Every case below is worth understanding, but none of them wipes your balance. That question falls back to your state: in nine states, triple-digit loans are void and nothing is legally owed — which is a stronger position than any settlement.
605 Lending in the court record
The only consumer brand of the Flandreau Santee Sioux Tribe we could confirm — court records name "FSST Management Services LLC d/b/a 605 Lending" (Lessen v. FSST Management Services, C.D. Ill. 3:26-cv-03044; Hillstrom v. FSST, W.D. Wis. 3:24-cv-00491), based at PO Box 305, Flandreau SD. The name is the South Dakota area code.
The dockets name a rent-a-bank layer — Lead Bank as originator, plus Infinity Enterprise Lending Systems and individuals Steve Christensen and Dustin Dernier. Its rates and loan amounts were never published anywhere we could verify. Its own site is live, names its tribal owner and takes applications (checked 2026-10-02).
The cases
The Flandreau Santee Sioux (605 Lending) cases
rulingA rent-a-bank layer named alongside the tribe
The Flandreau Santee Sioux Tribe’s lending arm, FSST Management Services LLC, operates 605 Lending — named in Lessen v. FSST Management Services LLC d/b/a 605 Lending (C.D. Ill. 3:26-cv-03044) and Hillstrom v. FSST (W.D. Wis. 3:24-cv-00491).
What distinguishes these dockets is the rent-a-bank layer: they name Lead Bank as the loan originator, plus Infinity Enterprise Lending Systems and the individuals Steve Christensen and Dustin Dernier. It is an early, pending case — no relief yet.
✕ No payout borrowers can claim
What to do if you are still being collected from
- Check your loan date first. Relief in this industry is bounded by a window, and the boundary is where people lose. A Mountain Summit loan from February 2021 was not cancelled while its sister brands' were; a Lac du Flambeau loan after 1 October 2023 falls outside the $1.4 billion Fitzgerald cancellation.
- Check your state before you negotiate. In nine states, loans above the rate cap are void — nothing is owed regardless of the contract or any settlement. See where tribal loans are void.
- Do not pay to make it stop. A payment can restart the statute of limitations on a debt that may already be unenforceable. It is the most expensive reflex in debt collection.
- Demand written validation within 30 days of first contact: the original agreement, the full payment history, and proof the collector owns the debt. Chains of sale on tribal loans are frequently incomplete.
- Revoke ACH authorization in writing — to the lender and, separately, to your bank. Telling only one of the two is the common mistake.
Our full walkthrough is in how to get out of a tribal loan, and can tribal lenders sue you covers what they can and cannot actually do.
Frequently asked questions
Is there a lawsuit against 605 Lending?
Yes — The Flandreau Santee Sioux (605 Lending) cases (C.D. Ill., W.D. Wis. — pending). Outcome: A rent-a-bank layer named alongside the tribe. It did not produce a payout you can claim.
Do I still owe my 605 Lending loan?
No case has cancelled 605 Lending debt. Whether it is enforceable comes down to your state: in nine states, loans above the rate cap are void and nothing is legally owed regardless of the contract. Elsewhere, demand written validation from anyone collecting.
Can I claim money from a 605 Lending settlement?
There is no live claims site for 605 Lending. In this industry that is the norm rather than the exception: relief, where it exists, is usually automatic — the administrator uses the lender's own records and pays without a form — or it never reaches borrowers at all.