How we verify state lending data
State lending rules can change by product, loan amount, term, lender type, and fee structure. We do not publish a numeric state limit as verified until a reviewer can trace it to an official statute or regulator publication.
Our source order
We start with the state code or regulation, then check the state regulator’s current consumer or licensing material. Federal sources may explain a federal protection, but they do not replace state law. Search snippets, lender pages, blogs, and secondary summaries are not evidence.
What we record
For each verified entry we record the product scope, statute citation, official URLs, amount and term scope, fee versus APR distinction, rollover rules, review date, and reviewer. A fee quoted as a percentage of principal is not silently converted into a statutory APR cap.
Pending means pending
When a state has not completed this process, its page may explain where to check the law and how to verify a lender, but it does not publish unverified numeric limits or enter them into the sitemap. This is deliberate: an honest gap is safer than a precise-looking guess.
Corrections and review
If you find a current statute or regulator publication that changes a conclusion, send the URL, citation, affected claim, and a short explanation through our corrections page. We keep the previous conclusion visible in the research record until the new source is reviewed.