State Licensing

About Our Network

Money Tree Loans is a connection service that works with a network of licensed lenders throughout the United States. We are not a lender ourselves, but we connect borrowers with lenders who may offer installment loan products.

Lender Licensing and Compliance

All lenders in our network are required to:

• Hold appropriate licenses in states where they offer loans
• Comply with all applicable federal lending laws
• Comply with all applicable state lending laws and regulations
• Follow state-specific requirements for loan amounts, terms, and rates
• Provide clear disclosure of loan terms to borrowers

State Availability

Our service is currently available to residents of most U.S. states. However, we do not currently serve residents of the following states:

• New York (NY)
• Arkansas (AR)
• West Virginia (WV)
• Vermont (VT)

State-Specific Information

Lending laws and regulations vary significantly from state to state. These variations can affect:

• Maximum loan amounts
• Minimum and maximum loan terms
• Maximum interest rates and APRs
• Allowable fees
• Renewal and refinancing options
• Required disclosures

When you are matched with a lender, they will provide you with terms that comply with your state's laws.

Verifying Lender Licenses

If you want to verify a lender's licensing status, you can:

• Contact your state's financial regulatory agency
• Visit the Nationwide Multistate Licensing System (NMLS) at nmlsconsumeraccess.org
• Ask the lender directly for their license number and regulatory information

State Regulatory Agencies

Each state has its own agency that regulates lending activities. If you have questions about lending laws in your state or need to file a complaint, contact your state's regulatory agency. You can typically find this information by searching for "[Your State] Department of Financial Institutions" or similar.

Federal Compliance

In addition to state regulations, lenders must comply with federal laws including:

• Truth in Lending Act (TILA)
• Fair Credit Reporting Act (FCRA)
• Equal Credit Opportunity Act (ECOA)
• Fair Debt Collection Practices Act (FDCPA)
• Electronic Fund Transfer Act (EFTA)
• Gramm-Leach-Bliley Act (GLBA)

Tribal Lenders

Some lenders in our network may be owned by Native American tribes and operate under tribal law. These lenders may not be subject to state lending laws but typically follow federal lending regulations and their own tribal regulations.

Consumer Protection

Your rights as a borrower are protected by both federal and state laws. You have the right to:

• Receive clear information about loan terms before accepting
• Not be discriminated against based on protected characteristics
• Be treated fairly in the collection process
• File complaints with regulatory agencies
• Dispute errors on your credit report

Filing Complaints

If you believe a lender has violated lending laws or engaged in unfair practices, you can:

• File a complaint with your state's financial regulatory agency
• File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint
• Contact the lender's regulatory agency in the state where they are licensed

Questions About Licensing

If you have specific questions about licensing or regulatory compliance, please contact us and we will do our best to assist you or direct you to the appropriate resources.

Email: contact@moneytreesloans.com
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