Editorial policy
Every state rule on this site links to an official source — a statute, regulation or state regulator page — and shows the date it was last verified. If we can't verify a number, we don't publish it.
Sources we use
- State legislatures' official code sites and state administrative codes
- State banking / financial-institution regulators and attorneys general
- Federal agencies: CFPB, FTC, NCUA, FDIC, Federal Reserve, Department of Defense (Military Lending Act)
- Public data: U.S. Census Bureau American Community Survey (2020–2024 5-year), FDIC BankFind, NCUA 5300 Call Reports (June 2026)
Independence
We are paid by lenders when we connect them with consumers (see how we make money). Lenders do not review or approve our content, and the law summaries are the same whether or not a product earns us money. Where a product is not legal, we say so and show legal alternatives.
Corrections
Spot an error or a law change? Email support@zebrafinance.com with the page and the official source. We review corrections within five business days and note the update date on the page.
Not advice
Our content is general information, not legal or financial advice. Laws change; always read your loan agreement and check with your state regulator.