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About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

My payday lender claims to be located in another country and therefore does not have to comply with U.S. federal laws that protect consumers. Is that true?

Generally, if you take out a payday loan online as a resident of the United States, the lender with whom you’re doing business must follow U.S. federal laws.

Use caution when doing business with lenders who claim not to have to comply with U.S. laws. If you send your personal information to someone located outside the United States, they might not follow U.S. law with regards to proper storage and protection of your personal information.

Some state laws may also offer protections for state residents. Those protections may include licensing, requiring any lender to follow state law, and other rights.

You can report a lender who claims they do not have to follow the law to your state attorney general and to your state banking regulator. You can also submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.