause the Nebraska statutes
    to be amended in such manner. [(Emphasis in original.)]
    [BALLOT TITLE]
    Shall Nebraska statutes be amended to: (1) reduce
    the amount that delayed deposit services licensees, also
    1
    See § 45-902.
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    known as payday lenders, can charge to a maximum
    annual percentage rate of thirty-six percent; (2) prohibit
    payday lenders from evading this rate cap; and (3) deem
    void and uncollectable any delayed deposit transaction
    made in violation of this rate cap?
    Dissatisfied with the Attorney General’s submission, on July
    27, 2020, Thomas, a resident of Lancaster County, a taxpayer,
    a registered voter, and an operator of Paycheck Advance, a
    delayed deposit services business, filed a “Complaint and
    Ballot Title Appeal,” pursuant to § 32-1410(3), in the dis-
    trict court for Lancaster County. Thomas named the Attorney
    General and the Secretary of State, in their official capacities,
    as defendants. Thomas alleged that the explanatory statement
    and ballot title are insufficient and unfair, because they use
    “the slang term ‘payday lenders.’” Thomas alleged that the
    term “payday lenders” is not contained within § 45-918 or
    § 45-919, the provisions of the Act which the initiative peti-
    tion seeks to amend. Thomas alleged the explanatory state-
    ment and ballot title are “deceptive to the voters as [they]
    unfairly cast[] the measure in a light that would prejudice the
    vote in favor of the initiative.” Thomas prayed that the court
    remove the phrase “also known as payday lenders” and cer-
    tify a modified explanatory statement and ballot title to the
    Secretary of State.
    The Attorney General and Secretary of State filed a joint
    answer. They alleged that under § 32-1410(3), the court is
    authorized to review only the ballot title and lacks jurisdic-
    tion to alter the explanatory statement. They alleged that the
    ballot title provided by the Attorney General is sufficient, fair,
    and not misleading and that thus, a different ballot title is not
    warranted.
    The court granted a complaint in intervention filed by the
    sponsors. The sponsors alleged that the term “payday lenders”
    is sufficient and fair and that it provides an accurate description
    of what the initiative petition would accomplish. They alleged
    that the payday loan industry identifies licensees as “payday
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    lenders” and that the term is used by Nebraska’s Department
    of Banking and Finance (DBF) and the general public. They
    stated that Thomas did not allege that the general public knows
    the meaning of the term “delayed deposit services licensee.”
    Therefore, the sponsors contended, Thomas’ alternative lan-
    guage would increase the likelihood of voter confusion.
    The court held a hearing on the matter on August 10,
    2020. The court received affidavits with attached exhibits from
    Thomas, the Attorney General and the Secretary of State, and
    the sponsors. Thomas argued that the term “payday lenders”
    is not present in the measure and, except for one provision, 2
    is not present in the Act. Thomas argued that according to
    the DBF’s interpretive opinion No. 8 filed in 2014, which she
    offered into evidence, licensees do not offer loans. She argued
    that licensees are not lenders, because they charge a fee, and
    therefore including the phrase “also known as payday lenders”
    would be unfair because it makes the initiative petition “some-
    thing else than what it is.”
    On August 19, 2020, the court issued a written order enter-
    ing judgment in favor of the Attorney General, the Secretary
    of State, and the sponsors. That court found that it lacked
    jurisdiction to review the explanatory statement prepared by
    the Attorney General, because § 32-1410(3) states that “[a]ny
    person who is dissatisfied with the ballot title provided by the
    Attorney General for any measure may appeal from his or her
    decision to the district court . . . .” (Emphasis supplied.)
    The court also found that a deferential standard applied to
    its review of the ballot title prepared by the Attorney General.
    In doing so, the court relied upon previous orders from the
    district court for Lancaster County which found that in cases
    brought under § 32-1410(3), the court will not alter a ballot
    title absent clear evidence that the proposed language is insuf-
    ficient or unfair.
    2
    § 45-920(2).
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    THOMAS v. PETERSON
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    307 Neb. 89
    The court found no legal support for Thomas’ argument
    that the term “payday lenders” “is not part of the statute being
    amended by the initiative petition.” The court further found
    that the Attorney General satisfied the requirement under
    § 32-1410(1) that the ballot title “shall express the purpose of
    the measure in not exceeding one hundred words.” The court
    determined that the term “payday lenders” is not improper,
    as it is familiar to the general public. The court relied upon
    the DBF’s interpretive opinion No. 8, which states in rel-
    evant part:
    The definition of “delayed deposit services business”
    does not include offering loans. The [DBF] interprets this
    to mean that delayed deposit transactions are not recog-
    nized as loans, and therefore, should not be represented as
    loans by the licensee.
    In order to operate in accordance with the Act, a
    licensee may use the phrase “payday loan” in its advertis-
    ing, signage, coupons, contracts, or other customer con-
    tacts, but may not use the term “loan” by itself for any
    purpose. . . . Licensees may not be listed, or advertise,
    in a telephone book under the Loans section. Permissible
    telephone book sections include: Cash Advance Services,
    Payday Loan, and Payroll Advancement.
    The court found that Thomas “failed to meet her burden to
    demonstrate that the Attorney General’s ballot title is clearly
    insufficient or unfair.” The court’s order stated:
    The ballot title clearly expresses that the purpose of the
    measure is to prevent the licensees from imposing an
    annual percentage rate greater than thirty-six percent by
    rendering any transaction in violation of this requirement
    void and uncollectable, and to prohibit the licensees from
    evading this requirement. The Court cannot perceive how
    the inclusion of the term “payday lenders,” which is used
    by the licensees, the [DBF], and the general public alike,
    would deceive or mislead voters into supporting the ini-
    tiative. Thus, the Court finds that the Attorney General’s
    ballot title is sufficient and fair.
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    THOMAS v. PETERSON
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    Thomas timely appealed. We moved the case to our docket
    and granted expedited review.
    ASSIGNMENTS OF ERROR
    Thomas assigns, restated, that the district court erred in (1)
    concluding that it lacked jurisdiction to review the explanatory
    statement, (2) relying upon evidence other than the initiative
    measure, (3) applying a deferential standard in reviewing the
    Attorney General’s proposed ballot title, and (4) failing to find
    that the explanatory statement and ballot title are insufficient
    or unfair.
    STANDARD OF REVIEW
    [1-5] A jurisdictional question which does not involve a
    factual dispute is a matter of law. 3 Statutory interpretation
    presents a question of law, for which an appellate court has an
    obligation to reach an independent conclusion irrespective of
    the decision made by the court below. 4 Whether a ballot title
    is insufficient or unfair is a question of law. 5 On questions of
    law, an appellate court is obligated to reach a conclusion inde-
    pendent of the decision by the trial court. 6 When reviewing the
    trial court’s factual findings, we review for clear error. 7
    ANALYSIS
    No Jurisdiction Over
    Explanatory Statement
    This court has not previously had occasion to address
    the legal standards governing ballot title challenges under
    § 32-1410. Before reaching the legal issues presented for
    3
    Christensen v. Gale, 
    301 Neb. 19
    , 
    917 N.W.2d 145
     (2018).
    4
    Hargesheimer v. Gale, 
    294 Neb. 123
    , 
    881 N.W.2d 589
     (2016).
    5
    See Humane Society of Missouri v. Beetem, 
    317 S.W.3d 669
     (Mo. App.
    2010).
    6
    See Stewart v. Advanced Gaming Tech., 
    272 Neb. 471
    , 
    723 N.W.2d 65
    (2006).
    7
    See Eicher v. Mid America Fin. Invest. Corp., 
    275 Neb. 462
    , 
    748 N.W.2d 1
     (2008).
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    review, it is the duty of an appellate court to determine whether
    it has jurisdiction over the matter before it. 8
    Here, the district court determined that it lacked jurisdiction
    to review the explanatory statement prepared by the Attorney
    General, reasoning that under § 32-1410(3), the Legislature
    did not provide the courts the authority to review anything
    other than the ballot title. On appeal, the Attorney General,
    the Secretary of State, and the sponsors agree with the district
    court’s interpretation. Thomas disagrees and argues that a
    ballot title and explanatory statement are inextricably linked
    under § 32-1410 and that thus, the district court had jurisdic-
    tion to review both. Upon de novo review, we conclude that
    under the plain text of § 32-1410, the district court’s jurisdic-
    tion extends only to the ballot title and not to the explana-
    tory statement.
    [6-9] Statutory language is to be given its plain and ordi-
    nary meaning, and an appellate court will not resort to inter-
    pretation to ascertain the meaning of words which are plain,
    direct, and unambiguous. 9 Jurisdictional statutes must be
    strictly construed. 10 The intent of the Legislature is generally
    expressed by omission as well as by inclusion. 11 We are not at
    liberty to add language to the plain terms of a statute to restrict
    its meaning. 12
    Section 32-1410 indicates that any person who is dissatis-
    fied with the ballot title provided by the Attorney General for
    any measure may appeal from his or her decision to the dis-
    trict court. Nothing within the text of the statute authorizes an
    appeal when a person is dissatisfied with an explanatory state-
    ment. As such, § 32-1410 did not authorize the district court to
    consider Thomas’ challenge to the explanatory statement. We
    8
    Webb v. Nebraska Dept. of Health & Human Servs., 
    301 Neb. 810
    , 
    920 N.W.2d 268
     (2018).
    9
    Chambers v. Lautenbaugh, 
    263 Neb. 920
    , 
    644 N.W.2d 540
     (2002).
    10
    Lombardo v. Sedlacek, 
    299 Neb. 400
    , 
    908 N.W.2d 630
     (2018).
    11
    
    Id.
    12
    
    Id.
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    express no opinion as to whether Thomas had any other path
    to assert an appeal based on the explanatory statement, nor
    have we been asked to consider another path.
    If there truly is no mechanism to challenge the Attorney
    General’s explanatory statement, that could lead to a curious
    result. If, for instance, the district court found that the ballot
    title contained language which was insufficient or unfair and
    that same language was contained within the explanatory state-
    ment, the district court would lack authority under § 32-1410
    to address the offending language in the explanatory statement.
    When possible, an appellate court will try to avoid a statutory
    construction that would lead to an absurd result. 13 However,
    based on our disposition of this matter more fully discussed
    below, we cannot say in this case that the potential for a hypo-
    thetical insufficient or unfair explanatory statement that is
    unalterable is so absurd that the Legislature could not possibly
    have intended it. Accordingly, we believe it best to leave any
    corrective action regarding § 32-1410 to the Legislature. 14
    Evidence Argument Not Presented
    [10] Thomas’ next argument is that the court erred in receiv-
    ing and considering evidence beyond the initiative petition
    measure. However, it is clear that Thomas did not assert this
    argument during the proceedings in district court. Thomas
    herself requested that the court consider evidence beyond the
    measure, and the court granted that request and relied upon
    evidence adduced by Thomas. While Thomas lodged eviden-
    tiary objections to other exhibits, she did not argue that a court
    is prohibited from considering evidence outside the measure in
    a ballot title appeal. We will not consider Thomas’ argument.
    An appellate court will not consider an issue on appeal that
    was not passed upon by the trial court. 15
    13
    First Nat. Bank of Omaha v. Davey, 
    285 Neb. 835
    , 
    830 N.W.2d 63
     (2013).
    14
    See Lombardo, 
    supra note 10
    . See, also, Antonin Scalia & Bryan A.
    Garner, Reading Law: The Interpretation of Legal Texts 234-39 (2012).
    15
    Siedlik v. Nissen, 
    303 Neb. 784
    , 
    931 N.W.2d 439
     (2019).
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    Burden of Proof
    The next issue before this court is the appropriate burden
    of proof for a court to apply in a ballot title challenge under
    § 32-1410. This raises a matter of first impression under
    Nebraska law.
    [11] Section 32-1410(3) states that the person who has
    appealed the Attorney General’s decision to the district court
    “shall file a petition asking for a different title and setting forth
    the reasons why the title prepared by the Attorney General is
    insufficient or unfair.” Section 32-1410(3) establishes that in
    a ballot challenge proceeding, the burden of proof is on the
    challenger to prove that the ballot title is insufficient or unfair.
    The trial court here relied upon decades of unchallenged rul-
    ings in the Lancaster County District Court and found that a
    challenger to a ballot title fails to sustain its burden of proof
    unless it can establish that a ballot title is clearly insufficient or
    unfair. Thomas argues on appeal that the court erred by adding
    “clearly” to § 32-1410(3). We agree. Although § 32-1410(3)
    does not specify a burden of proof to be applied by a court,
    unless an exception applies, only a preponderance of evidence
    is required in civil cases. 16
    [12] Section 32-1410(3) begins with the presumption that
    the ballot title prepared by the Attorney General is valid, and
    it places the burden upon the dissatisfied party to dispel this
    presumption. This is consistent with the long-held principle in
    Nebraska that, absent contrary evidence, public officers are pre-
    sumed to faithfully perform their official duties. 17 “The process
    of producing a 100 word purpose statement that constitutes a
    ‘true and impartial explanation’ of the measure ‘involves a
    16
    In re Application No. OP-0003, 
    303 Neb. 872
    , 
    932 N.W.2d 653
     (2019).
    17
    County of Webster v. Nebraska Tax Equal. & Rev. Comm., 
    296 Neb. 751
    ,
    
    896 N.W.2d 887
     (2017). See, also, In re App. No. C-4973 of Skrdlant, 
    305 Neb. 635
    , 
    942 N.W.2d 196
     (2020); Johnson v. Neth, 
    276 Neb. 886
    , 
    758 N.W.2d 395
     (2008); State v. Gales, 
    269 Neb. 443
    , 
    694 N.W.2d 124
     (2005);
    Nye v. Fire Group Partnership, 
    263 Neb. 735
    , 
    642 N.W.2d 149
     (2002);
    State v. Hess, 
    261 Neb. 368
    , 
    622 N.W.2d 891
     (2001).
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    degree of discretion entrusted to the Attorney General by the
    Legislature that we will not overturn absent noncompliance
    with the statute.’” 18
    Other states have adopted similar standards. The Supreme
    Court of South Dakota has explained, because the Attorney
    General is charged with the statutory duty of preparing a ballot
    title, a court’s review of a challenge to the Attorney General’s
    submission serves a limited function. 19 “‘We merely deter-
    mine if the Attorney General has complied with his statutory
    obligations and we do not sit as some type of literary editorial
    board.’” 20 Similarly, the Supreme Court of North Dakota has
    aptly stated that “[i]f the ballot title is neither misleading nor
    unfair, it is not our responsibility to draft a better one.” 21
    [13] As a matter of first impression, we hold that a defer-
    ential standard is to be applied to a ballot title prepared by the
    Attorney General and that a dissatisfied person must prove by
    the greater weight of the evidence that the ballot title is insuf-
    ficient or unfair.
    Ballot Title Not
    Insufficient or Unfair
    Turning to the merits, Thomas contends that the ballot title
    prepared by the Attorney General and certified by the district
    court is insufficient and unfair under § 32-1410(3) and that
    the ballot title should be modified to remove the phrase “also
    known as payday lenders.” Thomas argues that the term “pay-
    day lenders” is not found in the measure nor the Act, that the
    term “lenders” is misleading because licensees do not offer
    loans, and that the term “payday lenders” is a slang term
    18
    Montana Consumer Finance Ass’n v. State, 
    357 Mont. 237
    , 243, 
    238 P.3d 765
    , 768 (2010).
    19
    Ageton v. Jackley, 
    878 N.W.2d 90
     (S.D. 2016).
    20
    
    Id. at 96
    , quoting Schulte v. Long, 
    687 N.W.2d 495
     (S.D. 2004) (superseded
    by statute as stated in SD AFL-CIO v. Jackley, 
    786 N.W.2d 372
     (S.D.
    2010)).
    21
    Municipal Services Corp. v. Kusler, 
    490 N.W.2d 700
    , 703 (N.D. 1992).
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    which prejudices voters. Based on the record before us, and
    applying our newly adopted burden of proof, we agree with
    the district court that none of Thomas’ arguments have any
    merit. Therefore, Thomas failed to carry her burden to prove
    that the ballot title prepared by the Attorney General is insuf-
    ficient or unfair.
    Section 32-1410(1) provides that the ballot title “shall express
    the purpose of the measure in not exceeding one hundred
    words” and “shall be so worded that those in favor of adopting
    the measure shall vote For and those opposing the adoption
    of the measure shall vote Against.” Section 32-1410(3) pro-
    vides that “[a]ny person who is dissatisfied with the ballot title
    provided by the Attorney General” may appeal to the district
    court and file a petition setting forth the reasons why the ballot
    title is “insufficient or unfair.” The word “insufficient” means
    “‘“inadequate; especially lacking adequate power, capacity, or
    competence.”’” 22 The word “unfair” means to be “‘“marked by
    injustice, partiality, or deception.”’” 23
    [14] A ballot title is sufficient if it recites the general pur-
    poses of the proposed law and if the ballot title contains enough
    information to sufficiently advise voters of the true contents of
    the proposed law. 24 A court’s task is not to require or draft the
    perfect proposed ballot title in an initiative election, but merely
    to determine if the title presented is legally sufficient. 25 In
    reviewing a ballot title, the court must not concern itself with
    the merit or lack of merit of the proposed measure, because
    that determination rests with the electorate. 26
    22
    Beetem, supra note 5, 
    317 S.W.3d at 673
    .
    23
    
    Id.
    24
    See, In re Initiative Petition No. 347 State Question No. 639, 
    813 P.2d 1019
     (Okla. 1991); 82 C.J.S. Statutes § 173 (2009).
    25
    Cox v. Daniels, 
    374 Ark. 437
    , 
    288 S.W.3d 591
     (2008); 42 Am. Jur. 2d
    Initiative and Referendum § 45 (2020); 82 C.J.S., supra note 24, § 172.
    26
    Kusler, supra note 21.
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    In Brown v. Carnahan, 27 the Supreme Court of Missouri
    considered a ballot challenge to a payday loan initiative that
    would limit the annual percentage rate for payday, title, install-
    ment, and other high-cost consumer credit and small loans to
    36 percent annually. Because the summary statement stated
    only that the initiative would “‘limit the annual rate of inter-
    est’” without specifying the rate, the trial court found that
    the statement was not fair or sufficient. 28 The trial court
    found that it was necessary to rewrite the statement to qualify
    that the limitation would be 36 percent. The appellate court
    reversed, finding that the summary statement was not mis-
    leading because it accurately communicated the purpose of
    the initiative, which was to limit the permissible interest rate
    for payday loans. The court found that even if the language
    provided by the trial court is more specific, and even if that
    level of specificity might be preferable, whether the summary
    statement prepared by the public official is the best language
    is not the test. Rather, all that is required is that the public
    official prepare a statement which adequately states the con-
    sequences of the initiative without bias, prejudice, deception,
    or favoritism. 29
    Here, Thomas argues that the phrase “payday lenders” cre-
    ates an insufficiency, because the phrase is not part of the
    measure, or the Act, and because licensees do not offer loans.
    However, the phrase “also known as payday lenders” appears
    in the objective statement of the draft initiative petition in
    our record. Moreover, as Thomas acknowledges, § 45-920(2)
    refers to “delayed deposit services businesses, payday lenders,
    or similar entities.” (Emphasis supplied.) In addition, § 45-917
    requires that every licensee, at the time any delayed deposit
    transaction is made, give to the maker of the check a written
    notice which states, in part, “THE LAW DOES NOT ALLOW
    THIS TYPE OF TRANSACTION TO BE MORE THAN FIVE
    27
    Brown v. Carnahan, 
    370 S.W.3d 637
     (Mo. 2012).
    28
    
    Id. at 663
    .
    29
    See Brown, supra note 27.
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    HUNDRED DOLLARS ($500) IN TOTAL, INCLUDING
    FEES AND CHARGES, FROM ONE LENDER.” (Emphasis
    supplied.) Additionally, Paycheck Advance’s own deferred
    deposit agreement, offered into evidence by Thomas, refer-
    ences the agreement as a “Truth-In Lending Act Disclosure.”
    Lastly, the DBF’s interpretive opinion No. 8 offered into evi-
    dence by Thomas provides that licensees are permitted to use
    the term “payday loan” in advertising. Thomas has not asserted
    any other reasons why the ballot title does not provide an
    accurate description of the initiative petition’s purpose, which
    is to prevent licensees from imposing an annual percentage
    rate greater than 36 percent and to enforce this requirement by
    rendering any transaction in violation of this requirement void
    and uncollectible.
    Thomas argues that the term “payday lenders” creates an
    unfairness, because it is a slang term. However, Thomas has
    not offered any evidence to support this position. This is not a
    case where a colloquial term is substituted for a statutory term;
    rather, it supplements the statutory term with a commonly used
    term. We agree with the district court that the term “payday
    lenders” would not deceive or mislead voters regarding the ini-
    tiative petition, because the record shows “payday lenders” is a
    term commonly known by the general public and used within
    the payday loan industry. We further agree with the district
    court that the Attorney General’s decision to use “payday lend-
    ers” clarifies the measure, because no evidence was presented
    that the general public knows the meaning of the term “delayed
    deposit services licensees.” As a result, Thomas has failed to
    carry her burden.
    CONCLUSION
    For the foregoing reasons, we affirm the judgment of the
    district court, which certified the ballot title prepared by the
    Attorney General.
    Affirmed.