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Lending Policy is presenting you with this information to help you make responsible lending and borrowing decisions. Keep in mind that we are not a lender, do not broker loans and do not make any credit decisions.

Fair Lending

All lenders are required to comply with various federal laws, including the Truth in Lending Act (TILA). The TILA requires lenders to make certain disclosures to you about your loan before you accept the loan offer. Keep an eye out for these disclosures and review them carefully.

The Dodd-Frank Wall Street Reform Act states that all lenders must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using are urged to file a complaint with the agency should any problems arise with their cash loans.

Fair Debt Collection Practices

The lenders and lending partners in our network are required to comply with the Fair Debt Collection Practices Act. These requirements include:

  • Lenders cannot contact consumers by telephone before 8 a.m. or after 9 p.m.
  • Lenders cannot contact consumers with the intent to annoy, harass, etc., or use abusive language at any time.
  • Lenders cannot collect debt through deception or misrepresentation.
  • Lenders cannot threaten legal recourse when no legal action is permitted.