Rate of on loans. acts of nineteen hundred fifteen, being sections six thousand thirty-one to six thousand thirty-nine, inclusive, of the compiled laws of nineteen hundred fifteen, and all acts and parts of acts inconsistent with the provisions of this act. SEC. 13. Every person, co-partnership and corporation interest, etc., licensed hereunder may loan any sum of money not exceeding in amount the sum of three hundred dollars, and may charge, contract for and receive thereon interest at a rate not to exceed three and one-half per centum per month. Interest shall not be payable in advance or compounded and shall be computed on unpaid balances. In addition to the interest herein provided for, no further or other charge or amount whatsoever for any examination, service, brokerage, commission or other thing or otherwise shall be directly or indirectly charged, contracted for or received, except the lawful fees, if any, actually and necessarily paid out by the licensee to any public officer for filing or recording or releasing in any public office any instrument securing the loan, which fees may be collected when the loan is made or at any time thereafter. If interest or charges in excess of those permitted by this act shall be charged, contracted for or received, the contract of loan shall be void and the licensee shall have no right to collect or receive any principal, interest or charges whatsoever. No licensee shall, directly or indirectly, charge, contract for or receive any interest or consideration greater than seven per centum per annum upon the loan, use or forbearance of money, goods or things in action, or upon the loan, use or sale of credit, of the amount or value of more than three hundred dollars. The foregoing prohibition shall also apply to any licensee who permits any person, as borrower, or as endorser, guarantor or surety for any borrower, or otherwise, to owe, directly or contingently, or both, to the licensee at any time the sum of more than three hundred dollars for principal. SEC. 14. Every licensee shall: Limit. Statement delivered to borrower. Deliver to the borrower at the time a loan is made, a statement in the English language showing in clear and distinct terms the amount and date of the loan and of its maturity, the nature of the security, if any, for the loan, the name and address of the borrower and of the licensee, and the rate of interest charged. Upon such statement there shall be printed in English a copy of section thirteen of this act; Give to the borrower a plain and complete receipt for all payments made on account of any such loan at the time such payments are made; Permit payment of the loan in whole or in part prior to its maturity with interest on such payment to the date thereof; Upon repayment of the loan in full mark indelibly every paper signed by the borrower with the word "paid" or "cancelled", and release any mortgage, restore any pledge, cancel and return any note, and cancel and return any assignment given by the borrower as security. deemed SEC. 15-a. The payment of three hundred dollars or less in What money, credit, goods or things in action as a consideration loan. for any sale, assignment or order for the payment of wages, salary, commissions or other compensation for services, whether earned or to be earned, shall be deemed a loan within the provisions of this act secured by such assignment; and the amount by which such assigned compensation exceeds such payment shall be deemed interest upon such loan from the date of such payment to the date such compensation is payable. Such loan and such assignment shall be governed by and subject to the provisions of this act. etc. SEC. 16. No assignment of or order for the payment of Assignment any salary, wages, commissions or other compensation for of wages, services earned or to be earned, given to secure any such loan shall be valid unless the amount of such loan is paid to the borrower simultaneously with its execution; nor shall any such assignment or order, or any chattel mortgage or other lien on household furniture then in the possession and use of the borrower be valid unless it be in writing signed in person by the borrower; nor, if the borrower is married, unless it be signed in person by both husband and wife: Pro- Proviso. vided, That written assent of a spouse shall not be required when husband and wife have been living separate and apart for a period of at least five months prior to such assignment, order, mortgage or lien. Under any such assignment or order for the payment of future salary, wages, commissions or other compensation for services, given as security for a loan made under this act, a sum equal to ten per centum of the bor rower's salary, wages, commissions or other compensation for services shall be collectible from the employer of the borrower by the licensee at the time of each payment of salary, wages, commissions or other compensation for services from the time that a copy of such assignment verified by the oath of the licensee or his agent, together with a similarly verified statement of the amount unpaid upon such loan, is served upon the employer. Approved May 5, 1925. Act amended. Section added. Branch laboratories. Proviso. [No. 182.] AN ACT to amend act number one hundred forty-six of the public acts of nineteen hundred nineteen, entitled "An act to protect the public health; to provide for the appointment of a state health commissioner, deputy state health commissioner and state advisory council of health; to prescribe the compensation, powers and duties thereof, the powers and duties of township, village and city health officers and health boards; and to abolish the state board of health," by adding thereto a new section to stand as section thirteen of said act. The People of the State of Michigan enact: SECTION 1. Act number one hundred forty-six of the public acts of nineteen hundred nineteen, entitled "An act to protect the public health; to provide for the appointment of a state health commissioner, deputy state health commissioner and state advisory council of health; to prescribe the compensation, powers and duties thereof, the powers and duties of township, village and city health officers and health boards; and to abolish the state board of health." is hereby amended by adding thereto a new section to stand as section thirteen of said act, said added section to read as follows: SEC. 13. Subject to the approval of the state administrative board the state health commissioner is authorized and empowered to establish, equip and maintain such number of branch bacteriological laboratories at suitable places within the state as may be found necessary for the proper protection of the public health and the furnishing of adequate laboratory service to those entitled thereto: Provided, however, That such number of branch laboratories, including the laboratory now maintained in the upper peninsula, shall not exceed three. Approved May 5, 1925. [No. 183.] AN ACT to authorize the conversion of the industrial home for girls at Adrian into the girls' training school, continuing said school under the control of the state corrections commission; prescribing who may be admitted thereto, the powers and duties of the officers immediately in charge of said school, the character and extent of discipline and training to be enforced and provided therein, the compensation of the officers, teachers and other assistants appointed or hired in said institution, and penalties for violations of certain provisions of this act. The People of the State of Michigan enact: established. SECTION 1. There is hereby authorized and established at Girls' trainthe city of Adrian, an institution to be known and designated ing school as the girls' training school for purposes and to be governed as herein prescribed and provided. The lands, buildings, equipment and appurtenances of the industrial home for girls at Adrian, are hereby set aside, conveyed and converted to the use of said girls' training school, and the name and designation of the industrial home for girls is hereby abolished and discontinued; and wherever the name industrial home for girls appears in any statute of this state, it shall be taken and deemed to mean girls' training school. SEC. 2. Who may be admitted. All girls now attending or who held in said industrial home for girls or paroled or apprenticed admitted. therefrom or belonging thereto, shall continue under the authority of the girls' training school according to the orders of the several courts which sent them there in the first instance; and all girls hereafter sent to said girls' training school under the provisions of act number six of the public acts of nineteen hundred seven, extra session, shall be admitted thereto according to the terms of said act, and in that respect the said girls' training school shall be deemed to be the successor to the said industrial home for girls. SEC. 3. The said girls' training school shall be under the Control of. general control and management of the state corrections commission to the same extent as provided in act number one hundred sixty-three of the public acts of nineteen hundred twenty-one for the industrial home for girls, and as further expressly provided for in this act. The said state corrections commission shall appoint the superintendent and all other officers, teachers, attendants and assistants, subject to the approval of the governor, and shall fix their salaries, compensation and authorize the payment of their necessary expenses, subject to the approval of the state administrative board and in accordance with the accounting and budget laws,. rules and regulations of the state. Officers. Relationship of state. Rules, etc., scribe. SEC. 4. The officers in immediate charge of said girls' training school shall consist of a superintendent, who shall be responsible for the conduct, discipline, educational and business affairs of said school; an assistant superintendent, who shall act for and in the absence or disability of said superintendent and who shall perform such other duties as may be assigned him by said superintendent or the state corrections commission; and such teachers, attendants, instructors, medical officers and helpers as may be necessary as the said state corrections commission may determine from time to time subject to the provisions of section three of this act. SEC. 5. The state shall at all times stand in the place and relationship of parent and legal guardian to each girl sent to said girls' training school during her residence therein or while under the control thereof; and the superintendent shall represent the state in such relationships. Each girl sent to such school shall be subject to the training, education and discipline herein prescribed and to the rules and regulations of said school, and shall remain therein until graduation or discharge therefrom as herein provided. No girl attending such school shall absent herself therefrom or from any school class, task or duty prescribed for her without leave or permission from said superintendent. Whenever any girl absents herself without leave beyond the limits of said school she may be retaken thereto by any police or other public officer or agent without warrant, and it shall be the duty of every person having knowledge of the whereabouts of such girl to immediately notify the superintendent of said school of such fact, and also the nearest public official and to hold said girl in detention until she can be delivered up for return to said school. SEC. 6. The state corrections commission shall prescribe who to pre- rules and regulations for the discipline of said school to carry out the purposes thereof, which shall be subject to the advice and approval of the governor. Said commission shall also prescribe a complete and graduated course of study for the girls within such school, equal and as near as may be similar to the grades up to the twelfth grade in the public schools of this state. Said commission shall also provide the means and equipment, and competent instructors for the teaching of useful arts and occupations, including domestic science, to the pupils therein. Certificates of proficiency in each year's work and of promotion from grade to grade shall be given each pupil, and upon full graduation from said school each pupil shall be entitled to and given an eligibility certificate showing her scholastic and technical class standing, which certificate shall be signed and authorized by the superintendent of public instruction of the state and shall bear no other signaturę. Clothing, etc., furnished. SEC. 7. The girls attending said girls' training school shall be furnished clothing and athletic equipment, and given instruction in gymnastics and athletics. It shall be the duty of the officers connected with said school to stimulate esprit in |