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Policy

wants to help you make the best financial decisions and be protected from personal lenders that are dishonest and take part in lending practices that are unethical or unlawful.

Trust and Truth

All of 's policies and practices obey the applicable provisions of fair lending legislature such as the Truth in Lending Act. Before giving your agreement to enter into a loan agreement, the lender is obliged to provide in writing (possibly electronically) details of the particular fees, charges, rates, roll-over charges and any other appropriate details. Visit the section called Rates and Fees on this website to learn more about what you need to think about before signing a loan. 

Fair Lending

The requirements of the Dodd-Frank Wall Street Reform Act means all lenders are involved only in "fair lending" practices. The CFPB (Consumer Financial Protection Bureau) is liable for enforcing fair lending rules and regulations.

Current State Regulations

wants lenders to stick to applicable federal and state conventions. This includes being in compliance with local law regarding fees, interest rates, maximum loan terms, roll-over limits, loan cooling-off periods, and any other terms. Lenders that are an extension of federally recognized Indian Entities Recognized Tribe represent independent sovereign nations and may not have to follow local laws regarding fees, rates, and other loan terms, although these lenders have to follow federal lending laws as in the Truth in Lending Act.