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State-by-State Cash Advance Rules: Quick Reference
Oct 19, 2025
Regulation
This is a high-level illustrative reference summarizing common thematic differences by state—NOT a legal source. Always consult original statutes or legal counsel before operational decisions.
Illustrative State Theme Table
| State | Fee/Cost Posture | Disclosure Emphasis | Enforcement Focus |
|---|---|---|---|
| CA | Transparent cost, tip scrutiny | APR equivalency narratives | Data sharing clarity |
| NY | Tighter cost framing | Plain language | Marketing accuracy |
| TX | Higher variability | Contract clarity | Fee stacking |
| IL | Structured rate oversight | Consumer comparison | Licensing adherence |
Key Divergence Areas
- Fee cap structures (flat vs tiered vs none).
- Disclosure formatting (APR vs scenario-based).
- Tip classification treatment.
Operational Adaptation Checklist
- Dynamic disclosure module by state code.
- Central registry of cost components with jurisdiction flags.
- Automated tip prompt wording variant testing.
Internal Links
Illustrative only; verify primary legal sources.