aims at helping consumers to make smart financial decisions as well as to be protected from unreliable personal lenders and unreputable businesses that have unethical and unlawful lending practices.

Trust and Truth

policies and practices are in compliance with all applicable fair lending provisions like the Truth in Lending Act. Lenders and lending partners have an obligation to provide you a written form (may come in an electronic version) of all details regarding exact rates, fees, roll-over charges, charges, and all other important details about a loan agreement before you agree to enter into that particular loan agreement. To learn what to consider before accepting loan terms, please visit the Fees and Rates section of the Website.

Fair Lending

All lenders and lending partners must engage in “fair lending” only as required by the Dodd-Frank Wall Street Reform Act. Enforcing such fair lending regulations and rules falls under the responsibility of the Consumer Financial Protection Bureau.

Current State Regulations shall encourage lenders and lending partners to follow and abide by all state and federal laws and regulations. This encourages conforming to any local laws in regard to fees, interest rates, maximum loan terms, cool-off periods between two loans, roll-over limits, and all other loan terms. Any lenders and lending partners federally recognized as Indian Entities Recognized Tribe are independent sovereign nations that may not have to abide by local laws when it comes to rates, fees, and other loan terms. Such lenders and lending partners must operate in compliance with federal laws regarding lending, the Truth in Lending Act included.