State Regulations• Published: September 2, 2026
Extended Payment Plans (EPPs): State-Mandated Fee-Free Loan Workout Options
Financial Review: eCheckPayday Research Desk • NACHA & TILA Compliance Audited
Under Community Financial Services Association of America (CFSA) best practices and state statutes, borrowers experiencing repayment challenges can request a fee-free Extended Payment Plan (EPP).
1. EPP vs Standard Rollover Comparison
| Feature | Standard Rollover / Extension | Statutory Extended Payment Plan (EPP) |
|---|---|---|
| Additional Fee Assessment | New finance fee charged ($15–$30/$100) | $0.00 (Completely Free) |
| Installment Structure | Single balloon repayment | 4 equal installments over 60–90 days |
| Collection Activity | Potential collection referrals | All collection efforts legally frozen |
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Authored by the eCheckPayday Financial Desk
Our team analyzes automated clearing house (ACH) payment architectures, Check 21 Act settlement mechanisms, Truth in Lending Act disclosures, and state-level consumer credit statutes to deliver transparent, actionable financial research.