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Federal Statutes Protecting Consumers

The Federal Reserve is in charge of implementing numerous federal laws which are intended to protect consumers in credit and other financial matters. It is important to know your rights under the law.

A well-educated consumer is the best protection available.

Truth in Lending Act

One of the most important points of this Act concerns the specific information which must be disclosed to a borrower before finalizing any credit or loan agreement.

Fair Credit Reporting Act

Ensures the fairness, accuracy, and privacy of information gathered on individuals by consumer reporting agencies, such as credit bureaus.

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PaydayAdvance.org is not a lender and does not broker loans or extend credit to consumers. This website’s sole purpose is to share your submitted information with one or more lenders who then makes the loan approval decision independently. Not everyone will qualify for a payday advance loan and approval is not guaranteed.

This website offers its services free of charge. Not every lender can provide the maximum $1000 in loan proceeds. Transfer times vary among lenders and not all lenders offer one hour cash transfer service. Lenders determine their own terms and conditions, including repayment terms. Payday loans are not available in every state and the states participating in this service may change at any time, without notice.