Policy Details

Policy on Responsible Lending

State Regulations : Lenders and lending partners are required to abide by applicable federal, state and local laws. This may include interest rate limits, loan terms, limits on rollovers, the number and frequency of loans, fees, and more. Before you accept any loan, you should educate yourself in regard to the loan you are seeking, including the rules, regulations and laws that might apply to that loan and the lender or lending partner offering it.

Privacy Policy

The purpose of the firstdirectlenders.com Privacy Policy is to provide you with a comprehensive description of firstdirectlenders.com’s online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of consumers regarding their personal information.

Truth in Lending Act (TILA)

The Truth in Lending Act requires lenders and lending partners to give you in writing the exact fees, interest rate and other details regarding your loan. This should be presented to you prior to any agreement being executed. lenders and lending partners may not offer terms that exceed any applicable laws, regulations, or rules. Most specific terms of your loan will be governed by the applicable state law.

    Dodd-Frank Wall Street Reform Act

    The Dodd-Frank Act requires that all lenders and lending partners practice fair lending. The Act empowers the Consumer Financial Protection Bureau (CFPB) to issue regulations that prohibit abuse and unfair lending practices, which includes regulations designed to prevent disparities among consumers of equal creditworthiness but are of a different race, ethnicity, gender or age

    Support

    To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way.

    Cookies

    We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.