Fact Sheets

INFiN is proud to be a source of reliable information about the consumer financial services industry, its products, and customers. The following fact sheets provide background on INFiN, its mission, the customers INFiN members serve, the products and services offered, and the issues and dynamics surrounding this vital industry.

About INFiN & Regulated Consumer Financial Services

• INFiN Fact Sheet
• Regulated, Transparent Consumer Financial Services
• Our Commitment to Customers

The Evolving Consumer Credit Marketplace

• The Tenuous Financial Landscape Facing Consumers
• Weighing Consumer Credit Options: Product Comparison
• Buy Now, Pay Later Loans: A Newer Financial Service with Serious Risks
• Who Chooses Non-Bank Consumer Financial Services and Why?
• Bank Partnerships Benefit Consumers
• The Cashless Economy Means Financial Exclusion

The Customer Experience: Satisfied Customers

• Low Complaints, High Satisfaction
• Survey: Small-Dollar Loan Borrowers Far More Favorable Toward Products Than Those Without Small-Dollar Loan Experience
• Survey: Small-Dollar Loan Borrowers Largely Positive About The Product

Dispelling Common Myths

• Dispelling Common Myths: The Facts About Short-Term, Small-Dollar Loans

APR: A Flawed Calculation

• APR Distorts Flat Fee for Short-Term, Small-Dollar Loans
• How Do Small-Dollar, Nonbank Loans Work?

Unintended Consequences of Overregulation

• The Unintended Consequences of the Overregulation of Small-Dollar Loans
• APR Caps Lead to Effective Bans on Short-Term, Small-Dollar Consumer Loans
• Experts Agree: The Negative Consequences of a Small-Dollar Loan Interest Rate Cap
• Who Says There’s No Small-Dollar Lending in Your State?

Research

• Independent Research on Consumer Lending