Licensing and regulatory information for our lending partners
Cash Loans Bear is not a lender and is not required to maintain lending licenses. However, the lenders in our network are licensed and regulated according to the laws of the states in which they operate.
Lending laws and licensing requirements vary significantly by state. All lenders in our network comply with applicable federal and state regulations, including registration, licensing, and disclosure requirements.
Our service is available in most states, but lender availability varies by location. Some states have more restrictive lending laws, which may limit the types of loans or lenders available to residents.
When you submit your information, we will only match you with lenders who are authorized to operate in your state of residence.
Each lender in our network maintains the necessary licenses to operate legally in the states they serve. If you receive a loan offer, the lender will provide their licensing information, which may include:
This information is typically included in the loan agreement or available upon request from the lender.
Lenders are typically regulated by state financial regulatory agencies, which may include:
The specific agency varies by state. If you have concerns about a lender's practices, you can contact your state's regulatory authority.
Some lenders in our network may be owned or operated by Native American tribes. These lenders may operate under tribal sovereignty and may not be licensed by state agencies.
Tribal lenders typically provide disclosure about their tribal affiliation, governing laws, and dispute resolution procedures in their loan agreements.
In addition to state regulations, lenders must comply with federal consumer protection laws, including:
The Consumer Financial Protection Bureau (CFPB) oversees many aspects of consumer lending at the federal level.
If you want to verify that a lender is properly licensed, you can:
Legitimate lenders are happy to provide licensing information and proof of compliance.
Below are links to state financial regulatory agencies where you can find information about licensed lenders:
For specific state regulatory information, search "[Your State] Department of Financial Institutions" or "[Your State] Banking Commission."
If you believe a lender is operating without proper licenses or engaging in illegal practices, you can report them to:
As a connection service, Cash Loans Bear works only with lenders who represent that they are properly licensed and compliant with applicable laws. However, we do not independently verify each lender's licensing status or regulatory compliance.
If you receive an offer from a lender and have questions about their licensing, we encourage you to:
State lending laws and licensing requirements can change. Lenders may enter or exit certain markets based on regulatory changes or business decisions.
For the most current information about a lender's licensing status, contact the lender directly or check with your state regulatory agency.
If you have questions about state licensing or the lenders in our network, contact us at:
Email: support@cashloanbear.com
For questions about a specific lender's licensing or regulatory compliance, contact the lender directly.
