ARIZONA TITLE LOAN ASSOCIATION

Engages with federal and state regulators by submitting formal comments and urging enforcement actions to protect consumers from excessive fees and illegal lending practices. This includes advocating for the CFPB's overdraft and credit card late fee rules and calling for investigations into Sales Finance companies making payday-like "registration" loans under title loan law.

Engages in policy advocacy before state agencies and federal regulators to strengthen consumer financial protections. This includes submitting comments to the Arizona Department of Insurance and Financial Institutions and urging federal action by the Consumer Financial Protection Bureau on issues like overdraft fees, credit card late fees, and enforcement against predatory lending practices.

The organization advocates against high-cost and predatory credit, including add-on fees, lax enforcement of consumer lender laws, and predatory car title loan carve-outs in Arizona's usury law. This includes opposing specific legislation like Senate Bill 1689 and House Bill 2309, which aimed to legalize earned wage advances or exempt payday loans from consumer lending laws.

Advocates against high-cost and predatory credit, including add-on fees, lax enforcement of consumer lender laws, and predatory car title loan carve-outs in Arizona's usury law. This includes opposing specific legislation like Senate Bill 1689 and House Bill 2309, which aimed to legalize earned wage advances or exempt payday loans from consumer lending laws.

Urges opposition to overturning Consumer Financial Protection Bureau (CFPB) rules, such as those reducing overdraft fees and regulating credit card late fees, and requests CFPB investigations into practices like "registration" loans by Arizona licensed Sales Finance companies.

The organization urges opposition to overturning Consumer Financial Protection Bureau rules, such as those related to overdraft fees and credit card late fees, and calls for investigations into practices by Arizona-licensed Sales Finance companies that may resemble payday loans under title loan law.

Publishes policy agendas, such as the Arizona Consumer Affordability 2026 Policy Agenda, in letters to the Arizona Legislature to influence financial regulations and consumer protection laws.

The organization publishes policy agendas, such as the Arizona Consumer Affordability 2026 Policy Agenda, and provides comments to state departments, like the Arizona Department of Insurance and Financial Institutions, on issues related to consumer lending and sales finance licenses.

Actively opposes state legislation that would expand access to high-cost or predatory credit products, including bills that would legalize earned wage advances or create carve-outs in usury laws for car title loans. Submits formal letters and analyses to legislative bodies, such as the Arizona House of Representatives and Senate, detailing risks to consumers.

Actively opposes state legislation that would expand access to high-cost or predatory credit products, including earned wage advances and car title loans, through formal letters and policy analysis submitted to the Arizona Legislature and regulatory bodies. Specific efforts include opposition to Senate Bill 1689, House Bill 2309, and carve-outs in usury law that enable predatory lending practices.

Submits comments to the Arizona Department of Insurance and Financial Institutions on matters such as the lending limits of licensed Consumer Lenders and the scope of Sales Finance licenses for Secondary Motor Vehicle Finance Transaction loans.

Produces and disseminates policy documents, such as the Arizona Consumer Affordability 2026 Policy Agenda, to inform and influence legislative debate on consumer financial health in Arizona.

Develops and disseminates formal policy agendas, such as the Arizona Consumer Affordability 2026 Policy Agenda, to guide legislative action on consumer financial protection and promote equitable lending standards in Arizona.