Blocks submissionGoogle Play

An app with financial features files the Financial features declaration and meets the loan rules

The question The app has financial features. Is the Financial features declaration filed in Play Console? If it offers loans: Finance category, repayment period, maximum APR and representative cost in the listing, no loans due within 60 days, no US loans at 36% APR or more, no access to contacts or photos?

A person or a model answers it from the app's texts and screens; the answer is kept only while the facts it saw are unchanged.

Applies when listing:\b(loan|credit|invest|trading|bank|wallet|crypto|budget|payment|insurance|mortgage|wage)

Checked from on a test track, submitted and in review, published

The rule, in our words

• Financial Services: Any app with financial features must complete the Financial features declaration in Play Console and comply with the financial regulations of every region it targets; binary options trading is banned. Personal-loan apps (direct lenders, lead generators and connectors) must be in the Finance category and disclose in the listing the minimum and maximum repayment period, the maximum APR, a representative total-cost example and a comprehensive privacy policy; loans requiring full repayment in 60 days or less are banned; in the United States loans at 36% APR or higher are banned and the APR must follow TILA. Earned-wage-access apps have parallel Finance-category and disclosure duties. Loan, credit, loan-accessory and EWA apps may not access sensitive data and may not hold READ_EXTERNAL_STORAGE, READ_MEDIA_IMAGES, READ_CONTACTS, ACCESS_FINE_LOCATION, READ_PHONE_NUMBERS, READ_MEDIA_VIDEO, QUERY_ALL_PACKAGES or WRITE_EXTERNAL_STORAGE. Google must be able to link the developer account to any licence, and India, Indonesia, the Philippines, Nigeria, Kenya, Pakistan and Thailand each carry extra licensing and disclosure requirements.

Okkok never stores the stores' text. Each item above is our paraphrase, and the link is the page it rests on, verified unchanged by fingerprint on every run.

The other store

• Apple restricts who may offer the feature; Google requires a declaration and regional licensing that Google can link to the developer account. partial
• Google adds a mandatory console declaration and country-specific licence requirements (India, Indonesia, Philippines, Nigeria, Kenya, Pakistan, Thailand); Apple relies on the submitter being the licensed institution. partial
• Same numbers (36% APR, 60 days), but Apple's APR cap applies globally while Google's applies to the United States; Google adds Finance-category placement, TILA-compliant APR display, and forbids loan apps holding contacts, location, storage, media and phone-number permissions. google-stricter

Check your app

pip install git+https://github.com/petresandu-cloud/okkok
okkok audit path/to/app

The report names this rule as google.financial-features-declared and says what to do, who does it, where, and how it knows.