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Policy

wants you to have a degree of protection from deceitful personal lenders and other dishonest businesses that engage in loan practices that are unlawful and unethical so you are able to make good financial decisions.

Trust and Truth

All applicable provisions of fair lending legislation such as the Truth in Lending Act apply to 's practices and policies. Before you give consent to a loan agreement, the lender is legally obliged to provide you in writing (possibly electronically) details of the exact fees, rates, charges, roll-over charges and all other applicable details. To learn more what needs to be considered before signing up for a loan, visit the Rates and Fees section of this website.

Fair Lending

All lenders are required to use only in "fair lending" practices as required by the Dodd-Frank Wall Street Reform Act. The is responsibility for enforcing fair lending rules and regulations falls to the Consumer Financial Protection Bureau (CFPB).

Current State Regulations

Applicable federal and state regulations are something requires lenders to follow. This includes conforming to state law regarding interest rates, fees, maximum loan terms, roll-over limits, cooling-off periods between loans, and any other loan terms. Lenders recognized as an enlargement of an Indian Entities Recognized Tribe can operate as independent sovereign nations. This means they may not be bound to follow the local law regarding fees, rates, and any other loan terms, however these lenders must comply with federal lending laws including the Truth in Lending Act.