Privacy Policy

Must read seeks to educate consumers to make intelligent financial decisions, to protect them from unsavory consumer lenders and other unscrupulous businesses that have lending practices that are unethical and/or unlawful.

Truthful & Trustworthy

The policies and practices at are in compliance with all provisions of the fair lending laws that apply, such as the Truth in Lending Act. Prior to a consumer entering into an agreement to borrow money, the lender should provide all relevant information in writing. This can easily be done electronically and include all the terms regarding, rates, fees, charges, charges to roll over the loan and any other details. Go to the Rates & Fees section on our website to find out what the current laws and regulations are in your state.

Fair Lending Practices

According to the Dodd-Frank Wall Street Reform Act all lenders must follow “fair lending” practices. The U.S. Consumer Financial Protection Bureau is charged with enforcing these rules and regulations.

Fair Debt Collection Practices only works with lenders that comply with the Fair Debt Collection Practices Act. We are not the lender nor are we a debt collector. For lenders to be included in our network, we require them to refrain from the following practices:

  • Phoning consumers before 8:00 AM or after 9:00 PM (or as regulated by the laws in that state).
  • Phoning consumers with the intent of maliciously annoying, harassing or using threats or abusive language.
  • Using forms of deception and/or misrepresentation for the purposes of collecting a debt.
  • Threatening consumers with criminal charges or taking legal recourse although no such action is legally allowed. refuses to do business with any lender that repeatedly and intentionally violates the Fair Debt Collection Practices Act.

State Regulations requires its lenders to follow all applicable state and federal regulations. This means they must conform with local regulations and laws when it comes to maximum loan terms, interest rates, fees, cooling-off periods between loans, rollover limits, and other terms. Lenders that fall under an extension of the Indian Tribe Act, which is federally recognized as sovereign nations, may not have to follow local laws with regard to fees, rates and other loan terms, even though these lenders comply with federal lending laws that include the Truth in Lending Act.

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