Arizona law (A.R.S. § 44-1276) mandates an Advance Fee Disclosure to protect consumers from fraudulent "loan brokers" by ensuring transparency regarding upfront, non-refundable fees. The disclosure must be in writing, specifying the exact fee amount, a clear refund policy, services provided, and the expected funding timeline, with violations rendering contracts void and unenforceable [A.R.S. § 44-1278]. More information on this regulation can be found on the official Arizona Legislature website .