Resources & Helpful Links
The information provided below is excerpts from the websites themselves. We at Payday Loan INsight believe this information to be very informative and helpful.
Payday Loans
Payday Loan Calculator - Calculate the Cost of Using Payday Loans How much does it cost to borrow money from a payday lender? Many companies quote the cost of loans as the cost to borrow $100, such as $15 per $100 or $20 per $100. Since the loan must be paid in a week or two, consumers may not realize how much loans cost under typical use.
CFA's Payday Loan Consumer Information Site - Information resource on payday lending for consumers and advocates. CFA is an advocacy, research, education, and service organization. As an advocacy group, it works to advance pro-consumer policy on a variety of issues before Congress, the White House, federal and state regulatory agencies, state legislatures, and the courts. Its staff works with public officials to promote beneficial policies, to oppose harmful policies, and to ensure a balanced debate on important issues in which consumers have a stake.
A Resource For predatory lending opponents - The Center for Responsible Lending is a nonprofit, nonpartisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices. CRL is affiliated with Self-Help, one of the nation's largest community development financial institutions
Information By State - Where to obtain information or file a complaint
*Note - Payday Loans are not legal in all 50 states. Please check with the appropriate governmental agency to determine whether or not pay day loans are legal in your state.
ALABAMA:
http://www.bank.state.al.us/
Alabama Banking Department
P.O. Box 4600 Montgomery AL 36103
(334) 242-3452
(334) 353-5961 - fax
Arlene Baldwin, Consumer Services Specialist, Bureau of Loans
ALASKA:
http://www.commerce.state.ak.us/bsc/
Alaska Division of Banking and Securities
P.O. Box 110807 Juneau AK 99811
(888) 925-2521
(907) 465-2549 - fax
Patrice Walsh, Financial Institution Examiner
ARIZONA:
http://azdfi.gov/
Arizona Department of Financial Institutions
Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018
(800) 544-0708
(602) 381-1225 - fax
Robert Charlton, Assistant Superintendent of Banks
ARKANSAS:
http://www.asbca.org/check_cashing/
Arkansas State Board of Collection Agencies
Division of Check-Cashing Companies, 523 Louisiana Street, Suite 460 Little Rock AR 72201
(501) 371-1434
(501) 371-1440 - fax
Peggy Matson, Executive Director
CALIFORNIA:
http://www.corp.ca.gov/
California Department of Corporations
Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814
(866) 275-2677
COLORADO:
http://www.ago.state.co.us/uccc/ucccmain.cfm.html
Colorado Office of the Attorney General
Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203
(303) 866-4494
(303) 866-5691 - fax
Laura Udis, Administrator
CONNECTICUT:
http://www.ct.gov/dob/site/default.asp
Connecticut Department of Banking
260 Constitution Plaza Hartford CT 06103
(860) 240-8299
(860) 240-8167 - fax
Alan Cicchetti, Deputy Commissioner
DELAWARE:
http://banking.delaware.gov/
Delaware Office of the State Bank Commissioner
555 E. Loockerman Street Suite 210 Dover DE 19901
(302) 739-4235
(302) 739-3609 - fax
Administrator, Non-Depository Institutions and Compliance
DISTRICT OF COLUMBIA:
http://disb.dc.gov/disr/site/default.asp
Regulator: D.C. Department of Insurance, Securities and Banking
810 First Street, NE, Suite 701 Washington DC 20002
(202) 727- 8000
(202) 535-1197 - fax
Howard Amer, Director, Banking Bureau
FLORIDA:
http://www.flofr.com/
Florida Office of Financial Regulation
Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
(850) 410-9805
(850) 410-9748 - fax
GEORGIA:
http://www.gainsurance.org/
Georgia Office of the Commissioner of Insurance
Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower,
Suite 704 Atlanta GA 30334
(404) 656-2070
(404) 657-8542 - fax
Frank Ogletree Director
HAWAII:
http://hawaii.gov/dcca
Hawaii Department of Commerce and Consumer Affairs
Consumer Resource Center, 235 S. Beretania Street, Rm 801 Honolulu HI 96813
(808) 587-3222
(808) 586-2640 - fax
IDAHO:
http://finance.idaho.gov/
Idaho Department of Finance
Consumer Credit Section, 700 West State Street, 2nd Floor Boise ID 83702
(208) 332-8000
(208) 332-8099 - fax
Mike Larsen, Consumer Finance Bureau Chief
ILLINOIS:
http://www.idfpr.com/dfi/default2.asp
Illinois Division of Financial Institutions
Consumer Credit Section, 320 W. Washington Springfield IL 62701
(888) 298-8089
Phil Sanson, Acting Consumer Credit Assistant Supervisor
INDIANA:
http://www.in.gov/dfi/
Indiana Department of Financial Institutions
30 South Meridian Street, Suite 300 Indianapolis IN 46204
(800) 382-4880
Mark Tarpey, Supervisor, Consumer Credit
IOWA:
http://www.idob.state.ia.us/
Iowa Division of Banking
200 East Grand Avenue, Suite 300 Des Moines IA 50309
(515) 281-4014
(515) 281-4862 - fax
Rodney Reed, Finance Bureau Chief
KANSAS:
http://www.osbckansas.org/
Office of the State Bank Commissioner
700 SW Jackson, Suite 300 Topeka KS 66603
(785) 296-2266
(785) 296-0168 - fax
Kevin C. Glendening, Deputy Commissioner, Division of Consumer and Mortgage Lending
KENTUCKY:
http://www.kfi.ky.gov/
Kentucky Office of Financial Institutions
1025 Capital Center Drive, Suite 200 Frankfort KY 40601
(800) 223-2579
(502) 573-8787 - fax
Gary Davis, Branch Manager
LOUISIANA:
http://www.ofi.state.la.us/
Louisiana Office of Financial Institutions
P.O. Box 94095 Baton Rouge LA 70804
(225) 925-4660
(225) 925-4548 - fax
John J. Braud, Deputy Chief Examiner
MAINE:
http://www.maine.gov/pfr/consumercredit/index.shtml
Maine Office of Consumer Credit Regulation
Department of Professional and Financial Regulation, 35 State House Station Augusta ME 04333
(207) 624-8527
(207) 582-7699 - fax
William N. Lund Director
MARYLAND:
http://www.dllr.state.md.us/finance/
Maryland Commissioner of Financial Regulation
500 North Calvert Street Suite 402 Baltimore MD 21202
(410) 230-6100
(410) 333-3866 - fax
Michael Jackson Director, Regulatory Policy
MASSACHUSETTS:
http://www.mass.gov/
Massachusetts Division of Banks
One South Station Boston MA 02110
(617) 956-1500
(617) 956-1599 - fax
Kevin McNamara Supervisor
MICHIGAN:
http://www.michigan.gov/dleg/0,1607,7-154-10555---,00.html
Michigan Office of Financial and Insurance Services
P.O. Box 30220 Lansing MI 48909
(877) 999-6442
(517) 335-4978 - fax
MINNESOTA:
http://www.state.mn.us/portal/mn/jsp/home.do?agency=Commerce
Minnesota Department of Commerce
Division of Financial Examinations, 85 7th Place East, Suite 500 St. Paul MN 55101
(651) 296-2135
(651) 296-8591 - fax
Kevin Murphy, Deputy Commissioner
MISSISSIPPI:
http://www.dbcf.state.ms.us/
Mississippi Department of Banking and Consumer Finance
901 Woolfolk Building, Suite A 501 N. West Street Jackson MS 39201
(601) 359-1031
(601) 359-3557
Ronny Harrison, Chief Examiner, Consumer Finance Division
MISSOURI:
http://www.missouri-finance.org/
Missouri Division of Finance
Consumer Credit Section, P. O. Box 716 301 W. High Street Jefferson City MO 65102
(573) 751-3242
(573) 751-9192- fax
Joe Crider, Supervisor, Consumer Credit
MONTANA:
http://banking.mt.gov/
Montana Department of Administration
Division of Banking and Financial Institutions, 301 South Park, Suite 316
P.O. Box 200546 Helena MT 59620
(406) 841-2920
(406) 841-2930 - fax
Annie M. Goodwin, Commissioner
NEBRASKA:
http://www.ndbf.org/
Nebraska Department of Banking & Finance
Financial Institutions, 1230 'O' Street, Suite 400 P.O. Box 95006 Lincoln NE 68509
(402) 471-2171
Karen Reynolds, Review Examiner
NEVADA:
http://www.fid.state.nv.us/
Nevada Financial Institutions Division
2785 E. Desert Inn Rd., Suite 180 Las Vegas NV 89121
(702) 486-4120
(702) 486-4563 - fax
Supervisory Examiner
NEW HAMPSHIRE:
http://www.nh.gov/banking/
New Hampshire State Banking Department
64B Old Suncook Road Concord NH 03301
(603) 271-3561
(603) 271-0750 - fax
Mary Jurta, Director, Consumer Credit Division
NEW JERSEY:
http://www.paydayloaninfo.org/state_detail.cfm?id=NJ
New Jersey Department of Banking and Insurance
20 West State St. Trenton NJ 08625
(609) 292-5360
(609) 292-5461 - fax
Ludi Hughes Assistant Commissioner
NEW MEXICO:
http://www.paydayloaninfo.org/state_detail.cfm?id=NM
New Mexico Financial Institutions Division
2550 Cerrillos Road, 3rd Floor P. O. Box 25101 Santa Fe NM 87505
(505)476-4885
(505) 476-4670 - fax
Henry A. Vigil, Consumer Industry Manager
NEW YORK:
http://www.paydayloaninfo.org/state_detail.cfm?id=NY
New York State Banking Department
One State Street New York NY 10004
1-877-BANK-NYS
Regina A. Stone Deputy Superintendent
NORTH CAROLINA:
http://www.ncdoj.com/default.jsp
North Carolina Attorney General (See also Commissioner of Banks)
NC Attorney General's Office 9001 Mail Service Center Raleigh NC 27699-9001
(919) 716-6400
NORTH DAKOTA:
http://www.nd.gov/dfi/
North Dakota Department of Financial Institutions
2000 Schafer Street, Suite G Bismarck ND 58501
(701) 328-9933
(701) 328-9955 - fax
Robert J. Entringer, Assistant Commissioner
OHIO:
http://www.com.ohio.gov/fiin/
Ohio Division of Financial Institutions
77 South High Street, 21st Floor Columbus OH 43215
(614) 728-8400
Robert M. Grieser, Deputy Superintendent for Consumer Finance
OKLAHOMA:
http://www.okdocc.state.ok.us/
Oklahoma Department of Consumer Credit
4545 North Lincoln Boulevard, Suite 104 Oklahoma City OK 73105
(405) 521-3653
(405) 521-6740 - fax
Jack Stone, Deputy Administrator
OREGON:
http://www.oregondfcs.org/
Oregon Department of Consumer & Business Services
Division of Finance & Corporate Securities, 350 Winter St. NE,
Rm. 410 Salem OR 97301
(503) 378-4140
(503) 947-7862- fax
Charles Donald, Supervising Examiner, Non-depository Programs
PENNSYLVANIA:
http://www.banking.state.pa.us/banking/site/default.asp
Pennsylvania Department of Banking
Market Square Plaza, 17 N. Second Street Harrisburg PA 17101
(717) 214-8343
(717) 787-8773 - fax
Jim Keiser Administrator of Non-Depository Institutions
RHODE ISLAND:
http://www.dbr.ri.gov/divisions/banking_securities/banks.php
Rhode Island Department of Business Regulation
Division of Banking, 233 Richmond Street, Suite 231 Providence RI 02903
(401) 222-2405
(401) 222-5628 - fax
Dennis F. Ziroli, Assoc. Director & Supt.
SOUTH CAROLINA:
http://www.scconsumer.gov/
South Carolina State Board of Financial Institutions
Consumer Finance Division, P.O. Box 11905 Columbia SC 29211
(803) 734-2020
(803) 734-2025 - fax
C. Dean Bratton, Commissioner of Consumer Finance
SOUTH DAKOTA:
http://www.state.sd.us/drr2/reg/bank/BANK-HOM.htm
South Dakota Division of Banking
217 1/2 West Missouri Avenue Pierre SD 57501
(605) 773-3421
(605) 773-5367 - fax
TENNESSESSEE:
http://www.tennessee.gov/tdfi/
Tennessee Department of Financial Institutions
511 Union Street, Suite 400 Nashville TN 37219
(615) 741-2236
(615) 532-1018 - fax
Bart Daughdrill
TEXAS:
http://www.occc.state.tx.us/
Texas Office of Consumer Credit Commissioner
2601 N. Lamar Blvd. Austin TX 78705
(512) 936-7600
(512) 936-7610 - fax
UTAH:
http://www.dfi.utah.gov/
Utah Department of Financial Institutions
324 South State Street, Suite 201 Salt Lake City UT 84111
(801) 538-8830
(801) 538-8894 - fax
VIRGINIA:
http://www.scc.virginia.gov/bfi/index.aspx
Virginia Bureau of Financial Institutions
State Corporation Commission, 1300 East Main Street, Suite 800
Post Office Box 640 Richmond VA 23218
(804) 371-9657
(804) 371-9416 - fax
Susan E. Hancock, Deputy Commissioner, Consumer Finance
WASHINGTON:
http://www.dfi.wa.gov/
Washington Department of Financial Institutions
Division of Consumer Services, PO Box 41200 Olympia WA 98504
(360) 902-8700
(360) 725-7827 - fax
Chuck Cross, Director of Consumer Services
WEST VIRGINIA:
http://www.wvago.gov/
Office of West Virginia Attorney General (see also Consumer Protection Division)
Consumer Protection Division 812 Quarrier St., 4th Floor
Charleston WV 25301
(800) 368-8808
(304) 558-0184 - fax
WISCONSIN:
http://www.wdfi.org/
Wisconsin Department of Financial Institutions
Wisconsin Consumer Act Section, P.O. Box 8041 Madison WI 53708
(608) 261-9555
(608) 261-7200 - fax
Paul Egide, Consumer Act Director
WYOMING:
http://audit.state.wy.us/banking/
Wyoming Division of Banking
Uniform Consumer Credit Code, 122 West 25th Street Cheyenne WY 82002
(307) 777-7797
(307) 777-3555 - fax
Joe Mulberry, UCCC Supervisor
Financial Solutions
Getting a Loan or Refinancing Your Existing Loan - Does it make sense to refinance your home, get a home equity loan or take out a second mortgage? You can often save a lot of money by optimizing your debt with low interest rate or consolidation loans.
Optimize Your Credit Card - If you are paying high interest rates on your credit card, you may want to apply for a new, lower interest credit card. The following companies offer attractive credit card rates that can lower your monthly credit card bill and help you pay off your credit card debt.
Consolidate Your Debt - Should you consolidate debt? If you have a lot of loans and debt from many different sources, or you find yourself paying high interest rates on credit cards, you may want to consolidate debt by using a debt consolidation or debt management program.
Practical Money Skills for Life - Financial literacy is a growing problem in our over spending and under earning society. Practical Money Skills For Life is a teacher tested, teacher approved financial literacy curriculum developed by Visa Inc. that offers an abundance of financial information and learning tools for teachers, students, and parents.
Credit Counseling
Consumer Credit Counseling Services - Reducing Debt - Consumer Credit Counseling Service (CCCS) agencies like ours can give you straight answers about your debt management problems. Our agency is a nonprofit community service organization dedicated to helping people with money problems.
Association of Independent Consumer Credit Counseling Agencies (AICCCA) - The AICCCA represents the common interests of member agencies to ensure that all who seek help with their debt problems receive the highest quality of assistance.
National Foundation for Credit Counseling (NFCC) - Each year, more than one million people receive counseling and educational services from NFCC member agencies. More than one-third of all consumers who come to an NFCC agency for counseling are able to manage their debt on their own after receiving financial education and counseling.
United States Department of Justice (DOJ) - To assist you in selecting an approved credit counseling agency, the Federal Trade Commission offers "Facts for Consumers" that provide helpful suggestions for finding the best counselor for you.
Government Resources
American Red Cross - Since its founding in 1881 by visionary leader Clara Barton, the American Red Cross has been the nation's premier emergency response organization. As part of a worldwide movement that offers neutral humanitarian care to the victims of war, the American Red Cross distinguishes itself by also aiding victims of devastating natural disasters.
Environmental Protection Agency (EPA) - EPA employs 17,000 people across the country, including our headquarters offices in Washington, DC, 10 regional offices, and more than a dozen labs. Our staff are highly educated and technically trained; more than half are engineers, scientists, and policy analysts.
Federal Emergency Management Agency (FEMA) - DISASTER. It strikes anytime, anywhere. It takes many forms -- a hurricane, an earthquake, a tornado, a flood, a fire or a hazardous spill, an act of nature or an act of terrorism.
Federal Trade Commission - As a consumer or business person, you may be more familiar with the work of the Federal Trade Commission than you think. The FTC deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy.
Federal Reserve Education - Here you can find links to instructional materials and tools that can increase your understanding of the Federal Reserve, economics and financial education. All of the Fed web sites, curriculum, newsletters, booklets and other resources are free.
Internal Revenue Service (IRS) - Provide America's taxpayers top quality service by helping them understand and meet their tax responsibilities and by applying the tax law with integrity and fairness to all.
Credit Cards
The Federal Reserve Board - Shopping around for a credit card can save you money on interest and fees. You will want to find one with features that match your needs. This information can help you.
Choosing A Credit Card: The Deal is in the Disclosures - A credit card lets you buy things and pay for them over time. Using a credit card is a form of borrowing: you have to pay the money back.
Experts on Credit - Everything About Credit Cards, Credit & Personal Finance Whether you're looking to apply for a credit card online, or simply looking for financial guidance, ExpertsonCredit is the ultimate one-stop credit shop.
Answers to Common Credit Card Problems - Do you need advice about how to manage your credit card debt? Are you looking to file a complaint about possible credit card fraud? Below are some resources you can consult.
Car Loans
Car Loan Tips - How much can you afford to pay for a new car? Should you finance at the dealer or get a car loan from a local bank or credit union. Financing a new car purchase requires some research if you want to get the best rates and lower your monthly payments. Before venturing out to the car dealerships uninformed, let's take a look at what you will need to know about the process.
Loans Articles,Calculators,Tools,& Advice - Yahoo Finance provides some very valuable information such as how-to guides and calculators.
Free Car Buying Guide - free car buying guide for buying new cars, used cars, auto leasing and avoiding car buying scams. You'll laugh, you'll cry, you'll buy a car. There are copycat sites with similar names who paraphrase our content, but we are the original and the best. This 100% FREE site is about truth, but few people want you to know the truth about buying cars and SUVs.
Car Loan Calculator - Enter the retail price of the vehicle you're considering and any other variables to calculate your estimated monthly payment. This calculation reflects amounts in U.S. Dollars rounded to the nearest whole dollar. Estimated monthly payments DO NOT include license, doc, emissions, or other possible fees.
Bank Accounts
Know your rights on bank account fraud - Victims of phishing and other scams can get refunds, but you have to ask
Bank Account Guide - Money Market Accounts, Checking Accounts - Helpful guide to checking accounts, savings accounts, money market accounts, certificates of deposit, debit cards, bank accounts, banking in the US.
Bank of America Help - The Bank of America Help page allows you to easily find answers to Frequently Asked Questions by linking directly to topics of interest.
Consumer Debit Resource - The Consumer Debit Resource site is dedicated to helping you develop good debit practices, basic knowledge and skills to manage and maintain checking accounts, so that you can build a solid foundation that will allow you to fully participate, enjoy, and access mainstream financial services.
Taxes
IRS - The IRS is a bureau of the Department of the Treasury and one of the world's most efficient tax administrators. In 2004, the IRS collected more than $2 trillion in revenue and processed more than 224 million tax returns.
H&R Block - Let H&R Block review your tax return, no matter who prepared it, for only $29*. Last year, we found errors on 87% of all the returns that were brought to us for a Second Look® review.
Tax help online - The complete guide to undering your taxpayer rights.
Tax Helpers - TaxHelpers.com is a full service tax law firm that provides tax help for individuals and businesses to resolve their back taxes. We assist taxpayers to find compromise with the IRS and State Taxing Agencies through the Offer in Compromise program.
Mortgage Loans
Amortization Schedule Calculator - This loan calculator - also known as an amortization schedule calculator - lets you estimate your monthly loan repayments. It also determines out how much of your repayments will go towards the principal and how much will go towards interest. Simply input your loan amount, interest rate, loan term and repayment start date then click "Calculate".
Mortgage 101 - Mortgage101.com is a leader in educating online consumers about the mortgage process and connecting them with the best rates, programs, and local mortgage companies. Developed in 1996, the website is visited by over 750,000 consumers monthly, connecting them to an online network of over 700 mortgage companies.
American Loan Search - You've probably already realized that shopping for mortgages, loans or credit cards is complex, considering all of your available options. Our purpose is to provide you with a simple way to find a local lender and learn about important mortgage information.
Find which mortgage is right for you - Buying your first home can seem intimidating, especially when faced with many different loan types. Don't worry. Here is a quick review of various mortgage options and some helpful hints as to when each loan may be appropriate. Use this list to help you narrow down the choices to what is best.
Ginnie Mae - At Ginnie Mae, we help make affordable housing a reality for millions of low- and moderate-income households across America by channeling global capital into the nation's housing markets.
HUD - Buying Information - The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home!
USA.gov - Mortgages: For Home Buyers and Homeowners.
Federal Reserve Board - Owning a home is part of the American dream. But high home prices may make the dream seem out of reach.
FHA Home Loans - FHA home loans allow first time home buyers and current home owners buy a home with less than 3% down or FHA home mortgage refinance up to 97% of the homes value
Real Estate & Mortgage Calculators - Online real estate and mortgage calculation tools. Helping the small real estate investor determine the ramifications of buying, selling, renting, financing, refinancing or constructing real estate.
JCF Lending Group - Mobile Home Lender - Mobile Home Lender offers Mobile Home Loans, Mobile Home Financing, Manufactured Home Refinancing for home located in parks and manufactured leased lot communities. Equal Housing Lending Since 1994.
Debt Consolidation
Investments
Own Arizona US Real Estate American Property Investments in - Offering Arizona real estate to international investors who live outside the United States and wish to invest in the United States. Own Arizona is here for you to invest in the USA Real Estate Property Land and Home Sales.
Bankruptcy
The Fast Fills, Your Colorado Bankruptcy Attorney's - Low Cost Experienced Colorado Bankruptcy Attorney's serving Denver; Fort Collins; Colorado Springs; and Grand Junction. Full Representation Bankruptcy Lawyers
Real Estate
Sell Your Dallas - Fort Worth House Fast! - I want to buy your house! We are not realtors, nor are we associated with any real estate agency. We don't want to list your house, we want to buy it. There are never any fees or commissions to you.
RI Real Estate Buyer Agent - Serving home buyers interested in purchasing real estate in Rhode Island and Southern New England. Expertise in first time buyers, investors, foreign nationals, and second homes.
Sell Your MA & RI House Stop Foreclosure - Sell your Rhode Island, Southeastern Massachusetts house fast for cash. Stop Foreclosure, Divorce settlement, or otherwise motivated seller?
Construction
New Construction - Quality plumbing systems installed by qualified Illinois licensed plumbers. Create the bathroom of your dreams.
Canadian Payday Loans
Ontario payday loans - Online Ontario payday loans and cash advances.