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Responsible lending, commitment to fairness.

The Community Financial Services Association of America (CFSA) is the national organization dedicated to advancing financial empowerment for consumers through small dollar, short-term loans. Now in its 16th year, CFSA was established to promote laws and regulations that protect consumers, while preserving their access to credit options, and to support and encourage responsible industry practices.

We believe consumers deserve choices with simple, understandable loan terms and to be treated fairly throughout the process. Whether on Capitol Hill or in the state houses, CFSA has led the way in working with legislators and regulators to pass strong consumer protection laws. We’ve raised standards throughout the industry with our Best Practices. Representing more than half of all payday advance locations, CFSA member stores provide a valued service to communities.

Today, more than 19 million American households count a payday loan among their choice of short-term credit products. We invite you to learn more about CFSA’s commitment to stronger consumer protections, fair lending, and increasing credit access. Continue Reading

Payday Loan Complaints Continue Downward Trend
Latest CFPB report shows 14 percent decline in number of complaints related to payday loans Continue Reading
"CFPB's Payday Rule Poses Real Danger to Lenders"
CFSA CEO responds to calls for the CFPB to issue short-term lending rule without delay. Continue Reading
Payday Loan Complaints Decline in March for 7th Straight Month
Complaints continue a downward trend, decreasing 14 percent, according to a new CFPB report. Continue Reading
New Survey: Borrowers Are Far More Favorable Toward Payday Loans than Voters Without Experience
Support for regulations that end payday loans have least support among those who know and use products. Continue Reading
CFSA Urges CFPB to Enhance Consumer Protections While Allowing Responsible Lenders to Offer Credit
CFSA CEO Urges CFPB to carefully weigh the benefits of small-dollar, short-term lending products, such as payday loans, as it develops new regulations. Continue Reading
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Thanks for visiting the CFSA Web site. CFSA values you as a member and is constantly seeking new ways to enhance your membership experience. As such, the information in this section is restricted to members only. If you are a CFSA member, please enter your username and password. If you have forgotten your login info, send an e-mail to Member@CFSAA.com.

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Here you will find an aggregate of industry research, comprehensive data, and benchmarking tools from the short-term lending industry. They cover all payday advance business areas – consumer demographics, media hits, the latest policy initiatives, among others. Click here to access to the partner's resource library.

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For Our Policymakers

CFSA works at the federal, state, and local levels educate legislators and regulators about the role of payday advances in the broader financial services arena. This section provides resources for policymakers who believe in access to credit, want to preserve financial options and ensure balanced, substantive consumer protections. Click here to enter the Policymaker Resource Library.