Three decades. Zero enforcement actions.
Compliance is the product.
In consumer lending, the durable advantage is a clean record. Across more than $20 billion in originations since 1997, LoanAmerica's operating history includes zero TILA violations, zero state penalties, and zero regulatory enforcement actions.
0
TILA violations
0
State penalties
0
Enforcement actions
How we operate
Disclosure discipline
Every loan offer carries the full Truth in Lending Act disclosure set: APR, finance charge, amount financed, and total of payments, before any commitment. Risk-based pricing notices and adverse action notices follow Regulation B and the FCRA.
School-channel compliance
Preferred lender materials follow HEOA requirements. School certification runs through the industry-standard channels financial aid offices already use: ELM, FASTChoice, and HES/TurnKey.
Data protection
Application and certification data is encrypted in transit and at rest, with role-based access controls. Data handling commitments are documented in partnership and borrower agreements.
State-by-state guardrails
Lending is configured per state, with automated enforcement of applicable rate caps and state-specific requirements built into the origination process.
For schools: partnership-specific compliance documentation, including data handling and certification workflows, is provided during the partnership review. For legal terms, see our Privacy Policy and Terms of Service.