CFSA Customer Bill of Rights

CFSA’s member companies want to ensure its customers are treated fairly and understand the terms of their short-term loan. If you believe that a CFSA member has treated you inappropriately and you would like to report a violation of a CFSA Best Practice see CFSA Procedures for Responding to Customers Complaints.

  1. You have the right to courteous and professional service.

  2. You have the right to have your financial privacy and personal identity protected during and after transacting with a CFSA member company.

  3. You have the right to receive full written disclosure of all fees and terms associated with your payday advance.

  4. You have the right to rescind your loan, at no cost, within one (1) business day of accepting a payday advance.

  5. You have the right to file a grievance against a CFSA member company if you believe that you have been treated in a manner that violates CFSA’s code of Best Practices. In such case, CFSA’s Ethics Committee will investigate your allegation and work with you and the CFSA member to resolve the issue.

  6. You have the right to lawful and professional collection practices.

  7. Upon repayment of your payday advance, you have the right to decline any offer to assume an additional payday advance.

  8. If you live in a regulated state or municipality, you have the right to demand that your lender adhere to the payday lending law(s) of that state or municipality.

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.