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Consumer Information Business Information En Espanol

The JumpStart Coalition for Personal Financial Literacy seeks to improve the financial literacy of young adults.

New: Now you can get consumer information from the FTC two ways: Click on TEXT or PDF for written information or click on RAM or MP3 for an audio file that features one minute of related information from Shirley Rooker, director of WTOP's Call for Action.

Consumer Information

  • 66 Ways to Save Money [TEXT] [PDF]

  • A Consumer's Guide to E-Payments [TEXT] [PDF]

  • Ads Promising Debt Relief May Be Offering Bankruptcy [TEXT] [PDF]

  • Advance-Fee Loan Scams Campaign [TEXT]

  • Automatic Debit Scams [TEXT] [PDF]

  • Avoiding Credit and Charge Card Fraud [TEXT] [PDF]

  • Credit Card Fraud (audio) [TEXT] [RAM] [MP3]

  • Billed for Merchandise You Never Received? [TEXT] [PDF]

  • Bogus July 1 Email Exposed: The Real Deal on Your Credit File Privacy [TEXT] [PDF]

  • Building a Better Credit Record [TEXT] [PDF]

  • Erase Bad Credit (audio) [TEXT] [RAM] [MP3]

  • Cancellation of Private Mortgage Insurance: Federal Law May Save You Hundreds of Dollars Each Year [TEXT] [PDF]

  • Choosing and Using Credit Cards [TEXT] [PDF]

  • Credit Card Interest Rates (audio) [TEXT] [RAM] [MP3]

  • Cosigning a Loan [TEXT] [PDF]

  • Credit, ATM and Debit Cards: What to do if They're Lost or Stolen [TEXT] [PDF]

  • Credit and Divorce [TEXT] [PDF]

  • Credit and Your Consumer Rights [TEXT] [PDF]

  • Too Good Credit History (audio) [TEXT] [RAM] [MP3]

  • Credit and Debit Card Blocking [TEXT] [PDF]

  • Credit Card Loss Protection Offers: They're the Real Steal [TEXT] [PDF]

  • Credit Card Protection Scams (audio) [TEXT] [RAM] [MP3]

  • Credit Insurance: Is It for You? [TEXT] [PDF]

  • Credit Repair: Getting Back in the Black Campaign [TEXT]

  • Credit Repair: Self-Help May Be Best [TEXT] [PDF]

  • Credit Rules Bookmark [TEXT] [PDF]

  • Credit Scoring [TEXT] [PDF]

  • Easy Credit? Not So Fast. The Truth About Advance Fee Loan Scams [TEXT] [PDF]

  • E-Checks (Electronic Check Conversion) [TEXT] [PDF]

  • Electronic Banking [TEXT] [PDF]

  • Equal Credit Opportunity [TEXT] [PDF]

  • Fair Credit Billing [TEXT] [PDF]

  • Fair Credit Reporting Act (FCRA), as amended (12/03) [PDF]

  • Your Credit Report (audio) [TEXT] [RAM] [MP3]

  • Fair Credit Reporting Act, as amended Campaign [TEXT]

  • Fair Debt Collection [TEXT] [PDF]

  • Your Fair Debt Collection Rights (audio) [TEXT] [RAM] [MP3]

  • Fake Credit Reports: Cashing in on Your Personal Information [TEXT] [PDF]

  • Fiscal Fitness: Choosing a Credit Counselor [TEXT] [PDF]

  • Getting Credit: What You Need to Know About Your Credit [TXT] [PDF]

  • Getting Credit When You're Over 62 [TEXT] [PDF]

  • Getting Purse-onal [TEXT] [PDF]

  • Gold and Platinum Cards [TEXT] [PDF]

  • Guide to the Federal Trade Commission [TEXT] [PDF]

  • High-Rate, High-Fee Loans (HOEPA/Section 32 Mortgages) [TEXT] [PDF]

  • Hoax Targets Elderly African Americans [TEXT] [PDF]

  • Home Equity Credit Lines [TEXT] [PDF]

  • Home Equity Loans: Borrowers Beware! [TEXT] [PDF]

  • How To Dispute Credit Report Errors [TEXT] [PDF]

  • Identity Crisis... What to Do If Your Identity Is Stolen [TEXT] [PDF]

  • Identity Theft: Identity Thieves Can Ruin Your Good Name [TEXT] [PDF]

  • ID Theft: What's It All About? [TEXT] [PDF]

  • Identity Theft Video News Release [length: 2 mins, 30 sec]
    Real Media: Dial Up Connection  | Real Media: High Speed Connection
    Windows Media: Dial Up Connection | Windows Media: High Speed Connection

  • ID Theft Web Site [TEXT]

  • ID Theft: When Bad Things Happen To Your Good Name [TEXT] [PDF]

  • Protect Your Personal Information (audio)[TEXT] [RAM] [MP3]

  • Identity Theft (audio)[TEXT] [RAM] [MP3]

  • Knee Deep in Debt [TEXT] [PDF]

  • Look Before You Lease [TEXT] [PDF]

  • Looking for the Best Mortgage? [TEXT] [PDF]

  • Making a Buck: Employment, Work-at-Home and Credit Information [TEXT]

  • Mortgage Discrimination [TEXT] [PDF]

  • Mortgage Servicing: Making Sure Your Payments Count [TEXT] [PDF]

  • Mortgage Servicing: Make Sure Your Payments Count! (Bookmark) [PDF]

  • Need a Loan? Think Twice About Using Your Home as Collateral [TEXT] [PDF]

  • Negative Credit Can Squeeze a Job Search [TEXT] [PDF]

  • New ID? Bad IDea: File Segregation Exposed [TEXT] [PDF]

  • Out of Work? How to Deal with Creditors [TEXT] [PDF]

  • Payday Loans = Costly Cash [TEXT] [PDF]

  • Pretexting: Your Personal Information Revealed [TEXT] [PDF]

  • Privacy Choices for Your Personal Financial Information [TEXT] [PDF]

  • Privacy: Tips for Protecting Your Personal Information [TEXT] [PDF]

  • Privacy: What You Do Know Can Protect You [TEXT] [PDF]

  • Putting Your Home on the Loan Line Can Be Risky Business [TEXT] [PDF]

  • Ready, Set... Credit [TEXT] [PDF]

  • Reverse Mortgages [TEXT] [PDF]

  • Secured Credit Card Marketing Scams [TEXT] [PDF]

  • Shopping for a Home Equity Loan? [TEXT] [PDF]

  • Shopping for a Home Equity Loan? Bookmark [PDF]

  • Take Charge of Your Credit [TEXT] [PDF]

  • The Credit Practices Rule [TEXT] [PDF]

  • Top Ten Dot Cons: Consumer Information [TEXT]

  • Understanding Vehicle Financing [TEXT] [PDF]

  • Utility Credit [TEXT] [PDF]

Business Information

  • Advertising Consumer Leases [TEXT] [PDF]

  • Consumer Reports: What Insurers Should Know [TEXT] [PDF]

  • Using Consumer Reports: What Landlords Need to Know [TEXT] [PDF]

  • Complying with the Credit Practices Rule [TEXT]

  • Credit Reports: What Information Providers Need To Know [TEXT] [PDF]

  • Fair Credit Reporting Act, Campaign as amended [TEXT]

  • Getting Business Credit [TEXT] [PDF]

  • How to Advertise Consumer Credit: Complying with the Law [TEXT]

  • How to Write Readable Credit Forms [TEXT]

  • Information Compromise and the Risk of Identity Theft: Guidance for Your Business [TEXT] [PDF]

  • Safeguarding Customers' Personal Information: A Requirement for Financial Institutions [TEXT] [PDF]

  • Using Consumer Reports: What Employers Need to Know [TEXT] [PDF]

Rules and Acts

  • Consumer Leasing Act [TEXT]

  • Credit Repair Organizations Act [TEXT]

  • Electronic Fund Transfer Act [TEXT]

  • Equal Credit Opportunity Act [TEXT]

  • Fair Credit Billing Act [PDF]

  • Fair Credit Reporting Act - Home Page [TEXT]

  • Fair Credit Reporting Act (FCRA), as amended (12/03) [PDF]

  • Fair Debt Collection Practices Act - Home Page [TEXT]

  • Fair Debt Collection Practices Act (FDCPA), as amended [TEXT] [PDF]

  • Federal Deposit Insurance Corporation Improvement Act of 1991 [TEXT]

  • Home Ownership and Equity Protection Act [TEXT]

  • Identity Theft and Assumption Deterrence Act [TEXT] [PDF]

  • Notices of Rights and Duties under the FCRA (July 1, 1997) [TEXT]

  • Information about the Opt-Out Provisions of the FCRA [TEXT]

  • Truth in Lending Act [TEXT]

Staff Comments and Letters

  • FCRA Staff Opinion Letters [TEXT]

  • FDCPA Staff Opinion Letters [TEXT]

  • FDCPA Annual Report To Congress (June, 1999) [TEXT]

  • FDCPA Annual Report To Congress (March 19, 1999) [TEXT] [PDF]

Business Resources

www.business.gov
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www.firstgov.gov

En Español

  • ¿Buscando la hipoteca más favorable? [TEXT]
    Looking for the Best Mortgage?

  • Cobranza Imparcial de Deudas [TEXT] [PDF]
    Fair Debt Collection

  • ¿Crédito Fácil? ¡No Tan Rápido! La Verdad sobre los Créditos con Cargo Adelantado [TEXT]
    Easy Credit? Not So Fast! The Truth About Advance-Fee Loans

  • El Crédito y sus Derechos como Consumidor [TEXT] [PDF]
    Credit and Your Consumer Rights

  • Endeudado hasta el cuello [TEXT] [PDF]
    Knee Deep In Debt

  • Préstamos con Garantía Hipotecaria: ¡Atención Prestatarios! [TEXT] [PDF]
    Home Equity Loans: Borrowers Beware!

  • Robo de Identidad [TEXT] [PDF]
    Algo malo puede pasarle a su buen nombre

  • Robo de Identidad - Sistematice los pasos a seguir [PDF]
    Chart Your Course of Action

  • Robo de Identidad - Instrucciones para Completar la Declaración Jurada de Robo de Identidad [PDF]
    Instructions for Completing the ID Theft Affidavit

  • Seguro de Crédito: ¿Es para Usted? [TEXT] [PDF]
    Credit Insurance: Is It for You?

  • ¿Sin trabajo? Cómo Lidiar con los Acreedores [TEXT] [PDF]
    Out of Work? How to Deal with Creditors

  • Su Información Privada: Lo Que Usted Sabe Lo Puede Proteger [TEXT]
    Privacy: What You Do Know Can Protect You

  • Su Información Privada: Sugerencias para Proteger su Información Personal [TEXT]
    Privacy: Tips for Protecting Your Personal Information

  • Utilizar su Hogar Como Garatiá para Un Préstamo es Arriesgado [TEXT] [PDF]
    Putting Your Home on the Loan Line Is Risky Business