At Rincon Cash Advance, we are committed to protecting consumers from predatory lending practices. Our mission is to empower you with transparent, accurate information so you can make responsible, informed borrowing decisions.
Trust and Truth in Lending
Rincon Cash Advance adheres strictly to federal and state consumer protection laws, including the Truth in Lending Act (TILA) and other Fair Lending regulations. While we are not a direct lender, we only partner with licensed lenders who provide full written disclosure of all loan terms before you accept any obligation. This includes:
- Exact fees and finance charges
- Annual Percentage Rate (APR)
- Repayment schedule
- Rollover or renewal policies (where permitted by law)
For details on current rates, fees, and state-specific rules, please review our Rates and Fees page.
Commitment to Fair Lending
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, all lenders—including payday loan providers—must follow “fair lending” practices. The Consumer Financial Protection Bureau (CFPB) enforces these standards to prevent discrimination and ensure equitable access to credit. We vet every lender in our network to confirm compliance with these federal requirements.
Fair Debt Collection Practices
Rincon Cash Advance is not a lender and does not collect debts. However, we require all lending partners to comply fully with the Fair Debt Collection Practices Act (FDCPA), enforced by the Federal Trade Commission (FTC).
Prohibited practices include:
- Calling consumers before 8 a.m. or after 9 p.m. local time
- Using harassing, abusive, or threatening language
- Misrepresenting the debt or legal consequences
- Threatening legal action when none is permitted or intended
If a lender violates FDCPA guidelines, we will immediately terminate our relationship and report the violation to the FTC.
Compliance with State Regulations
Lending laws vary significantly by state. We ensure our network lenders comply with your state’s specific rules regarding:
- Maximum loan amounts
- Interest rate caps (where applicable)
- Loan term limits
- Rollover restrictions
- Mandatory “cooling-off” periods between loans
To understand how these laws apply to you, visit our State Licensing & Regulations page or contact our support team.
Disclaimer: Rincon Cash Advance is a loan referral service, not a lender. We do not issue loans, set rates, or collect payments. All lending decisions and terms are determined solely by our third-party lending partners, who must be licensed to operate in your state.