State Licensing Information

About Three Sticks Lending

Three Sticks Lending operates as a lead generator and connection service. We are not a lender and do not require state lending licenses. Our role is to connect prospective borrowers with licensed lenders and financial service providers.

All lenders in our network are responsible for their own state licensing and regulatory compliance. Each lender must be properly licensed in the states where they operate and must comply with all applicable federal and state lending laws.

State Availability

Our connection services are currently available to residents of the United States, with the following exceptions:

If you reside in one of these states, we are unable to process your loan request at this time. We periodically review state regulations and may expand our service area in the future.

All Other States

Residents of all other US states and territories may submit loan requests through our platform. However, individual lenders in our network may have additional state restrictions based on their licensing and business operations.

Lender Licensing Requirements

Lenders in our network are subject to various federal and state regulations. Depending on their business model and the states where they operate, lenders may be required to:

• Obtain lending licenses from state financial regulatory agencies
• Register as money transmitters or loan brokers
• Comply with state usury laws (maximum interest rate limits)
• Adhere to state-specific disclosure and documentation requirements
• Submit to regular examinations and audits by state regulators
• Maintain minimum capital requirements
• Post surety bonds as required by state law

Federal Regulations

Lenders in our network must comply with various federal consumer protection laws, including:

Truth in Lending Act (TILA)

Requires lenders to provide clear disclosures about loan terms, APR, finance charges, and payment schedules before you accept a loan.

Equal Credit Opportunity Act (ECOA)

Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Fair Credit Reporting Act (FCRA)

Regulates how lenders can use credit reports and requires them to provide adverse action notices if you're denied credit.

Fair Debt Collection Practices Act (FDCPA)

Prohibits abusive, deceptive, and unfair debt collection practices.

Electronic Fund Transfer Act (EFTA)

Protects consumers when making electronic payments, including ACH transfers for loan repayment.

Gramm-Leach-Bliley Act (GLBA)

Requires financial institutions to protect the security and confidentiality of customer information.

State-Specific Regulations

Each state has its own laws governing consumer lending. These regulations may include:

• Interest Rate Caps: Maximum APR or finance charges allowed
• Loan Amount Limits: Minimum and maximum loan amounts
• Loan Term Restrictions: Minimum or maximum repayment periods
• Fee Limitations: Restrictions on origination fees, late fees, and other charges
• Cooling-Off Periods: Right to cancel within a specified timeframe
• Rollover Restrictions: Limits on refinancing or extending loans
• Disclosure Requirements: Specific information that must be provided to borrowers

The specific regulations that apply to your loan will depend on your state of residence and the lender's licensing status.

Tribal Lending

Some lenders in our network may be owned and operated by Native American tribes or tribal entities. These lenders may claim sovereign immunity from state regulations and enforcement actions.

If you are matched with a tribal lender, the lender is required to disclose its tribal affiliation and provide information about applicable dispute resolution procedures. Tribal lenders typically follow federal lending laws and their own tribal regulations rather than state laws.

You should carefully review all disclosures from tribal lenders and understand which laws and regulations govern your loan agreement.

Verifying Lender Licensing

If you want to verify that a lender is properly licensed in your state, you can:

• Ask the lender for their license number and licensing agency
• Contact your state's financial regulatory agency
• Search the Nationwide Multistate Licensing System (NMLS) Consumer Access database at nmlsconsumeraccess.org
• Check your state Attorney General's website for licensed lender lists

Reputable lenders will readily provide licensing information upon request.

Regulatory Agencies by State

Each state has regulatory agencies that oversee consumer lending. If you have questions about state lending laws or want to file a complaint about a lender, contact the appropriate agency in your state.

Finding Your State Regulator

To find contact information for your state's financial regulatory agency:

• Visit the Conference of State Bank Supervisors website at csbs.org
• Search for "[Your State] Department of Financial Institutions"
• Contact your state Attorney General's consumer protection division

Federal Oversight

For complaints about federal lending law violations, contact:

• Consumer Financial Protection Bureau (CFPB)
  Website: consumerfinance.gov
  Phone: 1-855-411-2372
• Federal Trade Commission (FTC)
  Website: ftc.gov/complaint
  Phone: 1-877-382-4357

Three Sticks Lending Compliance

While we are not a lender, Three Sticks Lending is committed to:

• Operating transparently and ethically
• Clearly disclosing our role as a connection service, not a lender
• Protecting consumer information with appropriate security measures
• Complying with federal privacy and data protection laws
• Working only with lenders who represent that they are properly licensed
• Responding promptly to consumer inquiries and complaints

Network Lender Responsibility

Each lender in our network is an independent entity responsible for:

• Obtaining and maintaining all required state and federal licenses
• Complying with all applicable lending laws and regulations
• Providing accurate and complete loan disclosures
• Handling customer service and support
• Managing loan servicing and collections
• Resolving borrower complaints and disputes

Three Sticks Lending is not responsible for lender compliance with state licensing requirements. If you have concerns about a lender's licensing status or practices, contact the lender directly and your state regulatory agency.

Updates and Changes

State lending regulations change periodically. We monitor regulatory developments and update our service area and practices accordingly. The information on this page is current as of the date shown but may change.

For the most current information about state lending laws, consult your state regulatory agency or a qualified attorney.

Questions About Licensing?

If you have questions about state licensing, lender compliance, or regulatory matters, please contact us:

Three Sticks Lending
Email: contact@threesticks-lending.com
We respond within 24 hours (Mon–Fri)