Personal Loans
By State

Regulatory Oversight: Alabama Consumer Credit Act (Mini-Code) - Ala. Code § 5-19-1 et seq. (Alabama State Banking Department)

Regulatory Oversight: Alaska Small Loans Act - Alaska Stat. § 06.20.010 et seq. (Alaska Division of Banking and Securities)

Regulatory Oversight: Arizona Consumer Lender Act - A.R.S. § 6-601 et seq. (Arizona Department of Insurance and Financial Institutions (DIFI))

Regulatory Oversight: Arkansas Constitution Amendment 89 (Interest Rate Control) (Arkansas State Bank Department)

Regulatory Oversight: California Financing Law (CFL) - Cal. Fin. Code § 22000 et seq. & Fair Access to Credit Act (AB 539) (California Department of Financial Protection and Innovation (DFPI))

Regulatory Oversight: Colorado Uniform Consumer Credit Code (UCCC) - C.R.S. § 5-1-101 et seq. (Colorado Office of the Attorney General - Consumer Credit Unit)

Regulatory Oversight: Delaware Consumer Credit Code - 5 Del. C. § 2227 et seq. (Office of the State Bank Commissioner of Delaware)

Regulatory Oversight: Florida Consumer Finance Act - Fla. Stat. § 516 et seq. (Florida Office of Financial Regulation (OFR))

Regulatory Oversight: Georgia Industrial Loan Act (GILA) / Georgia Installment Loan Act - O.C.G.A. § 7-3-1 et seq. (Georgia Department of Banking and Finance)

Regulatory Oversight: Hawaii Consumer Credit Transaction Regulations - Haw. Rev. Stat. § 476 et seq. (Hawaii Division of Financial Institutions (DFI))

Regulatory Oversight: Idaho Credit Code - Idaho Code § 28-41-101 et seq. (Idaho Department of Finance)

Regulatory Oversight: Illinois Predatory Loan Prevention Act (PLPA) - 815 ILCS 123 (Illinois Department of Financial and Professional Regulation (IDFPR))

Regulatory Oversight: Indiana Uniform Consumer Credit Code (IUCCC) - Ind. Code § 24-4.5 (Indiana Department of Financial Institutions (DFI))

Regulatory Oversight: Iowa Consumer Credit Code (ICCC) - Iowa Code § 537 (Iowa Division of Banking)

Regulatory Oversight: Kansas Uniform Consumer Credit Code (KUCCC) - K.S.A. § 16a-1-101 et seq. (Office of the State Bank Commissioner of Kansas (OSBC))

Regulatory Oversight: Kentucky Consumer Loan Act - KRS Chapter 286.4 (Kentucky Department of Financial Institutions (DFI))

Regulatory Oversight: Louisiana Consumer Credit Law (LCCL) - La. R.S. § 9:3510 et seq. (Louisiana Office of Financial Institutions (OFI))

Regulatory Oversight: Maine Consumer Credit Code - 9-A M.R.S.A. § 1-101 et seq. (Maine Bureau of Consumer Credit Protection)

Regulatory Oversight: Maryland Consumer Loan Law - Md. Commercial Law Code Ann. § 12-301 et seq. (Maryland Office of Financial Regulation (OFR))

Regulatory Oversight: Massachusetts Small Loan Act - M.G.L. c. 140, § 96 et seq. & 209 CMR 26.00 (Massachusetts Division of Banks (DOB))

Regulatory Oversight: Michigan Regulatory Loan Act - MCL § 493.1 et seq. (Michigan Department of Insurance and Financial Services (DIFS))

Regulatory Oversight: Minnesota Regulated Loan Act - Minn. Stat. § 56.001 et seq. (Minnesota Department of Commerce)

Regulatory Oversight: Mississippi Small Loan Law - Miss. Code Ann. § 75-67-101 et seq. (Mississippi Department of Banking and Consumer Finance (DBCF))

Regulatory Oversight: Missouri Consumer Credit Law - Mo. Rev. Stat. § 367.100 et seq. (Missouri Division of Finance)

Regulatory Oversight: Montana Consumer Loan Act - MCA § 32-5-101 et seq. (Initiative 164) (Montana Division of Banking and Financial Institutions)

Regulatory Oversight: Nebraska Installment Loan Act - Neb. Rev. Stat. § 45-1001 et seq. (Initiative 428) (Nebraska Department of Banking and Finance)

Regulatory Oversight: Nevada Installment Loan Act - NRS Chapter 675 (Nevada Financial Institutions Division (FID))

Regulatory Oversight: New Hampshire Small Loan Law - RSA Chapter 399-A (New Hampshire Banking Department)

Regulatory Oversight: New Jersey Consumer Finance Licensing Act - N.J.S.A. § 17:11C-1 et seq. & Criminal Usury Law (N.J.S.A. § 2C:21-19) (New Jersey Department of Banking and Insurance (DOBI))

Regulatory Oversight: New Mexico Small Loan Act - NMSA 1978, § 58-15-1 et seq. (HB 132 Rate Cap) (New Mexico Financial Institutions Division (FID))

Regulatory Oversight: North Carolina Consumer Finance Act - N.C.G.S. Chapter 53, Article 15 (North Carolina Office of the Commissioner of Banks (NCCOB))

Regulatory Oversight: North Dakota Money Brokers Act / Consumer Finance Act - N.D.C.C. § 13-05 (North Dakota Department of Financial Institutions)

Regulatory Oversight: Ohio Short-Term Loan Act & General Loan Law - ORC Chapter 1321 (Fairness in Lending Act) (Ohio Division of Financial Institutions)

Regulatory Oversight: Oklahoma Uniform Consumer Credit Code (OUCCC) - 14A O.S. § 1-101 et seq. (Oklahoma Department of Consumer Credit (DOCC))

Regulatory Oversight: Oregon Consumer Finance Act - ORS Chapter 725 (Oregon Division of Financial Regulation (DFR))

Regulatory Oversight: Pennsylvania Consumer Discount Company Act (CDCA) - 7 P.S. § 6201 et seq. (Pennsylvania Department of Banking and Securities (DoBS))

Regulatory Oversight: Rhode Island Small Loan Act - R.I. Gen. Laws § 19-14.2 et seq. (Rhode Island Department of Business Regulation (DBR) - Division of Banking)

Regulatory Oversight: South Carolina Consumer Protection Code (SCCPC) - S.C. Code Ann. § 37-1-101 et seq. (South Carolina Department of Consumer Affairs (SCDCA))

Regulatory Oversight: South Dakota Money Lending Licenses Act - SDCL Chapter 54-4 (Initiated Measure 21) (South Dakota Division of Banking)

Regulatory Oversight: Tennessee Industrial Loan and Thrift Companies Act (TILA) - Tenn. Code Ann. § 45-5-101 et seq. (Tennessee Department of Financial Institutions (TDFI))

Regulatory Oversight: Texas Finance Code - Title 4, Subtitle B, Chapter 342 (Consumer Loans) (Texas Office of Consumer Credit Commissioner (OCCC))

Regulatory Oversight: Utah Consumer Credit Code - Utah Code Ann. § 70C-1-101 et seq. (Utah Department of Financial Institutions (UDFI))

Regulatory Oversight: Virginia Fairness in Lending Act - Va. Code Ann. § 6.2-1500 et seq. (Virginia Bureau of Financial Institutions (State Corporation Commission))

Regulatory Oversight: Washington Consumer Loan Act (CLA) - RCW Chapter 31.04 (Washington State Department of Financial Institutions (DFI))

Regulatory Oversight: Wisconsin Consumer Act (WCA) - Wis. Stat. Chapters 421-427 (Wisconsin Department of Financial Institutions (DFI))

Regulatory Oversight: Wyoming Uniform Consumer Credit Code (WUCCC) - Wyo. Stat. § 40-14-101 et seq. (Wyoming Division of Banking)