In short, the study does not reflect how legitimate online lenders conduct business today. We do, however, agree with a number of the conclusions in the Pew report, including the need for more fraud protection and citibank double cash cash advance fee, clear federal guidelines for small-dollar loans. "OLA and its members abide by a strict set of industry best practices that Pew referenced positively in its study. OLA companies use sophisticated underwriting analytics to ensure customers are willing and able to repay.

Defaults arent good for the lender or the consumer. OLA has a fraud prevention and identification program that works with the FTC to shut down [fraudulent lenders]. OLAs newly launched 'Look for the Seal' education campaign encourages consumers to 'know before they owe' and only work with responsible, legitimate online lenders.

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