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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

Six Plaintiffs Join Advance America Complaint Against Federal Government’s ‘Operation Choke Point’
Plaintiffs Share Their Conversations with Bankers Revealing Unlawful Regulatory Actions of Federal Banking Regulators Continue Reading
Short-Term Lenders File For Emergency Relief from Illegal Operation Choke Point Program
Defendant Agencies Continue Campaign to Terminate Banking Relationships with Legal Companies Continue Reading
CFSA Projects More Than One Million Customers Voice Opposition to CFPB’s Restrictive Payday Lending
CFPB Must Clear Massive Backlog and Guarantee All Customer Input Is Fully and Transparently Processed Continue Reading
More Than 172,000 Public Comments On CFPB Payday Lending Rule Portal Set A New CFPB Record
Record Number Reflects Huge Consumer Concern Over Rule’s Negative Effects Continue Reading
CFPB Buried, Ignored Positive Payday Loan Customer “Tell Your Story” Testimonials It Requested
Over 98% Of These Consumer Payday Lending Experiences Were Positive, Consistent With Other CFPB And FTC Consumer Complaint Data 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 cfsamembership@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.