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Federal and Regulatory Policy Resources

OLA’s federal policy and regulatory team works across a number of initiatives on behalf of OLA’s members and the industry as a whole. To that end, OLA works directly with legislative and regulatory policymakers to educate them by sharing industry information, submitting letters, and providing comments on relevant issues. OLA also organizes and participates in meetings with various groups and coalitions to coordinate and strengthen advocacy efforts.

Federal Policy Resources

January 30, 2025

OLA’s 2025 Policy Priorities

April 25, 2024

Federal Statutes and Regulations Applicable to the Consumer Finance Industry

October 26, 2022

Market Research Report: The Consumer Lending Market

Press Releases

Sep 08

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Online Lenders Alliance: Senator Durbin’s Latest National 36 Percent Interest Rate Cap Legislation Would Eliminate Vital Credit Products, Harming Consumers

By OLA Staff Federal Policy Press, Press Release No Comments

-Illinois Consumers’ Experiences After Rate Cap Clearly Demonstrate Rate Caps’ Negative Impacts- ARLINGTON, Va. (September 7, 2023)—After Senator Dick Durbin (D-Ill.) introduced his latest…

Jun 20

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New Report Offers Further Evidence About Consumers’ Inability to Access Small Dollar Credit from Banks and Credit Unions

By OLA Staff Federal Policy Press, Press Release, State Policy Press No Comments

-Southwest Public Policy Institute Investigation Plainly Refutes False Claims that Credit Unions’ Small Dollar Loan Products Will Meet the Needs of Most Consumers- ARLINGTON,…

Jun 08

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Online Lenders Alliance Statement on New Federal Reserve “Economic Well-Being of U.S. Households” Report: Latest Data Demonstrates Consumers’ Continued Need for Available Credit Options

By OLA Staff Federal Policy Press, Press Release No Comments

ARLINGTON, Va. (June 1, 2023)—After the Federal Reserve issued its new Economic Well-Being of U.S. Households in 2022 report last week, based on results from…

May 17

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New Online Lenders Alliance Survey Data Finds Many Customers of the Six Largest Banks Offering Small Dollar Loans Continue to Rely on Alternative Lenders to Help Meet Credit Needs

By OLA Staff Federal Policy Press, Press Release, Research Press No Comments

-Nearly Three out of Every Ten Consumers who Recently Used a Small Dollar Online Installment Lending Product were Customers of the Six Banks Touted as…

Apr 17

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Online Lenders Alliance: Despite Recent Assertions to the Contrary, the Number of Small Dollar Loans by Credit Unions Has Declined Since 2019, Leaving Many Consumers with Fewer Credit Options

By OLA Staff Federal Policy Press, Press Release No Comments

ARLINGTON, Va. (April 17, 2023)—In response to the latest article from the Pew Charitable Trusts’ Consumer Finance Team (“Credit Union Small-Dollar Loan Volume Hit New…

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Comment Letters

Jan 04

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OLA Comment: Office of the Comptroller of the Currency Notice of Proposed Rulemaking to ensure that national banks and Federal savings associations offer and provide fair access to financial services. Docket ID OCC-2020-0042

By OLA Staff Comment Letters No Comments

OCC rule on Fair Access to Banking Services The OCC announced a final rule to ensure that all legitimate businesses have fair access to banking…

Dec 01

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OLA Comment: Request for Information on the Equal Credit Opportunity Act and Regulation B Docket No. CFPB-2020-0026

By OLA Staff Comment Letters No Comments

OLA Comments in response to CFPB Request For Information (RFI) regarding preventing credit discrimination and building a more inclusive financial system. OLA filed comments with…

Jan 31

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FDIC RFI on Small Dollar Lending

By OLA Staff Comment Letters

On January 22, 2019, OLA provided comments to the FDIC in response to an Agency RFI on increasing small dollar lending by FDIC regulated institutions….

Jan 23

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OLA provides perspective on payments provision of CFPB Small Dollar Rule

By OLA Staff Comment Letters

On Friday, January 18, the Online Lenders Alliance provided the Consumer Financial Protection Bureau our perspective on the operational hardships that would result from the…

Oct 23

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OLA Provides Comments on Enhanced BCFP Trial Disclosure Program

By OLA Staff Comment Letters

Recently, the newly created Office of Innovation at the Bureau of Consumer Financial Protection (BCFP) announced changes to its “Trial Disclosure Program”. Under Dodd-Frank, the…

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Federal and Regulatory Policy Resources

Federal Policy Resources

OLA’s 2025 Policy Priorities

Federal Statutes and Regulations Applicable to the Consumer Finance Industry

Market Research Report: The Consumer Lending Market

Press Releases

Online Lenders Alliance: Senator Durbin’s Latest National 36 Percent Interest Rate Cap Legislation Would Eliminate Vital Credit Products, Harming Consumers

New Report Offers Further Evidence About Consumers’ Inability to Access Small Dollar Credit from Banks and Credit Unions

Online Lenders Alliance Statement on New Federal Reserve “Economic Well-Being of U.S. Households” Report: Latest Data Demonstrates Consumers’ Continued Need for Available Credit Options

New Online Lenders Alliance Survey Data Finds Many Customers of the Six Largest Banks Offering Small Dollar Loans Continue to Rely on Alternative Lenders to Help Meet Credit Needs

Online Lenders Alliance: Despite Recent Assertions to the Contrary, the Number of Small Dollar Loans by Credit Unions Has Declined Since 2019, Leaving Many Consumers with Fewer Credit Options

Comment Letters

OLA Comment: Office of the Comptroller of the Currency Notice of Proposed Rulemaking to ensure that national banks and Federal savings associations offer and provide fair access to financial services. Docket ID OCC-2020-0042

OLA Comment: Request for Information on the Equal Credit Opportunity Act and Regulation B Docket No. CFPB-2020-0026

FDIC RFI on Small Dollar Lending

OLA provides perspective on payments provision of CFPB Small Dollar Rule

OLA Provides Comments on Enhanced BCFP Trial Disclosure Program

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