HELP! Ability to Repay Rule by CFPB: Notice of Proposed Rulemaking & Payday Loans


There is a CFPB Notice of Proposed Rulemaking [NPRM] expiring May 15th that rescinds the ATR (Ability To Repay) portion of the rule.

YOU SUPPORT THIS NPRM to help your customers, your employees, your family, and your business!

So… stop whatever you’re doing now! Provide comments and engage your customers.

FiSCA (Financial Service Centers of America) has MADE THIS REALLY EASY FOR US!

FISCA created the “We Deserve Credit” campaign to assist in engaging our customers and employees in this important effort.

How Can You Help? Generate comments & petitions! Just like our antagonists do. Remember my EXAMPLES? CLICK HERE

How to start a payday loan business

Payday Loans & the CFPB

The FISCA “We Deserve Credit” Campaign makes it easy.

Gather comments & signatures for the petition to support the NPRM.

FiSCA has set up an easy way to do both. Share FISCA’s web portal with customers and employees. Computers, tablets, and smartphones can be set up in your offices for customers to use. Same IP address? Not a problem.
The link for the comment portal is

The link for the petition portal where a customer can just sign the petition and not leave a comment.

How you can get the word out? EASY!
FiSCA has resources to help you publicize this campaign. There are links below for promotional materials as well as sample email and text messages.

Poster: FISCA Poster PDF

HandOut: FISCA Handout PDF

Click Here for FISCA sample emails and text messages:

Keep a count of how many emails/text messages you send out. Please keep track of the number of recipients for each email/text message you send out.

More support is on the way from FISCA! They are engaging an outline that company owners, shareholders, etc. will use to write their own letter.

Your customers and employees MUST be alerted. They will suffer the most if you fail to act.

We’re smart! We’ll survive if we fail to take action TODAY! Our customers, our employees, our vendors, our local retailers… may not.

Meanwhile, to start or improve your loan business, Click Here to Begin. Schedule a call or pick up a copy [PDF] of the latest version of our “Bible: How to Loan Money to the Masses Profitably.” 702-208-6736 Starting a loan biz? Buying a loan biz? Need to improve your loan biz? Reach out…


The Horrible, Inexcusable Truth Behind Payday Loan Lobbyists in D.C.

SHOCKING NEWS! The Washington Post reveals the payday loan industry pays lobbyists to prowl Washington D.C!

The Washington Post points out that consumer lenders in the Fintech, installment, car title and payday loan industry pay lawyers and other insiders to lobby Washington D.C. on behalf of their own interests. Simply astounding!

Next thing you know, it will be revealed that AARP pays lobbyists huge sums of $$ as well to protect Boomers from bureaucrats trying to “prune” their Social Security checks. Oh, wait… AARP did! $8M+

The top 20 Banks in the USA spent $22M lobbying D.C.

Lawyers spent $220M! [To be clear, that’s $220,000,000!] Great white SHARKS!

payday loan lawyer great white

                Lawyer Great White Shark

Planned Parenthood spent $6M!

Credit Unions spent $7.5M!

What about Payday Loan Lenders? Guilty as charged! We spent nearly $2M! Cheapskate, dwarf lantern sharks…

Washington Post Mention-02-25-2019

The Business of Lending to the Masses: Do You Have a Specific Skill Set for Hire?

Are you an expert in any segment of “the business of lending money to the masses?”
Do you have specific, extraordinary expertise relevant to our industry
  • Collection tools, strategies, alternative data …
  • Customer Acquisition channels/credit risk/Frictionless Onboarding/Originations>Recovery
  • Asset Protection? Tax minimization? R & D tax credit applications…
  • Call center operations, conversion analytics…
  • Tribe relationships
  • Technology implementation
  • Bank relationships
  • Multi-channel payment processing expertise
  • Analytic support/risk modeling/P & L Analysis…
  • Compliance
  • Other…
Our company, Trihouse Consulting, represents direct lenders, investors and industry vendors on the “prowl” for TALENT.  Many of these assignments can be performed remotely. Many are part-time; a few hours/week.
If you possess any of these skill sets – and are extraordinary – reach out. 
You need to hire these skill sets? Reach out as well.

1st Tribal Lending

1st Tribal Lending

The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

Because of the unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.

To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers. By… Read More



Payday Loans: Working the Phones = How to Fund Loans & Collect Your Money

This is a blast from the past INSPIRATIONAL message for all of us when we’re feeling a little tired, frustrated, cold, wet, hot… while funding loans and collecting our $$$.

A lender in our industry innocently asked me how I get “pumped!” Just “playing” in the “business of lending money to the masses” turns me on. The inbound opportunities shooting at me daily fires me up! Participating in calls and brain dumps with the smartest folks on the planet = HUGE ADRENALINE PUMP and jacks me up!

Watch this Leonardo de Caprio PERFORMANCE now & then. Bookmark this page. Watch the Video below and prepare to become Faster Than a Speeding Bullet! More Powerful Than a Locomotive! Able to Leap Tall Buildings in a Single Bound!

Warning: This is adult content! It’s not politically correct. So, if you don’t think you want to expose yourself, go here: Disney.


Your payday loan Team need a little INSPIRATION?


“So, you listen to me and you listen well. Are you behind, on your credit card bills? Good. Pick up the phone and start dialing. Is your landlord ready to evict you? Good. Pick up the phone and start dialing. Does your girlfriend think you’re a fking loser? Good. Pick up the phone and start dialing! I want you to deal with your problems, by becoming rich! All you have to do today …is pick up that phone, and speak the words that I have taught you. And I’ll make you richer than the most powerful CEO of the United States of fking America.”

WARNING: For those of you who cringe at anything politically incorrect, DO NOT WATCH “The Wolf” work the phones!

Gather your Team around a computer monitor for 90 seconds and immerse yourselves in a TRUE ADRENALINE RUSH the likes of which your more timid souls have NEVER BEFORE EXPERIENCED!


Watch & listen as the “Wolf of Wall Street” works the phones.

GUARANTEED, YOU & your TEAM will achieve a MASSIVE 10X+ increase in ROI today.

PS: A HUGE thankyou to Robert Wheeler at TOFSC for bringing this to our attention!

See those little black boxes? They are called telephones.

I’m gonna let you in on a little secret about these telephones.

They’re not gonna dial themselves! Okay? Without you, they’re just worthless hunk of plastic. Like a loaded M16 without a trained Marine to pull the trigger. And in the case of the telephone, it’s up to each and every one of you, my highly trained Strattonites, my killers.

My killers who will not take no for an answer! My fucking warriors who’ll not hang up the phone, until their client either buys or fucking dies!

Let me tell you something. There is no nobility in poverty. I’ve been a rich man, and I’ve been a poor man. And I choose rich every fucking time. Cause, At least as a rich man, when I have to face my problems, I show up in the back of a limo wearing a $2000 suit …and $40,000 gold fuckin’ watch!

Now, if anyone here thinks I’m superficial or materialistic. Go get a job at fucking McDonald’s, because that’s where you fucking belong!

But, before you depart this room full of winners, I want you to take a good look at the person next to you, go on. Because sometime in the not-so-distant future, you’re pullin’ up to a red light in your beat-up old fucking Pinto, and that person is gonna pull up right alongside you in a brand new Porsche, with their beautiful wife by his side, who’s got big voluptuous tits. And who will you be next to? Some disgusting wilder beast with three days of razor-stubble in a sleeveless moo-moo, crammed in next to you with a carload full of groceries from the fucking Price Club! That’s who you’re gonna be sitting next to.

So, you listen to me and you listen well. Are you behind, on your credit card bills? Good. Pick up the phone and start dialing. Is your landlord ready to evict you? Good. Pick up the phone and start dialing. Does your girlfriend think you’re a fucking loser? Good. Pick up the phone and start dialing! I want you to deal with your problems, by becoming rich! All you have to do today …is pick up that phone, and speak the words that I have taught you. And I’ll make you richer than the most powerful CEO of the United States of fucking America.

I want you to go out there, and I want you to RAM Steve Madden stock down your clients’ throats. Till they fucking choke on it till they choke on it and buy 10,000 shares! That’s what I want you to do. You’ll be ferocious! You’ll be relentless! You’ll be telephone fucking terrorists! Now, let’s knock this Motherfucker out of the park!

I listen to this every day before I sell. I ignore no soliciting signs, kick dogs that try to bite me, and shout out my sales pitch before they tell me “not interested” that would put Billy Mays to shame. I MAKE them interested. Everyone is either a buyer or a chump who isn’t qualified to buy. I don’t go home until I sell, I’d rather piss off a hundred people than not pay my bills.