State Laws
Last updated: July 02, 2025
At Moneynauts.com, we are committed to operating in full compliance with all applicable state and federal laws. As a comparison platform connecting you with lenders and service providers for loans, mortgages, solar, and home improvement offers, we adhere to state-specific regulations to ensure transparency, fairness, and consumer protection. Below is an overview of how state laws apply to our services. Please note that terms, rates, and availability of offers may vary by state due to local regulations.
Licensing and Registration
Moneynauts.com operates as a comparison platform and may be required to hold licenses in certain states, such as mortgage broker or consumer lending licenses, depending on the services provided. We maintain compliance with state financial regulatory bodies, including but not limited to:
- California: Licensed under the California Financing Law (CFL) where required, overseen by the Department of Financial Protection and Innovation.
- New York: Registered as needed with the New York Department of Financial Services for mortgage and consumer lending activities.
- Florida: Compliant with licensing requirements from the Office of Financial Regulation for mortgage and consumer finance services.
- Texas: Adheres to regulations from the Office of Consumer Credit Commissioner for applicable loan types.
For a complete list of our licenses or to verify our status, please contact us or visit the Nationwide Multistate Licensing System (NMLS) website. In states where we do not arrange loans directly, we operate as a referral service, connecting you with licensed lenders and providers.
Consumer Protection and Transparency
We prioritize your rights under state consumer protection laws. These laws ensure fair practices, clear disclosures, and data privacy:
- Disclosures: We clearly disclose that Moneynauts.com may receive compensation from lenders or providers, which may influence the offers presented. Loan terms, rates, and eligibility vary by state and are subject to lender approval.
- Data Privacy: Your personal information is protected under state privacy laws, such as the California Consumer Privacy Act (CCPA) and similar regulations in states like Oregon and Minnesota. Financial data is safeguarded per the federal Gramm-Leach-Bliley Act (GLBA). See our Privacy Policy for details on how we collect, share, and protect your information.
- Fair Advertising:: We comply with state laws prohibiting unfair or deceptive practices, ensuring our marketing and advertised rates are accurate. Prequalification offers use soft credit checks, which do not impact your credit score, though full applications may involve hard credit inquiries.
State-Specific Lending Regulations
Loan and service offers on Moneynauts.com are subject to state laws governing interest rates, loan terms, and fees:
- Usury Laws: States like New York (16% cap for most consumer loans) and California enforce maximum interest rates. We work with lenders to ensure compliance with these limits.
- Loan Terms: Minimum and maximum loan amounts, repayment periods, and eligible services (e.g., solar or home improvement financing) vary by state. For example, mortgage offers in Florida and Texas must meet state-specific requirements.
- Referral Fees: In states like California, referral fees for mortgage loans are restricted unless the platform is licensed. We adhere to these rules in all jurisdictions.
Marketing and Communication
Our marketing practices comply with state regulations, including:
- Accurate Rates: Advertised rates and terms are estimates based on your state and profile, subject to lender verification. Not all applicants qualify for the lowest rates.
- Opt-Out Options: States like Florida and California regulate marketing communications. You can unsubscribe from emails or limit lender contacts via our website or by contacting us.
State-Specific Information
Because regulations differ across states, we tailor our services to meet local requirements. For example:
- California: Offers are subject to CFL regulations and CCPA privacy rights. Referral fees for mortgages are limited to licensed entities.
- New York: Mortgage and consumer loans comply with strict usury laws and Department of Financial Services oversight.
- Florida: Mortgage and consumer finance offers adhere to Office of Financial Regulation standards.
- Texas: Loan offers meet Office of Consumer Credit Commissioner guidelines.
For detailed information on how our services apply in your state, please visit our Terms of Use or contact us. You can also review state-specific disclosures on our website.
Contact Us
Have questions about state laws or our compliance? Reach out to us at here or visit our Help Center. We’re here to ensure you have a transparent and secure experience with Moneynauts.com.
Note: This information is provided for general guidance. Loan and service availability, terms, and conditions depend on your state of residence and lender policies. Always review lender agreements carefully.