Is ACE Cash Express registered with the Financial Conduct Authority?

This question applies to the UK (FCA). ACE Cash Express operates strictly in the United States. As such, it does not register with the FCA.

The Borrower’s Rights Perspective:

Instead of asking if an app is on a store (it is on Google Play/App Store), you must check if a lender obeys your local laws (in the US, state caps on interest). ACE is a registered Money Services Business (MSB) in the US. However, registration is a minimum requirement; it is not a badge of safety. Your rights include:

1. The Right to a Free Repayment Plan: In many states, you are legally entitled to a payment plan to get out of debt without extra fees. ACE was fined for hiding this .
2. The Right to Cease Communication: If a lender (even a registered one) harasses you, you have the right to demand they stop calling your workplace or family.
3. The Right to Dispute: You can dispute electronic withdrawals with your bank as "unauthorized" if the lender breaks the law.