Responsible Lending

Our Commitment to Responsible Lending

Although we are not a lender and don't exercise any control over any lenders, we want to make sure all of our users are educated and able to make responsible decisions regarding their loan options.

📜 Truth in Lending Act

All lenders are required to comply with the Truth in Lending Act. Before assuming any obligation on a loan offer, the lender must present you with certain important information, including the exact rates, fees, rollover charges, and other key details. You should review this information very carefully and compare it to all other options available to make sure you are making a responsible decision.

⚖️ Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders, including cash advance lenders, must engage in "fair lending," defined as "fair, equitable, and nondiscriminatory access to credit for consumers." The Consumer Financial Protection Bureau (CFPB) enforces fair lending regulations. Consumers are urged to file a complaint with the CFPB should any problems arise with their loans.

💼 Fair Debt Collection Practices

CashAdvance® supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. All lenders and debt collectors are required to comply with these requirements, which include:

• NOT contacting consumers by phone before 8 a.m. or after 9 p.m.
• NOT contacting consumers with intent to annoy, harass, or use abusive language
• NOT collecting debt through deception or misrepresentation
• NOT threatening legal recourse when no legal action is permitted

🚨 Reporting Scams

CashAdvance® helps consumers report illicit lenders and scam artists seeking to take advantage of those in need. If you receive a phone call from someone claiming to be "Cash Advance" asking for money, it is NOT us — never pay anyone claiming to collect a debt from Cash Advance over the phone.

🏛️ State Regulations

In addition to federal laws, individual states have numerous laws for lending within their borders, including rules on interest rates, rollover limits and fees, maximum loan terms, and cool-off periods. You may receive a loan offer from a lender owned by a federally recognized Indian Tribe — in that case, Tribal law may apply. All lenders must comply with federal law. Consumers should educate themselves about applicable laws.

📞 OLA Consumer Hotline

As a proud member of the Online Lenders Alliance (OLA), Cash Advance® is serious about protecting your personal information. The OLA consumer hotline is a key consumer resource for questions on lending or reporting possible occurrences of fraud.