Why It's Important

CFSA Represents the Short-Term Lending Industry

As the voice for the small dollar, short-term lending community, CFSA represents key stakeholders and decision makers from payday lending shops that shape the industry landscape. The association’s Board of Directors draws on the experience and expertise of its members and the legislative reach of its federal and state government relations teams to support a strong and viable industry.

CFSA offers membership levels to both lenders and service providers. Join your fellow industry partners as a member of CFSA and see all that membership can do for you. A CFSA membership is an investment in your business.

  • CFSA’s initiatives and efforts are member-driven. The association offers payday lenders and industry partners and vendors, both large and small, the opportunity to participate in shaping and creating industry best practices, strategies, and policy priorities.

  • CFSA is the industry’s unified voice. The Board of Directors, CFSA staff and its federal and state government relations teams participate actively in policy-making forums, facilitating dialogue and producing innovative business and policy solutions and best practices for industry practitioners.

  • CFSA is actively engaged in Washington and in the states. With its federal and state government relations teams in place, the association works in partnership with government leaders to ensure informed-decision making in policy and legislative issues affecting the payday advance industry.

Interested in CFSA Membership?

If you are interested in becoming a CFSA member, please contact CFSA at 888.572.9329 or via e-mail at

In This Section:

When used on a recurring basis for small amounts, the annualized percentage rate for fee-based bounce [overdraft] protection far exceeds the APRs associated with payday loans."

Sheila Bair
Former Chairman
Federal Deposit Insurance Corporation

Connecting With Our Communities

Managing household finances can be a daunting task. However, by using solid budgeting and savings techniques, you can accomplish major financial goals. In the Customer Resource Center, CFSA offers a variety of payday advance resources that support and encourage responsible lending practices, and highlight the vital role of our members’ stores in neighborhoods near you.

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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

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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.