Short-Term Credit Underwriting, TILA APR & State Usury Laws
Technical whitepapers, statutory rate matrices, EFTA banking rights, and emergency budgeting resources from the Consumer Credit Review Board.
Emergency Cash Flow & Liquidity Alternatives: 7 Low-Cost Substitutes to High-Interest Payday Loans
Discover 7 low-cost liquidity alternatives to high-interest payday loans. Learn about NCUA Payday Alternative Loans (PALs), Earned Wage Access, hospital charity care, and emergency budgeting.
Read Guide →Fintech InnovationEarned Wage Access (EWA) vs. Traditional Payday Advances: Fee Mechanics, Regulatory Classification & CFPB Rules
Compare Earned Wage Access (EWA) against traditional payday advances. Understand employer-partnered vs D2C models, tip and expedited fee APR math, and CFPB credit rules.
Read Guide →Federal RegulationsMilitary Lending Act (MLA) 36% MAPR Protections: Active Duty Covered Borrower Rights & Safe Harbor Verification
Comprehensive guide to Military Lending Act (MLA) 36% MAPR rate caps under 10 U.S.C. § 987. Understand covered borrower rules, fee inclusions, DMDC safe harbor, and void ab initio remedies.
Read Guide →Underwriting & ScoringSpecialty Alternative Credit Bureaus: How Teletrack, Clarity Services & Experian Score Small-Dollar Credit
Discover how specialty alternative credit bureaus like Teletrack, Clarity Services, and FactorTrust score small-dollar borrowers. Learn about asymmetric reporting and FCRA dispute rights.
Read Guide →Consumer RightsFair Debt Collection Practices Act (FDCPA): Post-Default Protections, Harassment Bans & Wage Garnishment Limits
Master your post-default rights under the Fair Debt Collection Practices Act (FDCPA). Learn how Regulation F stops harassment, explore wage garnishment limits, and assert debt validation.
Read Guide →Banking LawElectronic Fund Transfer Act (EFTA) & Regulation E: Mandatory ACH Debit Limits, Stop Payments & Revocation
Master the Electronic Fund Transfer Act (EFTA) and Regulation E rules for small-dollar loans. Understand the compulsory use ban, ACH revocation, stop payments, and Nacha R07/R10 codes.
Read Guide →Lending RegulationsTribal Lending Entities & Sovereign Immunity: Federal Court Rulings, Choice-of-Law & Consumer Rights
Comprehensive legal analysis of tribal lending entities and sovereign immunity. Examine the arm-of-the-tribe doctrine, Breakthrough factors, circuit court rulings, and consumer defense rights.
Read Guide →State Regulations50-State Payday Lending Statutory Matrix: Permitted Jurisdictions, Usury Rate Caps & True Lender Rules
Comprehensive 50-state payday lending statutory guide. Learn which states enforce 36% APR caps, analyze regulated fee schedules, and understand True Lender rent-a-bank doctrines.
Read Guide →Credit ComparisonShort-Term Credit Structures Compared: Single-Payment Balloon Loans, Amortizing Installments & Revolving LOCs
Compare short-term credit formats: single-payment payday balloon loans, multi-month amortizing installment credit, and revolving lines of credit. Master amortization physics and simple interest.
Read Guide →Lending RegulationsTruth in Lending Act (TILA) Disclosures: Calculating APR on 14-Day Short-Term Credit & Regulation Z Rules
Deconstruct the mathematical physics of Truth in Lending Act (TILA) Regulation Z APR calculations on 14-day credit. Understand nominal APR vs EAR compounding and Federal Box disclosure rules.
Read Guide →Federal RegulationsCFPB Small-Dollar Lending Regulations: Ability-to-Repay (ATR) Underwriting & Payment Withdrawal Limits
In-depth guide to CFPB small-dollar lending regulations under 12 CFR Part 1041. Learn how the 2-failed-debit rule halts cascading overdraft fees and examine post-CFSA v. CFPB rules.
Read Guide →Consumer ProtectionsEscaping the Payday Loan Debt Cycle: Statutory Extended Payment Plans (EPPs), Rollover Bans & Fee Waivers
Stop the payday loan debt cycle. Learn how statutory Extended Payment Plans (EPPs) and CFSA Best Practice #8 allow borrowers to freeze fees and pay off principal over 60–90 days.
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