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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.
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CFSA Supports FTC's Actions to Target Abusive Debt Collectors
CFSA applauds FTC actions cracking down on deceptive, unscrupulous and abusive debt collection practices Continue Reading
"Reframing the Debate about Payday Lending"
A Federal Reserve Bank of New York report finds many payday loan critiques don't hold up under scrutiny Continue Reading
"Most repay their loans without defaulting"
CFSA CEO Dennis Shaul - "payday loans are often the best and least costly option for consumers when compared to alternatives" Continue Reading
"CFPB Ignoring the Voices of Consumers and Small Businesses"
CFSA CEO Dennis Shaul - "CFPB continues to presume that consumers are harmed by short-term credit products, but there has been no rigorous, empirical research released to support this" Continue Reading
"Cost-Conscious Banks Have Little Interest in Small-Dollar Loans"
CFSA CEO Dennis Shaul - "The small-dollar credit needs of consumers should be addressed by banks and nonbanks; and despite the rhetoric from critics" 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.