Policy on Responsible Lending

Iloans90.com is committed to protect its costumers from payday loan lenders, that may be involved in unscrupulous lending practices. We actively inform and educate consumers of the options they have to help them make beneficial, and loan decisions the smart way.  

Lending Act Truth

Company's policy on responsible lending closely follows and recognizes the laws and regulations, which are set by Fair Lending Laws in Lending Act. Before a consumer falls under any obligation to the loan process, they will be given, in writing, all the fees and charges, as well as rates in detail for the consumer understands the terms clearly. There are particular states, which have certain laws that should be reviewed and highlighted prior to signing any contract.  

Fair Lending

A fair lending is defined - Fair, equitable, and nondiscriminatory access to credit for consumers. Lenders must be ethical and engage in fair lending. Consumer Financial Protection Bureau is named from Dodd Frank Wall Street Reform Act, as the one who should enforce these guidelines. It's encouraged to file and complaint with agency if in the even any problems arise with payday loans.  

Fair Debt Collection Practices

Iloans90.com will always adhere to the provisions of the Fair Debt collection Practices Act when consumers repay their loans. Iloans90.com is not a lender, the company can't collect debts from consumers, only the lenders in our network follow these statutes completely:  

a. When no legal action is permitted, threatening legal recourse.

b. Trying to collect the debt from consumers through misrepresentation or deception.

c. Calling consumers with the intent to annoy, harass, abuse, use profane or inappropriate language, etc at anytime.

d. Try to reach a consumer anytime before 8am or after 6pm

If for any reason, one of our lenders are caught violating any of these rules, or any other FDCPA statues, Iloans90.com will break all ties with the lender and its company and subsequently report them to the FTC (Federal Trade Commission).  

Regulations of State

Laws vary in each state for lending within the at particular jurisdiction. Obeying the local laws regarding fees, maximum loan terms, specfic limits and length between loans, are all included in each specific state's regulations.  

Educating the Consumer Pledge

There are educational resources provided with no cost to you by Iloans90.com. Which are written by a qualified team of financial professionals. Included are details regarding laws and regulations as they apply to each state differently. This resources can help you be informed of what laws apply to you, where you are live. In addition, can also gather information about the different protection agencies available to you, and see other options which could be available to you other than a cash loan. 

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