Policy on Responsible Lending

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At TexasLoanOnline.com, we want consumers to be well informed to enable them to make wise financial decisions and also protect them from evil lenders and other disreputable businesses that engage in unethical and unlawful lending practices.

Trust and Truth

TexasLoanOnline.com's policies and practices are in conformity with the provisions of applicable fair lending laws such as the Truth in Lending Act. Visit the Rates and Fees section of this website to read more about the Truth in Lending Act, as well as rates and fees applicable to your state.

Fair Lending

The Dodd-Frank Wall Street Reform Act makes it binding on all lenders to practise "fair lending." And the Consumer Financial Protection Bureau enforces fair lending laws and policies.

Current State Regulations

TexasLoanOnline.com encourages lenders to conform to applicable regulations (federal and state), including conformity with local laws that have to do with maximum loan terms, interest rates, rollover limits, cooling-off periods in between loans, fees, as well as other loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and may not be obligated to operate in accordance with local laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws. This includes the Truth in Lending Act.