In addition if the dept of labor was informed that they are paying $200 to fronters for 40 hours worth of work they'd be fined substantially. Then FDFS would also get involved to check telemarketer licensing, look at the sales pitches, regulate them and everyone would be unhappy. They very specifically tell people they are a private funder and that they don't do traditional cash advances and that they'll get low rates "just above bank rates" and that their approval rate is over 94%.