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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 15th 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 payday advance 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 at 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.

Which guarantees customers who cannot pay their loan back on time an Extended Payment Plan at no additional fee. 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

CFPB Ignores Plight of Small Businesses Under New Regulatory Proposals
New report suggests Bureau must study potential impacts and consider alertnatives Continue Reading
Payday Lenders Score Win: Operation Choke Point Lawsuit Proceeds to Discovery
New CFPB Report Finds Payday Lending ONLY Industry to See Decline in Customer Complaints
FDIC Inspector General Report Confirms Banks Were Pressured by Agency to Stop Serving Payday Lenders
FDIC used "moral suasion" to dissuade banks from offering payday loan products or providing payment processing for payday lenders Continue Reading
New CFPB Report Demonstrates Vast Majority of Payday Loans are Complaint-Free
Second Monthly Complaint Report Finds Payday Lending Complaints Dwarfed by Credit Reporting, Credit Card, Mortgage, and Debt Collection Industries 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.