From 88e009c59b48293ab2a9046022f177f7e4ac5f1f Mon Sep 17 00:00:00 2001 From: Automated Date: Sun, 9 Jun 2024 06:02:24 +0000 Subject: [PATCH] 260 new, 27 changed, 0 removed MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit 260 new added |deleted|filename -------|-------|-------- 1609 0 www.consumerfinance.gov/about-us/blog/beware-of-new-cfpb-imposter-scams/index.html 1610 0 www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html 1655 0 www.consumerfinance.gov/about-us/blog/credit-disputes-getting-a-clear-statement-of-results-from-your-furnisher/index.html 1665 0 www.consumerfinance.gov/about-us/blog/dont-let-malicious-mail-make-your-money/index.html 1708 0 www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html 1664 0 www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html 1665 0 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    Beware of new CFPB imposter scams

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    This week, we confirmed that scammers are using CFPB employees’ names to try to defraud members of the public. We’ve heard from people, specifically older adults, who received phone or video calls.

    We can’t say it enough – the CFPB will NEVER contact you and ask you for sensitive information or to pay money. This includes never asking you to pay an upfront fee or taxes, or telling you that you’ve won a lottery, sweepstakes, or class-action lawsuit. We also won’t ask you for personal or sensitive information before you can cash a check we’ve issued.

    The latest phone and video scams may include:

    • A phone or video call or an email from an imposter claiming to be a CFPB or other U.S. government official
    • Messages or calls notifying you of an opportunity to participate in a class-action lawsuit, or that you’ve won a lawsuit or owe money you didn’t expect.
    • Being told you must first pay taxes or another upfront fee to collect the money. They may continue to find “reasons” for you to pay more fees or taxes. It is all part of the scam.

    If you’re contacted by someone from the CFPB and want to confirm whether it’s real or a scam, call our consumer call center at (855) 411-2372 between 8 a.m. and 8 p.m. ET, Monday through Friday.

    Also, if you’re expecting to receive a payment as a result of a CFPB enforcement action, you can learn more about the status of the payments by case and who to contact if you have questions.

    Signs of an imposter scam

    Scammers could reach out to you by phone, mail, email, text message/SMS, social media, messaging apps, or through other online channels. Scams can also occur in person, at home, or at a business.

    Here are some common signs of a scam:

    • You’re told you’ve won a sweepstakes or lottery you didn’t enter, or that you’re owed money from a class-action lawsuit.
    • You’re asked to pay upfront taxes or fees – either foreign or domestic.
    • You’re being pressured to act now. Scammers don’t want you to take the time to do research or to think too carefully before parting with your money.
    • A person claiming to be a government official contacts you to confirm your windfall. The emails sent may even appear to be from real government email addresses, but if you look further, the email is not from a “.gov” email.

    Learn about common types of scams

    Learn how to protect yourself

    Criminals and scam artists may try different tactics or ways of reaching you, but here are tips for how to protect yourself or your loved ones from scams:

    • Don’t share sensitive information – Avoid sharing Social Security numbers, account information, or credit card numbers with people you don’t know.
    • Never pay upfront for a promised prize – If you’re told you must pay fees or taxes to receive a prize, it’s a scam.
    • If it sounds too good to be true, it probably is – If someone is trying too hard or pressuring you, you can always walk away.

    Learn more about how to keep yourself and your loved ones safe

    Suspect a scam? Report it!

    Report consumer scams to the Federal Trade Commission

    Learn more about fraud and scams

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html b/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html new file mode 100644 index 000000000000..9a22c4998220 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html @@ -0,0 +1,1610 @@ + + + + + + + Credit card interest rate margins at all-time high | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Credit card interest rate margins at all-time high

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    + By + Dan Martinez + and + Margaret Seikel + – + + + + + +
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    By some measures, credit cards have never been this expensive. For cardholders who carry a balance without paying it off in full each month, issuers generally charge interest based on annual percentage rates (APRs). In 2022 alone, major credit card companies charged over $105 billion in interest, the primary cost of credit cards to consumers. While the effects of increases to the target federal funds rate have received considerable attention, the average APR margin (the difference between the average APR and the prime rate) has reached an all-time high.

    In this analysis, we show that higher APR margin drove about half of the increase in credit card rates over the last decade. In 2023, excess APR margin may have cost the average cardholder over $250. Major credit card companies earned an estimated $25 billion in additional interest revenue by raising APR margin. Increases to the average APR margin - despite lower charge-off rates and a relatively stable share of subprime borrowers - have fueled issuers’ profitability for the past decade. Higher APR margins have allowed credit card companies to generate returns that are significantly higher than other bank activities.

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    Credit card average APR margin is the highest on record.

    Over the last 10 years, average APR on credit cards assessed interest have almost doubled from 12.9 percent in late 2013 to 22.8 percent in 2023 — the highest level recorded since the Federal Reserve began collecting this data in 1994. The APR on most credit card accounts can be viewed as being composed of the prime rate and the APR margin. The prime rate (a benchmark most banks use to set rates) represents a good proxy for banks’ funding costs, which have increased in recent years. But credit card issuers have also sharply increased average APRs beyond changes in the prime rate.

    Nearly half of the increase in average APR over the last 10 years has been driven by issuers raising their APR margin. APR margin for revolving accounts is now at 14.3 percent, the highest point in recent history. More than half of issuers sent offers by direct mail with a higher APR margin in the third quarter of 2023 than on the same product the year before, according to our analysis of Competiscan data.

    Figure 1: Average APRs on Accounts Assessed Interest and Average Prime Rate at Year End

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    + Figure 1 is a bar graph that shows the average APRs at year end from 2013 to 2023. Each year has the average APR broken down by the prime rate and APR margin. Generally, from 2013 to 2023 the APR margin has increased from 9.6 percent to 14.3 percent. +
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    Source: Federal Reserve

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    Higher APR margin has fueled the profitability of revolving balances.

    Typically, card issuers set an APR margin to generate a profit that is at least commensurate with the risk of lending money to consumers. In the eight years after the Great Recession, the average APR margin stayed around 10 percent, as issuers adapted to reforms in the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) that restricted harmful back-end and hidden pricing practices. But issuers began to gradually increase APR margin in 2016. The trend accelerated in 2018, and it continued through the pandemic.

    Over the past decade, card issuers increased APR margin despite lower charge-off rates and a relatively stable share of cardholders with subprime credit scores. The average APR margin increased 4.3 percentage points from 2013 to 2023 (while the prime rate was nearly 5 percentage points higher). As such, the profitability of revolving balances excluding loan loss provisions (the money that banks set aside for expected charge-offs) has been increasing over this time period.

    Figure 2: Average APR Margin and Charge-Off Rate (Federal Reserve)

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    + Figure 2 is a line graph that shows the quarterly average APR margin and charge off rate from 1995 through 2023. Since 2013, the APR margin has generally increased while the charge off rate decreased. +
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    Source: Federal Reserve

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    Excess APR margin costs consumers billions of dollars a year.

    In 2023, major credit card issuers, with around $590 billion in revolving balances, charged an estimated $25 billion in additional interest fees by raising the average APR margin by 4.3 percentage points over the last ten years. For an average consumer with a $5,300 balance across credit cards, the excess APR margin cost them over $250 in 2023. Since finance charges are typically part of the minimum amount due, this additional interest burden may push consumers into persistent debt, accruing more in interest and fees than they pay towards the principal each year — or even delinquency.

    The increase in APR margin has occurred across all credit tiers. Even consumers with the highest credit scores are incurring higher costs. The average APR margin for accounts with credit scores at 800 or above grew 1.6 percentage points from 2015 to 2022 without a corresponding increase in late payments.

    Credit card interest rates are a core driver of profits.

    Credit card issuers are reliant on revenue from interest charged to borrowers who revolve on their balances to drive overall profits, as reflected in increasing APR margins. The return on assets on general purpose cards, one measure of profitability, was higher in 2022 (at 5.9 percent) than in 2019 (at 4.5 percent), and far greater than the returns banks received on other lines of business. Even when excluding the impact of loan loss provisions, the profitability of credit cards has been increasing.

    CFPB research has found high levels of concentration in the consumer credit card market and evidence of practices that inhibit consumers’ ability to find alternatives to expensive credit card products. These practices may help explain why credit card issuers have been able to prop up high interest rates to fuel profits. Our recent research has shown that while the top credit card companies dominate the market, smaller issuers many times offer credit cards with significantly lower APRs. The CFPB will continue to take steps to ensure that the consumer credit card market is fair, competitive, and transparent and to help consumers avoid debt spirals that can be difficult to escape.

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    Credit disputes: getting a clear statement of results from your furnisher

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    + By + Erin Jeweler + and + David Wake + – + + + + + +
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    If you’re trying to correct inaccurate or incomplete information on your credit report, the process can feel overwhelming. The communications you receive from the companies involved can be confusing, and the CFPB has found some companies have not handled consumer disputes in compliance with the law.

    The Fair Credit Reporting Act tells companies how credit reporting disputes should be handled. Some of the requirements apply to furnishers. Furnishers are the companies like banks, mortgage lenders, and credit card issuers that provide information that is included in credit reports.

    According to federal law, if a consumer disputes directly with the furnisher the accuracy of information that’s been furnished to credit reporting companies, the furnisher is required to conduct a reasonable investigation about the dispute. After completing this reasonable investigation, the furnisher is required to “report the results of the investigation to the consumer” generally within 30 days.

    We recently reported that CFPB examiners had found credit card furnishers were sending unclear notices to consumers at the end of dispute investigations. In some cases, these notices did not tell the consumer the result of the dispute investigation. Some of these notices didn’t even say whether the furnisher was going to correct the disputed information with the credit reporting companies. As a result, consumers were left in the dark about whether their problem was resolved.

    After we conducted examinations of certain credit card furnishers and identified these problems, the credit card furnishers we examined revised their notices. The revised notices are more specific and clearly communicate whether changes were made to the consumer’s disputed account as a result of the dispute investigation.

    If you have submitted a dispute directly to a furnisher, the response you receive should include the following information:

    1. Identification of the account that you disputed;
    2. A statement that the dispute has been investigated;
    3. A statement that the dispute investigation has been completed; and
    4. An explanation of the results of that dispute investigation.
      • If the furnisher’s investigation found that the information you disputed is accurate, the notice should clearly say this.
      • If the furnisher’s investigation found that the information you disputed is inaccurate or cannot be verified, the notice should say so and also state what corrections the furnisher is providing to credit reporting companies to fix the inaccuracy.

    If you get a notice from a furnisher that doesn’t meet these minimum requirements, or if you remain confused about what the furnisher is going to do about your account, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

    And if you haven’t already, you should submit a dispute about the account to the credit reporting companies as well. You have certain additional rights that only apply when you submit your dispute to a credit reporting company. You can get more information about how to submit a dispute generally on the CFPB website. We provide detailed instructions, addresses, and phone numbers for submitting disputes. Elsewhere on our website, we have provided some suggestions for what to do if your credit dispute is ignored or if you disagree with the results of the dispute.

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    Don’t let malicious mail make off with your money

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    + By + Naomi Karp + and + James Miner + – + + + + + +
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    According to the Department of Justice, older people are losing millions of dollars to mass mailing fraud schemes, often by sending $20 or $30 at a time. These mail scammers use any means they can to convince victims to send them money, credit card details, and personal information like Social Security numbers. These offers often promise lottery winnings, gifts, good fortune, and other items for a fee, but never deliver anything of value.

    To help warn older consumers, we’re working with Meals on Wheels America and other meal service providers to deliver new mail fraud alert placemats to seniors receiving meals nationwide. The placement gives consumers tips on how to spot suspicious mail and what to do to protect themselves.

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    Order our free mail fraud placemat in bulk

    In addition, this week we are partnering with several other federal agencies in a coordinated public education campaign  to heighten awareness and educate potential victims and their families about mass mailing fraud schemes. It is our hope that this coordinated approach will create a lasting impact in the fight against financial exploitation.

    To report suspicious mail, you can file a complaint online  with the Federal Trade Commission (FTC). You can also call 1-877-FTC-HELP (1-877-382-4357) or 1-866-653-4261 (TTY). The FTC cannot resolve individual complaints, but your complaint could help law enforcement detect patterns of fraud and abuse. That may lead to investigations and eliminate unfair business practices.

    For more information on identifying and preventing financial exploitation, you can download our Money Smart for Older Adults  guide. To help financial caregivers protect family members and friends, we also offer easy-to-understand Managing Someone Else’s Money guides. For a variety of other useful financial information, visit our older Americans page.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html b/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html new file mode 100644 index 000000000000..07f3e7c6e994 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html @@ -0,0 +1,1708 @@ + + + + + + + Easy-to-remember guidelines help people reduce credit card debt | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Easy-to-remember guidelines help people reduce credit card debt

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    Take a short +guideline like “don’t swipe the small stuff” and make it your own. You might +just find that you’re better able to control your own credit card debt.

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    + By + Susan Kerbel + – + + + + + +
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    + Rules to live by illustration +
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    Have you ever looked at your credit card bill and +wondered where all those charges came from? Or found yourself swiping your +credit card for a purchase before you’ve had a chance to think about whether +you really wanted to borrow money to pay for it?

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    Don’t feel discouraged – there are ways to get a +better hold on your credit card use.

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    A recent study we commissioned found that following +simple guidelines, or rules to live by, can help you lower your credit card +debt, if you are a consumer carrying a month-to-month balance. The rules are +designed to help you improve the choices you make with your credit cards – +especially when you adjust the rule to live by to fit your personal financial +situation.

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    We’ve created a worksheet  to help you create and follow your own money rules +to live by. Use the worksheet to:

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    • Find areas where you + might use your credit card less often
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    • Decide on a goal for + managing your credit card use
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    • Create a rule to live by + for how you want to use your credit cards
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    • Make a commitment to + yourself to act on your goal              
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    Taking a close look at your small credit card +purchases is one place to start to help gain control over your credit card +spending. Then, you can create your own money rule to live by, such as using cash +for similar small purchases in the future, to help make credit choices that +work for you.

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    Using the worksheet to write down your goal will also +help you stick to it.

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    Just like lane markers on a highway, your money +rules to live by are guidelines that keep you moving in the right direction. +You might have to speed some things up, slow down others, or change lanes from +time to time, but your rules to live by can help you reach your financial +destination.

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    To read the research that helped inform these +worksheets, take a look at our report on "The Power of Light-Touch Financial Education: A Demonstration with Credit +Card Revolvers.”

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    If you are a financial educator or work with +consumers around money issues, check out our “Helpful shortcuts for credit card use: Ideas for +financial educators.”

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html b/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html new file mode 100644 index 000000000000..37ef40482210 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html @@ -0,0 +1,1664 @@ + + + + + + + A financial toolkit for victims of hurricanes Maria, Irma, and Harvey | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    A financial toolkit for victims of hurricanes Maria, Irma, and Harvey

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    Once you have addressed your most urgent needs, there are steps to secure your financial obligations after a natural disaster.

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    + By + Kristin Dohn + – + + + + + +
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    When a catastrophe like Hurricane Maria, Hurricane Irma, or Hurricane Harvey happens, your world can be turned upside down. During these tough times, it may be difficult to know who to trust and where to look for guidance and assistance, as well as what financial steps to take as you begin recovering. These are a few organizations that can help immediately after a natural disaster:

    Once your most urgent needs are addressed

    Start thinking about your financial obligations once you have addressed your most urgent needs, especially if you have experienced damage to your home or property. We have five steps you can take to help you secure your home and finances:

    1. Contact your insurance company. If the storm damaged your home, car, or property and you have insurance, you can start the claims process by calling your insurance company. If you plan to claim damages related to flooding or storm damage, you should verify that you have the right kind of coverage. If you don’t have a copy of your insurance policy, you can ask for one. Ask for an electronic copy of your policy—receiving physical mail may be difficult following the flood. That will help you verify your coverage. If possible, take photos and videos of your damaged property. Documenting damage will help you with your insurance claim.
    2. Register for assistance. Registering online at www.DisasterAssistance.gov , is the quickest way to register for FEMA assistance. If you are unable to access the internet, you can also call at 1-800-621-3362.
    3. Contact your mortgage servicer. Talk to your mortgage lender right away and tell them about your situation. Damage to your home does not eliminate your responsibility to pay your mortgage, however your lender may be willing to work with you given the circumstances. If you don’t have your lender’s contact information, your monthly mortgage statement, or coupon book with you, you can search the Mortgage Electronic Registration Systems (MERS) or call toll-free at (888) 679-6377 to find the company that services your mortgage.
    4. Contact your credit card companies and other lenders. If your income is interrupted or your expenses go up, and you don’t think you will be able to pay your credit cards or other loans, be sure to contact your lenders as soon as possible. Ask your creditor to work with you. Explain your situation and when you think you might be able to resume normal payments. It is important to make those calls before your next payments are due. 
    5. Contact your utility companies. If your home is damaged to the point you can’t live in it, ask the utility companies to suspend your service. This could help free up money in your budget for other expenses.

    After contacting the companies related to your most urgent financial needs, take a look at your bills and set priorities—including your mortgage, rent, and insurance payments. Given the countless people experiencing distress from the flooding, contacting your creditors may be difficult. Be persistent and make every effort to reach them.

    Additional resources

    • Forbearance. Depending upon the type of loan you have, your lender may be willing to temporarily reduce or suspend your payments; this is referred to as forbearance. To learn more, visit the U.S. Department of Housing and Urban Development (HUD) . If you have student loans, ask your servicer if you qualify for a temporary forbearance. Federal student loan borrowers may be eligible for up to three months of forbearance .
    • Insurance settlement. Typically, your mortgage servicer will release a portion of the settlement money before work begins so you can hire a contractor. When the work is halfway finished, the servicer will typically release more money. The rest will be released once the job is finished and the home passes inspection.
    • How to choose a contractor. Read our tips to consider when evaluating contractors to help fix or rebuild your home after a disaster.

    Warning: Be aware of scams

    While many people pull together during times of crisis, there is also an increased risk for scams and fraud. To avoid scams, you need to ask questions—lots of them. Questions will help you determine if something is too good to be true. If the person trying to sell you a product or service can’t or won’t answer your questions, this is a red flag that you might want to look for someone else to do business with.

    Watch out for:

    • People who want you to pay up-front fees to help you claim services, benefits, or get loans.
    • Contractors selling repairs door-to-door, especially when they ask to receive payment up front or offer deep discounts.
    • Con artists posing as government employees, insurance adjusters, law enforcement officials, or bank employees. It is easy to fake credibility and uniforms, so do not give out personal information to people you don’t know. Government employees never charge to help you get a benefit or service and will never ask for payment or financial information.
    • Fake charities. Normally, legitimate organizations do not have similar names to government agencies or other charities; so if they do, it may be a scam. Never give out donations over the phone.
    • Limited time offers. Anyone who offers you something and tells you that it is for a very limited time may be trying to pressure you into something that you could later regret. You should never be pressured to make a decision on the spot or to sign anything without having enough time to review it. Take your time, read and understand anything presented to you, and ask a trusted friend, relative, or attorney before acting.

    Starting over requires a lot of hard choices. If you have been affected by disaster and want to make sure your financial records are secure, here is a checklist to help you consolidate all the information you need—including account numbers, personal records and financial records. Being prepared and knowing how to protect yourself can help you avoid scams and get back on your feet faster.

    Find more information on how the Bureau encourages financial institutions to assist consumers after an emergency or natural disaster.

    If you're having trouble with a financial product, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). 

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/helpful-tips-using-mobile-payment-services-and-avoiding-risky-mistakes/index.html b/www.consumerfinance.gov/about-us/blog/helpful-tips-using-mobile-payment-services-and-avoiding-risky-mistakes/index.html new file mode 100644 index 000000000000..f021b321b901 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/helpful-tips-using-mobile-payment-services-and-avoiding-risky-mistakes/index.html @@ -0,0 +1,1665 @@ + + + + + + + Helpful tips for using mobile payment services and avoiding risky mistakes | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Helpful tips for using mobile payment services and avoiding risky mistakes

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    + By + Gary Stein + – + + + + + +
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    Person-to-person payment services and mobile payment apps have become part of everyday life for millions of people. Payment services and apps let you send money to people without having to write a check, swipe a card, or hand them cash. These services are becoming increasingly popular for things like paying a friend back for lunch, splitting the cost of rent with a roommate, or collecting money for a youth sports coach’s thank you gift. 

    Mobile payment services advertise to consumers that they provide increased security, ease of use, and speed over more traditional payment methods. However, many different forms and brands of these services exist—your friend may have told you about one mobile app, you may have used another to receive money from your brother, and your bank might have emailed you about their own app. You might have also heard about a different kind of service called a "mobile" wallet that lets you pay merchants. While payment apps all may appear to do the same thing, each of these services operates somewhat differently, and your experience with them may vary. 

    With the development of new payment methods come new risks. Mobile payment apps should have strong built-in protections to detect and limit errors, unauthorized transactions, and fraud. The federal Electronic Fund Transfer Act (EFTA) applies to a bank, credit union, or other provider’s mobile payment services, just like it does to an electronic bill pay service. Among other protections, this federal law requires these institutions to investigate errors reported by consumers. Other federal and state protections may also apply. Whatever service you end up using, keep the tips below in mind to make sure your money goes where you want it to and you receive money you’re owed.

    Use caution when sending money to or receiving money from someone you don’t know

    Scammers use mobile payment services to trick people into sending money or merchandise without holding up their end of the deal. For example, a scammer may sell you concert or sports tickets but then never actually give them to you. Or a scammer might purchase an item from you, appear to send a payment, and then cancel it before it reaches your bank account. Using mobile payment services with family, friends, and others you know and trust is the safest way to protect your money. The Bureau has more tips on how to avoid scams, as does the Federal Trade Commission (“FTC”) . 

    Consider having your friend send you a request for payment first

    If you’re sending money to someone for the first time, ask that they send a "request" from their app if that service is available. This helps ensure that you’re sending funds to the right person for the right amount. If the payment app does not have a request for payment function, consider sending a small, test payment to the recipient to confirm it is the right person before sending larger amounts.

    Double check before you press send

    A simple mistype can send money to the wrong person or in the wrong amount. Always double check the amount you entered and the person you selected to pay. Most payment apps use a username, phone number, or email address to identify payment recipients. Ask your recipient to be sure he or she has registered in the app with the information you intend to use to send them money.

    Know how quickly you will receive your money—and how quickly money comes out of your account when you pay someone

    Depending upon which mobile app you use and who sends you money, you may or may not be able to use money you receive immediately. In some instances, you may have to wait a few days to spend money you receive, even if the money shows up instantly in your app balance and you intend to spend the money within the same app. Many services let you transfer money to your bank account, and some will charge you a fee for the money to become available faster. For each app you use, find out how soon transferred money becomes available and then decide if that timing works for you. 

    Regardless of how quickly you can spend money you receive, when you send money via mobile apps, most payments you make get deducted from your balance immediately. You can sometimes put a "stop payment" on a check you’ve written, dispute a credit card charge, or cancel a bill payment. But new mobile payment services generally don’t have a recall or retrieval feature. For these reasons, again, it’s important to be certain you want to make a payment, for how much, and to whom before pressing send.

    Set up your app to require a passcode, PIN, or fingerprint before making a payment

    Most mobile payment apps allow you to set up a passcode, PIN, or fingerprint that you can use to authenticate yourself before making a payment. Setting up this feature helps to prevent anyone else that gets access to your mobile phone from making mobile payments from your account. In the event that your mobile phone is actually lost or stolen, be sure to notify your bank or payment provider. 

    Contact your bank or payment provider if you suspect an error

    Under the federal law called the EFTA, banks, credit unions, and other financial institutions must investigate errors. In addition, a new Bureau rule explicitly applies the EFTA to prepaid accounts (including some payment apps) beginning in April 2019. If an erroneous transaction appears on your statement, you should notify your financial institution right away.

    Many existing forms of payment offer protections in addition to those required by the EFTA. New mobile apps and forms of payment may not provide these same protections. That means it might not always be easy to get your money back if something goes wrong. Make sure you understand the protections and assurances your payment services provider offers with their service. 

    Similarly, as with any mobile app and before using the app, review the app’s privacy policy to understand what information about you is collected as you use the app and with whom this information may be shared. 

    Contact us if you encounter an issue with a bank or payment provider

    The Bureau enforces the EFTA, which requires banks, credit unions, and other financial institutions to investigate errors. Congress also gave the Bureau the authority to hold companies that provide consumer financial products or services accountable for committing unfair, deceptive, or abusive acts or practices.

    If you're having trouble with a payment service, you can submit a complaint online or call us toll-free at (855) 411-2372. If you have a question, and not a complaint, about payment services or other financial services, you can get answers to common questions through our Ask web tool.

    The Bureau’s commitment to promoting safe and innovative payments

    While the Bureau offers the tips listed above to help ensure your safety in the financial marketplace, people should be able to use new payment services with peace of mind and without fear of getting scammed or making honest mistakes. In concert with other regulators and industry stakeholders, the Bureau promotes the development of innovative payment services that offer people improved quality of life and that earn people’s trust and confidence. 

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    Climate risk should be considered in housing decisions

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    + By + Mark McArdle, + Mikayla Mitchell, + and + Erik Rubinyi + – + + + + + +
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    Editorial note: This blog was originally posted on April 8, 2022, and has been updated on May 11, 2023.

    Flooding, fire, drought, and other weather-related risks have always been a danger to property and consumer wellbeing. However, with the changing climate, these risks are increasing in intensity and frequency, impacting the likelihood of damage, cost of utilities, price of insurance, and potential resale value of homes.

    A 2021 report by the First Street Foundation found that nearly 4.3 million residential homes across the country had substantial flood risk. For these properties, annual losses per property were estimated at $4,694, growing to $7,563 by 2051. Insurance can help minimize losses, however many homeowners, such as those in high-risk coastal areas in Florida , are facing rising insurance costs. Flood damage is not covered under most homeowners’ or renters’ insurance policies. In July 2022, when deadly floods hit eastern Kentucky, only 2.3% of homes in the area had government flood insurance , leaving many homeowners with insufficient resources to rebuild.

    In other states, fire risk is a major factor, with an estimated 4.5 million U.S. homes at high or extreme risk, according to Verisk Analytics. Every property faces climate risks, however historically disadvantaged areas are disproportionately affected by heat and flood risk . For these homeowners, understanding climate risks is even more essential in order to take steps towards mitigation and plan for the future. Individual climate risks will vary based on location thus it is important to focus on the relevant risks for your area.

    In this article, you will find information for:

    For homebuyers

    You have many factors to consider when deciding on a home: price, location, commute time, and schools, among others. It is time to add climate risks to that list.

    Some major real estate websites already include flood risk and other climate risks in their listings. However, past flood damage can be hidden, costly to repair, and a sign of future risk. Before making an offer, look up a property’s climate risks using the resources below and check if your state has disclosure requirements for past flooding.

    If a property is located in a FEMA high risk flood zone and you have a mortgage, you will likely be required to purchase flood insurance from the National Flood Insurance Program (NFIP) at additional cost, but it’s important to note that properties not in flood zones can still be at risk of flooding or other climate risks. On average, 40% of the National Flood Insurance Program (NFIP) flood insurance claims occur outside the high-risk flood areas. And in 2017, during Hurricane Harvey, thousands of properties not in flood zones ended up flooded , many of which did not have insurance to help with repairs. When looking for a home, carefully consider the costs and future availability of flood and homeowners insurance as well as needed resiliency or energy efficiency upgrades.

    Flood is only one climate-related risk, and risks can vary greatly between properties. Investigate a potential home’s climate risk with some of these tools:

    For homeowners

    As a homeowner, it is important for you to know your climate risk so you can be better prepared for future costs and climate events. Often climate risks are undisclosed and only reveal themselves over time. Start by assessing the overall climate risk to your property, focusing on the most severe risks.

    Investigate your climate risk with some of these tools: the FEMA National Risk Index , USDA Wildfire Risk to Communities , Risk Factor , or Climate Check .

    Next, evaluate how these risks may impact future insurance and utility costs as well as resale value. Examine your current budget and how it would be impacted by rising utilities and insurance costs. If your home is in an area that will get hotter or has high climate risks, these costs are likely to rise more than average. Additionally, if your property is severely impacted by climate risks, that could make it expensive or impossible to insure in the future, causing potential buyers to be wary.

    Lastly, investigate options to mitigate and adapt to your climate risk. FEMA has advice on how to protect your home from flooding and wildfire . These can help but are no guarantee, thus additional insurance may be needed. To save on utility costs, consider energy efficiency or other improvements such as solar panels , improved insulation , and energy efficient windows and home appliances . New tax credits from the Inflation Reduction Act of 2022 can help decrease the total cost of certain improvements but watch out for potential scams or companies that promise unrealistic cost savings.

    For renters

    As a renter, you are not responsible for damage to a property due to a climate event, but you can still be vulnerable to physical harm, displacement, and loss of belongings. In addition, rising utility payments will impact renters either directly, if they are responsible for paying utilities, or indirectly, through increased rent.

    Most tenants get no information about a unit’s flood risk , and typical renters insurance does not cover flood damage. But flood insurance for renters is available. To prepare for climate events, you should be aware of the most relevant climate risks and, if possible, incorporate climate risks into your rental decisions.

    Investigate your climate risk with some of these tools: the FEMA National Risk Index , USDA Wildfire Risk to Communities , Risk Factor , or Climate Check .

    For real estate professionals

    As a real estate professional, you will need to comply with state and local disclosure requirements on climate risks. In addition, by providing information to the consumer about potential risks early, you can avoid negative outcomes for both the buyer and seller. In February 2023, the Mortgage Industry Standards Maintenance Organization (MISMO), a private industry standards setting body, published a Flood Risk Disclosure Guide to serve as a resource for lenders to inform consumers about flood risk.

    In order to help your customer understand better their climate risk, you may want to familiarize yourself with the various climate risk tools available including:

    *Although this blog includes links to private websites measuring and discussing climate risks, the CFPB cannot attest to the accuracy of these sources and encourages consumers to look at many sources when making decisions on climate risks.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/overcharging-for-add-on-products-on-auto-loans/index.html b/www.consumerfinance.gov/about-us/blog/overcharging-for-add-on-products-on-auto-loans/index.html new file mode 100644 index 000000000000..88f4b287fe27 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/overcharging-for-add-on-products-on-auto-loans/index.html @@ -0,0 +1,1641 @@ + + + + + + + Overcharging for add-on products on auto loans | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Overcharging for add-on products on auto loans

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    + By + Allison Brown + – + + + + + +
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    The Consumer Financial Protection Bureau is committed to ensuring a fair, transparent, and competitive auto lending market, and we are taking action against sloppy servicing practices that cause harm. Some of these practices involve optional, add-on products that consumers can purchase when they purchase a car. For example, guaranteed asset protection (GAP) products offer to help pay off an auto loan if the car is totaled or stolen and the consumer owes more than the car's depreciated value.

    The add-on product’s potential benefits apply only for specific time periods, such as four years after purchase, and only under certain circumstances. Auto dealers and finance companies often charge consumers all payments for any add-on products as a lump sum at origination of the auto loan, and they generally include the lump sum cost as part of the total vehicle financing agreement. Consumers typically make payments on these add-on products throughout the loan term, even if the product expires years earlier.

    Our examiners have focused on the way servicers handle these add-on product charges when the loan ends before the add-on product’s potential benefits end. Such early termination may happen because the consumer pays the loan off early, often through refinancing, or because the consumer was delinquent in making payments and the servicer repossessed the consumer’s car. As we describe in a report released today, examiners found that servicers engaged in unfair practices by failing to request refunds from the third-party administrators for “unearned” fees related to one such add-on product, GAP, and failing to apply the applicable refunds to the accounts after repossession and cancellation of the contracts. At that point, the consumers did not have the cars that had been subject to the GAP product, and the product no longer offered any possible benefit to consumers. Examiners found that servicers later sent deficiency notices to consumers and reported balances to third-party debt buyers that included these inaccurate amounts in the deficiency balances owed by consumers.

    In response to these findings, the servicers remediated impacted consumers and implemented additional controls to ensure they process add-on product refunds after repossession.

    Miscalculating Refunds

    CFPB examiners have also cited servicers for engaging in unfair acts or practices for miscalculating ancillary auto product refunds after repossession and attempting to collect miscalculated deficiency balances. For example, servicers incorrectly calculated refunds for extended warranty products or other products that had been financed through the consumers’ auto loans. The miscalculations reduced the refunds available to certain borrowers and led to deficiency balances that were higher by hundreds of dollars. The servicers then attempted to collect the deficiency balances. In response to these findings, the servicers conducted reviews to identify and remediate affected borrowers.

    The CFPB will continue to scrutinize servicer practices to make sure that borrowers aren’t overcharged when their loans end early.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/piloting-disclosures-for-construction-loans/index.html b/www.consumerfinance.gov/about-us/blog/piloting-disclosures-for-construction-loans/index.html new file mode 100644 index 000000000000..1ac2bdbae41c --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/piloting-disclosures-for-construction-loans/index.html @@ -0,0 +1,1593 @@ + + + + + + + Piloting disclosures for construction loans | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Piloting disclosures for construction loans

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    Lenders can now apply to test modified origination disclosures for construction loans to improve consumer understanding of costs and terms.

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    Today, the CFPB announced that it has approved an application that marks the first step for piloting disclosures for construction loans. Under this program, the CFPB authorizes parameters for in-market testing of alternatives to required disclosures. Real-world disclosure testing is often more accurate than lab testing, and this effort can help the CFPB by informing the need for possible regulatory changes.

    The Independent Community Bankers of America (ICBA) applied under the program for a template covering the CFPB’s Know Before You Owe Disclosures. In particular, the ICBA asked to test certain adjustments to the existing mortgage disclosures in the unique context of construction loans, for which the CFPB’s disclosures were not primarily designed. The application noted that, in particular, many first-time homebuyers in rural areas build their homes instead of buying existing homes, and consequently, the challenges of using the current disclosures in the construction loan context may impact rural areas more acutely. The CFPB solicited comments on the ICBA’s application in February and made a decision to approve the template after reviewing the public feedback.

    Individual lenders can apply for approval to test the alternative disclosures for construction loans. In deciding whether to approve individual lender applications, the CFPB will carefully evaluate a lender’s plan to test the effectiveness of these disclosures. The CFPB looks forward to reviewing any lender applications.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/protecting-servicemembers-from-costly-auto-loans-and-wrongful-repossessions/index.html b/www.consumerfinance.gov/about-us/blog/protecting-servicemembers-from-costly-auto-loans-and-wrongful-repossessions/index.html new file mode 100644 index 000000000000..3a2f51bbb34e --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/protecting-servicemembers-from-costly-auto-loans-and-wrongful-repossessions/index.html @@ -0,0 +1,1638 @@ + + + + + + + Protecting servicemembers from costly auto loans and wrongful repossessions | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Protecting servicemembers from costly auto loans and wrongful repossessions

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    + By + Patrick Brick, + Ryan Kelly, + and + Chris Kukla + – + + + + + +
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    If you take a drive down the main road leading to most military bases in the country, you’ll likely see car dealerships lining both sides of the street. The CFPB’s prior research has shown that young servicemembers tend to take out auto loans soon after joining the military and carry more auto debt than their civilian peers. This isn’t altogether surprising. When many servicemembers finish basic training, their first duty station is often in an area where a car is needed to get around or leave the base.

    Access to credit can be an important and valuable tool for servicemembers. At the same time, if a servicemember becomes unable to keep up with financial obligations, it can lead to adverse personnel actions such as a lost security clearance or potential discharge. Many servicemembers are young, first-time car buyers with limited knowledge of credit products and terms. Accordingly, they may be more likely to agree to products they don’t need or understand or receive loan terms that are not in their best interest. While we expect that lenders will treat all borrowers fairly and responsibly, lenders need to pay particular attention to how they treat servicemembers and their families.

    CFPB research shows that by the age of 24, around 20 percent of young servicemembers have at least $20,000 in auto debt, which is nearly two-thirds of a young enlisted soldier’s typical base salary at that age. In comparison, only seven percent of civilians at age 24 have the same amount of auto debt while 71 percent don’t have any. Young servicemembers also generally have higher rates of delinquency and repossession, especially those who serve fewer than five years. Those who remain in service longer than five years have rates of delinquency that are virtually indistinguishable from civilians.

    To better protect those who serve in our military, Congress passed the Servicemembers Civil Relief Act (SCRA). Among other protections, the SCRA provides specific safeguards for active-duty military members facing repossession of their cars. While we know that many lenders take following the SCRA seriously, over the past five years the Department of Justice (DOJ) has sued multiple lenders for violating the law in their auto repossession practices.

    The CFPB recently released a bulletin outlining some concerns about auto loan servicing and wrongful repossessions with respect to all consumers. Additionally, it’s less costly to repossess a car because many lenders now use certain technologies that make it easier to locate the vehicle, including starter-interrupt devices, GPS locators, and license plate recognition. We’re concerned that the use of these technologies may disproportionally impact certain communities and we’re taking steps to better understand their impact, including potential privacy concerns.

    We expect servicers, lenders, and repossession agents to adhere to the requirements under the SCRA, particularly when using new repossession technologies to ensure that servicemembers are treated fairly and that all applicable laws and regulations are carefully followed.

    If you’re a servicemember and believe your SCRA rights have been violated, we encourage you to reach out to your local legal assistance office and file a complaint directly with DOJ . If you have more general trouble with a financial product or service, you can submit a complaint to the CFPB. Servicemembers are responsible for keeping our country safe from harm, and we’re committed to protecting them from unfair or illegal financial services practices.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/rising-car-prices-means-more-auto-loan-debt/index.html b/www.consumerfinance.gov/about-us/blog/rising-car-prices-means-more-auto-loan-debt/index.html new file mode 100644 index 000000000000..b38e25b31af3 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/rising-car-prices-means-more-auto-loan-debt/index.html @@ -0,0 +1,1620 @@ + + + + + + + Rising car prices means more auto loan debt | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Rising car prices means more auto loan debt

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    + By + Ryan Kelly, + Chris Kukla, + and + Ashwin Vasan + – + + + + + +
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    Earlier this month, the Bureau of Labor Statistics released data regarding changes to the Consumer Price Index (CPI), which is one measure of inflation. The increasing cost of automobiles continues to be a major component of inflation, as many manufacturers face difficulties procuring chips that are a key component in cars and are therefore producing fewer new cars. While the chip shortage has caused new cars to grow more expensive, the price increase of used cars has been sharper. Data show that the CPI for used cars and trucks increased 40 percent since January 2021 while the CPI for new cars increased 12 percent. As car prices continue to rise, loan amounts are rising, and loan lengths are growing to make those larger loans seem affordable.

    As a result, we expect that both the total amount of debt and the average loan size will continue to increase and that larger car loans will put increased pressure on some consumers’ budgets for much of the next decade. Auto loans are already the third largest consumer credit market in the United States at over $1.4 trillion outstanding , double the amount from 10 years ago and expected to grow further. We are also concerned that current high auto prices, especially for used cars, might create incentives for lenders to repossess cars more quickly than would have occurred before.

    For many, their car or truck is essential to get to work or to do their work. Therefore, as the economic recovery continues, we will focus on ensuring a fair, transparent, and competitive auto lending market in the following ways.

    Ensuring affordable credit for auto loans

    When loans are affordable, consumers can repay the loan and continue to use their car. When loans are made at the edge of (or beyond) a consumer’s ability to repay, any economic disruption in the consumer’s life can result in repossession. Given the increase in loan amounts, the rising length of loan terms, and the uncertainty around the ongoing economic recovery, we will be closely monitoring lender practices and consumer outcomes. In particular, we continue to evaluate lending structures where lenders seem to rely on high interest rates and fees to profit even when consumers fail.

    We are also concerned about loan-to-value (LTV) ratios in the auto loan market. While LTV ratios have dropped in the past year for consumers who already had cars due to high used vehicle prices, LTVs were climbing prior to the global vehicle shortage. We expect that trend to resume once price pressures abate. We will continue to monitor the market as pricing issues persist.

    Monitoring practices in auto loan servicing and collections

    The current economic recovery is uneven, and some consumers have been hit harder economically due to the pandemic. We want to ensure that incentives are aligned between servicers and consumers, that servicers are making accommodations available to all consumers and that servicer practices treat consumers fairly. We will also continue to work with our federal agency partners to ensure that the special protections offered to our servicemembers are followed and enforced.

    Technology continues to shape auto loan servicing and collections, but with that comes questions about the effect on consumers. It is now less costly to repossess a car because many lenders require the use of some of these technologies. For example, some lenders require access to GPS locators so that they always know where a car is physically located, require the installation of technology that blocks a borrower who has missed even one payment from starting the car, or use license plate recognition (LPR) technology to find cars on repossession “hot lists”.

    We are concerned that the use of these technologies may disproportionally impact certain communities, and we are taking steps to better and fully understand their impact, including privacy concerns associated with them.

    Fostering competition among subprime lenders

    Consumers with prime credit scores typically have many financing options, including borrowing directly from lenders. This provides them more leverage to negotiate interest rates. On the other hand, consumers with subprime credit scores often get loans indirectly through a smaller pool of lenders that operate exclusively through dealers or from buy-here-pay-here (BHPH) dealers that specialize in subprime lending. The result is less comparison shopping, fewer options, and less leverage to negotiate the interest rate.

    CFPB research shows that the average subprime auto loan interest rate is between about 9 percent and 20 percent annually , depending on the type of lender. This variation has a large impact on consumers. Our report estimates that typical “shallow subprime” small BHPH borrowers would save around $894 over the life of a loan if they could reduce the interest rate from 13 percent, which is typical for such BHPH borrowers, to 9 percent, which is typical for bank borrowers with similar default rates.

    We are looking to better understand potential barriers to competition in the subprime auto lending market that may drive these and related outcomes. We will continue to research auto lending policies and practices that may hinder a fair, transparent, and competitive market. And, we will work with our counterparts at the Federal Trade Commission and the Federal Reserve Bank Board of Governors to use our collective authorities to address issues in the market.

    Given the steep rise in costs to purchase an automobile, it is critical that America has a well-functioning auto lending market. We will keep the public updated on changes to the market and the actions we are taking to ensure the market is working fairly for all Americans.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/tools-to-help-pay-bills/index.html b/www.consumerfinance.gov/about-us/blog/tools-to-help-pay-bills/index.html new file mode 100644 index 000000000000..96089acfcb26 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/tools-to-help-pay-bills/index.html @@ -0,0 +1,1801 @@ + + + + + + + Tools to help when you can’t pay your bills | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Tools to help when you can’t pay your bills

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    + By + Yuliya Rzad + – + + + + + +
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    + Your Money, Your Goals toolkit +

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    The Your Money, Your Goals financial empowerment toolkit is designed for organizations that help people meet their financial goals by increasing their knowledge, skills, and resources.

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    The pandemic has created uncertainty and anxiety in our country and around the world. This can be especially true for those who are unemployed or furloughed due to the coronavirus pandemic.

    The Your Money, Your Goals financial empowerment toolkit has resources to help you evaluate your current finances and make decisions about your budget.

    In this blog we highlight a few tools and handouts to help you make these tough decisions.

    Paying your bills

    If you are having trouble making payments, contact the companies you owe money to. Discuss your situation and options. Many companies have implemented special payment flexibilities for consumers experiencing hardship at this time.

    Find specific steps to take to protect yourself or a loved one from the financial impact of the coronavirus.

    Here are a couple tools to help you manage your bills.

    Prioritizing bills

    When you can't pay all your bills on time, this tool can help you prioritize which bills to pay first and helps you think through the impact of your choices.

    Note: For expenses like utilities, phone and internet, mortgages, or insurance, many providers offer flexibilities to customers facing financial strain, and many are offering additional assistance during the pandemic. Check with your service providers, including utilities, phone and internet providers, mortgage servicers, landlords, and insurance companies. You can dial 211 and 311 to identify resources in your community.

    Download the Prioritizing bills tools

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    Bill calendar

    This tool can help you keep track of when your bills are due and avoid late fees. For some bills, like credit cards, you may be able to adjust the bill’s due date by contacting your credit card company. For others, like rent, you may be able to split a large monthly payment into two smaller payments.

    Download the Bill calendar

    Managing your spending

    Reducing your spending and expenses may be an effective way to cover daily necessities. Having a clear picture of your spending helps you identify where you can reduce or better manage your money.

    Spending tracker

    Get an accurate picture of your finances. In normal circumstances, this includes getting a good sense of where your money is coming from (income) and where it’s going (expenses).While some of your expenses, like childcare or entertainment, may have stopped for the time being, you still need to make sure you can cover your basic necessities – food, housing, utilities, and phone.

    Download the Spending tracker

    Cutting expenses

    This tool may spark ideas about how to cut costs and reduce expenses, so you can cover daily necessities. Some tips are commonly known, while others may be unfamiliar to people suddenly needing assistance.

    Download the Cutting expenses tool

    Dealing with debt

    It is important to understand that debt can represent a very real barrier to achieving goals and can be hard to face. But there are tools you can use to help you take control of your debt. Even small steps toward paying down debt can make a big difference in making it feel more manageable.

    Debt log

    This tool can help you to keep track of the debt you owe. After you get a clear picture of your debts, you may want to use the debt action plan to decide which debts to focus on first.

    Download the Debt log

    Download the Debt action plan

    When debt collectors call

    If a debt collector calls you, use this tool to make sure you’re asking the right questions. This tool will help you verify if the claim is valid, know how to dispute the claim if you do not owe the debt, and know what to do next if you do owe the debt.

    Get prepared and read about your rights. This will help you avoid scammers who may pose as debt collectors to get you to pay on debts that you don’t owe.

    Download the When debt collectors call tool

    Get more resources to dealing with debt during the coronavirus pandemic

    Watch out for scammers

    While you’re working hard to make ends meet, scammers are working overtime to try to steal your money, your identity, or both.

    You are the first line of defense when it comes to protecting your financial information from fraud or theft. The Spotting red flags and Protecting your identity handouts can help you be proactive about keeping your information safe.

    Download the Spotting red flags handout

    Download the Protecting your identity handout

    Checking your credit

    It’s important to make time after you’ve figured out how you will be able to pay your bills and worked out repayment options to check your credit reports. Your credit reports and scores play an important role in your future financial opportunities.

    Requesting your free credit reports

    This tool walks you through the steps of requesting your free credit reports. Once you have them, use the Reviewing your credit reports tool to make sure your credit information is correct.

    Download the Requesting your free credit reports tool

    Download the Reviewing your credit reports tool

    Disputing errors

    This tool can help you find incorrect information in your credit report. Errors can appear due to a mistake in the information provided about you or as the result of fraud or identity theft.

    Download the Disputing errors handout

    Read more about how to protect your credit from the impacts of the coronavirus pandemic

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    Find more information regarding COVID-19 from CFPB

    We’re working to continuously update information for consumers during this rapidly evolving situation.

    We will publish all COVID-19-related information and blogs to our resource page. Information should be considered accurate as of the blog publish date.

    See our COVID-19 resource page

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    Top 10 ways to protect yourself in the wake of the Equifax data breach

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    Whether or not you are among the millions of people affected by the recent Equifax data breach, there are several steps you can take to respond when your personal information is exposed in a data breach. 

    We outlined several identity theft tips for you last week. Since then, people have been asking many questions and we will continue to work to provide answers—or point people to other resources that may help make the situation clearer. 

    Free credit monitoring offered by Equifax

    Equifax is offering a free monitoring service to anyone—not only those who are affected by this breach. Since this is a free service, you should consider signing up for this service, if it makes sense for you, by visiting equifaxsecurity2017.com .

    Any time you are offered free credit monitoring, make sure you check for:

    • Trial periods
    • Fees
    • Cancellation requirements
    • Other restrictions, such as automatic renewals
    • Whether you are being asked to give your credit card, debit card, or bank account information

    If you don’t give your credit card, debit card, or bank account information, that helps to avoid getting automatically renewed and charged for something that you expected to be free. This will also help to make sure you don’t face unexpected fees, charges, or other limitations.

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    Credit monitoring and arbitration

    In the initial response to the data breach, people were concerned over an arbitration clause to enroll in Equifax’s TrustedID program for credit monitoring. Originally, this clause stated that claims and disputes against the company would be settled by arbitration, as opposed to in a court of law. 

    In an update for consumers , Equifax announced that it has removed the arbitration clause language from its terms of use for the credit monitoring product, called TrustedID Premier. With this change, the company has stated that anyone who enrolls in the company’s free credit file monitoring and identity theft protection will not waive their right to pursue legal action or join a class-action lawsuit concerning the cybersecurity incident or the TrustedID Premier product provided in response to that incident, should you choose.

    Top 10 ways to protect your personal information from being misused

    1. Review your credit report. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com . 

    2. Consider a security freeze. A security freeze or credit freeze on your credit report restricts access to your credit file. Creditors typically won’t offer you credit if they can’t access your credit reporting file, so a freeze prevents you and others from opening new accounts in your name. In almost all states, a freeze lasts until you remove it. In some states, it expires after seven years.  

    3. Set up a fraud alert. Fraud alerts require that a financial institution verifies your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account. A fraud alert won’t prevent lenders from opening new accounts in your name, but it will require that the lenders take additional identification verification steps to make sure that you’re making the request. An initial fraud alert only lasts for 90 days, so you may want to watch for when to renew it. You can also set up an extended alert for identity theft victims, which is good for seven years.

    4. Read your credit card and bank statements carefully. Look closely for charges you did not make. Even a small charge can be a danger sign. Thieves sometimes will take a small amount from your checking account and then return to take much more if the small debit goes unnoticed.

    5. Don’t ignore bills from people you don’t know. A bill on an account you don’t recognize may be an indication that someone else has opened an account in your name. Contact the creditor to find out.

    6. Shred any documents with personal or sensitive information. Be sure to keep hard copies of financial information in a safe place and be sure to shred them before getting rid of them. 

    7. Change your passwords for all of your financial accounts and consider changing the passwords for your other accounts as well. Be sure to create strong passwords and do not use the same password for all accounts. Don’t use information such as addresses and birthdays in your passwords. For more tips on how to create strong passwords read more from the Federal Trade Commission (FTC) . 

    8. File your taxes as soon as you can. A scammer can use your Social Security number to get a tax refund. You can try to prevent a scammer from using your tax information to file and steal your tax refund by making sure you file before they do. Be sure not to ignore any official letters from the IRS and reply as soon as possible. The IRS will contact you by mail; don’t provide any information or account numbers in response to calls or emails.

    9. Active duty servicemembers are eligible for additional protections, and should also monitor their credit carefully. Learn more about what you can do if you’re currently serving at home or abroad.

    10. If you are the parent or guardian of a minor and you think your child’s information has been compromised, here are some steps from the FTC you can take to protect their information from fraudulent use. If you think you or your child’s identity has already been stolen you can follow checklists and additional steps provided by the FTC to begin recovering from a case of identity theft. 


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    Understand how the CFPB’s Debt Collection Rule impacts you

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    If you have a debt in collection, it’s often a challenging time. You may be having a difficult time financially and that can be frightening. And if a debt collector contacts you about your debts, you may have concerns about whether the debt collector is legitimate, whether the debt is yours, or if the amount the collector is seeking to collect is accurate.

    The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on November 30, 2021, the CFPB’s new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information they’re required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights.

    Here are five key things to know about the new debt collection rule.

    What is a debt collection validation notice?

    When a debt collector first communicates with you, or shortly thereafter, they’re generally required to provide certain information about the debt. When the information is provided in writing or electronically, it is called a validation notice, and it will generally include information like:

    • Name and mailing information of the debt collector
    • Name of the creditor to whom the debt is owed
    • Account number (if any) associated with the debt
    • An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records
    • The current amount of the debt as of when the validation notice is provided
    • Information about your debt collection rights including how to dispute the debt

    This notice is meant to help you identify whether you owe the debt and whether the collector’s information about the debt is accurate. The notice must include a “tear-off” form that you can send back to the debt collector to dispute the debt or take other actions.

    How often can a debt collector call me?

    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

    Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt:

    • More than seven times within a seven-day period, or
    • Within seven days after engaging in a phone conversation with you about a particular debt

    These call frequency presumptions only apply to calls placed by the collector to you. They don’t apply to text messages, emails, and other types of media. Those media have other limitations.

    Learn more about the rules for how often a debt collector can call you

    When can a debt collector report my debt to a credit reporting company?

    There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following:

    • Speak to you by telephone or in person about the debt
    • Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable

    If the debt collector sends you a validation notice, it means that they’ve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting.

    Learn more about the rule for reporting a debt in collection

    Can a debt collector contact me on social media about a debt?

    Debt collectors must follow certain rules if they contact you through social media, including:

    • Keeping the messages private – Their messages to you must be private and not viewable by the general public or by your friends, contacts, or followers.
    • Identifying themselves as a debt collector – If a debt collector attempts to send you a private message requesting to add you as a friend or contact, the debt collector must identify themself as a debt collector.
    • Providing a way for you to opt out of their communications – They must also provide you, in each message, a simple way to opt out of receiving further communications from them on that social media platform.

    Learn more about restrictions around social media outreach

    What is a “limited-content message?”

    A “limited-content message” is a type of voicemail that a debt collector may leave for you that must include specific information. Limited-content messages must include:

    • A business name that does not indicate the caller is a debt collector
    • Telephone number(s) you can use to return the call
    • A request that you reply and the name(s) of who you can contact to reply

    There’s also some optional information they can include, including suggested dates and time for you to reply. Voicemails that don’t follow these rules are not considered limited-content messages.

    Learn more about limited-content messages

    If you're having an issue with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also learn more about your debt collection rights.

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    Understanding the Overdraft “Opt-in” Choice

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    Making the right choice for you.

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    + By + Gary Stein + – + + + + + +
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    If you have a checking account, you might have to deal with an overdraft fee. An overdraft occurs when you don’t have enough money in your account to cover a transaction, and the bank or credit union pays for it anyway. Transactions include ATM withdrawals and debit card purchases as well as checks and ACH payments (such as online bill payments). Many banks and credit unions offer overdraft programs, and these can vary by institution.

    Generally, if you overdraw your checking account by a check or ACH, your bank or credit union’s overdraft program will pay for the transaction and charge you a fee. By allowing your account balance to fall below $0, your bank or credit union will also effectively take the repayment right out of your next deposit. At most institutions, the overdraft fee is a fixed amount regardless of the transaction amount, and you can incur several overdraft fees in a single day.

    Overdraft fees work a little differently for debit cards. Your bank or credit union cannot charge you fees for overdrafts on ATM and most debit card transactions unless you have agreed (“opted in”) to these fees. If you choose to opt in to debit card and ATM overdraft, you are usually allowed to make ATM withdrawals and debit card purchases even if you do not have enough funds at the time of the transaction. However, you will generally incur fees on transactions that settle against a negative balance later.

    If you have not opted in to ATM and debit card overdraft, debit card purchases and ATM withdrawals will generally be declined if your account doesn’t have enough funds at the time you attempt the transaction. If you have not opted in, you will still be able to make ATM withdrawals and debit card purchases when you have enough funds at the time you attempt your transaction, and you will not incur an overdraft fee regardless of whether you have the funds to cover the transaction in your account when the transaction later settles.

    Since opted-in consumers allow their bank or credit union to charge them fees in the event of an ATM or debit card overdraft, they generally pay more in overdraft fees than consumers who do not opt in. For example, in 2014 the CFPB reported that opted-in accounts are three times as likely to have more than 10 overdrafts per year as accounts that are not opted in. The CFPB also found that opted-in accounts have seven times as many overdraft fees as accounts that are not opted in. Take a closer look at how consumers are impacted by opting in to checking account overdraft.

    Whether or not you opt in, you may still be charged fees for overdrafts on checks or ACH transactions. Still, deciding whether or not to opt in can be one of the most important decisions you make that affects the cost of your checking account.

    Here are six steps you can take to reduce or eliminate overdraft fees:

    • Track your balance as carefully as you can to reduce the chance you’ll overdraft. Also, sign up for low balance alerts to let you know when you’re at risk of overdrawing your account. If you have regular electronic transfers, such as rent, mortgage payments or utility bills, make sure you know how much they will be and on what day they occur. Track the checks that you write and note when the funds are deducted from your account, so that you do not accidentally spend money you have already paid from your account. You also need to know when the funds you have deposited become available for your use.
    • Check your account balance before making a debit card purchase (or ATM withdrawal), and then pause to ask yourself if you any other payments coming up. Just because your account has enough funds when you’re at the checkout counter doesn’t mean you’ll have the funds later when the transaction finally settles. If you’ve recently written checks or made online bill payments that have yet to be deducted from your account, these could draw down your funds in the meantime, leaving you without enough funds to cover your purchase. Debit card overdraft fees can occur on transactions that were first authorized when there were sufficient funds to cover them, but took the account negative when the transaction settled.
    • Don’t opt-in. You can avoid paying overdraft fees when using your debit card for purchases and at ATMs by not opting-in, or by opting-out if you are currently opted in.  This means that your debit or ATM card may be declined if you don’t have enough money in your account to cover a purchase or ATM withdrawal at the time you attempt a transaction. However, it also means you won’t be charged an overdraft fee for these transactions.
    • Link your checking account to a savings account. If you overdraw your checking account, your institution will take money from your linked savings account to cover the difference. You may be charged a transfer fee when this happens, but it’s usually much lower than the fee for an overdraft.
    • Ask your financial institution if you are eligible for a line of credit or linked credit card to cover overdrafts. You may have to pay a fee when the credit line is tapped, and you will owe interest on the amount you borrowed, but this is usually a much cheaper way to cover a brief cash shortfall.
    • Shop around for a different account. Find out about your bank or credit union’s list of account fees, or ask about them, then compare them with account fees at other banks or credit unions. Assess your own habits and what fees you may face. Consider penalty fees, such as overdraft and non-sufficient funds charges, as well as monthly maintenance, ATM surcharge, and other service fees. When comparing banks or credit unions, you might also want to consider factors such as the hours of operation, locations, access to public transportation, available products and services, and reputation for customer service.

    Questions about overdraft fees or checking accounts?

    Check out Ask CFPB, our database of common financial questions and answers.

    Submit a complaint

    If you have a problem with overdraft fees or any other financial products, you can submit a complaint online or by calling (855)411-2372

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/weve-issued-new-rule-help-protect-consumers-using-prepaid-accounts/index.html b/www.consumerfinance.gov/about-us/blog/weve-issued-new-rule-help-protect-consumers-using-prepaid-accounts/index.html new file mode 100644 index 000000000000..981425bdf00e --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/weve-issued-new-rule-help-protect-consumers-using-prepaid-accounts/index.html @@ -0,0 +1,1740 @@ + + + + + + + We’ve issued a new rule to help protect consumers using prepaid accounts | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    We’ve issued a new rule to help protect consumers using prepaid accounts

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    + By + David Silberman + – + + + + + +
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    On Jan. 25, 2018, we issued a rule making some changes to the prepaid rule and extending the effective date to April 1, 2019.
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    Prepaid accounts are one of the newer ways to store and spend your money. These include prepaid cards that you buy in stores or digital wallet accounts that you get online. With most prepaid accounts, you can spend the money you’ve loaded in advance for daily expenses or withdraw cash from an ATM. You can also have your income directly deposited into most types of prepaid accounts.

    Not all prepaid accounts are the same. Each account has its own set of features, functions, and fees. To decide which prepaid account is right for you, it’s important to learn about your choices and compare the fees that will apply depending on how you use the account. Right now, it can be hard to compare accounts because each card displays fee information differently. 

    With our new rule you will get clear, upfront information about these fees so you can know before you owe and shop for the best deal. These comprehensive consumer protections included in the new rule take effect on Oct. 1, 2017.

    The rule will also make sure prepaid accounts are safer to use -- whether you’re swiping at the register, shopping online, or scanning your smartphone. 

    Right now, if someone accesses your prepaid account and steals your money, your protections depend on the type of account you have and your cardholder agreement. Under our new rule, your money will generally be protected if your card is lost, stolen, or your account is wrongly charged. You’ll also be able to easily monitor your account for free.

    If you’re a current prepaid card user, we have information and tips. You may have the right to choose how your employer pays you if offered a payroll card, or to choose how you get payments for some government benefits.

    Learn more about your options and rights with prepaid accounts.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/weve-updated-our-mortgage-servicing-rules-provide-greater-protections-mortgage-borrowers-and-other-homeowners/index.html b/www.consumerfinance.gov/about-us/blog/weve-updated-our-mortgage-servicing-rules-provide-greater-protections-mortgage-borrowers-and-other-homeowners/index.html new file mode 100644 index 000000000000..90a714a8d93a --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/weve-updated-our-mortgage-servicing-rules-provide-greater-protections-mortgage-borrowers-and-other-homeowners/index.html @@ -0,0 +1,1741 @@ + + + + + + + We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners

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    + By + Laura Johnson + – + + + + + +
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    Today we are updating our mortgage +servicing rules and expanding foreclosure protections for struggling borrowers +and other homeowners.                                                       

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    Our mortgage servicing rules that +became effective in 2014 require that the companies that collect and process +mortgage payments, known as servicers, give troubled borrowers direct +and ongoing access to servicing personnel, promptly credit payments, and +correct errors on request. The rules also include strong protections for +struggling homeowners, including those facing foreclosure.

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    Since we issued those rules, we have +seen how they are working in the market, talked to those implementing and +affected by the rules, and proposed updates to make these rules more effective. Today, we’re finalizing those proposed updates +with some changes based on the comments we received. We’re giving servicers a +full year (and for some changes longer) to implement these rules, but we want +you to see now how they will help consumers, like you. 

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    The rules include many changes, but below +are several we want to highlight:

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    Help for struggling borrowers

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    Our rule updates the way servicers +have to communicate with borrowers who have applied for loss mitigation. Loss +mitigation is a process where the servicer works with a struggling borrower to try and +find alternatives to foreclosure. For example, the updates require servicers to +let borrowers know when their application for loss mitigation is complete. This +is important because certain protections don’t begin until an application is +complete. Servicers are often prohibited from conducting a foreclosure sale while +they are in the process of reviewing a complete application.

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    These updates also require servicers to +give the protections of the loss mitigation rules to certain borrowers more +than once during the life of the loan. Currently, a servicer is only required +to give those protections under the rule once to a struggling borrower. When +the new rule goes into effect, certain borrowers who received help under the +rule before may be eligible to get help again. Receiving the protections more +than once is important for people who may experience an unexpected hardship, like +the loss of a job or a debilitating illness.

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    Protecting successors in interest

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    The rule also provides +more protections for successors in interest, individuals who didn't borrow the money originally but who acquire ownership rights to a home, often when the borrower dies or as +a result of a divorce. The rule defines successors in interest broadly. It includes +someone receiving the ownership interest when a property is transferred upon +the death of a relative, as a result of a divorce or legal separation, through certain +trusts, between spouses, from a parent to a child, or when a borrower who is a +joint tenant dies.

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    The new protections require servicers +to provide information to potential successors in interest about the documents +that are needed to confirm their status. The rule also ensures that confirmed successors +in interest are given access to many of the same notices and documents that +the original borrower would receive. 

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    Providing +more information to borrowers in bankruptcy

    +

    Under our existing mortgage +rules, servicers do not have to provide periodic statements or early +intervention loss mitigation information to borrowers in bankruptcy. The new +rules require servicers to provide statements to these borrowers in certain +circumstances, with specific information tailored for bankruptcy, as +well as a modified early intervention notice to let them know about loss +mitigation options.

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    Our updates are finalized, but they won’t +be in effect for a while in order to give servicers and others in the mortgage +industry time to update their systems and to implement the new protections. If +you are having issues with your mortgage, you can submit a complaint online or by calling (855) 411-2372.

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    + Join the conversation. Follow CFPB on X (formerly Twitter) and Facebook . +

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    What you need to know if you were harmed by Wells Fargo

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    + By + Jeff Ehrlich + – + + + + + +
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    If you were one of the thousands of people who incurred fees as a result of an unauthorized Wells Fargo account, the CFPB has ordered Wells Fargo to refund all of your money. Some payments have already been made; others will be sent in the coming months.

    Customers of Wells Fargo or any other bank or credit union should always closely monitor their accounts to make sure they don’t see unauthorized products or account activity. If you suspect that you had an unauthorized account opened, you should visit your local bank branch or call your financial institution. If you’re still having an issue, you can submit a complaint to the CFPB, either online or by calling toll-free (855) 411-2372.

    The CFPB is requiring Wells Fargo to provide full refunds to consumers for the fees they incurred as a result of the bank’s illegal conduct, and affected customers are not required to take action to get a full refund.  

    The historic $100 million fine we imposed on Wells Fargo is in addition to the money the bank must pay back to harmed consumers. There were also fines from other government agencies. The CFPB’s large fine reflects the seriousness of these violations and sends the message to the bank and other financial institutions that this type of misconduct carries serious consequences. 

    It is also a good idea to periodically check your credit report. Get a free copy of your credit report at AnnualCreditReport.com . You can receive a free credit report from each nationwide credit reporting company once every 12 months.

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    + Join the conversation. Follow CFPB on X (formerly Twitter) and Facebook . +

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/who-are-credit-invisible/index.html b/www.consumerfinance.gov/about-us/blog/who-are-credit-invisible/index.html new file mode 100644 index 000000000000..b9a0be7776b2 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/who-are-credit-invisible/index.html @@ -0,0 +1,1659 @@ + + + + + + + Who are the Credit Invisible? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Who are the Credit Invisible?

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    How to help people with limited credit histories

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    + By + Michele Scarbrough + – + + + + + +
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    In 2015, we published a report finding that 26 million Americans are “credit invisible.” This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. The report also found that Black consumers, Hispanic consumers, and consumers in low-income neighborhoods are more likely to have no credit history or not enough current credit history to produce a credit score.

    Today, we’re releasing a brief of the most significant findings, as well as a checklist of action items to help consumers who are new to credit or looking to rebuild. 

    Check out our brief on credit invisibility , as well as our checklist .

    Credit reports and credit scores play a crucial role in the lives of consumers in America. Fortunately, there are actions you can take to build credit.

    Know what matters

    Paying your bills on time, every time, is one critical step in building a good credit score. Also, don’t get too close to your credit limit. Experts advise keeping your use at no more than 30 percent of your total credit limit. 

    Find products that will help you to build your credit history responsibly

    There are a number of existing products considered helpful in establishing or rebuilding credit histories, and provide you with the opportunity to practice making on-time payments that are reported to the credit reporting companies. Below is a list of common credit-building products to explore:

    • Secured credit cards: You can apply for this card like a traditional credit card and after approval, deposit an amount of money –which can range from $50 to $300 depending on the credit card company – into a separate account. The bank holds onto this deposit and extends you a credit line matching the deposit amount that you made. Banks typically report to the credit reporting companies about card activity – so you build credit with its use, but be sure to ask your card issuer. Many secured cards also include a “graduation” component, so you are able to move from a secured card to a traditional credit card seamlessly after establishing a pattern of consistent payments.
    • Credit builder loans: Financial institutions, typically credit unions, deposit a small “loan” (often $300-$1000) into a locked savings account and you pay the institution back with small-dollar payments over 6 to 24 months. These payments are reported to the credit reporting companies. Once you come to the end of the loan term, you receive the accumulated money back in total. These loans often have the dual benefit of building credit and savings. The savings could be used for an emergency (in lieu of a more costly financial products) or as the deposit for a secured credit card. This can help you establish a credit history for the first time.
    • Retail store credit cards: Many gas stations, department stores or retail chains offer credit cards. These cards tend to be easier to obtain and typically offer lower credit lines. This combination makes them an option when you’re looking to build up a thin or nonexistent credit record.

    Reporting rent and other, less traditional payment data to the credit reporting companies

    There are a number of payments you make that credit reporting companies don’t currently receive information about, but could be captured to record on-time payment history. This data could include monthly rent or cell phone payments. You can also leverage this opportunity by opting into self-reported payments through a company that offers this service. Fees and conditions may apply for such services, so be sure to do your homework before enrolling. 

    Know how to access credit reports 

    You have the right to request your credit report from each of the three nationwide credit reporting companies once every twelve months free of charge at annualcreditreport.com . Having this information on-hand is the most important first step to building or rebuilding credit. 

    Take steps to correct errors

    You should actively take steps to correct any accuracy issues with your credit reports. In fact, accuracy issues are the top cited issues in credit reporting complaints we handle. We have forms you can use to dispute errors on your credit report. 

    You have the legal right to dispute errors on report with the credit reporting company and the company that furnished the information to the reporting company such as your lender. Companies are obligated to conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the credit reporting companies to whom it provided the inaccurate information.

    We have other tools to help you get the information you need. If you have questions about credit reporting and building your credit, visit Ask CFPB. If you are facing an issue with credit reporting, or other financial products or services, you can submit a complaint at consumerfinance.gov/complaint or by phone at 855-411-2372.

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    + Join the conversation. Follow CFPB on X (formerly Twitter) and Facebook . +

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    + CFPB Webinar: Get to Know your Federal Financial Regulators +

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    Join us for the CFPB’s fall 2023 elder justice network webinar series.

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    Agency representatives will discuss their agencies’ roles as Financial Institution Regulatory and Enforcement Agencies (FIREAs) and as partners in elder financial exploitation prevention and response. They will also share free resources for older consumers, account holders, and financial caregivers.

    Speakers

    Louisa Quittman, Office of the Comptroller of the Currency

    Peggi Gill, Federal Deposit Insurance Corporation

    Lisa Schifferle, Consumer Financial Protection Bureau

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    + Public Service Loan Forgiveness Demystified +

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    If you were unable to join us last week for PSLF Demystified, we are hosting the webinar again, on Friday November 12th at 1:00pm EST.

    Join Consumer Financial Protection Bureau (CFPB), Office of Federal Student Aid (FSA), and The Institute of Student Loan Advisors (TILSA) as we layout the steps to qualify and apply for Public Service Loan Forgiveness (PSLF). We will be hosting a webinar designed to help you understand the requirements and give you practical tips to help you get on track to achieve loan forgiveness.

    Speakers include:

    Tanika Mangum, Outreach Specialist, Department of Education, Office of Federal Student Aid

    Betsy Mayotte, President and Founder, The Institute of Student Loan Advisors

    RSVP link:

    Register online

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    Bureau Of Consumer Financial Protection Settles With Defendants In Hydra Group Payday Lending Case

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    WASHINGTON, D.C. — Today a federal district court in the Western District of Missouri entered an Order effectuating a settlement between the Bureau of Consumer Financial Protection (Bureau) and Richard Moseley, Sr., Richard Moseley, Jr., and 20 interrelated corporate entities controlled by Moseley, Sr. and Moseley, Jr., in the Bureau’s lawsuit regarding the unlawful origination and servicing of short-term, small-dollar online loans to consumers nationwide.

    The Bureau’s Complaint alleged violations of the Consumer Financial Protection Act and other federal consumer financial laws. The Bureau alleged that the defendants obtained consumers’ sensitive personal and financial information from third-party data brokers, and used that information to access consumers’ bank accounts without authorization. According to the Bureau’s complaint, the Hydra Group deposited loans in consumers’ bank accounts, then debited biweekly “finance charges” indefinitely. In many cases, the Bureau alleged, consumers never saw loan agreements and were not aware of the account activity until after the loan was deposited and finance charges were withdrawn. Additionally, the Bureau alleged that, even when consumers did receive loan documents, the written disclosures misrepresented the price terms and repayment obligations of the purported loan.

    In November 2017, a jury in New York found Moseley, Sr. guilty of: conspiracy to collect unlawful debts; collection of unlawful debts; conspiracy to commit wire fraud; wire fraud; aggravated identity theft; and making false disclosures under the Truth in Lending Act. Moseley, Sr. has appealed that conviction.

    Under the terms of the consent order, the defendants will be banned from the industry, forfeit approximately $14 million in assets, and pay a $1 civil money penalty. The civil penalty amount is based in part on the defendants’ limited ability to pay. The order imposes a judgment for $69 million for purposes of paying consumer redress, but, in light of the defendants’ limited ability to pay, the judgment will be suspended upon compliance with other requirements.

    The consent order is available at: https://files.consumerfinance.gov/f/documents/bcfp_hydra_stipulated-final-judgment-order_2018-08.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB and Financial Regulators Issue Guidance on How Banks Handle Consumer Deposit Account Discrepancies

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    Interagency Guidance Details Supervisory Expectations for Preventing Consumer Harm

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) and four federal financial regulatory agencies issued guidance providing supervisory expectations on how financial institutions should handle consumer deposit discrepancies. The interagency guidance states that banks should avoid or reconcile, or resolve discrepancies between the amount they credit to a consumer’s account and how much was actually deposited. The guidance calls on banks to adopt policies that treat consumers fairly when they make deposits and do not violate law. 

    “Consumers should not be denied timely access to the full amount of their deposits,” said CFPB Director Richard Cordray. “Today’s guidance should make it clear that we expect financial institutions to take steps to handle and resolve deposit discrepancies and avoid consumer harm.” 

    Today’s interagency guidance is available at: https://www.consumerfinance.gov/f/documents/201605_cfpb_interagency-guidance-regarding-deposit-reconciliation-practices.pdf

    When a consumer makes a deposit, in some instances, the sum the bank credits to the account may be different from the total amount deposited. These deposit discrepancies can occur for several reasons, such as the amount written on a deposit slip does not match the cash transferred into the bank. In other instances, there might be encoding errors or a poor image capture by the bank when it scans or reads a deposit slip. Financial institutions use a variety of approaches to fully reconcile deposit discrepancies, including technology solutions. 

    Today’s interagency guidance outlines the laws and regulations that apply to deposit discrepancy practices. If a financial institution fails to comply with applicable laws and regulations, including prohibitions against unfair, deceptive, and abusive practices, it could open it up to liability and possible action by an agency. 

    The interagency guidance is being issued by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration, the Office of the Comptroller (OCC) of the Currency, and the CFPB. 

    On August 12, 2015, the CFPB, OCC, and FDIC took action against Citizens Bank, N.A., for failing to credit consumers the full amounts of the their deposited funds. The CFPB’s consent order requires the bank to provide approximately $11 million in refunds to consumers and pay a $7.5 million penalty for the violations. 

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB and New York Attorney General File Lawsuit Against Illegal Nationwide Debt Collection Scheme

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    Alleges Network of Sham Collections Companies Harass, Threaten, and Deceive Millions of Consumers

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    Washington, D.C. – Today the Consumer Financial Protection Bureau (CFPB), in partnership with the New York Attorney General, filed a lawsuit in a federal district court against the leaders of a massive debt collection scheme based out of Buffalo, N.Y. The lawsuit alleges Douglas MacKinnon and Mark Gray operate a network of companies that harass, threaten, and deceive millions of consumers across the nation into paying inflated debts or amounts they may not owe. The Bureau is seeking to shut down this illegal operation and to obtain compensation for victims and a civil penalty against the companies and partners.

    “Our lawsuit asserts that millions of consumers were harassed, threatened, and deceived as part of a massive scheme to collect inflated debts,” said CFPB Director Richard Cordray. “Today we are taking action against the ringleaders of this operation so they can no longer prey upon vulnerable consumers. We are pleased to be working in partnership with New York Attorney General Schneiderman to hold these companies accountable.”

    “Living with debt is difficult enough as it is, without the added stress of being harassed and threatened by debt collectors,” Attorney General Schneiderman said. “These collection shops inflated debts of their victims. This suit sends the message that debt collectors that employ abusive tactics will be held accountable.”

    The CFPB and the New York Attorney General allege that Northern Resolution Group LLC, Enhanced Acquisitions LLC, and Delray Capital LLC are interrelated collections companies based in Buffalo, N.Y.  Together, the companies have purchased millions of dollars’ worth of consumer debt and collected some of those debts directly.  The companies were created, operated, and are overseen by Douglas MacKinnon and Mark Gray.

    The complaint alleges that since at least 2009, Northern Resolution Group, Enhanced Acquisitions, and Delray Capital, operating under the supervision of MacKinnon and Gray, have served as the lynchpin of a massive collections scheme. The operation routinely inflates consumer debts and relies on illegal tactics to extract as much money as possible from consumers for debts. MacKinnon also set up a network of at least 60 additional fly-by-night debt-collection firms to collect on the large debt portfolios purchased by Northern Resolution Group, Enhanced Acquisitions, and Delray Capital. This elaborate network also served as “window dressing,” or a workaround, when other debt sellers would no longer do business with the defendants. 

    The CFPB alleges that the defendants violated the Fair Debt Collection Practices Act. The CFPB and the New York Attorney General also allege that the defendants violated the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. Specifically, the CFPB and the New York Attorney General allege that MacKinnon, Gray, and their network of debt collection companies:

    • Inflated consumer debts and misrepresented amounts consumers owed: The defendants misrepresented to consumers that they owed sums they did not owe, were not obligated to pay, or that the companies did not have a legal right to collect. Specifically, Northern Resolution Group, Enhanced Acquisitions, and Delray Capital illegally added $200 to each consumer debt account they acquired, regardless of whether applicable state law or the underlying contract between the consumer and the original issuer permitted such fees or charges. In some cases, the scheme further inflated the amounts owed by tacking on additional unauthorized fees and charges to the debts.  At times, some collectors quoted consumers balances that exceeded 600 percent of the debt amount.
    • Falsely threatened legal action: The companies falsely threatened consumer with legal action that the collectors had no intention of taking. In reality, they never referred a case for prosecution.  In some cases the companies falsely accused consumers of committing crimes. Further, the companies lied to some consumers, claiming that they would be arrested to pressure them to pay debts. In one case, the companies instructed a consumer that she did not even have time to get a lawyer because she would be arrested the next day. These deceptive practices could also have affected the relative priority consumers gave to competing financial commitments.
    • Impersonated law-enforcement officials, government agencies, and court officers: The companies faked calls and emails to make it appear the communications were coming from government or court officials. The companies used call-spoofing technologies to make it appear that collectors were calling from government agencies.  The collection agents would barrage consumers and relatives with calls, claiming to be a government official who could arrest the consumer for non-payment of the debt. The companies also used emails to pretend they were contacting consumers and their family from a court.

    The complaint also alleges repeated fraudulent acts and deceptive acts or practices in violation of New York law, as well as violations of New York state debt-collection law.

    According to the complaint, MacKinnon and Gray have known about, directed, and encouraged these illegal collections practices and have profited significantly—amounting to tens of millions of dollars annually. These illegal profits have been funneled back to MacKinnon, his relatives, and Gray through payments to various sham companies that MacKinnon, Gray, and MacKinnon’s relatives controlled.

    Through this lawsuit, the Bureau seeks to stop the alleged unlawful practices of MacKinnon, Gray, Northern Resolution Group LLC, Enhanced Acquisitions LLC, and Delray Capital LLC.  The Bureau has also requested that the court impose penalties on the company and its partners for their conduct and require that compensation be paid to consumers who have been harmed. The CFPB’s complaint is not a finding or ruling that the defendants have actually violated the law.

    The full text of the complaint can be found at: https://files.consumerfinance.gov/f/documents/112016_cfpb_NorthernResolutionGroupComplaint.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Launches Inquiry into Junk Fees in Mortgage Closing Costs

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    Rising fees are draining down payments, pushing homeownership out of reach

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) today launched a public inquiry into junk fees that are increasing mortgage closing costs. The CFPB wants to understand why closing costs are increasing, who is benefiting, and how costs for borrowers and lenders could be lowered. According to a CFPB analysis, the closing costs borrowers pay in connection with a mortgage have risen steeply in recent years. From 2021 to 2023, median total loan costs for home mortgages increased by over 36%. The unavoidable fees borrowers must pay at closing can strain household budgets and families’ ability to afford a down payment. The fees may also limit the ability of lenders to offer competitive mortgages because they have to absorb the higher costs or pass them on to borrowers.

    “Junk fees and excessive closing costs can drain down payments and push up monthly mortgage costs,” said CFPB Director Rohit Chopra. “The CFPB is looking for ways to reduce anticompetitive fees that harm both homebuyers and lenders.”

    People rely on mortgage loans to buy their homes and to access home equity. When people purchase a home with a mortgage, they pay a number of fees, such as charges for credit reporting and title insurance. Even if disclosed, borrowers are compelled to pay the fees and may have no control over cost. In 2022, median closing costs were $6,000, and these fees can quickly erode home equity and undercut homeownership.

    Mortgage lenders also pay a price when it comes to junk fees and excessive closing costs. For example, in recent years the cost of a credit report has risen substantially. Rising costs can prevent lenders from competing for every potential mortgage because these fees drive up the cost of considering an applicant.

    Title insurance is another major fee paid at closing. Most commonly, lender’s title insurance is paid by the borrower to protect the lender against problems with the property. Consumers typically have limited options to shop around for title insurance.

    The CFPB’s request for information seeks input from the public, including borrowers and lenders, about how mortgage closing costs may be inflated and constraining the mortgage lending market. Specifically, the CFPB asks for information about:

    • Which fees are subject to competition: The CFPB is interested in the extent to which consumers or lenders currently apply competitive pressure on third-party closing costs. The CFPB also wants to learn about market barriers that limit competition.
    • How fees are set and who profits from them: The CFPB wants to learn about who benefits from required services and whether lenders have oversight or leverage over third-party costs that are passed onto consumers.
    • How fees are changing and how they affect consumers: The CFPB wants information about which costs have increased most in recent years and the reasons for such increases, including the rise in cost for credit reports and credit scores. The CFPB is also interested in data on the impact of closing costs on housing affordability, access to homeownership, or home equity.

    The CFPB encourages comments and data from the public and all interested stakeholders. Comments must be received within 60 days of the request for information being published in the Federal Register.

    The CFPB administers many laws and regulations related to mortgage lending and real estate settlement, including the Truth in Lending Act, the Fair Credit Reporting Act, and the Real Estate Settlement Procedures Act. The findings from this inquiry will help inform rulemaking, guidance, and other policy initiatives.

    Read today’s Request for Information Regarding Fees Imposed in Residential Mortgage Transactions.

    Consumers can submit complaints about financial products or services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372).

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    CFPB Orders Navy Federal Credit Union to Pay $28.5 Million for Improper Debt Collection Actions

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    Credit Union Used False Threats to Collect Debts and Placed Unfair Restrictions on Account Access

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    WASHINGTON, D.C. – Today the Consumer Financial Protection Bureau (CFPB) took action against Navy Federal Credit Union for making false threats about debt collection to its members, which include active-duty military, retired servicemembers, and their families. The credit union also unfairly restricted account access when members had a delinquent loan. Navy Federal Credit Union is correcting its debt collection practices and will pay roughly $23 million in redress to victims along with a civil money penalty of $5.5 million.

    “Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts,” said CFPB Director Richard Cordray. “Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so.”

    Navy Federal Credit Union is a federal credit union based in Vienna, Va. As a credit union, it offers a wide range of consumer financial products and services, including deposit accounts and loans. Membership in the credit union is limited to consumers who are, or have been, U.S. military servicemembers, Department of Defense civilian employees or contractors, government employees assigned to Department of Defense installations, and their immediate family members. It is the largest credit union in the country, with more than $73 billion in assets as of December 2015.

    The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members’ electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between January 2013 and July 2015. The practices violated the Dodd-Frank Wall Street Reform and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union:

    • Falsely threatened legal action and wage garnishment: The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit union’s message to consumers of “pay or be sued” was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit union’s representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so.
    • Falsely threatened to contact commanding officers to pressure servicemembers to repay: The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit union’s representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers’ chains of command about the debts it was attempting to collect.
    • Misrepresented credit consequences of falling behind on a loan: The credit union sent about 68,000 letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it “difficult, if not impossible” to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumer’s credit rating, implying that it could raise or lower the rating or affect a consumer’s access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumer’s credit score.
    • Illegally froze members’ access to their accounts: The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumer’s debit card, ATM, and online access to the consumer’s checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.

    Enforcement Action

    Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the order, Navy Federal Credit Union is required to:

    • Pay victims $23 million: The credit union is required to pay roughly $23 million in compensation to consumers who received threatening letters. Most will be eligible for redress if they received one of the deceptive debt collection letters and they made a payment to the credit union within 60 days of that letter. In addition, all consumers who received the letter threatening to contact their commanding officer will receive at least $1,000 in compensation. The credit union will contact consumers who are eligible for compensation.
    • Correct debt collection practices: The credit union must create a comprehensive plan to address how it communicates with its members about overdue debt. This includes refraining from any misleading, false, or unsubstantiated threats to contact a consumer’s commanding officer, threats to initiate legal action, or misrepresentations about the credit consequences of falling behind on a Navy Federal Credit Union loan.
    • Ensure consumer account access: Navy Federal Credit Union cannot block its members from accessing all their accounts if they are delinquent on one or more accounts. The credit union must implement proper procedures for electronic account restrictions.
    • Pay a $5.5 million civil money penalty: Navy Federal Credit Union is required to pay a penalty of $5.5 million to the CFPB’s Civil Penalty Fund.

    The Navy Federal Credit Union consent order can be found at: https://files.consumerfinance.gov/f/documents/102016_cfpb_NavyFederalConsentOrder.pdf

    The CFPB advises all servicemembers to know their rights when a debt collector calls. They should know that a debt collector can't tell their chain of command that they owe a debt, threaten them with prosecution under the Uniform Code of Military Justice, or threaten to revoke their security clearance. More information, including how to access sample letters to respond to a debt collector, is available at: https://files.consumerfinance.gov/f/CFPB-Servicemembers-Know-Your-Rights-Handout-Debt-Collection.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs

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    Largest Nonbank Servicer Will Also Refund $125 Million to Foreclosure Victims and Adhere to Significant New Homeowner Protections

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    WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB), authorities in 49 states, and the District of Columbia filed a proposed court order requiring the country’s largest nonbank mortgage loan servicer, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide $2 billion in principal reduction to underwater borrowers. The consent order addresses Ocwen’s systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund $125 million to the nearly 185,000 borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections.

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    “Deceptions and shortcuts in mortgage servicing will not be tolerated,” said CFPB Director Richard Cordray. “Ocwen took advantage of borrowers at every stage of the process. Today’s action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve.”

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    The proposed Ocwen Consent Order is available at: https://files.consumerfinance.gov/f/201312_cfpb_consent-order_ocwen.pdf

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    Ocwen, a publicly traded Florida corporation headquartered in Atlanta, Ga., is the largest nonbank mortgage servicer and the fourth-largest servicer overall in the United States. As a mortgage servicer, it is responsible for collecting payments from the mortgage borrower and forwarding those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures.

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    Ocwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors – including Homeward Residential Holdings LLC (formerly American Home Mortgage Servicing Inc.) and Litton Loan Servicing LP. It has also acquired the mortgage servicing rights from the portfolios of some of the country’s largest banks.

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    The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act which protects consumers from unfair, deceptive, or abusive acts or practices by mortgage servicers – whether they are a bank or nonbank. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act.

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    In early 2012, examinations by the Multistate Mortgage Committee, which is comprised of state financial regulators, identified potential violations at Ocwen. In addition, the Federal Trade Commission referred its investigation of Ocwen to the CFPB after the Bureau opened in July 2011. The Bureau then teamed with state attorneys general and state regulators to investigate and resolve the issues identified. Today’s settlement is a multi-jurisdictional collaborative effort.

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    Borrowers Pushed into Foreclosure by Servicing Errors

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    The CFPB and its partner states believe that Ocwen was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the District of Columbia, Ocwen’s violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically, the complaint says that Ocwen:

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    • Took advantage of homeowners with servicing shortcuts and unauthorized fees: Customers relied on Ocwen to, among other things, treat them fairly, give them accurate information, and appropriately charge for services. According to the complaint, Ocwen violated the law in a number of ways, including: +
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      • Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements;
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      • Charging borrowers unauthorized fees for default-related services;
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      • Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance coverage; and
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      • Providing false or misleading information in response to consumer complaints.
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    • Deceived consumers about foreclosure alternatives and improperly denied loan modifications: Struggling homeowners generally turn to mortgage servicers, the link to the owners of the loans, as their only means of developing a plan for payment. Ocwen failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included: +
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      • Failing to provide accurate information about loan modifications and other loss mitigation services;
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      • Failing to properly process borrowers’ applications and calculate their eligibility for loan modifications;
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      • Providing false or misleading reasons for denying loan modifications;
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      • Failing to honor previously agreed upon trial modifications with prior servicers; and
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      • Deceptively seeking to collect payments under the mortgage’s original unmodified terms after the consumer had already begun a loan modification with the prior servicer.
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    • Engaged in illegal foreclosure practices: One of the most important jobs of a mortgage servicer is managing the foreclosure process. But Ocwen mishandled foreclosures and provided consumers with false information. Specifically, Ocwen is accused of: +
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      • Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative also offered by Ocwen; and
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      • Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information.
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    Remedies: Consumer Protections

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    Today’s proposed court order will bar Ocwen from committing such violations in the future. It requires Ocwen to provide $125 million in refunds to foreclosed-upon consumers and $2 billion in loan modification relief to its customers through principal reduction. The refunds and relief also apply to consumers whose loans were previously serviced by Homeward Residential Holdings and Litton Loan Servicing. According to the proposed order, Ocwen must:

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    • Provide $2 billion in relief to underwater borrowers: Over a three-year period, Ocwen must complete sustainable loan modifications that result in principal reductions totaling $2 billion. For loan modification options, eligible borrowers may be contacted directly by Ocwen. Or borrowers may contact Ocwen to obtain more information about specific loan modification programs and to find out whether they may be impacted by this settlement. Ocwen can be reached at 1-800-337-6695 or ConsumerRelief@Ocwen.com. If Ocwen fails to meet this commitment, it must pay a cash penalty in the amount of any shortfall to the CFPB and the states.
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    • Provide $125 million in refunds to foreclosure victims: Ocwen must refund $125 million to consumers whose loans were being serviced by Ocwen, Homeward Residential Holdings, or Litton Loan Servicing, and who lost their homes to foreclosure between Jan. 1, 2009 and Dec. 31, 2012. All eligible consumers who submit valid claims will receive an equal share of the $125 million. Borrowers who receive payments will not have to release any claims and will be free to seek additional relief in the courts. Ocwen will also pay $2.3 million to administer the refund process. Eligible consumers can expect to hear from the settlement administrator about potential payments.
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    • Stop robo-signing official documents: Ocwen must ensure that facts asserted in its documents about borrowers’ loans used in foreclosure and bankruptcy proceedings are accurate and supported by reliable evidence. Affidavits and sworn statements must be based on personal knowledge.
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    • Adhere to significant new homeowner protections: Ocwen must change the way it services mortgages to ensure that borrowers are protected from the illegal behavior that puts them in danger of losing their homes. To ensure this, the CFPB and the states are proposing that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement with the five largest banks. Because of Ocwen’s track record of problems handling the large volume of mortgage servicing rights it has quickly acquired in recent years, Ocwen is also being ordered to adhere to additional consumer protections, including how it manages transferred lans. Among other things, Ocwen must: +
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      • Properly process pending requests: For loans that are transferred to Ocwen, the company must determine the status of in-process loss mitigation requests pending within 60 days of transfer. Until then, Ocwen cannot start, refer to, or proceed with foreclosure.
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      • Honor previous loan modification agreements: If the borrower has a loan modification agreement, Ocwen must honor it under the terms of the company that transferred the loan.
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      • Ensure continuity of contact for consumers: Ocwen will have to ensure that consumers get regular and dependable assistance when they call for help. This includes requiring more than just a single point of contact assigned to each borrower, but also that other Ocwen employees with access to the borrower’s information be available if the borrower wants to speak to someone immediately.
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      • Restrict servicing fees: All servicing fees must be reasonable, bona fide, and disclosed in detail to borrowers. For example, Ocwen cannot collect any late fees if a loan modification application is under review or if the borrower is making timely trial modification payments.
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      • Notify consumers of loss mitigation options and restrict dual tracking: Ocwen generally cannot refer a borrower’s account to foreclosure while the borrower’s application for a loan modification is still pending. If the loan-modification request is denied, the borrower can appeal that decision and Ocwen cannot proceed to foreclosure until that appeal has been resolved.
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    In January 2013, the CFPB released new rules on mortgage servicing that will apply to every mortgage servicer. The standards that Ocwen must adhere to according to this court order are in addition to the protections offered to consumers under the new rules that take effect on Jan. 10, 2014. More information about the CFPB’s new mortgage rules can be found at: consumerfinance.gov/mortgage.

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    A factsheet about the proposed order filed today can be found at: https://files.consumerfinance.gov/f/201312_cfpb_factsheet_ocwen.pdf

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    Common consumer questions and answers about the order can be found at: https://files.consumerfinance.gov/f/201312_cfpb_common-questions_ocwen.pdf

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    A copy of the Ocwen complaint that the CFPB and state attorneys general filed today can be found at: https://files.consumerfinance.gov/f/201312_cfpb_complaint_ocwen.pdf

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    The complaint is not a finding or ruling that the defendants have actually violated the law. The proposed federal court order will have the full force of law only when signed by the presiding judge.

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    Updated on June 24, 2014:

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    The National Ocwen Settlement Administrator will mail claim forms to borrowers who lost their home to foreclosure between Jan. 1, 2009 and Dec. 31, 2012 and whose loans were serviced by Ocwen, Litton Loan Servicing LP, and Homeward Residential Holdings LLC (also known as American Home Mortgage Servicing, Inc., or AHMSI). Borrowers may submit claim forms online using their personalized claimant ID number, which is located on the claim form they receive. More information can be found at: nationalocwensettlement.com

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    Updated on March 4, 2014:

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    The Ocwen consent judgment entered by the court can be found at: https://files.consumerfinance.gov/f/201403_cfpb_entered-judgment-with-exhibits_ocwen.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads

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    Consumers Deceived by “Equity Accelerator” Claims to Receive $33.4 Million

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    Washington, D.C. – The Consumer Financial Protection Bureau (CFPB) took action today against Paymap Inc. and LoanCare, LLC for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, Paymap will return $33.4 million in fees to consumers and pay a $5 million civil penalty to the CFPB, and LoanCare will pay a $100,000 civil penalty.

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    “Deceptive advertising has no place in the financial marketplace,” said CFPB Director Richard Cordray. “Today’s action is delivering relief for consumers deceived by Paymap and LoanCare, and sending a clear message that these practices will not be tolerated.”

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    Paymap Inc. is a Colorado-based payment processing company, and LoanCare Servicing is a Virginia-based residential mortgage servicer. Together, they marketed and provided the “Equity Accelerator Program” – an electronic payment system that enables consumers to make automatic mortgage payments via electronic debits from their bank accounts. Consumers are typically charged an enrollment fee of $295 when signing up for the Equity Accelerator Program, and a transaction fee for each automatic debit that Paymap makes, typically $2.50. Since July 21, 2011, approximately 125,000 consumers enrolled in the Equity Accelerator Program and paid Paymap $33.4 million in fees.

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    Paymap partnered with many mortgage servicers, including LoanCare, to market the Equity Accelerator to the mortgage servicers’ customers. LoanCare and Paymap marketed the Equity Accelerator to LoanCare’s customers in 2012 by sending them solicitations on LoanCare’s letterhead. Like the other servicers it partnered with, Paymap shared a portion of consumers’ fees with LoanCare.

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    Paymap and LoanCare advertised that consumers who enrolled in the Equity Accelerator Program would have a new, biweekly payoff schedule that would lead to significant interest savings because of the more frequent payments. In fact, the Equity Accelerator Program did not make more frequent payments on consumers’ mortgages, and, Paymap’s prominent claims of tens of thousands of dollars in interest savings were made without any supporting evidence.

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    The CFPB found that Paymap and LoanCare violated the Dodd-Frank Wall Street Reform and Consumer Protection Act’s prohibition against deceptive acts and practices. Specifically, the Bureau found that consumers were:

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    • Lured with deceptive promises of savings: Paymap made claims on its website such as, “The average customer will achieve over $33,000 in interest savings” using the Equity Accelerator Program. However, Paymap had no factual basis to support this claim. Moreover, only a tiny percentage, if any, of its customers achieved that amount of interest savings.
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    • Misled about when their payments would be applied: Paymap and LoanCare told consumers in their direct mail solicitations that enrolling in the Equity Accelerator Program would change the consumers’ payoff schedule to “every 2 weeks.” Although Paymap makes more frequent withdrawals from consumers’ accounts in the Equity Accelerator Program, it does not actually make more frequent payments on consumers’ mortgages. Instead, Paymap holds the collected payments in custodial accounts, and then pays consumers’ mortgages on their original monthly schedule. Consumers are charged a transaction fee with every withdrawal. Any interest savings that consumers may achieve through the Equity Accelerator Program is because they make a higher annual mortgage payment in the Program, using the same payment schedule as before enrollment.
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    Enforcement Actions

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    Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against companies engaging in unfair, deceptive, or abusive practices in the consumer financial marketplace.

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    Under the terms of the consent order filed today, Paymap is required to:

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    • Pay $33.4 million to consumers: Paymap will return $33.4 million to consumers, which represents all fees paid by every consumer who enrolled in the Equity Accelerator Program since July 21, 2011. Approximately 125,000 consumers will receive refunds.
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    • Cease its unlawful advertising and marketing practices: Paymap must ensure that its marketing practices comply with federal law. Paymap is prohibited from advertising any benefits of the Equity Accelerator Program without credible evidence to support its claims, and from implying that the program will change a consumer’s regular mortgage payment schedule. Paymap must disclose that the source of any projected interest savings through the program is the higher annual mortgage payment a consumer will make in such a program.
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    • Pay a $5 million civil penalty: Paymap will pay $5 million to the CFPB’s Civil Penalty Fund.
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    Under the terms of the consent order filed today, LoanCare is required to:

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    • Cease its unlawful advertising and marketing practices: LoanCare must ensure that its marketing practices comply with federal law. LoanCare is prohibited from advertising any benefits of the Equity Accelerator Program without credible evidence to support its claims, and from implying that the program will change a consumer’s regular mortgage payment schedule. LoanCare must disclose that the source of any projected interest savings is the higher annual mortgage payment a consumer will make in such a program.
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    • Pay a $100,000 civil penalty: LoanCare will pay $100,000 to the CFPB’s Civil Penalty Fund.
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    A copy of the consent order for Paymap filed today is available at:
    +https://files.consumerfinance.gov/f/201507_cfpb_consent-order_paymap.pdf

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    A copy of the consent order for LoanCare filed today is available at:
    +https://files.consumerfinance.gov/f/201507_cfpb_consent-order_loan-care.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Takes Steps to Improve Checking Account Access

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    CFPB Concerned that Screening Inaccuracies and Lack of Account Options are Keeping Consumers Out of the Banking System

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) is taking steps to improve checking account access amidst Bureau concerns that consumers are being sidelined by the lack of account options and by inaccurate information used to screen potential customers. Today the CFPB sent a letter to the 25 largest retail banks encouraging them to make available and widely market lower-risk deposit accounts that help consumers avoid overdrafting. The CFPB also issued a bulletin warning banks and credit unions that failure to meet accuracy obligations when they report negative account histories to credit reporting companies could result in Bureau action. And finally, the CFPB is providing consumers with resources to help navigate the deposit account system.

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    “Consumers should not be sidelined out of the basic banking services they need because of the flaws and limitations in a murky system,” said CFPB Director Richard Cordray. “People deserve to have more options for access to lower-risk deposit accounts that can better fit their needs.”

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    Almost nine out of 10 American households have at least one checking account, and many also maintain a savings account. In recent decades, technology has made it possible for consumers to access funds in their accounts in a variety of ways. More and more banks have also introduced automated overdraft programs. As these changes have occurred, banks have placed greater emphasis on screening new applicants for potential risks that may arise if a consumer exceeds his or her account balance.

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    One way that banks and credit unions screen account applicants for risk is to use information provided by checking account reporting companies, which have databases of information on involuntary closures of consumer checking accounts supplied by banks and credit unions. In October 2014, the CFPB laid out concerns about the information accuracy of these reports, people’s ability to access the reports and dispute incorrect information, and the ways in which the reports were being used.

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    Today, the CFPB is warning banks and credit unions of their obligations when reporting. And while some banks and credit unions currently offer products that help consumers avoid overdrafts and other risks, the CFPB is also encouraging the industry more broadly to provide account options for consumers so they are less likely to overspend their funds.

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    Lower-Risk Deposit Accounts

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    Today the CFPB sent a letter to the nation’s top 25 retail banking companies urging them to do more to create or promote deposit accounts designed to meet consumers’ financial needs. The CFPB is urging banks and credit unions to offer consumers accounts that do not authorize them to spend money they don’t have. Separately, the CFPB is weighing what additional consumer protections are necessary for overdraft and related services. Among today’s CFPB recommendations:

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    • Offer lower-risk products: Today the CFPB is encouraging banks and credit unions to offer products that are designed not to authorize overdrafts and that do not charge overdraft fees. A number of institutions have introduced “no-overdraft” accounts and offer them alongside more common checking account products. However, in a recent CFPB review of the top retail banking websites, the CFPB found nearly half do not appear to offer any deposit account that ensures consumers can’t overspend. Such a product would give consumers an opportunity to choose an account that helps them avoid overdrafting.
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    • Advertise the lower-risk products: The CFPB is concerned that even when companies have these accounts available, consumers don’t know about them. So the CFPB is also urging banks and credit unions to feature such products prominently in their marketing efforts, their online and in-store checking account menus, and during sales consultations.
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    The letter sent to the financial institutions is available at: https://files.consumerfinance.gov/f/201602_cfpb_letter-to-banks-on-lower-risk-accounts.pdf

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    Screening Accuracy Improvements

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    The bulletin issued by the CFPB today warns banks and credit unions that they must have systems in place regarding accuracy when they pass on information, such as negative account histories, to checking account reporting or other credit reporting companies. The consumer reporting companies focused on checking accounts typically generate reports on charge-off amounts, past non-sufficient funds activity, unpaid or outstanding bounced checks, overdrafts, involuntary account closures, and fraud.

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    The CFPB is concerned about inaccuracies and inconsistent information provided by the financial institutions to the reporting companies. In a recent Supervisory Highlights, the CFPB noted that examiners found that one or more financial institutions failed to “establish and implement reasonable written policies and procedures regarding the accuracy of the deposit account information provided to the consumer reporting companies.” Examiners also found that at least one entity violated its federal obligation to handle consumer disputes about these issues.

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    Banks and credit unions should expect accurate information from checking account reporting companies to make fair assessments of deposit account applicants. If the system is tainted with incomplete, inconsistent, and inaccurate information, banks and credit unions cannot make informed decisions.

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    The bulletin is available at: https://files.consumerfinance.gov/f/201602_cfpb_supervisory-bulletin-furnisher-accuracy-obligations.pdf

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    Empowering Consumers to Navigate the System

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    The CFPB is also releasing resources to encourage consumers to shop for lower-risk checking and prepaid accounts that will not authorize them to exceed their account balances. These products can help consumers maintain their accounts longer, and the banks and credit unions that offer them are often more accepting in their screening practices. The resources include tips and information about choosing an account and managing an account.

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    The CFPB also released a consumer advisory to help people know what to do if they have been denied a deposit account or have an involuntary account closure. The CFPB is concerned that most consumers are unaware of what to do if they are rejected by a bank; and most are probably unaware of the screening system that provided the information to the bank about their checking-account profile. A consumer who had an account closed and goes to open a new account at another institution may be equally unaware of how this screening information will be used to judge his or her account application. Today’s advisory tells consumers:

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    • How to obtain a copy of their checking account history: If a bank or credit union makes its decision to deny a new account based on negative reporting, the bank or credit union is required to provide the consumer with the source. The consumer should contact that source and has the right to obtain a free copy of his or her consumer report.
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    • How to dispute items with the consumer reporting company: If the consumer thinks the information provided by the checking account reporting company is inaccurate, he or she should file a dispute with the company. The company is required to conduct a reasonable investigation. The CFPB is providing a sample letter to help consumers dispute the inaccurate information with the checking account reporting company.
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    • How to dispute items with a bank or credit union that reported inaccurate information: If the consumer thinks some of the information on the consumer report is inaccurate, then he or she also should contact the financial institution that reported it, such as his or her old bank. The consumer can then request a correction. Federal law requires financial institutions to promptly correct inaccurate information. The CFPB is releasing a sample letter that consumers can use to contact a financial institution to dispute inaccurate information.
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    • To shop around for lower-risk products: Consumers can shop around to find banks or credit unions that offer accounts without features like overdraft, many of which are available despite prior negative account history. Prepaid products are also a viable option for consumers looking to ensure they only spend the money they have.
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    The guide to select a lower-risk account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-selecting-a-lower-risk-account.pdf

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    The guide to manage your checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-managing-your-checking-account.pdf

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    The consumer advisory about being denied a checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-being-denied-a-checking-account.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Warns Against Deception in Contract Fine Print

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    Companies using illegal or unenforceable terms and conditions risk breaking the law

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    WASHINGTON, D.C. - The Consumer Financial Protection Bureau (CFPB) today issued a circular warning against the use of unlawful or unenforceable terms and conditions in contracts for consumer financial products or services. Companies use this fine print tactic to try to trick consumers into believing they have given up certain legal rights or protections. When financial institutions take these types of actions, they risk violating the Consumer Financial Protection Act. Today’s warning is part of the CFPB’s broader efforts to ensure freedom and fairness in people’s interactions with financial institutions.

    “Federal and state laws ban a host of coercive contract clauses that censor and restrict individual freedoms and rights,” said CFPB Director Rohit Chopra. “The CFPB will take action against companies and individuals that deceptively slip these terms into their fine print.”

    Many consumer contracts include terms and conditions that claim to limit consumer rights and protections. This fine print may just be an attempt to confuse people about their rights. A common example is the general liability waiver, which purports to fully insulate companies from suits even though most states have laws that create hosts of exemptions to these waivers.

    Similarly, several federal consumer financial protection laws offer protections that cannot be taken away from people, no matter what a contract says. For example, the Military Lending Act generally prohibits terms in certain consumer credit contracts that require servicemembers and their dependents to waive their right to legal recourse. Another example is mortgage rules, implementing the Truth in Lending Act, which prohibit fine print that forces homeowners into arbitration or other nonjudicial procedures to resolve problems with a mortgage transaction.

    Today’s circular explains how and when fine print tricks and intimidation in contracts for consumer financial products and services may violate the Consumer Financial Protection Act’s prohibition on deceptive acts and practices. Companies may be liable even if the unenforceable terms are borrowed from form templates or widely available contracts.

    The CFPB has taken action with respect to this unlawful conduct on many occasions over the past several years, including on deceptive behavior toward:

    • Mortgage borrowers: CFPB examiners have repeatedly found examples of deceptive contract terms purporting to waive mortgage borrowers’ rights that cannot be waived.
    • Bank accountholders: The CFPB found that a bank deceived consumers through contract terms that it claimed waived consumers’ right to hold the bank liable for improperly responding to garnishment orders when, in fact, this right could not be waived. The bank inserted these terms into deposit agreements with broad fine print language.
    • Remittance transfer consumers: The CFPB found that a remittance transfer provider violated the Consumer Financial Protection Act’s deception prohibition when it included misleading statements in disclosures purporting to limit consumers’ error resolution rights, which would be unenforceable under the Electronic Fund Transfer Act and the Remittance Rule.
    • Auto loan borrowers: The CFPB found an auto loan servicer deceptively included language in contracts that indicated that consumers could not exercise bankruptcy rights, when in fact, waivers of bankruptcy rights generally are void as a matter of public policy.

    Today’s circular builds on previous initiatives and guidance provided by the CFPB that are intended to ensure freedom and fairness in people’s interactions with financial institutions. Last year, the CFPB proposed a rule to require certain supervised nonbank companies to register with the CFPB information about their use of contractual terms that claim to waive or limit consumer rights. The CFPB also has explained that banks and financial companies attempting to silence consumers from posting honest online reviews through contract terms undermine fair competition and may be breaking the law. The CFPB additionally has highlighted that certain tuition payment plans include terms and conditions that are likely unenforceable. And the CFPB recently filed an amicus brief with the Justice Department to help ensure that servicemembers can file lawsuits to enforce the Servicemembers Civil Relief Act notwithstanding unenforceable fine print in contracts.

    Read the consumer financial protection circular, Unlawful and unenforceable contract terms and conditions.

    Consumers can submit complaints about financial products or services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372).

    Employees who believe their company has violated federal consumer financial protection laws are encouraged to send information about what they know to whistleblower@cfpb.gov.

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    Consumer Financial Protection Bureau Settles with Cash Tyme

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    Payday Lender Failed to Prevent Overcharges, Made Harassing Collection Calls to Borrowers’ References, Must Pay $100,000 Fine

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    Washington, D.C. — The Consumer Financial Protection Bureau (Bureau) today announced a settlement with Cash Tyme, a payday retail lender with outlets in Alabama, Florida, Indiana, Kentucky, Louisiana, Mississippi, and Tennessee. Cash Tyme is the operating name for CMM, LLC, and its wholly owned subsidiaries in those states.

    According to the consent order, the Bureau found that Cash Tyme violated the Consumer Financial Protection Act of 2010 by:

    • Failing to take adequate steps to prevent unauthorized charges;
    • Failing to promptly monitor, identify, correct, and refund overpayments by consumers;
    • Making collection calls to third parties named as references on borrowers’ loan applications that disclosed or risked disclosing the debts to those third parties, including to borrowers’ places of employment as well as to third parties who were themselves harassed by such calls;
    • Misrepresenting that it collected third-party references from borrowers on loan applications for verification purposes, when in fact it was using that information to make marketing calls to the references; and
    • Advertising unavailable services, including check cashing, phone reconnections, and home telephone connections, on the storefronts’ outdoor signage where such advertisements contained information that was likely to be deemed important by consumers and likely to affect their conduct or decision regarding visiting a Cash Tyme store.

    Also, the Bureau found that Cash Tyme violated the Gramm-Leach-Bliley Act and Regulation P by failing to provide initial privacy notices to borrowers. The Bureau also found that Cash Tyme violated the Truth in Lending Act and Regulation Z when it failed to include a payday loan fee charged to Kentucky customers in the annual percentage rate (APR) in loan contracts and advertisements, and rounded APRs to whole numbers in advertisements; and when it published advertisements that included an example APR and payment amount that was based on an example term of repayment, without disclosing the corresponding repayment terms it had used to calculate that APR.

    Under the terms of the consent order, Cash Tyme must, among other provisions, pay a civil money penalty of $100,000.

    The consent order is available at: https://www.consumerfinance.gov/documents/7239/cfpb_cash-tyme-consent-order_2019-02.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    Consumer Financial Protection Bureau Settles with NDG Financial Corp.

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    Canadian and Maltese-based Payday Lenders Alleged to Have Deceptively and Unfairly Marketed and Collected on Loans, Barred From Lending to U.S. Residents

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    Washington, D.C. — The Consumer Financial Protection Bureau (Bureau) today filed a proposed settlement with NDG Financial Corp., E-Care Contact Centers, Ltd., Blizzard Interactive Corp., New World Consolidated Lending Corp., New World Lenders Corp., Payroll Loans First Lenders Corp., New World RRSP Lenders Corp., Northway Financial Corp., Ltd., and Northway Broker, Ltd. Also named are corporate officials Kimberly DeThomas, Jeremy Sabourin, and William Wrixon.  The entities and individuals are payday lenders and corporate officials based in Canada and Malta.

    In its amended complaint, the Bureau alleges that the defendants violated the Consumer Financial Protection Act of 2010 by misrepresenting to consumers in states where loans offered by the defendants violated state licensing or usury laws that they were obligated to repay loan amounts when such an obligation did not exist because state law voided the loan. 

    Defendants also:

    • Misrepresented that the loan agreements were not subject to United States federal or state law;
    • Misrepresented that non-payment of debt would result in lawsuits, arrests, imprisonment, or wage garnishment; and
    • Conditioned loan agreements upon irrevocable wage assignment clauses, which the Bureau alleges violated the Credit Practices Act.

    Under the terms of the proposed consent order, the defendants are permanently barred from advertising, marketing, promoting, offering, originating, servicing, or collecting any consumer loan issued to any consumer residing in the United States, including assisting others and receiving remuneration from providing service to assist others in this conduct. The defendants are also permanently barred from collecting on any of their existing loans to United States consumers, including any efforts to assign, sell or transfer such loans or any other action that would allow anyone to collect on such loans. Additionally, the defendants are permanently barred from disclosing, using, or benefitting from customer information associated with their existing loans to consumers in the United States.

    The proposed consent order awaits approval by the U.S. District Court for the Southern District of New York, where the action was filed. The proposed consent order is available at: https://files.consumerfinance.gov/f/documents/cfpb_ndg-financial-corp_consent-order_2019-02.pdf

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    The CFPB

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    We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions.

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    In a market that works, the prices, risks, and terms of the deal are clear upfront so that consumers can understand their options and comparison shop. Companies all play by the same consumer protection rules and compete fairly on providing quality and service.

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    Our core functions

    The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, it’s our primary focus.

    Our work includes:

    • Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law
    • Enforcing laws that outlaw discrimination in consumer finance
    • Taking consumer complaints
    • Enhancing financial education
    • Researching the consumer experience of using financial products
    • Monitoring financial markets for new risks to consumers
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    Fast Facts: CFPB by the Numbers

    Last updated: May 23, 2024

    • $20.7 billion+: Amount of monetary compensation, principal reductions, canceled debts, and other consumer relief resulting from CFPB enforcement ($19 billion) and supervisory ($1.7 billion) work.
    • 205 million+: Estimated number of consumers or consumer accounts eligible to receive relief from the CFPB’s enforcement and supervisory work.
    • $4.8 billion+: Civil money penalties imposed by the CFPB on companies and individuals that violate the law. Civil money penalties are deposited into the CFPB’s victims relief fund (also known as the civil penalty fund), which provides compensation to consumers who have been harmed by violations of federal consumer financial protection law.
    • $6.1 billion: Estimated amount consumers will save every year due to recent changes in banks’ overdraft and non-sufficient funds (NSF) fee policies. The CFPB's most recent analysis found that the decision of most large banks to eliminate NSF fees will save consumers nearly $2 billion annually.
    • $183 million: Monetary relief resulting from 39 public enforcement actions that involved harm to servicemembers and veterans, including six enforcement actions for violations of the Military Lending Act.
    • 22.8 million: The estimated number of people expected to have had at least one medical collection removed from their credit reports after the three nationwide consumer reporting companies announced the removal of medical collections under $500 from consumer credit reports in April 2023. In March 2022, the CFPB released a report drawing attention to the complicated and burdensome nature of the medical billing system in the United States.
    • 5.6 million+: Consumer complaints sent to companies for response,1 including 3.6 million+ complaints about credit reporting, 80,000+ complaints about medical debt collection, and 90,000+ complaints about student loans.
    • 61.5 million+: Approximate number of users who have accessed answers to hundreds of common financial questions via the CFPB’s “Ask CFPB” database.
    • 33: Number of Supervisory Highlights issued. These reports include key examination findings, communicate operational changes to the CFPB’s supervision program, and provide a resource for information on our recent guidance documents.
    • 8: Number of languages that CFPB provides translated consumer-facing materials in, including: Arabic, Chinese, Haitian Creole, Korean, Spanish, Tagalog, and Vietnamese. Consumers can also submit a complaint on the phone in more than 180 languages.

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    References

    1. Note: the CFPB does not immediately publish every consumer complaint sent to companies for response on its public-facing consumer complaint database. As such, the total number of complaints publicly available on the CFPB website is fewer than the number of complaints sent to companies for response. Details on the criteria used by the CFPB for publishing consumer complaints on its consumer complaint database can be found here: https://www.consumerfinance.gov/data-research/consumer-complaints/.
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    + A telemarketer took money from my checking account even though I did not agree to buy anything. Can I get the money back? +

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    Contact your bank or credit union immediately. You should tell your bank or credit union you never authorized this payment. You should also ask the bank or credit union to reverse the debit.

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    If the check was processed as an electronic transfer such as an ACH payment, you have additional protections under federal law.

    In addition, the FTC Telemarketing Sales Rule requires any seller to get verifiable authorization (unless you pay by credit card or debit card), which means the telemarketer must get either a written authorization from you or a tape-recorded oral authorization. If the telemarketer chooses written authorization, it must send you a written confirmation of the transaction by first class mail and let you know of the procedures to receive a refund.

    You may also have state law protections.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html b/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html new file mode 100644 index 000000000000..a91f78d95dbd --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html @@ -0,0 +1,1481 @@ + + + + + + + Am I responsible for unauthorized charges if my credit cards are lost or stolen? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Am I responsible for unauthorized charges if my credit cards are lost or stolen? +

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    If you report a lost or stolen credit card before it is used, you can’t be held responsible for any unauthorized charges.

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    If there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is $50. Many cardholder agreements say you are not responsible for any charges in this circumstance.

    If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use.

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    Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment.

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    The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card.

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    As long as I am using direct deposit, which federal benefits are protected?

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    Money you receive and direct deposit to your account or card from the following government programs is protected:

    • Social Security benefits
    • Supplemental Security Income (SSI) benefits
    • Veteran’s benefits
    • Civil service and federal retirement and disability benefits
    • Servicemember pay
    • Military annuities and survivor benefits
    • Federal student aid
    • Railroad retirement benefits
    • Financial assistance from the Federal Emergency Management Agency (FEMA)
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    Doesn’t my bank or credit union have to protect two months’ worth of direct deposited benefits automatically?

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    When your bank receives a court order to garnish money in your account, your bank must look at your account history to see if you received federal benefits by direct deposit in the last two months. Two months’ worth of benefits are protected and remain in your account for you to use.

    • For example: If you receive $1,000 in Social Security each month, your bank has records showing $2,000 in Social Security was direct deposited in the last two months. The bank must allow you to use up to $2,000 in the account.
    • However, if you receive Social Security or VA benefits by check and then deposit the check into your bank account, the bank does not have to protect two months’ worth of benefits in the account. This means that your entire account balance could be frozen and you’ll need to go to court to prove that it comes from protected federal benefits and should not be garnished.

    The debt collector is permitted to garnish money in your account that is over two months’ worth of benefits. If your account has more than two months’ worth of benefits, your bank can garnish or freeze the extra money.

    • For example: If you receive $1,000 in Social Security benefits by direct deposit each month, and you have $3,000 in your account, the bank can turn over $1,000 of the $3,000 to a debt collector. The bank must give you access to the remaining $2,000 so you can continue to pay bills and withdraw cash as usual.
    • The bank is allowed to charge you a processing fee for the garnishment in this situation.

    However, if the extra money is also exempt from garnishment under federal or state law, you may be able to go to court to have your money released.

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    Can my benefits be garnished to pay my government debts, child support, or spousal support?

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    Social Security and Social Security Disability Insurance (SSDI) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support.

    Some benefits, such as Supplemental Security Income (SSI), are protected from garnishment – even to pay a government debt or child or spousal support.

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    Using the courts to release money after garnishment

    If your bank garnishes or freezes money in your account, you must be sent a notice of garnishment. The notice explains the court procedures for claiming exemptions from garnishment and getting your money released.

    A judge decides whether your money should be turned over to the debt collector, based on factors such as the source of your income and any federal or state exemptions.

    It is very important for the judge to know that your money comes from Social Security, SSI, VA, or other federal or state benefits before the judge decides whether your money should be turned over to the debt collector. You should notify the court, the bank, and the person or business that is garnishing your account immediately in writing, and seek help from a lawyer .

    You may qualify for free legal help. You can find your local legal services program or attorney referral program here .

    The Eldercare Locator connects older Americans and their caregivers with trustworthy local support resources, including free legal aid for many older adults. You can use the Eldercare Locator to find services in your area or call 1-800-677-1116.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-a-payday-lender-garnish-my-wages-en-1609/index.html b/www.consumerfinance.gov/ask-cfpb/can-a-payday-lender-garnish-my-wages-en-1609/index.html new file mode 100644 index 000000000000..405a015a1b7a --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-a-payday-lender-garnish-my-wages-en-1609/index.html @@ -0,0 +1,1481 @@ + + + + + + + Can a payday lender garnish my bank account or my wages? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    A payday lender can only garnish your wages if it has a court order resulting from a lawsuit against you. There may be other restrictions on a payday lender’s ability to garnish your wages. But it’s important not to ignore any legal notices or orders.

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    If you don’t repay your payday loan, the payday lender or a debt collector generally can sue you to collect the money you owe. If they win, or if you do not dispute the lawsuit or claim, the court will enter an order or judgment against you. The order or judgment will state the amount of money you owe. The lender or collector can then get a garnishment order against you.

    What is a garnishment?

    Wage garnishment happens when your employer holds back a legally required portion of your wages for your debts. Bank garnishment occurs when your bank or credit union is served with a garnishment order. The bank or credit union then holds an amount for the payday lender or collector as allowed by your state law. Each state will have different procedures, as well as exemptions from garnishment, that apply to both the wage and bank garnishment process. Almost all states permit wage garnishment although there are  a few states that do not permit wage garnishment for the collection of this type of consumer debt. Contact your state’s attorney general office for information about your state. Under federal law, certain benefits or payments are generally exempt from garnishment.

    Be aware that some payday lenders may threaten garnishment to get borrowers to pay, even though they do not have a court order or judgment. If this happens, you may want to seek legal assistance. Contact your state's regulator or attorney general office for more information. You may also contact a legal aid attorney or private attorney  for assistance. You can submit a complaint about payday lending with the CFPB online or by calling (855) 411-2372.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-anyone-take-out-a-reverse-mortgage-loan-en-227/index.html b/www.consumerfinance.gov/ask-cfpb/can-anyone-take-out-a-reverse-mortgage-loan-en-227/index.html new file mode 100644 index 000000000000..8c4919223706 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-anyone-take-out-a-reverse-mortgage-loan-en-227/index.html @@ -0,0 +1,1500 @@ + + + + + + + Can anyone take out a reverse mortgage loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    No. Home Equity Conversion Mortgages (HECMs), the most common type of reverse mortgage loan, are a special type of home loan available only to homeowners who are 62 and older.

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    Age is one requirement for a HECM. The other requirements include:

    • Your home must be your principal residence, meaning you live there the majority of the year.
    • You must either own your home outright or have a low mortgage balance. Owning your home outright means you do not have a mortgage on it anymore. If you have a mortgage balance, you must be able to pay it off when you close on the reverse mortgage. You can use your own funds or money from the reverse mortgage to pay off your existing mortgage balance.
    • You cannot owe any federal debt, such as federal income taxes or federal student loans. You may, however, use money from the reverse mortgage loan to pay off this debt.
    • You must have enough of your own money or agree to set aside part of the reverse mortgage funds at your loan closing to pay ongoing property charges, including taxes and insurance, as well as maintenance and repair costs.
    • Your home must be in good shape. If your house does not meet the required property standards, the lender will tell you what repairs need to be made before you can get a reverse mortgage loan.
    • You must receive counseling from a HUD-approved reverse mortgage counseling agency to discuss your eligibility, the financial implications of the loan, and other alternatives.
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    What are some alternatives to a reverse mortgage?

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    Before taking out a reverse mortgage, make sure you understand this type of loan. You may want to look at other ways to make the most of your home and budget, such as waiting a while, using a home equity loan or line of credit, refinancing, downsizing, and lowering your expenses.

    Waiting

    If you take out a reverse mortgage loan when you are too young, you may run out of money when you’re older and more likely to have less income and higher health care bills.

    Using a home equity loan or line of credit

    A home equity loan or a home equity line of credit might be a cheaper way to borrow cash against your equity. However, these loans carry their own risks and usually have monthly payments. Qualifying for these loans also depends on your income and credit.

    Refinancing

    Depending on interest rates, refinancing your current mortgage with a new traditional mortgage could lower your monthly mortgage payments. Pay attention to the length of time you’ll have to repay your new mortgage, because this might affect your budget in retirement. For example, taking on a new 30-year mortgage when you are nearing retirement can become a hardship later. Consider choosing a shorter-term mortgage, such as a 10- or 15-year loan.

    Downsizing

    Consider selling your home. Moving to a more affordable home may be your best option to reduce your overall expenses.

    Lowering your expenses

    State and local programs can help with utilities and fuel payments, as well as home repairs. Many localities also have programs to help with property taxes: check with your county or town tax office. Information about these and other benefit programs is available through benefitscheckup.org .

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    You may be able to cancel a money transfer but it depends on the circumstances. If you would like to cancel a transfer, review your contract and receipt, and contact the company immediately.

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    If you sent money internationally, you have the right to cancel the transfer at no cost if it meets certain conditions:

    • You used a remittance transfer provider to send a remittance transfer, as defined under federal law.
    • The money hasn’t been deposited or picked up by the recipient, and you paid for the transfer less than 30 minutes ago. Or, if you scheduled the transfer in advance, you can cancel the transfer up to three business days before it is made.

    In some cases, state law or the transfer provider’s own rules may give you more time to cancel a transaction.

    If you received a receipt for your transfer, it should generally state what your cancellation period is.

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    No, a bank or credit union is not obligated to cash the check. If you go to a bank or credit union where neither you nor the person writing the check has an account, the bank or credit union will often refuse to cash the check.

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    However, many banks or credit unions will cash a check if: 

    • It is written by one of their account holders,
    • There is money in the account to cover the check,
    • The check is not more than 6 months old, 
    • You are the payee shown on the face of the check, and
    • You show proper ID. 

    The bank or credit union might charge a fee if you don’t have an account with them.

    The bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. However, it might require you to first deposit the check into your own account. If you deposit the check in your checking account, the funds will usually be available in one or two business days.

    Some banks and credit unions do provide fee-based check cashing services, including to consumers that do not have an account with the bank or credit union and who are presenting third-party checks.

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    You are not required to have a social security number to open a checking or savings account.

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    To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) .

    If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will accept a passport number and country of issuance, an alien identification card number, or other government-issued ID number.

    Visit different banks and credit unions to find out what types of accounts they offer, and what types of ID numbers they accept.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html b/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html new file mode 100644 index 000000000000..c9d07f4fc8ee --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html @@ -0,0 +1,1471 @@ + + + + + + + Can my credit card company change the terms of my account? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Can my credit card company change the terms of my account? +

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    The credit card company has the right to change the terms of your credit card agreement. For significant changes, the card issuer generally must give you notice 45 days in advance. 

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    Significant changes generally include increases in certain interest rates and fees, increases to the minimum amount due, or changes to the grace period or the way interest is calculated. You might not receive notice 45 days in advance  about changes to the benefits you get from your credit card, such as points or cash rewards, or changes in the brand (for example, changing from Visa to MasterCard or vice versa) because these changes are generally not considered to be significant.

    There are restrictions on what changes the card company can make. For example, card companies generally cannot increase the interest rate you pay on existing balances, except in certain circumstances. 

    For many changes, you have the right to opt out of the newly changed terms. However, if you opt out, the card company might close your account. If your account is closed, you do not have to pay the balance in full immediately after the account is closed, but you are still responsible for making payments until the balance is paid in full. Depending on the card company’s policies, your minimum payment may increase. The amount of the new payment cannot be more than the amount needed to pay the balance off in five years or double your prior minimum periodic payment, whichever is higher.

    Note: Closing your account may negatively affect your credit score because closing the account will lower the amount of available credit you have and increase the percentage of available credit you are using.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/could-i-be-arrested-if-i-dont-pay-back-my-payday-loan-en-1631/index.html b/www.consumerfinance.gov/ask-cfpb/could-i-be-arrested-if-i-dont-pay-back-my-payday-loan-en-1631/index.html new file mode 100644 index 000000000000..0b33aa75d448 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/could-i-be-arrested-if-i-dont-pay-back-my-payday-loan-en-1631/index.html @@ -0,0 +1,1476 @@ + + + + + + + Could I be arrested if I don't pay back my payday loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Could I be arrested if I don't pay back my payday loan? +

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    No, you cannot be arrested for defaulting on a payday loan. However, if you are sued or a court judgment has been entered against you and you ignore a court order to appear, a judge may issue a warrant for your arrest.

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    You should never ignore a court order. If you get a court order to appear, you should go to court and provide any required information. You may want to consult with an attorney to help you with your court appearance. If a lender threatens to have you arrested, you should report the lender’s threat to your state attorney general and to your state regulator. You can also submit a complaint with the CFPB online or by calling 1-855-411-CFPB (2372).

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html b/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html new file mode 100644 index 000000000000..eb4c08681272 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html @@ -0,0 +1,1547 @@ + + + + + + + Does my mortgage servicer have to help me avoid foreclosure? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Does my mortgage servicer have to help me avoid foreclosure? +

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    Many mortgage servicers have to work with you to see if you qualify for ways to avoid foreclosure. Your servicer may refer to this as loss mitigation.

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    If you’ve missed payments on your mortgage loan, your mortgage servicer generally must:

    • Try to contact you directly within the first 36 calendar days after you become delinquent.
    • Send you a written notice with both a description of examples of loss mitigation options that may be available to help you avoid foreclosure  and also application instructions or information about how to get more information about those options, if applicable. Your servicer has to send this no later than 45 calendar days after you become delinquent on your loan.

    Your servicer also must have policies and procedures in place so that they can assign people to be your point of contact within 45 calendar days after you become delinquent on your loan. The people assigned to help you should:

    • Be reachable by phone
    • Respond to your inquiries 
    • Give you accurate information about available loss mitigation options to avoid foreclosure and how to pursue those options, including actions you must take to submit a loss mitigation application
    • Have information about any loss mitigation application you have submitted

    If you have a problem with your mortgage, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/does-requesting-my-credit-report-hurt-my-credit-score-en-1229/index.html b/www.consumerfinance.gov/ask-cfpb/does-requesting-my-credit-report-hurt-my-credit-score-en-1229/index.html new file mode 100644 index 000000000000..2ba5a997c606 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/does-requesting-my-credit-report-hurt-my-credit-score-en-1229/index.html @@ -0,0 +1,1501 @@ + + + + + + + Does requesting my credit report hurt my credit score? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Does requesting my credit report hurt my credit score? +

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    No, requesting your credit report does not hurt your credit score.

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    You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion). You can request a copy of your credit report by mail once every 12 months from each of the three companies. And, until December 2026, you can use annualcreditreport.com to request as many as six free copies of your Equifax credit report during any twelve-month period.

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    What are the consequences of checking my credit report?

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    Checking your own credit report is not an inquiry about new credit, so it has no effect on your score. In fact, reviewing your credit report regularly can help you make sure the information the credit reporting companies share with lenders is accurate and up-to-date.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html new file mode 100644 index 000000000000..032f69a67e7b --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html @@ -0,0 +1,1532 @@ + + + + + + + How can I get a refund on a product or service I purchased with my credit card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How can I get a refund on a product or service I purchased with my credit card? +

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    First, reach out to the company that sold the product or service to you. Explain the issue—for example, the product you received was defective or wasn’t what you ordered. Ask the company to refund the money or undo the charge.

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    The seller might fix the problem. If not, you have a few ways to proceed.

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    When should I dispute a charge for something I bought with my credit card?

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    Contact your credit card company to see whether you can dispute a charge. In some cases, the credit card company can reverse the charge. This is sometimes called a chargeback.

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    When should I claim a billing error for something I bought with my credit card?

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    Billing errors can happen for a number of reasons. It can be considered a billing error to be charged for a purchase when you did not receive what you ordered or did not accept delivery of the purchased items. You should send a notice about a billing error to your credit card company within 60 days of the charge appearing on your credit card statement. You can look up your credit card agreement to see if your company provides more details about handing billing errors.

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    When is it okay to refuse to pay the rest of the amount of my purchase?

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    If you’ve only paid part of the cost of a service or product purchased with a credit card—including through an option from your credit card to split your payments—you may have the right to not pay the remaining amount. In general, the requirements are:

    • You tried in good faith to resolve the issue with the seller
    • You made your purchase in your home state or within 100 miles of your home address
    • The price of the service or product was more than $50
    • You used your credit card—including the card’s own service for splitting your payments—to pay for the purchase
    • You have not yet fully paid for the product or service
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    If you purchased the item through a “buy now, pay later” service that is not offered by your credit card, your rights are different.

    If you’re having trouble with a credit card, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372).

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-spot-identity-theft-en-1359/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-spot-identity-theft-en-1359/index.html new file mode 100644 index 000000000000..0d9d31c1d2c6 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-can-i-spot-identity-theft-en-1359/index.html @@ -0,0 +1,1515 @@ + + + + + + + How can I spot identity theft? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How can I spot identity theft? +

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    Keep an eye out for identity theft by reading your statements from credit card companies or banks and credit unions and checking your credit reports for suspicious activity.

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    Financial accounts and billing statements

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    Look closely for charges or withdrawals you did not make. Even a small charge or withdrawal can be a danger sign. Thieves sometimes will take a small amount from your checking account and then return to take much more if the small debit goes unnoticed.

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    Credit reports

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    Review your free credit reports from each of the three major credit bureaus. If an identity thief is opening financial accounts in your name, these accounts may show up on your credit report. Look for:

    • Inquiries from companies you’ve never contacted
    • Accounts you didn’t open
    • Wrong amounts on your accounts
    +
    +

    Warning: Don’t ignore calls from debt collectors about debts that aren’t yours, or bills from people you don’t know. A collection or bill on a debt you never borrowed may be an indication that someone else has opened an account in your name. Contact the creditor to find out.

    If you have a problem with credit reporting or debt collection, you can submit a complaint.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605/index.html new file mode 100644 index 000000000000..b68c34d94178 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605/index.html @@ -0,0 +1,1553 @@ + + + + + + + How can I stop a payday lender from electronically taking money out of my bank or credit union account? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How can I stop a payday lender from electronically taking money out of my bank or credit union account? +

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    You can stop electronic debits to your account by revoking the payment authorization, sometimes called an “ACH authorization."

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    You have the right to stop a payday lender from taking automatic electronic payments from your account, even if you previously allowed them. You may have signed a payment authorization, which is sometimes called an “ACH Authorization.” This gives the payday lender the ability to debit your account when your payment is due. If you decide you want to stop automatic debit payments from your account, here is what you can do.

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    + How to stop automatic electronic debits +

    +
    +
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    + Call and write the company +

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    Tell the company that you are taking away your permission for the company to take automatic payments out of your bank or credit union account. This is called “revoking authorization.” You can use this sample letter .

    +
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    + Call and write your bank or credit union +

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    Tell your bank that you have “revoked authorization” for the company to take automatic payments from your account. You can use this sample letter . Some banks and credit unions may offer you an online form.

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    + Stop payment +

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    +

    Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your account by giving your bank a “stop payment order.” This instructs your bank to stop the company from taking payments from your account. You can use this sample letter to submit a “stop payment order.” Here are the steps:

    1. To stop the next scheduled payment, give your bank the stop payment order at least three business days before the payment is scheduled. You can give the order in person, over the phone or in writing.
    2. To stop future payments, you might have to send your bank the stop payment order in writing. If your bank asks for a written order, make sure to provide it within 14 days of your oral notification.
    3. Be aware that banks commonly charge a fee for stop payment orders.
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    + Monitor your accounts +

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    Tell your bank or credit union right away if you see a payment that you did not allow (authorize) or a payment that was made after you revoked authorization. Federal law gives you the right to dispute and get your money back for any unauthorized transfers from your account, as long as you tell your bank in time. You can use our sample letter .

    Revoking or cancelling your automatic payment does not cancel your contract with the payday lender. If you revoke or cancel an automatic payment on a loan, you still owe the balance on that loan.

    If you’re having a problem stopping a lender from taking money out of your account, you may want to contact your state regulator or state attorney general . You can also submit a complaint to the CFPB online or by calling (855) 411-2372.

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    + How can I tell a credit repair scam from a reputable credit counselor? +

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    There are counselors who can help you with your credit report, and others who take your money but don’t help you. Warning signs for credit repair scams include companies that ask you to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

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    Recognizing a credit repair scam

    Warning signs for credit repair scams include companies that ask you to pay before providing services. A credit repair scam company may also tell you it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

    If you see ads or receive offers to repair or fix your credit, it could be a warning sign if the company:

    • Pressures you to pay up-front fees. The company wants you to pay before it provides any services. A simple rule to follow is “Don’t pay upfront.” Under the federal Credit Repair Organizations Act, credit repair companies can’t request or receive payment until they’ve completed the services they’ve promised. Some companies will structure monthly payment plans to try to avoid this requirement. You should know that all forms of upfront payment before services are completed are illegal.

      If the company is telemarketing, the federal Telemarketing Sales Rule may apply. When telemarketing, credit repair services must meet certain requirements before they can charge for their services. First, the company cannot request a fee until after the date that the company said it would provide the goods or services. Also, the company must give you a consumer report showing the results, and the report must be generated more than six months after the results were claimed to have been achieved. Only then can the company charge you fees or accept your payment. If a credit repair organization violates this law, you may have a right to sue.
    • Promises to remove negative information from your credit report. The company tells you it can get rid of negative credit information, even if that information is accurate and current. No one can do this.
    • Requests you dispute accurate information in your credit report. The company advises you to dispute all the information in your credit report, even if it is correct and timely.
    • Refuses or avoids explaining your rights to you. The company doesn’t tell you your rights and what you can do for yourself for free. Disputing errors in your credit reports is a free legal right available to you under the Fair Credit Reporting Act. You don’t need to pay a credit repair organization to do it for you. Also, if you have just signed up for a credit repair service, you have the right to cancel your contract with the company for any reason within three business days at no charge to you.
    • Tells you to not contact credit reporting companies. The company recommends that you don’t contact any of the nationwide credit reporting companies directly.

    Credit repair companies are subject to numerous federal laws, including the Credit Repair Organizations Act and often the Telemarketing Sales Rule, both of which forbid credit repair organizations from using deceptive practices and from accepting up-front fees. These laws prohibit many deceptive practices by credit repair organizations.

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    How do I find a reputable credit counselor?

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    Most credit counselors offer services through local offices, online, or on the telephone. You can find a list of approved credit counselors online.

    Once you've developed a list of potential counseling agencies, check them out with your State Attorney General’s office, and local consumer protection agency.

    Finally, ask the credit counseling agency for free information about their services and what they provide. A reputable credit counseling agency should be willing to send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a service doesn’t do that, consider it a red flag and go elsewhere for help.

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    Can you repair credit yourself?

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    Use our sample letters, video , and answers to common questions to help with resolving problems. Turn to our online guides and tools for information on how to dispute inaccurate information on your credit reports along with ways to improve your credit scores.

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    If you're having trouble with credit reports and scores, you can submit a complaint with the CFPB.

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    Look out for common signs of financial exploitation.

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    Common signs include:

    • Money is missing from your loved one's account.
    • The person you care for says some money or property is missing.
    • The person is afraid or seems afraid of a relative, caregiver, or friend.
    • A relative, caregiver, friend, or someone else keeps your loved one from having visitors or phone calls, does not let her speak for herself, or seems to be controlling her decisions.
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    • You notice sudden changes in your loved one’s spending or savings. For example, your loved one is:
      • Withdrawing money from accounts without explanation
      • Wiring large amounts of money
      • Using the ATM a lot
      • Not paying bills that are usually paid
      • Buying things or services she doesn’t usually buy
      • Adding names on bank or other accounts that you do not recognize or that the account holder is unwilling or unable to explain
      • Not receiving account statements or bills
      • Giving new or unusual gifts to family members or others, such as a “new best friend"
      • Changing beneficiaries of a will, life insurance policy, or retirement funds
      • Allowing a caregiver, friend, or relative to begin handling her money

    Learn more about what to do if you suspect financial exploitation.

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    + How can I tell if a payday lender is licensed to do business in my state? +

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    If you want to know whether a payday lender is licensed to do business in your state, verify the information with your state regulator or attorney general .

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    Not all states allow payday lending. Some states allow payday lending and require lenders to be licensed. In some states, if a payday loan is made by a business that is not licensed in that state, the payday loan may be void. In that circumstance, the lender may not have the right to collect or require the consumer to repay the payday loan.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-add-money-to-my-prepaid-card-en-449/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-add-money-to-my-prepaid-card-en-449/index.html new file mode 100644 index 000000000000..3b3721240630 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-add-money-to-my-prepaid-card-en-449/index.html @@ -0,0 +1,1473 @@ + + + + + + + How do I add money to my prepaid card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I add money to my prepaid card? +

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    You can usually add money to your prepaid card in several ways. You may be able to:

    • Arrange for a paycheck or other regular payment to be directly deposited onto the card
    • Transfer money from a checking account or another prepaid card
    • Buy a “reload pack” to add a certain amount to your card
    • Add funds at certain retail locations or at the financial institution that provides the card

    You may be charged a fee for some ways of adding money to your card and not for other ways. When choosing a prepaid card, think carefully about your needs and about how you will reload your card.

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    + How do I avoid scams and fraud after a disaster? +

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    To avoid scams ask questions, verify the identity of anyone trying to sell you something or asking for money, and make sure written contracts match the verbal promises that were made.

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    Scammers often try to take advantage of you during a crisis—when you may be vulnerable and looking for help, particularly when you don’t have phone or Internet service to do research. Be on the lookout for scams by fake government employees, bogus charities, dishonest contractors, and others trying to take advantage of your situation. Recognizing the tricks that scammers use can help you spot scams more easily.

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    How to spot scammers

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    Ask questions

    Be alert to warning signs: If the person trying to sell you a product or service can’t or won’t answer your questions, or if the paperwork doesn’t match the promises made to you, these are warning signs.

    Example questions:

    • Can I see your identification and contractor’s license?
    • Can you provide three recent recommendations from the area?
    • How long have you been in business?

    Confirm identities

    Con artists may pose as government employees, insurance adjusters, law enforcement officials, bank employees, or whoever it takes to get to your money. Scammers can easily fake titles and uniforms.

    • Always ask for identification, and call the organization the person claims to work for to confirm that the person does work there.
    • Never give personal information to anyone you don’t know.
    • Remember that government employees will not generally ask you for payment or financial information such as your bank account number.
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    How to avoid scams after a disaster

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    Don’t make a decision under pressure

    After a disaster, contractors and others may arrive at your door offering to help with home repair, debris removal, and other disaster-related assistance. Beware of contractors going door-to-door and people offering unsolicited “opportunities” or high-pressure tactics to force you to make a snap decision. Take your time, stop, think, and investigate, and never sign anything without fully reading and understanding it first.

    Don’t pay too much in times of crisis (price gouging)

    During periods of crisis people may offer “limited time only” deals or say the price of materials will rise if you don’t act now. These are also called “scarcity tactics.” Be suspicious of anyone offering to move you to the front of the line. Never pay by wire transfer, gift card, virtual currency, or cash, because it can be harder to get your money back. And wait to or make the final payment until the work is done to your satisfaction.

    If you believe you have been a victim of price gouging, contact your state attorney general .

    Stay up-to-date on possible scams happening in your area

    After major disasters, the Federal Emergency Management Agency (FEMA) creates “Rumor Control” pages to dispel misinformation and help you protect yourself against scams. Find your local rumor control page on FEMA’s website by searching the name of the disaster you were in and ‘rumors.’ FEMA also has a “Current Disasters” page that lists recent disaster declarations and includes a tool you can use to search by location. Your state attorney general may also have specific information about scams and what to do about them for your state.

    Read more information from FEMA about spotting and reporting fraud .

    Protect yourself against identity theft

    After a disaster you may be asked to give people sensitive information, like your Social Security number. Scammers can see this as an opportunity to steal your identity. Even if you’re careful to avoid scams, you may want to protect your identity, bank account, and credit record. A federal law allows you to freeze and unfreeze your credit record for free at the three nationwide credit reporting companies -Equifax, TransUnion, and Experian- no matter what state you live in. Freezing your credit restricts access to your credit file by potential new creditors. This makes it harder for identity thieves to open new accounts in your name.

    You can also put a fraud alert on your credit record for one year and you can renew it at the end of the year. A fraud alert means lenders should call you to verify your identity before extending new credit, like opening up a new credit card, or giving out a loan. If you have been a victim of identity theft, then you can place an extended fraud alert for seven years.

    If you’re unsure about any offer you receive, contractor you encounter, or action you’re asked to take, ask a trusted relative, friend, or an attorney for a second opinion before acting.

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    Watch out for these common disaster scams

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    Fake charities

    After disasters, charitable giving spikes. Scammers may create fake charities to scam people who want to help. Sometimes these scams use names that are similar to organizations you may be familiar with to get you to make a “donation.” Scammers are also using live streaming features on social media platforms and artificial intelligence (AI) generated or altered images to get you to donate, and often request payment by virtual currency so they can get your money quickly. The Federal Trade Commission has more information about donating wisely and avoiding charity scams .

    People pretending to be FEMA

    All FEMA representatives, including home inspectors, have a laminated photo ID. Don’t trust someone with just a FEMA jacket or shirt and no ID. Call FEMA at (800) 621-3362 if you’re unsure if someone is truly a FEMA representative. No FEMA, federal, or state workers will ask for or accept money. FEMA doesn’t charge for home inspections, disaster assistance, or help filling out applications. If you have any doubt that a person is a legitimate FEMA worker, don’t give them any personal information.

    Mortgage repayment/modification scams

    After a disaster, scammers may offer homeowners assistance with negotiating or delaying your mortgage payments through foreclosure relief scams. Generally, lenders or mortgage servicers will work with you, the homeowner, after a natural disaster and offer forbearance or other hardship options to help you avoid going into default or ending up in foreclosure. Your options should ALWAYS be discussed directly with your mortgage servicer. Contact your mortgage servicer for payment assistance and never pay a company to negotiate with your servicer on your behalf. If you need help working with your servicer you may want to contact a housing counselor or a lawyer for assistance.

    Robocalls

    You may receive a recorded call promising government grants, flood insurance, or help with applications for assistance. Don’t respond or provide personal information or payment to these callers. They may be scams trying to get your credit card or checking account information. Go to FEMA’s disaster assistance site for information on what help is really available.

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    How to/Where to report a scam

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    If you or someone you know has been a victim of a scam or fraud related to a natural disaster, the National Center for Disaster Fraud will investigate and prosecute fraud as well as advocate for disaster victims. You can call the Disaster Fraud Hotline at (866) 720-5721.

    Also, contact law enforcement, state, and federal agencies for help right away.

    For more information, visit the Bureau’s Frauds and scams and Dealing with disasters and emergencies pages.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-check-my-prepaid-card-balance-en-503/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-check-my-prepaid-card-balance-en-503/index.html new file mode 100644 index 000000000000..9e3258848c5c --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-check-my-prepaid-card-balance-en-503/index.html @@ -0,0 +1,1476 @@ + + + + + + + How do I check my prepaid card balance? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I check my prepaid card balance? +

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    There may be several ways to check your prepaid card account balance. Your cardholder agreement may tell you how to check your balance and whether there is a fee to use a particular method to check your balance. 

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    Most cards offer one or more of these ways to check your prepaid card balance

    Automated customer service

    You can contact customer service to check your balance. You usually won’t be charged a fee if you get your balance through the automated phone system.

    Live customer service

    You can call customer service to check your balance, but some cards will charge you a fee to talk with a live agent.

    Online/Mobile App

    Some prepaid cards allow you to check your balance on the internet if you set up an online account. Usually this service is free.

    Text message

    Some prepaid cards give you the option to receive your account balance through text message free of charge, but you may pay a fee to your cell phone provider for the text messages.

    ATM

    Some prepaid cards allow you to check your balance at an ATM, but you may pay a fee.

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    + How do I dispute a charge on my credit card bill? +

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    To dispute a charge on your credit card bill, you should call the card company and let them know about the problem right away. 

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    To protect your rights you must also send a written billing error notice to the card company within 60 calendar days after the charge appeared on your statement. After receiving the notice, the company has 30 days to send you a letter confirming they received your billing dispute, unless they’ve completed required billing error resolution procedures within that time. Be sure to keep copies for your records. Write down the dates you make follow-up calls and keep this information together in a file.

    If you already paid the charge that you’re disputing, you can still dispute it. But you probably won’t get the money back until the credit card company has decided that you were right.

    If the card company finds you are correct, the charge must be removed from your bill. If the card company says that you are incorrect and the bill is correct, the card company must tell you why in writing. It must also tell you how much you owe and when your payment is due.

    Note: You may have to go through a different dispute process if you use a credit card to pay for goods or services that turn out to be defective.

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    + How do I dispute an error on my credit report? +

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    You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information.

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    + How to dispute an error on your credit report +

    +
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    + First, dispute the information with the credit reporting company or companies +

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    If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute. You can also use our instructions and template letter as a guide.

    If you mail a dispute, your dispute letter should include:

    • Contact information for you, including your complete name, address, and telephone number
    • Credit report confirmation number, if available
    • Each error you want fixed, including the account number for any account you may be disputing
    • Clear explanation of why you are disputing the information
    • Request that the information be removed or corrected
    • A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted
    • Copies (not originals) of documents that support your position

    You can choose to send your dispute letter by certified mail and ask for a return receipt, so that you have a record that your letter was received.

    You can contact the nationwide credit reporting companies online, by mail, or by phone:

    Equifax

    Online: www.equifax.com/personal/credit-report-services/credit-dispute/

    By mail: Download the dispute form
    Mail the dispute form with your letter to:

    Equifax Information Services LLC
    P.O. Box 740241
    Atlanta, GA 30374

    By phone: Call the phone number shown on your credit report or call (866) 349-5191

    Experian

    Online: www.experian.com/disputes/main.html

    By mail: Use the address provided on your credit report or mail your letter to:

    Experian
    P.O. Box 4500
    Allen, TX 75013

    By phone: Call the phone number shown on your credit report or call (888) 397-3742

    TransUnion

    Online: dispute.transunion.com

    By mail: Download the dispute form
    Mail the dispute form with your letter to:

    TransUnion Consumer Solutions
    P.O. Box 2000
    Chester, PA 19016-2000

    By phone: (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET.

    Keep copies of your dispute letter and the documents you send with it.

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    + Then, dispute the information with the company that provided it to the credit reporting companies +

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    Credit reporting companies gather information about you from other companies (called furnishers). Examples of furnishers include your bank, your landlord, and your credit card company. To dispute the information a company provided to the credit reporting company, you can use our sample letter as a guide.

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    + What happens after you send in your dispute +

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    The credit reporting company investigates

    The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you.

    A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it made the decision.

    The information furnisher makes corrections and notifies all the credit reporting companies

    After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports.

    The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whomever requests your credit report in future.

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    + Submit a complaint +

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    If you have a problem with your credit report, you can also submit a complaint with the CFPB.

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    + How do I dispute an error or request information about my mortgage? +

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    If you think your mortgage servicer has made an error or you need information about your mortgage loan, you can call or write a letter to your servicer. You may get more protections if you write a letter.

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    Your servicer may be able to help you over the phone. See your monthly mortgage statement or coupon book for the phone number. However, to guarantee yourself a timely written response, you should write to your servicer and send it to the address provided by the servicer for such requests.

    Sample Letters

    • Sample letter to help you write your mortgage servicer to explain an error. This document also provides some additional information about disputing an error with your servicer.
    • Sample letter to help you write your mortgage servicer to request information. This document also provides some additional information about requesting information from your servicer.

    If you submit a letter, remember:

    • To include your name, home address, and mortgage account number. Use the name that is on your mortgage.
    • To identify the error or information. Tell your servicer exactly what error you believe occurred, or what information you’re requesting.
    • Not to write your letter on your payment coupon or other payment form. You might not get the same protections.
    • To mail the letter to the right address. A mortgage servicer may use a special address for borrowers to send requests to correct errors or request information. You generally should be able to find this address in a notice from your servicer, on your monthly mortgage statement or coupon book, on your servicer’s website, or by calling your servicer. If your servicer uses a special address, you must send the letter to that address.

    Tip: While you’re waiting for a response, you should continue making your mortgage payments as scheduled.

    Your mortgage servicer’s response

    Your mortgage servicer must send you a letter informing you that it received your letter within five days (not including weekends and legal public holidays) of receiving your letter. Generally, your mortgage servicer must respond with an answer to the error or information request within 30 days (not including weekends and legal public holidays). 

    If you’re disputing an error, your servicer can:

    • Correct the error and confirm the correction in writing
    • Investigate the error and provide you a written notice explaining why it has found that no error occurred and how you can find out more 
    • Ask for additional information
    • Inform you in writing that it will seek an additional 15 days (not including weekends and legal public holidays) to investigate and respond to your notice of error

    If the error you are writing about has to do with the servicer improperly starting the foreclosure process, moving for a foreclosure judgement or order of sale, or conducting a foreclosure sale, then generally the servicer must respond to your notice of error before the foreclosure sale.

    If you’re requesting information, your servicer can:

    • Provide the requested information in writing
    • Search for the information and provide you a written notice explaining that the requested information is not available, and give you contact information for more help
    • Inform you in writing that it will seek an additional 15 days (not including weekends and legal public holidays) to respond to your request

    If you have a problem with your mortgage, you can submit a complaint online or by calling (855) 411-CFPB (2372).

    You can also reach out to a housing counselor. Use the CFPB's "Find a Counselor" tool to get a list of counseling agencies approved by the Department of Housing and Urban Development (HUD). You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673)

    If you’re facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-debt-collector-to-stop-contacting-me-en-1411/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-debt-collector-to-stop-contacting-me-en-1411/index.html new file mode 100644 index 000000000000..fa02ee123952 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-debt-collector-to-stop-contacting-me-en-1411/index.html @@ -0,0 +1,1511 @@ + + + + + + + How do I get a debt collector to stop calling or contacting me? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I get a debt collector to stop calling or contacting me? +

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    You have the right to tell a debt collector to stop contacting you. If you ask a debt collector to stop all contact – regardless of the communications channel – the collector must stop. Keep in mind, though, that you could still owe the debt.

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    If you don't want a debt collector to contact you again, write a letter to the debt collector saying so. We have sample letters that you can use to respond to a debt collector who is trying to collect a debt.

    The CFPB’s Debt Collection Rule requires debt collectors to provide certain information when they first communicate with you, or shortly after, which is often in a letter called a validation notice. The notice includes information about the debt and the debt collector, as well as a “tear-off” form with checkboxes you can fill out to dispute or request more information about the debt. If the debt collector provides a way for you to submit the letter electronically, you can do that instead of sending a letter by mail.

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    After I tell the debt collector to stop contacting me, what can I expect?

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    Once a debt collector receives your letter requesting they stop contacting you, they’re not allowed to communicate with you again except to:

    • Tell you there will be no further contact
    • Advise you that they or the creditor may take other actions they’re legally allowed to take, such as filing a lawsuit against you
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    Keep in mind that it’s important that you respond to the debt collector in writing, even if they provide the validation information over the phone or through email. If you’re disputing the debt, it’s also important to do it immediately, even before you insist that they stop contacting you.

    Debt collectors can still collect even if they can’t contact you

    Stopping communication with a debt collector doesn’t make the debt go away. In fact, they may find alternative ways to collect it from you. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won’t always happen.

    If you believe you don’t owe the debt or it isn’t accurate, you can write to the debt collector to ask for their evidence. Once you notify the debt collector in writing that you dispute the debt, as long as it is within 30 days of receiving a validation notice, the debt collector must stop trying to collect the debt until they’ve provided you with verification in response to your dispute.

    You may also have questions about whether they are collecting a debt that isn’t yours or trying to collect an improper amount, and you can consider consulting an attorney that specializes in these types of cases to learn more about your rights and options.

    Learn more about what may happen if you ignore or avoid a debt collector.

    Keep good records of your communications with a debt collector

    If you’re being contacted by a debt collector, it’s important to keep a record of any letters, documents, or communications they send to you. Write down dates and times of conversations, along with notes about what you discussed. These records can help you if you’re disputing the debt, meeting with a lawyer, or going to court.

    If you send the debt collector a letter, make a copy and send the original to the debt collector. It’s also generally a good idea to send the letter by certified mail. If you pay for a "return receipt," that gives you proof the debt collector received your letter. You may also send the letter electronically. Just be sure to keep a copy.

    Also, be careful what you say to a debt collector because they keep records as well. They can track any information you provide, including personal information or if you apologize or admit to owing the debt. Those statements could be used against you.

    What to do if a debt collector is violating the law

    If the collector continues to contact you after receiving a written notice to stop or after you’ve told them you have a lawyer and have provided the lawyer’s contact information, they are likely violating the Fair Debt Collection Practices Act (FDCPA).

    You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and might also have to pay you damages.

    Learn more about the laws that limit what a debt collector can say or do

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

    Learn more about debt collection

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/index.html new file mode 100644 index 000000000000..a62154339489 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/index.html @@ -0,0 +1,1593 @@ + + + + + + + How do I get a free copy of my credit reports? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I get a free copy of my credit reports? +

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    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

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    Where can I get a credit report?

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    You can request and review your free report through one of the following ways:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

    You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

    You may be able to view free credit reports more frequently online. When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. This gives you a greater ability to monitor changes in your credit. If needed, you can also ask whether your credit report is available in your preferred language.

    You are also eligible for reports from specialty consumer reporting companies. We put together a list that includes several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Most of the companies in this list provide a report for free every 12 months. Other companies may charge you a fee for your report.

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    How can I get additional free credit reports?

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    You can get additional free reports if any of the following apply to you:

    • You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report. In this case, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
    • You believe your file is inaccurate due to fraud.
    • You have requested a credit report from a nationwide credit reporting company in connection with placing of an initial fraud alert on your credit file (you may request two free copies for an extended fraud alert).
    • You are unemployed and intend to apply for employment within 60 days from the date of your request.
    • You are a recipient of public welfare assistance.
    • Your state law provides for a free credit report.
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    + How do I get and keep a good credit score? +

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    + There is no secret formula to building a strong credit score, but there are some guidelines that can help. +

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    + Pay your loans on time, every time +

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    One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If you’ve missed payments, get current and stay current.

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    + Don’t get close to your credit limit +

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    Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You don’t need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores.

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    + A long credit history will help your score +

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    Credit scores are based on experience over time. The more experience your credit report shows with paying your loans on time, the more information there is to determine whether you are a good credit recipient.

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    + Only apply for credit that you need +

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    Credit scoring formulas look at your recent credit activity as a signal of your need for credit. If you apply for a lot of credit over a short period of time, it may appear to lenders that your economic circumstances have changed negatively. 

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    + Fact-check your credit reports +

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    If you spot suspected errors, dispute them. If you have old credit card accounts you are not using, keep an eye on them to make sure that an identity thief is not using them.

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    Tip: If you are new to credit, consider getting a product designed to help you establish and build credit. Financial institutions have developed an array of products and services, such as secured credit cards and credit builder loans, tailored to helping consumers new to credit to establish and build credit.   

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html new file mode 100644 index 000000000000..ecedfcc16263 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html @@ -0,0 +1,1477 @@ + + + + + + + How do I get mortgage information about a home I inherited? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I get mortgage information about a home I inherited? +

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    To receive certain information about the mortgage account, you should contact the mortgage servicer. You may need to show the mortgage servicer proof of your right to the home. 

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    You should inform the loan servicer if you’ve inherited a home from someone. The mortgage servicer is the company that sends the monthly mortgage statement, responds to borrower inquiries and keeps track of principal and interest paid. 

    To receive certain information about the mortgage account, you may need to show the mortgage servicer proof of your right to the home. In the case of inheritance from someone who has died, that proof might include a copy of the executed will and the death certificate or a letter from the executor of the deceased person’s estate. The mortgage servicer should tell you what kind of proof it needs. The proof that you can get may vary from state to state.

    You also may want to ask the servicer for further information about your rights and obligations with respect to the house and the mortgage. For example, you might ask the servicer how you can continue making payments on the loan or how you can seek a loan modification.  

    You may also want to consult an attorney or a housing counselor.  You can use the CFPB's "Find a Counselor" tool to get a list of Department of Housing and Urban Development (HUD)-approved counseling agencies in your area. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you’re facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

    If you have a problem with the mortgage, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). 

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    + How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? +

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    Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didn’t make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.

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    If the unauthorized transaction was made using a debit card or other electronic fund transfer, you might have additional protections under federal law. Electronic fund transfers include ATM transactions, purchases using your debit card, some online bill payments, and payments you’ve set up to be deducted from your account automatically.

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    What if I lose my debit card?

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    Let’s say you lost your debit card or it was stolen. If you notify your bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union can’t hold you responsible for more than the amount of any unauthorized transactions or $50, whichever is less. If you notify your bank or credit union after two business days, you could be responsible for up to $500 in unauthorized transactions.

    Also, if your bank or credit union sends your statement that shows an unauthorized withdrawal, you should notify them within 60 days. If you wait longer, you could also have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank or credit union. To hold you responsible for those transactions, your bank or credit union has to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

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    What if my security code or PIN to my debit card or bank account is stolen?

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    You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. By reporting the theft within two business days, you’re protected from paying for transactions over $50 charged by someone who steals and uses your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen.

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    What if someone charges my account but I have my physical debit card?

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    If an unauthorized withdrawal appears on your bank statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. To hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

    In unusual circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.

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    How do banks investigate unauthorized transactions and how long does it take to get my money back?

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    Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you. After that, you have the right to request the information it used to make their decision, and the bank or credit union has to send it to you promptly.

    If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.

    In some situations, however, your bank or credit union does not have to issue a temporary credit. For example, it can require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during its investigation.

    The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

    If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html new file mode 100644 index 000000000000..fc3809c86c77 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html @@ -0,0 +1,1476 @@ + + + + + + + How do I manage my monthly mortgage payment? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I manage my monthly mortgage payment? +

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    Your monthly mortgage statement has information that you can use to stay on top of your mortgage payment. 

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    We’ve created achecklist to help you manage your monthly mortgage payment . The checklist also guides you through your monthly mortgage statement.

    A mortgage statement usually comes on a monthly basis. Your statement contains the following information (as well as other information):

    • Customer service contact information for your mortgage servicer
    • The amount due
    • The due date
    • Your interest rate
    • Fees and charges
    • Information about any past due payment, late fees, and how much you must pay to bring the account current if you are delinquent on your loan for more than 45 days 

    Review your statement each time it arrives. This can help you spot problems quickly. If you don’t understand something on the statement, contact your mortgage servicer using the contact information on the statement. You can also send a written request for information.

    Consider setting up automatic payments with your mortgage servicer or through your bank or credit union. This can help you stay on track.

    What to do if you get a coupon book 

    Not everyone receives a periodic mortgage statement. Some people may receive a coupon book. Servicers usually send out coupon books in the mail once a year. Coupon books usually have payment slips (“coupons”) that you tear out and return with your payment. If you receive a coupon book, it might only include the servicer’s contact information, your account information, and the amount due. You may need to contact the servicer to request other information, for example, an explanation of amount due or past payment information.

    Some servicers may not send mortgage statements or coupon books but instead may send you an email or other type of notice telling you what to pay. If you aren’t sure, contact your mortgage servicer. You can also send a written request for information.

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    + How do I negotiate a settlement with a debt collector? +

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    When negotiating with a debt collector, you should confirm whether you owe the debt, calculate a realistic payment plan, and make a repayment proposal to the debt collector.

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    + How to negotiate a settlement with a debt collector +

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    If you’re thinking about negotiating a settlement or repayment agreement with a debt collector, consider the following three steps:

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    +
    +
    +

    + 1. + Confirm that you owe the debt +

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    When debt collectors contact you, they must give you certain information about the debt they say you owe or they should provide it within five days of first communicating with you. Generally, debt collectors must provide this information in writing, either in the mail or electronically.

    This validation information can help you figure out if you owe the debt and will provide information on how to dispute it if you don’t. If you’re unsure who you owe money to or how much you owe, you can request the debt collector provide more information about the debt.

    Learn more about what information debt collectors are required to provide and how to dispute a debt

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    + 2. + Calculate a realistic repayment plan +

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    Once you confirm that you owe a debt, you can pay in full or propose a repayment plan to the debt collector. If you want to make a proposal to repay this debt, here are some questions you should ask yourself:

    How much can I realistically afford to pay each month?

    First, review your current financial obligations. Write down your monthly take-home pay and your monthly expenses , including the amount you want to repay each month. Try to allow some income left over to cover unexpected expenses and emergencies. Keep in mind that falling behind on other bills, even if you’re paying off this debt, could cause you more problems. If you’re struggling, a non-profit credit counselor can help you create a budget and work with the collectors.

    What is the total amount I’m willing to pay to settle the entire debt?

    This could be one payment or a series of smaller payments. Don’t pay more than you can afford. If you have more than one debt with a debt collector, you can direct the debt collector to apply your payments to a specific debt. Debt collectors are not allowed to apply a single payment for multiple debts that you’re disputing.

    Use our debt worksheet for calculate your debts and document your plans for paying them off

    Avoid companies that charge money in advance to settle your debts for you

    Dealing with debt settlement companies can be risky. Some debt settlement companies promise more than they can deliver. Certain creditors may also refuse to work with the debt settlement company you choose. In many cases, the debt settlement company won’t be able to settle the debt for you anyway.

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    + 3. + Make a repayment proposal to the debt collector +

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    Explain your plan

    When you talk to the debt collector, explain your financial situation. You may have more room to negotiate with a debt collector than you did with the original creditor. It can also help to work through a credit counselor or attorney.

    Record your agreement

    If you agree to a repayment or settlement plan, get the plan and the debt collector’s promises in writing before you make a payment. Those promises may include stopping collection efforts and ending or forgiving the debt once you have completed the plan.

    Know your rights

    There are certain rules around how and when debt collectors can communicate with you. The FDCPA prohibits debt collectors from placing repeated or continuous telephone calls or conversations with the intent to harass, oppress, or abuse you.

    If you’re having an issue with debt collection, you can submit a complaint with the CFPB.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-repay-a-payday-loan-en-1599/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-repay-a-payday-loan-en-1599/index.html new file mode 100644 index 000000000000..a2a1221b10f2 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-repay-a-payday-loan-en-1599/index.html @@ -0,0 +1,1485 @@ + + + + + + + How do I repay a payday loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I repay a payday loan? +

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    In order to obtain a payday loan, you typically must either provide a personal check to the lender or an ACH (Automated Clearing House) authorization to electronically withdraw money from your bank, credit union, or prepaid card account. Carefully read your loan documents so you know exactly how repayment works.

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    Although you are generally required when obtaining a loan to provide a post-dated check or authorization for an electronic debit of your account, some lenders strongly encourage, or in some cases, require consumers to return to the store when the loan is due to “redeem” the check. Encouraging or requiring borrowers to return to the store on the due date provides lenders an opportunity to offer borrowers the option to roll over the loan or, where rollovers are prohibited by state law, to reborrow following repayment or after the expiration of any cooling off period.

    If you do not return, your lender might repay itself by depositing your check to your bank or credit union or withdrawing funds electronically from your account.

    +
    +
    + +

    If you have taken out a loan online, you likely provided an ACH authorization for the lender to electronically access your checking account for repayment on the loan due date. So, while the way you repay a loan may depend on whether you took out a loan in a storefront or online, usually you provide the lender a way to repay itself the full amount as part of the loan application process.

    Some lenders might set up payments assuming you only want to pay a renewal fee on the loan’s due date and require you to take action several days before your loan comes due to pay it in full. This could result in you paying several rounds of renewal fees while still owing the entire original loan amount.

    Make sure you understand how your loan will be repaid and how much the loan could ultimately cost you before agreeing to get any type of loan.

    If you have problems with a payment authorization, such as the ACH was unauthorized or revoked, you may want to contact your state regulator or state attorney general . You can also submit a complaint to the CFPB online or by calling (855) 411-2372.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-shop-for-buy-a-prepaid-card-en-395/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-shop-for-buy-a-prepaid-card-en-395/index.html new file mode 100644 index 000000000000..53e2da1a89fe --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-shop-for-buy-a-prepaid-card-en-395/index.html @@ -0,0 +1,1471 @@ + + + + + + + How do I shop for and buy a prepaid card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I shop for and buy a prepaid card? +

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    When you shop for a prepaid card, compare the features and fees among different cards to find the one that will work best for you. You can buy a prepaid card online or in person at a retail store. When you buy a prepaid card, be sure to register it for protection in case your card or funds are lost or stolen.

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    Shop around to find the best prepaid card for you

    There are many types of prepaid cards, each with different features, fees, and fee structures. Asking a few questions can help you choose the right card for your situation.

    Make sure the prepaid card can be used at the locations where you plan to use the card. Prepaid cards that feature a major network brand (like Visa, MasterCard, American Express, or Discover) can be used at any location that accepts that network brand. Other types of cards may have limitations on where or how they can be used, such as only at ATMs or at specific kinds of stores. Remember, prepaid cards may look like debit cards, credit cards, or gift cards, but they are often quite different.

    The card packaging lists key fees and other information about the prepaid account, so you can comparison shop between cards at the store. You may want to visit the website listed on the card to review additional information about the program. Learn more about the fees you will have to pay.

    How to buy a prepaid card

    You can buy prepaid cards at retail locations (such as grocery stores and drug stores), online, over the phone, or from some banks and credit unions. If you buy the card online, you may be issued a virtual card, or they may send you a physical card in the mail.

    When you buy the card, you will pay for the cost of the card plus the amount that you want to load onto it, often termed the “initial load.” Some cards require a minimum initial load.

    How to register your reloadable prepaid card

    It’s important to register your card so it is protected in case of loss or theft. When you register your card, you may be asked for personal information, such as:

    • Full name
    • Street address (no P.O. boxes)
    • Date of birth
    • Email
    • Phone number
    • Social Security number, taxpayer identification number, or other identifying number if you are not a U.S. citizen

    This personal information is used to verify your identity, which may be necessary before you can use certain card features, such as reloading money onto the card or using the card online or at an ATM. Also, you generally need to register your prepaid card to become eligible for deposit insurance.

    Learn more about prepaid cards.

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    + How do I stop automatic payments from my bank account? +

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    You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you might decide to cancel a membership or monthly service, or you might want to switch to a different payment method.

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    + How to stop automatic debits from your account +

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    To stop automatic payments from your account, here are the steps you can take.

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    + Call and write the company +

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    Call the company and tell them you are taking away your permission for the company to take automatic payments out of your bank account. The company’s customer service should be able to help you, and there might be an online form you can use. Then, follow up by writing a letter or an e-mail. When you contact the company, you can explain whether you are canceling your ongoing contract or subscription, or only changing the way you are paying them. For example, you might cancel automatic payments and decide to pay invoices when they arrive. Click here for a sample letter.

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    + Call and write your bank or credit union +

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    Next, call your bank or credit union and say you have revoked authorization for the company to take automatic payments from your account. Customer service should be able to help you, and your bank or credit union might have a form for this online. Follow up by writing a letter or an e-mail. Click here for a sample letter.

    After you contact your bank and the company to clarify that you have revoked authorization from the company, any additional payments initiated by that company would be errors, and you can contact your bank for a refund.

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    + Your bank or credit union might use stop payment orders +

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    Some banks or credit unions might recommend you send them a stop payment order, too. A stop payment order is an instruction to your bank or credit union that tells them not to make a payment to a specified company from your account. Click here for a sample stop payment order.

    Banks and credit unions generally charge fees for stop payment orders.

    A good idea is to follow your bank’s or credit union’s suggested process, and keep close track of your requests and the dates you made them. That way, if something goes wrong and a payment goes through after you have given your instructions, you can work with the bank or credit union to refund your account.

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    + Monitor your accounts +

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    Tell your bank or credit union right away if you see a payment that you did not allow or a payment that was made after you revoked authorization. Federal law gives you the right to dispute and get your money back for unauthorized transfers from your account, as long as you tell your bank in time. Click here for a sample letter.

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    + Cancelling an automatic payment does not cancel what you owe +

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    To cancel an ongoing contract for a service, like cable or a gym, be sure to cancel your contract with the company as well as telling it to stop automatic payments. If you cancel an automatic payment on a loan, you still have to make payments on the loan using another payment method.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-does-foreclosure-work-en-287/index.html b/www.consumerfinance.gov/ask-cfpb/how-does-foreclosure-work-en-287/index.html new file mode 100644 index 000000000000..7a57e10552c3 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-does-foreclosure-work-en-287/index.html @@ -0,0 +1,1475 @@ + + + + + + + How does foreclosure work? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How does foreclosure work? +

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    Foreclosure processes differ by state. They are generally done in two ways. If done by filing a lawsuit, it is called "judicial foreclosure." In some states, the lender can foreclose without going to court, and that is called "non-judicial foreclosure." State foreclosure processes require that the borrower(s) be notified regarding the foreclosure proceedings. There are also other federal rules that may apply.

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    Foreclosure is when the lender takes action to satisfy the homeowner’s debt out of the sale of collateral (the homeowner’s property) when the homeowner fails to make payments on a mortgage. Foreclosure processes differ by state.

    Typically, if you fall a few months behind on your mortgage payments, the foreclosure process may begin (although the process can begin earlier or later). Don't wait for the foreclosure process to begin. Reach out for help as soon as you think you might have trouble paying your mortgage.

    The foreclosure process generally may proceed in one of these ways depending on your state:

    • Judicial foreclosure. This requires that the process go through a court where the borrower can raise defenses.
    • Non-judicial foreclosure. This is done without filing a court action and is carried out by a series of steps, including required written notices under a "power of sale" clause in the mortgage or deed of trust.

    The laws generally provide that certain notices and procedures will be followed. After that occurs, a public auction of your property generally will be held. Prospective buyers, including your lender, will appear at the sale, and the property will be sold to the highest bidder. Additional state laws generally will set forth the process for consummating and conveying your property to the bidder (which would be the lender if it was the highest bidder) and describe additional steps and procedures that must be followed. Some states may also provide you with the right to mediation prior to foreclosure. Be sure to read your mail and any legal notices carefully and act promptly on notices you receive.

    If you are having trouble paying your mortgage, you may have options.

    You can use the CFPB's "Find a Counselor" tool to get a list of counseling agencies in your area that are approved by the Department of Housing and Urban Development (HUD). You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you’re facing foreclosure or have been served with legal papers, you may also need to consult an attorney.

    Military members or veterans can call the Department of Veterans Affairs (VA) or visit the VA’s home loan website to get personalized assistance. Military members may also contact their local JAG office for more information. To find your JAG Legal Assistance Office, use the locator .

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-does-my-credit-card-company-calculate-the-amount-of-interest-i-owe-en-51/index.html b/www.consumerfinance.gov/ask-cfpb/how-does-my-credit-card-company-calculate-the-amount-of-interest-i-owe-en-51/index.html new file mode 100644 index 000000000000..fc05622e5aa0 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-does-my-credit-card-company-calculate-the-amount-of-interest-i-owe-en-51/index.html @@ -0,0 +1,1472 @@ + + + + + + + How does my credit card company calculate the amount of interest I owe? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How does my credit card company calculate the amount of interest I owe? +

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    Many credit card companies calculate the interest you owe daily, based on your average daily account balance.  

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    Often card companies charge one interest rate for purchases and different interest rates if you use your credit card to get cash, to write a check using your credit card account, or for other transactions. If your card has a grace period, you can avoid paying interest on purchases if you pay off your balance in full by the due date each month. 

    How does the daily interest calculation work?

    Many issuers calculate the interest you owe daily, based on the average daily balance. The interest charged daily is called the daily periodic rate. Since interest is accruing daily, not monthly, this means that if you don’t have a grace period, the sooner you pay off all or some of your balance, the less interest you will pay. 

    How do I know what APR applies to different types of balances? 

    Your statement must show each category with a different APR and the amount of the balance that falls in each category. If your card has a grace period , the grace period usually applies only to the category of new purchases and only if you were not already carrying a balance.  

    How do my payments affect the amount of interest I owe?

    If your card has a grace period, you can avoid paying interest on purchases if you pay off your card balance in full each month by the due date. When you pay less than the full balance but more than the minimum required, the card issuer must generally apply the amount you pay over the minimum first to the balance with the highest interest rate and any remaining portion to the other balances in descending order based on the applicable interest rate. It is generally up to the card issuer to decide to which balance it will apply the minimum amount portion of your total payment. 


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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html b/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html new file mode 100644 index 000000000000..9a6bcf527205 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html @@ -0,0 +1,1467 @@ + + + + + + + How long can the card issuer take to resolve my credit card billing error dispute? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How long can the card issuer take to resolve my credit card billing error dispute? +

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    The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it cannot take longer than 90 days.

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    If you’ve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter.

    They have two billing cycles – generally two months or 60 days – to investigate the error, but they can’t take more than 90 days. In the meantime, they’re not allowed to charge you interest on the amount being disputed.

    If the card issuer determines no billing error occurred, they must mail or deliver an explanation of the reasons why they’ve rejected your dispute.

    If the card issuer determines a billing error has occurred, then they must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you.

    If you’re disputing part of a payment you’ve made for a faulty or defective product, you may have the right not to pay the remaining amount, but all of the following generally must be true:

    • You must have first tried in good faith to resolve the issue with the merchant who sold you the product or service.
    • You must have made your purchase in your home state or within 100 miles of your home address.
    • The price of the service or product must have been more than $50.
    • You must have used your credit card to pay for the purchase.
    • You must not yet have fully paid for the product or service.

    Learn more about credit cards

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html b/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html new file mode 100644 index 000000000000..a8260bd041c8 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html @@ -0,0 +1,1477 @@ + + + + + + + When and how often can a debt collector call me on the phone? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When and how often can a debt collector call me on the phone? +

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    There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They’re also prohibited from communicating with you at times or places that are inconvenient for you.

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    When can a debt collector call me?

    Generally, debt collectors can’t call you at an unusual time or place, or at a time or place they know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. The law also requires debt collectors to follow instructions you give them about when and where you don’t want to be contacted.

    If you don’t want to receive calls from a debt collector at a particular time or place, such as on the weekends or at work, you should tell the debt collector. If they’re aware you don’t want or are not allowed to receive personal calls at work, for example, they’re not allowed to contact you there.

    You have a right to ask a debt collector to stop contacting you.

    How often can debt collectors call me?

    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. “Placing a telephone call” includes telephone calls that the debt collector makes and that go into voicemail.

    In addition, the Debt Collection Rule creates certain “presumptions” to help determine whether debt collectors have violated this law. The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt:

    • More than seven times within a seven-day period, or
    • Within seven days after engaging in a telephone conversation with you about the particular debt.

    Factors such as the frequency and pattern of phone calls and voicemails may also be used to assess whether a debt collector complied with or violated the law. For example, if the debt collector placed seven calls to you about a debt within a seven-day period, but all seven calls were made on the same day, they could be violating the law. There may be some exceptions to this, including if you gave them consent to call more frequently.

    The limits generally apply per debt but in the case of student loan debt – depending on the facts – multiple debts could be counted together as one “particular debt,” so the limits would apply to those debts as a group.

    Keep in mind that these presumptions only apply to telephone calls placed by the debt collector to you and don’t apply to other forms of communication, including text messages, emails, in-person interactions, or social media messages, which have other protections.

    For more information about repeated or continuous telephone calls or telephone conversations, review the Debt Collection Rule FAQs or see Section 7.1 in the Debt Collection Small Entity Compliance Guide . Your state laws may also provide additional protections, and you can check with your state attorney general’s office for more information.

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn what to do when a debt collector contacts you.

    Learn more about debt collection.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html b/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html new file mode 100644 index 000000000000..efd9fc1a6f11 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html @@ -0,0 +1,1534 @@ + + + + + + + How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? +

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    Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait.

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    How quickly can I get money after I deposit a check?

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    Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day.

    If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee.

    If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day.

    Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit union’s cut-off time for receiving deposits can be no earlier than 2:00 p.m. at physical locations and no earlier than noon at an ATM or elsewhere.

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    What is a deposit hold?

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    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use.

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    Why is it taking longer to see a deposit in a bank account?

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    It may take longer for you to access your deposit for a few reasons:

    • If you have a new account or if your account has been overdrawn too many times in the past six months;
    • If you make a deposit over $5,000;
    • If you make a deposit at an ATM owned by someone other than your bank or credit union; or
    • If the bank or credit union reasonably believes the deposited check may be uncollectible.
    • If you or your bank redeposit a check that has been returned unpaid
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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html new file mode 100644 index 000000000000..faacbb244586 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html @@ -0,0 +1,1472 @@ + + + + + + + I sent money to someone in a foreign country, but the amount received was less than what I sent. What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + I sent money to someone in a foreign country, but the amount received was less than what I sent. What can I do? +

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    When you send a remittance transfer, sometimes fees or taxes are charged or deducted from the total amount sent. When you use a remittance transfer provider, federal law gives you the right to dispute any errors.

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    The amount that was received may be less than what was sent because certain fees or taxes may be deducted by a third-party company, separate of the remittance transfer provider, that processed the transfer.

    If you used a remittance transfer provider, they must tell you about certain fees charged by persons other than the provider before you pay for the transfer. In most cases, remittance transfer providers must provide you with the exact amount of those fees, but sometimes federal law allows them to provide you with estimates.

    There may be additional fees taken out by the recipient’s bank and foreign taxes that apply. If these deductions apply to your transfer, the remittance transfer provider must let you know, but federal law doesn’t require them to provide you with exact or estimated amounts of these deductions. If you’re unsure about whether you have sent enough money to cover the fees, contact the person or business receiving the money. They can tell you whether they have priced in the additional fees and taxes for you.

    If you believe a mistake was made, or if you have questions, contact the money transfer service right away. If you sent a money transfer through a remittance transfer provider, federal law gives you the right to have errors investigated. The provider also must tell you the results of the investigation. For certain types of errors, such as if the money doesn’t arrive by the date it’s supposed to arrive, you may be able to get a refund or have the transfer sent again.

    If you’re not satisfied with the company’s response, submit a complaint to the CFPB.

    Learn more about money transfers.

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    If you believe you gave wrong information, contact the provider and ask if you can correct it.

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    When you send money to someone else, the company you use may require the recipient’s information, such as name and address, or account number, to match certain information that you provide in order to get the money you’ve sent.  

    Verify account numbers before you send a transfer. You could lose your money if you mistakenly provide wrong account or routing numbers. If the money does not go to the account you intended, you may not be able to get it back.

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    Your cardholder agreement may give you any other details on how to close your account. You should be able to find a copy of the agreement on your card company’s website, and you can request a copy from your card company if it is not there. If you have any questions, you should contact your card company.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html b/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html new file mode 100644 index 000000000000..6601446ff147 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html @@ -0,0 +1,1475 @@ + + + + + + + How do I notify the remittance transfer provider about a mistake with my money transfer? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I notify the remittance transfer provider about a mistake with my money transfer? +

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    If you think there was a mistake with your remittance transfer, contact the company that sent the money right away. The sooner you notify the company, the sooner your issue can be resolved.

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    Federal law requires remittance transfer providers to correct certain errors when making a money transfer, such as a failure to deliver the correct amount of money or to deliver the funds by the date the money is supposed to be available. You have 180 days from the date the money is supposed to be available to contact the provider and report the error. This date of availability is printed on your money transfer receipt, but don’t delay. Usually, the sooner you start the process, the sooner the error can get fixed.

    The remittance provider must investigate and determine whether an error occurred within 90 days after it receives your notice of error, and then tell you about their findings within three business days after completing the investigation.

    Mistakes a remittance transfer provider is responsible for correcting

    Generally, mistakes a remittance transfer provider is responsible for correcting include:

    • An incorrect amount paid by the sender
    • Computational or bookkeeping errors
    • Delivery of an incorrect amount of money
    • Failure to deliver funds by the date that the money is supposed to be available or to deliver the funds at all
    • Delivery of funds to the wrong recipient

    Information to include when submitting your error notice

    When submitting your error notice, give the remittance transfer provider as much information about the money transfer as you can, in addition to explaining why you believe a mistake was made. There is information you must include, such as:

    • Your name and telephone number or address
    • The name and telephone number or address of the person to whom you sent the transfer
    • The dollar amount of the transfer
    • Why you believe an error occurred

    There is other information you should give to the provider if you know it, but is not mandatory. This includes:

    • Your email address and other identifying information used in sending the transfer
    • Any email address or other identifying information of the person you sent the transfer to
    • The confirmation code if you have one
    • The date the transfer was requested
    • The destination of the transfer
    • Any other information that could help the provider identify the transfer

    Requirements for receiving a refund or resending the money

    For many types of mistakes, such as if the money never arrives, you may be able to get a refund or have the remittance transfer sent again. If the mistake occurred because you gave the remittance transfer provider an incorrect account number or routing number and the provider took certain actions, then they’re not required to refund or resend the money. These certain actions include using reasonably available means to verify that the routing number corresponded to the recipient institution name you provided before sending the transfer and using reasonable efforts to retrieve the funds from the wrong recipient in a quick manner.

    If you’re not satisfied with the company’s response, you can submit a complaint to the CFPB. In addition, a remittance transfer receipt must list the transfer provider’s phone number, a phone number for the CFPB, and, in some cases, a phone number for a state regulator for questions or complaints about the remittance transfer provider.

    View a sample remittance transfer receipt.

    Separate state law protections may be available to you, depending on how you send the money (for example, through wire transfer, electronic payment, etc.). Contact your state attorney general  or state financial regulator for more information about your state’s laws.

    Learn more about money transfers.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html b/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html new file mode 100644 index 000000000000..06f0123dfd0b --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html @@ -0,0 +1,1466 @@ + + + + + + + Can a family member or friend help me with bill paying and banking? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    If you’d like a family member or friend to help you manage your money, you can explore options like opening a convenience bank account, adding trusted contacts to your accounts, or getting a power of attorney (POA).

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    Receive informal help with money management

    If you are still able to handle your banking and bill-paying but would like some help going through the bills and budgeting, a friend or family member can review your bills with you and help you figure out which ones to pay and when. Under this arrangement, you still sign your checks, and no one else is authorized to make account transactions.

    If you have no friends or family members to help you with informal money management, there are organized programs that provide trained staff members or volunteers to help. To locate a money management program in your area, try contacting your local Area Agency on Aging . You may also be able to find a money management program along with other resources for older Americans by contacting the Eldercare Locator at eldercare.acl.gov or by calling 1-800-677-1116.

    If you get help from a money management program, though, check on whether the program has insurance or bonding so your money is protected in a worst-case scenario, including mismanagement or theft by the person assisting you.

    Open a convenience account

    A “convenience account” or “agency account” enables you to designate a family member or friend to help you with depositing or withdrawing money and writing checks.

    A convenience account doesn’t change the ownership of the money in the account or give your helper the right to keep the money when you die. However, any friend or family member you designate to help you can both deposit and withdraw money from your account, which exposes you to the risk that they might withdraw your money for their own use.

    If you’re interested in a convenience or agency account, ask your bank

    Often bank employees don’t mention these options or know they exist. You may need to speak with a manager. Explain that you want an account in which the money remains yours but that someone else’s name will be on the account to help you with bill paying and other transactions. If you don’t intend for your money to become your helper’s money upon your death, be sure to say that you don’t want a joint account where the other person has the “right of survivorship.”

    Add a trusted contact person to your accounts

    Some banks may also offer the option to add a “trusted contact person” to your brokerage accounts. This allows your financial institution to contact the trusted person in certain circumstances, like if they believe you’re getting scammed. Trusted contacts don’t have access to your money – they simply get notified if the financial institution sees signs of financial exploitation. Learn more about how choosing a trusted contact person could help you safeguard your finances.

    Set up a power of attorney for finances

    You can also choose a friend or family member to act on your behalf by creating and signing a document called a power of attorney (POA) or “durable” power of attorney. If you have a POA, your bank account can remain in your name only, but the person you name as your power of attorney – or your “agent” – can help you with banking. If you or your agent shares a copy of the power of attorney document with bank employees, they should honor the document and allow your agent to handle your bank transactions on your behalf.

    Again, give considerable thought before granting anyone power of attorney, as they could withdraw money from your account without your permission.

    Considering a financial caregiver? Learn your options.

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    + I've heard about something called the HOPE(TM) Hotline. What's that? +

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    The HOPE™ Hotline offers personalized advice from housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). 

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    You can access this national hotline by calling (888) 995-HOPE (4673) 24 hours a day, 7 days a week. You may also access the Homeownership Preservation Foundation website.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/index.html b/www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/index.html new file mode 100644 index 000000000000..fb43b485615f --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/index.html @@ -0,0 +1,1489 @@ + + + + + + + If I can't pay my mortgage loan, what are my options? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    If you can’t pay your mortgage or are worried about missing a mortgage payment, call your mortgage servicer right away. You should also contact a HUD-approved housing counseling agency to get free, expert assistance on avoiding foreclosure.

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    First, call your mortgage servicer. You can find the telephone number for your mortgage servicer on your monthly mortgage loan statement. If you don’t get a monthly mortgage statement, look in the mortgage loan coupon book your lender gave you. You can also look on your mortgage servicer’s website. If you don’t know the name of your mortgage servicer, contact a HUD-approved housing counseling agency for help.

    When you call your mortgage servicer, be prepared to explain:

    • Why you are unable to make your payment
    • Whether the problem is temporary or permanent
    • Details about your income, expenses and other assets like cash in the bank
    • If you are a servicemember and have received permanent change of station (PCS) orders. (This is important to mention, because you may qualify for loss mitigation options because of your military move.)

    Many mortgage servicers have programs to help people avoid foreclosure. Your mortgage servicer will look at your situation to consider the options that may be available to you. The servicer may ask you to fill out a mortgage assistance application. After the servicer reviews the completed application, it will let you know what loss mitigation options, if any, it will offer to you.

    Next, call a HUD-approved housing counseling agency. Through the Department of Housing and Urban Development (HUD), you can find an agency to help you. The counselor can:

    • Discuss your situation and whether you qualify for any programs or additional help
    • Help you understand the loss mitigation options your servicer offers and which options might work best for you
    • Guide you through the process of working with your servicer and any other programs and paperwork you may need
    • Help you at little or no cost with budgeting, credit card debt, or other financial problems that may be making it hard to pay your mortgage

    You can use the CFPB's "Find a Counselor" tool to get a list of housing counseling agencies in your area that are HUD-approved. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you are facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.

    What options might be available?

    Some options that your servicer might make available include:

    Watch out for Scams

    A HUD-approved housing counseling agency can help you figure out which available options may work best for you. You don’t have to pay anyone to help you avoid foreclosure. The help you need is available at no cost to you from your servicer, or through a HUD-approved housing counseling agency.

    Foreclosure scammers might tell you they’ll save your home from foreclosure, when they’re really just taking your money.

    Watch for these scam warning signs:

    • You’re asked to pay upfront for help.
    • The company guarantees it will get the terms of your mortgage changed.
    • The company guarantees you won’t lose your home.
    • You’re asked to sign over title to your home or to sign other documents you don’t understand.
    • You’re instructed to send your payment to someone other than your mortgage company or servicer.
    • The company offers to do a “forensic audit.”
    • You’re told to stop paying your mortgage.
    • The company says they’re affiliated with the government, or uses a logo that looks like a government seal but is slightly different.

    Tip: Use our checklist for more information on how to avoid foreclosure.

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    When you carry a balance on your credit card, most card companies charge you interest from your billing date until the time they receive your payment.

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    Different credit card companies have different rules for when they charge interest. In general, once a credit card company starts to charge interest, it keeps charging interest until it receives your payment.

    Your cardholder agreement should tell you the rules for your credit card. You should be able to find a copy of the agreement on the credit card company’s website, or you can look it up by the company’s name. You can also request a copy from your credit card company.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/index.html b/www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/index.html new file mode 100644 index 000000000000..9d96e1f63f29 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/index.html @@ -0,0 +1,1471 @@ + + + + + + + If my prepaid card expires, do I lose my money? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    In some cases, when your prepaid card expires, you might have to pay a fee so that you do not lose your money. Check your cardholder agreement to see if there are actions you need to take to prevent this loss.

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    If your prepaid card expires while you still have money on it, you may be able to request a replacement card to access the funds. You may also try to close out your account by requesting that your balance be mailed to you in the form of a check. The provider might charge you a fee for this. Be sure to check your cardholder agreement to see if you can get back the money that may still be on the card when it expires.

    The rules for gift cards are different. Gift card funds must be good for at least five years under federal law, and some states laws give you more time. Under federal law, inactivity fees can only be charged after 12 months of inactivity and if other conditions are met. 

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html b/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html new file mode 100644 index 000000000000..8ec31740dc4f --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html @@ -0,0 +1,1476 @@ + + + + + + + My credit application was denied because of my credit report. What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    If you were turned down for a loan or a line of credit, the lender is required to give you a list of the main reasons for its decision or a notice telling you how to get the main reasons.

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    First, find out what caused the lender to turn you down. If a lender rejects your application, it’s required under the Equal Credit Opportunity Act (ECOA)  to tell you the specific reasons your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.

    If a lender rejects your application based on your credit report, the lender is also required to:

    • Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score
    • Give you the name, address, and telephone number of the credit reporting company that provided the report
    • Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice
    • Explain the process for fixing mistakes on your report or adding information to make your report more complete

    If you find information in your credit report that you believe is inaccurate, you can dispute what is in the report with the credit reporting company and the company that provided the information. The credit reporting company is required to conduct an investigation and correct any errors it finds. If after the investigation you still believe that the report is wrong, you generally have the right to have a statement added to the report stating that you dispute the information.

    If you were denied due to an “insufficient credit file”, you can use this checklist to learn how to build and keep good credit .

    It is illegal for a creditor to discriminate in any credit transaction, including mortgages, against any applicant because of:

    • Race
    • Color
    • Religion
    • National origin
    • Sex (gender)
    • Marital status
    • Age, unless the applicant is not legally able to enter into a contract
    • Receipt of income from any public assistance program
    • Exercising in good faith a right under the Consumer Credit Protection Act (such as disputing information in your credit report)

    If you feel you may have been discriminated against, learn more about your rights under ECOA.

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    + My payday lender said my loan would cost 15 percent but my loan documents say the annual percentage rate (APR) is almost 400 percent. What is an APR on a payday loan and how should I use it? +

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    The APR, or annual percentage rate, is the standard way to compare how much loans cost. It lets you compare the cost of loan products on an “apples-to-apples” basis. Your lender must disclose the APR before you agree to the loan.

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    To calculate the APR, the interest rate and fees are compared to the amount you borrow and calculated over a one-year period. This allows you to compare the costs of a credit card to a six-month installment loan, or a two-week payday loan. It is also why APRs are often different from simple interest rates.

    For example, if your payday lender is charging you a $15 fee for every $100 borrowed, that would be a simple interest rate of 15 percent. But if you have to repay the loan in two weeks, that 15 percent finance charge equates to an APR of almost 400 percent because of the very short term.

    Here’s why: Consider the daily interest cost, $1.07 (or $15 divided by 14 days), then multiply that out for a full year (365 days, so $390.55). So, borrowing $100 would cost you $391 if the term were extended to one year – that’s 391 percent of the borrowed amount.

    By comparison, the cost of borrowing the same $100 on a credit card with a 15 percent APR is $15 for one year, or about 57 cents for two weeks.

    You don’t need to worry about the math. Just keep in mind that the APR does matter because it provides a shorthand way for you to compare the cost of two or more loans. Remember, your lender must disclose the annual percentage rate (APR) and other costs before you agree to the loan. If you were not given this information, your lender violated the law. You can file a complaint with your state regulator and attorney general . You can also submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

    Tip: Focus on APRs. If you want to compare the cost of a payday loan to the cost of an installment loan or a credit card, focus on the APRs.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/should-i-get-a-payday-loan-if-i-need-money-now-en-1583/index.html b/www.consumerfinance.gov/ask-cfpb/should-i-get-a-payday-loan-if-i-need-money-now-en-1583/index.html new file mode 100644 index 000000000000..0af749d4fa71 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/should-i-get-a-payday-loan-if-i-need-money-now-en-1583/index.html @@ -0,0 +1,1472 @@ + + + + + + + Should I get a payday loan if I need money now? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Should I get a payday loan if I need money now? +

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    Before choosing to take out a payday loan, think about the costs you will pay, whether you want to borrow, and how you will pay back the loan.

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    Cost

    If you take out a payday loan, you will likely be charged a fee of between $10 and $30 for every $100 borrowed. A $15 per $100 fee is typical. So, if you have an emergency and need $300 today, you would have to pay back $345 in a couple of weeks, assuming a fee of $15 per $100 borrowed. If your budget is already tight, that may be hard to do. In those states that do not ban or limit renewals or rollovers,the payday lender may encourage you to pay just the fee and extend the loan another few weeks. In that case, you would spend $45 and still owe $345 when the extension is over – that means you’re spending $90 to borrow $300 for one month.

    Choices

    First, there may be alternative strategies available, including those that don’t involve taking out a loan. Some employers, nonprofit organizations, and community groups offer advances or emergency credit. And don’t forget about help from family or friends.

    Second, if you have an account at a bank or credit union, there may be less expensive alternatives available to you, especially if you have a stable credit history. A credit card may also be another option.

    Third, another option might be to negotiate with the creditor or debt collector about the debt or bill you owe. A smaller repayment amount may help make repayment easier.

    Finally, if you are expecting a tax refund or an increase in income, think about using that money to start saving some money for the next emergency.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html b/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html new file mode 100644 index 000000000000..75725fc0d184 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html @@ -0,0 +1,1506 @@ + + + + + + + Should I trade in my car if it’s not paid off? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Should I trade in my car if it’s not paid off? +

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    If you have a balance on your loan, find out how much you still owe and what the trade-in value is so you can decide whether to pay off your loan, wait before you buy again, or add your current amount to a new loan.

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    Trading in a car generally helps you reduce how much you’ll need to borrow when buying another vehicle, but if you have a balance on your current auto loan, you may be encouraged to roll your existing balance into a new loan, which will increase your total loan costs and the interest you’ll pay over the life of your loan.

    To make the best decision for you, find out the following information first:

    • Find out the “payoff amount” on your existing auto loan. This is the amount remaining on your existing loan, and it might be different from the outstanding balance listed on your statement or coupon book because of the way interest is calculated, any outstanding late fees or charges, or for another reason.
    • Research the potential trade-in or actual cash value of your current vehicle. You can find estimated trade-in values through Consumer Reports, Edmunds, Kelley Blue Book, and NADA Guides. You can also look at online classified ads for similar vehicles in your area. Like shopping for an auto loan, you can get trade-in estimates from multiple dealerships and negotiate your trade-in value to get the best price.

    If you owe less than your estimated trade-in value, make sure you fully repay your existing auto loan before getting a new loan. In some cases, there may be a prepayment penalty for paying off your loan early.

    If you owe more than your trade-in value – often referred to as “negative equity” – a dealer or lender may offer to roll the balance of your existing auto loan into a new auto loan, but this will make your new auto loan more expensive.

    With this information, you can better decide if you want to pay off your existing loan now, wait until you pay off your loan, or include the amount that you still owe on your current vehicle in your new auto loan.

    Ask these questions before getting a new auto loan

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    Rolling your existing auto loan balance into a new loan

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    If you move forward with trading in your vehicle and rolling your existing auto loan balance into a new loan, ensure your original loan has been completely paid off and you don’t have any outstanding payments:

    Dealers occasionally have vehicle trade-in offers, and if the dealer promises to pay off your negative equity, make sure it’s not included in your new financing or your final loan contract. Before finalizing a loan, read the contract carefully, and don’t sign anything until you understand and are comfortable with the terms.

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    Know before you shop

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    There are several important financial decisions to make before you shop for a car. Learn what questions to ask so you can make the best choice for you.

    What you need to know before you shop for a car or auto loan

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-my-rights-under-the-military-lending-act-en-1783/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-my-rights-under-the-military-lending-act-en-1783/index.html new file mode 100644 index 000000000000..d70f8ace4012 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-my-rights-under-the-military-lending-act-en-1783/index.html @@ -0,0 +1,1477 @@ + + + + + + + What are my rights under the Military Lending Act? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    The Military Lending Act (MLA) says that you can’t be charged an interest rate higher than 36% on most types of consumer loans and provides other significant rights.

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    The MLA applies to active-duty servicemembers (including those on active Guard or active Reserve duty) and covered dependents.

    Your rights under the MLA include:

    • A 36% interest cap. You can’t be charged more than a 36% Military Annual Percentage Rate (MAPR), which includes the following costs in calculating your interest rate (with some exceptions):
      • Finance charges,
      • Credit insurance premiums or fees,
      • Add-on products sold in connection with the credit, and
      • Other fees like application or participation fees, with some exceptions.
    • No mandatory waivers of consumer protection laws.  A creditor can’t require you to submit to mandatory arbitration or give up certain rights you have under State or Federal laws like the Servicemembers Civil Relief Act.
    • No mandatory allotments. A creditor can’t require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan.
    • No prepayment penalty. A creditor can’t charge a penalty if you pay back part – or all – of the loan early.

    Tip: If you have an issue with a consumer loan, you can visit the JAG Legal Assistance Office locator to find help. You can also ask your installation financial readiness office for information.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-some-classic-warning-signs-of-possible-fraud-and-scams-en-2094/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-some-classic-warning-signs-of-possible-fraud-and-scams-en-2094/index.html new file mode 100644 index 000000000000..05956ee43cab --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-some-classic-warning-signs-of-possible-fraud-and-scams-en-2094/index.html @@ -0,0 +1,1475 @@ + + + + + + + What are some classic warning signs of possible fraud and scams? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What are some classic warning signs of possible fraud and scams? +

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    There are several signs that indicate you might be dealing with a scammer, and several steps you can take to protect yourself and others.

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    Criminals and con artists use many scams to target unsuspecting people—of all ages—who have access to money. Consumer scams happen on the phone, through the mail, e-mail, or over the internet. They can occur in person, at home, or at a business.

    Warning signs include contact from someone:

    • Claiming to be from the government, a bank, a business, or a family member, and asking you to pay money.
    • Asking you to pay money or taxes upfront to receive a prize or a gift.
    • Asking you to wire them money, send cryptocurrency, send money by courier, send money over a payment app, or put money on a prepaid card or gift card and send it to them or give them the numbers on the card.
    • Asking for access to your money-such as your ATM cards, bank accounts, credit cards, cryptocurrency wallet keys or access codes, or investment accounts.
    • Pressuring you to "act now" or else the deal will go away, or trying hard to give you a "great deal" without time to answer your questions.
    • Creating a sense of urgency or emergency to play on your emotions.
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    Here are some tips to protect yourself from scams:

    • Don’t share numbers or passwords for accounts, credit cards, or Social Security.
    • Never pay up front for a promised prize. It’s a scam if you are told that you must pay fees or taxes to receive a prize or other financial windfall.
    • After hearing a sales pitch, take time to compare prices. Ask for information in writing and read it carefully.
    • Too good to be true? Ask yourself why someone is trying so hard to give you a “great deal.” If it sounds too good to be true, it probably is.
    • Watch out for deals that are only “good today” and that pressure you to act quickly. Walk away from high-pressure sales tactics that don’t allow you time to read a contract or get legal advice before signing. Also, don’t fall for the sales pitch that says you need to pay immediately, for example by wiring the money, sending it by courier or over a payment app, or by sending cryptocurrency.
    • Beware when someone plays on your emotions or claims there’s an urgent situation. Advances in artificial intelligence make it easier for scammers to clone voices and alter images to make it seem like someone you know needs help. Contact the person yourself to verify the story. Use contact information you know is theirs. If you can’t reach them, try to get in touch with them through another trusted person, like a family member or their friends.
    • Don’t click on links or scan QR codes. These can take you to scammers’ malicious websites or give them access to your device.
    • Put your number on the National Do Not Call Registry. Go to www.donotcall.gov or call (888) 382-1222.
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    + What are some common types of scams? +

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    Scammers are constantly finding new ways to steal your money, from blackmail to romance scams to selling nonexistent items. Learn about the warning signs of common fraud and scams so you can protect yourself and others.

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    Common types of fraud and scams

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    Here are some of the most common types of fraud and scams. Learn what to watch for and what steps to take to keep yourself, your loved ones, and your money safe.

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    Blackmail scams

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    A blackmailer’s mission is to scare you into sending them money by threatening to distribute private content—from your computer or phone, or shared with them over an email, text, or social media—that could embarrass you. They might ask you to wire them money, or send it using a mobile app, a gift card, or cryptocurrency. Sometimes these scammers are complete strangers and other times they might be someone you met online and thought you could trust.

    What to do: Try to stay calm in spite of blackmailers’ intimidation and high-pressure tactics. Stop communicating with them and don’t pay them. Keep all messages as evidence to help law enforcement. Keep in mind that you don’t need to deal with this alone.

    If you’re a minor, let an adult you trust know what’s happening and report the threat to the National Center for Missing and Exploited Children’s CyberTipline .

    Report blackmail to the police and to your local Federal Bureau of Investigation (FBI) field office , by calling 1-800-CALL-FBI, or online at tips.fbi.gov . You can also report threats involving the internet, such as when a mobile payment app is involved, to the FBI’s Internet Crime Complaint Center at www.ic3.gov . If the threat involves social media, consider reporting it to the social media company.

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    Charity scams

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    A charity scam is when a thief poses as a real charity or makes up the name of a charity that sounds real to get money from you.

    These scams often increase during the holiday season as well as after natural disasters and emergencies, such as storms, wildfires, or earthquakes. Be careful when a charity calls to ask for donations, especially ones that suggest they’re following up on a donation pledge you don’t remember making. Also watch for scammers that try to get you to donate by using live streaming on social media platforms, altered images, or images or voices generated by artificial intelligence (AI). They typically ask you to send money online, often using cryptocurrency, so they can get your money quickly.

    What to do: Ask for detailed information about the charity, including address and phone number. Look up the charity through their website or a trusted third-party source to confirm that the charity is real.  See more steps to take to avoid a charity scam .

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    Debt collection scams

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    Debt collectors might contact you to collect on legitimate debts you owe. But there are scammers who pose as debt collectors to get you to pay for debts you don't owe.

    What to do: Ask the debt collector for their company name and mailing address and information about the debt they say you owe. Be on the lookout for threats of criminal charges or other warning signs. Read more about warning signs of a debt collection scam.

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    Debt settlement and debt relief scams

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    Debt settlement or debt relief companies often promise to renegotiate, settle, or in some way change the terms of a debt you owe to a creditor or debt collector. Dealing with debt settlement companies, though, can be risky and could leave you even further in debt.

    What to do: Avoid doing business with a company that guarantees they can settle your debts, especially those that charge up-front fees before performing any services. Instead, you can work with a reputable nonprofit credit counseling program that can help you work with your creditors.  Learn more about the risks of working with a debt settlement or relief company and other help that might be available.

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    FDIC logo misuse

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    The Federal Deposit Insurance Corporation (FDIC) logo is displayed on buildings, websites, advertisements, and other materials from its member banks. Sometimes, a scammer displays the FDIC logo, or says its accounts are insured or regulated by the FDIC, to try to assure you that your money is safe when it isn’t. Some of these scams could be related to cryptocurrencies.

    What to do: Double-check whether the business is an FDIC-insured bank by using the lookup page on the FDIC’s BankFind site .

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    Foreclosure relief or mortgage loan modification scams

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    Foreclosure relief or mortgage loan modification scams are schemes to take your money or your house, often by making a false promise of saving you from foreclosure. Scammers might ask you to pay upfront fees for their service, guarantee a loan modification, ask you to sign over the title of your property, or ask you to sign paperwork you don’t understand.

    What to do: If you are having trouble making payments on your mortgage, a Housing and Urban Development  (HUD)-approved housing counseling agency can help you assess your options and avoid scams. If you think you may have been a victim of a foreclosure relief scam, you may also want to find legal help through your local bar association or legal aid. Learn more about mortgage loan modification scams.

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    Grandparent scams

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    If you get a call from someone who sounds like a grandchild or relative asking you to wire or transfer money or send gift cards to help them out of trouble, it could be a scam. Artificial intelligence has made it easier for scammers to clone voices and alter images to make it seem like someone you know needs help. Meant to play on your emotions, this scam is among those commonly used to target older adults, especially during the holidays.

    What to do: Beware of a caller who insists on secrecy and contact your relative yourself to verify the story. If you can’t reach them, try to get in touch with them through another trusted person, another family member, or their friends. Read more about other ways to protect older adults from fraud and financial exploitation.

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    Impostor scams

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    Impostor scammers try to convince you to send money or share account details by pretending to be someone you know or trust, like a government employee. Some people, specifically older adults, have received phone or video calls from scammers using CFPB employees’ names.

    The CFPB does NOT get in touch with people to tell them to pay fees or taxes related to a class-action lawsuit or lottery. You won’t need to send us personal information so that you can cash a check we send you.

    Scammers might pose as law enforcement and threaten you with legal consequences if you don’t send money, or they may pretend to be a charity organization seeking donations. Other messages might look like they are coming from a bank or another company, claiming there’s been a hack, potentially fraudulent activity, or other problem, in a scam meant to get your account or personal information.

    What to do: Remember, caller ID and emails can be faked, voices can be cloned, and images can be altered. Call the bank, company, organization, or government agency directly and ask if the person works for them and if there really is a problem. Read more about impostor scams .

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    Lottery or prize scams

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    In a lottery or prize scam, the scammers may call, text, or email to tell you that you’ve won a prize through a lottery or sweepstakes and then ask you to pay an upfront payment for fees and taxes. In some cases, they may claim to be from a federal government agency like the CFPB.

    What to do: Avoid providing any personal or financial information, including credit cards or Social Security numbers, to anyone you don’t know. Also, never make an upfront payment for a promised prize, especially if they demand immediate payment.  Learn more about lottery or prize scam red flags.

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    Mail fraud

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    Mail fraud letters look real but the promises are fake. A common warning sign is a letter asking you to send money or personal information now in order to receive something of value later. Examples of mail fraud might include notices of prizes, sweepstakes winnings, vacations, and other offers to claim valuable items.

    What to do: To learn more, the United States Postal Service (USPS) has identified common postal or mail fraud schemes . The US Postal Inspection Service also provides tips on mail fraud and where to report suspicious mail and related scam emails or texts. Read more about how to recognize and report mail fraud.

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    Man-in-the middle scams

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    Man-in-the-middle scams are a type of cyberattack where a scammer tricks you into connecting to a fake network or website, or clicking on a fake QR code, text or email link, or attachment. Once you do, the scammer can see your every move and steal information like account logins and passwords, financial data, or other sensitive personal information. These scammers can also impersonate another person you’re communicating with—like your real estate or settlement agent in a mortgage closing scam—so that you think you’re sending payment to the person you know, when it’s really going to the scammer.

    What to do: Avoid public wireless networks and free charging stations in public places. Don’t click on QR codes or links, or download attachments, in unsolicited texts or emails. Carefully examine email addresses and website URLs, even if they appear to be from someone you know. Before you send money, verify that the person you know is the one requesting it and that you have the correct payment information. If you think you’ve been impacted by a man-in the-middle scam, you can also file a complaint with the Federal Bureau of Investigation’s Internet Crime Complaint Center at www.ic3.gov.

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    Money mule scams

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    A money mule is someone who receives and moves fraudulently obtained money. While some money mules know they’re assisting with criminal activity, others are unaware that their actions are helping fraudsters.

    Money mules may be recruited through online job or social media posts that promise easy money for little effort. They may also agree to help a love interest who they’ve met online or over the phone, by sending or receiving money, as part of a romance scam.

    What to do: Don’t agree to receive or send money or packages for people you either don’t know or haven’t met. Also, be aware of jobs that promise easy money. Learn more about the red flags and what to do if you think you might be involved in a money mule scam.

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    Money transfer or mobile payment services fraud

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    Con artists use money and wire transfers to steal people’s money. If someone you don’t know asks you to send money to them—even if they say they are from a government agency—it should be a red flag.

    Using mobile payment services only with family, friends, and others you know and trust is the safest way to protect your money as you use the services. You should still be cautious when people you do know ask you to send them money. Before you send money, verify that they are really the ones requesting it.

    What to do: Never send money to someone you don’t know. If you think you made a money transfer or mobile app payment to a scammer, contact your bank or the company you used to send the money immediately and alert them that there may have been an unauthorized transaction. You can also file a complaint with the FBI’s Internet Crime Complaint Center at www.ic3.gov .

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    Mortgage closing scams

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    Mortgage closing scams target homebuyers who are nearing the closing date on their mortgage loan. The scammer attempts to steal your closing funds—for example, your down payment and closing costs—by sending you an email posing as your real estate agent or settlement agent (such as your title company, escrow officer, or attorney).

    What to do: These schemes—a common type of man-in-the-middle scam—are often complex and appear as legitimate conversations with your real estate or settlement agent. When you’re about to close on your home, identify trusted individuals who can confirm the process and payment instructions, and write down their names and contact information so you can reach out to them directly. Learn more about what steps you should take to help protect your closing funds.

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    Romance scams

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    A romance scam is when a new love interest tricks you into falling for them when they really just want your money. Romance scams start in a few different ways, usually online. Scammers may spend time getting to know you and developing trust to fool you into thinking the relationship is real before asking you for money, a loan, or access to your finances.

    What to do: Be careful about who you connect with and what information you share online, or over texts or social media. Don’t send money or share sensitive personal information, such as bank account or credit card numbers or a Social Security number, with a new love connection. Learn more about how to avoid romance scams.

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    Sale of nonexistent goods or services scams

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    Scammers use mobile payment apps to trick people into sending money or merchandise without holding up their end of the deal. For example, a scammer may offer to sell you concert or sports tickets, or a puppy or other pet, but then never actually give them to you. Or a scammer might purchase an item from you, appear to send a payment, and then cancel it before it reaches your bank account.

    What to do: Never send money to someone you don’t know. If you think you made a payment to a scammer, contact your bank or the company you used to send the money immediately and alert them that there may have been an unauthorized transaction. You can also file a complaint with the Federal Bureau of Investigation’s Internet Crime Complaint Center at www.ic3.gov .

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    Common payment methods used by scammers

    Never send money to someone you don’t know. Scammers use a variety of ways to collect money from you, including:

    • Wire transfers
    • Money transfers
    • P2P (peer-to-peer or person-to-person) payment services and mobile payment apps
    • Gift cards
    • Cryptocurrency

    Learn more about common frauds and scams

    Suspect a scam? Report it!

    Contact your local police or sheriff’s office and your state attorney general.

    Report consumer scams to the Federal Trade Commission

    You can also report scams involving the internet, such as scams involving mobile payment apps, to the FBI’s Internet Crime Complaint Center at www.ic3.gov .

    Learn about more steps you can take right away to report a scam or fraud.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html new file mode 100644 index 000000000000..14292d6ccb38 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html @@ -0,0 +1,1477 @@ + + + + + + + What are specialty consumer reporting agencies and what kind of information do they collect? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What are specialty consumer reporting agencies and what kind of information do they collect? +

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    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry.

    Reports may be compiled from your history of:

    You might not know these reports exist unless you run into a problem, such as not getting a job, lease, insurance, or checking account, or when a utility or cell phone company asks you to put down a deposit before starting service with you.

    Just like with the big three consumer reporting companies, you can get free copies of your reports every 12 months from many of the specialty consumer reporting companies. Other specialty consumer reporting companies may be able to charge you a fee for your report. Keep in mind that not every consumer reporting company will have information on everyone. You have to request the reports individually from each company.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/index.html new file mode 100644 index 000000000000..0c2e2bcec902 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/index.html @@ -0,0 +1,1476 @@ + + + + + + + What are the costs and fees for a payday loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What are the costs and fees for a payday loan? +

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    Payday loans generally charge a percentage or dollar amount per $100 borrowed. 

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    The amount of this fee might range from $10 to $30 for every $100 borrowed, depending on your state law and the maximum amount your state permits you to borrow. A fee of $15 per $100 is common. This equates to an annual percentage rate of almost 400% for a two-week loan. So, for example, if you need to borrow $300 before your next payday, it would cost you $345 to pay it back, assuming a fee of $15 per $100.

    Rollovers. If you are unable to pay when your loan is due and your state law permits rollovers, the payday lender may allow you to pay only the fees due and then the lender extends the due date of your loan. You will then be charged another fee and still owe the entire original balance. Using the above example, if you pay a renewal or rollover fee of $45 you would still owe the original $300 loan and another $45 fee when the extension is over. That’s a $90 charge for borrowing $300 for just four weeks.

    Repayment Plans. Some state laws require payday lenders to offer extended repayment plans to borrowers who experience difficulty in repaying payday loans. These laws vary by state, and may or may not permit or require a fee for using a repayment plan.

    If your state requires a lender to offer an extended repayment plan, you may be able to get additional time to repay your loan without any additional costs or fees. This means that you can pay off your loan rather than borrowing again, incurring more fees, and getting further behind in debt.

    Late fees. In addition, if you don’t repay the loan on time, the lender might charge a late or returned check fee, depending on state law. Your bank or credit union may also impose an “NSF” or non-sufficient funds charge if your check or electronic authorization is not paid due to a lack of funds in your account.

    Prepaid debit card. If your loan funds are loaded onto one of these cards, there might be other fees. There could be fees to add the money to the card, fees for checking your balance or calling customer service, fees each time you use the card and/or regular monthly fees.

    Be sure to read the loan agreement carefully to spot all of the fees and costs before you take out a loan. If you have questions about your state law, you might find more information on the website of your state regulator or state attorney general .

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html b/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html new file mode 100644 index 000000000000..3b1ff4c7e8ef --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html @@ -0,0 +1,1567 @@ + + + + + + + What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? +

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    If you believe you already paid the debt, do not owe the debt, the amount is incorrect, or that it's not even your debt, you may send a written request to the debt collector to dispute the debt or receive more information.

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    If a debt collector contacts you about a debt you may or may not owe, don’t ignore or avoid a debt collector. Debt collectors are, in general, required by law to tell you certain information about the debt, and this information – also known as validation information or a validation notice – can help you learn more about the debt and dispute it if you don’t think that you owe it.

    Validation information must include:

    • The name of the creditor
    • The amount owed
    • That you can dispute the debt and that if you don’t dispute the debt within 30 days the debt collector will assume the debt is valid
    • That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt
    • That if you request the name and address of the original creditor within 30 days (if different from the current creditor), the debt collector will provide you that information.

    The CFPB also has sample letters to help you know how best to respond to a debt collector based on your situation. Note: The CFPB’s sample letters are not legal advice.

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    If you don’t think you owe the debt

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    Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don’t believe that you owe it. If you receive a validation notice, the end date of the 30-day period will be specified.

    Once you’ve disputed the debt, the collector can’t call or contact you to collect the debt until they’ve responded with verification of the debt.

    You can also request that the debt collector give you the name and address of the original creditor, if different from the current creditor. If you make that request in writing within 30 days, the debt collector has to stop all debt collection activities until it provides you that information.

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    If you’ve already paid the debt

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    If a debt collector contacts you about a debt you’ve already paid, let them know that you paid the debt by providing confirmation of your payments – but make sure first that you’re confident it’s not a scam.

    If you’re sure that you’re talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt. Don’t send original documents – only copies – so you can keep the originals as proof.

    If you don't have documentation of your payments or letters saying you've paid off the debt, you can contact the creditor who you originally paid to get this information.

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    Keep good records of your communications with a debt collector

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    It is a good idea to keep a file of all letters or documents a debt collector sends you and copies of anything you send to a debt collector. Also, write down dates and times of conversations, along with notes about what you discussed. These records can help you if you have a dispute with a debt collector, meet with a lawyer, or go to court.

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    Keep proof that you sent your dispute to the debt collector

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    If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. It's also generally a good idea to send the dispute by certified mail. If you pay for a "return receipt," you'll have proof the debt collector received your mail.

    Learn more about what to do when a debt collector contacts you.

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    + What can I do if I can’t repay my payday loan? +

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    If you’re having trouble repaying your payday loan, you might be able to ask your lender for an extended repayment plan.

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    An extended repayment plan lets you repay the loan in smaller installments over a longer period of time. Whether you can get an extended repayment plan will depend on your state law or on the payday lender’s policy. This repayment plan may be offered for free or it might carry an additional fee.

    If you still have trouble making payments, or are not given the option of an extended repayment plan, there are other resources that may be able to help you. For example, you may wish to speak with a credit counselor in your area or contact a legal aid attorney to discuss your options. If you are a servicemember, contact your local Judge Advocate General’s (JAG) office to learn more. You can use the JAG Legal Assistance Office locator to find help. You can also ask your installation financial readiness office for information.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html b/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html new file mode 100644 index 000000000000..7708340d8b09 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html @@ -0,0 +1,1521 @@ + + + + + + + What do I do if I’ve been a victim of identity theft? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What do I do if I’ve been a victim of identity theft? +

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    If you are a victim of identity theft, place fraud alerts or security freezes on your credit reports, file a report at IdentityTheft.gov, and take steps to protect your credit history and finances.

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    Closing accounts and contacting the police

    If you are currently dealing with identity theft, there are important steps you can take right away—including closing your accounts and reporting the identity theft to the police. Visit the Department of Justice and IdentityTheft.gov to learn more.

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    Protecting your credit

    Contact any one of these three nationwide credit reporting companies Equifax , Experian , or Transunion to place fraud alerts and security freezes on your credit reports:

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    OnlineBy callingBy mail

    Equifax Alerts

    (800) 685-1111

    Equifax Consumer Fraud Division,
    PO Box 740256,
    Atlanta, GA 30374

    Experian Fraud Center

    (888) 397-3742

    Experian,
    P.O. Box 9554,
    Allen, TX 75013

    Transunion Fraud Alert

    (888) 909-8872

    TransUnion Fraud Victim Assistance Department,
    P.O. Box 2000,
    Chester, PA 19016

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    Fraud alerts

    A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before they open a new account, issue an additional card, or increase the credit limit on an existing account based on a consumer's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others.

    There are two main types of fraud alerts: initial fraud alerts and extended alerts. Servicemembers also have the option of an active-duty alert.

    Initial fraud alerts

    You can place an initial fraud alert on your credit report if you believe you are, or are about to become, a victim of fraud or identity theft. Credit reporting companies will keep that alert on your file for one year. After one year, the initial fraud alert will expire and be removed. You have the option to place another fraud alert at that time.

    When you place an initial fraud alert, creditors must take reasonable steps to make sure the person making a new credit request in your name is you before granting that request. If you provide a telephone number, the creditor must call you or take reasonable steps to verify whether you are the person making the credit request before granting the credit.

    When you place an initial fraud alert on your file, you're entitled to order one free copy of your credit report from each of the nationwide credit reporting companies. These free reports do not count as your free annual report from each credit reporting company.

    Extended alerts

    If your identity has been stolen and you have filed an identity theft report at IdentityTheft.gov , you can place an extended alert on your credit report.

    An extended alert is good for seven years. If you have an extended alert, a creditor must contact you in person, on the telephone, or through another contact method you choose to verify if you are the person making the credit request before extending new credit.

    When you place an extended fraud alert on your file, you're entitled to order two free copies of your credit report from each nationwide credit reporting company over a 12- month period. Your name will also be removed for five years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

    Active-duty alerts

    Servicemembers in the armed forces have an additional option available to them: active-duty alerts, which protect servicemembers while they are on active duty and assigned away from their usual duty station. This alert requires businesses to take reasonable steps to verify your identity before issuing credit in your name. These alerts last for 12 months, unless you request that the alert be removed sooner. If your deployment lasts longer than 12 months, you may place another alert on your credit file.

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    When you place an active-duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is you before they open an account, issue an additional credit card on an existing account, or increase the credit limit on your existing account. Your name will also be removed for two years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

    Since it may be very difficult to contact you directly if you are deployed, you can assign a personal representative to answer for you, or to place or remove an active-duty alert.

    Security freezes

    Under federal law, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. A security freeze, also called a credit freeze, stops new creditors from accessing your credit file until you lift the freeze. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes.

    Unlike fraud alerts, if you place a security freeze with one credit reporting company, they will not notify the other credit reporting companies. You must contact each credit reporting company individually if you would like to place a security freeze with all three nationwide credit reporting companies.

    Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn't prevent identity thieves from taking over existing accounts.

    Blocking or removing fraudulent information from your consumer report

    If you’ve been a victim of identity theft, you can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. To do this, you must send the credit reporting companies:

    • An identity theft report, which can be done through IdentityTheft.gov
    • Proof of your identity
    • A letter identifying the fraudulent debts and information on your credit report

    Through IdentityTheft.gov , you can also get a sample letter to send to the credit reporting companies. Remember that you can use identity theft reports only for debts that are the result of identity theft. Credit reporting companies may decline to block or rescind a block if you make a material misrepresentation of fact about being a victim of identity theft or if you got goods, services, or money as a result of the blocked transaction.

    Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors can’t turn identity theft-related debts over to debt collectors.

    If you need to dispute a debt that is not the result of identity theft, read “How do I dispute an error on my credit report?”

    If you have a problem with credit reporting, you can submit a complaint to the CFPB.

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    + What happens if my car is repossessed? +

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    You have certain rights and protections if you’re at risk of or have had your car repossessed.

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    Losing a car to repossession can be financially and emotionally difficult. However, you do have certain rights and protections if your car has been repossessed because you were unable to make your car payments.

    Auto loan servicers must ensure that every repossession is lawful. If you believe your repossession is an error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    Being notified before your car is repossessed

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    In many states, a lender can repossess a vehicle – without a warning or a court order – after you’ve missed payment, but other states require lenders or servicers to send you a notice before repossession, alerting you to what payments have been missed and allowing you time to make them up.

    If you’re an active-duty servicemember, the Servicemember Civil Relief Act (SCRA) prohibits repossessions without a court order for any auto loan contracts or agreements you entered into before your military service.

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    “Breaching the peace” during repossession

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    Under some state laws, a lender can’t repossess a vehicle unless they can do it without “breaching the peace,” which generally means:

    • Threatening or using physical force
    • Removing a vehicle from a closed garage without permission
    • Continuing with repossession after you have resisted or refused to allow the repossession

    If the lender commits a breach of the peace, you can contact law enforcement. A breach of the peace may also give you a claim for damages or a defense, which may lessen the amount you eventually owe after the sale of the vehicle.

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    Getting access to your belongings

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    It’s not unusual for people to have belongings stored in their cars when they’re repossessed. Contact your lender right away to arrange a time to retrieve your property.

    It is important to document what items you left in the vehicle and their estimated value. If the lender or repossessing company demands payment for return of your property, you should consult an attorney. In a public enforcement action, the Bureau found that an entity engaged in an unfair act or practice by withholding consumers’ personal property unless the consumers paid an upfront fee to recover the property. You can also file a complaint with your state attorney general or consumer protection office .

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    How a repossession affects your credit

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    Falling behind on car payments affects your credit, and this can make it harder or more expensive to get loans in the future. A repossession could also stay on your credit reports for up to seven years. Repossession can also mean paying higher insurance rates.

    If the repossession was in error, you can dispute it with the credit reporting companies to have it removed.

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    Catching up on your loan

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    In some states, laws grant you the right to pay to get your vehicle back after it’s been repossessed. These laws usually provide a time period when you can make up any overdue payments, as well as pay the additional costs associated with repossession. This process is referred to as curing or reinstating your loan.

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    Your rights if your vehicle is being sold

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    Even if you don’t live in a state with laws that allow you to cure or reinstate your loan, you have certain rights after your vehicle has been repossessed. You have the right to be notified before your vehicle is sold or kept as compensation for your debt. This gives you the opportunity to buy it back.

    For a public sale, your lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale, the lender must notify you of the date when your vehicle could be sold. Regardless of whether it’s a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount, plus the repossession costs, before the sale. This is sometimes referred to as redemption.

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    Additional protections and costs around repossession

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    Even though you no longer have the vehicle, you may still be responsible for certain costs. Here’s what you need to know.

    Paying for repossession

    If your car has been repossessed, your lender generally charges a fee for picking it up. This fee, however, must be reasonable.

    What constitutes reasonable is generally determined by a court and depends on the type of vehicle taken, how it was taken, and where it was taken. You can ask your lender to provide a list of the repossession costs.

    Paying the deficiency balance or receiving the surplus

    If your vehicle is repossessed and sold, you may be responsible for paying the difference between the amount left on your loan, plus repossession fees, and the sale price. This is known as a “deficiency balance.” Similarly, if the car is sold for more than what you owe, you’re entitled to receive the surplus.

    Lenders must sell the car in a commercially reasonable manner, and it can be important for you to know how much it’s sold for. You can consult an attorney if you think the sale price in repossession was unreasonable.

    For example, if you owe $10,000 on the vehicle and your lender sells it for $7,500, you owe the deficiency of $2,500, plus any other fees for repossession. If you don’t pay the balance, the lender is allowed to hire a debt collector to collect it.

    Alternatively, in this example, if the car is sold for $12,000, you are entitled to receive the money above the amount you owe (after fees are paid).

    You could also have other rights under your state law, and you can find more information through your state attorney general and state consumer protection office or by consulting with a private attorney or your local legal services office.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html b/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html new file mode 100644 index 000000000000..17de5f1bd97e --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html @@ -0,0 +1,1477 @@ + + + + + + + What happens if the company that I send my mortgage payments to changes? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What happens if the company that I send my mortgage payments to changes? +

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    The company that you send your monthly mortgage payments to is your mortgage servicer. Your servicer can change.

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    Your mortgage servicer may transfer the mortgage servicing rights for your loan to another company to service your loan.

    If your mortgage servicing rights are transferred to a new servicer, you will need to start sending your monthly payments to the new servicer after a certain date. You will also need to direct any questions about your loan to the new servicer.

    You should be notified of the transfer before it happens

    Your old and new servicers generally must send you a notice telling you about the transfer of the servicing rights to your loan. Your old servicer generally should send this notice at least 15 days before your loan’s servicing rights are transferred to the new servicer. Your new servicer generally should send a notice to you within 15 days after the servicing rights for your loan are transferred unless it was combined with the first notice. The notice(s) should tell you:

    • The date on which your old servicer will stop accepting payments
    • The date on which your new servicer will begin to accept payments
    • The new servicer’s name and their contact information
    • The specific date the right to service your loan transferred to the new servicer

    Make sure to send your payments to the new servicer

    If you send your payments to the wrong servicer after you’ve been notified of the servicing transfer, your payments may not be credited properly. Here’s what to do:

    • Pay attention to the date you need to start sending your payments to the new servicer. Be sure to account for additional time if you send your mortgage payments by mail.
    • If you authorize your bank’s or credit union’s online bill payment system to automatically pay your mortgage payment, you will need to tell your bank or credit union to make those payments to the new servicer. Learn more in our blog about automatic debit payments.
    • Carefully review your monthly mortgage statement to confirm that your payments are being credited accurately.

    Additionally, for 60 days from the date your loan servicing transfers, your new servicer cannot charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period.

    Issues related to servicing transfers

    If you’re having issues with your mortgage because your servicer has changed, you may want to send both your old and new servicers an information request or a notice of error. For example, you should send a notice if:

    • You never received a notice of transfer
    • You think your payments are not being applied correctly
    • You had an application for loss mitigation with your old servicer and your new servicer isn’t working with you on that application
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    + What is a debt collector and why are they contacting me? +

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    A debt collector is generally a person or company that regularly collects debts owed to others or who has the primary purpose of collecting debts. They’re likely contacting you because they’re trying to reach a person who may owe a specific debt.

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    Debt collectors can include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These companies are also often called debt collection agencies, debt collection companies, or debt buyers.

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    Why is a debt collector calling me?

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    A debt collector may be trying to contact you because:

    • A creditor believes you are past due on a debt. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector.
    • A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the consumer owes any debt.
    • A debt buyer has bought the debt and is now collecting that debt themselves or by using other debt collectors.

    If the debt collector is contacting you for payment on a debt, there is certain information they usually must give you in the initial communication or within five days of that initial communication.

    If you don’t believe you owe the debt or believe the amount is wrong, you can dispute it with the debt collector and the credit reporting company, if the debt appears on your credit report. If you dispute the debt in writing within 30 days of receiving the required information about the debt from the collector, then the debt collector must send you verification of the debt. You can also ask the debt collector for additional information.

    Learn more about what to do if a debt collector contacts you

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    Getting a debt collector to stop calling you

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    You can ask a debt collector to stop contacting you. Asking them to stop contacting you will not necessarily stop them from suing you or reporting the debt to a credit reporting company, which can affect your credit report and credit scores. If you don’t owe the debt or have already paid the debt, it is important to take action to contest the attempt to collect the debt.

    If you're having issues with debt collection, you can submit a complaint with the CFPB

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    + What is a fiduciary? +

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    A fiduciary is someone who manages money or property for someone else. When you’re named a fiduciary and accept the role, you must – by law – manage the person’s money and property for their benefit, not yours.

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    If a family member or friend wants to name you their fiduciary to help them manage their money or property in case they’re unable to, they could do so through a power of attorney (POA). If you choose to accept this role and act on their behalf, you are required to follow the instructions and perform in accordance with the terms of the POA.

    There are also other types of fiduciaries, including guardians or conservators of property, trustees, Social Security representative payees, and VA fiduciaries.

    As a fiduciary, you have four basic duties:

    1. Act only in their best interest. Because you are dealing with someone else’s money and property, your duty is to make decisions that are best for them, not you.
    2. Manage their money and property carefully. You will have important financial responsibilities and must carry them out with care. You might pay bills, oversee bank accounts, and pay for things they need. You might also make investments, pay taxes, collect rent or unpaid debts, and get insurance for them, if needed.
    3. Keep their money and property separate. Never mix their money or property with your own or someone else’s. Confused records can get you in trouble with government agencies, like adult protective services, and the police.
    4. Keep good records. You must keep true and complete records of their money and property, or you could face legal consequences.

    For more information on your role as a fiduciary, check out our guides to managing someone else’s money.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html new file mode 100644 index 000000000000..50eff9041f05 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html @@ -0,0 +1,1467 @@ + + + + + + + What is a HUD-approved housing counseling agency, and how can they help me? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a HUD-approved housing counseling agency, and how can they help me? +

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    A housing counselor though a HUD-approved agency is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage. 

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    HUD stands for the Department of Housing and Urban Development. It’s a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. Because of this, you can have confidence that a trained housing counselor is well equipped to help you understand and evaluate your options.

    HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge. They can also help you talk to your mortgage servicer and understand any options your servicer has offered. A housing counselor can also help you learn about the homebuying process.

    How to find a HUD-approved housing counseling agency

    There are different ways to find a trained housing counselor: 

    • Use the CFPB's Find a Counselor tool to get a list of HUD-approved counseling agencies in your area.
    • Call the HOPE Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).
    • Call the CFPB at (855) 411-CFPB (2372) to be connected to a housing counselor over the phone.

    What happens when you call a housing counselor

    If you’re calling because you’re having trouble paying your mortgage, the housing counselor will ask you for information about your mortgage loan, such as the amount you owe and the date of your last payment. This information is generally on your last mortgage loan statement. The housing counselor may also ask for information about your pay stubs, tax returns, recent bank statements, and other bills you pay each month, such as car loans and credit cards. The counselor is asking for this information to understand your financial situation and how much you can afford for a monthly mortgage payment. 

    If you’re having trouble paying your mortgage

    A housing counselor at a HUD-approved agency can't promise that you will get to keep your home. They will help you look at your options and make a decision that’s right for you.

    If you are facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/index.html new file mode 100644 index 000000000000..2d1e7aae7e21 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/index.html @@ -0,0 +1,1476 @@ + + + + + + + What is a payday loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a payday loan? +

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    While there is no set definition of a payday loan, it is usually a short-term, high cost loan, generally for $500 or less, that is typically due on your next payday. Depending on your state law, payday loans may be available through storefront payday lenders or online.

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    Some common features of a payday loan:

    • The loans are for small amounts, and many states set a limit on payday loan size. $500 is a common loan limit although limits range above and below this amount.

    • A payday loan is usually repaid in a single payment on the borrower’s next payday, or when income is received from another source such as a pension or Social Security. The due date is typically two to four weeks from the date the loan was made. The specific due date is set in the payday loan agreement.

    • To repay the loan, you generally write a post-dated check for the full balance, including fees, or you provide the lender with authorization to electronically debit the funds from your bank, credit union, or prepaid card account. If you don’t repay the loan on or before the due date, the lender can cash the check or electronically withdraw money from your account.

    • Your ability to repay the loan while meeting your other financial obligations is generally not considered by a payday lender.

    • The loan proceeds may be provided to you by cash or check, electronically deposited into your account, or loaded on a prepaid debit card.

    Other loan features can vary. For example, payday loans are often structured to be paid off in one lump-sum payment. Some state laws permit lenders to “rollover” or “renew” a loan when it becomes due so that the consumer pays only the fees due and the lender extends the due date of the loan. In some cases, payday loans may be structured so that they are repayable in installments over a longer period of time. 

    Cost of a payday loan

    Many state laws set a maximum amount for payday loan fees ranging from $10 to $30 for every $100 borrowed. A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400 percent. By comparison, APRs on credit cards can range from about 12 percent to about 30 percent. In many states that permit payday lending, the cost of the loan, fees, and the maximum loan amount are capped.

    The laws in your state may permit, regulate, or prohibit these loans

    Some states do not have payday lending because these loans are not permitted by the state’s law or because payday lenders have decided not do to business at the interest rate and fees permitted in those states. In states that do permit or regulate payday lending, you may be able to find more information from your state regulator or state attorney general .

    Protections for servicemembers

    There are special protections through the federal Military Lending Act (MLA) for active duty servicemembers and their dependents. Those protections include a cap of 36 percent on the Military Annual Percentage Rate (MAPR) as well as other limitations on what lenders can charge for payday and other consumer loans. Contact your local Judge Advocate General’s (JAG) office to learn more about lending restrictions. You can use the JAG Legal Assistance Office locator to find help.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html new file mode 100644 index 000000000000..730d1a8a04a6 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html @@ -0,0 +1,1545 @@ + + + + + + + What is a remittance transfer and what are my rights? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a remittance transfer and what are my rights? +

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    Federal law defines “remittance transfers” as most electronic money transfers from people in the United States who used “remittance transfer providers” to send money to recipients abroad.

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    Under federal law, remittance transfers generally describe electronic transfers of more than $15, sent by consumers in the United States to people or companies in foreign countries through a remittance transfer provider. Common terms for remittance transfers include “international wires,” “international money transfers,” and “remittances.”

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    Certain federal protections apply if you send money abroad

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    Under federal law, many money transmitters, a number of banks and credit unions, and possibly other types of financial services companies qualify as “remittance transfer providers.” According to the law, a remittance transfer provider is any entity that provides remittance transfers for a consumer in the normal course of its business.

    A company is not a remittance transfer provider if it provided 500 or fewer remittance transfers in the prior calendar year and provides 500 or fewer transfers in the current calendar year. If you use such a company to send a money transfer, then federal law does not require them to provide you with the following protections.

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    The right to receive certain information about your remittance transfer

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    Remittance transfer providers must generally provide you with certain information before and after you pay for a remittance transfer. This includes information about:

    • Fees and taxes they collect from you.
    • The exchange rate that applies to the transfer, if applicable.
    • Fees charged by the company’s agents abroad and certain other institutions involved in the transfer process.
    • The amount of money expected to be delivered, not including foreign taxes or certain fees charged to you by your financial institution.
    • If applicable, a statement that additional foreign taxes and fees may be deducted from the remittance transfer.

    You also must receive information about when the money will be available, instructions on your right to cancel transfers, what to do in case of an error, and how to submit a complaint.

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    The right to cancel a money transfer

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    After paying, you will typically have up to 30 minutes to cancel the remittance transfer at no charge, unless the transfer has already been picked up or deposited into the recipient’s account.

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    The right to resolve mistakes

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    You have 180 days to notify the remittance provider of a mistake, starting from the date disclosed by the remittance transfer provider as the date when the money will be available. Remittance transfer providers must investigate notices of error. Even though you have up to 180 days to report the mistake, if you think a mistake was made promptly contact the company. Remittance transfer providers generally have 90 days to investigate the matter and they must notify you of the investigation’s results. For certain types of errors, such as if the money never arrives, you may be able to get a refund or have the transfer resent.

    Other protections may be available to you, depending on how you send the money and the laws in your state.

    Learn more about money transfers.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/index.html new file mode 100644 index 000000000000..f75e110dc0d9 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/index.html @@ -0,0 +1,1539 @@ + + + + + + + What is a reverse mortgage? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a reverse mortgage? +

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    A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older.

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    This information only applies to Home Equity Conversion Mortgages (HECMs), which are the most common type of reverse mortgage loans.
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    A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don’t make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.

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    How does a reverse mortgage get paid back?

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    With a reverse mortgage loan, the amount the homeowner owes to the lender goes up–not down–over time. This is because interest and fees are added to the loan balance each month. As your loan balance increases, your home equity decreases.

    A reverse mortgage loan is not free money. It is a loan where borrowed money + interest + fees each month = rising loan balance. The homeowners or their heirs will eventually have to pay back the loan, usually by selling the home.

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    How do I watch out for scams related to reverse mortgages?

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    Contractor scams

    Beware of contractors who approach you about getting a reverse mortgage loan to pay for repairs to your homes. It may be a scam. Don’t let yourself be pressured into getting a reverse mortgage loan.

    Scams targeting veterans

    The Department of Veterans Affairs (VA) does not offer any reverse mortgage loans. Some mortgage ads falsely promise veterans special deals, imply VA approval, or offer a “no-payment” reverse mortgage loan to attract older Americans desperate to stay in their homes.

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    How do I cancel a reverse mortgage using the right of rescission?

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    With most reverse mortgages, you have a three-day right to cancel a reverse mortgage. Within three business days after the loan is closed, you can cancel the deal for any reason, without penalty. This is known as your right of “rescission.”

    To cancel, you must notify the lender in writing. Send your letter by certified mail, and ask for a return receipt so that you have documentation of when you sent and when the lender received your cancellation notice. Keep copies of any communications between you and your lender. After you cancel, the lender has 20 days to return any money you’ve paid for the financing of the reverse mortgage loan. If you believe there is a reason to cancel the loan after the three-day period, seek legal help to see if you have the right to cancel.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html new file mode 100644 index 000000000000..aadbdd64f4c5 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html @@ -0,0 +1,1562 @@ + + + + + + + What is an unfair, deceptive or abusive practice by a debt collector? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is an unfair, deceptive or abusive practice by a debt collector? +

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    Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt.

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    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including:

    • Misrepresenting the nature of the debt, including the amount owed
    • Falsely claiming that the person contacting you is an attorney
    • Threatening to have you arrested
    • Threatening to do things that can’t legally be done or threatening to do things that the debt collector has no intention of doing.
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    Examples of unfair practices

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    Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to:

    • Try to collect charges in addition to the debt unless they are allowed by the contract or law
    • Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the person’s social media contacts
    • Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies
    • Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collector’s address or business name that doesn’t indicate it’s in the debt collection business
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    Examples of false or deceptive statements

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    Debt collectors are not allowed to falsely claim or imply that:

    • They are attorneys or government representatives
    • You have committed a crime by not paying a debt
    • They operate or work for a credit reporting company
    • You will be arrested or imprisoned if you don’t pay
    • They will garnish or seize your wages, bank account, or property
    • Documents that they send you are legal documents if they aren’t
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    Examples of harassment by a debt collector

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    A debt collector is also not allowed to harass, oppress, or abuse you or anyone else they contact. This includes repetitious phone calls with the intent to harass, use of obscene or profane language, and threats of violence or harm.

    Learn more about what’s considered an abusive practice

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    What to do if you think a debt collector violated the law

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    If you believe a debt collector is using an unfair, deceptive or abusive practice to collect a debt, you can submit a complaint with the CFPB and the Federal Trade Commission .

    There are also state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices. You can report the incidents to your state's attorney general .

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-move-my-checking-account-to-another-bank-or-credit-union-en-985/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-move-my-checking-account-to-another-bank-or-credit-union-en-985/index.html new file mode 100644 index 000000000000..8076a9c73365 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-move-my-checking-account-to-another-bank-or-credit-union-en-985/index.html @@ -0,0 +1,1485 @@ + + + + + + + What is the best way to move my checking account to another bank or credit union? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is the best way to move my checking account to another bank or credit union? +

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    + When moving your checking account to a new bank or credit union, open the new account first and update any automatic transactions, direct deposit, or payment paperwork. +
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    If you decide to move your checking account to another bank or credit union, here’s how to make the transition a little smoother:

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    • Open the new account first.
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    • List all the automatic deposits and withdrawals scheduled to go in and out of your old account each month. Be sure to include any bills you have authorized to be paid directly from your checking account, such as utility bills or credit card bills.
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    • If you have direct deposit, fill out the papers directing your employer to reroute your paychecks to your new account. Do the same for any other direct deposit, such as Social Security payments.
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    • Find out the date your direct deposits will transfer. Once you know the date of the first direct deposit, arrange for your automatic debits and withdrawals to be made from your new account and be sure to cancel them from your old account.
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    • Leave enough money in your old checking account to cover any checks that haven’t cleared or automatic payments that haven’t been made to avoid any fees.
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    • Once you’re certain all direct deposits and automatic payments are coming in to and going out of your new account, transfer the remaining funds from your old checking account into your new account. You can do this fastest electronically or by using a cashier’s check. Using a personal check may be cheaper than using a cashier’s check, but there may be a longer wait before it is available in your new account.
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    • Once the transfer clears your new account, close the old account. Get written confirmation that the account has been closed.
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    + What is the difference between a credit report and a credit score? +

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    Your credit reports and your credit scores are two different things. A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Your credit scores are calculated based on the information in your credit report.

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    Your credit score, as well as the information on your credit report, are important for determining whether you’ll be able to get a mortgage, credit card, auto loan, or other credit product, and the rate you’ll pay. Your credit scores are calculated based on the information in your credit report.

    You have many different credit scores, and there are many ways to get a credit score. Your score can differ depending on which credit reporting agency provided the information, the scoring model, the type of loan product, and even the day when it was calculated. Higher scores reflect a better loan paying history and make you eligible for lower interest rates.

    Errors on your credit report can reduce your score artificially - which could mean a higher interest rate and less money in your pocket - so it is important to check your credit report and correct any errors well before you apply for a loan.

    You have many different credit scores infographic

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    + What is the difference between a fixed APR and a variable APR? +

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    The difference between a fixed APR and a variable APR, is that a fixed APR does not fluctuate with changes to an index. A variable-rate APR, or variable APR, changes with the index interest rate.

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    A fixed-rate APR or fixed APR sets an APR that does not fluctuate with changes to an index. This does not mean that the interest rate will never change, but the issuer generally must notify you before the change occurs, and in most circumstances can apply the higher rate only to purchases and other transactions you make after you get the notice.

    A variable-rate APR or variable APR changes with the index interest rate, such as the prime rate published in the Wall Street Journal. The cardholder agreement will say how a card’s APR can change over time.

    You should be able to find a copy of the agreement on your card issuer’s website, and you can request a copy from your card issuer if it is not there. If you have any questions, you should contact your card issuer.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/index.html new file mode 100644 index 000000000000..c6308c8c8192 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/index.html @@ -0,0 +1,1572 @@ + + + + + + + What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? +

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    Credit counseling organizations are usually nonprofits that advise and educate you on managing your money and debts. Debt settlement companies, debt consolidation lenders, and credit repair companies are typically for-profit companies that promise to fix your credit and debts and charge you money for taking actions you can do yourself for free.

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    Credit counseling

    Credit counseling organizations are usually nonprofit organizations that advise you on managing your money and debts. They usually offer free educational materials and workshops. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

    Credit counselors can work with you to set up a debt management plan (also called a payment plan) for all your debts. They can’t erase your debts. Under a debt management plan, you make a single payment to the credit counseling organization each month or pay period. The credit counseling organization then makes monthly payments to your creditors. Credit counseling organizations are permitted to charge you fees for their services.

    Under debt management plans, credit counselors do not always negotiate reductions in the amounts you owe. Instead, they work to lower your overall monthly payment. They might get the creditor to lengthen the time you have to repay a loan. They might also get the creditor to lower the interest rates. The arrangement usually does not affect your taxes.

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    How do I recognize a credit counselor?

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    • Usually works for a nonprofit organization
    • Advises you on managing your money and debts
    • Helps you set a up budget for your repayments
    • Sets up a payment plan with your creditors, including getting the creditors to agree not to pursue collection efforts or charge late fees while on the plan
    • Works to lower your overall monthly payment, rather than trying to negotiate reductions in the amounts you owe
    • Never advises you to stop paying your debt
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    Debt settlement

    Debt settlement companies offer to remove your debts to lenders or debt collectors for a fee. They typically offer to pay off your debts with lump sum payments that you have to save up before a settlement. Under the law, money you save up in an account for use by a debt settlement company still belongs to you. The account must be administered by an independent third party and must be under your control. You are entitled to withdraw funds held in that account at any time without penalty. In practice, many debt settlement companies collect money from you and consider it fees you paid to them, instead of money they should be using to settle your debts.

    Before you start working with a debt settlement company

    • Many lenders do not negotiate with debt settlement companies.
    • Many lenders and debt collectors do not negotiate a settlement amount for your individual situation—instead, they have standard policies about how much loan principal can be forgiven when you haven't made payments for a certain amount of time.
    • Debt settlement companies usually can't get better terms than you could get by negotiating with your lenders and debt collectors yourself.
    • Debt settlement companies cannot guarantee the amount of money or percentage of debt that you might save by using their services, and they cannot guarantee how long the process takes.
    • Debt settlement companies cannot erase all your debts.
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    How do I recognize a debt settlement company?

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    • Usually a for-profit company that charges a fee for their services
    • Offers to arrange settlements of your debts with lenders or debt collectors
    • Generally has no up-front agreements with lenders
    • Typically offers to pay off your debts with a lump sum payment
    • Usually advises you to stop paying your creditors until a debt settlement is negotiated with creditors, even though this can mean fees and interest charges keep adding up, your credit is further damaged, and you are left open to more debt collection efforts and lawsuits
    • Tries to get some of your debts forgiven, which could mean you owe taxes on the amount forgiven
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    Beware of debt settlement companies that charge upfront fees. A debt settlement company could be breaking laws if they charge you a fee before three things happen:

    1. A successful result is reached. The debt settlement company must have renegotiated, settled, reduced, or otherwise changed the terms of at least one of your debts.
    2. An agreement is made between you and the creditor or debt collector. You must agree to the settlement agreement, debt management plan, or other result reached by the debt settlement company with your creditor or debt collector.
    3. You have made a payment to the creditor. You must have made at least one payment to the creditor or debt collector as a result of the agreement negotiated by the debt settlement company.

    If you simply cannot afford to pay what you owe, you could consider filing for bankruptcy. Consult a bankruptcy attorney to find out more about how this process works.

    Debt consolidation lenders

    Debt consolidation loans can be offered by banks, credit unions, and other lenders. A debt consolidation loan is money you borrow to repay all your separate loans and pay back just one amount. You pay back the debt consolidation loan over time. This simplifies the number of payments you have to make. The debt consolidation loan might have a lower interest rate than what you’re paying on your debts.

    Before you take out a debt consolidation loan

    • Keep in mind that a low interest rate could be a “teaser rate” that applies only for a limited time.
    • After the teaser rate expires, your payments could go up because your lender can increase the interest rate.
    • Although your monthly debt payment might be lower, it could be because you’re paying over a longer time.
    • Taking the loan’s length of time, fees, and costs into account, overall you might pay more for the convenience of a consolidated loan than you would have had to pay for your original debt payments.

    Credit repair

    Credit repair companies make promises to fix your credit or improve your scores, typically by doing things you can do yourself for free. They often use advertising and social media promotions. They operate usually by noting negative items on your credit report and then sending disputes to consumer reporting companies, including the three nationwide credit reporting companies (Equifax, Experian, and TransUnion). The reporting company has an obligation to contact the creditor to verify the negative item. If the creditor does not respond within 30 days, the information is removed from your credit report.

    There is a catch, however. If the reporting company decides that the dispute is “frivolous,” it does not have to investigate. This can happen if the reporting company gets multiple requests or requests that seem formulaic, which sometimes fits the profile of a credit repair company.

    The only time you should dispute information is when it’s inaccurate. But credit repair companies typically dispute accurate items on your report, too. This could mean accurate items disappear temporarily while the credit reporting company verifies the information. After the item is verified, it reappears on your credit report. Your credit scores could change—and then change back—because of these actions.

    Negative items that are accurate remain on your credit report for the appointed timeline. Negative information such as collections, charge-offs, judgments, and accounts reported late during the loan’s term remain on the credit report for seven years from the last activity or first delinquency date. Items are removed from the credit report once the seven years are up.

    Before you start working with a credit repair company

    • Keep in mind that there are no shortcuts to achieving a strong credit history or high credit scores.
    • Consumer reporting companies, including the three nationwide credit reporting companies, remove negative items on your reports once they are found to be inaccurate or incomplete, or if they cannot be verified—whether the negative items are disputed by you or a credit repair company.
    • You can dispute mistakes in your credit reports yourself, for free.
    • Errors on your reports can be investigated and resolved, but credit repair companies cannot legally get information removed if it is accurate and timely.
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    How do I recognize a credit repair company?

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    • Usually a for-profit company that charges a fee for their services
    • Often promises a quick increase in your credit scores
    • Offers to remove negative items from your consumer reports, including credit reports generated by the three nationwide reporting companies (Experian, Equifax, and TransUnion)
    • Often charges a monthly fee, which they justify by disputing the same negative items on your credit reports over and over
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    Beware of monthly subscription fees. Many credit repair companies use telemarketing to sell their services. By law, a credit repair company that signed you up for services through telemarketing is not allowed to send you a bill or receive payment until two things happen:

    1. The timeframe ends when they told you they would provide you their services. This means they cannot charge you an upfront fee or ongoing monthly service fee, so sometimes the company calls it a “subscription fee” instead.
    2. They have sent you a report from a consumer reporting company. The report must show that they achieved the promised results, and it must be created six months after the results were achieved.
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    + What are the different ways to buy or finance a car or vehicle? +

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    The most common ways to get an auto loan are through your car dealer or a bank or credit union. Learn the differences and how to compare offers to get the best loan.

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    Most buyers need to get an auto loan to pay for a car or vehicle. While it may be convenient to get a loan through your dealership, it’s not your only option – and you’ll generally get better interest rates and loan terms by comparing offers between different lenders.

    At this stage, it’s important to:

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    Different sources for auto loan financing

    Dealer-arranged financing

    The car shopping process often begins at the dealership. If you need an auto loan, a dealer may offer to arrange financing for you. This is also called indirect auto financing because the dealer is between you and the lender.

    What to consider
    Once you’ve agreed to buy a car through that dealership, the salesperson will refer you to their finance and insurance department, where they’ll collect your information and forward it to one or more prospective auto loan lenders, which could include banks, credit unions, and nonbank auto finance companies. If a lender agrees to finance your loan, they’ll provide a quote to the dealer, which is known as a “buy rate.” Interest rates through a dealer are generally higher because the rate they offer you is their “buy rate” plus additional interest that compensates them for handling your financing.

    Most dealers will generally reach out to roughly five lenders and then choose one loan to present to you. You can ask if there were other offers and whether those had lower interest rates or better terms.

    Bank or credit union

    You can also go directly through a bank or credit union to finance your car or auto loan. You don’t have to work with the financial institution you bank with or are a member of, so it’s possible to shop around for different interest rates and loan terms. This tends to be the cheaper option because you avoid paying the additional markup to the dealer.

    What to consider
    The first step is to get preapproved by a bank or other lender. This will give you a loan quote, which will include an interest rate, loan length, and maximum loan amount based on a number of factors, including creditworthiness and terms of the loan. This quote allows you to shop around and compare different offers, including with what a dealer may provide.

    Buy Here, Pay Here dealership financing

    There are other types of dealers known as “Buy Here, Pay Here” where they finance loans to borrowers with no or poor credit histories. They may also advertise, “No Credit, No Problem.”

    What to consider
    The interest rate at these types of dealerships tends to be higher. You may want to consider whether the cost of the loan – including the costs you’ll pay over the life of the loan – outweighs the benefits of the vehicle.

    Even without a strong credit score or history, it may be worth checking with a bank or credit union to see if you could get a loan with better terms.

    Use our auto loan worksheet to compare financing offered by different lenders

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    Check and compare auto loan interest rates

    Regardless of who finances your auto loan, they’ll present you with a proposed interest rate – or how much you’ll pay each year to borrow money – and an APR – or the cost you’ll pay each year in interest as well as fees charged by the lender. Both are expressed as percentages and serve as important measures of the price you’ll pay for financing your auto loan.

    You can check and compare auto loan interest rates by getting quotes from different banks and credit unions. You can also research interest rates through online consumer marketplaces or comparison sites, but be aware that your information may be sent to prospective lenders.

    Learn how a lender decides what interest rate to offer you.

    Understanding how loan shopping impacts your credit
    Shopping early for interest rates allows you to comparison shop so you can get the best rate. This generally has a limited impact on your credit, unless you’re applying for multiple loans over a long period of time. When lenders check your credit, it’s a credit inquiry. If credit inquiries take place within 14 and 45 days, they’re considered one credit inquiry, and they won’t impact your credit.

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    Know your rights

    The Equal Credit Opportunity Act makes it illegal for lenders to consider a number of factors – including race, color, religion, sex, marital status – when deciding whether to offer you a loan or what the terms of that loan will be.

    Before you agree to a loan with a lender, they’re also required to provide you with written disclosures that list all of the important terms you’ll be legally bound to pay. These Truth-in-Lending or TILA disclosures provide important information on the costs you’ll pay over the life of the loan, including:

    • Annual Percentage Rate
    • Finance Charge
    • Amount Financed
    • Total of Payments
    • Total Sale Price

    If you have a problem with a financial product or service, you can submit a complaint with the CFPB.

    Learn more about auto loans

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    + What laws limit what debt collectors can say or do? +

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    The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act (FCRA) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.

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    The Fair Debt Collection Practices Act (FDCPA)

    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

    The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesn’t cover business debts, and it also doesn’t generally cover collection by the original creditor or business you owed money to.

    Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it.

    Limits on how debt collectors can communicate with you about a debt

    • Time and place. Generally, debt collectors may not contact you at an unusual time or place, or at a time or place they know or should know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. Also, if a debt collector knows or has reason to know that you're not allowed to receive personal communications at work, they’re not allowed to contact you there. If they call you when it’s inconvenient for you to speak with them, you can tell them that and they’re required to terminate the call.
    • Social media and other electronic communications. A debt collector may not use social media to publicly post about a debt that they claim you owe. However, they can contact you privately on social media, unless you request that they not contact you that way. If the debt collector communicates with you using an email address, telephone text number or other electronic medium, they must offer you a reasonable and simple method for you to opt out.
    • Harassment. Debt collectors may not harass you or anyone else over the phone or through any other form of contact, including text or email.
    • Representation by attorney. If a debt collector knows that an attorney is representing you about the debt, the debt collector generally must stop contacting you and must contact the attorney instead. This is only true if the debt collector knows, or can easily find out, the name and contact information of your attorney. If an attorney is representing you and a debt collector calls, give them your attorney’s name and contact information and tell them that they should contact your attorney directly, instead of you. It’s also a good idea to keep all documents sent by a debt collector and write down dates and times of conversations, along with notes about what you discussed. These records can help you if you meet with a lawyer or go to court.

    Learn how to get a debt collector to stop contacting you.

    The Fair Credit Reporting Act

    The federal Fair Credit Reporting Act covers how financial matters, including debts, can be reported in your credit report.

    For example, if a debt collector provides or furnishes information to a consumer reporting companies that you believe is inaccurate, you have the right to dispute that information and the credit reporting companies must:

    • Note on your credit report that you are disputing the information
    • Investigate your dispute
    • Forward all documents you provide in support of your dispute to the company that provided that information
    • Report the results back to you

    Learn how to dispute an error on your credit report

    State debt collector regulations

    Most states have laws about debt collection practices, many of which are similar to the FDCPA. Some of those state laws cover the original creditor, while others don't. States also have unfair and deceptive acts and practices laws that may apply to debt collection. Contact your state attorney general's office to learn more about the laws in your state.

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn more about debt collection.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-may-happen-if-i-ignore-or-avoid-a-debt-collector-en-1427/index.html b/www.consumerfinance.gov/ask-cfpb/what-may-happen-if-i-ignore-or-avoid-a-debt-collector-en-1427/index.html new file mode 100644 index 000000000000..fa6c452b6f75 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-may-happen-if-i-ignore-or-avoid-a-debt-collector-en-1427/index.html @@ -0,0 +1,1523 @@ + + + + + + + What may happen if I ignore or avoid a debt collector? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What may happen if I ignore or avoid a debt collector? +

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    There are federal protections to prohibit harassment or abusive communications by a debt collector. Ignoring or avoiding a debt collector, though, is unlikely to make the debt collector stop contacting you. They may find other ways to contact you, including filing a lawsuit.

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    While being contacted by a debt collector might feel overwhelming, talking with them can help you get more information about the debt. Ignoring or avoiding the debt collector is also unlikely to make them stop contacting you, and they may use other methods to try to collect the debt, including filing a lawsuit against you.

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    What to do when a debt collector contacts you

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    There’s certain information that debt collectors are generally required to provide to help you determine whether or not the debt is yours and to inform you how you can dispute the debt, if you don’t believe you owe it or the amount is incorrect. If they refuse to provide this information, it’s a warning sign that it may be a scam.

    Learn more about what you should do if a debt collector contacts you

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    How to respond if a debt collector sues you

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    If you ignore a debt collector’s attempts to contact you and they file a lawsuit to collect the debt, it’s important to take it seriously. Not responding to a properly served lawsuit – even if you’re unsure whether you owe the debt – can result in the court issuing a judgment against you, which could limit your ability to dispute the debt, even if it’s already been paid or you don’t owe it.

    Learn what to do if you’re sued by a debt collector

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    If you’re having problems making payments on an auto loan or lease, contact your lender or servicer as soon as possible to ask what options are available to you.

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    If you’re experiencing financial difficulties, it may be difficult to know where to start, but there may be a number of options to help you address short or longer-term financial challenges. You also have rights and protections if you’re at risk of having your car or vehicle repossessed.

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    How to get your auto loan back on track

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    • Contact your lender or servicer as soon as possible. As soon as you know you’re unable to make your monthly payment, contact your lender or servicer – whoever you make your payments to – to find out the options available to you, which may include affordable payment plans, changing your due date, or pausing your payments through forbearance. Learn how to find your lender or servicer
    • Get the agreement in writing. To avoid miscommunications, get the agreement with your lender or servicer in writing. You also want to ask how this new agreement would impact your credit report. If you’re told it won’t have an impact but it then appears on your credit reports, a written agreement provides evidence you can use to dispute the error with the lender or the credit reporting companies.
    • Refinance your auto loan. You can also talk with different lenders about refinancing your existing loan to get a lower interest rate or to spread out your payments over more time. Keep in mind, though, a longer loan term may mean cheaper monthly payments but more interest over the life of your loan. Learn what questions to ask when shopping for an auto loan.
    • Sell your vehicle. Another option is to sell your vehicle, but first, find out how much you owe on the auto loan and the approximate market value of your vehicle. If you owe less than the value of the vehicle, you can sell it and use the proceeds to pay off the loan. Check your auto loan contract to also see if you have a prepayment penalty for paying off early. In some cases, your lender may also be willing to buy back your vehicle.
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    How to get your auto lease back on track

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    • Contact your lessor as soon as possible. The dealership or company you leased your vehicle through – your lessor – may be willing to work with you on an affordable payment plan, especially if you have made timely payments in the past. If you do reach an agreement, get it in writing in case you need to dispute it later.
    • “Cure” or reinstate your lease. Within your contract or under state law, you might have the right to “cure” or reinstate your lease after missing a payment. If you have this protection, you have the right to make up missed payments before your car is repossessed. You would generally receive a notice after a missed payment and have one to two weeks to make it up. If it’s not in your contract, check with your state attorney general or consumer protection office as to whether it’s a protection under state law. Some states also allow you to reinstate your lease after your vehicle is repossessed, but this is rare.
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    Knowing your rights and protections around repossession

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    If you’re not able to make your payments and you haven’t been able to work out an alternative with the lender or loan servicer, you could be at risk of having your vehicle repossessed. In some cases, lenders can repossess vehicles without warning or court order after you’ve missed a payment.

    Losing a car to repossession can be financially and emotionally difficult, but it’s important to know that you have certain rights and protections. Auto loan servicers also need to ensure that every repossession is lawful.

    If you experience issues with a lender or servicer or your car has been repossessed in error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-having-problems-with-my-escrow-or-impound-account-en-2082/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-having-problems-with-my-escrow-or-impound-account-en-2082/index.html new file mode 100644 index 000000000000..07a800dfe7be --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-having-problems-with-my-escrow-or-impound-account-en-2082/index.html @@ -0,0 +1,1471 @@ + + + + + + + What should I do if I’m having problems with my escrow or impound account? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What should I do if I’m having problems with my escrow or impound account? +

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    If you’re having problems with your escrow or impound account, contact your mortgage servicer right away. You may need to send an information request or notice of error .

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    An escrow account is an account set up by your mortgage lender to pay certain property-related expenses on your behalf, like property taxes and homeowners insurance. It’s set up to help you pay these expenses through your lender or servicer, little by little every month, instead of you getting a big bill once or twice a year. An escrow account is sometimes called an impound account. Learn more about how escrow accounts work.

    Your property taxes and insurance premiums can change from year to year. If your property taxes and/or insurance premiums change, your total monthly payment will change.

    It’s important to monitor your mortgage statements, and tax and insurance bills, so you can quickly identify issues with your escrow account if they arise.

    Signs that there could be an issue with your escrow account include:

    • Changes in your total monthly payment without being notified that your taxes or insurance premiums are going to change
    • Servicer-purchased force-placed insurance, which your servicer is allowed to purchase and charge you for under certain circumstances
    • A notice from your local government that your property taxes haven’t been paid
      • If your mortgage servicer did not pay your taxes, you should send a copy of the bill along with a notice of error, which is a letter disputing the error, to your mortgage servicer.
      • If the servicer has failed to make timely tax and insurance payments from your escrow account on your behalf, you should contact your tax authority or insurance carrier as soon as possible. If you don’t or your servicer doesn’t pay the property taxes, a tax lien may be put on your property.
    • If you notice any of the changes above, the first thing you should do is contact your servicer to verify that these changes aren’t due to a mistake on their end.

    If you have an escrow account and your mortgage servicer fails to pay your property taxes, or if you are facing imminent foreclosure or have been served with legal papers, you may need to consult an attorney or a housing counselor.

    You can use the CFPB's "Find a Counselor" tool to get a list of housing counseling agencies in your area that are approved by the Department of Housing and Urban Development (HUD). You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you have a problem with your mortgage, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/index.html new file mode 100644 index 000000000000..6352a6106eca --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/index.html @@ -0,0 +1,1540 @@ + + + + + + + What should I do if I’m sued by a debt collector or creditor? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What should I do if I’m sued by a debt collector or creditor? +

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    If you’re sued for an unpaid debt, you should respond to the lawsuit, either personally or through a lawyer by the date specified in the court papers.

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    If you have been sued or “served” by a creditor or debt collector for an overdue debt, read the lawsuit carefully and respond by the required deadlines. By taking this step, you can protect yourself and help avoid additional financial difficulties.

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    Why it’s important to respond when sued by a debt collector

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    When you respond to the lawsuit, a debt collector has to prove to the court that the debt is valid. If you owe the debt, you may be able to work out a settlement or other resolution with the collector. Responding doesn’t mean you’re agreeing that you owe the debt or that it is valid.

    If you don’t respond, the court could issue a judgment or court action against you, sometimes called a “default judgment.” For example, if you refuse to accept delivery or “service” of the lawsuit, the court could view this as ignoring a properly served lawsuit, and it’s unlikely that this tactic will be effective at defending yourself against the lawsuit.

    As a result, it's likely that a judgment will be entered against you for the amount the creditor or debt collector claims you owe, as well as lawful additional fees to cover collections costs, interest, and attorney fees as allowed by the judgment.

    Judgments also give debt collectors much stronger tools to collect the debt from you. You may lose the ability to dispute the debt, if you believe you don’t owe it or that the amount is wrong, and depending on your situation and your state’s laws, the creditor may be able to:

    • Garnish your wages
    • Place a lien against your property
    • Move to freeze funds in your bank account

    A judgment is a court order, so it can be very difficult to get it changed or set aside once the case is over. You have a much better chance to fight a collection in court if you defend the case than if you wait until a judgment is entered against you. You may also be able to work out a compromise or settlement by negotiating with the debt collector before a court makes a judgment.

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    Consult an attorney to learn more about your debt collection rights

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    Attorneys can help you understand both your federal and state protections, if you’ve been sued or threatened with a lawsuit by a debt collector.

    Some attorneys may offer free services or charge a reduced fee. You may also wish to find an attorney who has experience in the Fair Debt Collection Practices Act (FDCPA) and debt collection issues. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet their criteria.

    If you’re a servicemember, consult your local JAG office or use the JAG Legal Assistance Office locator to find help or ask your installation’s financial readiness office for information.

    Learn more about how to find an attorney to advise you on your debt collection rights

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    When a debt collector can’t sue or threaten to sue

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    You have certain rights and protections when being contacted by a debt collector who is subject to the FDCPA. A debt collector can’t use the threat of a lawsuit to collect a debt if they do not intend to file a lawsuit. They also can’t sue or threaten to sue when the statute of limitations – or the period of time they have to file a lawsuit to collect a debt – has expired.

    Learn more about what debt collectors can say or do

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-prepaid-card-or-pin-is-lost-or-stolen-or-i-see-unauthorized-charges-en-425/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-prepaid-card-or-pin-is-lost-or-stolen-or-i-see-unauthorized-charges-en-425/index.html new file mode 100644 index 000000000000..ce1b1a7c9401 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-prepaid-card-or-pin-is-lost-or-stolen-or-i-see-unauthorized-charges-en-425/index.html @@ -0,0 +1,1472 @@ + + + + + + + What should I do if my prepaid card or PIN is lost or stolen or I see unauthorized charges? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What should I do if my prepaid card or PIN is lost or stolen or I see unauthorized charges? +

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    Contact the card provider right away if your card or your PIN is lost or stolen or if you see unauthorized charges.

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    If you have registered your prepaid card, or if your card is a payroll card or a certain type of government benefit card, you have certain error resolution rights that protect you from unauthorized transactions under federal law. Some prepaid card providers give some additional protections for loss or theft, but you should check your card provider’s website or your cardholder agreement to find out the specifics.

    Call your card issuer right away if your card or PIN is lost or stolen or if you see unauthorized charges. If you wait too long to report, you could be responsible for more or all of the unauthorized or incorrect charges.  Prompt reporting of a card’s loss or an erroneous charge can also prevent additional losses from your account balance. 

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html new file mode 100644 index 000000000000..1ca36621d156 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html @@ -0,0 +1,1449 @@ + + + + + + + What should I do if my rental application is denied due to a tenant screening report? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What should I do if my rental application is denied due to a tenant screening report? +

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    Federal law requires a landlord who denies your tenant application, due to information in a tenant screening report, to inform you of that fact.

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    The Fair Credit Reporting Act provides you with rights as both a rental applicant and a tenant. This federal law requires a landlord, who rejects or denies your tenant application due to information in a tenant screening report, to inform you of that fact. This notification is called an “adverse action” notice, and it must:

    • Be given in writing, orally, or electronically
    • Provide the name, address, and phone number of the company that provided the report
    • Notify you of your right to a free copy of the report if you request it within 60 days of the adverse action
    • Explain your right to dispute inaccurate information

    An adverse action not only includes being denied a rental, it could also include:

    • Requiring a co-signer on the rental agreement or lease
    • Requiring a larger deposit or a higher rent payment than other applicants

    Right to dispute errors on your reports

    You also have the right to dispute any errors on your tenant screening report and have them corrected, whether the information is inaccurate or outdated. The tenant screening or credit reporting company generally has 30 days to investigate your dispute, however, in some cases, they could have 45 days. Some states impose shorter deadlines.

    Steps to take if your rental application is denied

    If you’re denied a rental due to a tenant screening report, you can:

    • Try to find out from the landlord what information in the report was a problem to see if you can explain the situation.
    • Ask the landlord for a copy of the tenant screening report. The landlord must give you the name, address, and phone number of the tenant screening company, so you can get a copy from that company.
    • Review your tenant screening report, check for inaccurate or outdated information, and dispute any errors. If your tenant screening report contains a credit report from one of the nationwide credit reporting agencies, you can dispute that error with the credit reporting company or the company that provided the erroneous information or both.

    What you can do if your rights were violated

    If you believe that your rights have been violated, you may want to contact a lawyer. You may be able to sue for violations of the federal Fair Credit Reporting Act and any state law violations. If you sue under this federal law and win, you may be able to recover damages and your attorney fees. There will be applicable statutes of limitation or deadlines for bringing a lawsuit.

    Housing discrimination can take many forms . For example, a landlord that refuses to rent to anyone with a criminal history may be in violation of the Fair Housing Act. If you think a landlord discriminated against you by denying your rental application or by evicting you because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation or gender identity), familial status (families with children or pregnancy), or disability, you can file acomplaint with the Department of Housing and Urban Development .

    If you have a problem with credit or consumer reporting, such as tenant screening, you can submit a complaint online or by calling (855) 411-CFPB (2372).

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    + What should I do when a debt collector contacts me? +

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    If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it.

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    When a debt collector first contacts you about a debt, they are, in general, legally required to provide you with certain information about the debt during that initial communication or within five days of the initial communication. This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. If the debt collector doesn’t or can’t provide this information, it could be a scam. Never give sensitive financial information to the caller, at least not until you’ve confirmed they’re legitimate.

    Also, if the debt collector is collecting a valid debt, avoiding or ignoring their call usually won’t make them go away – they may instead find other ways to collect the money from you, including by filing a lawsuit. A debt collector can also help you understand if the debt is yours and what your options are, even if you can’t pay right now.

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    Communicating with debt collectors

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    In addition to using the validation information to follow up with the debt collector, you can use these sample letters to communicate with them:

    If you use any of these letters, it’s important to do so as soon as possible after the debt collector first contacts you, and to keep copies of any letters you send and any other communications. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need. Note: These sample letters are not legal advice.

    If it is not your debt or you already paid it, providing documentation can also help your dispute. Ask the debt collector for any evidence they have that indicates you are the correct debtor and what they are relying on to calculate the amount due. You can also notify the debt collector in writing to stop communicating with you.

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    You have protections against harassment

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    While talking with a debt collector can be helpful, it’s also important to know that you have protections against repetitious, excessive and threatening communications. Under the Fair Debt Collection Practices Act, debt collectors violate the law when they harass, oppress, or abuse you.

    For example, if the debt collector is calling you at an inconvenient time or place, you have the right to ask the debt collector to call you at a more convenient time or place you specify.

    Learn more about the laws that limit what debt collectors can say or do

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

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    + What should I know before I finalize a car or auto loan? +

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    Once you’ve finished negotiating with your lender or dealer, make sure to review all aspects of your loan agreement before you sign your paperwork and drive off the lot.

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    If you’ve shopped around for the right car and auto loan and negotiated the details with your lender or dealer, you’re at the point of closing the deal. Before you sign on the dotted line and drive off the lot, here are a few important things to know:

    The federal Truth in Lending Act (TILA) requires lenders to provide you with written disclosures with all of the important details of your loan terms fully filled out before you sign the paperwork. Note: while TILA disclosures are typically presented to you just before you sign your loan contract, you can insist on receiving them earlier so you have time to review. You can also take those forms home with you to compare with other offers or to fully consider your options.

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    Check everything to ensure it’s what you agreed to

    Under TILA, lenders must provide specific information that helps to ensure your loan terms align with what you agreed to. The form must include:

    • Annual Percentage Rate (APR) – This is the cost you’ll pay each year to borrow money, which is your interest rate plus fees. Similar to an interest rate, it’s written as a percentage.
    • Finance Charges – The total amount of interest and certain fees that you’ll pay over the life of your loan, if you make every payment when it’s due.
    • Amount Financed – The amount of money you’re borrowing.
    • Total of Payments – The sum of all of the payments you’ll have made by the end of your loan.
    • Total Sale Price – The total cost of your purchase on credit, taking into consideration your down payment.

    The TILA disclosures will also include other important terms such as the number of payments, the monthly payment, late fees, whether you can prepay your loan without a penalty, and other important terms.

    Take time to review each detail of your contract. If you don’t understand any aspect of your loan, ask questions. And if you’re not comfortable with any aspect or process, walk away. No one can pressure you into a loan or vehicle you’re not comfortable with.

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    Finish your paperwork

    Before you leave the lot, make sure you’ve finished all of the paperwork:

    • All of the blanks have been filled in – some by you but most by the dealer
    • The paperwork has been signed by you and the dealer
    • You’ve received copies of all of your documents

    If the dealer asks you to sign a blank or partially filled in form, you should decline. Also, you may receive printed or electronic copies of your documents. If you receive them electronically, make sure they’re in a format that’s easy to access and can be saved or printed.

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    Watch for these details after you drive away

    After you’ve taken out a car loan, you should receive an introductory message from your lender. These communications will include information on where to send your payments and when they’re due.

    Make sure your monthly payments are on time in order to avoid late fees or possible repossession, as well as negative impacts on your credit score.

    Also – if you’re a servicemember, learn more about your special protections when paying back your auto loan and lease.

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    + What should I know before I shop for a car or auto loan? +

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    By making several important financial decisions before you shop for a car, you can ensure you’re getting the best interest rates and loan terms for your budget.

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    There are several important questions to ask before you purchase a car or vehicle:

    By answering these questions, you’ll make an informed choice before entering into a new auto loan.

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    How much can I afford?

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    It’s often tempting when shopping for a car to calculate a monthly payment by simply looking at the price of the vehicle, but this doesn’t take into account other factors that impact your monthly payments and what you’ll pay over the life of your loan.

    Factors that impact your monthly and overall loan costs:

    • Interest rate and APR
    • Taxes and fees
    • Optional add-ons and features
    • Auto insurance and ongoing maintenance costs

    While you can negotiate many of these items with your lender or dealer, they still play a significant role in your loan terms and the overall cost of borrowing money.

    Factors that may reduce your monthly and overall loan costs:

    • Saving for a larger down payment
    • Buying a less expensive vehicle
    • Getting fewer add-ons, features, or options

    Use our auto loan worksheet to compare costs and create a budget

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    How will my credit impact my interest rate?

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    Your credit report and scores are some of the most important factors in determining the rates a lender will offer you for an auto loan. In general, the lower your credit score, the more likely you’ll receive a higher interest rate, which would cost you more over the life of your loan.

    Every 12 months, you’re entitled to a free credit report from each of the three nationwide credit reporting companies – Equifax, Experian, and TransUnion – as well as many of the specialty credit reporting companies, and until the end of 2026, you can get an additional six free credit reports every 12 months from Equifax. Before shopping, review your credit reports to spot and dispute any errors or inaccuracies that may be impacting your credit score and preventing you from getting the best interest rates possible.

    Also, keep in mind that getting multiple credit checks from lenders can impact your credit score. While it’s important to get loan comparisons, keep these credit inquiries within 14 to 45 days of each other so they’re counted as only one inquiry. If you’re working through a dealer, they may reach out to roughly five potential lenders with your credit information, so you want to aim to keep the car-buying process to a few weeks.

    Learn how to get and keep a good credit score

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    Do I want or need a co-signer?

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    A co-signer is a person who would also sign onto your loan, contractually obligating them to pay it back if you’re unable to. If you have a limited or poor credit history, a co-signer with good or excellent credit could significantly lower your interest rate because the lender will use their credit history and score when calculating your rate.

    Keep in mind that co-signing a loan can be a significant obligation. If you’re considering asking a parent, friend, or family member to co-sign, it’s important to have a conversation beforehand about what happens if you’re unable to make your payments.

    In general, a lender or creditor can’t require you to have a co-signer, even a spouse, unless you’re applying for joint credit.

    Learn whether you’ll need a co-signer to finance your loan

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    How much is my trade-in worth?

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    If you have a car or vehicle you’ll be trading in, you can research its approximate value using a number of reputable third-party websites, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides.

    Once you know how much its worth, you can consider using it as a trade-in – where you and your dealer negotiate the value that will be credited to your purchase of another car – or sell it yourself and use the money as a down payment. Both options decrease the amount you’ll need to borrow, so your decision to do a trade-in vs. selling it yourself should depend on which option offers you the greatest savings.

    Learn what happens if you still owe money on your trade-in or if you owe more than what your car is worth.

    Learn more about auto loans

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html b/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html new file mode 100644 index 000000000000..f5cf3c791cf2 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html @@ -0,0 +1,1547 @@ + + + + + + + What things can I negotiate when shopping for a car or auto loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What things can I negotiate when shopping for a car or auto loan? +

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    When getting an auto loan, negotiating certain terms and features, including interest rates and add-ons, can save you hundreds or even thousands of dollars.

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    In addition to the price of the vehicle, there are the terms and costs of the auto loan that you may be able to negotiate or control. Together, these amounts can impact your monthly payments and lower your total costs, which could allow you to save a significant amount over the life of the loan.

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    What auto loan features and add-ons you can negotiate

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    Annual Percentage Rate (APR) and interest rate

    Getting a lower interest rate and APR means you will pay less to borrow money and the amount you’ll pay over the life of your loan will be lower. Lenders base your interest rate and APR on a number of different factors, but to get the lowest APR and interest rate, compare quotes from multiple lenders before you go into the dealership.

    For example, getting preapproved by a bank or credit union allows you to show other lenders or your potential dealership the rates you’ve been offered, with the goal of getting competitive offers.

    Length of the loan

    A shorter loan term, where you make a fewer number of monthly payments, will reduce your loan cost overall. While a longer loan can reduce your monthly payment, you’ll end up paying more interest over the life of your loan.

    A longer loan also puts you at risk of having negative equity for a longer period of time, meaning you owe more than the vehicle is worth. For example, if you try to sell or trade-in your car before it’s paid off, you’d still owe money on your loan. The risk of negative equity also depends, in part, on the resale value of used vehicles, which can fluctuate.

    Prepayment penalty

    If you have a prepayment penalty in your loan terms, you’ll be charged a fee or penalty if you were to pay off the loan early. Ask your lender or dealer if your loan has a prepayment penalty, and if so, you can negotiate to have it removed.

    Optional add-on products

    Add-on products and services are optional. You’re not required to purchase them, but if you choose to, the price is negotiable.

    This may include physical features – such as alarm systems, window tinting, and tire or wheel protection – but it can also include:

    Keep in mind that if you agree to include add-on features or credit products in your auto loan, it’ll increase both your monthly payments and the total amount you’ll need to borrow and pay back.

    Vehicle trade-in value

    If you’re looking at trading in your current vehicle, a good first step is to get an approximate value for your trade-in by using online resources, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides. Again, the market for used vehicle, which can fluctuate, can also impact your trade-in value. Compare the value you’d get at different dealers vs. selling it to another person directly and putting that money towards a down payment on a new car.

    If you have an outstanding balance on your vehicle, understand how much more you’ll need to pay in order for your old loan be paid off. A dealer may offer to “roll in” the balance of your old loan, but beware that this adds costs to your new loan. Learn what you need to do if you owe more on an auto loan than what your car is worth.

    Additional fees associated with purchasing a vehicle or your loan

    This may include fees charged by the dealer, such as preparation fees, origination fees, document fees, delivery charges, and market adjustments or fees that increase the price over MSRP.

    What you can’t negotiate

    You can’t negotiate taxes, title, or registration fees set by your local and state government.

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    Other factors that affect the amount you’ll borrow

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    • Down payment – The larger the down payment, the less you need to pay back. In fact, increasing your down payment may also decrease your interest rate.
    • Manufacturer incentives – Manufacturers offer special deals to advertise certain vehicle models, such as cash rebates or special financing offers, but make sure to read the fine print because these offers may not be available to everyone.
    • Car insurance – While auto insurance is separate of your loan, it’s something that should factor into what you’re paying each month for your car. All lenders require that you have insurance, and if you don’t, they may take out “force-placed” insurance, which is more expensive than what you can get on your own.
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    How to look at your total loan costs vs. monthly payments

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    Many people think about a loan in terms of their monthly payment. Instead, the total cost of the loan matters. For example, if you reduce your monthly payment by taking out a longer loan, you will pay more in interest over the life of your loan.

    In a sample $20,000 car loan with a 4.75 percent interest rate, you’d pay $597 a month and $1,498 in total interest with a three-year loan term. With a six-year car loan, you’d pay $320 a month and $3,024 in total interest.

    Sample loan amount: $20,000. Interest rate: 4.75%.
    The numbers have been rounded to the nearest dollar.

    When thinking about your overall financial costs and monthly expenses, it’s also important to keep in mind the monthly cost of insurance as well as the routine and unexpected.

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    How to keep track of multiple factors when negotiating

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    Because there are several factors to keep track of as you’re negotiating the best auto loan for your new car or vehicle, you want to make sure you’re writing down or capturing the key details in order to better compare and negotiate.

    You may also want to negotiate some of the details separately in order to get the best price. For example, while a dealer may quote you the value of your trade in, you may get a better interest rate and loan terms through a bank or credit union.

    When talking with any dealer or lender, ask them to provide:

    • Trade-in value of your current vehicle (if applicable)
    • Interest rate
    • Term of the loan
    • Estimated monthly payment

    It’s important to get these numbers early in the process. The first quote you receive – whether from a dealership or a bank or credit union – may not be the lowest rate you qualify for. When negotiating, you can also ask for a better rate or more favorable terms.

    Download our auto loan worksheet to help track your auto loan details so you can better compare and negotiate.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html new file mode 100644 index 000000000000..292d0798610d --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html @@ -0,0 +1,1476 @@ + + + + + + + When can I be denied a checking account based on my past banking history? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When can I be denied a checking account based on my past banking history? +

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    If a bank or credit union denied your application for a checking account, it may be because a checking account reporting company has negative information in its files about your checking history.

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    You may have negative information in your file if you had a checking account before and you: 

    • Have an unpaid negative balance on that account, such as from an overdraft, that you have not repaid and the account was closed by the bank or credit union (this is called an “involuntary closure”).  
    • Were suspected of fraud related to a checking account. 
    • Had a joint account with someone else who had these types of problems.

    Banks and credit unions supply this type of negative information to checking account reporting companies, such as Chex Systems and Early Warning Services.  These companies compile and use the information to create reports of an individual’s prior checking account history.  Banks and credit unions may use these reports to help determine whether to offer you a checking account and the type of checking account to offer you. (Retailers may use a similar report to decide if they will accept your checks.

    What are my rights?

    Accuracy

    Checking account reporting companies must comply with the federal Fair Credit Reporting Act (FCRA). This means they must follow reasonable procedures to assure maximum possible accuracy of the information in the reports, and they can’t include most negative information that’s more than seven years old.  In practice, some checking account reporting companies disregard information that is more than five years old.

    Know what’s in your report

    Nationwide checking account reporting companies must provide consumers with one free annual report per year, upon request.  You have to request the reports individually from each reporting company. We’ve put together a list of some of these checking account reporting companies , along with some information about how you can obtain copies of your reports.

    You also have the right to request a free report if you have received an “adverse action” notice. For example, let’s say a bank turns you down for a checking account based on a checking account report. This is an example of an “adverse action”. The bank must provide you with an “adverse action” notice that includes the name and contact information of the checking account reporting agency from which the bank got the report. You can contact the reporting company and request a free copy of the report.

    Investigate and correct errors

    All checking account reporting companies must investigate consumers’ disputes of inaccurate information on their reports and correct any inaccurate information. Banks and credit unions that report information to checking account reporting companies also have an obligation to investigate and correct disputed information. 

    Here are some steps you can take if you’ve been denied an account:  

    Get a copy of your checking account report and review it for any errors

    Ask the bank or credit union to provide you with the name of the checking account reporting company that provided the negative information. Contact the company to obtain a free copy of your report and review it for any errors. If you spot any errors, file a dispute.

    Check your other credit reports. Some banks and credit unions will use your traditional credit reports, in addition to, or instead of a checking account report, to decide whether to give you a checking account. Get more information about requesting copies of your credit reports.

    Find out if the bank or credit union has steps you can take to open an account, or offers lower-risk accounts

    If not, consider trying another financial institution. Each bank or credit union has its own policies about the way the information in your checking account report impacts your ability to open an account.  Some banks and credit unions require you to pay any old, unpaid charges and fees before you are allowed to open a new account. Many banks and credit unions offer checking accounts and prepaid cards that are designed to reduce risks for both you and financial institution, by preventing overdraft and overdraft fees.  Because these products are considered less risky, many banks and credit unions may be less reliant on checking account reports when making a decision about a potential customer. As a result, you may be able to qualify for one of these products even if you were denied for another product recently.

    For more information, see our consumer guides on choosing and managing checking accounts: 

    You might also consider getting a prepaid card.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html new file mode 100644 index 000000000000..2a925dee8c85 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html @@ -0,0 +1,1550 @@ + + + + + + + When can I remove private mortgage insurance (PMI) from my loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When can I remove private mortgage insurance (PMI) from my loan? +

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    You have the right to remove PMI for many mortgages, once you have paid down your mortgage to a specified point. Ending PMI reduces your monthly costs.

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    Some lenders and servicers may allow removal of PMI under their own standards. The information below describes the legal requirements that apply to mortgages for single-family principal residences that closed on or after July 29, 1999.

    Mortgages through the Federal Housing Administration (FHA) or Department of Veterans Affairs (VA) have different requirements. For answers to questions about mortgage insurance on an FHA or VA loan, contact your servicer. If your lender is paying for your mortgage insurance, different rules apply.

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    Can I request cancellation of my PMI when my principal balance is 80 percent of the home’s original value?

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    Yes. You have the right to ask your servicer to cancel PMI on the date the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. The first date you can make the request should appear on your PMI disclosure form, which you received along with your mortgage. If you can't find the disclosure form, contact your servicer.

    You can ask to cancel PMI ahead of the scheduled date, if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home.

    For this purpose, “original value” generally means either the contract sales price or the appraised value of your home at the time you purchased it, whichever is lower. But, if you have refinanced, the “original value” is the appraised value at the time you refinanced.

    Your servicer is legally required to grant your request to cancel your PMI as long as you meet the criteria below:

    • You make your request in writing
    • You have a good payment history and are current on your payments
    • You can certify that there are no junior liens (such as a second mortgage) on your home
    • You can provide evidence (for example, an appraisal) that the value of your property hasn’t declined below the original value of the home—if it has, you may not be able to cancel PMI on schedule
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    Is my PMI automatically canceled once my principal balance is 78 percent of the home’s original value?

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    Yes. Even if you don’t ask your servicer to cancel PMI, in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.

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    Is my PMI automatically canceled once I am halfway through my loan’s term?

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    Yes. Your lender or servicer must end the PMI the month after you reach the midpoint of your loan’s amortization schedule. (This is true even if the principal balance has not reached 78 percent of the original value of your home.) The midpoint of your loan’s amortization schedule is halfway through the original full term of your loan. For 30-year loans, the midpoint is after 15 years have passed.

    This standard for ending the PMI halfway through the loan’s original term is more likely to occur for people who have a mortgage with an interest-only period, principal forbearance, or a balloon payment. Keep in mind that you must be current on your monthly payments for termination to occur.

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    Can my PMI be canceled earlier if I have a loan backed by Freddie Mac or Fannie Mae?

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    Yes. Loan investors, including Fannie Mae and Freddie Mac, often create their own PMI cancellation guidelines. But these guidelines cannot be less favorable to the borrower than the ones above.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html new file mode 100644 index 000000000000..c3e49742023e --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html @@ -0,0 +1,1472 @@ + + + + + + + When can my credit card company increase my interest rate? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Credit card companies can usually increase your interest rate if they give you 45 days of advanced notice, but there may be steps you can take to lower your credit card interest rate.

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    Your card issuer generally must give you 45 days of advanced notice before it raises your credit card interest rate for new purchases you make with that card. Card companies are generally restricted from raising the interest rate for your existing balance, but there are certain exceptions.

    Interest rate changes for new credit card purchases

    A credit card company is generally not permitted to increase your interest rate on new transactions during the first year of your credit card account.

    After that initial year, they’re required to provide 45 days of notice before an interest rate change, and any purchases you make with the card more than 14 days after the advanced notice are considered new transactions.

    Interest rate changes for an existing credit card balance

    A card company is not permitted to increase your interest rate on your existing purchases, except under the following circumstances:

    • A temporary rate – such as a low rate on a balance transfer – expires. That temporary rate must last for at least 6 months.
    • You have a variable interest rate and the index to which your rate is tied (for example, the U.S. Prime Rate) has increased.
    • Your minimum payment has not been received within 60 days after the due date.
    • You successfully complete or fail to comply with the terms of an arrangement with your card issuer to lower your interest rate. · Your protections under the Servicemembers Civil Relief Act (SCRA), if applicable, expire.

    Lowering your credit card interest rate

    If your credit card company increased your interest rate after giving you a 45-day advanced notice, it generally must review and re-evaluate the interest rate for your account at least every six months.

    The card issuer may – and in some circumstances must – compare the rate you’re being charged with the rate the card issuer would charge you today if you applied for a new card. If your rate is higher than what you would be charged as a new customer, the card issuer must reduce your rate. However, this rate will not necessarily be as low as your original rate.

    If your rate increased because of certain factors, including being late on a payment, the card issuer may consider whether the factors that led the increase still apply.

    For example, you may also be able to lower your interest rate by consistently making your payments on time. If your rate increased because you were more than 60 days late in making a payment, the card issuer must reinstate your old interest rate if you make six consecutive on-time payments of your minimum balance after the effective date of the increase.

    Contact your card issuer if you believe your interest rate was increased in error.

    Learn more about credit cards

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    + When do I have to pay back a reverse mortgage loan? +

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    Reverse mortgage loans typically must be repaid either when you move out of the home or when you die. However, the loan may need to be paid back sooner if the home is no longer your principal residence, you fail to pay your property taxes or homeowners insurance, or do not keep the home in good repair.

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    Most reverse mortgage loans are Home Equity Conversion Mortgages (HECMs). A HECM must be paid off when the last surviving borrower or Eligible Non-Borrowing Spouse:

    • Dies
    • Sells their home, or
    • No longer lives in the home as their principal residence, meaning where they live for a majority of the year.

    If the you are away for more than 12 consecutive months in a healthcare facility such as a hospital, rehabilitation center, nursing home, or assisted living facility and there is no co-borrower living in the home, anyone living with you will have to move out unless they are able to pay back the loan or qualify as an Eligible Non-Borrowing Spouse.

    An “Eligible Non-Borrowing Spouse” is a term used for your spouse when they are not a co-borrower, but qualify under the U.S. Department of Housing and Urban Development’s (HUD) rules to stay in your home after you have died.

    Learn more about what happens to your reverse mortgage after you die

    Learn more about reverse mortgages


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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-authorized-what-does-that-mean-what-can-i-do-en-32/index.html b/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-authorized-what-does-that-mean-what-can-i-do-en-32/index.html new file mode 100644 index 000000000000..6ddc3dd996df --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-authorized-what-does-that-mean-what-can-i-do-en-32/index.html @@ -0,0 +1,1472 @@ + + + + + + + When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do? +

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    If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit.

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    Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer. This authorization tells the merchant that your account is valid and that sufficient credit is available to cover the purchase.

    However, sometimes the merchant is unable to connect with your card issuer because of a technological glitch. You should call the card issuer to find out the reason the charge was not authorized.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html b/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html new file mode 100644 index 000000000000..9c004fffef37 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html @@ -0,0 +1,1476 @@ + + + + + + + Why did I get a low credit limit on a credit card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    There are a variety of reasons you may have been offered a credit card with a low credit limit. To understand why, you can examine your credit report or, in some circumstances, request more information about the decision from the lender.

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    Credit card companies usually determine your credit limit only after you’ve applied for a credit card. To make this assessment, they generally review your credit report and history as well as the income information you provided on your application.

    If you’re issued a credit card with a low credit limit, it could be for a number of reasons, including:

    • Poor credit history
    • High balances with other credit cards
    • Low income
    • Small credit limit for that specific card

    There are some circumstances in which it is possible to find out more about the factors that went into that determination, including:

    • If you were turned down for one card and offered a different card with different terms that you do not expressly accept, the credit card company has to tell you the reasons it denied your application. If the credit card company says you can apply for a different card with different terms than the card you applied for, the card issuer must provide key disclosures about the new offer on or with the application.
    • If a card issuer decreases your credit limit on an existing card, the credit card company generally must give you an “adverse action notice.” While card issuers can increase or decrease your credit limit without giving you notice, this adverse action notice must provide specific reasons for the action taken or allow you to request a statement of specific reasons.

    In order to better understand the factors related to your financial situation that may have contributed to your low credit limit offer, you can examine your credit report. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion).

    Learn more about credit cards

    Learn more about credit line decreases

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html b/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html new file mode 100644 index 000000000000..e2e313ef3cf9 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html @@ -0,0 +1,1477 @@ + + + + + + + Why did my monthly mortgage payment go up or change? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Why did my monthly mortgage payment go up or change? +

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    Several things can cause your mortgage payment to change. Check your mortgage statement or contact your servicer and ask them to explain.

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    There are several reasons why your monthly mortgage payment may have changed. Some examples include:

    1. You have an adjustable rate mortgage (ARM) and the interest rate changed. Check the type of mortgage you have. Some homeowners believe that they have a fixed-rate mortgage loan, when their loan actually includes an adjustable-rate or some other feature that can cause their interest rate and payment to change.
    2. You have an interest-only or pay-option loan and you are starting to pay principal. With these loans, you can postpone making principal payments for a while. That means that for a period of time you are only paying off the interest that’s accumulating on the amount you borrowed to pay for your home. Eventually, you have to start paying principal, or the actual amount you owe on the home, and that will make the monthly payments go up.
    3. You have an escrow account to pay for property taxes or homeowners insurance premiums, and your property taxes or homeowners insurance premiums went up. Check your monthly mortgage statement. If your monthly mortgage payment includes the amount you have to pay into your escrow account, then your payment will also go up if your taxes or premiums go up. Learn more about escrow payments.  
    4. You have a decrease in your interest rate or your escrow payments. It could also be because you stopped paying for private mortgage insurance. If you have private mortgage insurance, your payments may change once you are able to and do cancel the insurance.
    5. You were charged new fees. Your servicer may have charged you fees that increased your monthly payment. Check your monthly mortgage statement or any correspondence you recently received from your lender or servicer. 
    6. It’s also possible that your mortgage servicer simply made a mistake. If you think your servicer made a mistake, first call your servicer to check. While on the phone, explain the situation to the servicer. Ask for a corrected statement. Also, ask for a reference number and the name of the person you are talking to, and take detailed notes on what you talked about and the date of the call, so you can keep track for your records.  If your servicer doesn’t fix the problem over the phone, send a notice of error to your servicer explaining why you think it made a mistake in calculating your loan payment. Make sure you send the notice to the address your servicer uses for errors and information requests. This address should be listed on your statement or the servicer’s website – it might be different from the address where you send your payments.

    If you still don’t understand why your payment changed, you should call your mortgage servicer, and you may also want to send an information request. 

    Tip: Use this checklist to see what steps you can take to make sure your mortgage is on the right track. 

    If you have a problem with your mortgage, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). 

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/why-did-my-payday-lender-charge-me-a-late-fee-or-a-non-sufficient-funds-nsf-fee-en-1603/index.html b/www.consumerfinance.gov/ask-cfpb/why-did-my-payday-lender-charge-me-a-late-fee-or-a-non-sufficient-funds-nsf-fee-en-1603/index.html new file mode 100644 index 000000000000..3d2b41b935df --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/why-did-my-payday-lender-charge-me-a-late-fee-or-a-non-sufficient-funds-nsf-fee-en-1603/index.html @@ -0,0 +1,1477 @@ + + + + + + + Why did my payday lender charge me a late fee or a non-sufficient funds (NSF) fee? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Why did my payday lender charge me a late fee or a non-sufficient funds (NSF) fee? +

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    If you do not have enough money in your account when the lender attempts to repay itself, there could be additional fees. 

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    +

    Depending on your state law and your loan agreement, you might be charged a late fee as well as a returned payment fee by the lender and a non-sufficient funds (NSF) fee by your bank or credit union. Review your loan agreement closely to see what fees are included in the terms of your loan.

    When you took out your payday loan, you probably gave a check to the lender or gave the lender permission to take money from your account when the loan was due.

    If you do not have enough money in your account when the lender attempts to repay itself, your bank or credit union may cover the payment and charge you an overdraft fee. If your bank or credit union does not cover the payment, the loan will not be paid and you might be charged a “bounced check” or NSF fee by your bank or credit union and a late fee and a returned payment fee by the lender.

    State laws vary on the fees that can be charged. Some states specify the number of times and the maximum amount a lender can charge for these types of fees. For more information on your state law, check the website of your state regulator or attorney general .

    Tip: If you have questions about any fees, charges, or how your payments have been allocated, you can request a payment history, amortization schedule, and look at your loan file.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/complaint/data-use/index.html b/www.consumerfinance.gov/complaint/data-use/index.html index ef781b04188c..a2cfb1b0e234 100644 --- a/www.consumerfinance.gov/complaint/data-use/index.html +++ b/www.consumerfinance.gov/complaint/data-use/index.html @@ -454,7 +454,7 @@
  1. - + Order free brochures @@ -1181,7 +1181,7 @@

    Ways we use complaint data

    -

    What we publish in the Consumer Complaint Database

    Complaints must meet all of the publication criteria in our policy statement , narrative data policy statement , and narrative scrubbing standard .

    Types of complaint data we publish

    We publish complaints after the company responds or after 15 days, whichever comes first.

    +

    What we publish in the Consumer Complaint Database

    Complaints must meet all of the publication criteria in our policy statement , narrative data policy statement , and narrative scrubbing standard .

    Types of complaint data we publish

    We publish complaints after the company responds or after 15 days, whichever comes first.

    @@ -1445,10 +1445,10 @@

    About us

    We're the

    diff --git a/www.consumerfinance.gov/complaint/process/index.html b/www.consumerfinance.gov/complaint/process/index.html new file mode 100644 index 000000000000..9cbf84a20d3d --- /dev/null +++ b/www.consumerfinance.gov/complaint/process/index.html @@ -0,0 +1,1446 @@ + + + + + + + Learn how the complaint process works | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    + + + Submit a Complaint + +
    +
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    + + Search + +
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    Learn how the complaint process works

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    Your complaint goes through several steps that help you get a response and help us identify problems in the marketplace.

    +
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    + +
    +

    1. Complaint submitted

    +
    +

    You submit a complaint, or another government agency forwards your complaint to us. You will receive email updates and can check the status of your complaint.

    +
    +
    +
    +
    +
    + +
    +

    2. Route

    +
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    We'll send your complaint directly to the company so it can review the issues in your complaint. If we find that another government agency would be better able to assist, we will send your complaint to them and let you know.

    +
    +
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    +
    +
    + +
    +

    3. Company response

    +
    +

    The company will communicate with you as needed and respond to the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

    +
    +
    +
    +
    +
    + +
    +

    4. Complaint published

    +
    +

    We publish information about your complaint (without information that directly identifies you) in our public Consumer Complaint Database. With your consent we also publish your description of what happened, after taking steps to remove personal information. Learn more about how we share complaint data.

    +
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    + +
    +

    5. Consumer review

    +
    +

    We will let you know when the company responds. You’ll be able to review the company’s response and will have 60 days to provide feedback about the company's response.

    +
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    Ready to start your complaint?

    You can submit a complaint online now. It usually takes less than 10 minutes.

    Check the status of a complaint you've already submitted.

    +
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    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/compliance/advisory-opinion-program/index.html b/www.consumerfinance.gov/compliance/advisory-opinion-program/index.html index b9482d31d131..712e5679341e 100644 --- a/www.consumerfinance.gov/compliance/advisory-opinion-program/index.html +++ b/www.consumerfinance.gov/compliance/advisory-opinion-program/index.html @@ -455,7 +455,7 @@
  2. - + Order free brochures @@ -1291,7 +1291,7 @@

    -

    Purpose of the program

    The Advisory Opinion program provides a mechanism through which the Bureau can carry out its statutory purposes and objectives by better enabling compliance.

    Policy and related documents

    Final Advisory Opinions Policy

    Advisory Opinion Letters

    Fair Credit Reporting; Background Screening – January 11, 2024

    Fair Credit Reporting; File Disclosure – January 11, 2024

    Consumer Information Requests to Large Banks and Credit Unions – October 11, 2023

    Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt – April 26, 2023

    Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators – Feb. 7, 2023

    Fair Credit Reporting; Facially False Data – Oct. 20, 2022

    Permissible purposes for furnishing, using, and obtaining consumer reports – July 7, 2022

    Debt Collectors’ Collection of Pay-to-Pay Fees – June 29, 2022

    Revocations or unfavorable changes to the terms of existing credit arrangements – May 9, 2022

    Consumer reporting agencies’ matching practices – Nov. 4, 2021

    Special purpose credit programs – Dec. 21, 2020

    Earned wage access – Nov. 30, 2020

    Private education loans – Nov. 30, 2020

    Submit a request for an advisory opinion

    Submit your request for an advisory opinion to advisoryopinion@cfpb.gov. Requests will be reviewed on a rolling basis.

    Other reference materials

    Pilot Advisory Opinions Program

    Advisory Opinions Proposal

    +

    Purpose of the program

    The Advisory Opinion program provides a mechanism through which the Bureau can carry out its statutory purposes and objectives by better enabling compliance.

    Policy and related documents

    Final Advisory Opinions Policy

    Advisory Opinion Letters

    Fair Credit Reporting; Background Screening – January 11, 2024

    Fair Credit Reporting; File Disclosure – January 11, 2024

    Consumer Information Requests to Large Banks and Credit Unions – October 11, 2023

    Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt – April 26, 2023

    Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators – Feb. 7, 2023

    Fair Credit Reporting; Facially False Data – Oct. 20, 2022

    Permissible purposes for furnishing, using, and obtaining consumer reports – July 7, 2022

    Debt Collectors’ Collection of Pay-to-Pay Fees – June 29, 2022

    Revocations or unfavorable changes to the terms of existing credit arrangements – May 9, 2022

    Consumer reporting agencies’ matching practices – Nov. 4, 2021

    Special purpose credit programs – Dec. 21, 2020

    Earned wage access – Nov. 30, 2020

    Private education loans – Nov. 30, 2020

    Submit a request for an advisory opinion

    Submit your request for an advisory opinion to advisoryopinion@cfpb.gov. Requests will be reviewed on a rolling basis.

    Other reference materials

    Pilot Advisory Opinions Program

    Advisory Opinions Proposal

    @@ -1306,20 +1306,20 @@

    @@ -1533,10 +1533,10 @@

    diff --git a/www.consumerfinance.gov/compliance/consumer-complaint-program/index.html b/www.consumerfinance.gov/compliance/consumer-complaint-program/index.html index ac82ae274b89..59a4b556e378 100644 --- a/www.consumerfinance.gov/compliance/consumer-complaint-program/index.html +++ b/www.consumerfinance.gov/compliance/consumer-complaint-program/index.html @@ -455,7 +455,7 @@

  3. - + Order free brochures @@ -1239,7 +1239,7 @@

    Consumer complaint program

    -

    Learn about the complaint process

    Understand your company's role in the complaint process

    Each consumer complaint goes through a five-step process. Learn about each step so you know what to expect, how to respond, and how complaints are reviewed, shared, and published.

    Learn more about the complaint process

    See the types of complaints we send to companies

    We send consumers’ complaints about consumer financial products and services—including complaints referred to the CFPB by prudential regulators and other government agencies—to the CFPB-supervised bank or credit union or to the nonbank identified by the consumer.

    Review the list of complaint types we send to companies

    Respond to complaints

    By statute, a primary function of the CFPB is to collect, investigate and respond to consumer complaints. Companies receive and respond to these complaints through the Company Portal, a secure online environment that protects consumer privacy and the confidentiality of company responses.

    CFPB-supervised banks and credit unions

    The CFPB sends complaints to banks or credit unions supervised by the CFPB. We refer complaints about banks and credit unions that are not supervised by the CFPB to the appropriate prudential federal regulator.

    View list of CFPB-supervised banks and credit unions

    Nonbank financial institutions

    If you are a nonbank that provides consumer financial products and services, respond to complaints submitted to the CFPB by your customers by first getting access to your Company Portal.

    +

    Learn about the complaint process

    Understand your company's role in the complaint process

    Each consumer complaint goes through a five-step process. Learn about each step so you know what to expect, how to respond, and how complaints are reviewed, shared, and published.

    Learn more about the complaint process

    See the types of complaints we send to companies

    We send consumers’ complaints about consumer financial products and services—including complaints referred to the CFPB by prudential regulators and other government agencies—to the CFPB-supervised bank or credit union or to the nonbank identified by the consumer.

    Review the list of complaint types we send to companies

    Respond to complaints

    By statute, a primary function of the CFPB is to collect, investigate and respond to consumer complaints. Companies receive and respond to these complaints through the Company Portal, a secure online environment that protects consumer privacy and the confidentiality of company responses.

    CFPB-supervised banks and credit unions

    The CFPB sends complaints to banks or credit unions supervised by the CFPB. We refer complaints about banks and credit unions that are not supervised by the CFPB to the appropriate prudential federal regulator.

    View list of CFPB-supervised banks and credit unions

    Nonbank financial institutions

    If you are a nonbank that provides consumer financial products and services, respond to complaints submitted to the CFPB by your customers by first getting access to your Company Portal.

    @@ -1253,9 +1253,9 @@

    Complete and submit the boarding form. Once we process your form, users authorized by your company will be able to log in using their company email address.

    @@ -1269,9 +1269,9 @@

    The CFPB expects companies to provide complete, accurate, and timely responses tailored to the issues described in each consumer’s complaint, generally within 15 calendar days.

    @@ -1540,10 +1540,10 @@

    diff --git a/www.consumerfinance.gov/compliance/supervision-examinations/index.html b/www.consumerfinance.gov/compliance/supervision-examinations/index.html index 3c4ef544d6ee..ada233c458d0 100644 --- a/www.consumerfinance.gov/compliance/supervision-examinations/index.html +++ b/www.consumerfinance.gov/compliance/supervision-examinations/index.html @@ -456,7 +456,7 @@

  4. - + Order free brochures @@ -1250,25 +1250,25 @@

    Supervision and examinations

    @@ -1280,7 +1280,7 @@

    Supervision and examinations

    CFPB Supervision and Examination Manual

    The Supervision and Examination Manual is our guide for examiners to use in overseeing companies that provide consumer financial products or services. The manual describes how we supervise and examine these companies and gives our examiners direction on how to assess compliance with federal consumer financial laws. Send questions about the manual to supervision@consumerfinance.gov.

    -


    Download the full manual

    Supervision and Examination Manual  - Updated September 2023

    Browse individual sections of the manual

    Preface

    +


    Download the full manual

    Supervision and Examination Manual  - Updated September 2023

    Browse individual sections of the manual

    Preface

    5. @@ -1294,7 +1294,7 @@


    Download the full manual

    Table of contents
    Updated September 2023

    - + @@ -1315,12 +1315,12 @@


    Part I – Compliance supervision and examinatio

    - + - + @@ -1341,12 +1341,12 @@


    Part II – Examination procedures

    - + - + @@ -1364,57 +1364,57 @@


    Part II – Examination procedures

    - + - + - + - + - + - + - + - + - + - + - + @@ -1432,72 +1432,72 @@


    Part II – Examination procedures

    - + - + - + - + - + - + - + - + - + - + - + - + - + - + @@ -1518,32 +1518,32 @@


    Part III – Examination process templates

    - + - + - + - + - + - + @@ -1739,10 +1739,10 @@

    Supervision policy and examinations

    diff --git a/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html b/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html new file mode 100644 index 000000000000..cc3bbf57d582 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html @@ -0,0 +1,1569 @@ + + + + + + + Auto loan answers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Automated Clearing House (ACH) + +
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    An Automated Clearing House (ACH) authorization is a payment authorization that gives the lender permission to electronically take money from your bank, credit union, or prepaid card account when your payment is due. You can revoke this authorization.

    +
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    +
    +
    + Automatic debit payment + +
    +
    +

    With automatic debits, you give your permission to the company to take the payments directly from your bank account. This is different than the recurring bill-pay feature offered by your bank. In recurring bill-pay, you give permission to your bank or credit union to send the payments to the company.

    +
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    + Certificate of deposit (CD) + +
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    A Certificate Deposit, or CD, is a special type of savings account offered by banks or credit unions. You generally must keep your funds in the CD for a specified period of time to avoid penalties.

    + Read more +
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    + Certificate of deposit (CD) rollover + +
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    A rollover or renewal can occur at the end of the term of a CD.

    + Read more +
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    + Demand draft + +
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    A demand draft allows someone to withdraw money from your checking account without your signature. 

    + Read more +
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    + Deposit hold + +
    +
    +

    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee.

    +
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    +
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    + Fiduciary + +
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    A fiduciary is someone who manages money or property for someone else. When you are named a fiduciary, you are required by law to manage the person’s money and property for his or her benefit, not yours.

    +
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    + Guardian of property + +
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    A guardian of property is someone the court names to manage money and property for someone else whom the court has found cannot manage their money and property alone.

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    + Individual taxpayer identification number (ITIN) + +
    +
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    An ITIN is an identification number that you get from the Internal Revenue Service. An ITIN is only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number.

    +
    +
    +
    +
    + Joint account + +
    +
    +

    If you would like to enable a friend or family member to write checks and make deposits on your behalf, you might consider opening a joint account. Generally, everyone whose name is on a joint account can write checks, withdraw money, make transactions, move funds, or close the account. If one of the account holders owes money, the creditor can try to collect from money in the joint bank account.

    +
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    +
    +
    + Money market account + +
    +
    +

    A money market account is a special type of account offered by banks and credit unions.

    + Read more +
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    + Non-sufficient funds (NSF) fees + +
    +
    +

    An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account.  This is commonly referred to as a “returned” or “bounced” check. 

    +
    +
    +
    +
    + Overdraft + +
    +
    +

    An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank pays the transaction anyway. You can overdraw your account through checks, ATM transactions, debit card purchases, automatic bill payments, and electronic or in-person withdrawals.

    Many banks and credit unions offer overdraft protection programs in which the bank or credit union generally pays the transaction and charges you a fee (in addition to requiring repayment of the overdraft amount). Overdrafts can also be covered through a transfer of funds from a linked account, credit card, or line of credit.

    +
    +
    +
    +
    + Personal line of credit + +
    +
    +

    A Personal line of credit is a loan that you access from time to time. You write special checks or request a transfer to your checking account by phone or online.

    Like a credit card account, you have a credit limit, receive a monthly bill, make at least a minimum payment, pay interest based on your outstanding balance, and possibly pay a fee each time you use the account.

    Personal lines of credit are unsecured, unlike Home Equity Lines Of Credit (HELOCs), which are backed by a mortgage on your home. Personal lines of credit are offered by banks and credit unions and usually require that you also have a checking account with the same institution.

    +
    +
    +
    +
    + Power of attorney + +
    +
    +

    A power of attorney (POA) is a legal document that allows someone else to act on your behalf. Creating a POA is a way to appoint a substitute decision-maker and is relatively inexpensive, although it may involve help from a lawyer. 

    A financial POA can be used as a tool for planning for future incapacity – the inability to make financial decisions due, for example, to dementia, traumatic brain injury, or some other impairment that affects mental function. When used for advance planning, a POA generally is “durable,” meaning it continues to be effective even if the person creating it becomes incapacitated. Continue reading to learn more about power of attorney (POA). 

    +
    +
    +
    +
    + Representative payee + +
    +
    +

    The Social Security Administration (SSA) appoints a person to be a representative payee for another person who needs help managing his or her Social Security or Supplemental Security Income (SSI) benefit payments. A representative payee can only manage the benefit checks paid by SSA. If the person receiving the benefits has other money or property that he or she cannot manage, a representative payee must have legal authority from another source to manage other funds. For example, a representative payee also could be appointed guardian of property by a court. As a Social Security representative payee, you are a fiduciary.

    For more information on representative payees, read this guide on managing someone else’s money.

    +
    +
    +
    +
    + Revocable living trust + +
    +
    +

    A revocable living trust is a legal document that gives you the authority to make decisions about someone else’s money or property being held in a trust. 

    + Read more +
    +
    +
    +
    + Social Security representative payee + +
    +
    +

    A representative payee is appointed by the Social Security +Administration for another person who needs help managing their Social +Security or Supplemental Security Income benefit payments. 

    + Read more +
    +
    +
    +
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  5. - + Order free brochures @@ -1214,12 +1214,12 @@

    Get started

    Basics

    -

    Checklist for opening a new bank or credit union account

    You may decide that a checking or savings account is right for you. Use this checklist to help you gather the information you’ll need to open an account and understand your choices. Read more  

    Learn when your funds from a deposited check will be available

    Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. Read more

    Understand what it means to “opt-in” to overdraft coverage

    You could be charged overdraft fees in connection with checks, electronic payments, or debit cards. There are steps you can take to reduce or eliminate overdraft fees associated with your account. Read more

    +

    Checklist for opening a new bank or credit union account

    You may decide that a checking or savings account is right for you. Use this checklist to help you gather the information you’ll need to open an account and understand your choices. Read more  

    Learn when your funds from a deposited check will be available

    Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. Read more

    Understand what it means to “opt-in” to overdraft coverage

    You could be charged overdraft fees in connection with checks, electronic payments, or debit cards. There are steps you can take to reduce or eliminate overdraft fees associated with your account. Read more

    -

    Are you a professional looking for resources to help others?

    See more resources to use with the people you serve

    +

    Are you a professional looking for resources to help others?

    See more resources to use with the people you serve

    @@ -1317,22 +1317,22 @@

    Understand your situation

    Common issues

    Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.

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    + Annual percentage rate (APR) + +
    +
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    The APR, or annual percentage rate, is the standard way to compare how much loans cost. It lets you compare the cost of loan products on an “apples-to-apples” basis. Your credit card company must disclose the APR before you agree to the use the card.

    To calculate the APR, the interest rate and fees are compared to the amount you borrow and calculated over a one-year period. This allows you to compare the costs of a credit card to a six-month installment loan. It is also why APRs are often different from simple interest rates.

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    + Balance transfer + +
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    A balance transfer lets you move an outstanding balance from one credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. Many credit card companies offer zero-percent or low-interest balance transfers to invite you to consolidate your debt on one credit card. The promotional interest rate for most balance transfers lasts for a limited time. After that, the interest rate on your new credit card may rise, increasing your payment amount.

    If you’re more than 60 days late on a payment, the credit card company can increase your interest rate on all balances, including the transferred balance.

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    + Credit balance + +
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    A credit balance on your billing statement is an amount that the card issuer owes you.

    Credits are added to your account each time you make a payment. It may also be added when you return something you bought with a credit card or because of rewards you have earned or a mistake in a prior bill. If the total of the credits exceeds the amount you owe, your statement shows a credit balance. 

    + Read more +
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    + Daily periodic rate + +
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    Some card issuers calculate interest on the account using a daily periodic interest rate, which is used to calculate interest by multiplying the rate by the amount owed at the end of the day. This interest amount is then added to the previous day’s balance, which means that interest is compounded on a daily basis. 

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    A grace period is the period between the end of a billing cycle and the date your payment is due. During this time, you may not be charged interest as long as you pay your balance in full by the due date. Credit card companies are not required to give a grace period. However, most credit cards provide a grace period on purchases.  

    + Read more +
    +
    +
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    + Interest rate + +
    +
    +

    A credit card’s interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate, and this is called the annual percentage rate (APR). On most cards, you can avoid paying interest on purchases if you pay your balance in full each month by the due date.

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    + Prescreened credit card offer + +
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    +

    A prescreened credit card offer is when credit card companies use information from credit reporting companies to make firm offers of credit to you if your credit history meets the criteria selected by the card company.

    + Read more +
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    +
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    + Unauthorized use + +
    +
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    Generally, unauthorized use is the use of a credit card by a person who does not have the right to use the card. For example, if you lose your card and someone finds and uses it, that would be an unauthorized use. 

    + Read more +
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    + Credit reports and scores key terms +

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    + Credit inquiry + +
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    An inquiry refers to a request to look at your credit file, and it generally falls into one of two types.

    + Read more +
    +
    +
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    + Credit invisible + +
    +
    +

    In 2015, we published a report finding that 26 million Americans are "credit invisible." This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. An additional 19 million consumers have “unscorable” credit files, which means that their file is thin and has an insufficient credit history (9.9 million) or they have stale files and lack any recent credit history (9.6 million). In sum, there are 45 million consumers who may be denied access to credit because they do not have credit records that can be scored. People who are credit invisible or unscorable generally do not have access to quality credit and may face a range of issues, from trying to obtain credit to leasing an apartment.

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    + Credit monitoring service + +
    +
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    A credit monitoring service is a commercial service that charges you a fee to watch your credit reports and alert you to changes to the accounts listed on your credit report. 

    + Read more +
    +
    +
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    + Credit report + +
    +
    +

    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.

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    + Credit reporting company + +
    +
    +

    Credit reporting companies, also known as credit bureaus or consumer reporting agencies, are companies that compile and sell credit reports.

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    + Credit score + +
    +
    +

    A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. It is important to know that you do not have just “one” credit score and there are many credit scores available to you as well as to lenders. Any credit score depends on the data used to calculate it, and may differ depending on the scoring model, the source of your credit history, the type of loan product, and even the day when it was calculated.

    +
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    + Fair Credit Reporting Act + +
    +
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    The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Learn more about your major rights under the FCRA .

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    + FICO score + +
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    +

    A FICO® score is a particular brand of credit score. 

    + Read more +
    +
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    + Fraud alert + +
    +
    +

    A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer’s request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. There are two main types of fraud alerts: initial fraud alerts and extended alerts.

    +
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    + Free credit report + +
    +
    +

    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com . When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

    Read more

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    + Identity monitoring or identity theft proection + +
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    +

    Identity theft services monitor personally identifiable information in credit applications, public records, websites, and other places for any unusual activity that could be signs of identity theft.

    + Read more +
    +
    +
    +
    + Identity theft + +
    +
    +

    Identity theft occurs when someone steals your identity to commit fraud. Stealing your identity could mean using personal information without your permission, such as:

    • Your name
    • Social Security number
    • Credit card number
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    + Military active duty alert + +
    +
    +

    Members of the military (such as members of the Marines, Army, Navy, Air Force, and Coast Guard) can request an active duty alert. When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Active duty alerts last for 12 months. Your name also will be removed from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance for two years.

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    + Security freeze + +
    +
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    A "security freeze" on your credit report prevents new creditors from accessing your credit file and others from opening accounts in your name until you lift the freeze. Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name.

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    + Specialty consumer reporting company + +
    +
    +

    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    + Tenant screening report + +
    +
    +

    A report used by landlords to help make decisions on possible tenants. A tenant screening report may contain information from many sources including your rental history and credit reports.

    + Read more +
    +
    +
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    + Thin credit file / No credit file + +
    +
    +

    A thin credit file or no credit file means that a person does not have a credit history or not enough current credit history to produce a credit score. See: Credit invisible

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    List of consumer reporting companies

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    You have a meaningful role to play to ensure the data about you maintained by consumer reporting companies is accurate and complete. 

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    You know your credit report is important, but the three nationwide consumer reporting companies—Equifax, TransUnion­, and Experian—aren’t the only companies that collect information on you. Other companies collect information and prepare consumer reports about you—and you have a right to see those reports. This list of consumer reporting companies gives you the details you need to take action.

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    2024 list of consumer reporting companies

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    This list includes the three nationwide consumer reporting companies as well as other companies that focus on certain market areas and consumer segments.

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    + Check your credit reports by mail and online +
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    Know your data

    Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.

    Who can see your consumer reports

    Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including:

    • Lenders (including those that offer credit cards, home, payday, personal, title, auto including auto leasing, student loans, security deposit financing and lease guarantees on home rentals, and buy-now-pay-later (BNPL) products)
    • Employers and volunteer organizations (pre-employment screening and on-going employee monitoring)
    • Government agencies to determine eligibility for government assistance
    • Landlords and residential real estate management companies for short- and long-term residential property rentals (tenant screening)
    • Banks, credit unions, payment processors and retail stores that accept personal checks (check screening)
    • Companies that market and sell certain products and services specifically to lower-income consumers and subprime credit applicants, such as companies providing short-term lending and rent-to-own lending businesses among others
    • Debt buyers and debt collectors
    • Insurance companies (health, life, property insurance screening)
    • Telecommunication and utility companies (e.g., mobile phone, pay TV, electric, gas, water)
    • Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others
    • Gaming establishments and casinos that extend credit to consumers and/or accept personal checks

    Know when to check a report

    With the exception of employment screening, users of your reporting data generally don’t warn you in advance when they’re about to take an adverse action against you based in whole or in part on your consumer report. That's why the accuracy and completeness of your consumer reporting data is extremely important.

    Check your reports regularly

    It’s important to review your credit reports from the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian—every twelve months to ensure they are accurate and complete. This is especially important if you intend to purchase a home or car with credit, or otherwise intend to apply for credit in the future.

    Check your reports before making financial decisions

    If you are applying for a job, an insurance policy, or a lease, you should fact-check your background screening reports to ensure there are no errors. 

    Check your reports if you think you may be a victim of identity theft

    Data breaches are an unfortunate reality. It’s important to be aware of your options to take greater control of your consumer reporting data. 

    Fact-check your reports and consider blocking third-party access to your consumer reporting data through a security “freeze.”

    Resources to take action

    How to request a report

    Under the federal Fair Credit Reporting Act (FCRA) , all consumer reporting companies are required to provide you a copy of the information in your report if you request it.

    You are also entitled to a free credit report every 12 months from each of the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian. You can request a copy through AnnualCreditReport.com . 

    As a result of a 2019 settlement, all U.S. consumers may also request up to six free copies of their Equifax credit report during any twelve-month period through December 2026. These free copies will be provided to you in addition to any free reports to which you are entitled under federal law.

    Learn how to request a report

    You have the right to dispute the information in your reports

    If you find information in your consumer reports that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information with the consumer reporting company, such as your lender. 

    Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute.

    Learn how to dispute an error

    If you have complaints about your consumer reports

    The Bureau handles consumer reporting complaints about report accuracy and completeness errors, credit repair services, and other consumer reporting topics. If you are dissatisfied with a company’s investigation of an earlier dispute, if you believe your consumer report was used improperly, or if you have problems getting access to your own consumer reports you may consider submitting a complaint. 

    Submit a complaint

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    Know the data on your credit report

    You know your credit report is important, but the information that credit reporting companies use to create that report is just as important—and you have a right to see that data. Use our list of credit reporting companies to request and review each of your reports.

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    Basics

    Learn how to get your credit reports

    You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or the best available terms on a loan. Read more

    Learn how to request a copy of your tenant screening report if you’ve been denied housing

    Once you request your credit reports, it’s important to know what kind of information you should be on the lookout for as you review them. Read more

    Learn about the difference between credit scores and credit reports

    Your credit reports and credit scores are both critical to your financial health, but they play very different roles. Read more

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    Looking for ways to help others with money questions?

    See more resources to use with the people you serve

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    Looking for ways to help others with money questions?

    See more resources to use with the people you serve

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    Understand your situation

    Common issues

    Note: You should submit a dispute directly to both the credit reporting company that sent you the report and the company that provided the information. 

    If you've already tried reaching out to the company and still have an issue, you can submit a complaint to the Bureau. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.

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    Submit a complaint

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    Watch a video: Meet Jorge

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    Watch a video: Meet Jorge

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    diff --git a/www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/sample-letters-dispute-credit-report-information/index.html b/www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/sample-letters-dispute-credit-report-information/index.html new file mode 100644 index 000000000000..13441089bdc8 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/sample-letters-dispute-credit-report-information/index.html @@ -0,0 +1,1451 @@ + + + + + + + Sample letters to dispute information on a credit report | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Sample letters to dispute information on a credit report

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    If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company.

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    Credit counselors can help with the following:

    • Advise you on managing your money and debts
    • Help you develop a budget
    • Usually offer free educational materials and workshops

    Typically, credit counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. 

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    + Debt Collection Rule + +
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    The CFPB issued “rules” effective on November 30, 2021 that clarify and interpret the federal Fair Debt Collection Practices Act (FDCPA).

    Read more

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    + Debt collector + +
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    Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past-due.

    Debt collectors include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also called debt collection agencies, debt collection companies, or debt buyers.

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    + Debt settlement companies are companies that say they can renegotiate, settle, or in some way change the terms of a person's debt to a creditor or debt collector. Dealing with debt settlement companies can be risky. + Read more +
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    + Fair Debt Collection Practices Act (FDCPA) + +
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    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Read more information +on your rights under the FDCPA.

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    A wage or bank account garnishment occurs when a creditor takes a portion of your paycheck or money from your bank account to collect money you owe. Garnishments generally require a court order that results from a judgment. However, certain debts owed to the government may also result in garnishment, even without a judgment.

    State and federal laws have limits or “exemptions” that apply to bank account and wage garnishments, usually to make sure you have something left to live on. It is also a violation of the Fair Debt Collection Practices Act (FDCPA) for a debt collector to threaten that your wages will be garnished if your wages cannot legally be garnished.

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    + Harassment by a debt collector + +
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    The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

    Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone; obscene or profane language; threats of violence or harm; publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company); and calling you without telling you who they are.

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    A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you. If you don’t respond to a legal complaint, you will lose your chance to defend yourself and you may find that a judgment is entered against you.

    If someone sues you, or if someone has obtained a judgment against you and you are unsure of what to do, talk to an attorney. Some attorneys may offer free services or charge a reduced fee. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet certain criteria. Servicemembers should consult their local JAG office .

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    Under the Debt Collection Rule, this is a voicemail message to a consumer that must contain certain required information and may contain other optional content.

    Read more

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    + Original creditor + +
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    Generally speaking, the original creditor is the company that gave you the loan or credit. An original creditor may attempt to collect a past due credit account itself, or it may hire a debt collector. The original creditor also may sell your credit account to a debt collector. A debt collector is a generally a third party who has been contracted specifically to collect on your account, or someone who has purchased it from the original creditor or another debt collector or debt buyer. 

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    A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. Most statutes of limitations fall in the three to six years range, although in some jurisdictions they may extend for longer. Statutes of limitation may vary depending on state laws, the type of debt you have, or the state law named in your credit agreement.

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    A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.

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    Dealing with disasters and emergencies +

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    A guide to handling your finances if you are preparing for, recovering from, or rebuilding after a hurricane, tornado, wildfire or other emergency.

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    This guide focuses on your finances

    If you need information on your physical safety before, during, and after an emergency, visit the Federal Emergency Management Agency’s (FEMA) ready.gov site.

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    Prepare your finances before a disaster or emergency strikes

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    Natural disasters can happen anywhere. Here are three steps you can take right now to protect yourself financially and weather any storm.

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    Plan for the unexpected

    Taking time to document financial information and contact numbers before a situation occurs can save you time and stress in an emergency.

    Resources to help you get started

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    Protect your finances during and after a disaster or emergency

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    When disaster strikes, it can be hard to know how to move forward. Here are steps to take to recover financially after a natural disaster.

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    Focus on your most urgent issues

    If you can’t access your money or pay your bills after a disaster, you’ll want to contact lenders, creditors, and banks to let them know your situation. You’ll also want to consider finding places that provide financial assistance.

    Help managing money in an emergency

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    Are you an educator, advocate, or other professional looking for resources to help others?

    See more resources to use with the people you serve

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    Know your rights

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    You have the right to ask for help with bills, fees, paperwork, and more

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    Customer service workers at your bank, credit card company, or other lender might be able to offer you flexibility if you need it.

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    You have the right to ask for help with your home loan

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    There are ways you can work with your mortgage lender to give you more flexibility with loans or payment relief options.

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    Recover and rebuild after a disaster or emergency

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    Resources to help you rebuild

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    Helping others rebuild and recover

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    If you’re sending money to loved ones or an organization providing direct support, you’ll want to ensure it’s making a difference and getting into the right hands.

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    Avoiding fraud and scams

    In the wake of a disaster or emergency, you’ll have a lot on your plate. To protect yourself from more financial distress, be on the lookout for fraud and scams.

    How to avoid scams in the wake of a disaster

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    Financial education for adults

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    We help you help the people you serve. For adult financial educators, the tools here show our latest thinking on consumer financial behavior and effective financial education practices.

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    Death of a client’s spouse

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    The death of a spouse can be one of life’s most stressful events. Widows face higher poverty rates, greater housing cost burdens, and other challenges.

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    Bridging the gap between a person’s intentions and their behavior can be a challenge for financial education practitioners. Our tools can help you understand and harness emotions and relationships that influence money decisions.

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    Consumer Insights on Managing Spending

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    Auto loans

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    7. Download PDF

    Download PDF

    No summary

    Overview
    Updated March 2017

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    Examination process
    Updated February 2019

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    Compliance management review
    Updated August 2017

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    Compliance management review – information technology (CMR-IT)
    Published September 2021

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    Automobile finance
    Updated August 2019

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    Consumer reporting, larger participants
    Updated June 2023

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    Credit card account management
    Updated February 2015

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    Debt collection
    Updated March 2022

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    Education loan
    Updated September 2022

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    Mortgage origination
    Updated December 2021

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    Mortgage servicing
    Updated January 2023

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    Prepaid account
    Published March 2019

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    Remittance transfer
    Updated February 2022

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    Reverse mortgage servicing
    Updated June 2020

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    Short-term, small-dollar lending (payday)
    Updated March 2019

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    Consumer Leasing Act (CLA)
    Published October 2012

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    Electronic Fund Transfer Act (EFTA)
    Updated March 2019

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    Equal Credit Opportunity Act (ECOA)
    Updated October 2015

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    ECOA baseline review
    Updated April 2019

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    Fair Credit Reporting Act (FCRA)
    Published October 2012

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    Fair Debt Collection Practices Act (FDCPA)
    Updated December 2022

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    Home Mortgage Disclosure Act (HMDA)
    Updated September 2021

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    Homeowners Protection Act (HPA or PMI Cancellation Act)
    Published October 2012

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    Privacy of Consumer Financial Information -  Gramm-Leach-Bliley Act (GLBA)
    Updated October 2016

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    Real Estate Settlement Procedures Act (RESPA)
    Updated March 2018

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    Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act
    Published October 2012

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    Truth in Lending Act (TILA)
    Updated October 2021

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    Truth in Savings Act (TISA)
    Published October 2012

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    Unfair, Deceptive or Abusive Acts or Practices (UDAAPs)
    Updated October 2012

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    Entity profile
    Published October 2012

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    Examination report
    Updated February 2019

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    Examination scope summary
    Updated August 2018

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    Risk assessment
    Published October 2012

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    Supervision plan
    Published October 2012

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    Supervisory letter
    Updated February 2019

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    DESCRIPTIONACTIONS

    Comparing auto loans worksheet
    Worksheet

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    Take control of your auto loan 
    Web page

    Read more

    Take control of your auto loan: A step-by-step guide
    Multi-page booklet

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    Shopping for your auto loan
    Audio recording

    Listen in English
    Listen in Spanish

    +
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    Credit cards

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Act fast if you can't pay your credit cards
    Client handout

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    Act fast if you can't pay your credit cards (Spanish)
    Client handout

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    How to find the best credit card for you
    Client handout

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    How to fix mistakes in your credit card bill
    Client handout

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    How to stop mystery credit card fees
    Client handout

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    Digest: Using credit cards
    Practitioner handout

    Download PDF

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    Credit reports and scores

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    DESCRIPTIONACTIONS

    Where to find access to a free credit score
    Client handout

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    Check your credit report
    Client handout

    Download PDF
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    Check your credit report (Spanish)
    Client handout

    Download PDF
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    Understand your credit score
    Client handout

    Download PDF
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    Understand your credit score (Spanish)
    Client handout

    Download PDF
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    How to rebuild your credit
    Client handout

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    How to rebuild your credit (Spanish)
    Client handout

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    Credit report rule to live by
    Client handout

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    Watch accounts closely when card data is hacked
    Client handout

    Download PDF
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    You Have a Right to See Specialty Credit Reports
    Client handout

    Download PDF
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    Specialty Credit Reporting list
    Practitioner guide

    Download PDF

    Dispute an error for a minor
    MS Word document

    Download

    Dispute an error for a youth who is 18 or older if the error occurred
    before his or her 18th birthday
    MS Word document

    Download

    Dispute an error that happened at 18 or older for youth who
    remain in foster care until age 21
    MS Word Document

    Download

    Help your kids start and maintain good credit

    Client handout

    Download PDF

    Help youth in foster care start and maintain good credit
    Client handout

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    Understand your credit report
    Client handout

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    Understand your credit report (Spanish)
    Client handout

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    +
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    +

    Debt collection

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Debt Collection Sample Letters
    MS Word document

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    Know your rights when a debt collector calls
    Client handout

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    Know your rights when a debt collector calls (Spanish)
    Client handout

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    Planning to become debt-free?
    Client handout

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    Planning to become debt-free? (Spanish)
    Client handout

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    Housing

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    DESCRIPTIONACTIONS

    Making housing decisions after losing a spouse or partner
    Booklet

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    Making housing decisions after losing a spouse or partner (Spanish)
    Booklet

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    Making housing decisions after losing a spouse or partner (Chinese)
    Booklet

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    Making housing decisions after losing a spouse or partner (Haitian Creole)
    Booklet

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    Making housing decisions after losing a spouse or partner (Korean)
    Booklet

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    Making housing decisions after losing a spouse or partner (Russian)
    Booklet

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    Making housing decisions after losing a spouse or partner (Tagalog)
    Booklet

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    Making housing decisions after losing a spouse or partner (Vietnamese)
    Booklet

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    Making housing decisions when your health changes
    Booklet

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    Making housing decisions when your health changes (Spanish)
    Booklet

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    Making housing decisions when your health changes (Chinese)
    Booklet

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    Making housing decisions when your health changes (Haitian Creole)
    Booklet

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    Making housing decisions when your health changes (Korean)
    Booklet

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    Making housing decisions when your health changes (Russian)
    Booklet

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    Making housing decisions when your health changes (Tagalog)
    Booklet

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    Making housing decisions when your health changes (Vietnamese)
    Booklet

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    Leaving your home to children or heirs
    Booklet

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    Leaving your home to children or heirs (Spanish)
    Booklet

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    Leaving your home to children or heirs (Chinese)
    Booklet

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    Leaving your home to children or heirs (Haitian Creole)
    Booklet

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    Leaving your home to children or heirs (Korean)
    Booklet

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    Leaving your home to children or heirs (Russian)
    Booklet

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    Leaving your home to children or heirs (Tagalog)
    Booklet

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    Leaving your home to children or heirs (Vietnamese)
    Booklet

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    Using home equity to meet financial needs
    Booklet

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    Using home equity to meet financial needs (Spanish)
    Booklet

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    Using home equity to meet financial needs (Chinese)
    Booklet

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    Using home equity to meet financial needs (Haitian Creole)
    Booklet

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    Using home equity to meet financial needs (Korean)
    Booklet

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    Using home equity to meet financial needs (Russian)
    Booklet

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    Using home equity to meet financial needs (Tagalog)
    Booklet

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    Using home equity to meet financial needs (Vietnamese)
    Booklet

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    +
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    Money management

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Helpful shortcuts for credit card use: Ideas for financial educators
    Practitioner resource

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    Rules to live by: Ideas for financial educators
    Practitioner resource

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    Managing family lending and borrowing

    Read more
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    Managing spending: Ideas for financial educators
    Practitioner resource

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    Consumer tips for managing spending
    Client handout

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    My spending rule to live by
    Client handout

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    My credit spending rule to live by
    Client handout

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    Digest: Managing cash flow and bill payments
    Practitioner resource

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    Know your overdraft options
    Client handout

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    My new money goal
    Client handout

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    My new money goal (Spanish)
    Client handout

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    SAVED: Five steps for making financial decisions
    Client handout

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    SAVED: Five steps for making financial decisions (Spanish)
    Client handout

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    Manage your college money
    Client handout

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    Manage your college money (Spanish)
    Client handout

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    Your disaster checklist
    Client handout

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    Your disaster checklist (Spanish)
    Client handout

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    Digest: Organizing and managing finances
    Practitioner resource

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    Organizing and managing finances
    Video

    Watch now

    +
    +
    +

    Money motivations

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Money Circle Toolkit
    Practitioner resource

    Download PDF

    Introducing the Money Circle Toolkit
    Training webinar

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    Read transcript
    Watch

    Friends and Family Exchanges Crisis Tool
    Practitioner Resource

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    Friends and Family Exchanges Crisis Tool (Spanish)
    Practitioner Resource

    Download PDF

    Friends and Family Exchanges Consumer Worksheet
    Consumer Resource

    Download PDF

    Future Self Tool
    Practitioner Resource

    Download PDF

    Future Self Tool
    Training webinar

    Download slides
    Read transcript
    Watch

    +
    +
    +

    Money transfers

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Helping consumers understand remittance transfers
    Practitioner resource

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    Helping consumers understand remittance transfers (Spanish)
    Practitioner resource

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    Helping consumers understand remittance transfers (Arabic)
    Practitioner resource

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    Helping consumers understand remittance transfers (Chinese)
    Practitioner resource

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    Helping consumers understand remittance transfers (Haitian Creole)
    Practitioner resource

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    Helping consumers understand remittance transfers (Korean)
    Practitioner resource

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    Helping consumers understand remittance transfers (Russian)
    Practitioner resource

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    Helping consumers understand remittance transfers (Tagalog)
    Practitioner resource

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    Helping consumers understand remittance transfers (Vietnamese)
    Practitioner resource

    Download PDF

    Send money abroad with more confidence
    Client handout

    Download PDF
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    Send money abroad with more confidence (Spanish)
    Client handout

    Download PDF
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    Send money abroad with more confidence (Arabic)
    Client handout

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    Send money abroad with more confidence (Chinese)
    Client handout

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    Send money abroad with more confidence (Haitian Creole)
    Client handout

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    Send money abroad with more confidence (Korean)
    Client handout

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    Send money abroad with more confidence (Russian)
    Client handout

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    Send money abroad with more confidence (Tagalog)
    Client handout

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    Send money abroad with more confidence (Vietnamese)
    Client handout

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    +
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    +

    Mortgages

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Considering a reverse mortgage
    Client handout

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    Considering a reverse mortgage (Spanish)
    Client handout

    Order free copies

    Guide to closing forms
    Client handout

    Download PDF

    Your mortgage servicer must comply with federal rules
    Brochure

    Download PDF
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    How to avoid foreclosure
    Client handout

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    How to avoid foreclosure (Spanish)
    Client handout

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    Know before you owe: Mortgages
    Web page

    Read more

    How to spot and avoid foreclosure relief scams
    Brochure

    Download PDF
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    How to spot and avoid foreclosure relief scams (Spanish)
    Brochure

    Download PDF
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    Ready to buy a home?
    Client handout

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    Ready to buy a home? (Spanish)
    Client handout

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    Shopping for a mortgage
    Client handout

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    Shopping for a mortgage? (Spanish)
    Client handout

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    Should I refinance?
    Client handout

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    Should I refinance? (Spanish)
    Client handout

    Download PDF
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    Your closing checklist
    Client handout

    Download PDF

    Your home loan toolkit
    Brochure

    Download PDF

    +
    +
    +

    Savings and bank accounts

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    My savings rule to live by
    Client handout

    Download PDF

    Moving your checking account checklist
    Client handout

    Download PDF
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    Consumer guide to checking account denials
    Client handout

    Download PDF

    Consumer guide to managing your checking account
    Client handout

    Download PDF

    Consumer guide to selecting a lower-risk account
    Client handout

    Download PDF

    Digest: Saving for financial shocks and emergencies
    Practitioner resource

    Download PDF

    Saving for financial shocks and emergencies
    Video

    Watch now

    Save some and spend some
    Client handout

    Download PDF
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    Save some and spend some (Spanish)
    Client handout

    Download PDF
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    Checklist for opening a bank or credit union account
    Client handout

    Download PDF
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    Checklist for opening a bank or credit union account (Spanish)
    Client handout

    Download PDF
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    Selecting financial products and services
    Client handout

    Download PDF
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    Selecting financial products and services (Spanish)
    Client handout

    Download PDF
    Order free copies

    +
    +
    +

    Translated financial terms

    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Glossary of Arabic-English financial terms
    Practitioner resource

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    Glossary of Chinese-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Haitian Creole-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Korean-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Russian-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Spanish-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Tagalog-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Vietnamese-English financial terms
    Practitioner resource

    Download PDF

    +
    +
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    +

    Resources by audience

    We create resources for audiences with specific needs to help them navigate financial decisions.

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    +
    +
    +
    +
    +

    Justice-involved individuals

    Formerly-incarcerated individuals face many challenges in their financial lives, such as identity theft or criminal justice debt. These resources assist people as they reenter or prepare to reenter society.

    +
    +
    + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Focus on Reentry
    Your Money, Your Goals companion guide

    Download PDF
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    Protecting one’s credit while in the criminal justice system
    Client handout

    Download PDF

    +
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    +
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    +
    +
    +

    Native communities

    These resources are based on the wisdom of people working in tribal governments and other organizations that serve Native communities.

    +
    +
    + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Focus on Native Communities
    Your Money, Your Goals companion guide

    Download PDF
    Order free copies

    +
    +
    +
    +
    +
    +
    +

    Newcomers

    There are over 41 million immigrants in America, and some have unique needs when it comes to managing their finances. Considerations like limited English proficiency and unfamiliarity with the U.S. banking system can make it hard to navigate the financial marketplace.

    +
    +
    + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    DESCRIPTIONACTIONS

    Checklist for opening an account (English)
    Client handout

    Download PDF
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    Checklist for opening an account (Spanish)
    Client handout

    Download PDF
    Order free copies

    Selecting financial products and services (English)
    Client handout

    Download PDF
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    Selecting financial products and services (Spanish)
    Client handout

    Download PDF
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    Ways to pay your bills (English)
    Client handout

    Download PDF
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    Ways to pay your bills (Spanish)
    Client handout

    Download PDF
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    Ways to receive your money (English)
    Client handout

    Download PDF
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    Ways to receive your money (Spanish)
    Client handout

    Download PDF
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    People with disabilities

    Millions of people with disabilities face significant obstacles as they go about their lives, including full participation in the mainstream financial marketplace and navigating Supplemental Security Income (SSI) benefits.

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    DESCRIPTIONACTIONS

    Focus on People with Disabilities
    Your Money, Your Goals companion guide

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    People with Social Security disability income can still qualify for a mortgage
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    Young adults

    Developing good financial habits early in life can help young people plan for their future and make wise financial decisions as adults.

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    How to protect vulnerable children from credit reporting problems
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    Dispute an error for a youth who is 18 or older if the error occurred before his or her 18th birthday
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    Dispute an error for a minor
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    Dispute an error that happened at 18 or older for youth who remain in foster care until age 21
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    Help young people develop money skills
    Resource guide

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    We provide free tools and tips to help employers support the financial well-being of their workers.

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    People make important personal money decisions in the workplace. At the same time, they can be coping with money stresses. Improving the financial well-being of workers can help organizations function better.

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    Share resources with your workforce

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    Fast, free, objective help with money issues

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    From bank accounts and prepaid cards to mortgages, auto loans, and debt collection, your workforce can find the facts they need. Our guides and answers to common questions help with day-to-day money management as well as future plans.

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    Order publications

    Order and download free booklets, placemats, and worksheets on a full range of money topics to hand out to your workers. Many are available in multiple languages.

    Order free publications

    Build a financial wellness program

    Here’s how you can start building a culture of financial well-being.

    Understand the basics

    Get to know the definition of financial well-being and how organizations incorporate it into their programs.

    Webinar: Introduction to financial well-being

    Webinar: Financial well-being in the workplace

    Focus on five principles to help your financial education program deliver results

    Effective education can move people from good intentions to actions. Our principles can help.

    Using the five principles of effective financial education in your workplace

    Measure financial well-being in the workplace

    With just 10 rigorously tested and validated questions, you can measure financial well-being in your workforce. Use the financial well-being scale to compare groups and observe changes over time.

    Try the questionnaire yourself

    Getting started with measuring financial well-being: a toolkit

    View webinar: How to develop a program and measure success

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    Explore the research

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    The CFPB conducts studies focused on financial education and workplace wellness. Use these resources to help you understand how your workplace can be part of improving financial well-being nationwide.

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    Financial well-being in America

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    This report presents an overview of financial well-being in the United States.

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    Pathways to financial well-being

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    This study explores the link between financial skills and financial well-being.

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    Financial well-being is the ultimate goal of financial education. To help people improve their financial well-being, you first must be able to measure it.

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    Financial well-being describes a condition wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life. It’s determined by the extent to which people feel that they:

    • Have control over day-to-day, month-to-month finances
    • Have the capacity to absorb a financial shock
    • Are on track to meet his or her financial goals
    • Have the financial freedom to make the choices that allow one to enjoy life
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    Get started measuring financial well-being

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    The toolkit provides an introduction to the financial well-being scale, with instructions, case studies, and other resources.

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    Measure and score financial well-being 

    The financial well-being scale is a free tool to help you measure your client’s financial well-being. 

    Share the quiz with people you serve

    Integrate the financial well-being scale into your program

    Financial education organizations are using the financial well-being scale in a variety of ways to improve their services and programs.

    Bring financial well-being to your program

    Explore financial well-being findings

    We have conducted research on the state of financial well-being in America. 

    See our conclusions 

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    We want to make libraries the go-to source for financial education. We're working with libraries to provide websites, worksheets, guides, and other information to help with a consumer's money decisions.

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    Share our tips, worksheets, and information with people who have limited English proficiency

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    The CFPB provides resources in 8 languages other than English. What’s more, you can use our translations of key financial terms to help people understand contracts, disclosures, and more.

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    Help patrons make financial decisions with these tools

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    Free publications

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    Order free government publications, worksheets, and brochures that you can distribute to patrons and use during your own financial education programs.

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    Online financial education tools

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    We’ve teamed up with other government agencies and nonprofit organizations to provide financial education websites and tools to help patrons make important money decisions.

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    Financial education training, ideas, and materials for your library

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    Program ideas

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    We have financial education program ideas you can use in your library, including suggestions for partners in your community who can lead or help spread the word about your efforts.

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    Outreach materials

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    Download screen savers, web banners, share graphics, and more to show patrons that the library can be a helpful resource in their daily lives. 

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    Training webinars

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    Check out our financial education training series for library staff. It covers how to discuss financial education topics with patrons.

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    Partnership guidebook

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    Our community partnership guidebook for libraries will help you think through the process of building and documenting collaborations that work well for libraries, partners, and patrons.

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    Elder Fraud Prevention Network Development Guide

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    Resources to build an elder fraud prevention and response network

    Mobilize key stakeholders in your community to prevent, detect, and respond to elder financial abuse.

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    Elder financial exploitation threatens the financial security of millions of older Americans annually. In response to this crisis, hundreds of communities across the United States have created collaborative networks to protect their older residents.

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    Launch a successful network: use our meeting model

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    Our meeting model includes two key meetings—a convening and a post-convening—to help you bring stakeholders together to enhance the prevention of and response to elder financial exploitation.

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    Plan a convening

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    A convening is an effective way to bring stakeholders and community leaders together to create a collaborative network. Gather a core team of key community members to help you plan logistics and reach out to the wider community.

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    Host a convening

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    How you conduct a convening can set the tone for your network. Here are some suggestions on how to provide opportunities for collaboration and make sure everyone's voice is heard during a convening.

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    Reconvene and establish your network

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    After holding a convening, it's important to bring community stakeholders back together to determine next steps toward addressing priorities identified at the convening.

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    Expand network capabilities

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    After your network establishes priorities, consider leveraging working groups to reach goals, engage the community, and grow the influence of the network.

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    Network resources

    As you create and grow your network, use these tools to plan meetings, identify and prioritize goals, and build foundational knowledge of elder fraud prevention.

    Browse network resources

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    Working with older adults

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    We’ve gathered resources to help you, whether you serve older adults or family members managing the finances of a loved one.

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    Caregivers and nursing home debt

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    Helping someone you love to move into a nursing home can be stressful enough. Nursing homes should not try to make you personally responsible for a loved one’s bill as a condition of admission.

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    Tools and resources to use with older adults

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    Protect older adults against fraud

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    Protecting savings and assets becomes increasingly important as people age. We have resources to help safeguard finances and protect older adults from financial exploitation.

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    Tools for later-life financial security

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    Browse guides and information to help older adults make sound financial decisions. Learn more about managing someone else’s money.

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    Money Smart for Older Adults: avoid financial exploitation

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    Money Smart for Older Adults is a volunteer-led curriculum and tool designed to help older adults, family caregivers, and others prevent, recognize, and report financial exploitation.

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    Help for Surviving Spouses

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    The death of a spouse or partner can be one of life’s most stressful events. We have information and resources to help you take control of your finances, navigate critical financial moments, and understand your rights.

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    Find help responding to elder financial abuse

    Financial abuse is a serious issue, but help is available. See our list of state and local resources, legal aid, and other resources and information to address frauds and scams targeting older adults.

    Learn how to get help responding to elder financial abuse

    Resources for practitioners and financial institutions

    Archived webinars

    View our growing library of webinars or read the transcripts. Each webinar is added to the archive a few weeks after its presentation date.

    View archived webinars

    Elder fraud prevention and response networks guide

    We created a guide to help you start or revitalize an elder fraud prevention and response network to protect older adults from financial exploitation in your community.

    Explore the guide

    Tools for banks and credit unions

    Financial institutions have an important role in providing older adults and their families with information on how to prevent fraud. These resources are designed to be used by financial institutions working with families of older adults.

    See resources for financial institutions


    Research and reports

    We research key issues affecting older adults including the prevention of elder financial exploitation, planning for financial incapacity, and Social Security.


    See all reports and advisories for older adults

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    Protecting older adults from fraud and financial exploitation

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    Losing money or possessions to scams, fraud, and exploitation can be especially devastating to older adults, who may be not be able to earn back what they’ve lost.

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    Resources for consumers

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    These consumer advisories are designed to help you make a long-term plan to protect yourself from fraud, with the help of a trusted contact or your bank.

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    TitleAction

    Choosing a trusted contact person can help you protect your money

    Read the consumer guide
    Order bulk copies  

    Work with your bank or credit union to protect older adults from financial exploitation

    Download the consumer advisory

    Planning for diminished capacity and illness

    Download the consumer advisory

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    Resources for caregivers and service providers

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    Practitioners play an important role in providing older Americans and their families with information on how to prevent fraud. These resources are designed to be shared by caregivers and service providers working with families of older Americans.

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    TitleAction

    Issue Spotlight: Nursing Home Debt Collection  

    Read the report

    Preventing elder financial abuse: Guide for nursing homes and assisted living communities

    Download the guide
    Order bulk copies

    Preventing elder financial abuse: Guide for family and friends of people living in nursing homes and assisted living communities

    Download the guide
    Order bulk copies
    Download the guide in Spanish
    Order bulk copies in Spanish

    Reporting elder financial abuse: Help for family and friends of people living in nursing homes and assisted living communities

    Read the bifold
    Download the bifold
    Order bulk copies
    Download the bifold in Spanish
    Order bulk copies in Spanish

    Placemats with consumer protection tips to use with older adults

    Order placemats

    Support your community’s fight against elder financial exploitation

    Read the report

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    Resources for financial institutions

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    Financial institution staff are critical in the fight against financial exploitation as they may be one of the first to notice suspicious activity. These resources can help bankers, credit union staff, and others serve customers, clients, and members as they age.

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    TitleActions

    Financial institutions can help prevent elder financial exploitation with alerts to trusted contacts

    Download the advisory
    Download or order the consumer guide  

    Age-friendly promotional toolkit for banks

    View the toolkit

    Age-friendly promotional toolkit for credit unions

    View the toolkit

    Reporting of Suspected Elder Financial Exploitation by Financial Institutions

    Read the advisory update

    Suspicious Activity Reports on Elder Financial Exploitation 

    Read the report

    Advisory and report for financial institutions on preventing and responding to elder financial exploitation

    Read the advisory and report

    Interagency guidance on privacy laws and reporting financial abuse of older adults

    Read the document

    Memorandum on financial institution and law enforcement efforts to combat elder financial exploitation

    Read the memorandum

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    Resources for tax preparers

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    For many people, their tax refund is the single biggest check they receive all year. This can make tax time a unique opportunity to save. Our free tools can help you encourage the clients you work with to save as much of their refund as possible.

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    Strengthen your services

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    Help staff and volunteers work effectively with taxpayers at your site. As you prepare to open your doors to clients, use these tools to create a practical plan for encouraging tax-time saving, tailored to your site’s needs, capabilities, and clients.

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    This document provides promising practices and recommendations for Volunteer Income Tax Assistance (VITA) programs to improve consumers’ financial well-being at tax time.

    Download

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    This guide provides information on how to more effectively measure saving behavior at tax time. Included are recommendations on the additional information to collect, three different approaches to collecting the information, and suggestions for integrating the information collection into the tax preparation process.

    Download

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    This is a simple customer journey map for VITA programs to better understand what your customers see, feel, and experience at different stages of the tax preparation process.

    Download

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    Brainstorm creative ideas for how your organization can actively encourage clients to save their refunds. Use it as a team exercise in your planning meetings or as a pre-meeting worksheet for staff.

    Download

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    This matrix helps you review and compare your current activities to encourage saving and identify those with the most promise. Use it as a group exercise to prioritize ideas for further planning.

    Download

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    Identify outcomes and key implementation steps for one or more program activities. Use it during planning meetings for implementing new programming.

    Download

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    Once you’ve outlined key programming outcomes and milestones, individual staff or teams can use this tool to develop detailed plans for implementing your ideas to encourage saving.

    Download

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    Craft your key messages to effectively encourage clients to save at tax time.

    Download

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    Encourage saving by employing the principle of “anchoring” to set expectations and help clients focus on a specific savings goal.

    Download

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    Check out the creative ways some VITA providers have utilized their volunteers, leveraged social media, and offered additional services to their customers.
    Review case studies

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    Help taxpayers prepare to file and save

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    Use these worksheets and handouts with clients before, during, and after their appointment to make sure they’re prepared to file their return and have identified their best options for saving their refund. Many are available in both English and Spanish.

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    Help people keep more of their refund by using free tax preparation services.

    English | Spanish

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    Help people file for free and get their refunds quickly with direct deposit.

    English | Spanish

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    Be sure people understand for-fee products like refund advance loans and refund anticipation checks.

    English | Spanish

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    Walk clients through filing their taxes for free or low cost and claiming the credits they are eligible for.

    Online guide

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    Handout describing alternatives for saving from a tax refund.

    English | Spanish

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    Free and easy ways to split a tax refund between accounts so people can spend some and save some of their money.

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    Checklist outlining what to bring along to a tax appointment.

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    Checklist to verify all the documents required for a tax appointment.

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    Fill-in-the-blanks worksheet for deciding how much to save.

    English | Spanish

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    Financial resources for serving servicemembers, veterans, and military families

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    The CFPB helps servicemembers, veterans and military families navigate the unique financial challenges of service through financial resources, monitoring complaints, and holding companies accountable.

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    Protecting those who protect us

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    Research shows that only a small portion of active duty National Guard and Reserve members benefit from lower interest rates through the Servicemembers Civil Relief Act.

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    Financial resources for servicemembers

    The Servicemembers Civil Relief Act (SCRA)

    The SCRA provides servicemembers certain legal and financial protections, including with respect to wrongful foreclosures and repossessions.

    Learn more about SCRA

    The Military Lending Act (MLA)

    The MLA provides servicemembers with important protections on many loan products.

    Illegal military allotment practices

    We also work with the Department of Defense to protect against abuses of the discretionary allotment system.

    Read about abuses of the military allotment system

    We have financial resources for every stage of military service and beyond.

    Credit records of young servicemembers and civilians

    Credit histories play a critical role in military service. We compared credit records of young servicemembers across the military and with civilians of the same age.

    Read the follow-on report on young veterans after military separation (November 2020)

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    Tools and information for military families

    Servicemember complaints

    By analyzing complaints from servicemembers, veterans, and military family members, we can monitor the financial challenges facing this community.

    Read the latest OSA Annual report (June 2023)

    Complaints about identity theft

    Complaint data shows military consumers increasingly report debts caused by identity theft.

    Read the issue brief

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    Misadventures in Money Management (MiMM)

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    MiMM is a cutting-edge, virtual-learning experience that trains future and current servicemembers and their families on how to navigate future financial landmines.

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    The Servicemembers Civil Relief Act (SCRA)

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    The Servicemembers Civil Relief Act (SCRA) provides legal and financial protections to those who have answered the Nation’s call to serve.

    The SCRA is a law created to provide extra protections for servicemembers in the event that legal or financial transactions adversely affect their rights during military or uniformed service. These protections enable servicemembers to devote their entire energy to the defense needs of the Nation.

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    The SCRA applies to the following servicemembers:

    • Active duty members of the Army, Marine Corps, Navy, Air Force, and Coast Guard;
    • Members of the Reserve component when serving on active duty;
    • Members of the National Guard component mobilized under federal orders for more than 30 consecutive days; or
    • Active duty commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration.

    SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents.

    According to the U.S. Department of Justice, these are five protections that servicemembers often ask about:

    Protection #1: Reducing the interest rate on any pre-service loans to a maximum of 6 percent

    If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember (also known as a “pre-service obligation”), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to active duty service or a letter from your commanding officer that shows the date you began active duty service.

    The rate reduction for pre-service obligations applies during the period of active duty service for most loans and, for mortgages, for an additional year after the end of active duty service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on active duty. Your lender can’t add the amount of interest above 6 percent back into the loan later on after you leave active duty. You can request an interest rate reduction from your lender at any time while you are serving on active duty and up to 180 days after release from active duty.

    A lender can’t revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender can’t furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances – but you still have to pay back your debts.

    Protection #2: Protections against default judgments in civil cases

    If you are sued while a servicemember on active duty, you have certain legal protections under the SCRA. These include some protections from a default judgment in a civil action. A default judgment is a court order in favor of the party or “plaintiff” suing you when you did not appear or defend yourself against the lawsuit.

    Some of your rights under the SCRA include:

    • Before the court can enter a default judgment, the party suing you must file an affidavit with the court stating whether or not you are in active duty service, and provide facts in support of that statement. If the party suing you is unable to determine whether you are in active duty service, the affidavit must state that fact.
    • If you are in active duty service and have not appeared in a case against you, the court may not enter a default judgment until after it appoints an attorney to represent you.
    • The court also has to permit a delay of proceedings for at least 90 days if certain conditions are met.

    Protection #3: Protections against foreclosure on their home

    If you took out a mortgage before entering active duty service, you can’t be foreclosed on without a court order, unless you have waived your rights. This protection applies while you are on active duty and for an additional one year after leaving active duty. This protection also applies in states that do not require a court order to foreclose and whether or not you told your lender or servicer about your servicemember status.

    Under this SCRA protection, a court may also on its own – and must upon request by a servicemember – pause or stay a foreclosure proceeding or adjust the loan, provided that the servicemember’s ability to pay the loan is materially affected by his or her active duty service.

    As noted in protection #2, the SCRA also provides servicemembers with protections against default judgments, which are rulings against a party to a lawsuit because he or she didn’t appear in court. This protection applies to foreclosure cases before a judge.

    Protection #4: Protections against repossession of their property

    In some circumstances, the SCRA prohibits creditors from repossessing your personal property, including your vehicle, without a court order. That means that even if you violate a contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle or personal property can be repossessed. This protection applies only if you:

    • purchased or leased a vehicle, or other personal property, before entering active duty service; and
    • made a deposit or installment payment on a vehicle, or other personal property, before entering active duty service.

    These federal protections under the SCRA are in addition to any other protections you might have under your state law.

    Even if you’re protected by the SCRA from repossession without a court order, failing to pay your bills could result in violating your contract. As a result, you may be charged fees associated with your failure to pay, such as a late fee. Your missed payments can also be reported to credit reporting companies, and the creditor can try to collect the debt, including by filing a lawsuit against you.

    Protection #5: Termination of residential housing and automobile leases without penalty

    The SCRA provides servicemembers with the right to terminate residential leases of property that is occupied or intended to be occupied by a servicemember or his or her dependents. If you signed a lease for housing prior to active duty service, or if you’re already serving on active duty and receive Permanent Change of Station (PCS) or deployment orders for a period of at least 90 days, then you should be able to terminate your housing lease without penalty.

    To terminate your housing lease, you or someone exercising a power of attorney on your behalf must submit to your landlord a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, or by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e. e-mail, communications portal designated by lender or agent).

    If your lease requires monthly rent payments, termination of a housing lease is effective 30 days after the first date on which the next rental payment is due and payable after the date on which the termination notice is delivered.

    In addition to this right for residential leases, under certain circumstances, the SCRA also allows servicemembers to cancel or terminate an auto lease without paying early termination charges or penalties. In order to terminate an auto lease without penalty under the SCRA, you must have entered into the lease:

    • Prior to entering active duty, and then been called onto active duty for 180 days or longer; or
    • During active duty, and then received orders for:
      • a PCS from a location inside the continental United States (CONUS) to a location outside the continental United States (OCONUS), or a PCS from a location OCONUS to any new location, or
      • deployment with a military or uniformed unit or in support of a military or uniformed operation for 180 days or longer.

    To terminate your auto lease, you or someone exercising a power of attorney on your behalf, must submit to your leasing agent a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e., e-mail, communications portal designated by lender or agent).

    Carefully read your lease terms and consider your situation before signing a contract. The SCRA does not allow you to terminate your contract if you receive PCS orders from one CONUS location to another CONUS location, so if you know you may receive those type of PCS orders, make sure your lessor will allow the vehicle you intend to lease to be taken out of state.

    Conclusion

    The SCRA provides many legal and financial protections to enable servicemembers to focus on their mission with less worry about what is happening back home.

    If you have any questions about your rights under the SCRA, contact your closest military legal office for more information. You can find the closest military legal office at: legalassistance.law.af.mil .

    If you have financial challenges or questions before, during and after military or uniformed service, please visit our web site at: consumerfinance.gov/military-financial-lifecycle.

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    Your Money, Your Goals

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    Your Money, Your Goals is a set of financial empowerment materials for organizations that help people meet their financial goals by increasing their knowledge, skills, and resources.

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    Whether you’re helping people get a job, find a place to live, or deal with a legal problem, money always comes up. You can use these tools to start the conversation.

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    Resources for the people you serve

    Your Money, Your Goals materials can be used in many different settings. If you’re working with people to help set goals and solve financial problems, you’ll find helpful tools and information here.

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    Toolkit

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    The toolkit has information that helps you have the money conversation with the people you serve. Use the tools to help achieve goals and work through challenges.

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    Booklets to help talk about money

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    Use these bright, interactive booklets to easily help people begin to address common financial stressors.

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    Companion guides

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    Companion guides have specific information for populations with unique needs.

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    Online resources

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    We've consolidated the websites referenced in the Your Money, Your Goals materials to make them easier to access and share.

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    Resources for practitioners

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    Training and implementation

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    We have everything you need to bring Your Money, Your Goals to your organization. Review our Implementation Guide, watch the trainer videos, adapt the training slides, and you’re on your way.

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    Videos to spark action

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    Show these short videos to introduce a topic and connect it to a specific action with our tools and handouts.

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    Co-brand the booklets

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    Use the professional print files to add your logo to our booklets and have them printed locally.  Or if you need more copies, print them as they are.

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    Youth financial education

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    Developing financial knowledge, skills, and habits is an important stepping stone on young people’s path to adult financial well-being. The tools and resources listed here support K–12 financial education.

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    Finding classroom activities

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    Use CFPB’s interdisciplinary, age-appropriate activities in your own K-12 classroom to help students develop the building blocks and increase their financial capability.

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    Tools and resources to teach youth financial capability in the classroom

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    If you work with children and youth, you can help them develop the building blocks of financial capability—at school, at home, and in the community. CFPB's tools and resources can help you teach financial literacy across the curriculum, even if you’re new to the topic.

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    Teaching and learning strategies

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    Incorporate the building blocks of financial capability into your classroom and assess student progress toward key milestones.

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    A developmental model

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    Our framework for how youth acquire the building blocks of financial capability from K to 12 helps educators reach youth at pivotal points in their development.

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    Tools and resources for educators

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    CFPB provides tools and resources to understand best practices in financial education, evaluate financial education curricula, and explore relevant research.

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    Research and resources

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    We support educators and community leaders by conducting research and developing resources to improve financial education and support evidence-based policy and program decisions.

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    Financial education curriculum review

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    Use our evidence-based tool to review and compare financial education curricula so you can choose the one that best meets the needs of your students and classrooms.

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    Resources for parents

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    Money as You Grow activities and conversation starters help children develop money skills, habits, and attitudes that can serve them well as adults.

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    Printed copies of materials

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    We provide information, tools, and resources that lead to more effective design and delivery of financial education. You can download or order these materials from our publications page.

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    Learn about the building blocks of financial capability

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    Findings from CFPB's research suggest that the knowledge, skills, and behaviors associated with adult financial capability stem from three interconnected building blocks developed in youth. These building blocks form a framework for youth financial literacy education.

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    Understanding youth financial capability

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    Youth financial capability skills grow over time and are key to achieving adult financial well-being. Learn how CFPB's three building blocks of financial capability help teachers of all grade levels and subject areas go beyond traditional financial literacy education.

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    Three building blocks of financial capability

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    Children and youth need all three of the interconnected building blocks to achieve financial capability. Learn more about each of the building blocks below.

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    Executive function

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    The thinking skills and abilities needed to plan ahead, focus attention, remember information, practice self-control, and juggle multiple tasks.

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    Financial habits and norms

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    The values, standards, routine practices, and rules to live by used to navigate day-to-day financial life.

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    Financial knowledge and decision-making skills

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    The knowledge and skills needed to understand the financial world and make informed financial decisions.

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    A developmental model

    The report “Building blocks to help youth achieve financial capability: A new model and recommendations” presents an evidence-based developmental model for building financial capability. It also provides strategies for teaching financial capability from early childhood through adolescence.

    The model outlines a general framework for when children and youth typically acquire skills and traits related to the building blocks of financial capability. These developmental stages establish general benchmarks, since thinking skills may evolve at different rates from person to person, and access to financial decision-making experiences and opportunities may vary.

    Early childhood (ages 3–5)

    • Children begin to develop the foundational skills related to executive function.
    • Basic values and attitudes related to financial concepts begin to form.
    • Children begin to understand math and numbers needed for financial skills.

    Middle childhood (ages 6–12)

    • Executive function skills and behaviors continue to grow.
    • Financial habits and norms really start to take shape as children start to form independent identities, observe how family members and peers interact with money, and begin to learn financial lessons.
    • Children learn basic concepts about money management.

    Adolescence and young adulthood (13–21)

    • Executive function continues to mature.
    • Habits and norms about money continue to develop.
    • Youth solidify financial knowledge and decision-making skills, which become more relevant in their everyday lives.

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    Learn more

    Learn more about the research-based model for developing youth financial capability.

    Read the report

    Read the fact sheet

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    Find financial literacy activities

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    Find activities that can help you teach and nurture the building blocks of financial capability across the curriculum.

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    These classroom activities can be completed within a single class period. Each activity comes with a teacher guide and supporting student material, so it’s easy to implement whether you’re an experienced personal finance teacher, integrating financial literacy into another subject area, or supplementing your existing financial education curriculum.

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    + Illustration of teacher and student activity books +
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    Search for activities

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    + 136 activities +

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    + 136 activities +

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    +
    +
      +
    • +

      Mapping your money journey (elementary school)

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5) +

      +

      Students complete a short survey to find out about their current money skills and explore things they can do to manage money better.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn, Save and invest, Protect, Spend, Borrow +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Mapping your money journey (middle and high school)

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Middle school (6-8), High school (9-10), High school (11-12) +

      +

      Students complete a short survey to find out about their current money skills and explore things they can do to manage money better.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn, Save and invest, Protect, Spend, Borrow +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Storing my savings

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read descriptions of common places to store their money and weigh the benefits and risks of each to decide which one(s) fit their financial goals.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Save and invest (Banking options, Choosing how to save, Investing) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Becoming familiar with taxes

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students match tax types to definitions and then apply their knowledge to tax scenarios.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Paying taxes) +
      +
      +
      Activity duration:
      + 45-60 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding jobs, teens, and taxes

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read a handout about taxes and respond to questions to explore the relationship between working and taxes.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Getting paid, Making money, Paying taxes) +
      +
      +
      Activity duration:
      + 15-20 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding taxes and your paycheck

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students analyze statements about taxes to better understand how taxes affect people’s paychecks.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Getting paid, Making money, Paying taxes) +
      +
      +
      Activity duration:
      + 45-60 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding redlining

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read a handout about the practice of redlining and answer questions about its impact on individuals and communities.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Save and invest (Saving for long-term goals), Spend (Buying things), Borrow (Getting loans) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Drawing your own business comic strip

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students explore entrepreneurship by reading a story about entrepreneurs and drawing a comic strip about starting a business.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Exploring entrepreneurship

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students read a book about starting a business, think of an idea for a product they can create or improve, and design a plan for selling it.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      +
      +
      +
      • +
    • +

      Exploring opportunity costs

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students read a book about the opportunity costs of starting a business, play a fill-in-the-blank game, and discuss things they could give up so they can have something else.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money), Spend (Buying things) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    +
    +
    + +
    + Activities align with the My Money Five principles introduced by the statutorily created federal Financial Literacy and Education Commission. +
    +
    +
    +
    +
    +
    +
    +
    +
    + + + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html b/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html new file mode 100644 index 000000000000..a522bc1f7549 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html @@ -0,0 +1,2292 @@ + + + + + + + Find out your financial well-being | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Find out your financial well-being

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    + Answer ten questions to measure your current financial well-being and see steps you can take to improve it. +

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    Here’s how it works:

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    + Answer the questions and get your score. + You won’t be asked about any personal financial data—it’s not that kind of questionnaire. + See how and why we developed it. +

    +

    + Review steps you can take + if you want to be able to answer the questions differently. +

    +

    + See how your score compares + to other U.S. adults from our national survey. +

    +
    +
    + +
    +

    + We never collect or store the answers you provide. +

    + +
    +
    +
    +
    +
    +

    Part 1: How well does this statement describe you or your situation?

    +
    +
    +

    + I could handle a major unexpected expense +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
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    + + +
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    + + +
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    +

    + I am securing my financial future +

    +
    This statement describes me
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    + + +
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    + + +
    +
    + + +
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    + + +
    +
    + + +
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    +

    + Because of my money situation, I feel like I will never have the things I want in life +

    +
    This statement describes me
    +
    +
    + + +
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    + + +
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    + + +
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    + + +
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    + + +
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    + I can enjoy life because of the way I’m managing my money +

    +
    This statement describes me
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    +
    + + +
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    + + +
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    + + +
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    + + +
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    + I am just getting by financially +

    +
    This statement describes me
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    + + +
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    + + +
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    + + +
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    + + +
    +
    + + +
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    +
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    +

    + I am concerned that the money I have or will save won’t last +

    +
    This statement describes me
    +
    +
    + + +
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    + + +
    +
    + + +
    +
    + + +
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    + + +
    +
    +
    +
    +
    +
    +

    Part 2: How often does this statement apply to you?

    +
    +
    +

    + Giving a gift for a wedding, birthday or other occasion would put a strain on my finances for the month +

    +
    This statement applies to me
    +
    +
    + + +
    +
    + + +
    +
    + + +
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    + + +
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    + + +
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    +

    + I have money left over at the end of the month +

    +
    This statement applies to me
    +
    +
    + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + I am behind with my finances +

    +
    This statement applies to me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + My finances control my life +

    +
    This statement applies to me
    +
    +
    + + +
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    + + +
    +
    + + +
    +
    + + +
    +
    + + +
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    About you

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    + Select your age group. This changes the scoring calculation. +

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    + Select how you completed the questionnaire. This changes the scoring calculation. +

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      + + +
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      • +
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      + + +
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      • +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/fraud/answers/basics/index.html b/www.consumerfinance.gov/consumer-tools/fraud/answers/basics/index.html new file mode 100644 index 000000000000..9f299fbc7b23 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/fraud/answers/basics/index.html @@ -0,0 +1,1473 @@ + + + + + + + Fraud and scam answers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Fraud and scams basics +

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    Showing 9 results within basics

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    Showing 8 results within common issues

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    Showing 8 results within how-to guides

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/fraud/answers/key-terms/index.html b/www.consumerfinance.gov/consumer-tools/fraud/answers/key-terms/index.html new file mode 100644 index 000000000000..4fa9a50010bd --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/fraud/answers/key-terms/index.html @@ -0,0 +1,1552 @@ + + + + + + + Fraud and scam answers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Fraud and scams key terms +

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    + Elder financial exploitation + +
    +
    +

    Elder financial exploitation is the illegal or improper use of an older adult’s funds, property, or assets. It is the most common form of elder abuse, but only a small fraction of incidents are reported.

    The perpetrators can be strangers who gain the trust of older adults, but they can also be family members or friends. It's important to know the warning signs. Read more.

    +
    +
    +
    +
    + Foreclosure relief scam + +
    +
    +

    Foreclosure relief and mortgage loan modification scams are schemes to take your money or your house—often by making a false promise of saving you from foreclosure. These scammers may ask for money upfront and claim to guarantee that you can get your mortgage terms changed. If you’re having trouble making mortgage payments, a HUD-approved housing counseling agency can walk you through your options for free.

    +
    +
    +
    +
    + Fraud alert for prevention + +
    +
    +

    A fraud alert is something you can use to reduce the likelihood that you will be the victim of new account identity theft. It requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, the company must notify the others.

    There are two main types of fraud alerts: initial fraud alerts and extended alerts. Members of the military have an additional option available to them—active duty alerts, which give service members protection while they are on active duty. Read more.

    +
    +
    +
    +
    + Fraud by fiduciaries + +
    +
    +

    A fiduciary is someone who manages someone else’s money or property. For example, agents under a power of attorney and court-appointed guardians are fiduciaries.

    When you are named a fiduciary, you are required by law to manage the person’s money and property for his or her benefit, not yours. When a fiduciary spends the money for his or her own benefit, that may be fraud.

    +
    +
    +
    +
    + Identity theft + +
    +
    +

    Identity theft occurs when someone steals your identity to commit fraud.

    Stealing your identity could mean using personal information without your permission, such as your name, Social Security number, bank account information, or credit card number. The Federal Trade Commission offers information about preventing and responding to identify theft.

    +
    +
    +
    +
    + Imposter scams + +
    +
    +

    Imposter scammers try to convince you to send money by pretending to be someone you know or trust like a sheriff, local, state, or federal government employee, or charity organization. Remember, caller ID can be faked. You can always call the organization or government agency and ask if the person works for them before giving any money.

    +
    +
    +
    +
    + Mail fraud + +
    +
    +

    Mail fraud letters look real but the promises are fake. A common warning sign is a letter asking you to send money or personal information now to get something valuable after you send the money or information.

    +
    +
    +
    +
    + Phishing + +
    +
    +

    In phishing, a scammer impersonates a business or a person to trick you into giving out your personal information, such as passwords, credit card numbers, or bank account information. A scammer may use fraudulent emails, texts, or websites to steal this information from you. These emails can look authentic.

    +
    +
    +
    +
    + Security freeze for prevention + +
    +
    +

    A security freeze prevents new creditors from accessing your credit file and others from opening accounts requiring a credit check in your name, until you lift the freeze.

    Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn’t prevent identity thieves from taking over existing accounts. Read more.

    +
    +
    +
    +
    + Spoofing + +
    +
    +

    Spoofing occurs when a caller disguises the information shown on your caller ID. This gives the caller the ability to disguise or "spoof" the name and/or number to appear as though they are calling as a certain person from a specific location.

    +
    +
    +
    +
    + Wire or money transfer fraud + +
    +
    +

    Some scammers trick you into wiring or transferring money to steal from you. One common example of a wire transfer fraud is the “grandparent scam.” This is when a scammer posing as a grandchild or a friend of a grandchild will call and say they are in a foreign country, or in some kind of trouble, and need money wired or sent right away.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/fraud/answers/know-your-rights/index.html b/www.consumerfinance.gov/consumer-tools/fraud/answers/know-your-rights/index.html new file mode 100644 index 000000000000..719c9136368a --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/fraud/answers/know-your-rights/index.html @@ -0,0 +1,1455 @@ + + + + + + + Fraud and scam answers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Showing 3 results within know your rights

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    Guide to filing your taxes in 2024

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    2024 tax deadlines
    About filing your tax return
    Different ways to file your taxes
    Understand refund anticipation checks and refund advance loans
    Access your tax refund quickly and safely
    Watch out for tax scams!

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    For 2023 taxes, the IRS is piloting a new online tax filing system that lets you file at no cost, called Direct File. It is available in 12 states. Visit the IRS website for the latest information and see if you can use Direct File and save money on filing your taxes.

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    2024 tax deadlines

    The end of the 2024 tax season for most Americans is April 15, 2024. If you are unable to file before that date, you still have options.

    1. You can file for an extension. Filing an extension gives you an additional six months to October 15, 2024, to submit a complete return. If you believe you will owe taxes, you must estimate how much you owe and pay the amount due with your extension form .
    2. You can file a late return without an extension. If you do not owe taxes or you expect a refund, you may not owe a penalty. If you owe taxes, you may be charged a penalty for filing late.
    3. If you do not owe taxes or you expect a refund, you may not owe a penalty. Still, it may be best to file as soon as you can to receive your refund or to ensure you don’t owe a balance. See below for more information on ways to file a return for free and claiming your tax refund.

    About filing your tax return

    If you have income below the standard deduction threshold for 2023, which is $13,850 for single filers and $27,700 for those married filing jointly, you may not be required to file a return. However, you may want to file anyway. In many cases, especially for people with low incomes, these features can increase the amount you could receive in a refund. There are some key factors to make sure you look out for.

    Over-withholding

    If you worked during 2023 and had taxes withheld from your paycheck, you may be able to get some or all of that “over-withholding” back in your refund. Make sure you get W2 forms from all your employers and enter that information into the tax form when you fill it out.

    The earned income tax credit

    If you worked or were self-employed and had earned income under $63,698, you could receive the Earned Income Tax Credit (EITC) 1 by filing a tax return. If you are eligible for this credit, the maximum amount you could receive is:

    • $600 if you have no dependent children
    • $3,995 if you have one qualifying child
    • $6,604 if you have two qualifying children
    • $7,430 if you have three or more qualifying children

    The child tax credit (CTC)

    The Child Tax Credit is worth a maximum of $2,000 per qualifying child. Up to $1,500 is refundable. To be eligible for the CTC, you must have earned more than $2,500.2

    Different ways to file your taxes

    If you are one of the estimated 100 million people that are eligible to file your tax return for free you can keep all of your refund money by choosing one of these options.

    In person full-service free tax preparation

    If you meet the requirements below, you may be able to take advantage of in-person, full-service tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) , AARP Foundation Tax-Aide, and The Tax Counseling for the Elderly (TCE) programs. These free programs have operated for over 50 years and use IRS certified tax preparers and meet high IRS quality standards. This means you can be assured that you will have an accurate return.

    You can schedule an appointment with VITA/TCE and Tax-Aide sites if you:

    • Generally make $60,000 or less,
    • Have a disability,
    • Have limited English skills or speak English as a second language, or
    • Are 60 years or older

    Find a VITA or an AARP Tax Aide site

    Note: Some VITA or AARP Tax Aide sites are open year-round and some close at the end of tax season. When you search for a site, check the “Dates open” column to find a site that plans to remain open after April 15, 2024.

    Remote full-service free tax preparation

    You can prepare your own return with help from IRS certified volunteers when you need it through MyFreeTaxes if your income is $73,000 or less.

    You can get connected to VITA providers around the country virtually to have your return prepared by signing up through GetYourRefund if your income is $66,000 or less.

    Free self-preparation

    If your income is $73,0003 or less, you may be eligible to prepare and file federal income tax returns for free online, using guided tax preparation software through IRS Free File . Other eligibility for free products varies with providers and some may charge fees to file state returns. Review offers carefully and access this service through the IRS link, rather than going directly to the website for the guided tax preparation software.

    Free tax filing for servicemembers

    You can prepare and file your tax return for free through MilTax if you are:

    • Active-duty service members, spouses and dependent children of the eligible service members.
    • Members of the National Guard and reserve — regardless of activation status.
    • Retired and honorably discharged service members, including Coast Guard veterans, within 365 days of their discharge.
    • A family member who is managing the affairs of an eligible service member while the service member is deployed.
    • A designated family member of a severely-injured service member who is incapable of handling their own affairs.
    • Eligible survivors of active-duty, National Guard and reserve deceased service members regardless of conflict or activation status.
    • Some members of the Defense Department Civilian Expeditionary workforce.

    Consider these factors before using a fee-based tax preparer

    Before choosing to pay someone to prepare your taxes, here are a few things to consider:

    • The fees you pay will generally be based on the complexity of your return. If for example you have multiple sources of income including self-employment, are claiming certain tax credits, or have had changes in your life circumstances during the course of the year you will likely pay more than if you have a simple return.
      • Despite the complexity of your return, you may still be eligible to file your taxes for free if you meet the guidelines listed above so check with the free provider of your choice first before paying to have your taxes done.

    Here are some important tips about selecting a paid preparer:

    • Check the preparer's qualifications. You can use the IRS directory of federal tax return preparers to check a preparer’s credentials.
    • Check the preparer's history. Taxpayers can ask the local Better Business Bureau about the preparer.
    • Ask about service fees. And be wary of preparers who boast about getting bigger refunds than their competition.
    • Make sure the preparer is available after this year's April 15 due date in case you need follow-up help with your taxes.
    • Your tax documents, such as W-2s, are your records. Preparers cannot keep the originals of these documents or keep your ID to force you to use their service. If you file using their service, they will need copies of your documents for their records.
    • Ensure the preparer signs the return and includes their Preparer Tax Identification Number (PTIN). All paid tax preparers must have a PTIN. By law, paid preparers must sign returns and include their PTIN on the return they file.

    If you go to a paid preparer they may offer you additional products that will reduce the amount of your refund such as refund anticipation checks or refund advance loans.

    Understand refund anticipation checks and refund advance loans

    Refund Anticipation Check (RAC)

    If you use a fee-based tax preparer and you don’t have the necessary filing fees, some tax preparers may offer you a refund anticipation check (RAC). A RAC allows you to pay the tax preparation fee out of your refund instead of upfront. When you receive your refund, the tax preparer will take out the RAC fee, filing fee, and any other service fees they charged you. A RAC doesn’t deliver your refund more quickly.

    RAC fees typically range from $30 to $50.

    Refund Advance Loan (RAL)

    Some fee-based tax preparers may offer you a refund advance loan (RAL) so that you can get a portion of your expected refund in advance. Tax preparers may call them a “tax refund advance.” If you decide to do an advance, you will borrow money upfront from the preparer, and once the IRS issues your refund to the tax preparer, you receive the remaining portion, minus the RAL fee, and any other service fees they charged you. The amount of a RAL is typically a percentage of your estimated tax refund.

    All tax preparation firms are different. Some firms offer RALs with no fees or interest, but others may charge fees and interest.

    Keep in mind that when you file electronically, the IRS typically issues most refunds in less than 21 days, so you may end up paying a big RAL fee for a short-term advance.

    As with any financial product or service, carefully consider all fees and charges, as well as timing, to help make an informed decision that’s best for your situation.

    Access your tax refund quickly and safely

    If you think you may receive a refund, here are some things to think about before you file your return:

    • Electronically filing and choosing direct deposit is the fastest way to get your refund. When using direct deposit, the IRS normally issues refunds within 21 days. Issuance of paper check refunds may take much longer. The IRS estimates 4 to 6 weeks.
      • If you already have an account with a bank or credit union, make sure you have your information ready — including the account and routing number — when you file your tax return. You can provide that information on the tax form and the IRS will automatically deposit the funds into your account.
      • If you have a prepaid card that accepts direct deposit, you can also receive your refund on the card. Check with your prepaid card provider to get the routing and account number assigned to the card before you file your return.
    • Learn more about choosing the right prepaid card.
    • If you don’t have a bank account or prepaid card, consider opening an account or getting a prepaid card. Many banks and credit unions offer accounts with low (or no) monthly maintenance fees when you have direct deposit or maintain a minimum balance. These accounts may limit the types of fees you can incur and may also offer free access to in-network automated teller machines (ATMs). You can often open these accounts online.
    • Preparers may suggest receiving your refunds on a prepaid card. The fees associated with these cards vary greatly depending on your provider. Most will charge fees for out-of-network ATMs, so it is important to determine if the network is convenient for you.

    Watch out for tax scams!

    Scammers usually target you by impersonating the IRS to get you to share your personal information with them. Thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use mail, telephone, or email to target individuals, businesses, and payroll and tax professionals.

    The IRS does not initiate contact with taxpayers by email, text messages, or social media channels to request personal or financial information. Learn how to recognize the telltale signs of a scam and make sure you know how to tell if it’s really the IRS calling or knocking on your door.

    Submitting complaints about financial products

    Submit complaints to the CFPB about Refund Advances, Refund Checks, Prepaid Cards and other financial products, using the Submit a Complaint service.

    References

    1. Earned Income and Earned Income Tax Credit (EITC) Tables

    2. Child Tax Credit Amounts

    3. Free File: Do your Federal Taxes for Free

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    Millions of Americans manage money or property for a loved one who’s unable to pay bills or make financial decisions. To help financial caregivers, we offer easy-to-understand guides.

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    Find the right guide for you

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    Guides for those who have been named in a power of attorney to make decisions about money and property for someone else. 

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    Court-appointed guardians

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    Government fiduciaries

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    Co-brand the guides

    Want to share the Managing Someone Else’s Money guides with customers and clients? Learn how to co-brand the CFPB booklets .

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    Navigating the military financial lifecycle +

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    Whether you’re a servicemember entering basic training or you just hung up the uniform, we can help you handle financial challenges at every step of your military career. Get the resources .

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    Financial basics for new and current servicemembers

    Servicemembers are expected to keep their finances in order at every step of their military career. Learn how. 

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    The Servicemembers Civil Relief Act (SCRA)

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    The SCRA is a law that provides legal and financial protections to those who have answered the call to serve.

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    Borrowing money: Your rights under the Military Lending Act (MLA)

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    The MLA includes a number of rights for servicemembers and dependents. If you qualify, you can’t be charged an annual percentage rate higher than 36% on most types of consumer loans.

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    Dealing with debt collection

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    There are laws that spell out what debt collectors can say or do. Know your rights if you get a call about a debt.

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    Servicemembers, arm yourself with basic car buying skills

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    Before you rush off to the nearest car dealer advertising “Military – low payments, no interest, or zero down,” let us arm you with some basic car buying and car financing skills.

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    Strategies for tackling student loan debt

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    You may have options for lowering your interest rates, reducing monthly payments and qualifying for student loan forgiveness based on your public service. Take action today.

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    Servicemembers, take these immediate actions for a strong financial future

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    The immediate actions toward financial freedom include three basic steps: first, pay off high-interest debt; second, set goals and make a financial plan; and third, start saving and investing early.

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    Permanent Change of Station (PCS) and deployments

    Moving is a military fact of life and often means managing financial challenges ranging from dealing with leases to sometimes having others make decisions on your behalf.

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    Use alerts to protect your finances

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    Whether you’re overseas or in the US, protect your finances with these fraud and identity theft alerts.

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    Delegating financial management during deployment

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    Giving a trusted person the power of attorney to make financial decisions for you while you’re away can provide peace of mind. Learn more about how it works and if it’s for you.

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    PCS’ing with an auto lease

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    Handling PCS orders and an underwater home loan

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    If you owe more on your home than it’s worth and have received PCS orders, you may be able to sell your home and not have to pay back the remaining balance.

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    Transitions and life events

    Learn more about handling other events in your personal financial life, from buying a home to raising a family with strong money management skills.

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    Buying a home: What you need to know

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    Whether you’re just thinking about buying a home or about to close, we can help you take control of the home loan process.

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    Safely consolidating credit card debt

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    If you’re considering rolling your debts into one monthly payment, we have what you need to know and where you can find a non-profit credit counselor to help you explore your options.

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    Set money goals that reflect your life

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    Making a plan ahead of time is the easiest way to navigate changes in income, priorities, or goals.

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    Teach your kids money management skills

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    You can teach your children basic money management skills today with these easy-to-use, age-appropriate activities and discussion topics.

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    Leaving the service and veterans’ issues

    From GI Bill benefits to Social Security, leaving the service requires navigating a different set of financial challenges. 

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    Going to college: Make the most of GI Bill benefits

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    The new GI Bill is the most generous education benefit since WWII. Use the Department of Veterans Affairs tool to make informed decisions when using those hard-earned benefits. 

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    Considering a pension advance? Avoid these traps

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    Many people depend on a pension to cover day-to-day as well as occasional unexpected expenses. Learn how to protect yours.

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    Can debt collectors take your Social Security or VA benefits?

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    Generally, a debt collector cannot take funds from your Social Security or VA benefits directly from your bank account or prepaid card.  

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    Know your Social Security benefits before deciding to retire

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    Our Planning for Retirement interactive tool can help you make an informed decision about when to claim Social Security and what to expect.

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    Are you a professional looking for resources to help servicemembers, veterans, and families?

    See more tools and resources to use with the people you serve

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    Money as You Grow: +
    Help for parents and caregivers +

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    No need to be a money expert—the tips and activities here can help your children’s money skills, habits, and attitudes grow.

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    Build your child's money skills

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    See if your child is reaching age-appropriate money milestones. Then, find activities and conversation starters that can keep your child on track.

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    Talk about money choices

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    Wondering if it’s the right time to talk to your child about a money topic that’s on your mind? It’s not too early—or too late! See how to adapt the conversation to where your child is, developmentally.

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    Read together

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    Money as You Grow Bookshelf can help you weave money skills into the time you may already spend reading to your kids at home, in a way they'll understand.

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    Meet the Money Monsters

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    These Money Monster stories introduce children to ideas, habits, and activities that they'll need as they grow up and start to manage money.

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    See more research, outreach, and engagement tools for children and youth

    See more resources to use with the people you serve

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    Sources and acknowledgements

    The content and activities for parents and caregivers are based on and adapted, with permission, from Money as You Grow. We are grateful to Beth Kobliner and all those who made Money as You Grow possible.

    Money as You Grow was recommended as an initiative by the President's Advisory Council on Financial Capability , chaired by John W. Rogers and vice-chaired by Amy Rosen. The initiative, developed by Beth Kobliner, chair of the Council's Money as You Grow working group, offered essential, age-appropriate financial lessons—with corresponding activities—that kids need to know as they grow. Written in down-to-earth language for children and their families, Money as You Grow helped equip kids with the knowledge they need to live fiscally fit lives. The lessons in Money as You Grow were based on more than a year of research, and drawn from dozens of standards, curricula, and academic studies.

    The CFPB researched the way children develop the abilities and attributes  that contribute to their financial well-being in adulthood. Additional research identified milestones for developing financial capability, and ways to measure it. With support from the Corporation for Enterprise Development and researchers from University of Wisconsin–Madison and University of Maryland, Baltimore County, we developed a framework that connects Money as You Grow activities to children’s financial developmental stages. With that framework in mind, we have updated and adapted the Money as You Grow activities and content.

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    + Money transfers key terms +

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    + Automated Clearing House (ACH) + +
    +
    +

    An ACH is an electronic fund transfer made between banks and credit unions across what is called the Automated Clearing House network.

    ACH is used for all kinds of fund transfer transactions, including direct deposit of paychecks and monthly debits for routine payments. Merchants often enable consumers to pay bills via ACH by providing an account number and bank routing number. A number of online payment services also conduct transactions via ACH, including most banks and credit unions’ online bill payment services.

    + Read more +
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    + Remittance transfer + +
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    Federal law defines “remittance transfers” as most electronic money transfers from consumers in the United States through “remittance transfer providers” to recipients abroad.

    Remittance transfers are commonly known as “international wires,” “international money transfers,” or “remittances.” Under federal law, remittance transfers do not include transfers of less than $15.

    + Read more +
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    + Remittance transfer provider + +
    +
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    Under federal law, a remittance transfer provider is a business that transfers money electronically for consumers to people and businesses in foreign countries. These companies include many money transmitters, banks, and credit unions, and possibly other types of financial services companies.

    + Read more +
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    + Virtual currencies + +
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    Virtual currencies, such as Bitcoin, are a way for people to track, store, and send value over the Internet. Some people and businesses accept them as a form of payment, treating virtual currencies like a foreign currency or form of money – though virtual currencies are not backed by a government or central bank.

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    + Wire transfer + +
    +
    +

    The term “wire transfer” is often used to refer to any electronic transfer of money from one person to another.

    The term “wire transfer” also has a more narrow technical meaning, referring to one certain method of transferring funds, which usually involves an electronic transfer of funds from one bank or credit union account to another. In general, wire transfers that are made by consumers from the United States to other countries are considered "remittance transfers" under federal law.

    + Read more +
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    + Mortgages key terms +

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    + 5/1 Adjustable Rate Mortgage + +
    +
    +

    A 5/1 adjustable rate mortgage (ARM) or 5-year ARM is a mortgage loan where “5” is the number of years your initial interest rate will stay fixed. The “1” represents how often your interest rate will adjust after the initial five-year period ends. The most common fixed periods are 3, 5, 7, and 10 years and “1,” is the most common adjustment period. It’s important to carefully read the contract and ask questions if you’re considering an ARM.

    Learn more about how adjustable rates change. 

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    + Ability-to-repay rule + +
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    The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan. 

    + Read more +
    +
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    + Adjustable Rate Mortgage (ARM) + +
    +
    +

    An adjustable rate mortgage (ARM) is a type of loan for which the interest rate can change, usually in relation to an index interest rate. Your monthly payment will go up or down depending on the loan’s introductory period, rate caps, and the index interest rate. With an ARM, the interest rate and monthly payment may start out lower than for a fixed-rate mortgage, but both the interest rate and monthly payment can increase substantially. 

    Learn more about how ARMs work and what to consider.

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    + Amortization + +
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    +

    Amortization means paying off a loan with regular payments over time, so that the amount you owe decreases with each payment. Most home loans amortize, but some mortgage loans do not fully amortize, meaning that you would still owe money after making all of your payments.

    Some home loans allow payments that cover only the amount of interest due, or an amount less than the interest due. If payments are less than the amount of interest due each month, the mortgage balance will grow rather than decrease.  This is called negative amortization. Other loan programs that do not amortize fully during the loan may require a large, lump sum “balloon” payment at the end of the loan term. Be sure you know what type of loan you are getting.

    Learn more about the homebuying process.

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    + Amount financed + +
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    It means the amount of money you are borrowing from the lender, minus most of the upfront fees the lender is charging you. 

    + Read more +
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    + Annual income + +
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    +

    Annual income is a factor in a mortgage loan application and generally refers to your total earned, pre-tax income over a year. Annual income may include income from full-time or part-time work, self-employment, tips, commissions, overtime, bonuses, or other sources.  A lender will use information about your annual income and your existing monthly debts to determine if you have the ability to repay the loan.

    Whether a lender will rely upon a specific income source or amount when considering you for a loan will often depend upon whether you can reasonably expect the income to continue.

    Learn more about why your ability to repay is important to lenders.

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    + Annual Percentage Rate (APR) + +
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    An annual percentage rate (APR) is a broader measure of the cost of borrowing money than the interest rate. The APR reflects the interest rate, any points, mortgage broker fees, and other charges that you pay to get the loan. For that reason, your APR is usually higher than your interest rate.

    Learn how to compare APRs 

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    + Appraisal fee + +
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    An appraisal fee is the cost of a home appraisal of a house you plan to buy or already own. Home appraisals provide an independent assessment of the value of the property. In most cases, the selection of the appraiser and any associated costs is up to your lender.

    Learn more about the homebuying process.

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    + Automatic payment + +
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    Automatic payments allow you to set up recurring mortgage payments through your bank. Automatic payments can be a convenient way to make sure that you make your payments on time. 

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    + Balloon loan + +
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    For mortgages, a balloon loan means that the loan has a larger-than-usual, one-time payment, typically at the end of the loan term. This one-time payment is called a “balloon payment, and it is higher than your other payments, sometimes much higher. If you cannot pay the balloon amount, you might have to refinance, sell your home, or face foreclosure. 

    Find out why balloon loans might be risky. 

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    + Bi-weekly payment + +
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    In a bi-weekly payment plan, the mortgage servicer is collecting half of your monthly payment every two weeks, +resulting in 26 payments over the course of the year (totaling one extra +monthly payment per year). By making additional payments and applying your payments to the principal, you may be able to pay off your loan early. Before choosing a bi-weekly payment, be sure to review your loan terms to see if you will be subject to a prepayment penalty if you do so. Check if your servicer charges any fees for a bi-weekly payment plan. You may be able to accomplish the same goal without the fee by making an extra monthly mortgage payment each year.

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    + Closing Disclosure + +
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    A Closing Disclosure is a required five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage.

    Learn how to double-check that all the details about your loan are correct on your closing disclosure.

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    + Construction loan + +
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    A construction loan is usually a short-term loan that provides funds to cover the cost of building or rehabilitating a home.

    + Read more +
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    + Conventional loan + +
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    +

    A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

    Learn more about conventional loans and other loan types.

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    + Co-signer or co-borrower + +
    +
    +

    A co-signer or co-borrower is someone who agrees to take full responsibility to pay back a mortgage loan with you. This person is obligated to pay any missed payments and even the full amount of the loan if you don’t pay. Some mortgage programs distinguish a co-signer as someone who is not on the title and does not have any ownership interest in the mortgaged home. Having a co-signer or co-borrower on your mortgage loan gives your lender additional assurance that the loan will be repaid. But your co-signer or co-borrower’s credit record and finances are at risk if you don’t repay the loan.

    Learn more about the homebuying process.

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    + Credit history + +
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    A credit history is a record of your credit accounts and your history of paying on time as shown in your credit report. Consumer reporting companies, also known as credit reporting companies, collect and update information about your credit record and provide it to other businesses, which use it make decisions about you. Credit reports have information about your credit activity and current credit situation such as your loan paying history and the status of your credit accounts.

    Learn more about checking your credit history before buying a home.

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    + Credit report + +
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    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Lenders use your credit scores and the information on your credit report to determine whether you qualify for a loan and what interest rate to offer you.

    Find out how to get a copy of your credit reports.

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    + Credit score + +
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    A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. There are different scoring models, so you do not have just one credit score. Your scores depend on your credit history, the type of loan product, and even the day when it was calculated.

    Find out where you can get your credit score.

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    + Debt ratio + +
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    Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.

    Learn how to calculate your debt-to-income ratio.

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    + Deed-in-lieu of foreclosure + +
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    A deed-in-lieu of foreclosure is an arrangement where you voluntarily turn over ownership of your home to the lender to avoid the foreclosure process. A deed-in-lieu of foreclosure may help you avoid being personally liable for any amount remaining on the mortgage. If you live in a state in which you are responsible for any deficiency, which is a difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records. A deed-in-lieu of foreclosure is one type of loss mitigation.

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    + Delinquent + +
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    Delinquent is another term for being late on your payments. Your loan can become delinquent when you miss a payment or don’t make a full payment by the due date. After you are delinquent for a certain period of time, a lender or servicer may begin the foreclosure process. The amount of time can vary by state.

    Federal rules may also apply to when the foreclosure may start. Learn more about your options if you can’t pay your mortgage.

    Get more information about mortgage relief options.

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    + Demand feature + +
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    The Closing Disclosure has a statement that reads "Your loan has a demand feature," which is checked "yes" or "no." A demand feature permits the lender to require early repayment of the loan.

    + Read more +
    +
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    + Down payment + +
    +
    +

    A down payment is the amount you pay toward the home upfront. You put a percentage of the home’s value down and borrow the rest through your mortgage loan. Generally, the larger the down payment you make, the lower the interest rate you will receive and the more likely you are to be approved for a loan. 

    Learn more about determining your down payment.

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    + Down payment programs or grants + +
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    A down payment grant or program typically refers to assistance provided by an organization such as a government or non-profit agency, to a homebuyer to assist them with the down payment for a home purchase. The funds may be provided as an outright grant or may require repayment, such as when the home is sold.

    Understand where you can get information on down payment programs and grants.

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    + Earnest money + +
    +
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    Earnest money is a deposit a buyer pays to show good faith on a signed contract agreement to buy a home. The deposit is held by a seller or third party like a real estate agent or title company. If the home sale is finalized or “closed” the earnest money may be applied to closing costs or the down payment. If the contract is terminated for a permissible reason, the earnest money is returned to the buyer. If the buyer does not perform in good faith, the earnest money may be forfeited and paid out to the seller.

    Learn more about the homebuying process.

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    + Equity + +
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    Equity is the amount your property is currently worth minus the amount of any existing mortgage on your property. 

    Learn what a home equity loan is.

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    + Escrow + +
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    An escrow account is set up by your mortgage lender to pay certain property-related expenses, like property taxes and homeowner’s insurance. A portion of your monthly payment goes into the account.  If your mortgage doesn’t have an escrow account, you pay the property-related expenses directly.

    Find out more about how the escrow impacts your monthly mortgage payment.

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    + Fannie Mae + +
    +
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    The Federal National Mortgage Association (Fannie Mae) purchases and guarantees mortgages from lending institutions in an effort to increase affordable lending. Fannie Mae is not a federal agency. It is a government-sponsored enterprise under the conservatorship of the Federal Housing Finance Agency (FHFA).

    Learn more about conventional loans.

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    + FHA funding fee + +
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    The Federal Housing Administration (FHA) requires an FHA funding fee and a monthly insurance premium (MIP) for most of its single-family programs. This upfront mortgage insurance premium is sometimes called an upfront mortgage insurance premium (UFMIP).

    Find out if an FHA mortgage is right for you.

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    + FHA loan + +
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    FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). FHA loans differ from conventional loans because they allow for lower credit scores and down payments as low as 3.5 percent of the total loan amount. Maximum loan amounts vary by county. 

    Learn about this and other mortgage loan options.

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    + FHA mortgage limits + +
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    FHA mortgage limits are the dollar amount limits for qualifying mortgages that the FHA will insure as part of its single-family home mortgage program. These limits are based upon location and they may be revised each year.

    Use the FHA’s tool to look up your county-level loan limits .

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    + Finance charge + +
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    A finance charge is the total amount of interest and loan charges you would pay over the entire life of the mortgage loan.

    + Read more +
    +
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    + First-time home buyers (FTHB) loan programs + +
    +
    +

    First-time home buyers (FTHB) may use a number of different types of loan programs to purchase their first home. Popular FTHB loans include programs offered by FHA, VA, USDA, Fannie Mae, and Freddie Mac with low down payments. Some programs define a FTHB as someone who hasn’t purchased a home in three years or more.

    Understand your loan options.

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    + Fixed-rate mortgage + +
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    A fixed-rate mortgage is a type of home loan for which the interest rate is set when you take out the loan and it will not change during the term of the loan.

    Learn more about how fixed-rate mortgages work and what to consider.

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    + Forbearance + +
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    Forbearance is when your servicer allows you temporarily to pay your mortgage at a lower rate or temporarily to stop paying your mortgage. Your servicer may grant you forbearance if, for example, you recently lost your job, suffered from a disaster, or from an illness or injury that increased your health care costs. Forbearance is a type of loss mitigation.

    Learn more about mortgage forbearance

    Depending on the kind of loan you have, there may be different forbearance options. You must contact your loan servicer to request forbearance. Remember that you will have to make up these missed or reduced payments when your forbearance period is over.

    Get more information about mortgage relief options.

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    + Force-placed insurance + +
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    Your servicer may require force-placed insurance when you do not have your own insurance policy or if your own policy doesn’t meet your servicer’s requirements. Force-placed insurance usually protects only the lender, not you. The servicer will charge you for the insurance. Force-placed insurance is usually more expensive than finding an insurance policy yourself.

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    + Foreclosure + +
    +
    +

    Foreclosure is when the lender or servicer takes back property after the homeowner fails to make mortgage payments. In some states, the lender has to go to court to foreclose on your property (judicial foreclosure), but other states do not require a court process (non-judicial foreclosure). Generally, borrowers must be notified if the lender or servicer begins foreclosure proceedings. Federal rules may apply to when the foreclosure may start.
    If you’re concerned about foreclosure, learn how to get help.

    Get more information about mortgage relief options.

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    + Freddie Mac + +
    +
    +

    The Federal Home Loan Mortgage Corporation (Freddie Mac) is a private corporation founded by Congress. Its mission is to promote stability and affordability in the housing market by purchasing mortgages from banks and other loan makers. The corporation is currently under conservatorship, under the direction of the Federal Housing Finance Agency (FHFA).

    Learn more about conventional loans.

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    + Good Faith Estimate + +
    +
    +

    A Good Faith Estimate (GFE) is a form that a lender must give you when you apply for a reverse mortgage. The GFE lists basic information about the terms of the reverse mortgage loan offer. 

    Find out when you’d receive a Good Faith Estimate.

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    + Government recording charges + +
    +
    +

    Government recording charges are fees assessed by state and local government agencies for legally recording your deed, mortgage and documents related to your home loan. 

    + Read more +
    +
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    + Higher-priced mortgage loan + +
    +
    + In general, a higher-priced mortgage loan is one with an annual percentage rate, or APR, higher than a benchmark rate called the Average Prime Offer Rate. + Read more +
    +
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    + HOA dues + +
    +
    +

    If you’re interested in buying a condo, co-op, or a home in a planned subdivision or other organized community with shared services, you usually have to pay condo fees or Homeowners’ Association (HOA) dues. These fees vary widely. Condo or HOA fees are usually paid separately from your monthly mortgage payment. If you do not pay these fees, you can face debt collection efforts by the homeowner’s association and even foreclosure.

    Learn more about the homebuying process.

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    + Home appraisal + +
    +
    +

    An appraisal is a written document that shows an opinion of how much a property is worth. The appraisal gives you useful information about the property. It describes what makes it valuable and may show how it compares to other properties in the neighborhood. An appraisal is an independent assessment of the value of the property. 

    Learn more about why appraisals are important.

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    + Home equity line of credit (HELOC) + +
    +
    +

    A home equity line of credit (HELOC) is a line of credit that allows you to borrow against your home equity. Equity is the amount your property is currently worth, minus the amount of any mortgage on your property. Unlike a home equity loan, HELOCs usually have adjustable interest rates. For most HELOCs, you will receive special checks or a credit card, and you can borrow money for a specified time from when you open your account. This time period is known as the “draw period.” During the “draw period,” you can borrow money, and you must make minimum payments. When the “draw period” ends, you will no longer be able to borrow money from your line of credit. After the “draw period” ends you may be required to pay off your balance all at once or you may be allowed to repay over a certain period of time. If you cannot pay back the HELOC, the lender could foreclose on your home. 

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    + Home equity loan + +
    +
    +

    A home equity loan (sometimes called a HEL) allows you to borrow money using the equity in your home as collateral. Equity is the amount your property is currently worth, minus the amount of any existing mortgage on your property.  You receive the money from a home equity loan as a lump sum. A home equity loan usually has a fixed interest rate – one that will not change. If you cannot pay back the HEL, the lender could foreclose on your home. 

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    + Home inspection + +
    +
    +

    A home inspection is often part of the home buying process. You typically have the right to hire a home inspector to examine a property and point out its strengths and weaknesses. This is often especially helpful to test a home’s structural and mechanical systems including heating, ventilation, air conditioning, and electrical.

    Learn how to schedule an inspection.

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    + Homeowners’ Association (HOA) + +
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    +

    A homeowners’ association (HOA), is typically formed to manage shared expenses such as landscaping and other maintenance costs for a planned subdivision or other organized community. Condominium HOAs take on more responsibilities including, for example, the maintenance of driveways, shared structures, and roofs.

    Get more information on how HOAs may appear on your mortgage statement.

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    + Homeowner's insurance + +
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    +

    Homeowner’s insurance pays for losses and damage to your property if something unexpected happens, like a fire or burglary. When you have a mortgage, your lender wants to make sure your property is protected by insurance. That’s why lenders generally require proof that you have homeowner’s insurance. Homeowner’s insurance is not the same as mortgage insurance.

    Learn more about the homebuying process.

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    + Home purchase price + +
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    A home’s purchase price is the amount agreed to by the buyer and seller to be paid to the seller to purchase the home.

    Learn more about finding the right home.

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    + HUD + +
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    +

    The Department of Housing and Urban Development (HUD) is a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. A HUD-approved housing counseling agency can provide you with homebuyer counseling to help you understand and evaluate your options.

    Find a HUD-approved housing counseling agency.

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    + HUD-1 settlement statement + +
    +
    +

    The HUD-1 Settlement Statement lists all charges and credits to the buyer and to the seller in a real estate settlement, or all the charges in a mortgage refinance. You receive a HUD-1 if you apply for a reverse mortgage or if you applied for a mortgage on or before October 3, 2015. 

    Find out when you’d receive a HUD-1.

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    + Index + +
    +
    +

    The index is a benchmark interest rate that reflects general market conditions. The index changes based on the market. Changes in the index, along with your loan’s margin, determine the changes to the interest rate for an adjustable-rate mortgage loan.

    Understand how the index factors into the interest rate for an adjustable-rate mortgage loan.

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    + Initial adjustment cap + +
    +
    +

    An initial adjustment cap is typically associated with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase the first time it adjusts after the fixed-rate period expires. It’s common for this cap to be either two or five percent – meaning that at the first rate change, the new rate can’t be more than two (or five) percentage points higher than the initial rate during the fixed-rate period.

    Understand how the index factors into adjustable-rate mortgage loans.

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    + Initial escrow deposit + +
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    +

    An initial escrow deposit is the amount that you will pay at closing to start your escrow account, if required by your lender. 

    + Read more +
    +
    +
    +
    + Interest-only loan + +
    +
    +

    An interest-only mortgage is a loan with scheduled payments that require you to pay only the interest for a specified amount of time. 

    + Read more +
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    +
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    + Interest rate + +
    +
    +

    An interest rate on a mortgage loan is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges you may have to pay for the loan. For example, if the mortgage loan is for $100,000 at an interest rate of 4 percent, that consumer has agreed to pay $4,000 each year he or she borrows or owes that full amount.

    Explore interest rates in your area.

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    + Interest rate cap + +
    +
    +

    An interest rate cap, sometimes referred to as an annual cap, is the maximum interest rate increase that can occur annually for an adjustable rate mortgage (ARM) even if the rate would have increased more under market interest rates. For example, if this cap is two percent, the new rate can’t be more than two percentage points higher than the previous rate.

    Understand how lenders use the index and margin to adjust your interest rate. 

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    + Jumbo loan + +
    +
    +

    Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans that they will buy from lenders. 

    + Read more +
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    +
    +
    + Lenders title insurance + +
    +
    +

    Lender’s title insurance protects your lender against problems with the title to your property-such as someone with a legal claim against the home. Lender’s title insurance only protects the lender against problems with the title. To protect yourself, you may want to purchase owner’s title insurance.

    + Read more +
    +
    +
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    + Lifetime adjustment cap + +
    +
    +

    A lifetime adjustment cap is typically used with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase in total, over the life of the loan. For example, if this cap is five percent, that means the rate can never be five percentage points higher than the initial rate. Some lenders may have a different or higher cap.

    Understand how the index factors into adjustable-rate mortgage loans.

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    + Loan assumption + +
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    +

    Loan assumption happens when a buyer takes over the mortgage from a seller when they purchase the seller’s home. The buyer takes over the remaining balance owed on the seller’s mortgage, on the original loan terms—for example, the interest rate and the remaining length of the mortgage. A loan assumption might make financial sense when new mortgages are being offered at higher interest rates than when the seller originally took out their mortgage.

    The difference between the home’s sale price and the balance on the assumed loan equals the amount the buyer needs to pay, either out of pocket or by taking out their own mortgage loan.

    To take over the mortgage, the homebuyer needs to qualify for the loan assumption. Qualifying is usually based on a review of the buyer’s credit and income, similar to qualifying for a new mortgage.

    Loan assumption could also apply when you receive the title to a property that has a mortgage – for example, after a death or divorce.

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    + Loan deferment + +
    +
    +

    Borrowers who are struggling to make payments on a mortgage generally have the right to ask the mortgage servicer for help. The servicer can agree to a loan deferment, which allows the borrower to avoid foreclosure by postponing their overdue mortgage payments. The deferred amount comes due when the borrower refinances the loan or sells the home, or the mortgage ends in another way.

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    + Loan estimate + +
    +
    +

    A Loan Estimate is a three-page form that you receive after applying for a mortgage. 

    + Read more +
    +
    +
    +
    + Loan modification + +
    +
    +

    A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. A modification can reduce your monthly payment to an amount you can afford. Modifications may involve extending the number of years you have to repay the loan, reducing your interest rate, and/or forbearing or reducing your principal balance. If you are offered a loan modification, be sure you know how it will change your monthly payments and the total amount that you will owe in the short-term and the long-term.

    Learn more about mortgage loan modification

    Get more information about mortgage relief options.

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    + Loan-to-value ratio + +
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    +

    The loan-to-value (LTV) ratio is a measure comparing the amount of your mortgage with the appraised value of the property. The higher your down payment, the lower your LTV ratio. Mortgage lenders may use the LTV in deciding whether to lend to you and to determine if they will require private mortgage insurance.  

    Learn how your loan-to-value ratio relates to your costs.

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    + Loss mitigation + +
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    +

    Loss mitigation refers to the steps mortgage servicers take to work with a mortgage borrower to avoid foreclosure. Loss mitigation refers to a servicer’s responsibility to reduce or “mitigate” the loss to the investor that can come from a foreclosure. Certain loss-mitigation options may help you stay in your home. Other options may help you leave your home without going through foreclosure. Loss mitigation options may include deed-in-lieu of foreclosure, forbearance, repayment plan, short sale, or a loan modification. 

    If you are having trouble making your mortgage payments, or if you have been offered and are considering various loss mitigation options, reach out to a Department of Housing and Urban Development (HUD)-approved housing counseling agency.  

    You can use the CFPB's "Find a Counselor" tool to get a list of housing counseling agencies in your area that are approved by HUD. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    Get more information about mortgage relief options.

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    +
    +
    +
    + Margin + +
    +
    +

    The margin is the number of percentage points added to the index by the mortgage lender to set your interest rate on an adjustable-rate mortgage (ARM) after the initial rate period ends. The margin is set in your loan agreement and won't change after closing. The margin amount depends on the particular lender and loan. 

    Understand how the margin factors into an adjustable-rate mortgage loan.

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    +
    + Monthly expenses + +
    +
    +

    This is how much you spend every month. It can include, but is not limited to, recurring obligations like rent or mortgage payment, utilities, car payments, child support payments, and insurance payments, as well as essentials like food. Most of these obligations will have a fixed due date.

    Assess your monthly spending with this spending tracker.

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    +
    +
    +
    + Mortgage + +
    +
    +

    A mortgage is an agreement between you and a lender that allows you to borrow money to purchase or refinance a home and gives the lender the right to take your property if you fail to repay the money you've borrowed.

    If you are ready to take out a mortgage, learn more about buying a house.

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    + Mortgage closing checklist + +
    +
    +

    A mortgage closing checklist is a list of steps that you can use to prepare and learn what to expect.  It can help you identify key questions to ask ahead of time so that you can close with confidence.

    Use this worksheet to prepare for closing.

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    + Mortgage closing costs + +
    +
    +

    Mortgage closing costs are all of the costs you will pay at closing. This includes origination charges, appraisal fees, credit report costs, title insurance fees, and any other fees required by your lender or paid as part of a real estate mortgage transaction. Lenders are required to provide a summary of these costs to you in the Loan Estimate.

    Learn more about what happens at closing.

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    + Mortgage insurance + +
    +
    +

    Mortgage insurance protects the lender if you fall behind on your payments. Mortgage insurance is typically required if your down payment is less than 20 percent of the property value. Mortgage insurance also is typically required on FHA and USDA loans. However, if you have a conventional loan and your down payment is less than 20 percent, you will most likely have private mortgage insurance (PMI). 

    Understand how mortgage insurance works

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    + Mortgage loan modification + +
    +
    +

    A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. 

    + Read more +
    +
    +
    +
    + Mortgage refinance + +
    +
    +

    Mortgage refinance is when you take out a new loan to pay off and replace your old loan. Common reasons to refinance are to lower the monthly interest rate, lower the mortgage payment, or to borrow additional money. When you refinance, you usually have to pay closing costs and fees. If you refinance and get a lower monthly payment, make sure you understand how much of the reduction is from a lower interest rate and how much is because your loan term is longer.

    Should I refinance?

    A Consumer’s Guide to Mortgage Refinancings

    Your Home Loan Toolkit

    Consumer Handbook on Adjustable-Rate Mortgages

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    + Mortgage term + +
    +
    +

    The term of your mortgage loan is how long you have to repay the loan. For most types of homes, mortgage terms are typically 15, 20 or 30 years. 

    Explore loan term options.

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    +
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    + Origination Fee + +
    +
    +

    An origination fee is what the lender charges the borrower for making the mortgage loan.  The origination fee may include processing the application, underwriting and funding the loan, and other administrative services. Origination fees generally can only increase under certain circumstances. 

    Learn more about the costs of mortgage origination.

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    + Owner's title insurance + +
    +
    +

    Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the home from before the homeowner purchased it. 

    + Read more +
    +
    +
    +
    + Pace financing + +
    +
    +

    PACE financing provides a way to fund energy efficiency home improvements. 

    + Read more +
    +
    +
    +
    + Partial claim + +
    +
    +

    A partial claim is a way to use mortgage insurance to help a struggling homeowner avoid foreclosure. The mortgage servicer makes a claim against the mortgage insurance for the amount of any missed mortgage payments, and the insurer sets aside the money in a separate account. Then, when the borrower refinances the mortgage, sells the home, or otherwise terminates the mortgage, the partial claim amount is paid out to the mortgage servicer. Sometimes, the partial claim amount does not cover the full amount of the missed payments, and in those cases the borrower must pay the difference.

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    + Payoff amount + +
    +
    +

    Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance. Your current balance might not reflect how much you actually have to pay to completely satisfy the loan. Your payoff amount also includes the payment of any interest you owe through the day you intend to pay off your loan. The payoff amount may also include other fees you have incurred and have not yet paid. 

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    + PCS orders + +
    +
    +

    Active duty servicemembers may be given permanent change of station (PCS) orders. PCS orders are an official relocation of a servicemember (and any family living with them) to a different duty location.  If the servicemember owns a home, they may choose to sell it. If the servicemember owes more on the home than the home is worth, they may have trouble selling their home. Some servicers offer programs to allow servicemembers to sell their home and not have to pay back the rest of the loan balance. Visit servicemember resources for more information.

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    + PITI + +
    +
    +

    Principal, Interest, Taxes, and Insurance, known as PITI, are the four basic elements of a monthly mortgage payment. 

    + Read more +
    +
    +
    +
    + PMI + +
    +
    +

    Private Mortgage Insurance (PMI) is a type of mortgage insurance that benefits your lender.  You might be required to pay for PMI if your down payment is less than 20 percent of the property value and you have a conventional loan. You may be able to cancel PMI once you’ve accumulated a certain amount of equity in your home.

    Understand more about when PMI is required

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    + Prepaid interest charges + +
    +
    +

    Prepaid interest charges are charges due at closing for any daily interest that accrues on your loan between the date you close on your mortgage loan and the period covered by your first monthly mortgage payment. 

    + Read more +
    +
    +
    +
    + Prepayment penalty + +
    +
    +

    A prepayment penalty is a fee that some lenders charge if you pay off all or part of your mortgage early. If you have a prepayment penalty, you would have agreed to this when you closed on your home. Not all mortgages have a prepayment penalty.

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    + Principal + +
    +
    +

    The principal is the amount of a mortgage loan that you have to pay back. Your monthly payment includes a portion of that principal. When a payment on the principal is made, the borrower owes less, and will pay less interest based upon a lower loan size.

    Understand the difference between the interest rate and principal.

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    + Property taxes + +
    +
    +

    Property taxes are taxes charged by local jurisdictions, typically at the county level, based upon the value of the property being taxed. Often, property taxes are collected within the homeowner’s monthly mortgage payment, and then paid to the relevant jurisdiction one or more times each year. This is called an escrow account. If the loan does not have an escrow account, then the homeowner will pay the property taxes directly.

    Learn more about the homebuying process.

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    +
    +
    + Qualified mortgage + +
    +
    + A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan. + Read more +
    +
    +
    +
    + Qualified Written Request (QWR) + +
    +
    +

    A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information.

    + Read more +
    +
    +
    +
    + Repayment plan + +
    +
    +

    A repayment plan is a structured way to make up your missed mortgage loan payments over a certain period of time. This is a type of loss mitigation. If you have trouble making your mortgage payments, your lender or servicer may allow you to enter into a repayment plan. Before entering into a repayment plan, make sure you understand the requirements of the plan and whether you will be able to make the new payments.

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    + Reverse mortgage + +
    +
    +

    A reverse mortgage allows homeowners age 62 or older to borrow against their home equity. It is called a “reverse” mortgage because, instead of making payments to the lender, you receive money from the lender. The money you receive, and the interest charged on the loan, increases the balance of your loan each month. Most reverse mortgages today are called HECMs, short for Home Equity Conversion Mortgage.

    Find out what you should consider before applying for a reverse mortgage.

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    +
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    + Right of rescission + +
    +
    +

    The right of rescission refers to the right of a consumer to cancel certain types of loans. If you are buying a home with a mortgage, you do not have a right to cancel the loan once the closing documents are signed. However, if you are refinancing a mortgage, you have until midnight of the third business day after the transaction to rescind (cancel) the mortgage contract. The three-day clock does not start until you sign the credit contract (usually called the promissory note), you receive a Truth in Lending disclosure form, and you receive two copies of a notice explaining your right to rescind.   

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    + Second mortgage + +
    +
    +

    A second mortgage or junior lien is a loan you take out using your house as collateral while you still have another loan secured by your house.

    Learn more about second mortgages.

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    +
    +
    +
    + Security interest + +
    +
    +

    The security interest is what lets the lender foreclose if you don't pay back the money you borrowed.

    + Read more +
    +
    +
    +
    + Seller financing + +
    +
    +

    Seller financing is a loan that the seller of your home makes to you. 

    +
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    + Servicer + +
    +
    +

    Your mortgage servicer is the company that sends you your mortgage statements. Your servicer also handles the day-to-day tasks of managing your loan.

    Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, and manages your escrow account (if you have one). The loan servicer may initiate foreclosure under certain circumstances. Your servicer may or may not be the same company that originally gave you your loan.

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    + Shared appreciation mortgage + +
    +
    +

    Under a shared appreciation mortgage, you agree to give your lender a share of any increase in the value of your home. 

    + Read more +
    +
    +
    +
    + Short sale + +
    +
    +

    A short sale is a sale of your home for less than what you owe on your mortgage. A short sale is an alternative to foreclosure, but because it is a sale, you will have to leave your home. If your lender or servicer agrees to a short sale, you may be able to sell your home to pay off your mortgage, even if the sale price or proceeds turn out to be less than the balance remaining on your mortgage. A short sale is a type of loss mitigation. If you live in a state in which you are responsible for any deficiency, which is the difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records.

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    +
    +
    + Subprime mortgage + +
    +
    +

    When lenders use the term, they generally mean a loan program for borrowers who do not qualify for a prime loan, often with a higher interest rate.

    Learn more about the homebuying process.

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    +
    +
    +
    + Survey + +
    +
    +

    A survey is a drawing of your property showing the location of the lot, the house and any other structures, as well as any improvements on the property.

    + Read more +
    +
    +
    +
    + Title service fees + +
    +
    +

    Title service fees are part of the closing costs you pay when getting a mortgage. When you purchase a home, you receive a document most often called a deed, which shows the seller transferred their legal ownership, or “title,” to the home to you. Title service fees are costs associated with issuing a title insurance policy for the lender.  

    + Read more +
    +
    +
    +
    + Total interest percentage (TIP) + +
    +
    +

    The Total Interest Percentage (TIP) is a disclosure that tells you how much interest you will pay over the life of your mortgage loan.

    + Read more +
    +
    +
    +
    + Total of payments + +
    +
    +

    This number tells you the total amount of money you will have paid over the life of your mortgage.

    + Read more +
    +
    +
    +
    + TRID + +
    +
    +

    "TRID" is an acronym that some people use to refer to the TILA RESPA Integrated Disclosure rule.

    + Read more +
    +
    +
    +
    + USDA Loan + +
    +
    +

    The Rural Housing Service, part of the U.S. Department of Agriculture (USDA) offers mortgage programs with no down payment and generally favorable interest rates to rural homebuyers who meet the USDA’s income eligibility requirements.

    Learn more about this and other special loan programs.

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    + VA loan + +
    +
    +

    A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help servicemembers, veterans, and eligible surviving spouses buy homes.  The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence.

    If you’re a veteran, find out if a VA loan is the right fit for you.

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    + ACH authorization + +
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    An Automated Clearing House (ACH) authorization is a payment authorization that gives the lender permission to electronically take money from your bank, credit union, or prepaid card account when your payment is due. You can revoke this authorization.

    +
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    + Annual Percentage Rate (APR) + +
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    +

    The Annual Percentage Rate (APR) is the annual cost of credit, including fees, expressed as a percentage. The APR is a broader measure of the cost to you of borrowing money since it reflects not only the interest rate but also the fees that you have to pay to get the loan. The higher the APR, the more you’ll pay over the life of the loan.

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    + Deposit advance + +
    +
    +

    Deposit advances are short-term, high-cost loans. With deposit +advance, banks and credit unions will usually pay themselves back automatically +when the next electronic deposit to the customer’s account is made, regardless +of source.

    +If the amount of the +incoming deposit is not enough to pay back the loan, the bank or credit union +will repay itself out of subsequent deposits. Typically, if any loan balance +remains after 35 days, the bank or credit union will automatically charge the +customer’s account for the remaining balance, even if that causes the account +to become overdrawn. +
    +
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    + Lead generators + +
    +
    +

    Lead generators are websites that collect your information - +including your Social Security and checking account numbers - and then send +your request for a payday loan to network of lenders. Your application will +then be sold to the lender that offers to make you a loan. Lead generators +might not find you the lowest cost loans, and you should be cautious of sites +that promise they will.

    +
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    + Military Lending Act (MLA) + +
    +
    +

    The Military Lending Act (MLA) is a Federal law that provides special protections for active duty servicemembers like capping interest rates and fees on many loan products. MLA says that you can’t be charged an interest rate more than a 36 percent Military APR, which includes certain fees, on most types of consumer loans. The MLA applies to active-duty servicemembers, including those on active Guard or active Reserve duty, and covered dependents. Payday loans are covered under MLA.

    +
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    + Non-sufficient funds (NSF) fee + +
    +
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    An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account. This is commonly referred to as a “returned” or “bounced” check.

    +
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    + Online payday loan lender + +
    +
    +

    Some payday loan services are available through online lenders. Loan applications are completed on a lender’s website and funds are transferred by direct deposit. When it’s time to repay, the lender will take money from your bank account with via an ACH debit. Payday loans are typically a single payment loan, but if the loan requires multiple payments, the online lender will need to obtain an ACH authorization from you and provide you with a copy of terms of the authorization.

    +
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    + Renewal or rollover loan + +
    +
    +

    Some payday lenders give borrowers the option to renew or rollover their loans if they cannot afford to pay off the loan when it’s due. However, many states limit or ban these renewals or rollovers. Generally, renewing or rolling over a payday loan means you pay a fee to delay paying back the loan. This fee does not reduce the amount you owe. You will still owe the principal and fees for the rollover.

    +
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    + Repayment plan + +
    +
    +

    A repayment plan lets you repay the loan in smaller installments over a longer period of time. Whether you can get an extended repayment plan will depend on your state law or on the payday lender’s policy. This repayment plan may be offered for free or it might carry an additional fee.

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    + Prepaid cards key terms +

    +
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    + Additional card fee + +
    +
    +

    Some prepaid providers let you get an extra card for another person you designate as an “authorized user” of your card. That card lets someone else spend your money, so you want to think carefully about whether to add an authorized user to your prepaid account. You may have to pay a fee for the additional card. 

    Any new authorized users will have to register online or call customer service to verify their identity. 

    +
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    +
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    + ATM balance inquiry fee + +
    +
    +

    You may be charged a balance inquiry fee if you check your prepaid card balance at an ATM, or if you call customer service to ask about your balance. Not all prepaid cards charge the same fees to check your balance. Most cards offer at least one free way to check your balance. For example, you might be able to check your balance online for free or request the balance information by email or text. Check your cardholder agreement to learn about the fees that apply to checking your balance. You may be able to avoid fees if you know how to check your balance for free.

    +
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    + Bill payment fee + +
    +
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    Some prepaid cards let you sign up to pay your bills online through the card provider’s website. Your card provider may charge a fee each time you use the program to pay a bill.

    If you plan to use your prepaid account to pay bills, compare these fees before you select a card. You may also want to consider whether there are less costly ways to pay your bills, such as paying them through the vendor directly.

    +
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    + Card cancellation fee + +
    +
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    You can cancel a prepaid card at any time. You usually won’t pay a fee to cancel your card, but there may be a fee to get a check for the remaining balance on the card. To avoid the fee, you can spend or withdraw the remaining funds on your card before you cancel the card.

    +
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    + Card replacement fee + +
    +
    +

    Your prepaid card provider may charge a fee to replace your card if it is lost, stolen or damaged.

    +
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    + Card-to-card transfer fee + +
    +
    +

    You may be charged a fee if you transfer money between two prepaid cards. This is called a card-to-card or person-to-person transfer fee. However, some card providers allow you to transfer money between cards online without a fee.

    +
    +
    +
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    + Cash reload fee + +
    +
    +

    A cash reload fee is a fee for adding money to your card at a retail location. Generally, the retail location will charge a fee for reloading cash. Most prepaid cards provide other options for loading money to your card, such as direct deposit, without a fee. Direct deposit may save you money.

    +
    +
    +
    +
    + Closed-loop prepaid card + +
    +
    +

    A closed-loop prepaid card is a card you can only use at certain locations. For example, a closed loop card might be good only at a specific store or group of stores, or on your public transportation system. Most closed-loop cards do not have a network logo on them. Many gift cards are closed-loop cards.

    +
    +
    +
    +
    + Decline fee + +
    +
    +

    A decline fee is a fee charged if you attempt to use your card for something that costs more than the amount of money you have left on your card. Many prepaid cards do not charge decline fees.

    +
    +
    +
    +
    + Flexible spending account (FSA) or health savings account (HSA) card + +
    +
    +

    Flexible spending accounts (FSAs) and health savings accounts (HSAs) let you set aside pre-tax money, sometimes directly from your paycheck, to pay for eligible medical expenses. Guard this card carefully as you may not have the same rights to get your money back if it is stolen as you do with your bank or credit union debit card. 

    + Read more +
    +
    +
    +
    + Foreign transaction fee + +
    +
    +

    A foreign transaction fee is a fee your card provider charges when you use your prepaid card in a foreign country or to pay in a foreign currency. This fee is usually a percentage of your purchase, withdrawal, or other transaction, rather than a flat fee. This fee is also called a currency conversion fee. Not all cards can be used outside the United States, so check your cardholder agreement before you travel.

    +
    +
    +
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    + Government benefit card + +
    +
    +

    A government benefit card is a prepaid card used by a government agency to pay certain government benefits, such as unemployment insurance. 

    +
    +
    +
    +
    + Inactivity fee + +
    +
    +

    An inactivity fee is a fee charged if you don’t use your card for a certain period of time. The length of time that triggers an inactivity fee varies. Not all prepaid cards charge inactivity fees.

    +
    +
    +
    +
    + In-network/out of network fees + +
    +
    +

    Individual banks and ATMs belong to different networks. The bank that issues your prepaid card may belong to one or more of these networks. An ATM may be in-network or out-of-network depending on your particular card and which network the ATM belongs to. Depending on the terms of your cardholder agreement, you may pay less or even be able to avoid ATM fees by using your prepaid card at in-network ATMs. 

    +
    +
    +
    +
    + Monthly fee + +
    +
    +

    A monthly fee is a fixed fee you pay each month. You pay this fee even if you don’t use your card. The fee is automatically deducted from your account balance. Some cards that charge a monthly fee may waive the fee under certain circumstances.  For example, some prepaid cards waive the monthly fee if you have your pay or benefits directly deposited into your prepaid account.

    +
    +
    +
    +
    + Open-loop prepaid card + +
    +
    +

    An open-loop prepaid card is a card with a network logo on it. Examples of networks are Visa, MasterCard, American Express, and Discover. These cards can be used at any location that accepts that card type. Most prepaid cards are open-loop cards. GPR prepaid cards, payroll cards, and some types of government benefit cards are open-loop, as are many other kinds of prepaid cards. Even some gift cards are open-loop.

    +
    +
    +
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    + Paper statement fee + +
    +
    +

    Some prepaid cards charge a fee if you request paper statements for your prepaid card. You may be able to go online to get a statement, or at least a list of your recent card purchases and other transactions, without a fee. Under the CFPB’s prepaid rule, you have the right to get information about your account without a fee.  The prepaid card provider has to give you, without a fee, balance information by phone, transaction history online, and if you request it, transaction history by mail. You may be charged a fee for a mailed transaction history in some cases, such as making requests per month or if you sign up to receive paper statements every month by mail.

    +
    +
    +
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    + Payroll card + +
    +
    +

    A payroll card is a prepaid card you get from your employer that you receive your paycheck on. 

    +
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    +
    +
    + Per purchase fee + +
    +
    +

    A per purchase fee (or transaction fee) is a fee charged every time you use the card for certain types of transactions, such as purchases made in stores or online using the card. Your card provider might charge transaction fees under a “pay-as-you-go” plan. Some cards let you choose between a plan that charges transaction fees and one that charges a single monthly fee.

    +
    +
    +
    +
    + Prepaid Card + +
    +
    +

    A prepaid card is a card that you use to access money that you load onto it in advance. 

    + Read more +
    +
    +
    +
    + Reloadable prepaid card + +
    +
    +

    A reloadable prepaid card allows you to add more money. This type of card is sometimes called a General Purpose Reloadable Card, or GPR Card. Some cards start out as non-reloadable, but can be reloaded once you complete a registration process. Some prepaid cards are “non-reloadable,” meaning you can’t add more money to them.

    +
    +
    +
    +
    + Reload pack + +
    +
    +

    A reload pack is a product you can buy to add money to your prepaid card. 

    + Read more +
    +
    +
    +
    + Text alert service + +
    +
    +

    Some prepaid cards offer a text alert service to update you about account activity or changes to your account via text message. 

    + Read more +
    +
    +
    +
    + Transaction fee + +
    +
    +

    A transaction fee (or per purchase fee) is a fee charged every time you use the card for certain types of transactions, such as purchases made in stores or online using the card. Your card provider might charge transaction fees under a “pay-as-you-go” plan. Some cards let you choose between a plan that charges transaction fees and one that charges a single monthly fee.

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    Choose the right card for your situation

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    Prepaid cards have different features, functions, and fees. To decide which prepaid card is right for you, learn about your choices. Compare the fees to how you will use the card.

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    How do you plan to use your card?

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    • Will you only make purchases, or also use the card for cash withdrawals or bill payments?
    • Will you have your paycheck or benefits directly deposited onto the card?
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    Questions to consider when choosing a card

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    There are different types of prepaid cards. You can make the best choice about which card is right for you when you understand key differences.

    A reloadable prepaid card allows you to add more money. This type of card is sometimes called a General Purpose Reloadable Card, or GPR Card. Some cards start out as non-reloadable, but can be reloaded once you complete a registration process. Some prepaid cards are “non-reloadable,” meaning you can’t add more money to them.

    A payroll card is a prepaid card you get from your employer that you receive your paycheck on. 

    A government benefit card is a prepaid card used by a government agency to pay certain government benefits, such as unemployment insurance. 

    Some college ID cards are also prepaid cards. Some colleges offer a card that you can only use to pay for things on campus (and maybe some nearby stores). Other schools offer a card that you can use at any retail location that accepts that network brand.

    A gift card may look like a prepaid card, but it is different. A gift card may have a network logo that allows you to use the card widely, or it may only be usable at certain locations. While gift cards have some protections under federal law, they typically will not have the protections from the CFPB’s 2019 prepaid rule. 

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    Sometimes you might hear a card referred to as an “open-loop” or “closed-loop” card.

    An open-loop prepaid card is a card with a network logo on it. Examples of networks are Visa, MasterCard, American Express, and Discover. These cards can be used at any location that accepts that card type. Most prepaid cards are open-loop cards. GPR prepaid cards, payroll cards, and some types of government benefit cards are open-loop, as are many other kinds of prepaid cards. Even some gift cards are open-loop.

    A closed-loop prepaid card is a card you can only use at certain locations. For example, a closed loop card might be good only at a specific store or group of stores, or on your public transportation system. Most closed-loop cards do not have a network logo on them. Many gift cards are closed-loop cards.

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    Read the information about the card carefully to understand all of the fees. The CFPB’s prepaid rule requires prepaid card providers to give you information about fees before you choose a card. For cards you buy at the store, important information is included on the card as well as inside the card package. (Due to phase-in rules, it may take some time for new packaging to make it to stores, so you may not see all cards with this information immediately.) Consider how you plan to use the card and shop for the one that is best for your situation.

    There are different types of fees on prepaid cards. Different prepaid cards charge different types and amounts of fees. Common fees include: 

    • Monthly usage
    • Transaction or per purchase fee
    • In-network/out-of-network ATM withdrawal fee
    • ATM balance inquiry fee
    • Cash reload fee
    • Customer service fee
    • Inactivity fee
    • Paper statement fee
    • Decline fee
    • Card-to-card transfer fee
    • Bill payment fee
    • Stop payment 
    • Card replacement fee
    • Additional card fee
    • Foreign transaction fee
    • Card cancellation fee

    Not every card charges each type of fee. Some cards charge a monthly fee but not transaction fees. Other cards may skip the monthly fee but charge you transaction fees each time you use the card for certain types of transactions (such as purchases made in stores or online using the card).

    Read more about types of prepaid card fees

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    Tip

    Think about how you plan to use the card. Then look at the fees for the ways you might use the card. The card packaging will include a chart that contains certain key fees and other information about the prepaid account, and you can use that to comparison shop between cards at the store. The packaging will also have a website where you can see a form that includes all of the fees that the card charges, as well as other key information about the card.   

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    If you have registered your prepaid card, or if your card is a payroll card or a certain type of government benefit card, you have certain error resolution rights that protect you from unauthorized transactions under federal law. Network-branded prepaid card providers usually give some additional protections for loss or theft, but you should check your card provider’s website or your cardholder agreement to find out the specifics.

    Call your card issuer right away if your card or PIN is lost or stolen or if you see unauthorized charges.

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    A prepaid card may or may not be the right choice for you, depending on how you plan to use the card. You may want to consider alternatives, such as a bank account.

    Prepaid cards vs. debit cards

    A prepaid card is not linked to a bank checking account or to a credit union share draft account. Instead, you are spending money you placed in the prepaid card account in advance. This is sometimes called loading money onto the card.

    Generally, you can’t spend more money than you have already loaded onto your prepaid card.  Overspending can occur with a checking account for some types of uses, and with a bank account debit card if you have “opted in” to your bank’s overdraft program. This means that your bank may charge you a fee for covering the cost of a purchase or ATM withdrawal that exceeds what you have in your account. Your bank will also require you to repay the overdraft.

    Prepaid cards vs. credit cards

    Prepaid cards are very different from credit cards.  This can be confusing because both types of cards may have a card network logo like Visa, MasterCard, American Express, or Discover on them. When you use a credit card, you are borrowing money. Generally, when you use a prepaid card, you are spending money you loaded onto the card in advance. However, if your prepaid card provider offers credit (including overdraft) on your prepaid card, it will need to comply with the rules for other credit cards.

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    Don't forget to register your card!

    It’s a good idea to register your prepaid card. Registration will provide you with more protections if your card is lost or stolen. Some prepaid card providers may require you to register your card and verify your identity when you buy or receive the prepaid card, or soon after. The card provider likely will limit how you can use the card until the card is registered.

    Registration is also necessary for FDIC or NCUA insurance (if it is offered for your card), which protects you if the bank or credit union issuing your card goes out of business.

    Learn more about how to register your card

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    Know your rights

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    You have certain rights under the law or under the terms of your cardholder agreement. It’s important to know your rights and how to exercise them.

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    Do you know your rights?

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    • If an employer wants to pay your wages on a payroll card, do you have a choice?
    • If your card is lost or stolen, can you get a refund for unauthorized charges?
    • If the bank issuing your prepaid card goes out of business, what happens to your money?
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    You have the right:

    To choose how you get paid

    Your employer may offer to pay you on a prepaid card they choose, called a payroll card. Your employer can’t require you to receive your wages on a payroll card. The employer must also offer you at least one other way to get paid – for example, a paper check or direct deposit to an account of your choice, such as a bank account or your own prepaid card. Some states allow your employer to require that you be paid electronically, but you always have the right to choose the account where the money is sent.

    What is a payroll card?

    Read more about your rights with a payroll card

    To choose how you receive some government benefits

    Depending on the kind of benefit you receive, you may have a choice of how you receive your government benefits. For some types of government benefits, you may have a choice between receiving the benefits on a government-arranged prepaid card or directly deposited into your bank account or your own prepaid card. Other types of government benefits might only be provided using a government-arranged card.

    What is a government benefit card?

    Read more about receiving benefits through a government benefit card

    To fraud and error protection with prepaid cards

    You have protections in case of an error or an unauthorized transaction if you have a prepaid card that you have successfully registered. For example, you generally can’t be held responsible for unauthorized charges or other errors on these cards, if you report them immediately. In addition, the card provider is generally required by federal law to credit the disputed amount to your account while investigating the problem if the investigation will take longer than 10 business days. You should write down the number on the back of your card and call it as soon as you notice your card is missing, or notice charges you don’t recognize.

    Learn what to do if your card is lost or stolen, or you discover unauthorized charges

    Depending on your card, you may have:

    Insurance if the bank issuing your card goes out of business

    For bank accounts, if your bank goes out of business, the government guarantees you will get all of the money in your individual bank account back, up to $250,000, through FDIC (Federal Deposit Insurance Corporation) insurance. Credit union accounts have similar insurance through the National Credit Union Administration (NCUA). Your prepaid card may also have FDIC or NCUA insurance; check your cardholder agreement to find out. The CFPB’s prepaid rule requires the prepaid card provider to disclose to you before you purchase or choose a card whether the money in the account is eligible for this insurance.

    Learn how to find out if the money on your prepaid card is FDIC-insured

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    Understand your prepaid card disclosure

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    A prepaid card provider has to disclose fees before you buy the card. The sample form below shows the highest amount that can be charged. It also shows how certain fees may be lower depending on how or where you use the card.

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    Sample prepaid card disclosure

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    + + + Monthly fee + + + Per purchase + + + ATM withdrawal + + + Cash reload + + + ATM balance inquiry + + + Customer service + + + Inactivity + + + Other fees + + + Lower fees + + + Overdraft/credit + + + Deposit insurance + +
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    Transaction fees

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    Charged each month. If it can be waived or lowered (for example, if you receive direct deposit of wages or benefits onto the card), the form will say so.

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    Fees that apply each time you buy something with the card. If you plan to use the card frequently, a card with a monthly fee might be cheaper for you. If you do not plan to use the card very often, the per purchase fee might be a better option.

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    Charged when you withdraw cash at an ATM.

    In network: If you use an ATM in your prepaid card provider’s networks you may get cash for a lower or no fee.

    Out of network: If the ATM you use is not in your prepaid card provider’s networks you may pay a higher fee to get cash.

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    You may be able to reload your prepaid card at a store using cash. Each time you add cash to your card, the card provider will charge you this fee.

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    Service fees

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    Fee charged when you check the card balance at an ATM. There may be other ways to check your balance more cheaply or for free, such as online or by telephone.

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    Fee charged when you call customer service. This fee may be higher if you prefer to speak to a live customer service agent.

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    Some card providers will charge a fee if you do not use your card for a certain length of time. The card provider will indicate both the fee and the time period before this fee is charged. You may be able to avoid this fee by making a purchase, depositing money, or checking your balance.

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    Others

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    Some prepaid cards charge fees other than the ones already listed on this form. The card provider must say on the form how many other fees they charge. A high number might reflect the number of other fee-based services that the card provider offers to cardholders. One or two of these fees might be listed on the form as well. Check the full disclosure of all fees (either provided with the short form or via the toll-free number or website or other location listed on the form) to learn about all fees that apply to the prepaid card.

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    Near the bottom, the form tells you whether some of the fees might be lower than what is shown on the form.

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    If you might be offered overdraft/credit in the future, it will say so. The prepaid card provider cannot offer overdraft/credit to you until 30 days after you register the card.

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    Some prepaid card programs provide deposit insurance to protect the money on your card if the bank that holds the money fails. The bottom of the form will say whether your funds are eligible for this insurance. You must register the card to be eligible for deposit insurance.

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    How to get information about all fees

    If you get your card in a store, a short summary of key fees and information will be on the outside of or visible through the prepaid card packaging. This short form will include a toll-free number and a website to view all the fees that may be charged on the prepaid card and other important information.

    If you get your card in other settings, like online or over the phone, the card provider needs to give you this form on paper or electronically. This form will tell you where to find all fees and services (usually in the cardholder agreement).

    Register your card as soon as possible

    It is important to register your prepaid card as soon as possible. Your prepaid card provider is not required to protect you from loss, theft, or fraud on your card account until you successfully register it. If you apply for a card online, you will usually register it before you get the prepaid card. But if you buy a card in a store, be sure to register it to get full protection in case your card is lost or stolen.

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    Planning for retirement +

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    Balancing debt, retirement income, and assets becomes even more important to your financial security as you age. We can help you prepare for the future.

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    Before you claim

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    The age you claim Social Security affects the amount of monthly benefits you’ll receive. We’ll help you think through this decision.

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    + Retirement +
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    Your retirement income

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    Deciding when to take social security and how to use your pension are some of the most important decisions you can make in retirement. 

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    Protect your retirement pension

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    If you are considering a pension advance, follow these dos and don’ts.

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    When will you claim Social Security?

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    The amount of your monthly Social Security retirement benefit depends on the age at which you claim.

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    Considering a lump sum pension payout? Consider these tips.

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    While a lump sum payout can give you the flexibility of choosing whether to invest or save your money, there are risks, too.

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    Pension advance traps to avoid

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    Pension advances may seem like a quick fix to your financial problems, but they could be a scam.

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    Your home and retirement

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    Your home and the equity you have accrued can provide a safety net for your retirement years. 

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    What is a home equity loan?

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    Learn how home equity loans work, and whether it’s a good idea to borrow against the savings you’ve built up in your home.

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    Considering a reverse mortgage?

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    If you are thinking about borrowing a reverse mortgage loan, be sure to carefully consider all your options.

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    Don’t be misled by reverse mortgage advertising

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    Don’t be fooled by reverse mortgage advertising that doesn’t mention the risks.

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    Steps you should take if you have a reverse mortgage

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    Reverse mortgages can affect others in your home.

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    Planning for the future

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    Because you are likely to spend 20 or more years in retirement, you may need help making financial decisions as you age.

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    Need help managing your money or someone else’s?

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    If you need help managing your finances or you’re helping someone else, this guide will clarify your role and responsibilities.

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    Plan for financial decisions as you age

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    As we age, sometimes we lose confidence in our ability to manage our own money and property.

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    Know your financial adviser

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    Choosing a financial adviser can be challenging, especially since your needs are likely to change with age. 

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    Is aging in place right for you?

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    Although the promise of staying put is attractive, it might not be the best option for you.

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    Managing your debt

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    More older consumers are carrying debt into retirement. Learn how to prevent debt from jeopardizing your financial security. 

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    Three tips to keeping your retirement plan on track

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    Many seniors are paying a mortgage well into retirement. If you’re one of them, make sure it doesn’t throw a wrench into your retirement plans.

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    Four tips for older student loan borrowers

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    Struggling to make monthly federal student loan payments, or wondering about your responsibilities as a loan co-signer? 

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    Seven ways to keep medical debt in check

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    From negotiating your bills to keeping proper documentation, there are many things you can do to manage medical debt. 

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    هل تواجه مشاكل في إرسال الأموال إلى بلد آخر؟

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    لقد أتيت إلى المكان الصحيح. مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB) هو وكالة حكومية أمريكية مخصصة للتأكد من معاملتك معاملة منصفة من قبل البنوك والمقرضين والمؤسسات المالية الأخرى. نحن ننظم الشركات التي تقدم تحويلات الأموال.

    في هذه الصفحة:

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    تعرف على ما يجب عليك فعله أولاً

    إذا كنت تواجه مشكلة في تحويل الأموال، فاتصل بالشركة على الفور.

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    إلغاء تحويل الأموال

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    عند الاتصال بالشركة، كن مستعدًا واحتفظ بمعلوماتك في متناول اليد

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      • تجنب اللغة الغاضبة أو الساخرة أو التهديدية
      • احتفظ بالملاحظات أثناء تنقلك - مع مَن تحدثت ومتى وماذا قالوا

    لديك الحق في التحقيق في المشاكل

    يمكنك الإبلاغ عن مشكلة في التحويل خلال فترة أقصاها 180 يومًا من تاريخ توفر الأموال، وفقًا للتاريخ الموضح في إيصالك. يجب على الشركة أن تنظر في الأمر خلال 90 يومًا من تاريخ إخطارهم ويجب أن تبلغك بالنتائج. في بعض الحالات، يمكنك استرداد أموالك أو إرسال التحويل مرة أخرى.

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    اعرف كيف يمكن لـ CFPB مساعدتك

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    تقديم شكوى بخصوص تحويل الأموال

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    إذا كنت حاولت بالفعل التواصل مع الشركة ولم يتم حل مشكلتك، فيمكنك تقديم شكوى إلى CFPB. أخبرنا بمشكلتك، ونحن سنرسلها إلى الشركة ونعمل على الرد عليك، عادةً في غضون 15 يومًا.

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    احصل على إجابات للأسئلة المتداولة حول تحويل الأموال (الإجابات باللغة الإنجليزية)

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    للحصول على إجابات للأسئلة الشائعة الأخرى، راجع جميع مواردنا المتعلقة بتحويل الأموال.

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    المعلومات التي تتلقاها قبل الدفع وبعده

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    عند إرسال أموال إلى بلد آخر، تُطبّق القوانين الفيدرالية بشكل عام. فيما يلي أمثلة على المعلومات التي يُطلب من معظم مقدمي الخدمة تقديمها لك قبل وبعد إرسال الأموال.

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    + لقطة شاشة لإيصال تحويل الحوالة الذي تم تسليمه قبل اكتمال المعاملة. تُظهر مبلغ التحويل ورسوم التحويل وضرائب التحويل والتكلفة الإجمالية. ثم تُظهر سعر الصرف. ثم تُظهر مبلغ التحويل والرسوم الأخرى والإجمالي للمستلم. قد يحصل المستلم على مبلغ أقل بسبب الرسوم التي يفرضها بنك المستلم والضرائب الأجنبية.
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    قبل إرسال الأموال، ترى بشكل عام ما يلي:

    • التكلفة الإجمالية للتحويل، بما في ذلك الضرائب والرسوم
    • سعر الصرف إن وجد
    • إجمالي المبلغ المتوقع تسليمه إلى المستلم، ولكن مع الأخذ في الاعتبار أن الشخص الذي يحصل على الأموال قد يتم فرض رسوم عليه من قبل البنك الذي يتعامل معه أو قد يخضع لضرائب بلده
    • وبما أنك تتلقى هذه المعلومات قبل إرسال الأموال، فيمكنك البحث ومقارنة التكاليف مع الشركات الأخرى
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    + لقطة شاشة لإيصال تحويل الحوالة الذي تم تسليمه بعد اكتمال المعاملة. تُظهر تاريخ توافر الأموال ومبلغ التحويل ورسوم التحويل وضرائب التحويل والتكلفة الإجمالية. ثم تُظهر سعر الصرف. ثم تُظهر مبلغ التحويل والرسوم الأخرى والإجمالي للمستلم. قد يحصل المستلم على مبلغ أقل بسبب الرسوم التي يفرضها بنك المستلم والضرائب الأجنبية. ثم تُظهر الحق في الاعتراض على الأخطاء، والحق في الإلغاء واسترداد كامل المبلغ، وأرقام الهواتف ومواقع الويب
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    • إجمالي تكلفة التحويل — في نموذج الإيصال، يُشار إليها باسم "TOTAL" (إجمالي)
    • سعر الصرف، إن وجد
    • إجمالي المبلغ المتوقع تسليمه إلى المستلم - في نموذج الإيصال، يُسمى "TOTAL TO RECIPIENT" (الإجمالي للمستلم)
    • متى سيكون المال متاحًا
    • ماذا تفعل في حالة حدوث خطأ
    • تعليمات حول ممارسة حقك في إلغاء التحويلات
    • كيفية تقديم استفسار أو شكوى بشأن الشركة، بما في ذلك معلومات حول كيفية الاتصال بـ CFPB ووكالة الولاية التي تنظم الشركة
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    + An official website of the + United States government +
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    Èske ou gen pwoblèm pou w voye lajan nan yon lòt peyi?

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    Ou vini bon kote a. Biwo Pwoteksyon Finansye Konsomatè a (Consumer Financial Protection Bureau, CFPB) se yon ajans gouvènman Etazini ki la pou l asire li bank, pretè ak lòt enstitisyon finansye yo trete w san patipri. Nou reglemante konpayi ki fè transfè lajan yo.

    Sou paj sa a:

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    Konnen sa pou w fè anvan

    Si ou genyen yon pwoblèm pou w fè yon transfè lajan, kontakte konpayi a touswit.

    Nan kèk ka, li posib pou yo remèt ou lajan an oswa ou ka fè yo refè transfè a san w pa peye frè anplis.

    Fason pou w anile yon transfè lajan

    An jeneral, ou kapab anile yon transfè lajan ou voye aletranje nan espas 30 minit apre w fin voye l. Genyen yon eksepsyon: lè moun k ap resevwa lajan an deja pran l oswa yo deja depoze lajan an sou kont li. Ou p ap peye frè pou w anile transfè a.

    Lè ou kontakte konpayi a, asire w pare epi ou genyen tout enfòmasyon ou bezwen yo ki se

    • Non ou, adrès ou, nimewo telefòn ou, ak nimewo kont ou oswa nimewo tranzaksyon w lan
    • Sa k pase—bay eksplikasyon ki klè ak egzak nan mezi ou kapab
    • Sa ou bezwen pou w ka rezoud pwoblèm nan
    • Dokiman oswa imaj ki montre sa k pase a
    • Pa bliye
      • Pinga ou janm pibliye enfòmasyon pèsonèl ou yo ni sou sit medya sosyal yo ni sou sit evalyasyon yo
      • Evite pwopo kolerik, iwonik, oswa menasan
      • Pran nòt ofiyamezi—moun ou pale avèk yo, ki lè w pale avèk yo, epi ki sa yo di ou

    Ou gen dwa pou yo mennen ankèt sou pwoblèm ou an

    Ou kapab siyale yon pwoblèm ou genyen avèk yon transfè jiska 180 jou apati dat kòb la fin disponib lan, selon dat ki afiche sou resi w la. Fòk konpayi a mennen yon ankèt sou pwoblèm lan nan espas 90 jou apre dat ou te fin mete li okouran an epi fòk li ba w rezilta yo. Nan kèk ka, li posib pou yo remèt ou lajan an oswa ou ka fè yo voye transfè a ankò.

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    Dekouvri fason CFPB kapab ede ou

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    Depoze yon plent konsènan yon transfè lajan

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    Si w te deja eseye kontakte konpayi a epi li pa t rezoud pwoblèm ou an, ou kapab depoze yon plent nan CFPB. Eksplike nou pwoblèm ou genyen an—n ap transfere li bay konpayi a epi n ap travay pou w jwenn yon repons, jeneralman nan espas 15 jou.

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    Jwenn repons pou kesyon moun poze souvan sou zafè transfè lajan (repons yo an Anglè)

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    Pou w jwenn repons pou lòt kesyon moun poze souvan yo, gade tout resous nou yo sou zafè transfè lajan.

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    Enfòmasyon ou resevwa anvan ou peye epi apre ou fin peye

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    Lè ou voye lajan nan yon lòt peyi, lwa federal yo jeneralman aplike. Pi ba a genyen kèk egzanp enfòmasyon pifò konpayi transfè yo oblije ba ou anvan w voye lajan an epi apre w fin voye lajan an.

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    + Foto ekran ki montre resi pou yon transfè pou peman ki livre, anvan tranzaksyon an fini. Li montre montan transfè a, frè transfè yo, taks sou transfè a, pri total la. Apre sa li montre to echanj la. Apre sa li montre montan transfè a ak lòt frè yo, ak total la pou moun k ap resevwa li an. Moun k ap resevwa a gen dwa resevwa mwens poutèt frè bank moun k ap resevwa a fè peye yo ak taks etranje yo.
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    Anvan ou voye lajan an, men sa ou wè jeneralman:

    • Frè total transfè a, ki gen ladan l taks ak frè yo
    • To echanj lan, si sa nesesè
    • Montan total yo ap bay benefisyè a. Pa bliye, bank moun k ap resevwa lajan an kapab fè li peye frè osnon peyi kote moun k ap resevwa lajan an ye a gendwa pran taks pa li tou
    • Piske ou resevwa enfòmasyon sa yo anvan ou voye lajan an, ou kapab ale nan lòt konpayi yo pou w konpare frè transfè yo
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    + Foto ekran ki montre resi pou yon transfè pou peman ki livre, lè tranzaksyon an fini. Li montre dat lajan an ap disponib, montan transfè a, frè transfè yo, taks sou transfè a, ak pri total la. Apre sa li montre to echanj la. Apre sa li montre montan transfè a ak lòt frè yo, ak total la pou moun k ap resevwa li an. Moun k ap resevwa a gen dwa resevwa mwens poutèt frè bank moun k ap resevwa a fè peye yo ak taks etranje yo. Apre sa li montre dwa pou konteste erè, dwa anile pou jwenn ranbousman konplè, ak nimewo telefòn ak sit entènèt pou kontakte si ou gen kesyon oswa plent.
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    Apre ou fin voye lajan an, men sa ou wè jeneralman:

    • Frè transfè a antou—sou resi yo ba w la, ou ap wè yo ekri "TOTAL" (TOTAL)
    • To echanj, si sa nesesè
    • Montan total yo ap bay benefisyè a—sou resi yo ba w la, ou ap wè yo ekri "TOTAL TO RECIPIENT" (TOTAL KI PRAL JWENN BENEFISYÈ A)
    • Kilè lajan an ap disponib
    • Kisa pou l fè sizoka ta gen yon erè
    • Enstriksyon sou fason pou w egzèse dwa ou pou anile transfè yo
    • Fason pou w poze yon kesyon oswa depoze yon plent pou konpayi a, tankou enfòmasyon sou fason pou w kontakte CFPB ak ajans nan Eta a ki reglemante konpayi an

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    Problems sending money to another country?

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    You came to the right place. The Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. We regulate companies that provide money transfers.

    On this page:

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    Know what to do first

    If you are having a problem with a money transfer, contact the company right away.

    In some cases, you could receive a refund or have the transfer resent at no extra cost.

    Cancelling a money transfer

    Generally, you can cancel an international money transfer within 30 minutes after it is sent. There’s an exception: when the person receiving the money has already picked it up or the money has been deposited into their account. You don’t pay a fee for cancellation.

    When you contact the company, be prepared and have your information on hand

    • Your name, address, phone number, and account number or transaction number
    • What happened—as clear and to-the-point as you can
    • What you need in order to fix the problem
    • Documents or screen shots that show what happened
    • To keep in mind
      • Never post your personal data on social media or review sites
      • Avoid angry, sarcastic, or threatening language
      • Keep notes as you go—who you spoke with, when, and what they said

    You have the right to an investigation of problems

    You can report a problem with a transfer up to 180 days from the date the funds are available, according to the date shown on your receipt. The company has to look into it within 90 days of when you notified them and must report the results to you. In some cases, you could get a refund or have the transfer sent again.

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    Find out how the CFPB can help

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    Submit a complaint about a money transfer

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    If you've already tried reaching out to the company and your issue was not resolved, you can submit a complaint with the CFPB. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.

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    Find answers to frequently asked money transfer questions

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    For answers to other frequent questions, check out all our resources on money transfers.

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    Information you receive before and after you pay

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    When you send money to another country, federal laws generally apply. Below are examples of the information that most providers are required to give to you before and after you send money.

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    + Screenshot of a remittance transfer receipt delivered before the transaction is complete. It shows the transfer amount, transfer fees, transfer taxes, total cost. Then it shows the exchange rate. Then it shows the transfer amount and other fees, and the total to recipient. Recipient may receive less due to fees charged by the recipient’s bank and foreign taxes.
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    Before sending money, you generally see:

    • The total cost for the transfer, including taxes and fees
    • The exchange rate, if applicable
    • Total amount expected to be delivered to recipient, though keep in mind that the person getting the money could be charged fees charged by their bank or be subject to their country’s taxes
    • Since you receive this information before you send the money, you can shop around and compare costs with other companies.
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    + Screenshot of a remittance transfer receipt delivered after the transaction is complete. It shows the date the money is available, the transfer amount, transfer fees, transfer taxes, and total cost. Then it shows the exchange rate. Then it shows the transfer amount and other fees, and the total to recipient. Recipient may receive less due to fees charged by the recipient’s bank and foreign taxes. Then it shows the right to dispute errors, the right to cancel for a full refund, and phone numbers and web sites to contact with questions or complaints.
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    After sending money, you generally see:

    • Total transfer cost—on the sample receipt, this is labeled TOTAL
    • Exchange rate, if applicable
    • Total amount expected to be delivered to recipient—on the sample receipt, this is labeled TOTAL TO RECIPIENT
    • When the money will be available
    • What to do in case of an error
    • Instructions on exercising your right to cancel transfers
    • How to submit a question or complaint about the company, including information on how to contact the CFPB and the state agency that regulates the company
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    + + Пропустить главный контент + +
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    + An official website of the + United States government +
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    Трудности с переводом денег в другую страну?

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    Вы обратились по адресу. Бюро финансовой защиты потребителей (Consumer Financial Protection Bureau, CFPB) — это государственное агентство США, занимающееся обеспечением справедливого отношения к вам со стороны банков, кредиторов и других финансовых учреждений. Мы регулируем компании, осуществляющие денежные переводы.

    На этой странице:

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    Узнайте, с чего начать

    Если у вас возникли трудности с переводом денег, немедленно свяжитесь с компанией.

    В некоторых случаях вы можете получить возмещение или повторный перевод без дополнительной платы.

    Отмена денежного перевода

    Как правило, вы можете отменить международный денежный перевод в течение 30 минут после его отправки. Есть исключение: когда человек, получающий деньги, уже забрал их или деньги поступили на его счет.

    При обращении в компанию подготовьтесь и держите наготове необходимую информацию

    • Ваше имя, адрес, номер телефона и номер счета или номер транзакции
    • Описание произошедшего — как можно более ясное и по существу
    • Что вам нужно для разрешения проблемы
    • Документы или снимки экранов, показывающие, что именно произошло
    • Имейте в виду
      • Ни в коем случае не публикуйте свои личные данные в социальных сетях или на сайтах отзывов
      • Избегайте резких, саркастических или угрожающих выражений
      • Делайте заметки по ходу дела: с кем вы разговаривали, когда и что они говорили

    У вас есть право возбудить расследование проблем

    Вы можете сообщить о проблеме с переводом в течение 180 дней с даты поступления средств в соответствии с датой, указанной в квитанции. Компания обязана рассмотреть ваш вопрос в течение 90 дней с момента подачи вашего извещения, а затем сообщить вам о результатах. В некоторых случаях вы можете получить возмещение или отправить перевод повторно.

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    Выясните, как CFPB может вам помочь

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    Подать жалобу о денежном переводе

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    Если вы уже попытались связаться компанией, и ваша проблема не была разрешена, вы можете подать жалобу в CFPB. Расскажите нам о своей проблеме: мы направим вашу жалобу в компанию и постараемся получить ответ, как правило, в течение 15 дней.

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    Найти ответы на часто задаваемые вопросы о денежных переводах (ответы на английском языке)

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    Чтобы найти ответы на другие часто задаваемые вопросы, обратитесь к нашим ресурсам по денежным переводам.

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    Информация, которую вы получаете до и после оплаты

    +

    Когда вы переводите деньги в другую страну, обычно действуют федеральные законы. Ниже приведены примеры информации, которую большинство поставщиков услуг обязаны предоставить вам до и после перевода денег.

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    + +
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    +
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    + Скриншот квитанции о денежном переводе, доставленный до завершения транзакции. На нем указана сумма перевода, плата за перевод, налоги за перевод, общая стоимость. Затем отображается курс обмена. Затем отображается сумма перевода и другие сборы, а также общая сумма получателю. Получатель может получить меньшую сумму из-за сборов, взимаемых банком получателя, и иностранных налогов.
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    Перед переводом денег вы обычно видите:

    • Полную стоимость перевода с учетом налогов и сборов
    • Обменный курс, если он применяется
    • Общую сумму, которая должна быть выдана получателю. Однако имейте в виду, что с лица, получающего деньги, могут взиматься сборы, установленные его банком, или налоги его страны.
    • Поскольку вы получаете эту информацию до отправки денег, вы можете рассмотреть и сравнить предложения других компаний.
    +
    +
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    + +
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    +
    +
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    + Скриншот квитанции о денежном переводе, доставленный до завершения транзакции. На нем отображается дата доступности денег, сумма перевода, сборы за перевод, налоги за перевод и общая стоимость. Затем отображается курс обмена. Затем отображается сумма перевода и другие сборы, а также общая сумма получателю. Получатель может получить меньшую сумму из-за сборов, взимаемых банком получателя, и иностранных налогов. Затем отображается право на оспаривание ошибок, право на отмену с полным возвратом средств, а также номера телефонов и вебсайты для обращений с вопросами или жалобами.
    +
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    После перевода денег вы обычно видите:

    • Полную стоимость перевода — на образце квитанции она помечена словом «TOTAL» («ИТОГО»)
    • Обменный курс, если он применяется
    • Общую сумму, которая должна быть выдана получателю, — на образце квитанции она помечена словами «TOTAL TO RECIPIENT» («ИТОГО К ВЫДАЧЕ»)
    • Когда деньги можно будет получить
    • Что делать в случае ошибки
    • Инструкции по осуществлению вашего права отмену переводов
    • Как подать запрос или жалобу о компании, в том числе информацию о том, как связаться с CFPB и агентством штата, контролирующим данную компанию
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/index.html b/www.consumerfinance.gov/data-research/consumer-complaints/index.html index 4dedeba1a078..c30eb86cec0d 100644 --- a/www.consumerfinance.gov/data-research/consumer-complaints/index.html +++ b/www.consumerfinance.gov/data-research/consumer-complaints/index.html @@ -454,7 +454,7 @@
  7. - + Order free brochures @@ -1207,14 +1207,14 @@

    Explore data

    View, filter, map, and read complaint data right in your browser.

    @@ -1231,12 +1231,14 @@

    Get data

    All complaint data we publish is freely available for anyone to use, analyze, and build on.

    @@ -1252,14 +1254,14 @@

    Read reports

    Each spring we report to Congress on complaint trends from the prior year.

    @@ -1282,7 +1284,7 @@

    About the database

    -

    Only complaints sent to companies for response are eligible to be published and are only published after the company responds, confirming a commercial relationship or after 15 days, whichever comes first. The database generally updates daily.

    We do not publish complaints referred to other regulators, such as complaints about depository institutions with less than $10 billion in assets.

    We publish the consumer’s narrative description from their complaint if the consumer opts to share it publicly and after the Bureau takes steps to remove personal information.

    This database is not a statistical sample of consumers’ experiences in the marketplace and these complaints are not necessarily representative of all consumers’ experiences with a financial product or company. Complaints are not “information” for purposes of the Information Quality Act.

    Understanding complaint volume

    The lack of complaints or a relatively low number of complaints published in the database about a product, issue, or company does not necessarily mean there is little or no consumer harm. Depending on the nature of the financial product and how consumers use the product, consumers may be harmed in ways that do not cause them to complain to the Bureau or to blame the product or provider for the harm they have suffered.

    When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.

    When looking at complaint volume for a state or ZIP code, consider the population in that geography.

    We encourage you to pair complaint data with public and private data sets for additional context.

    Viewing trends

    Recent complaint data and trends will not yet include all complaints eligible for publication to allow companies 15 days to respond.

    Reading complaints

    Complaint narratives are consumers’ descriptions of their experiences in their own words. Consider what conclusions may be fairly drawn from reading consumers’ descriptions of their experiences. We do not adopt their views or verify that their experiences are accurate or unbiased.

    Recent complaint data will not include all complaint narratives eligible for publication until we have completed our steps to remove personal information from each consumer narrative.

    How we use complaint data

    Complaints can give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions.

    Get the data

    Downloading the data

    You can download all complaint data as either a CSV or JSON file here, or you can download a subset of the data—such as all complaints for a specific product—by filtering the full data set and exporting your results.

    Using our API

    Looking to export our data and have more control over it? Use our Open Data API.

    +

    Only complaints sent to companies for response are eligible to be published and are only published after the company responds, confirming a commercial relationship or after 15 days, whichever comes first. The database generally updates daily.

    We do not publish complaints referred to other regulators, such as complaints about depository institutions with less than $10 billion in assets.

    We publish the consumer’s narrative description from their complaint if the consumer opts to share it publicly and after the Bureau takes steps to remove personal information.

    This database is not a statistical sample of consumers’ experiences in the marketplace and these complaints are not necessarily representative of all consumers’ experiences with a financial product or company. Complaints are not “information” for purposes of the Information Quality Act.

    Understanding complaint volume

    The lack of complaints or a relatively low number of complaints published in the database about a product, issue, or company does not necessarily mean there is little or no consumer harm. Depending on the nature of the financial product and how consumers use the product, consumers may be harmed in ways that do not cause them to complain to the Bureau or to blame the product or provider for the harm they have suffered.

    When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.

    When looking at complaint volume for a state or ZIP code, consider the population in that geography.

    We encourage you to pair complaint data with public and private data sets for additional context.

    Viewing trends

    Recent complaint data and trends will not yet include all complaints eligible for publication to allow companies 15 days to respond.

    Reading complaints

    Complaint narratives are consumers’ descriptions of their experiences in their own words. Consider what conclusions may be fairly drawn from reading consumers’ descriptions of their experiences. We do not adopt their views or verify that their experiences are accurate or unbiased.

    Recent complaint data will not include all complaint narratives eligible for publication until we have completed our steps to remove personal information from each consumer narrative.

    How we use complaint data

    Complaints can give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions.

    Get the data

    Downloading the data

    You can download all complaint data as either a CSV or JSON file here, or you can download a subset of the data—such as all complaints for a specific product—by filtering the full data set and exporting your results.

    Using our API

    Looking to export our data and have more control over it? Use our Open Data API.

    @@ -1311,7 +1313,7 @@

    About the database

    -

    View the full list of complaint form products, sub-products, issues, and sub-issues available from August 2023 to the present

    +

    View the full list of complaint form products, sub-products, issues, and sub-issues available from August 2023 to the present

    About the database

    - +
    @@ -1353,8 +1355,8 @@

    @@ -1371,8 +1373,8 @@

    @@ -1388,7 +1390,9 @@

    With their consent and after taking steps to remove sensitive information, we publish consumers’ complaint narratives in their own words. One consumer’s experience is not necessarily representative of all consumers’ experiences and narratives are not verified before publication.

    @@ -1404,8 +1408,8 @@

    @@ -1570,10 +1574,10 @@

    diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    + + + Submit a Complaint + +
    +
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    + + Search + +
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    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&subLens=sub_product&searchField=all&tab=Trends b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&subLens=sub_product&searchField=all&tab=Trends new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&subLens=sub_product&searchField=all&tab=Trends @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
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    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
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    + + + \ No newline at end of file diff --git "a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-07-29&date_received_min=2019-07-29&has_narrative=true&page=1&product=Payday loan, title loan, or personal loan\342\200\242Payday loan&searchField=all&size=25&sort=created_date_desc&tab=List" "b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-07-29&date_received_min=2019-07-29&has_narrative=true&page=1&product=Payday loan, title loan, or personal loan\342\200\242Payday loan&searchField=all&size=25&sort=created_date_desc&tab=List" new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ "b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-07-29&date_received_min=2019-07-29&has_narrative=true&page=1&product=Payday loan, title loan, or personal loan\342\200\242Payday loan&searchField=all&size=25&sort=created_date_desc&tab=List" @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
    + +
    +
    +
    +
    +
    +
    +
    +
    +
    + +
    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
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    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git "a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit card or prepaid card\342\200\242General-purpose prepaid card&product=Credit card or prepaid card\342\200\242Gift card&product=Credit card or pre" "b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit card or prepaid card\342\200\242General-purpose prepaid card&product=Credit card or prepaid card\342\200\242Gift card&product=Credit card or pre" new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ "b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit card or prepaid card\342\200\242General-purpose prepaid card&product=Credit card or prepaid card\342\200\242Gift card&product=Credit card or pre" @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
    + +
    +
    +
    +
    +
    +
    +
    +
    +
    + +
    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
    +
    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
    + +
    +
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    +
    +
    +
    +
    + +
    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
    +
    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
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    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
    +
    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
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    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
    +
    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..e8069ef439e8 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1352 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + Search + +
    + + +
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    +
    +
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    +
    +
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    +
    This interactive tool is not supported in your web browser
    +
    Please use a newer browser or download the data.
    + +
    +
    +
    +
    +
    +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/index.html b/www.consumerfinance.gov/data-research/index.html index 6b2e3051cd22..548b3b81a8c9 100644 --- a/www.consumerfinance.gov/data-research/index.html +++ b/www.consumerfinance.gov/data-research/index.html @@ -454,7 +454,7 @@

  8. - + Order free brochures @@ -1205,19 +1205,19 @@

    Our research and reports

    Explore our reports on a variety of subjects including financial well-being, consumer complaints, debt collection and lending practices, mortgage origination and servicing, payday lending, consumer experiences and financial education, and more.

    @@ -1234,9 +1234,9 @@

    We present data collected as part of our efforts to monitor consumer credit market conditions. These dashboards are updated monthly to reflect the latest market developments.

    @@ -1253,9 +1253,9 @@

    We publish data on mortgage delinquency rates.  See how trends change over time and across geographies.

    @@ -1275,9 +1275,9 @@

    Consumer finance research hub

    Our PhD social scientists design and conduct foundational, policy-relevant research on consumer finance and household behavior.

    @@ -1291,9 +1291,9 @@

    Consumer Complaint Database

    We send thousands of consumers’ complaints about financial products and services to companies for response. Data from those complaints help us understand the financial marketplace and protect consumers.  

    @@ -1309,9 +1309,9 @@

    HMDA data

    The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose information about mortgages. We’ve made data available in an interactive tool and a public API.  

    @@ -1325,9 +1325,9 @@

    Small business lending database

    The CFPB’s small business lending database will be the most comprehensive source of publicly available information on U.S. small business lending.

    @@ -1343,9 +1343,9 @@

    Credit card agreements and surveys

    We maintain and provide access to resources where you can learn more about credit cards, including general credit card agreement terms and conditions and survey data about pricing and fees.

    @@ -1359,9 +1359,9 @@

    Prepaid account agreements

    We provide a searchable database of prepaid account agreements, along with resources to help prepaid account issuers submit agreements in compliance with the Prepaid Rule.

    @@ -1377,9 +1377,9 @@

    Student ba

    We publish annual reports to Congress. We collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations; we maintain publicly accessible files of the agreements.

    @@ -1393,19 +1393,19 @@

    Survey of mortgage originations

    We survey consumers who took out a mortgage in the past 18 months or so — including refinancing a mortgage — in order to know about your experience.

    @@ -1421,9 +1421,9 @@

    Financial well-being survey data

    We measured the financial well-being of adults in America: their sense of financial security and freedom of choice—both in the present and when considering the future—and other factors that may support financial well-being.

    @@ -1437,9 +1437,9 @@

    CFPB Researchers

    The CFPB's Office of Research undertakes rigorous and innovative research to improve our understanding of consumer behavior, financial service providers, markets and effects of regulation and other public policies in consumer finance.

    @@ -1455,9 +1455,9 @@

    CFPB Research Conference

    Our sixth conference on December 15–16, 2022, will feature research from a range of disciplines and approaches that inform the topic of consumer finance.

    @@ -1471,9 +1471,9 @@

    How we handle persona

    At the CFPB, we have nine privacy principles that guide when and how we collect, use, share, and protect personally identifiable information (PII).

    @@ -1496,14 +1496,14 @@

    @@ -1519,7 +1519,9 @@

    See our reports on consumer experiences and effective practices to support financial well-being

    @@ -1882,10 +1884,10 @@

    diff --git a/www.consumerfinance.gov/data-research/research-hub/index.html b/www.consumerfinance.gov/data-research/research-hub/index.html index cc3c8d058439..4be2bb2135f3 100644 --- a/www.consumerfinance.gov/data-research/research-hub/index.html +++ b/www.consumerfinance.gov/data-research/research-hub/index.html @@ -454,7 +454,7 @@

  9. - + Order free brochures @@ -1161,10 +1161,10 @@

    Featured data

    We collect data to monitor consumer credit market conditions.

    @@ -2809,26 +2809,26 @@

    @@ -3055,10 +3055,10 @@

    diff --git a/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html b/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html new file mode 100644 index 000000000000..7c87e7ea893a --- /dev/null +++ b/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html @@ -0,0 +1,1549 @@ + + + + + + + 2022 Consumer Response annual report | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    + + Category: + Consumer complaint + +
    +

    2022 Consumer Response annual report

    +
    + + + + +
    +
    +
    +
    +
    +

    The Consumer Financial Protection Bureau began consumer response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of financial institutions, and assists in addressing their complaints.

    Full report

    Read the full report

    +
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    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-reports/consumer-response-annual-report-2023/index.html b/www.consumerfinance.gov/data-research/research-reports/consumer-response-annual-report-2023/index.html new file mode 100644 index 000000000000..1e5b715e85df --- /dev/null +++ b/www.consumerfinance.gov/data-research/research-reports/consumer-response-annual-report-2023/index.html @@ -0,0 +1,1532 @@ + + + + + + + Consumer Response Annual Report | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    Consumer Response Annual Report

    +
    + + + + +
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    +

    This annual report analyzes complaints submitted by consumers to the CFPB between January and December 2023.

    Full Report

    Consumer Response annual report

    +
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    + +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html b/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html new file mode 100644 index 000000000000..c726b2ace50a --- /dev/null +++ b/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html @@ -0,0 +1,1601 @@ + + + + + + + Effective financial education: Five principles and how to use them | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    + +
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    + + Category: + Consumer education and empowerment + +
    +

    Effective financial education: Five principles and how to use them

    +
    + + + + +
    +
    +
    +
    +
    +

    The CFPB has +conducted research over its first five years into what makes financial +education effective. We have summed up our findings into five principles that +financial educators, financial coaches, and other practitioners can put into +practice to help drive financial action and well-being.

    +

    Effective +financial education means helping consumers as they work to bridge the gap between +their knowledge, their intentions, and the actions they take. It means +deploying a wide range of strategies that help consumers to achieve the +ultimate goal of financial education: financial well-being.

    +

    We offer +these principles as a path forward for effective financial education, in its +many different forms. The five principles build on insights about how people +make financial decisions, marshalled from many fields of study, and on what we +have learned about consumers’ own experiences in the financial marketplace.

    +

    The report +presents the principles, provides tested strategies as well as practitioners’ +tips for ways to put the principles into practice.

    Report

    Read the full report

    Read the report summary

    +
    +
    +
    +
    + +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/enforcement/enforcement-by-the-numbers/index.html b/www.consumerfinance.gov/enforcement/enforcement-by-the-numbers/index.html index 18fd36d5e19d..4402a672d0f5 100644 --- a/www.consumerfinance.gov/enforcement/enforcement-by-the-numbers/index.html +++ b/www.consumerfinance.gov/enforcement/enforcement-by-the-numbers/index.html @@ -456,7 +456,7 @@

  10. - + Order free brochures @@ -1495,10 +1495,10 @@

    To increase transparency of the Bureau’s publ
    diff --git a/www.consumerfinance.gov/enforcement/warning-letters/index.html b/www.consumerfinance.gov/enforcement/warning-letters/index.html index 33c37a820687..46591ea61f03 100644 --- a/www.consumerfinance.gov/enforcement/warning-letters/index.html +++ b/www.consumerfinance.gov/enforcement/warning-letters/index.html @@ -455,7 +455,7 @@

  11. - + Order free brochures @@ -1238,37 +1238,37 @@

    Warning letters

    -

    Mortgage loan data reporting

    +

    Mortgage loan data reporting

    10/27/2016

    CFPB Warns Financial Institutions About Potential Mortgage Lending Reporting Failures

    - Student loan debt relief + Student loan debt relief 3/30/2016

    CFPB Halts Student Loan Debt Relief Scam

    - College credit card agreements + College credit card agreements 12/16/2015

    CFPB Warns Colleges About Secret Campus Credit Card Contracts

    - Military allotment practices + Military allotment practices 7/20/2015

    CFPB Cautions Military Lenders Against Illegal Military Allotment Practices

    - Nationwide specialty consumer reporting agencies + Nationwide specialty consumer reporting agencies 11/29/2012

    Consumer Financial Protection Bureau issues warning to nationwide specialty consumer reporting agencies

    - Mortgage advertisements targeting older Americans + Mortgage advertisements targeting older Americans 11/19/2012

    Consumer Financial Protection Bureau Warns Companies Against Misleading Consumers with False Mortgage Advertisements

    - Mortgage advertisements targeting servicemembers + Mortgage advertisements targeting servicemembers 11/19/2012

    Consumer Financial Protection Bureau Warns Companies Against Misleading Consumers with False Mortgage Advertisements

    @@ -1438,10 +1438,10 @@

    Warning letters

    diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/cobro-de-deudas/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/cobro-de-deudas/index.html new file mode 100644 index 000000000000..a0fd2af7285f --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/cobro-de-deudas/index.html @@ -0,0 +1,879 @@ + + + + + + + Cobro de deudas | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Ir al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
    +
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    + +
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    +

    Cobro de deudas +

    +
    +

    Tener problemas de cobro de deudas puede ser estresante. Usted no tiene que enfrentarlos solo. Nuestros recursos le ayudan a entender cómo funciona y cuáles son sus derechos. 

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    Destacado

    Cinco cartas de muestra que usted puede enviar a los cobradores de deudas

    ¿Se está preguntando cómo responder a un cobrador de deudas? Nuestras cartas de muestra pueden ayudarle si usted:

    *Estas cartas no constituyen asesoramiento jurídico. Guarde siempre copias de todas las cartas que envíe.


    +
    +
    +
    +
    +

    Comience aquí

    +
    +
    +
    + +
    +

    Lo básico

    +
    +
    +

    Porqué se comunica con usted un cobrador de deudas

    Un cobrador de deudas puede tratar de contactarle porque algún acreedor considera que usted tiene pagos vencidos en una deuda. Lea más

    Sepa lo que podría suceder si usted evade a un cobrador de deudas

    Ignorar o evadir a un cobrador de deudas no hará que éste deje de contactarle. Si usted cree que no debe la deuda, dígaselo al cobrador. Lea más

    Conozca cuáles son algunos ejemplos de prácticas “injustas” por un cobrador de deudas

    La Ley de Practicas Justas en el Cobro de Deudas (FDCPA, por sus siglas en inglés) establece que un cobrador de deudas no puede usar prácticas injustas al tratar de cobrar una deuda. Lea más

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    Palabras claves

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    +
    + +
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    +
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    Tome acciones

    +
    +
    +
    + +
    +

    Paso a paso

    +
    +
    + +
    +
    +
    +
    +
    + +
    +

    Enviar una queja

    +
    +
    +

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

    + +
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    + +
    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html new file mode 100644 index 000000000000..0bbf4ff55139 --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html @@ -0,0 +1,864 @@ + + + + + + + Cuentas y servicios bancarios | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Ir al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    + + Buscar + +
    + + +
    + +
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    +

    Cuentas y servicios bancarios +

    +
    +

    A la hora de elegir y usar su cuenta en un banco o cooperativa de crédito, es importante que conozca cuáles opciones tiene.

    +
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    Comience aquí

    +
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    Lo básico

    +
    +

    Lista de pasos para abrir una nueva cuenta en un banco o cooperativa de crédito

    Usted podría pensar que una cuenta corriente o de ahorros es lo que necesita.  Esta lista le ayudará a reunir la información que va a necesitar para abrir una cuenta y para entender mejor cuáles opciones tiene. Lea más

    Sepa cuándo estarán disponibles los fondos de un cheque que haya depositado

    Cada banco o cooperativa de crédito tiene sus propias reglas, acerca de cuándo podrá usted acceder al dinero después de depositar un cheque, sin embargo, las leyes federales establecen un tiempo máximo que el banco o cooperativa de crédito puede hacerle esperar. Lea más

    Entienda lo que significa tomar la opción “opt-in“ para cobertura de sobregiros (en inglés)

    Podrían cobrarle tarifas por sobregiros bancarios causados por cheques, pagos electrónicos, o transacciones con tarjetas de débito. Hay ciertos pasos que usted puede seguir para reducir o eliminar las tarifas por sobregiros asociadas a su cuenta. Lea más (en inglés) 

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    Palabras claves

    +
    + +
    +
    +
    +
    +
    +
    +
    + +
    +
    +
    +

    Tome acciones

    +
    +
    +
    +
    +

    Paso a paso

    +
    + +
    +
    +
    +
    +
    +
    +

    Enviar una queja

    +
    +

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/fraudes-y-estafas/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/fraudes-y-estafas/index.html new file mode 100644 index 000000000000..68c539a0b483 --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/fraudes-y-estafas/index.html @@ -0,0 +1,871 @@ + + + + + + + Fraude y estafas | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Ir al contenido principal + +
    +
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    + +
    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
    +
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    + + + (855) 411-2372 + +
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    Fraude y estafas +

    +
    +

    Perder dinero o propiedad a causa de estafas y fraudes puede ser devastador. Nuestros recursos pueden ayudarle a reconocer, evitar e informar sobre estafas y fraudes.

    +
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    Comience aquí

    +
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    +
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    Lo básico

    +
    +

    Conozca los tipos más comunes de estafas

    Las estafas cambian constantemente. Usted puede protegerse si sabe qué buscar. Lea más

    Entienda cómo funciona el robo de identidad

    El robo de identidad ocurre cuando alguien roba su información personal o financiera para cometer un fraude. No importa cuánto se pierda, usted debe tomar medidas. Lea más

    Sepa cómo protegerse y proteger a otros contra fraudes y estafas

    Los fraudes y las estafas pueden ocurrir en cualquier momento y lugar. Es importante conocer las señales de advertencia. Lea más

    + +
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    Palabras claves

    +
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    +
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    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas-inversas/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas-inversas/index.html new file mode 100644 index 000000000000..89be2a4aac75 --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas-inversas/index.html @@ -0,0 +1,918 @@ + + + + + + + Préstamos de hipoteca inversa | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Ir al contenido principal + +
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    + +
    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
    +
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    + + + Enviar una queja + +
    +
    +
    + + Buscar + +
    + + +
    + +
    +
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    +
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    +

    Préstamos de hipoteca inversa +

    +
    +

    ¿Está considerando un préstamo de hipoteca inversa? ¿Ya tiene uno? Sepa más sobre las Hipoteca para la Conversión del Capital Acumulado en la Vivienda (HECM, por sus siglas en inglés), las cuales son el tipo más común de préstamos de hipoteca inversa.

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    Conozca las hipotecas inversas

    +

    Una hipoteca inversa es un tipo especial de préstamo hipotecario para propietarios quienes tengan 62 o más años de edad. Mire este video (en inglés con subtítulos en español) de dos minutos para que sepa cómo funcionan, y qué considerar antes de solicitarla.

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    Comience aquí

    +
    +
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    +
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    Lo básico

    Sepa qué es una hipoteca inversa

    Una hipoteca inversa es un tipo especial de préstamo hipotecario sólo para propietarios quienes tengan 62 o más años de edad. En una hipoteca inversa, el monto que el propietario debe con el tiempo subirá, no bajará. Lea más

    No todos son elegibles para recibir una hipoteca inversa

    Además de la edad, hay otros requisitos necesarios para recibir un préstamo de hipoteca inversa. Lea más

    Los préstamos de hipoteca inversa se deben ser pagados cuando venda la vivienda, o cuando ya no viva en ella

    Adicionalmente, podría tener que pagar el préstamo antes si deja de pagar los impuestos a la propiedad o el seguro de propietario, o no la mantiene en buenas condiciones. Lea más

    + +
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    Palabras claves

    + +
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    +
    +
    +
    +
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    + +
    +
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    Tome acciones

    +
    +
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    Guías paso a paso

    + +
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    Enviar una queja

    ¿Tiene problemas con un producto o servicio financiero? Si trató de comunicarse con la compañía, pero el problema persiste, puede enviarnos una queja. Díganos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para darle una respuesta, generalmente en 15 días.

    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html new file mode 100644 index 000000000000..952ee8bef25e --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html @@ -0,0 +1,928 @@ + + + + + + + Hipotecas | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Ir al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    Hipotecas +

    +
    +

    Ya sea que esté pensando en comprar vivienda, ya tenga una hipoteca, o experimente problemas para pagar su hipoteca, contamos con recursos para ayudarle en todo momento.

    +
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    Cómo obtener una hipoteca

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    Comprando una vivienda: Herramientas y recursos para compradores

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    Ya sea que está pensando en comprar o a punto de cerrar una compra, podemos ayudarle a tomar control del proceso.

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    Mantenga su hipoteca

    Pagar su hipoteca es importante. Podemos ayudarle a entender cómo leer su estado de cuenta, dónde encontrar ayuda si tiene dificultades para pagar, y mucho más

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    ¿Tiene dificultades pagando su hipoteca?

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    Si tiene dificultades haciendo sus pagos, tome el control y comuníquese con su administrador hipotecario y con algún asesor de vivienda aprobado por el HUD.

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    Comience aquí

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    Lo básico

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    Entienda su estado de cuenta mensual

    El primer paso para mantener su hipoteca es pagarla siempre a tiempo. Comprender su estado de cuenta mensual le será de gran ayuda. Lea más

    Sepa por qué podría cambiar el monto de su pago de hipoteca

    El pago de su hipoteca podría cambiar por varias razones; por ejemplo, su hipoteca tiene tasa ajustable y la tasa de interés cambia. Lea más

    Sepa qué puede hacer si tiene dificultades para pagar su hipoteca (en inglés)

    Siga estos cuatro pasos y evite el foreclosure y caer en estafas. Lea más (en inglés)

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    Palabras claves

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    Tome acciones

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    Paso a paso

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    Obtenga ayuda

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    Si tiene algún problema con su hipoteca, póngase en contacto con a un Asesor de Vivienda Aprobado por el HUD (Departamento de Vivienda y Desarrollo Urbano). Encuentre uno en su área (en inglés). También puede llamar a la línea de asistencia de HOPE™.

    Enviar una queja

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

    Enviar una queja

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    Encuentre respuestas a sus preguntas

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    Encuentre respuestas a sus preguntas

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    Encuentre respuestas a sus preguntas

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    Enviar una queja

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    Sepa su puntaje de bienestar fi

    Nuestros investigadores prepararon 10 preguntas que, sin hacer cálculos y sin usar su información personal, le ayudará a conocer cómo están sus finanzas. Una vez las conteste, encontrará información y recursos que le ayudarán a administrar su dinero en el día a día y a largo plazo.

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    Cuéntenos su historia (en inglés)

    Queremos saber cómo han sido sus experiencias con el dinero y los servicios financieros. Sus historias nos ayudan a entender lo que ocurre con las finanzas de la gente y así, poder servirla mejor.

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    Use nuestros folletos, volantes y tablas para; hacer su propio presupuesto, conocer sus derechos, enviar dinero al extranjero, ahorrar en época de impuestos y muchos otros temas.

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    Follow the instructions and fill out a form to create a new request under either FOIA or the Privacy Act.

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    Fee schedule

    There is no initial fee to make a request, but fees may apply based on the cost of fulfilling your request.

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    FOIA FAQs

    Learn more about the process, your rights, and what to expect.

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    FOIA reports, logs,

    View our published reports, logs, and frequently requested records.

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    diff --git a/www.consumerfinance.gov/housing/housing-insecurity/help-for-renters/index.html b/www.consumerfinance.gov/housing/housing-insecurity/help-for-renters/index.html new file mode 100644 index 000000000000..52f2fed302c8 --- /dev/null +++ b/www.consumerfinance.gov/housing/housing-insecurity/help-for-renters/index.html @@ -0,0 +1,1556 @@ + + + + + + + Help for renters | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Help for renters

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    If you’re having trouble making rent payments, you’re not alone.

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    Find out what you can do to get help with housing expenses and avoid eviction.

    On this page you will find resources for:

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    What to do if you're struggling to pay rent

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    If you’re having trouble paying for rent and utilities, you’re not alone.

    Talk to your landlord about a repayment agreement

    In addition to applying for rental assistance, now may be the time to start a conversation with your landlord if you're struggling to pay your full rent each month or need to repay past due rent.

    Learn about options and how to start the conversation

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    How to avoid scams

    Scammers are targeting people who are looking for rental assistance.

    Find resources to help you prevent, recognize, and report scams

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    If you're worried about eviction or have lost your home

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    We can help you understand what next steps to take, based on your situation right now.

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    What to look out for before you apply for new rental housing

    Many landlords use a tenant screening report to help them decide whether to rent to you, and how much to charge you for a security deposit.

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    Find out if you have more protections

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    As a renter, you have local, state and federal rights. Some may help you stay in your home and postpone eviction.

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    Talk to a local expert

    This can be a lot to navigate. There are local experts who can help, for free, or at a low cost.

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    If your landlord is threatening to evict you, or you need help understanding your rights, talk to a lawyer. You may qualify for free legal aid, based on your income.

    Contact your local bar association or legal aid

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    Take advantage of free housing help

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    If you’d like help from a local expert, contact the Department of Housing and Urban Development (HUD)’s housing counseling program.

    Call 800-569-4287 or find a housing counselor

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    Your tenant and debt collection rights

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    As a renter, you have local, state and federal rights during the pandemic. These may help you stay in your home.

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    See if your state or local government is stopping evictions

    Some state and local governments have protections in place to help you avoid being evicted.

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    You might qualify for free legal aid

    Many landlords are represented by a lawyer in court. You can get legal help too, and you could qualify for free legal aid.

    Find a lawyer through your local bar association or legal aid office.

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    Your rights under the federal Fair Debt Collection Practices Act (FDCPA)

    When you owe money to your landlord or utility company and someone else is trying to collect the money, that person could be a debt collector. Maybe a lawyer or law firm is representing your landlord, or maybe a collection agency is trying to collect the back rent you owe. If so, the lawyer, law firm, or company may be a debt collector under federal law.

    Federal law says that debt collectors can’t use unfair, deceptive, or abusive practices to try and collect a debt. This means if a debt collector harasses you or makes false or misleading statements to collect rental debt, they may be breaking federal law.

    If you believe that a debt collector is using an unfair, deceptive, or abusive practice when collecting a debt, you can submit a complaint or call (855) 411-2372.

    Notice about past pandemic eviction protections

    A debt collector trying to evict you for unpaid rent might have been required to give you a notice about the CDC’s eviction moratorium while it applied. If you didn’t get this notice for a pandemic-related eviction when the moratorium applied, talk with a lawyer. Find a lawyer through your local bar association or legal aid office.

    You can also submit a complaint or call (855) 411-2372.

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    Report a bad landlord

    Your rights as a tenant are usually spelled out in your rental agreement and state or local laws.

    In most cases, your landlord cannot:

    • Force you out by changing your locks without a court order
    • Demand fees, interest, or other charges that you did not agree to, or that are prohibited by state or local law
    • Refuse to make necessary repairs
    • Fail to pay for utilities under their control or
    • Endanger the health and safety of tenants

    To talk with a lawyer, contact your local bar association or legal aid

    If you live in subsidized housing, report a bad landlord to the Department of Housing and Urban Development (HUD)

    Stay in your home as a survivor of domestic violence

    Federal law may protect you from being evicted, losing your housing subsidy, or having your application for housing denied because of domestic violence, dating violence, sexual assault, or stalking committed against you. Despite the name of the Violence Against Women Act (VAWA), VAWA’s protections apply regardless of sex, sexual orientation, or gender identity.

    If you have been assaulted or are the victim of a crime, state and local prosecutors may file charges if they find out. State and local courts may also provide specific injunctions and other protections in your favor to help keep you safe.

    Find more on the tenant rights of domestic violence survivors

    Report housing discrimination

    Landlords generally cannot:

    • Harass you
    • Refuse to rent to you
    • Evict you, or
    • Change or set different rules for your rental agreement

    because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation and gender identity), familial status (pregnancy and families with children), or disability.

    If you or your landlord receive federal financial assistance for housing, you are also protected from housing discrimination based on age.

    Know your fair housing rights when you are facing eviction

    Report housing discrimination by filing a complaint with the Department of Housing and Urban Development (HUD)

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    Act fast if you can’t pay your credit cards (in Arabic)
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    تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك

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    تصرف على الفور واتصل بشركة بطاقتك الائتمانية إذا كنت تعتقد أنك غير قادر على دفع المبلغ الأدنى ببطاقتك الائتمانية.

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    قد يكون العديد من شركات بطاقات الائتمان على استعداد للمساعدة إذا كنت تواجه حالة مالية طارئة.وليس من الضروري أن تكون متخلفا عن سداد مدفوعاتك لطلب المساعدة!

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    لا تتجاهل المشكلة

    فإن ذلك قد يسبب لك فقط مشاكل أكبر، مثل:

    • معدلات فائدة أعلى
    • ارتفاع الحد الأدنى للمدفوعات
    • فقدان امتيازات الشراء على البطاقة الخاصة بك
    • دفع رسوم تأخير
    • الإضرار بدرجاتك الائتمانية

    إليك ما يجب فعله

    1. احسب دخلك ونفقاتك

    ابحث عن طرق لخفض التكاليف. إذا لم تجد ما يكفي لدفع الحد الأدنى، فقرر ما هو المبلغ الذي يمكنك دفعه.

    2. اتصل بشركة بطاقتك الائتمانيةتأكد من شرح وضعك بوضوح:

    • لماذا لا يمكنك دفع الحد الأدنى
    • كم يمكنك أن تدفع
    • متى يمكنك معاودة مدفوعاتك العادية

    3. ضع في اعتبارك الاستشارة الائتمانية

    إذا كنت بحاجة إلى المزيد من المساعدة، فيمكن لمنظمات الاستشارات الائتمانية غير الربحية أن تعلمك المزيد حول التعامل مع أموالك.

    قبل التسجيل للحصول على استشارات ائتمانية، اسأل عما إذا كان سيتم محاسبتك وما هي الخدمات التي سيتم تقديمها. وتأكد من أن مستشار الائتمان الخاص بك يأخذ الوقت الكافي للتعرف على وضعك المالي، ويعرض عليك مساعدتك في معرفة كيف يمكنك تحسينه.

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    لا توجد حلول سهلة

    تصرح بعض شركات تخفيف أعباء الديون الهادفة للربح إنها تستطيع مساعدتك في سداد ديونك "مقابل مبلغ ضيئل لا يضاهى". لكن في كثير من الأحيان، هذه الوعود غير معقولة ولا يتم الوفاء بها. فاحترس من أي منظمة لتخفيف الديون التي:

    • تطالب برسوم قبل قيامها بتسوية ديونك
    • تضمن أنها يمكنها التخلص من ديونك
    • تطلب منك التوقف عن التواصل مع المقرضين أو شركات بطاقات الائتمان
    • تطلب منك التوقف عن سداد مدفوعات بطاقة ائتمان أو قرض
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    + + Skip to main content + +
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    + An official website of the + United States government +
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    + + بحث + +
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    Auto loan key terms (in Arabic)
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    المصطلحات الرئيسية لقروض السيارات

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    القيمة النقدية الفعلية (Actual Cash Value (ACV))

    القيمة النقدية الفعلية (ACV) هي قيمة السيارة وفقاً لمصادر مستقلة معترف بها على نطاق واسع مثل الجمعية الوطنية لتجار السيارات (National Automobile Dealers Association) أو كتاب كيلي الأزرق (Kelley Blue Book) .

    اقرأ المزيد (باللغة الإنكليزية)

    استهلاك الدين (Amortization)

    يصف الاستهلاك عملية السداد التدريجي لقرض السيارة الخاص بك. في استهلاك الدين، لكل دفعة من دفعاتك الشهرية، يتم تسديد جزء على مبلغ القرض – المبلغ الأصلي – ويتم تسديد جزء من الدفعة لدفع رسوم التمويل – الفائدة.

    اقرأ المزيد (باللغة الإنكليزية)

    معدل الفائدة السنوية المئوية (Annual Percentage Rate (APR))

    معدل الفائدة السنوية المئوية (APR) هو التكلفة التي تدفعها كل سنة لاقتراض المال، بما في ذلك الرسوم، معبراً عنها كنسبة مئوية. إن معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع للتكلفة التي تتكبدها عند اقتراض المال، حيث أنه لا يعكس سعر الفائدة فحسب، بل أيضاً الرسوم التي يتعين عليك دفعها للحصول على القرض. كلما ارتفع معدل الفائدة السنوية المئوية (APR)، كلما دفعت أكثر على مدى عمر القرض.

    إن معدل الفائدة السنوية المئوية (APR) لقرض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.


    المُحال إليه (Assignee)

    المُحال إليه هو شخص أو شركة يشتري قرض السيارة الخاص بك. على سبيل المثال، يجوز لتاجر السيارات الذي يقدم الائتمان لك بيع قرضك إلى أحد البنوك، مما يجعل البنك هو المُحال إليه. أنت مدين بالأموال لمن اشترى قرضك. فالمُحال إليه له حق في سيارتك، ويمكن أن يستحوذ عليها إذا لم تدفع.

    السعر الأساسي (Base price)

    السعر الأساسي هو سعر السيارة بدون كماليات.
    اقرأ المزيد (باللغة الإنكليزية)

    سعر الشراء (Buy rate)

    سعر الشراء هو سعر الفائدة الذي يعطيه المُقرض المحتمل إلى الوكيل عندما تتقدم بطلب للحصول على التمويل الذي يتم ترتيبه من قِبل الوكيل.

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    المُوقّع المشترك (Co-signer)

    المُوقّع المشارك هو شخص، مثل الوالد(ة) أو أحد أفراد العائلة المقربين أو صديق، يتعهد بدفع القرض إذا لم تقم أنت بدفعه. يُمكن أن يكون هذا مفيداً لك وللمُقرض. يتحمل المُوقّع المشارك كامل المسؤولية عن سداد القرض. إن وجود مُوقّع مشارك على قرضك يمنح مُقرضك ضمان إضافي بأن القرض سيتم سداده. إذا لم تسدد القرض، فسيكون المُوقّع المشارك مسؤولاً عن السداد حتى إذا لم يقم المُوقّع أبداً بقيادة السيارة. إذا طلب منك المشاركة في التوقيع على قرض، فينبغي عليك التفكير في كيفية تأثيره على أموالك.


    التأمين على الائتمان (Credit insurance)

    التأمين على الائتمان هو تأمين اختياري قد يقوم بسداد مدفوعاتك التلقائية للمُقرض الخاص بك في مواقف معينة، مثل حالة وفاتك أو إصابتك بإعاقة.  إذا كنت تفكر في الحصول على التأمين على الائتمان، فتأكد من أنك تفهم شروط البوليصة التي تُعرض عليك. إذا قررت أنك بحاجة إلى تأمين، فقد تكون هناك طرق أرخص للحصول على التغطية من شراء التأمين على الائتمان وإضافته إلى قرض السيارة الخاص بك. على سبيل المثال، قد يكون التأمين على الحياة أقل تكلفة من التأمين على الائتمان ويسمح لعائلتك بدفع النفقات الأخرى بالإضافة إلى قرضك الخاص بالسيارة.


    منتجات إلغاء الدين أو تعليقه (Debt cancellation or suspension products)

    يقدم بعض تجار السيارات وكذلك البنوك والاتحادات الائتمانية منتجات "إلغاء الدين" و "تعليق الدين" أو التأمين تحت أسماء مختلفة. وهذه المنتجات مماثلة للتأمين على الائتمان من حيث وظيفتها، ولكن الرسوم وغيرها من الميزات قد تكون مختلفة.
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    رصيد العجز (Deficiency balance)

    إذا تم استرداد السيارة وبيعها، فقد تكون مسؤولاً عن دفع الفرق بين المبلغ المتبقي في القرض (بالإضافة إلى رسوم إعادة الحيازة) وسعر البيع. ويعرف هذا باسم "رصيد العجز".

    الدفعة المقدمة (Down payment)

    الدفعة المقدمة هي دفعة أولية تسدد مقدماً مقابل التكلفة الإجمالية للسيارة. قد تكون الدفعة المقدمة نقداً أو بقيمة مقايضة سيارتك القديمة أو كليهما. كلما كبرت الدفعة المقدمة، قلت حاجتك للاقتراض. قد تؤدي الدفعة المقدمة الأكبر أيضاً إلى خفض الدفعة الشهرية وإجمالي تكلفة التمويل.

    الضمان الممتد أو عقد خدمة السيارة (Extended warranty or vehicle service contract)

    يغطي الضمان الممتد أو عقد خدمة السيارة تكاليف بعض أنواع الإصلاحات بالإضافة إلى ضمان الجهة المصنعة أو بعد انتهاءه.
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    قسم الشؤون المالية والتأمين (Finance and insurance department)

    إذا قمت بشراء سيارة من توكيل بيع السيارات، فقد يحيلك مندوب المبيعات إلى شخص في قسم الشؤون المالية والتمويل (F&I) أو مكتب الأعمال. هذا هو الجزء من التوكيل الذي يقوم بتقديم القروض والإضافات الاختيارية للعملاء بعد أن وافقوا على شراء سيارة لدى الوكيل.
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    التمويل بسعر فائدة ثابت (Fixed-rate financing)

    يعني التمويل ذو السعر الثابت أن معدل الفائدة على قرضك لا يتغير على مدار فترة القرض. مع السعر الثابت، يمكنك الاطلاع على دفعتك لكل شهر والمبلغ الإجمالي الذي ستدفعه على مدى فترة القرض. قد تفضل التمويل ذي السعر الثابت إذا كنت تبحث عن دفعة قرض لن تتغير. والتمويل ذو السعر الثابت هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغير.

    التأمين المفروض بالقوة (Force-placed insurance)

    للحصول على قرض لشراء سيارة، يجب أن يكون لديك تأمين لتغطية السيارة نفسها. إذا فشلت في الحصول على تأمين أو تركت التأمين الخاص بك ينقضي، فعادة ما يمنح العقد للمُقرض الحق في الحصول على تأمين لتغطية السيارة. يسمى هذا التأمين "التأمين المفروض بالقوة".

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    التأمين المضمون لحماية السيارة (Guaranteed Auto Protection (GAP) insurance)

    يغطي التأمين المضمون لحماية السيارة (GAP) الفرق (أو الفجوة) بين المبلغ الذي تدين به على قرض السيارة وما يدفعه التأمين في حالة سرقة السيارة أو تلفها أو خسارتها بالكامل. لست مضطراً لشراء هذا التأمين، ولكن إذا قررت أنك تريده، فقم بالتسوق للحصول عليه. قد يحدد المقرضون أسعار مختلفة لهذا المنتج.

    سعر الفائدة (Interest rate)

    سعر الفائدة على قرض السيارة هو التكلفة التي تدفعها كل عام لاقتراض الأموال معبراً عنها كنسبة مئوية. لا يشمل سعر الفائدة الرسوم المفروضة على القرض.

    إن معدل (APR) لقروض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل الفائدة السنوية المئوية (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل الفائدة السنوية المئوية (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.

    مدة القرض أو أمده (Loan term or duration)

    هذه هي مدة قرض السيارة، ويُعبر عنها عموماً بالأشهر. إن مدة القرض الأقصر (التي تسدد فيها دفعات شهرية لأشهر أقل) ستخفض إجمالي تكلفة القرض. يمكن للقرض الأطول أن يخفض دفعتك الشهرية، ولكنك تدفع فائدة أكبر على مدى فترة القرض. كما يعرضك القرض الأطول لخطر حقوق الملكية السلبية، وهو عندما تكون مديناً للسيارة بأكثر من قيمتها الفعلية.

    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي إجمالي القيمة بالدولار لقرضك مقسومة على القيمة النقدية الفعلية (ACV) لسيارتك. وعادة ما يعبر عنها كنسبة مئوية. تقلل الدفعة المقدمة نسبة القرض إلى القيمة لقرضك.
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    التحكيم الإلزامي المُلزِّم (Mandatory binding arbitration)

    من خلال توقيع عقد يتضمن شرط التحكيم الإلزامي المُلزِّم، فإنك توافق على حل أي نزاعات حول العقد أمام مُحكِّم يفصل في النزاع بدلاً من المحكمة. قد توافق أيضاً على التنازل عن حقوق أخرى، مثل قدرتك على استئناف القرار أو الانضمام إلى دعوى قضائية جماعية.

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    حوافز الشركة المصنعة (Manufacturer incentives)

    حوافز الشركة المصنعة عبارة عن صفقات خاصة، مثل التمويل بسعر فائدة 0% أو الحسومات النقدية التي ربما تكون قد شاهدتها معلن عنها للسيارات الجديدة. وغالباً ما يتم تقديمها لموديلات معينة فقط.
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    سعر التجزئة المقترح من الشركة المصنعة (Manufacturer Suggested Retail Price (MSRP))

    سعر التجزئة المقترح من الشركة المصنعة (MSRP) هو السعر الذي تقترح شركة تصنيع السيارات - الشركة المصنعة - أن يطلبه الوكيل لبيع السيارة.
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    حقوق الملكية السلبية (Negative equity)

    إذا كنت مديناً على قرض السيارة الحالي الخاص بك بأكثر من قيمة السيارة - يشار إلى ذلك الوضع بأنه "مقلوب" - عندئذ يكون لديك حقوق ملكية سلبية. بعبارة أخرى، إذا حاولت بيع سيارتك، فلن تتمكن من الحصول على ما تدين به بالفعل. على سبيل المثال، لنفترض أنك مدينة بمبلغ 10,000 دولار على قرض سيارتك وأن سيارتك الآن تساوي 8,000 دولار. وهذا يعني أن لديك حقوق ملكية سلبية بقيمة 2,000 دولار. يجب سداد هذا الرصيد السلبي إذا كنت ترغب في مقايضة سيارتك والحصول على قرض سيارة لشراء سيارة جديدة.

    قرض السيارة بدون الكشف عن السجل الائتماني أو "أشتري هنا، وأدفع هنا" (No credit check or "buy here, pay here" auto loan)

    يتم تقديم قرض السيارة "بدون الكشف عن السجل الائتماني" أو "اشتر هنا، وأدفع هنا" من قبل الوكلاء الذين يمولون عادةً قروض السيارات "داخلياً" للمقترضين الذين ليس لديهم سجل ائتماني أو سجلهم الائتماني ضعيف.
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    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو المبلغ الذي وافقت في الأصل على سداده.

    بشكل عام، سيتم تطبيق أي دفعة يتم سدادها على قرض السيارة أولاً على أي رسوم مستحقة (على سبيل المثال، رسوم التأخير). بعد ذلك، سيتم تطبيق الأموال المتبقية من مدفوعاتك على أي فائدة مستحقة، بما في ذلك الفائدة المتأخرة، إن وجدت. وبعد ذلك، سيتم تطبيق بقية المبلغ على رصيد المبلغ الأساسي لقرضك.

    التسعير القائم على أساس المخاطر (Risk-based pricing)

    يحدث التسعير القائم على أساس المخاطر عندما يعرض المقرضون على مستهلكين مختلفين أسعار فائدة مختلفة أو شروط قرض أخرى، بناءً على المخاطر المقدرة المتمثلة في فشل المستهلكين في سداد قروضهم.
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    التكلفة الإجمالية (Total cost)

    هذا هو المبلغ الذي ستدفعه لشراء سيارتك، بما في ذلك المبلغ الأساسي والفائدة وأي دفعة مقدمة أو مقايضة، على مدى فترة القرض.

    إفصاح الحقيقة في الإقراض (Truth in Lending disclosure)

    يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) أن يتلقى المقترضون إفصاحات مكتوبة حول شروط ائتمانية مهمة قبل أن يلتزموا قانوناً بدفع القرض. تعرف على المزيد حول المعلومات المضمنة في الإفصاحات الخاصة بك وفقاً لقانون الحقيقة الفيدرالية في الإقراض (TILA) ومتى يجب أن تحصل عليها والقيام بمراجعتها.

    التمويل بسعر فائدة متغيّر (Variable-rate financing)

    التمويل بسعر فائدة متغيّر هو عندما يمكن أن يتغير سعر الفائدة على قرضك، بناءً على السعر الأساسي أو سعر آخر يسمى "المؤشر". ومع وجود قرض بسعر فائدة متغيّر، يتغير سعر الفائدة على القرض مع تغير سعر المؤشر، مما يعني أنه قد يرتفع أو ينخفض. نظرا لإمكانية ارتفاع معدل الفائدة، يمكن أيضاً أن ترتفع دفعتك الشهرية. وكلما طالت مدة القرض، زادت مخاطر القرض المتغيّر على المقترض، لأن هناك المزيد من الوقت لزيادة أسعار الفائدة.  التمويل ذو السعر المتغيّر هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغيّر.

    التأمين للمصلحة الفردية للبائع (Vendor's Single Interest (VSI) insurance)

    يحمي تأمين المصلحة الفردية للبائع (VSI) المُقرض، ولكن ليس أنت، في حالة تلف السيارة أو تعرضها للدمار.

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    Bank accounts key terms (in Arabic)
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    المصطلحات الرئيسية للحسابات المصرفية

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    غرفة المقاصة الآلية (ACH) (Automated Clearing House (ACH))

    إن تفويض غرفة المقاصة الآلية (ACH) هو تفويض دفع يمنح المُقرض الإذن بأخذ الأموال إلكترونياً من البنك أو الاتحاد الائتماني أو حساب البطاقة المدفوعة مسبقاً عند استحقاق الدفع. يمكنك إلغاء هذا التفويض.


    الدفع عن طريق الخصم التلقائي (Automatic debit payment)

    من خلال عمليات الخصم التلقائية، فإنك تمنح الإذن للشركة لأخذ المدفوعات مباشرة من حسابك المصرفي. يختلف هذا الأمر عن ميزة دفع الفواتير المتكرر التي يقدمها المصرف. في دفع الفواتير المتكرر، أنت تمنح الإذن للمصرف أو الاتحاد الائتماني لإرسال الدفعات إلى الشركة.


    شهادة الإيداع (CD) (Certificate of deposit (CD))

    شهادة الإيداع أو (CD) هي نوع خاص من حسابات التوفير التي تقدمها البنوك أو الاتحادات الائتمانية. يجب عليك بشكل عام الاحتفاظ بالأموال في شهادة الإيداع لفترة زمنية محددة لتجنب العقوبات.

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    تجديد شهادة الإيداع (CD) (Certificate of deposit (CD) rollover)

    يمكن أن يحدث التمديد أو التجديد في نهاية مدة شهادة الإيداع(CD) .

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    الكمبيالة تحت الطلب (Demand draft)

    تسمح الكمبيالة تحت الطلب لشخص ما بسحب الأموال من حسابك الجاري دون توقيعك.

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    تعليق الإيداع (Deposit hold)

    يُشار أحياناً إلى مقدار الوقت الذي يحتفظ فيه البنك أو الاتحاد الائتماني بالأموال التي تودعها عن طريق الشيك بفترة "تعليق الإيداع" أو "تعليق الشيك". قد توفر بعض البنوك أو الاتحادات الائتمانية الأموال بسرعة أكبر مما يتطلبه القانون، وقد يُسرّع بعضها من توفر الأموال مقابل رسوم.


    المؤتمن (Fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. عندما يتم تسميتك بصفتك مؤتمناً، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك.


    الوصي على الممتلكات (Guardian of property)

    الوصي على الممتلكات هو شخص تسميه المحكمة لإدارة الأموال والممتلكات لشخص آخر وجدت المحكمة أنه لا يمكنه إدارة أمواله وممتلكاته بمفرده.

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    رقم تعريف دافع الضرائب الفردي (ITIN) (Individual taxpayer identification number (ITIN))

    رقم تعريف دافع الضرائب الفردي (ITIN) هو رقم تعريف تحصل عليه من دائرة الإيرادات الداخلية (مصلحة الضرائب). يتوفر رقم تعريف دافع الضرائب الفردي (ITIN) فقط لبعض الأجانب المقيمين وغير المقيمين، وزوجاتهم، والمعالين الذين لا يمكنهم الحصول على رقم الضمان الاجتماعي.


    حساب مشترك (Joint account)

    إذا كنت ترغب في تمكين صديق أو أحد أفراد العائلة من كتابة الشيكات وإجراء الودائع نيابة عنك، فقد تفكر في فتح حساب مشترك. بشكل عام، يمكن لكل شخص يكون اسمه في حساب مشترك كتابة الشيكات أو سحب الأموال أو إجراء المعاملات أو نقل الأموال أو إغلاق الحساب. وإذا كان أحد أصحاب الحسابات يدين بالمال، فإن الدائن يستطيع أن يحاول تحصيل الأموال من الحساب المصرفي المشترك.


    حساب سوق المال (Money market account)

    حساب سوق المال هو نوع خاص من الحسابات تقدمه البنوك والاتحادات الائتمانية.


    رسوم الأموال غير الكافية (NSF) (Non-sufficient funds (NSF) fees)

    قد يتم فرض رسوم (NSF) أو رسوم الأموال غير الكافية عندما لا يتم دفع الشيك أو التفويض الإلكتروني بسبب نقص الأموال في حسابك. يشار إلى هذا عادةً باسم الشيك "المرتجع" أو "المرتد".


    السحب على المكشوف (Overdraft)

    يحدث السحب على المكشوف عندما لا يكون لديك ما يكفي من المال في حسابك لتغطية المعاملة، ولكن البنك يدفع المعاملة على أية حال. يمكنك السحب على المكشوف من حسابك من خلال الشيكات ومعاملات الصراف الآلي والشراء ببطاقات الخصم ودفع الفواتير التلقائي والسحب الإلكتروني أو الشخصي.

    تقدم العديد من البنوك والاتحادات الائتمانية برامج حماية من السحب على المكشوف يقوم فيها المصرف أو الاتحاد الائتماني عموماً بدفع المعاملة ويفرض عليك رسوماً (بالإضافة إلى المطالبة بسداد مبلغ السحب على المكشوف). يمكن أيضاً تغطية السحب على المكشوف من خلال تحويل الأموال من حساب مرتبط أو بطاقة ائتمانية أو خط ائتماني.


    خط الائتمان الشخصي (Personal line of credit)

    إن خط الائتمان الشخصي هو قرض يمكنك الوصول إليه من وقت لآخر. أنت تكتب شيكات خاصة أو تطلب تحويل إلى الحساب الجاري عبر الهاتف أو عبر الإنترنت.

    مثل حساب بطاقة الائتمان، لديك حد ائتماني، وتتلقى فاتورة شهرية، وتسدد حداً أدنى للدفع على الأقل، وتدفع الفائدة على أساس رصيدك المستحق، وربما تدفع رسوماً في كل مرة تستخدم فيها الحساب.

    خطوط الائتمان الشخصية غير مضمونة، على عكس خطوط الائتمان الخاصة بملكية المنزل (HELOCs)، والتي تكون مدعومة برهن عقاري على منزلك. يتم تقديم خطوط الائتمان الشخصية من قبل البنوك والاتحادات الائتمانية وعادة ما تتطلب أن يكون لديك أيضاً حساب جارٍ مع نفس المؤسسة.


    التوكيل الرسمي (Power of attorney)

    التوكيل الرسمي (POA) هو مستند قانوني يسمح لشخص آخر بالتصرف نيابة عنك. يعد إنشاء توكيل رسمي طريقة لتعيين صانع قرار بديل وهو غير مكلف نسبياً، على الرغم من أنه قد يتطلب مساعدة من محامٍ.

    ويمكن استخدام التوكيل (POA) المالي كأداة للتخطيط للعجز في المستقبل - عدم القدرة على اتخاذ القرارات المالية بسبب، على سبيل المثال، الخرف أو إصابات الدماغ الرضية أو بعض الإعاقات الأخرى التي تؤثر على الوظيفة العقلية. عند استخدامه للتخطيط المسبق، يكون التوكيل (POA) عموماً "دائم"، مما يعني أنه يستمر في كونه فعالاً حتى إذا أصبح الشخص الذي قام بإنشائه عاجزاً. تابع القراءة لمعرفة المزيد عن التوكيل الرسمي (POA).


    المستفيد التمثيلي (Representative payee)

    تعيّن إدارة الضمان الاجتماعي (SSA) شخصاً ليكون ممثلاً للمستفيد لشخص آخر يحتاج إلى مساعدة في إدارة مدفوعات الضمان الاجتماعي أو مخصصات دخل الضمان التكميلي (SSI). يمكن لممثل المستفيد إدارة شيكات الاستحقاق التي يدفعها نظام إدارة الضمان الاجتماعي فقط. إذا كان الشخص الذي يتلقى المزايا يملك أموالاً أو ممتلكات أخرى لا يستطيع إدارتها، فيجب أن يكون لممثل المستفيد سلطة قانونية من مصدر آخر لإدارة أموال أخرى. على سبيل المثال، يمكن للمحكمة أيضاً تعيين ممثل المستفيد كحارس للممتلكات. كممثل للمستفيد من الضمان الاجتماعي، أنت مؤتمن.

    لمزيد من المعلومات حول ممثل المستفيد، اقرأ هذا الدليل حول إدارة أموال شخص آخر.


    وصية الشخص الحي القابلة للإلغاء (Revocable living trust)

    إن وصية الشخص الحي القابلة للإلغاء هي وثيقة قانونية تمنحك سلطة اتخاذ قرارات بشأن أموال شخص آخر أو ممتلكاته التي يحتفظ بها في صندوق استئماني.

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    ممثل المستفيد من الضمان الاجتماعي (Social Security representative payee)

    يتم تعيين ممثل المستفيد من قبل إدارة الضمان الاجتماعي لشخص آخر يحتاج إلى المساعدة في إدارة مدفوعات الضمان الاجتماعي أو استحقاقات دخل الضمان الاجتماعي التكميلي.

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    مؤتمن إدارة شؤون المحاربين القدماء (VA fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. وتتولى إدارة شؤون المحاربين القدامى (VA) تعيين المؤتمنين لإدارة مزايا المحاربين القدامى لصالح الأشخاص الذين لا يستطيعون إدارة الأموال بأنفسهم.

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    معدل الفائدة السنوية المئوية ((APR) Annual percentage rate)

    يعد معدل (APR)، أو معدل الفائدة السنوية المئوية، الطريقة القياسية لمقارنة تكلفة القروض. فهو يسمح لك بمقارنة تكاليف منتجات القروض على أساس "تفاح مقابل تفاح". يجب أن تكشف الشركة المصدرة لبطاقة الائتمان عن معدل الفائدة السنوية المئوية (APR) قبل قيامك بالموافقة على استخدام البطاقة.

    لحساب معدل الفائدة السنوية المئوية (APR)، تتم مقارنة سعر الفائدة والرسوم بالمبلغ الذي تقترضه وتحتسب على مدى فترة سنة واحدة. يتيح لك ذلك مقارنة تكاليف بطاقة الائتمان بقرض بأقساط لمدة ستة أشهر. وهذا هو سبب اختلاف معدلات الفائدة السنوية المئوية (APRs) غالباً عن أسعار الفائدة البسيطة.

    تحويل الرصيد (Balance transfer)

    يتيح لك تحويل الرصيد نقل رصيد مستحق من بطاقة ائتمان إلى أخرى، مقابل رسوم في بعض الأحيان. عادة ما تكون الرسوم نسبة مئوية معينة من المبلغ الذي تقوم بتحويله أو مبلغ ثابت، أيهما أكثر. تقدم العديد من شركات بطاقات الائتمان تحويلات مالية بنسبة صفر في المئة أو بفائدة منخفضة لدعوتك إلى دمج ديونك في بطاقة ائتمان واحدة. يستمر سعر الفائدة الترويجي لمعظم التحويلات المالية لفترة محدودة. بعد ذلك، قد يرتفع سعر الفائدة على بطاقة الائتمان الجديدة، مما يزيد من مبلغ دفعاتك.

    إذا تأخرت أكثر من 60 يوماً عن الدفع، فيمكن لشركة بطاقات الائتمان زيادة سعر الفائدة على كل الأرصدة، بما في ذلك الرصيد المحول.



    الرصيد الدائن (Credit balance)

    الرصيد الدائن في بيان الفواتير الخاص بك هو المبلغ الذي تدين به لك جهة إصدار البطاقة.

    تتم إضافة الأرصدة الدائنة إلى حسابك في كل مرة تقوم فيها بالدفع. كما يمكن إضافتها عند إرجاع شيء اشتريته بواسطة بطاقة ائتمان أو بسبب مكافآت كسبتها أو خطأ في فاتورة سابقة. إذا تجاوز إجمالي الأرصدة الدائنة المبلغ الذي تدين به، يظهر رصيدك الدائن في كشف الحساب.
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    معدل الفائدة الدوري اليومي (Daily periodic rate)

    تقوم بعض جهات إصدار البطاقات بحساب الفائدة على الحساب باستخدام معدل الفائدة الدوري اليومي، والذي يتم استخدامه لحساب الفائدة عن طريق ضرب المعدل في المبلغ المستحق في نهاية اليوم. ثم يضاف مبلغ الفائدة هذا إلى رصيد اليوم السابق، وهذا يعني أن الفائدة تتفاقم على أساس يومي.

    فترة السماح (Grace period)

    فترة السماح هي الفترة بين نهاية دورة الفوترة وتاريخ استحقاق الدفع. خلال هذا الوقت، قد لا يتم فرض فائدة عليك طالما أنك تدفع رصيدك بالكامل بحلول تاريخ الاستحقاق. لا يطلب من شركات بطاقات الائتمان منح فترة سماح. ومع ذلك، توفر معظم بطاقات الائتمان فترة سماح على عمليات الشراء.
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    سعر الفائدة (Interest rate)

    إن سعر فائدة بطاقة الائتمان هو السعر الذي تدفعه في مقابل اقتراض المال. بالنسبة لبطاقات الائتمان، عادةً ما يتم تحديد أسعار الفائدة كمعدل سنوي، وهذا ما يسمى معدل الفائدة السنوية المئوية (APR). في معظم البطاقات، يمكنك تجنب دفع الفائدة على المشتريات إذا دفعت رصيدك بالكامل كل شهر بحلول تاريخ الاستحقاق.

    عرض بطاقة الائتمان ذات الفحص المسبق (Prescreened credit card offer)

    يتم عرض بطاقة الائتمان ذات الفحص المسبق عندما تستخدم شركات بطاقات الائتمان معلومات من شركات تقارير الائتمان لتقديم عروض ائتمانية مؤكدة لك إذا كان سجلك الائتماني يفي بالمعايير التي حددتها شركة البطاقة.
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    الاستخدام غير المصرح به (Unauthorized use)

    بشكل عام، فإن الاستخدام غير المصرح به هو استخدام بطاقة ائتمان من قبل شخص ليس لديه الحق في استخدام البطاقة. على سبيل المثال، إذا فقدت بطاقتك وقام شخص ما بالعثور عليها واستخدامها، سيكون ذلك استخداماً غير مصرح به.

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    الاستعلام عن الائتمان (Credit inquiry)

    يشير الاستعلام إلى طلب للنظر في ملف الائتمان الخاص بك، وهو يندرج عموماً ضمن أحد النوعين.
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    غير المرئي من الناحية الائتمانية (Credit invisible)

    في عام 2015، قٌمنا بنشر تقرير خلص إلى أن 26 مليون أميركي "غير مرئيين من الناحية الائتمانية". ويشير هذا الرقم إلى أن واحداً من كل عشرة بالغين لا يملك أي تاريخ ائتماني مع إحدى الشركات الثلاث الوطنية للإبلاغ عن الائتمان. هناك 19 مليون مستهلك إضافي لديهم ملفات ائتمانية "غير قابلة للمراقبة"، مما يعني أن ملفهم ضعيف ولديهم سجل ائتماني غير كافٍ (9.9 مليون) أو لديهم ملفات قديمة ويفتقرون إلى أي سجل ائتماني حديث (9.6 مليون). وباختصار، هناك 45 مليون مستهلك قد لا يحصلون على الائتمان لأنهم لا يملكون سجلات ائتمانية يمكن تقييمها. فالأشخاص الذين يعتبرون غير مرئيين من الناحية الائتمانية أو ملفاتهم الائتمانية غير قابلة للمراقبة بشكل عام لا يتمتعون بإمكانية الوصول إلى ائتمان جيد وقد يواجهون مجموعة من المشكلات، من محاولة الحصول على الائتمان إلى استئجار شقة.

    خدمة مراقبة الائتمان (Credit monitoring service)

    خدمة مراقبة الائتمان هي خدمة تجارية تفرض عليك رسوماً لمراقبة تقارير الائتمان الخاصة بك وتنبيهك بالتغييرات التي تطرأ على الحسابات المدرجة في تقرير الائتمان الخاص بك.
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    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني وحالة الائتمان الحالية مثل تاريخ تسديد القرض وحالة حسابات الائتمان الخاصة بك.

    شركة إعداد التقارير الائتمانية (Credit reporting company)

    شركات إعداد التقارير الائتمانية، والمعروفة أيضاً باسم مكاتب الائتمان أو وكالات الإبلاغ عن تقارير المستهلك، هي شركات تقوم بتجميع تقارير الائتمان وبيعها.

    درجة الائتمان (Credit score)

    تتنبأ درجة الائتمان بمدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج التسجيل - لإنشاء درجة الائتمان الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. من المهم أن تعرف أنه ليس لديك درجة ائتمان "واحدة" فقط وأن هناك العديد من درجات الائتمان المتاحة لك وكذلك للمقرضين. تعتمد أي درجة ائتمانية على البيانات المستخدمة لحسابها، وقد تختلف اعتماداً على نموذج التسجيل، ومصدر سجل الائتمان الخاص بك، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    قانون الإبلاغ العادل عن الائتمان (Fair Credit Reporting Act)

    ويعمل القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA) على تعزيز دقة المعلومات وعدالتها وخصوصيتها في ملفات وكالات الإبلاغ عن تقارير المستهلكين. هناك العديد من أنواع وكالات الإبلاغ عن تقارير المستهلكين، بما في ذلك مكاتب الائتمان والوكالات المتخصصة (مثل الوكالات التي تبيع معلومات عن سجلات كتابة الشيكات والسجلات الطبية وسجلات تاريخ الإيجار). تعرف على المزيد عن حقوقك الرئيسية في إطار القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA).


    درجة FICO score) FICO)

    إن درجة FICO® هي علامة تجارية معينة من درجة الائتمان.

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    تنبيه الاحتيال (Fraud alert)

    يتطلب تنبيه الاحتيال من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود بناءً على طلب المستهلك. عندما تضع تنبيها بشأن الاحتيال في تقرير الائتمان الخاص بك لدى إحدى شركات الإبلاغ عن تقارير الائتمان على المستوى الوطني، يجب على هذه الشركة أن تخطر الشركات الأخرى بذلك. هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة.



    مراقبة الهوية أو الحماية من سرقة الهوية (Identity monitoring or identity theft protection)

    تراقب خدمات سرقة الهوية معلومات التعريف الشخصية في طلبات الائتمان والسجلات العامة ومواقع الويب وغيرها من الأماكن لأي نشاط غير اعتيادي قد يظهر علامات على سرقة الهوية.

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    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص هويتك الشخصية لارتكاب عملية احتيال. قد يعني سرقة هويتك استخدام معلومات شخصية من دون إذنك، مثل:

    • اسمك
    • رقم الضمان الاجتماعي
    • رقم بطاقة الائتمان


    تنبيه الخدمة العسكرية النشطة (Military active duty alert)

    يمكن لأفراد القوات المسلحة (مثل أفراد المارينز والجيش والبحرية والقوات الجوية وخفر السواحل) أن يطلبوا تنبيه الخدمة العسكرية النشطة. عندما تضع تنبيها حول نشاطك في الخدمة العسكرية على تقرير الائتمان الخاص بك، يجب على الدائنين اتخاذ خطوات معقولة للتأكد من أنك الشخص الذي يقدم الطلب بالفعل قبل فتح حساب، أو إصدار بطاقة ائتمان إضافية على حساب موجود، أو زيادة حد الائتمان على حسابك الحالي. تستمر تنبيهات الخدمة العسكرية النشطة لمدة 12 شهراً. ستتم إزالة اسمك أيضاً من قوائم التسويق للفحص المسبق لشركات إعداد التقارير الائتمانية على المستوى الوطني لعروض الائتمان والتأمين لمدة عامين.


    التحصيل المدفوع (Paid collection)

    التحصيل المدفوع هو حساب دخل في مرحلة التحصيل لأنه فات موعد استحقاقه ثم تم دفعه.
    اقرأ المزيد (باللغة الإنكليزية)


    التجميد الأمني

    يمنع "التجميد الأمني" لتقرير الائتمان الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح حسابات باسمك حتى تقوم برفع التجميد. نظراً لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع لصوص الهوية من فتح حسابات جديدة باسمك.


    شركات إعداد تقارير المستهلك المتخصصة (Specialty consumer reporting company)

    تقوم شركات إعداد تقارير المستهلك المتخصصة بجمع وتبادل المعلومات حول تاريخ التوظيف الخاص بك، وسجل المعاملات مع الأعمال التجارية أو تاريخ السداد لمنتج أو خدمة معينة.


    تقرير فحص المستأجر (Tenant screening report)

    تقرير يستخدمه الملاك للمساعدة في اتخاذ القرارات بشأن المستأجرين المحتملين. قد يحتوي تقرير فحص المستأجر على معلومات من مصادر عديدة بما في ذلك سجل الإيجار وتقارير الائتمان.

    اقرأ المزيد (باللغة الإنكليزية)


    ملف الائتمان الرقيق/ عدم وجود ملف ائتمان (Thin credit file / No credit file)

    يعني ملف الائتمان الرقيق أو عدم وجود ملف ائتمان أن الشخص ليس لديه سجل ائتماني أو ليس لديه سجل ائتماني حالي كافٍ لإنتاج درجة ائتمانية. انظر:غير المرئي من الناحية الائتمانية

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    مستشار ائتماني (Credit counselor)

    يمكن أن يساعد المستشارون الائتمانيون فيما يلي:

    • تقديم النصح لك بشأن إدارة أموالك وديونك
    • مساعدتك في وضع ميزانية
    • وهم في الغالب يقومون بتوفير مواد تعليمية وورش عمل مجانية

    وعادة ما يكون المستشارون الائتمانيون حاصلين على شهادات ومدربين في مجالات الائتمان الاستهلاكي وإدارة الأموال والديون والميزانية. يناقش المستشارون وضعك المالي بالكامل معك ويساعدون في وضع خطة مخصصة لحل مشاكلك المالية.

    قاعدة تحصيل الديون (Debt collection rule)

    أصدر مكتب الحماية المالية للمستهلكين (CFPB) "قواعد" سارية اعتباراً من 30 نوفمبر/ تشرين الثاني، 2021 توضح وتفسر القانون الفيدرالي لممارسات التحصيل العادل للديون (FDCPA).
    اقرأ المزيد (باللغة الإنكليزية)

    مُحصّل الديون (Debt collector)

    بموجب القانون الفيدرالي لممارسات التحصيل العادل للديون، يكون مُحصّل الديون عموماً شخصاً أو شركة تقوم بتحصيل الديون المستحقة للآخرين بانتظام، وعادةً عندما تكون هذه الديون متأخرة السداد.

    ويشمل محصلو الديون وكالات التحصيل أو المحامين الذين يحصلّون الديون كجزء من أعمالهم. هناك أيضاً شركات تشتري الديون المتأخرة من الدائنين أو الشركات الأخرى ثم تحاول تحصيلها. ويطلق على محصلي الديون هؤلاء أيضاً وكالات تحصيل الديون، أو شركات تحصيل الديون، أو مشتري الديون.


    خدمات تسوية (تخفيف) الديون (Debt settlement (relief) services)

    إن شركات تسوية الديون هي شركات تزعم أنها قادرة على إعادة التفاوض أو التسوية أو تغيير شروط ديون الشخص إلى دائن أو مُحصّل ديون. إن التعامل مع شركات تسوية الديون قد يكون محفوفاً بالمخاطر. اقرأ المزيد (باللغة الإنكليزية)

    قانون ممارسات التحصيل العادل للديون ((FDCPA) Fair Debt Collection Practices Act)

    قانون ممارسات التحصيل العادل للديون (FDCPA) هو القانون الفيدرالي الرئيسي الذي يحكم ممارسات تحصيل الديون. يحظر قانون ممارسات التحصيل العادل للديون (FDCPA) على شركات تحصيل الديون استخدام ممارسات مسيئة أو غير عادلة أو مخادعة لجمع الديون منك. اقرأ المزيد من المعلومات حول حقوقك في إطار قانون ممارسات التحصيل العادل للديون (FDCPA).

    حجز مال المدين لدى الغير (Garnishment)

    يحدث الحجز على المرتب أو الحساب المصرفي عندما يأخذ الدائن جزءاً من راتبك أو أموالك من حسابك المصرفي لتحصيل المال الذي تدين به. وتتطلب عمليات حجز مال المدين لدى الغير عموماً أمراً قضائياً يصدر عن حكم قضائي. ولكن بعض الديون المستحقة للحكومة قد تؤدي أيضاً إلى الحجز، حتى بدون حكم.

    قوانين الولاية والقوانين الفيدرالية لها حدود أو "إعفاءات" تنطبق على عملية الحجز على الحساب المصرفي والأجور، عادةً للتأكد من أن لديك شيئاً ما تبقى لتعيش عليه. كما يعد انتهاكاً لقانون ممارسات التحصيل العادل للديون (FDCPA) أن يهدد مُحصّل الديون بالحجز على راتبك إذا لم يكن من الممكن حجز راتبك بشكل قانوني.

    المضايقة من قِبل مُحصّل الديون (Harassment by a debt collector)

    يقول قانون ممارسات التحصيل العادل للديون (FDCPA) أن محصلي الديون لا يستطيعون مضايقتك أو قمعك أو إساءة معاملتك أنت أو أي شخص آخر يتصلون به.

    ومن الممكن أن تأتي المضايقات من قبل مُحصّل الديون بأشكال مختلفة. تشمل الأمثلة المكالمات الهاتفية المتكررة التي تهدف إلى إزعاجك، أو إساءة معاملتك أو مضايقتك أنت أو أي شخص يرد على الهاتف؛ واستخدام لغة بذيئة أو مهينة؛ والتهديدات بالعنف أو الأذى؛ ونشر قوائم بالأشخاص الذين يرفضون سداد ديونهم (لا يشمل ذلك الإبلاغ عن المعلومات إلى شركة إعداد تقارير الائتمان)؛ والاتصال بك دون إخبارك من هُم.


    الحُكم (Judgement)

    الحُكم هو نتيجة رسمية لدعوى قضائية في المحكمة. في دعاوى تحصيل الديون، يجوز للقاضي أن يمنح الدائن أو مُحصّل الديون حكماً ضدك. إذا لم ترد على شكوى قانونية، فستفقد فرصتك للدفاع عن نفسك وقد تجد أن حُكماً قد صدر ضدك.

    إذا قام شخص ما بمقاضاتك، أو إذا حصل شخص ما على حكم ضدك ولم تكن متأكداً مما يجب عليك القيام به، فتحدث إلى محامٍ. قد يقدم بعض المحامين خدمات مجانية أو يتقاضون رسوماً مخفضة. قد تكون هناك أيضاً مكاتب للمساعدة القانونية أو عيادات قانونية في منطقتك تقدم خدماتها مجاناً إذا استوفيت معايير معينة. يجب على أفراد القوات المسلحة في الخدمة استشارة المكتب المحلي للوكيل العام القاضي (JAG) .


    رسالة ذات محتوى محدود (Limited-Content Message)

    بموجب قاعدة تحصيل الديون، هذه رسالة بريد صوتي إلى المستهلك يجب أن تحتوي على بعض المعلومات المطلوبة وقد تحتوي على محتوى اختياري آخر.
    اقرأ المزيد (باللغة الإنكليزية)

    الدائن الأصلي (Original creditor)

    بشكل عام، الدائن الأصلي هو الشركة التي قدمت لك القرض أو الائتمان. قد يحاول الدائن الأصلي تحصيل حساب ائتمان متأخر السداد بنفسه، أو قد يستأجر محصلاً للديون. ويجوز للدائن الأصلي أيضاً أن يبيع حسابك الائتماني إلى مُحصّل للديون. ويكون مًحصل الديون بوجه عام طرفاً ثالثاً تم التعاقد معه خصيصاً لتحصيل حسابك، أو شخصاً اشتراه من الدائن الأصلي أو من جهة أخرى تقوم بتحصيل الديون أو من مشتري للديون.

    قانون التقادم (Statute of limitations)

    قانون التقادم هو الفترة الزمنية المحدودة التي يتعين على الدائنين أو محصلي الديون القيام فيها برفع دعوى قضائية لاسترداد الديون. تقع معظم قوانين التقادم في نطاق ثلاث إلى ست سنوات، على الرغم من أنها قد تمتد ف

    ي بعض الولايات القضائية لفترة أطول. قد تختلف قوانين التقادم وفقاً لقوانين الولاية أو نوع الدين الذي لديك أو قانون الولاية المذكور في اتفاقية الائتمان الخاصة بك.

    إشعار التحقق (Validation notice)

    مطلوب من محصل الديون تقديم معلومات معينة عندما يتواصل لأول مرة مع المستهلك، أو بعد فترة وجيزة. عندما يقدم مُحصّل الديون هذه المعلومات المطلوبة إلكترونياً أو كتابياً، يسمى هذا إشعار التحقق.

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    الاستغلال المالي لكبار السن (Elder financial exploitation)

    الاستغلال المالي لكبار السن هو الاستخدام غير القانوني أو غير المناسب لأموال أو ممتلكات أو أصول كبار السن. وهو الشكل الأكثر شيوعًا لإيذاء كبار السن، ولكن يتم الإبلاغ عن نسبة قليلة فقط من الحوادث.

    يمكن أن يكون الجناة غرباء يكتسبون ثقة كبار السن، ولكن يمكن أن يكونوا أيضًا أفرادًا من العائلة أو الأصدقاء. من المهم معرفة الإشارات التحذيرية. اقرأ المزيد (باللغة الإنكليزية)

    عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري (Foreclosure relief scam)

    إن عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري وتعديل قروض الرهن العقاري هي مخططات لأخذ أموالك أو منزلك - غالبًا عن طريق تقديم وعد كاذب بإنقاذك من الحجز على الرهن العقاري. قد يطلب هؤلاء المحتالون المال مقدمًا ويدعون أنه يمكنك تغيير شروط الرهن العقاري الخاصة بك. إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري، فيمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية المدنية الأمريكية (HUD) إرشادك إلى الخيارات المتاحة أمامك مجانًا.

    التنبيه من حالات الاحتيال للوقاية (Fraud alert for prevention)

    التنبيه من حالات الاحتيال هو شيء يمكنك استخدامه لتقليل احتمالية تعرضك لسرقة هوية حساب جديد. يتطلب من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود. عندما تضع تنبيهًا بالاحتيال على تقرير الائتمان الخاص بك في إحدى شركات التقارير الائتمانية على مستوى الدولة، يجب على الشركة إخطار الآخرين.

    هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة. أعضاء الجيش لديهم خيار إضافي متاح لهم - تنبيهات الخدمة الفعلية، والتي توفر الحماية لأفراد الخدمة أثناء وجودهم في الخدمة الفعلية. اقرأ المزيد (باللغة الإنكليزية).

    الاحتيال من قبل الوكلاء الائتمانيين (Fraud by fiduciaries)

    الوكيل الائتماني هو الشخص الذي يدير أموال أو ممتلكات شخص آخر. على سبيل المثال، الوكلاء بموجب توكيل رسمي والأوصياء الذين تعينهم المحكمة هم الوكلاء الائتمانيون.

    عندما يتم تسميتك بصفتك وكيلًا ائتمانيًا، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك. عندما ينفق الوكيل الائتماني المال لمصلحته الخاصة، فقد يكون ذلك احتيالًا.

    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص ما هويتك لارتكاب عملية احتيال.

    قد تعني سرقة هويتك استخدام المعلومات الشخصية دون إذنك، مثل اسمك أو رقم الضمان الاجتماعي أو معلومات الحساب المصرفي أو رقم بطاقة الائتمان.تقدم لجنة التجارة الفيدرالية معلومات حول منع سرقة الهوية والتحقق فيها.

    عمليات احتيال منتحلي الشخصية (Imposter scams)

    يحاول المحتالون منتحلو الشخصية إقناعك بإرسال الأموال من خلال التظاهر بأنهم أشخاص تعرفهم أو تثق بهم مثل ضابط أمن المنطقة أو موظف حكومي محلي أو تابع للولاية أو فيدرالي أو منظمة خيرية. تذكر أنه يمكن تزوير معرف المتصل. يمكنك دائمًا الاتصال بالمنظمة أو الوكالة الحكومية والسؤال عما إذا كان الشخص يعمل لديهم قبل تقديم أي أموال.

    الاحتيال عبر البريد (Mail fraud)

    تبدو رسائل الاحتيال عبر البريد حقيقية لكن الوعود وهمية. الإشارات التحذيرية الشائعة هي رسالة تطلب منك إرسال أموال أو معلومات شخصية الآن للحصول على شيء ذي قيمة بعد إرسال الأموال أو المعلومات.

    التصيد الاحتيالي (Phishing)

    في التصيد الاحتيالي، ينتحل المحتال شخصية شركة أو شخصًا لخداعك لتزويدهم بمعلوماتك الشخصية، مثل كلمات المرور أو أرقام بطاقات الائتمان أو معلومات الحساب المصرفي. قد يستخدم المحتال رسائل بريد إلكتروني أو رسائل نصية أو مواقع إلكترونية احتيالية لسرقة هذه المعلومات منك. قد تبدو رسائل البريد الإلكتروني أصلية.

    التجميد لأسباب أمنية للوقاية (Security freeze for prevention)

    يمنع التجميد لأسباب أمنية الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح الحسابات التي تتطلب فحصًا ائتمانيًا باسمك، حتى ترفع التجميد.

    نظرًا لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع سارقي الهوية من فتح حسابات جديدة باسمك. ضع في اعتبارك أن التجميد لا يمنع سارقي الهوية من الاستيلاء على الحسابات الحالية. اقرأ المزيد (باللغة الإنكليزية).

    الانتحال (Spoofing)

    يحدث الانتحال عندما يخفي المتصل المعلومات المعروضة في معرف المتصل الخاص بك. وهذا يعطي المتصل القدرة على إخفاء أو "انتحال" الاسم و / أو الرقم للظهور كما لو كانوا يتصلون بصفتهم شخص معين من مكان معين.

    الاحتيال عبر التحويل الإلكتروني أو تحويل الأموال (Wire or money transfer fraud)

    يخدعك بعض المحتالين حتى تقوم بالتحويل الإلكتروني أو تحويل الأموال لسرقتها منك. أحد الأمثلة الشائعة على الاحتيال عبر التحويل الإلكتروني هو "الاحتيال على الأجداد". يحدث هذا عندما يتصل المحتال الذي يتظاهر بأنه حفيد أو صديق للحفيد ويقول إنه في بلد أجنبي، أو في مشكلة ما، ويحتاج إلى أموال عبر التحويل الإلكتروني أو مرسلة على الفور.

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    How to avoid foreclosure (in Arabic)
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    كيفية تجنب الحجز على الرهن العقاري

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    أهم شيء يمكنك القيام به عندما تواجه مشكلة في سداد الرهن العقاري هو أخذ زمام الأمور. في معظم الحالات، فإن أسوأ شيء يمكنك فعله هو لا شيء. والأخذ بزمام الأمور يعني اتخاذ أربع خطوات:

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    1. إجراء أو تلقي مكالمة هاتفية للحصول على المساعدة

    خذ زمام الأمور عن طريق قبول مكالمات من محصّل أقساط الرهن العقاري الخاص بك. والأفضل من ذلك، اتصل بمحصّل أقساط الرهن العقاري بمجرد أن عرفت أنه لا يمكنك سداد دفعتك الشهرية. ورقم الهاتف موجود في فاتورتك الشهرية. وأخبر محصّل الأقساط الرهن العقاري الخاص بك عن سبب عدم قدرتك على سداد مدفوعاتك الشهرية واطلب منه  المساعدة في تجنب الحجز على الرهن العقاري.

    2. طلب مساعدة الخبراء المجانية

    قد يكون محصّل أقساط الرهن العقاري الخاص بك قادرًا على المساعدة إذا واجهتك مشكلة في سداد مدفوعات القرض. إذا لم تتمكن من الحصول على ما تحتاجه من محصّل الأقساط، فاطلب مساعدة الخبراء من وكالات الاستشارة السكنية القريبة منك. يمكن للمستشارين وضع خطة عمل مخصصة ومساعدتك في العمل مع شركة الرهن العقاري التي تتعامل معها. تفضل بزيارة consumerfinance.gov/mortgagehelp (قراءة باللغة الإنجليزية) أو اتصل هاتفيا على الرقم (800) 569-4287 وأدخل الرمز البريدي الخاص بك، للعثور على مستشار إسكان معتمد من وزارة الإسكان والتنمية الحضرية (HUD).

    3. توخي الحذر من عمليات الاحتيال

    يحاول المحتالون الاستفادة من مالكي المنازل الذين يواجهون مشاكل عن طريق تحصيل الكثير من المال - تصل إلى آلاف الدولارات - مقابل وعود كاذبة بالمساعدة. لا يجب أن تدفع لأي شخص لمساعدتك في تجنب الحجز على الرهن العقاري. قد تكون المساعدة التي تحتاجها متاحة لك مجانًا من محصّل أقساط الرهن العقاري الخاص بك، أو من خلال إحدى الوكالات الاستشارية المتخصصة في الإسكان والمعتمدة من وزارة الإسكان والتنمية الحضرية (HUD).

    4. طلب المساعدة

    يجب على محصّل أقساط القرض المتعامل معك أن يتصل بك ويزودك بمعلومات دقيقة ويخبرك بخيارات تخفيف الخسارة التي قد تكون مؤهلاً لها. ويشير تخفيف الخسارة إلى الطرق التي يمكن أن يعمل معك محصّل أقساط القرض  لتجنب الحجز على الرهن العقاري. إذا أرسلت طلبًا كاملاً إلى محصّل أقساط الرهن العقاري الخاص بك في وقت مبكر بما يكفي، فسيكون على محصّل أقساط الرهن العقاري أن يخبرك بالخيارات المتاحة أمامك للاحتفاظ بمنزلك، أو مغادرة منزلك إذا كان ذلك أكثر منطقية.

    يتمتع مستشارو الإسكان بخبرة كبيرة في مساعدة الناس على تجنب الحجز على الرهن العقاري. يمكنهم مساعدتك في الخطوات المعقدة لفهم خياراتك والتقدم بطلب للحصول على المساعدة.

    لا يمكن لمحصّل أقساط الرهن العقاري تقديم إشعار أولي أو طلب حجز على الرهن العقاري إلا بعد أن تتأخر أكثر من 120 يومًا عن سداد مدفوعاتك. بالإضافة إلى ذلك، عند تقديم طلب كامل للحصول على المساعدة في الرهن العقاري في وقت مبكر بما يكفي، لا يمكن لمحصّل أقساط الرهن العقاري البدء في إجراءات الحجز على الرهن العقاري أثناء تقييمك أو إذا كنت تتابع متطلبات تعديل القرض. لذا أنجز الأمر ولا تتأخر. كلما أكملت تقديم الطلب مبكرًا، كلما زادت إجراءات الحماية التي تحصل عليها.

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    كيفية اكتشاف عملية احتيالية للحجز على الرهن العقاري

    قد يخبرك منفذو العمليات الاحتيالية للحجز على الرهن العقاري بأنهم سينقذون منزلك من الحجز على الرهن العقاري، في حين أنهم في الحقيقة يأخذون أموالك فقط.

    انتبه لعلامات التحذير من الاحتيال الآتية:

    • يُطلب منك الدفع مقدمًا للحصول على المساعدة.
    • تضمن الشركة أنها ستغير شروط الرهن العقاري الخاص بك.
    • تضمن الشركة أنك لن تفقد منزلك.
    • يُطلب منك التوقيع على نقل ملكية منزلك أو التوقيع على مستندات أخرى لا تفهمها.
    • يتم توجيهك لإرسال مدفوعاتك إلى شخص آخر بخلاف شركة الرهن العقاري أو محصّل أقساط الرهن العقاري المتعامل معك.
    • تعرض الشركة إجراء "تدقيق شرعي للحسابات".
    • يُطلب منك التوقف عن سداد أقساط الرهن العقاري الخاص بك.
    • تذكر الشركة أنها تابعة للحكومة، أو تستخدم شعارًا يشبه ختم الحكومة ولكنه مختلف قليلاً.
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    تقديم شكوى بخصوص منتج أو خدمة مالية

    نرسل كل أسبوع أكثر من 10,000 شكوى حول المنتجات والخدمات المالية إلى الشركات للرد عليها. إذا كانت هناك وكالة أخرى قادرة على تقديم المساعدة بشكل أفضل، فسنرسلها إليهم ونعلمك بذلك. ومعظم الشركات تردّ في غضون 15 يومًا.

    • عبر الإنترنت (قراءة باللغة الإنجليزية) (باللغة الإنجليزية)
    • أو عن طريق الهاتف على الرقم (855) 411-2372 للمساعدة باللغة الإنجليزية، و 180 لغة أخرى. يتم الرد على المكالمات عادةً في أقل من دقيقة واحدة. وستتم ترجمة شكواك إلى اللغة الإنجليزية وإرسالها إلى الشركة للرد عليها. عندما ترد الشركة، فإنها ترد عادةً باللغة الإنجليزية، ولكن يمكنك الاتصال بنا لسماع رد مترجم.
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    Mortgages key terms (in Arabic)
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    المصطلحات الرئيسية للرهون العقارية

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    رهن عقاري قابل للتعديل 5/1 (5/1 Adjustable Rate Mortgage)

    الرهن العقاري القابل للتعديل 5/1 (ARM) أو الرهن العقاري القابل للتعديل لمدة 5 سنوات هو قرض عقاري حيث "5" هو عدد السنوات التي سيبقى فيها سعر الفائدة الأولي ثابتًا. يمثل "1" عدد المرات التي سيتم فيها تعديل سعر الفائدة بعد انتهاء فترة الخمس سنوات الأولى. أكثر الفترات الثابتة شيوعًا هي 3 و 5 و 7 و 10 سنوات و "1" هي فترة التعديل الأكثر شيوعًا. من المهم قراءة العقد بعناية وطرح الأسئلة إذا كنت تفكر في الرهن العقاري القابل

    تعرف على المزيد حول كيفية تغيير الأسعار القابلة للتعديل.



    قاعدة القدرة على السداد (Ability-to-repay rule)

    قاعدة القدرة على السداد هي القرار المعقول وحسن النية المطلوب من معظم مقرضي الرهن العقاري للتأكد من قدرتك على سداد القرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الرهن العقاري القابل للتعديل (ARM) (Adjustable Rate Mortgage - ARM)

    الرهن العقاري القابل للتعديل (ARM) هو نوع من القروض التي يمكن أن يتغير سعر الفائدة عليها، عادةً فيما يتعلق بمعدل فائدة المؤشر. سترتفع دفعاتك الشهرية أو تنخفض اعتمادًا على الفترة التمهيدية للقرض، والحد الأقصى لأسعار الفائدة، ومعدل الفائدة على المؤشر. مع الرهن العقاري القابل للتعديل، قد يبدأ معدل الفائدة والدفع الشهري أقل من الرهن العقاري ذي السعر الثابت، ولكن قد يزيد كل من معدل الفائدة والدفع الشهري بشكل كبير.

    تعرف على المزيد حول كيفية عمل الرهن العقاري القابل للتعديل وما يجب مراعاته. 



    استهلاك القروض (Amortization)

    يعني الاستهلاك سداد القرض بدفعات منتظمة بمرور الوقت، بحيث يتناقص المبلغ المستحق عليك مع كل دفعة. يتم استهلاك معظم قروض الإسكان، لكن بعض قروض الرهن العقاري لا يتم استهلاكها بالكامل، مما يعني أنك ستظل مدينًا بالمال بعد سداد جميع مدفوعاتك.

    تسمح بعض قروض الإسكان بمدفوعات تغطي فقط مبلغ الفائدة المستحقة، أو مبلغ أقل من الفائدة المستحقة. إذا كانت المدفوعات أقل من مبلغ الفائدة المستحقة كل شهر، فسوف يزيد رصيد حساب الرهن العقاري بدلاً من أن ينقص. وهذا ما يسمى بالاستهلاك السلبي. قد تتطلب برامج القروض الأخرى التي لا يتم استهلاكها بالكامل أثناء القرض دفعة كبيرة "بالوني" في نهاية مدة القرض. تأكد من أنك تعرف نوع القرض الذي تحصل عليه.

    تعرف على المزيد حول عملية شراء المنزل.



    المبلغ الممول (Amount financed)

    هذا يعني مبلغ المال الذي تقترضه من المُقرض، مطروحًا منه معظم الرسوم المسبقة التي يفرضها عليك المُقرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الدخل السنوي (Annual income)

    الدخل السنوي هو عامل في طلب قرض الرهن العقاري ويشير عمومًا إلى إجمالي الدخل المكتسب قبل الضريبة على مدار عام. قد يشمل الدخل السنوي الدخل من العمل بدوام كامل أو بدوام جزئي، أو العمل الحر، أو الإكراميات، أو العمولات، أو العمل الإضافي، أو المكافآت، أو مصادر أخرى. سوف يستخدم المُقرض معلومات حول دخلك السنوي وديونك الشهرية الحالية لتحديد ما إذا كان لديك القدرة على سداد القرض.

    يعتمد غالبًا ما إذا كان المقرض سيعتمد على مصدر دخل أو مبلغ معين عند دراسة حصولك على قرض على ما إذا كان يمكنك توقع استمرار الدخل بشكل معقول.

    تعرف على المزيد حول سبب أهمية قدرتك على السداد للمقرضين.



    معدل الفائدة السنوية المئوية (APR) (Annual Percentage Rate - APR)

    معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع لتكلفة اقتراض الأموال من معدل الفائدة. يعكس معدل الفائدة السنوية معدل الفائدة وأي نقاط ورسوم سمسرة الرهن العقاري والرسوم الأخرى التي تدفعها للحصول على القرض. لهذا السبب، عادةً ما يكون معدل الفائدة السنوية الخاص بك أعلى من معدل الفائدة الخاص بك.

    تعلم كيفية مقارنة معدلات النسبة السنوية



    رسوم التقييم (Appraisal fee)

    رسوم التقييم هي تكلفة تقييم المنزل لمنزل تخطط لشرائه أو تملكه بالفعل. توفر تقييمات المنازل تقييمًا مستقلاً لقيمة العقار. في معظم الحالات، يعود اختيار المثمن وأي تكاليف مرتبطة به إلى المقرض الخاص بك.

    تعرف على المزيد حول عملية شراء المنزل



    الدفع الأوتوماتيكي (Automatic payment)

    تسمح لك المدفوعات الأوتوماتيكية بإعداد مدفوعات الرهن العقاري المتكررة من خلال البنك الذي تتعامل معه. يمكن أن تكون المدفوعات الأوتوماتيكية طريقة مناسبة للتأكد من قيامك بسداد مدفوعاتك في الوقت المحدد.



    قرض البالون (Balloon loan)

    بالنسبة إلى الرهون العقارية، يعني قرض البالون أن القرض يحتوي على دفعة أكبر من المعتاد لمرة واحدة، وعادةً ما يكون ذلك في نهاية مدة القرض. يُطلق على الدفعة لمرة واحدة اسم "دفعة البالون"، وهي أعلى من مدفوعاتك الأخرى، وأحيانًا تكون أعلى من ذلك بكثير. إذا لم تتمكن من دفع مبلغ البالون، فقد تضطر إلى إعادة التمويل أو بيع منزلك أو مواجهة الحجز على الرهن العقاري.

    اكتشف لماذا قد تكون قروض البالون محفوفة بالمخا



    الدفع نصف الشهري (Bi-weekly payment)

    في خطة الدفع نصف الشهري، يقوم موظف خدمات الرهن العقاري بتحصيل نصف مدفوعاتك الشهرية كل أسبوعين، مما يؤدي إلى 26 دفعة على مدار العام (بإجمالي دفعة شهرية إضافية واحدة في السنة). من خلال سداد دفعات إضافية وتطبيق مدفوعاتك على الأصل، قد تتمكن من سداد قرضك مبكرًا. قبل اختيار دفعة نصف شهرية، تأكد من مراجعة شروط القرض الخاص بك لمعرفة ما إذا كنت ستخضع لغرامة السداد المسبق إذا قمت بذلك. تحقق مما إذا كان مقدم الخدمة الخاص بك يتقاضى أي رسوم لخطة الدفع نصف الشهرية. قد تكون قادرًا على تحقيق نفس الهدف بدون رسوم عن طريق سداد دفعة شهرية إضافية للرهن العقاري كل عام.



    الكشف الختامي (Closing Disclosure)

    الكشف الختامي هو نموذج مطلوب من خمس صفحات يوفر التفاصيل النهائية حول قرض الرهن العقاري الذي حددته. يتضمن بنود القرض، ودفعاتك الشهرية المتوقعة، والمبلغ الذي ستدفعه في الرسوم والتكاليف الأخرى للحصول على الرهن العقاري الخاص بك.

    تعرف على كيفية التحقق مرة أخرى من صحة جميع التفاصيل المتعلقة بالقرض الخاص بك في الكشف الختامي الخاص بك.



    قرض البناء (Construction loan)

    عادةً ما يكون قرض البناء عبارة عن قرض قصير الأجل يوفر أموالًا لتغطية تكلفة بناء أو إعادة تأهيل منزل.

    اقرأ المزيد (باللغة الإنكليزية)

    القرض التقليدي (Conventional loan)

    القرض التقليدي هو أي قرض رهن عقاري غير مؤمن عليه أو مضمون من قبل الحكومة (مثل إدارة الإسكان الفيدرالية أو إدارة شؤون المحاربين القدامى أو برامج قروض إدارة الزراعة).

    تعرف على المزيد حول حول القروض التقليدية وأنواع القروض الأخرى.



    المُوقع المشارك أو المقترض المشارك (Co-signer or co-borrower)

    المُوقع المشارك أو المقترض المشارك هو الشخص الذي يوافق على تحمل المسؤولية الكاملة لسداد قرض الرهن العقاري معك. هذا الشخص ملزم بدفع أي مدفوعات فائتة وحتى المبلغ الكامل للقرض إذا لم تدفع. تميّز بعض برامج الرهن العقاري المُوقع المشارك على أنه شخص ليس على السند وليس له أي مصلحة في ملكية المنزل المرهون. إن وجود مُوقع مشارك أو مقترض مشارك على قرض الرهن العقاري الخاص بك يمنح المقرض ضمانًا إضافيًا بأن القرض سيتم سداده. لكن السجل الائتماني والمالي للمُوقع المشارك أو المقترض المشارك في خطر إذا لم تسدد القرض.

    تعرف على المزيد حول عملية شراء المنزل.



    سجل الائتمان (Credit history)

    سجل الائتمان هو سجل لحساباتك الائتمانية وتاريخ الدفع الخاص بك في الوقت المحدد كما هو موضح في تقرير الائتمان الخاص بك. تقوم شركات تقارير المستهلك، المعروفة أيضًا باسم شركات إعداد التقارير الائتمانية، بجمع وتحديث المعلومات المتعلقة بسجلك الائتماني وتقديمه إلى الشركات الأخرى التي تستخدمه لاتخاذ قرارات بشأنك. تحتوي تقارير الائتمان على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية.

    تعرف على المزيد حول التحقق من سجلك الائتماني قبل شراء منزل.



    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية. يستخدم المقرضون نقاط الأهلية الائتمانية والمعلومات الواردة في تقرير الائتمان الخاص بك لتحديد ما إذا كنت مؤهلاً للحصول على قرض وما هو معدل الفائدة الذي تقدمه لك.

    تعرف على كيفية الحصول على نسخة من تقارير الائتمان الخاصة بك. 



    نقاط الأهلية الائتمانية (Credit score)

    تتوقع نقاط الأهلية الائتمانية مدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج حساب النقاط - لإنشاء نقاط الأهلية الائتمانية الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. هناك نماذج مختلفة لحساب النقاط، لذلك ليس لديك نقاط أهلية ائتمانية واحدة فقط. تعتمد نقاطك على تاريخك الائتماني، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    اكتشف أين يمكنك الحصول على نقاط الأهلية الائتمانية الخاصة بك. 



    نسبة الديون (Debt ratio)

    نسبة الديون إلى الدخل هي جميع مدفوعات الديون الشهرية مقسومة على الدخل الشهري الإجمالي. هذا الرقم هو أحد الطرق التي يقيس بها المقرضون قدرتك على إدارة المدفوعات الشهرية لسداد الأموال التي تخطط لاقتراضها.

    تعرف على كيفية حساب نسبة الدين إلى الدخل. 



    سند الملكية بدل الحجز على الرهن العقاري (Deed-in-lieu of foreclosure)

    سند الملكية بدل الحجز على الرهن العقاري هو إجراء تسوية حيث تقوم طواعية بتسليم ملكية منزلك إلى المقرض لتجنب عملية الحجز على الرهن العقاري. قد يساعدك سند الملكية بدل الحجز على الرهن العقاري على تجنب تحمل المسؤولية الشخصية عن أي مبلغ متبقي في الرهن العقاري. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك. سند الملكية بدل الحجز على الرهن العقاري هو أحد أنواع التخفيف من الخسارة. 



    المدفوعات المتأخرة (Delinquent)

    تعد المدفوعات المتأخرة مصطلح آخر للتأخر في سداد مدفوعاتك. يمكن أن يصبح قرضك متأخرًا في السداد عندما يفوتك السداد أو لا تسدد دفعة كاملة بحلول تاريخ الاستحقاق. في حال كونك متأخرًا عن السداد لفترة معينة من الوقت، يجوز للمقرض أو مقدم الخدمة أن يبدأ عملية الحجز على الرهن العقاري. قد تختلف الفترة الزمنية حسب الولاية.

    قد تنطبق القواعد الفيدرالية أيضًا على وقت بدء عملية الحجز على الرهن العقاري. تعرف على المزيد حول الخيارات المتاحة أمامك إذا لم تتمكن من سداد قرضك العقاري.



    ميزة الطلب (Demand feature)

    يحتوي الكشف الختامي على بيان نصه "يتضمن قرضك على ميزة الطلب"، والتي يتم تحديدها "نعم" أو "لا". تسمح ميزة الطلب للمقرض بطلب السداد المبكر للقرض.
    اقرأ المزيد (باللغة الإنكليزية)


    الدفعة الأولى (Down payment)

    الدفعة الأولى هي المبلغ الذي تدفعه مقابل المنزل مقدمًا. يمكنك خفض نسبة مئوية من قيمة المنزل وتقترض الباقي من خلال قرض الرهن العقاري الخاص بك. بشكل عام، كلما زادت الدفعة الأولى، انخفض معدل الفائدة الذي ستحصل عليه وزادت احتمالية الموافقة على القرض.

    تعرف على المزيد حول تحديد الدفعة الأولى.



    برامج الدفعة الأولى أو المنح (Down payment programs or grants)

    عادةً ما تشير منحة أو برنامج الدفعة الأولى إلى المساعدة التي تقدمها منظمة مثل الحكومة أو وكالة غير ربحية، إلى مشتري منزل لمساعدتهم في الدفعة الأولى لشراء منزل. قد يتم تقديم الأموال كمنحة صريحة أو قد تتطلب السداد، كما هو الحال عند بيع المنزل.

    فهم أين يمكنك الحصول على معلومات عن برامج الدفعة الأولى والمنح.



    العربون (Earnest money)

    العربون عبارة عن وديعة يدفعها المشتري لإظهار حسن النية على اتفاقية عقد موقعة لشراء منزل. يُحتفظ بالوديعة من قبل بائع أو طرف ثالث مثل وكيل عقارات أو شركة ملكية. إذا تم الانتهاء من بيع المنزل أو "إغلاقه"، فقد يُستخدم العربون في تكاليف الإغلاق أو الدفعة الأولى. إذا فسخ العقد لسبب جائز، يُعاد العربون إلى المشتري. إذا لم يعمل المشتري بحسن نية، فقد يتم مصادرة العربون ودفعها للبائع.

    تعرف على المزيد حول عملية شراء المنزل.



    حصة الملكية (Equity)

    حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك.

    تعرف على ما هو قرض ملكية المنزل.



    الضمان (Escrow)

    يتم إنشاء حساب ضمان بواسطة مُقرض الرهن العقاري لدفع بعض النفقات المتعلقة بالعقار، مثل ضرائب العقار والتأمين على المنزل. يذهب جزء من دفعتك الشهرية إلى الحساب. إذا لم يكن الرهن العقاري الخاص بك يحتوي على حساب ضمان، فعليك دفع المصاريف المتعلقة بالعقار مباشرة.

    اكتشف المزيد حول كيفية تأثير الضمان على مدفوعات الرهن العقاري الشهرية. 



    الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae)

    تشتري الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) القروض العقارية وتضمنها من مؤسسات الإقراض في محاولة لزيادة الإقراض ميسور التكلفة. الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) ليست وكالة فيدرالية. إنها مؤسسة ترعاها الحكومة تحت وصاية الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية.



    رسوم تمويل قروض إدارة الإسكان الفيدرالية (FHA) (FHA funding fee)

    تتطلب إدارة الإسكان الفيدرالية (FHA) رسوم تمويل قروض إدارة الإسكان الفدرالية وقسط تأمين شهري (MIP) لمعظم برامج الأسرة الواحدة. يُطلق على قسط تأمين الرهن العقاري مقدمًا أحيانًا اسم قسط تأمين الرهن العقاري مقدمًا (UFMIP).

    معرفة ما إذا كان الرهن العقاري لإدارة الإسكان الفيدرالية هو المناسب لك.



    قروض إدارة الإسكان الفيدرالية (FHA) (FHA loan)

    قروض إدارة الإسكان الفيدرالية(FHA) هي قروض من جهات إقراض خاصة تخضع للتنظيم والتأمين من قبل إدارة الإسكان الفيدرالية (FHA). تختلف قروض إدارة الإسكان الفدرالية عن القروض التقليدية لأنها تسمح بنقاط أهلية ائتمانية أقل ودفعات أولى منخفضة تصل إلى 3.5 في المائة من إجمالي مبلغ القرض. تختلف مبالغ القرض القصوى حسب المقاطعة.

    تعرف على هذا الخيار وغيره من خيارات قروض الرهن العقاري.



    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية (FHA) (FHA mortgage limits)

    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية هي حدود المبلغ بالدولار للرهون العقارية المؤهلة التي ستؤمنها قروض إدارة الإسكان الفيدرالية كجزء من برنامج الرهن العقاري للأسرة الواحدة. تستند هذه الحدود إلى الموقع ويمكن مراجعتها كل عام.

    استخدم أداة إدارة الإسكان الفيدرالية (FHA) للبحث عن حدود القرض على مستوى المقاطعة.



    رسوم التمويل (Finance charge)

    رسوم التمويل هي المبلغ الإجمالي للفائدة ورسوم القرض التي ستدفعها طوال مدة قرض الرهن العقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    برامج قروض مشتري المنازل لأول مرة (FTHB) (First-time home buyers (FTHB) loan programs)

    قد يستخدم مشترو المنازل لأول مرة (FTHB) عددًا من أنواع مختلفة من برامج القروض لشراء منزلهم الأول. تشمل قروض مشتري المنازل لأول مرة (FTHB) الشهيرة البرامج التي تقدمها إدارة الإسكان الفدرالية (FHA) و إدارة شؤون المحاربين القدامى (VA) وإدارة الزراعة الأمريكيةUSDA) ) والرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) بدفعات مقدمة منخفضة. تحدد بعض البرامج مشتري المنازل لأول مرة (FTHB) على أنه شخص لم يشتر منزلًا منذ ثلاث سنوات أو أكثر.

    فهم خيارات القرض الخاص بك.



    الرهن العقاري بسعر ثابت (Fixed-rate mortgage)

    الرهن العقاري بسعر ثابت هو نوع من أنواع القروض العقارية التي يتم تحديد معدل الفائدة عليها عند الحصول على القرض ولن يتغير خلال مدة القرض.

    تعرف على المزيد حول كيفية عمل الرهون العقارية ذات السعر الثابت وما يجب مراعاته. 



    الإمهال (Forbearance)

    الإمهال هو عندما يسمح لك مقدم الخدمة الخاص بك مؤقتًا بدفع الرهن العقاري الخاص بك بمعدل أقل أو التوقف مؤقتًا عن سداد الرهن العقاري الخاص بك. قد يمنحك مقدم الخدمة الإمهال، على سبيل المثال، إذا فقدت وظيفتك مؤخرًا، أو تعرضت لكارثة، أو من مرض أو إصابة أدت إلى زيادة تكاليف الرعاية الصحية الخاصة بك. الإمهال هو أحد أنواعتخفيف الخسارة.

    تعرف على المزيد حول الإمهال في الرهن العقاري

    اعتمادًا على نوع القرض الذي لديك، قد تكون هناك خيارات مختلفة عن الإمهال. يجب عليك الاتصال بخدمة القرض لطلب الإمهال. تذكر أنه سيتعين عليك تعويض هذه المدفوعات الفائتة أو المخفضة عندما تنتهي فترة الإمهال الخاصة بك.



    التأمين الجبري (Force-placed insurance)

    قد يطلب مقدم الخدمة تأمينًا إجباريًا عندما لا يكون لديك بوليصة تأمين خاصة بك أو إذا كانت وثيقتك الخاصة لا تفي بمتطلبات مقدم الخدمة الخاص بك. عادةً ما يحمي التأمين الجبري المُقرض فقط وليس أنت. سيحاسبك مقدم الخدمة على التأمين. عادةً ما يكون التأمين الجبري أكثر تكلفة من العثور على بوليصة تأمين بنفسك.



    الحجز على الرهن العقاري (Foreclosure)

    الحجز على الرهن العقاري هو عندما يستعيد المقرض أو مقدم الخدمة العقار بعد فشل صاحب المنزل في سداد مدفوعات الرهن العقاري. في بعض الولايات، يتعين على المُقرض أن يلجأ إلى المحكمة للحجز على الرهن العقاري على عقارك (الحجز على الرهن العقاري القضائي)، لكن الولايات الأخرى لا تتطلب إجراءات قضائية (الحجز على الرهن العقاري غير القضائي). بشكل عام، يجب إخطار المقترضين إذا بدأ المقرض أو مقدم الخدمة إجراءات الحجز على الرهن العقاري. قد تنطبق القواعد الفيدرالية عندما يبدأ الحجز على الرهن العقاري.

    إذا كنت قلقًا بشأن الحجز على الرهن العقاري،فتعرف على كيفية الحصول على المساعدة.


    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac)

    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) هي شركة خاصة أسسها الكونجرس. وتتمثل مهمتها في تعزيز الاستقرار والقدرة على تحمل التكاليف في سوق الإسكان من خلال شراء الرهون العقارية من البنوك وغيرها من صانعي القروض. تخضع الشركة حاليًا للوصاية، تحت إشراف الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية



    تقدير حسن النية (Good Faith Estimate)

    تقدير حسن النية (GFE) هو شكل يجب على المُقرض منحك إياه عند التقدم بطلب للحصول على رهن عقاري عكسي. يسرد تقدير حسن النية (GFE) المعلومات الأساسية حول شروط عرض قرض الرهن العقاري العكسي.

    اكتشف متى تتلقى تقدير حسن النية. 



    رسوم التسجيل الحكومية (Government recording charges)

    رسوم التسجيل الحكومية هي رسوم يتم تقييمها من قبل الوكالات الحكومية بالولاية والمحلية للتسجيل القانوني لسندك العقاري ورهنك العقاري والمستندات المتعلقة بقرض منزلك.

    اقرأ المزيد (باللغة الإنكليزية)

    قرض عقاري عالي السعر (Higher-priced mortgage loan)

    بشكل عام، يعتبر قرض الرهن العقاري عالي السعر قرضًا بمعدل نسبة مئوية سنوي، أو معدل الفائدة السنوية المئوية (APR)، أعلى من معدل معياري يسمى متوسط سعر العرض الرئيسي.

    اقرأ المزيد (باللغة الإنكليزية)

    مستحقات جمعية مالكي العقارات (HOA) (HOA dues)

    إذا كنت مهتمًا بشراء شقة أو مساكن تعاونية أو منزل في تقسيم فرعي مخطط له أو مجتمع منظم آخر مع خدمات مشتركة، فعادةً ما يتعين عليك دفع رسوم الشقة أو مستحقات جمعية مالكي العقارات (HOA). تختلف هذه الرسوم بشكل كبير. عادةً ما يتم دفع رسوم الشقة أو جمعية مالكي العقارات (HOA) بشكل منفصل عن مدفوعات الرهن العقاري الشهرية. إذا لم تدفع هذه الرسوم، فقد تواجه جهود تحصيل الديون من قبل جمعية مالكي العقارات وحتى الحجز على الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل.



    تقييم المنزل (Home appraisal)

    التقييم هو مستند مكتوب يظهر رأيًا في قيمة العقار. يمنحك التقييم معلومات مفيدة حول العقار. يصف ما يجعله ذا قيمة وقد يُظهر كيفية مقارنته بالعقارات الأخرى في الحي. التقييم هو تقدير مستقل لقيمة العقار.

    تعرف على المزيد حول سبب أهمية التقييمات. 



    خط ائتمان حقوق الملكية العقارية (HELOC) (Home equity line of credit - HELOC)

    خط ائتمان حقوق الملكية العقارية (HELOC) هو خط ائتمان يسمح لك بالاقتراض مقابل ملكية منزلك. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. على عكس قرض حصة الملكية، عادةً ما يكون لدى خط ائتمان حقوق الملكية العقارية معدلات فائدة قابلة للتعديل. بالنسبة لمعظم خطوط ائتمان حقوق الملكية العقارية، ستتلقى شيكات خاصة أو بطاقة ائتمان، ويمكنك اقتراض المال لفترة محددة من وقت فتح حسابك. تُعرف هذه الفترة الزمنية باسم "فترة السحب". خلال "فترة السحب"، يمكنك اقتراض الأموال، ويجب عليك سداد الحد الأدنى من المدفوعات. عندما تنتهي "فترة السحب"، لن تتمكن من اقتراض الأموال من حد الائتمان الخاص بك. بعد انتهاء "فترة السحب"، قد يُطلب منك سداد رصيدك دفعة واحدة أو قد يُسمح لك بالسداد خلال فترة زمنية معينة. إذا كنت لا تستطيع سداد خط ائتمان حقوق الملكية العقارية، يمكن للمقرض نزع ملكية منزلك.



    قرض ملكية المنزل (Home equity loan)

    يسمح لك قرض ملكية المنزل (يسمى أحيانًا HEL) باقتراض الأموال باستخدام حقوق الملكية في منزلك كضمان سداد. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. تتلقى المال من قرض شراء منزل كمبلغ مقطوع. عادة ما يكون لقرض الملكية العقارية معدل فائدة ثابت - وهو سعر لا يتغير. إذا لم تتمكن من تسديد قرض ملكية المنزل، يمكن للمقرض نزع ملكية منزلك.



    فحص المنزل (Home inspection)

    غالبًا ما يكون فحص المنزل جزءًا من عملية شراء المنزل. عادةً ما يكون لديك الحق في تعيين مفتش منزل لفحص العقار والإشارة إلى نقاط القوة والضعف فيه. غالبًا ما يكون هذا مفيدًا بشكل خاص لاختبار الأنظمة الهيكلية والميكانيكية للمنزل بما في ذلك التدفئة والتهوية وتكييف الهواء والكهرباء.

    تعرف على كيفية تحديد موعد الفحص



    جمعية مالكي العقارات (HOA) (Homeowners’ Association - HOA)

    عادة ما يتم تشكيل جمعية مالكي العقارات (HOA) لإدارة النفقات المشتركة مثل تنسيق الحدائق وتكاليف الصيانة الأخرى للتقسيم الفرعي المخطط له أو مجتمع منظم آخر. تأخذ جمعيات مالكي وحدات المنازل السكنية المزيد من المسؤوليات بما في ذلك، على سبيل المثال، صيانة الممرات والمبان المشتركة والأسقف.

    احصل على مزيد من المعلومات حول كيفية ظهور جمعيات مالكي العقارات في بيان الرهن العقاري الخاص بك. 



    تأمين أصحاب المنازل (Homeowner's insurance)

    يدفع تأمين أصحاب المنزل الخسائر والأضرار التي تلحق بممتلكاتك في حالة حدوث شيء غير متوقع، مثل الحريق أو السطو. عندما يكون لديك رهن عقاري، يريد المُقرض الخاص بك التأكد من حماية عقارك عن طريق التأمين. لهذا السبب يطلب المقرضون عمومًا دليلًا على أن لديك تأمين أصحاب المنازل. يختلف تأمين مالك المنزل عن تأمين الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل. 



    سعر شراء المنزل (Home purchase price)

    سعر شراء المنزل هو المبلغ المتفق عليه من قبل المشتري والبائع لدفعه للبائع لشراء المنزل.

    تعرف على المزيد حول العثور على المنزل المناسب.



    إدارة الإسكان والتنمية الحضرية (HUD)

    إدارة الإسكان والتنمية الحضرية (HUD) هي وكالة حكومية تساعد الناس في الحصول على مساكن جيدة وبأسعار معقولة والحفاظ عليها. يقومون بتدريب ورعاية مستشاري الإسكان في جميع أنحاء البلاد. يمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية أن تقدم لك مشورة مشتري المنازل لمساعدتك على فهم خياراتك وتقييمها.

    ابحث عن وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية.



    بيان تسوية HUD-1 (HUD-1 settlement statement)

    يسرد بيان تسوية HUD-1 جميع الرسوم والائتمانات للمشتري والبائع في تسوية عقارية، أو جميع الرسوم في إعادة تمويل الرهن العقاري. تتلقى HUD-1 إذا تقدمت بطلب للحصول على رهن عقاري عكسي أو إذا تقدمت بطلب للحصول على رهن عقاري في 3 أكتوبر/تشرين الأول 2015 أو قبله.

    تعرف على موعد تلقي HUD-1. 



    المؤشر (Index)

    المؤشر هو سعر فائدة معياري يعكس ظروف السوق العامة. يتغير المؤشر بناءً على السوق. تحدد التغييرات في المؤشر، بجانب هامش القرض، التغييرات في معدل الفائدة لقرض رهن عقاري قابل للتعديل.

    فهم كيف يؤثر المؤشر في سعر الفائدة لقرض رهن عقاري قابل للتعديل. 



    الحد الأقصى للتعديل الأولي (Initial adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل الأولي بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد هذا الحد الأقصى مقدار زيادة معدل الفائدة في المرة الأولى التي يتم تعديلها بعد انتهاء فترة السعر الثابت. من الشائع أن يكون هذا الحد الأقصى إما اثنين أو خمسة بالمائة - مما يعني أنه عند تغيير السعر الأول، لا يمكن أن يكون المعدل الجديد أعلى من نقطتين (أو خمس) نقاط مئوية عن المعدل الأولي خلال فترة السعر الثابت.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل. 



    إيداع الضمان الأولي (Initial escrow deposit)

    إيداع الضمان الأولي هو المبلغ الذي ستدفعه عند الإغلاق لبدء حساب الضمان الخاص بك، إذا طلب المقرض الخاص بك.
    اقرأ المزيد (باللغة الإنكليزية)


    قرض بفائدة فقط (Interest-only loan)

    الرهن العقاري بفائدة فقط هو قرض بدفعات مجدولة تتطلب منك دفع الفائدة فقط لفترة زمنية محددة.

    اقرأ المزيد (باللغة الإنكليزية)


    معدل الفائدة (Interest rate)

    معدل الفائدة على قرض الرهن العقاري هو التكلفة التي ستدفعها كل عام لاقتراض المال، معبرًا عنها بنسبة مئوية. لا يعكس الرسوم أو أي رسوم أخرى قد تضطر إلى دفعها مقابل القرض. على سبيل المثال، إذا كان قرض الرهن العقاري يبلغ 100,000 دولار بمعدل فائدة 4 في المائة، فقد وافق هذا المستهلك على دفع 4,000 دولار كل عام يقترض أو يدين بهذا المبلغ بالكامل.

    اكتشف أسعار الفائدة في منطقتك 



    الحد الأقصى لسعر الفائدة (Interest rate cap)

    الحد الأقصى لسعر الفائدة، الذي يشار إليه أحيانًا بالحد الأقصى السنوي، هو الحد الأقصى للزيادة في معدل الفائدة التي يمكن أن تحدث سنويًا لسعر الرهن العقاري القابل للتعديل (ARM) حتى لو كان السعر قد ارتفع أكثر في ظل أسعار الفائدة في السوق. على سبيل المثال، إذا كان هذا الحد الأقصى بنسبة اثنين في المائة، فلا يمكن أن يكون المعدل الجديد أعلى من المعدل السابق بأكثر من نقطتين مئويتين.

    فهم كيف يستخدم المقرضون المؤشر والهامش لتعديل سعر الفائدة الخاص بك



    القرض الجامبو (Jumbo loan)

    في كل عام، تحدد الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) و والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) والجهة المنظمة لها، وكالة تمويل الإسكان الفيدرالية ((FHFA، الحد الأقصى لمبلغ القروض التي سيشترونها من المقرضين.
    اقرأ المزيد (باللغة الإنكليزية)


    تأمين ملكية المقرضين (Lenders title insurance)

    يحمي تأمين ملكية المقرضين المُقرض من المشاكل المتعلقة بملكية عقارك - مثل شخص لديه دعوى قانونية ضد المنزل. يحمي تأمين ملكية المقرضين المُقرض فقط من مشاكل متعلقة بسند الملكية. لحماية نفسك، قد ترغب في شراء تأمين ملكية المالك.
    اقرأ المزيد (باللغة الإنكليزية)


    الحد الأقصى للتعديل مدى الحياة (Lifetime adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل مدى الحياة بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد الحد الأقصى إلى أي مدى يمكن أن يزيد معدل الفائدة بشكل إجمالي على مدى فترة القرض. على سبيل المثال، إذا كان هذا الحد الأقصى هو خمسة بالمائة، فهذا يعني أن المعدل لا يمكن أبدًا أن يكون أعلى بخمس نقاط مئوية من المعدل الأولي. قد يكون لبعض المقرضين حد أقصى مختلف أو أعلى.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    تحمل مسؤولية القرض (Loan assumption)

    يحدث تحمل مسؤولية القرض عندما يتسلم المشتري الرهن العقاري من البائع عند شراء منزل البائع. ويتولى المشتري مسؤولية الرصيد المتبقي المستحق على الرهن العقاري الخاص بالبائع، وفقًا لشروط القرض الأصلية - على سبيل المثال، سعر الفائدة والمدة المتبقية للرهن العقاري. وقد يكون تحمل مسؤولية القرض منطقيًا من الناحية المالية عندما تُعرض رهون عقارية جديدة بأسعار فائدة أعلى مما كانت عليه عندما حصل البائع على رهنه العقاري في الأصل.

    الفرق بين سعر بيع المنزل والرصيد المتبقي على القرض المتحمّل يساوي المبلغ الذي يتعين على المشتري دفعه، إما من جيبه أو عن طريق الحصول على قرض رهن عقاري خاص به.

    لكي يتولى مشتري المنزل الرهن العقاري سيحتاج إلى التأهل لتحمل مسؤولية القرض. عادةً ما يعتمد التأهل على مراجعة ائتمان المشتري ودخله، على غرار التأهل للحصول على رهن عقاري جديد

    يمكن أن يسري تحمل مسؤولية القرض أيضًا عندما تحصل على سند ملكية لعقار مرهون - على سبيل المثال، بعد الوفاة أو الطلاق.



    تأجيل القرض (Loan deferment)

    يحق للمقترضين الذين يكافحون من أجل سداد مدفوعات الرهن العقاري عمومًا أن يطلبوا المساعدة من محصّل أقساط الرهن العقاري. يمكن لمحصّل الأقساط الموافقة على تأجيل القرض، مما يسمح للمقترض بتجنب الحجز على الرهن العقاري عن طريق تأجيل مدفوعات الرهن العقاري المتأخرة. ويصبح المبلغ المؤجل مستحق الدفع عندما يقوم المقترض بإعادة تمويل القرض أو بيع المنزل، أو ينتهي الرهن العقاري بطريقة أخرى


    تقدير القرض (Loan estimate)

    تقدير القرض هو نموذج من ثلاث صفحات تحصل عليه بعد التقدم بطلب للحصول على قرض عقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    تعديل القرض (Loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو نوع منتخفيف الخسارة.يمكن أن يقلل التعديل من دفعتك الشهرية إلى مبلغ يمكنك تحمله. قد تتضمن التعديلات تمديد عدد السنوات التي يتعين عليك سداد القرض فيها، و / أو خفض معدل الفائدة ، و / أو تحمل أو خفض رصيدك الأساسي. إذا عُرض عليك تعديل قرض، فتأكد من معرفة كيف سيغير ذلك مدفوعاتك الشهرية والمبلغ الإجمالي الذي ستدين به على المدى القصير والطويل.

    تعرف على المزيد حول تعديل قرض الرهن العقاري



    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي مقياس لمقارنة مبلغ الرهن العقاري الخاص بك مع القيمة المقدرة للعقار. كلما زادت الدفعة الأولى، انخفضت نسبة القرض إلى القيمة (LTV). يجوز لمقرضي الرهن العقاري استخدام نسبة القرض إلى القيمة (LTV) في تقرير ما إذا كانوا سيقرضونك وتحديد ما إذا كانوا سيطلبون تأمينًا خاصًا على الرهن العقاري.

    تعرف على كيفية ارتباط نسبة القرض إلى القيمة بتكاليفك. 


    يشير تخفيف الخسارة إلى الخطوات التي يتخذها مقدمو خدمات الرهن العقاري للعمل مع مقترض الرهن العقاري لتجنب الحجز على الرهن العقاري. يشير تخفيف الخسارة إلى مسؤولية مقدم الخدمة لتقليل أو "تخفيف" الخسارة التي يتحملها المستثمر والتي يمكن أن تأتي من الحجز على الرهن العقاري. قد تساعدك خيارات معينة لتخفيف الخسارة على البقاء في منزلك. قد تساعدك الخيارات الأخرى على مغادرة منزلك دون المرور بالحجز على الرهن العقاري. قد تشمل خيارات تخفيف الخسارة سند الملكية بدل الحجز على الرهن العقاري, أو الإمھال, أو خطة السداد, أو البيع على المكشوف, أوتعديل القرض. 

    إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري الخاصة بك، أو إذا تم عرض عليك وتفكر في العديد من خيارات التخفيف من الخسائر، فتواصل مع وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية (HUD).

    يمكنك استخدام أداة "Find a counselor" (ابحث عن مستشار) مكتب الحماية المالية للمستهلكين (CFPB) للحصول على قائمة وكالات الاستشارة الإسكانية في منطقتك والتي تمت الموافقة عليها من قبل HUD. يمكنك أيضًا الاتصال بالخط الساخن HOPE™، وهو مفتوح 24 ساعة في اليوم، سبعة أيام في الأسبوع، على الرقم888) 995-HOPE (4673) ).


    الهامش (Margin)

    الهامش هو عدد النقاط المئوية المضافة إلى المؤشر بواسطة مُقرض الرهن العقاري لتعيين سعر الفائدة الخاص بك على الرهن العقاري ذي المعدل القابل للتعديل (ARM) بعد انتهاء فترة السعر الأولي. تم تحديد الهامش في اتفاقية القرض الخاص بك ولن يتغير بعد الإغلاق. يعتمد مبلغ الهامش على المقرض والقرض المعينين.

    فهم كيفية تأثير الهامش في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    المصاريف الشهرية (Monthly expenses)

    هذا هو مقدار ما تنفقه كل شهر. يمكن أن تشمل، على سبيل المثال لا الحصر، الالتزامات المتكررة مثل دفع الإيجار أو الرهن العقاري، والمرافق، ومدفوعات السيارات، ومدفوعات إعالة الأطفال، ومدفوعات التأمين، بالإضافة إلى الضروريات مثل الطعام. سيكون لمعظم هذه الالتزامات تاريخ استحقاق ثابت.

    قم بتقييم إنفاقك الشهري باستخدام متتبع الإنفاق هذا. 



    الرهن العقاري (Mortgage)

    الرهن العقاري هو اتفاق بينك وبين المقرض الذي يسمح لك باقتراض المال لشراء أو إعادة تمويل منزل ويمنح المقرض الحق في أخذ عقارك إذا فشلت في سداد الأموال التي اقترضتها.

    إذا كنت مستعدًا للحصول على قرض عقاري, فتعرف على المزيد حول شراء منزل. 



    قائمة مراجعة إغلاق الرهن العقاري (Mortgage closing checklist)

    قائمة التحقق من إغلاق الرهن العقاري هي قائمة بالخطوات التي يمكنك استخدامها للتحضير ومعرفة ما يمكن توقعه. يمكن أن يساعدك في تحديد الأسئلة الرئيسية التي يجب طرحها مسبقًا حتى تتمكن من إغلاقها بثقة.

    استخدم ورقة العمل هذه للتحضير للإغلاق.



    تكاليف إغلاق الرهن العقاري (Mortgage closing costs)

    تكاليف إغلاق الرهن العقاري هي جميع التكاليف التي ستدفعها عند الإغلاق. يتضمن ذلك رسوم الإنشاء ورسوم التقييم وتكاليف تقرير الائتمان ورسوم التأمين على الملكية وأي رسوم أخرى يطلبها المُقرض أو تدفع كجزء من معاملة الرهن العقاري. يُطلب من المقرضين تقديم ملخص لهذه التكاليف إليك في تقدير القرض.

    تعرف على المزيد حول ما يحدث في الإغلاق.


    يحمي تأمين الرهن العقاري المُقرض إذا تخلفت عن سداد مدفوعاتك. عادةً ما يكون التأمين على الرهن العقاري مطلوبًا إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار. عادة ما يكون التأمين على الرهن العقاري مطلوبًا على قروض إدارة الإسكان الفيدرالية وإدارة الزراعة الأمريكية. ومع ذلك، إذا كان لديك قرض تقليدي وكانت الدفعة الأولى أقل من 20 في المائة، فمن المرجح أن يكون لديك تأمين خاص على الرهن العقاري (PMI).

    فهم كيف يعمل تأمين الرهن العقاري



    تعديل قرض الرهن العقاري (Mortgage loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو أحد أنواع تخفيف الخسارة.  
    اقرأ المزيد (باللغة الإنكليزية)


    إعادة تمويل الرهن العقاري (Mortgage refinance)

    يتم إعادة تمويل الرهن العقاري عندما تحصل على قرض جديد لسداد القرض القديم واستبداله. الأسباب الشائعة لإعادة التمويل هي خفض معدل الفائدة الشهري، أو خفض مدفوعات الرهن العقاري، أو اقتراض أموال إضافية. عند إعادة التمويل، يتعين عليك عادةً دفع تكاليف ورسوم الإغلاق. إذا قمت بإعادة التمويل وحصلت على دفعة شهرية أقل، فتأكد من فهم مقدار التخفيض الناتج عن معدل فائدة منخفض ومقدار ذلك لأن مدة القرض أطول.

    هل يجب عليّ إعادة التمويل؟

    دليل المستهلك لإعادة تمويل الرهن العقاري

    مجموعة أدوات قرض المنزل الخاص بك

    كتيب المستهلك عن الرهون العقارية القابلة للتعديل



    مدة الرهن العقاري (Mortgage term)

    مدة قرض الرهن العقاري هي المدة التي يتعين عليك سداد القرض خلالها. بالنسبة لمعظم أنواع المنازل، تكون شروط الرهن العقاري عادةً 15 أو 20 أو 30 عامًا.

    اكتشف خيارات مدة القرض.



    رسوم الإنشاء (Origination Fee)

    رسوم الإنشاء هي ما يفرضه المُقرض على المقترض مقابل تقديم قرض الرهن العقاري. قد تشمل رسوم الإنشاء معالجة الطلب والاكتتاب وتمويل القرض والخدمات الإدارية الأخرى. لا يمكن زيادة رسوم الإنشاء بشكل عام إلا في ظل ظروف معينة.

    تعرف على المزيد حول تكاليف إنشاء الرهن العقاري. 



    تأمين ملكية المالك (Owner's title insurance)

    يوفر تأمين ملكية المالك الحماية لصاحب المنزل إذا قام شخص ما برفع دعوى وقال إن لديه مطالبة ضد المنزل من قبل أن يشتريه صاحب المنزل.
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    تمويل الطاقة النظيفة المقدرة على العقارات (PACE) (Pace financing)

    يوفر تمويل الطاقة النظيفة المقدرة على العقارات (PACE) طريقة لتمويل تحسينات المنازل ذات الكفاءة في استخدام الطاقة.
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    المطالبة الجزئية (Partial claim)

    المطالبة الجزئية هي طريقة لاستخدام تأمين الرهن العقاري لمساعدة صاحب المنزل المتعثر على تجنب الحجز على الرهن العقاري. يقوم صاحب الرهن العقاري بتقديم مطالبة ضد تأمين الرهن العقاري بمبلغ أي مدفوعات رهن عقاري لم يتم تسديدها، ويضع المؤمِّن الأموال جانبًا في حساب منفصل. بعد ذلك، عندما يقوم المقترض بإعادة تمويل الرهن العقاري، أو بيع المنزل، أو إنهاء الرهن بطريقة أخرى، يتم دفع مبلغ المطالبة الجزئية لمحصّل أقساط الرهن العقاري. في بعض الأحيان، لا يغطي مبلغ المطالبة الجزئية المبلغ الكامل للمدفوعات الفائتة، وفي تلك الحالات يجب على المقترض دفع الفرق.


    مبلغ التسديد (Payoff amount)

    مبلغ التسديد الخاص بك هو المبلغ الذي سيتعين عليك دفعه بالفعل للوفاء بشروط قرض الرهن العقاري الخاص بك وسداد ديونك بالكامل. مبلغ التسديد الخاص بك يختلف عن رصيدك الحالي. قد لا يعكس رصيدك الحالي المبلغ الذي يتعين عليك دفعه بالفعل للوفاء الكامل بالقرض. يتضمن مبلغ التسديد أيضًا دفع أي فائدة تدين بها حتى اليوم الذي تنوي فيه سداد قرضك. قد يشمل مبلغ التسديد أيضًا رسومًا أخرى تكبدتها ولم تدفعها بعد.



    أوامر تغيير دائم للمركز (PCS) (PCS orders)

    يجوز إعطاء أعضاء الخدمة الفعلية أوامر تغيير دائم للمركز (PCS). أوامر تغيير دائم للمركز (PCS) هي نقل رسمي لعضو الخدمة (وأي عائلة تعيش معهم) إلى موقع عمل مختلف. إذا كان العضو يمتلك منزلاً، فقد يختار بيعه. إذا كان عضو الخدمة مدينًا بالمنزل أكثر مما يستحق المنزل، فقد يواجهون مشكلة في بيع منزلهم. يقدم بعض مقدمي الخدمة برامج للسماح لأعضاء الخدمة ببيع منازلهم وعدم الاضطرار إلى سداد باقي رصيد القرض. تفضل بزيارة أعضاء مقدمي الخدمة لمزيد من المعلومات. 



    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين (PITI)

    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين ، والمعروفة باسم PITI، هي العناصر الأساسية الأربعة لسداد الرهن العقاري الشهري.  
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    تأمين الرهن العقاري الخاص (PMI)

    تأمين الرهن العقاري الخاص (PMI) هو نوع من تأمين الرهن العقاري يعود بالفائدة على المُقرض الخاص بك. قد يُطلب منك الدفع مقابل تأمين الرهن العقاري الخاص (PMI) إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار وكان لديك قرض تقليدي. قد تتمكن من إلغاء تأمين الرهن العقاري الخاص (PMI) بمجرد تراكم مبلغ معين من حصة الملكية في منزلك.

    فهم المزيد عندما يكون تأمين الرهن العقاري الخاص (PMI) مطلوبًا



    رسوم الفائدة المدفوعة مقدمًا (Prepaid interest charges)

    رسوم الفائدة المدفوعة مقدمًا هي الرسوم المستحقة عند الإغلاق لأي فائدة يومية مستحقة على قرضك بين تاريخ إغلاق قرض الرهن العقاري الخاص بك والفترة التي يغطيها أول دفعة شهرية للرهن العقاري.
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    غرامة الدفع المسبق (Prepayment penalty)

    غرامة الدفع المسبق هي رسوم يفرضها بعض المقرضين إذا سددت كل رهنك العقاري مبكرًا أو جزء منه. إذا كان لديك غرامة الدفع المسبق، كنت قد وافقت على هذا عندما أغلقت في منزلك. ليس كل الرهون العقارية لها غرامة الدفع المسبق.



    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو مبلغ قرض الرهن العقاري الذي يتعين عليك سداده. تتضمن دفعتك الشهرية جزءًا من هذا المبلغ الأساسي. عندما يتم السداد على المبلغ الأساسي، يكون المقترض مدينًا أقل، وسيدفع فائدة أقل بناءً على حجم القرض الأقل.

    فهم الفرق بين سعر الفائدة والمبلغ الأساسي.



    الضرائب العقارية (Property taxes)

    الضرائب العقارية هي ضرائب تفرضها السلطات القضائية المحلية، عادةً على مستوى المقاطعة، بناءً على قيمة العقارات الخاضعة للضريبة. في كثير من الأحيان، يتم تحصيل ضرائب العقارات ضمن مدفوعات الرهن العقاري الشهرية لمالك المنزل، ثم يتم دفعها إلى الولاية القضائية ذات الصلة مرة واحدة أو أكثر كل عام. هذا يسمى حساب الضمان. إذا لم يكن للقرض حساب ضمان، فسيقوم صاحب المنزل بدفع ضرائب العقار مباشرة.

    تعرف على المزيد حول عملية شراء المنزل.


    الرهن العقاري المؤهل (Qualified mortgage)

    الرهن العقاري المؤهل هو فئة من القروض التي لها ميزات معينة وأكثر استقرارًا تساعد في زيادة احتمالية قدرتك على تحمل القرض. اقرأ المزيد (باللغة الإنكليزية).



    طلب كتابي مؤهل ((QWR) Qualified Written Request)

    الطلب الكتابي المؤهل، أو QWR، هو مراسلات مكتوبة يمكن أن ترسلها أنت أو أي شخص يتصرف نيابة عنك إلى مقدم خدمات الرهن العقاري الخاص بك. بدلاً من الطلب الكتابي المؤهل، يمكنك أيضًا إرسال إشعار خطأ أو طلب معلومات إلى مقدم الخدمة.
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    خطة السداد (Repayment plan)

    خطة السداد هي طريقة منظمة لتعويض مدفوعات قروض الرهن العقاري الفائتة خلال فترة زمنية معينة. هذا نوع من أنواع تخفيف الخسارة. إذا كنت تواجه مشكلة في سداد أقساط الرهن العقاري، فقد يسمح لك المُقرض أو مقدم الخدمة بالدخول في خطة السداد. قبل الدخول في خطة السداد، تأكد من فهمك لمتطلبات الخطة وما إذا كنت ستتمكن من سداد المدفوعات الجديدة.



    الرهن العقاري العكسي (Reverse mortgage)

    يسمح الرهن العقاري العكسي لأصحاب المنازل الذين يبلغون من العمر 62 عامًا أو أكثر بالاقتراض مقابل ملكية منازلهم. يطلق عليه الرهن العقاري "العكسي" لأنه بدلاً من سداد المدفوعات للمقرض، فإنك تتلقى أموالاً من المُقرض. تزيد الأموال التي تتلقاها والفائدة المفروضة على القرض من رصيد القرض الخاص بك كل شهر. تسمى معظم الرهون العقارية العكسية اليوم HECMs، وهي اختصار لرهن تحويل ملكية المنازل.

    تعرف على ما يجب عليك مراعاته قبل التقدم بطلب للحصول على قرض عقاري عكسي.



    حق الفسخ (Right of rescission)

    يشير حق الفسخ إلى حق المستهلك في إلغاء أنواع معينة من القروض. إذا كنت تشتري منزلًا برهن عقاري، فلا يحق لك إلغاء القرض بمجرد توقيع مستندات الإغلاق. ومع ذلك، إذا كنت تقوم بإعادة تمويل رهن عقاري، فلديك حتى منتصف ليل يوم العمل الثالث بعد الصفقة لفسخ (إلغاء) عقد الرهن العقاري. لا تبدأ الساعة المكونة من ثلاثة أيام حتى توقع عقد الائتمان (يُطلق عليه عادةً السند الإذني)، وتتلقى نموذج إفصاح عن الحقيقة في الإقراض وتتلقى نسختين من إشعار يشرح حقك في الفسخ.



    الرهن العقاري الثاني (Second mortgage)

    الرهن العقاري الثاني أو الرهن الأصغر هو قرض تحصل عليه باستخدام منزلك كضمان بينما لا يزال لديك قرض آخر مضمون بمنزلك.

    تعلم المزيد عن الرهون العقارية الثانية.



    فائدة الضمان (Security interest)

    فائدة الضمان هي ما يسمح للمقرض بحجز الرهن إذا لم تسدد الأموال التي اقترضتها.
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    تمويل البائع (Seller financing)

    تمويل البائع هو قرض يقدمه لك بائع منزلك.
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    مقدم الخدمة (Servicer)

    مقدم خدمة الرهن العقاري الخاص بك هي الشركة التي ترسل لك كشوفات الرهن العقاري الخاصة بك. يتولى مقدم الخدمة أيضًا المهام اليومية لإدارة قرضك.

    يقوم مسؤول مقدم خدمة القرض الخاص بك بمعالجة مدفوعات القرض الخاصة بك، والاستجابة لاستفسارات المقترض، وتتبع المبلغ الأصلي والفائدة المدفوعة، وإدارة حساب الضمان الخاص بك (إذا كان لديك حساب). يجوز لصاحب القرض الشروع في الحجز على الرهن العقاري في ظل ظروف معينة. قد يكون مقدم الخدمة نفس الشركة التي منحتك القرض في الأصل وقد لا تكون كذلك.



    الرهن العقاري المشترك (Shared appreciation mortgage)

    بموجب الرهن العقاري المشترك، فإنك توافق على منح المقرض الخاص بك حصة من أي زيادة في قيمة منزلك.
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    البيع على المكشوف (Short sale)

    البيع على المكشوف هو بيع منزلك بأقل مما تدين به على رهنك العقاري. البيع على المكشوف هو بديل للحجز على الرهن العقاري، ولكن لأنه بيع، سيتعين عليك مغادرة منزلك. إذا وافق المقرض أو مقدم الخدمة الخاص بك على البيع على المكشوف، فقد تتمكن من بيع منزلك لسداد الرهن العقاري الخاص بك، حتى إذا كان سعر البيع أو العائدات أقل من الرصيد المتبقي على الرهن العقاري الخاص بك. البيع على المكشوف هو أحد أنواع تخفيف الخسارة. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك.



    قرض عقاري عالي المخاطر (Subprime mortgage)

    عندما يستخدم المقرضون المصطلح، فإنهم يقصدون عمومًا برنامج قروض للمقترضين غير المؤهلين للحصول على قرض رئيسي، غالبًا بمعدل فائدة أعلى.

    تعرف على المزيد حول عملية شراء المنزل.



    المسح (Survey)

    المسح هو رسم لعقارك يوضح موقع الأرض والمنزل وأي بنايات أخرى، بالإضافة إلى أي تحسينات على العقار.
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    رسوم خدمة الملكية (Title service fees)

    رسوم خدمة الملكية هي جزء من تكاليف الإغلاق التي تدفعها عند الحصول على قرض عقاري. عندما تشتري منزلًا، تتلقى مستندًا غالبًا ما يسمى صك، والذي يُظهر أن البائع قد نقل ملكيته القانونية أو "سند ملكية" المنزل إليك. رسوم خدمة الملكية هي التكاليف المرتبطة بإصدار بوليصة تأمين ملكية للمقرض.
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    إجمالي نسبة الفائدة ((TIP) Total interest percentage)

    إجمالي نسبة الفائدة (TIP) عبارة عن بيان يخبرك بمقدار الفائدة التي ستدفعها طوال مدة قرض الرهن العقاري الخاص بك.
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    مجموع المدفوعات (Total of payments)

    يخبرك هذا الرقم بالمبلغ الإجمالي للمال الذي ستدفعه على مدار فترة الرهن العقاري.
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    TRID

    TRID "" هو اختصار يستخدمه بعض الأشخاص للإشارة إلى قاعدة الإفصاح المتكامل لـ .TILA RESPA
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    قرض إدارة الزراعة الأمريكية (USDA) (USDA Loan)

    تقدم خدمة الإسكان الريفي، وهي جزء من إدارة الزراعة الأمريكية (USDA) برامج الرهن العقاري بدون دفعة أولى وأسعار فائدة مواتية بشكل عام لمشتري المنازل في المناطق الريفية الذين يستوفون متطلبات الأهلية للدخل في إدارة الزراعة الأمريكية.

    تعرف على هذا الخيار وغيره من برامج القروض الخاصة.



    قرض إدارة شؤون المحاربين القدامى (VA) (VA loan)

    قرض إدارة شؤون المحاربين القدامى (VA)  هو برنامج قرض تقدمه إدارة شؤون المحاربين القدامى (VA) لمساعدة العسكريين، والمحاربين القدامى، والأزواج الباقين على قيد الحياة المؤهلين على شراء المنازل. لا تقدم إدارة شؤون المحاربين القدامى القروض ولكنها تحدد القواعد لمَن يحق لهم التأهل وشروط الرهن العقاري. يضمن قرض إدارة شؤون المحاربين القدامى (VA)  جزءًا من القرض لتقليل مخاطر الخسارة للمقرض. القروض متاحة بشكل عام للإقامة الأولية فقط.

    إذا كنت من المحاربين القدامى، فاكتشف ما إذا كان قرض إدارة شؤون المحاربين القدامى (VA) مناسبًا لك.

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    التسوّق من أجل البحث عن رهن عقاري

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    التسوّق من أجل البحث عن رهن عقاري يستهلك وقتا وطاقة، ولكنه يمكن أن يوفر لك آلاف الدولارات. فاجعل من أهدافك المقارنة ما بين لا يقل عن ثلاثة عروض للرهون العقارية المقدمة من مقرضين مختلفين.

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    في هذه الصفحة:

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    احصل على الموافقة المبدئية من ثلاثة مقرضين على الأقل

    الإنترنت والصحف هي مكان جيد لبدء البحث عن مقرضي الرهون العقارية. اتصل بالبنوك والاتحادات الائتمانية والمنظمات التي قد تكون متخصصة في وضعك - مثل مشتريي المنازل لأول مرة أو قدامى المحاربين أو موظفي الخدمة العامة أو غيرهم.

    اطلب من ثلاثة مقرضين مختلفين على الأقل إعطاءك الموافقة المسبقة. فهذا يعني أن المقرض ينظر إلى وضعك المالي، بما في ذلك تقرير الائتمان الخاص بك، ويقدر المبلغ الذي يمكنك اقتراضه وما سعر الفائدة الذي ستدفعه على الأرجح. تسمح لك الموافقة المسبقة بتجربة كل مُقرض لمعرفة نوع القروض والأسعار التي يقدمها. عندما تحصل على جميع الموافقات المسبقة الثلاث خلال فترة زمنية قصيرة، ينبغي ألا يكون هناك تأثير كبير على درجة التصنيف الائتماني الخاصة بك.

    سوف تعود إلى هؤلاء المقرضين عندما تكون اتخذت بعض القرارات، واطلب منهم عروض لقروض.

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    التسوّق من أجل إيجاد القروض المناسبة من حيث المدة وهياكل أسعار الفائدة والبرامج

    مدة القرض: الأطول أم الأقصر

    بصفة عامة يكون القرض الأطول أجلا أكثر تكلفة على مدى عمر القرض، ولكن أقساطك الشهرية عادة ما تكون أقل. قد يكون بإمكانك التفاوض مع المقرض الذي تتعامل معه على قرض بمدة مختلفة، مثل 20 سنة أو 7 سنوات أو حتى أطول من 30 سنة.

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    معظم مشتريي البيوت يختارون قروضا تسدد على 30 سنة لأن الأقساط يمكن أن تكون منخفضة.

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    الأقساط عادة ما تكون أكبر من أقساط القروض المسددة على 30 سنة، ولكن القرض يتم تسديده بالكامل بعد 15 سنة وإجمالي تكلفة القرض يمكن أن تكون أقل.

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    هيكل سعر الفائدة على القرض: سعر ثابت أم سعر متغير

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    القروض الأكثر انتشارا هي القروض ذات سعر الفائدة الثابت. فقد يكون المبلغ الأولي الذي تدفعه في القروض ذات سعر القائدة المتغير أقل ولكن إذا ارتفعت أسعار الفائدة فأنت قد تواجه زيادة كبيرة في الأقساط الشهرية التي تدفعها.

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    سيظل كلا سعر الفائدة والقسط الشهري ثابتين على مدى عمر القرض.

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    في العادة يظل سعر الفائدة ثابتا للسنوات القليلة الأولى من عمر القرض، وبمجرد أن تنتهي فترة السعر الثابت يتغير السعر على فترات منتظمة بناء على "مؤشر" ، وهذا المؤشر هو قياس لأسعار الفائدة بشكل عام ويعكس التوجهات في الاقتصاد ككل. وهذا يعني أن القسط الذي تدفعه يمكن أن يزيد أو ينخفض. وتدخل تفاصيل ذلك في تثمين القرض الذي تتلقاه من المقرض.

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    برنامج القروض: التقليدي أو قروض الإدارة الفيدرالية للإسكان (FHA) أو قروض إدارة المحاربين القدماء (VA)أو برنامج خاص

    توجد برامج كثيرة للإقراض وبعضها مصممة بحيث تساعد على إتاحة الرهون العقارية للناس الذين لديهم ظروف معينة أو يكونون ضمن مجموعات معينة.

    هل ستدفع عربونا قدره 5٪ أو أكثر؟

    اسأل عن القروض المؤهلة لدعم مؤسسة فاني ماي (Fannie Mae) أو فريدي ماك (Freddie Mac) التي كثيرا ما تسمى بالقرض "التقليدي" .

    هل ستدفع عربونا صغيرا فحسب؟

    اسأل عن القروض المؤمـّنة من قبل الإدارة الاتحادية للإسكان (FHA).

    هل أنت فرد من أفراد القوات المسلحة أو من المحاربين القدامى؟

    اسأل عن القروض المضمونة من قبل وزارة شؤون المحاربين القدامى (VA).

    هل ستشتري بيتا في منطقة ريفية؟

    اسأل عن القروض المدعومة من قبل وزارة الزراعة الأمريكية (USDA).

    هل أنت تشتري بيتا لأول مرة ودخلك منخفض أو معتدل؟

    اسأل عن القروض المتوفرة عن طريق وكالة تمويل الإسكان التابعة للولاية التي تسكن فيها.

    والآن وقد حان الوقت لبدء عملية تقديم الطلب الرسمية. فاطلب من المقرضين الذين تتعامل معهم أن يقدموا لك عروضهم للقروض التي تعكس اختياراتك لنوع القرض وبرنامجه ومدته. ثم سيكون باستطاعتك إجراء المقارنات السليمة بين أشياء مماثلة لبعضها البعض.


    أولا قارن بين الأجزاء الأساسية للقرض:

    • ما مدة القرض؟
    • ما سعر الفائدة؟
    • ما مبلغ العربون الذي يـُعرض على أساسه القرض؟
    • ما مبلغ القسط الشهري؟
    • بالنسبة للرهون العقارية ذات أسعار الفائدة الثابتة هل هناك حد أعلى للتغيرات في مبلغ الأقساط وسعر الفائدة؟ وهل ينخفض سعر الفائدة إذا هبطت أسعار الفائدة في الأسواق؟

    بعد ذلك قارن ما بين باقي التفاصيل التي يمكن أن تؤثر على تكلفتك:

    • متى ستنتهي أقساطي من تسديد المبلغ الأساسي للقرض؟
    • هل ستتغير الأقساط الشهرية على مدى عمر القرض؟ إلى أي مدى يمكن أن يرتفع القسط الشهري الذي أدفعه؟
    • هل القسط الشهري الذي أدفعه يشمل الضرائب العقارية والتأمين؟ وإذا لم يكن فهل أستطيع أن أتحمـّل دفعها بشكل منفصل؟
    • ما هي التكاليف والرسوم التي ستضاف إلى المبلغ الأولي الذي سأدفعه؟ وهل ستضاف إلى أقساطي الشهرية المنتظمة؟
    • هل يتوجب عليّ دفع نقاط (الرسوم التي تـُدفع مقدما ولتخفيض سعر الفائدة الذي تدفعه)؟
    • ما هي الرسوم والتكاليف المشمولة في المبلغ الذي اقترضه (نموذجي للقروض المسماة "بدون تكاليف إتمام البيع")؟
    • هل العرض المكتوب يطابق ما قيل لي عن القرض شفويا؟
    • هل أستطيع الحصول على صفقة أفضل لخدمات التسوية من مقدمي خدمات مختلفين؟
    • هل أستطيع تسديد القرض مبكرا، أو دفع أقساط أكبر من الأقساط المجدولة، بدون غرامة؟

    اطلب صفقة أفضل

    بمجرد أن ترى العروض المقدمة من عدة مقرضين اسأل ما إذا كان من الممكن أن يقدموا لك شيئا أفضل. فالتفاوض معهم مسألة عادية وشائعة ولا ضرر في السؤال. فقد يستطيع المقرض إعفاءك من أحد الرسوم أو أكثر أو تخفيضه، أو خفض سعر الفائدة أو النقاط.

    تأكد من أن المقرض لا يخفـّض أحد الرسوم وفي نفس الوقت يزوِّد رسما آخر، أو يخفـّض سعر الفائدة المعروض عليك وفي نفس الوقت يزوِّد نقاطك؟

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    Shopping for your auto loan (in Arabic)
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    التسوق للحصول على قرض سيارة لك

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    التسوق للحصول على قروض ومحاولة الحصول على أفضل الأسعار والشروط الأخرى، رغم تعقيدها، يشبه الأنواع الأخرى من التسوق بمقارنة الأسعار. لذلك فإن التسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك ويجعل العملية أقل إرهاقًا.

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    استعد قبل التقدم بطلب للحصول على قرض سيارة

    ستكون في وضع أفضل للتسوق والمساومة للحصول على قرض سيارة إذا اتبعت هذه الخطوات قبل التقدم بطلب للحصول على قرض.

    تحقق من تقرير الائتمان الخاص بك

    تحدد المعلومات الواردة في تقرير الائتمان الخاص بك درجاتك الائتمانية. وتلعب درجتك الائتمانية دورًا كبيرًا في تحديد نوع قرض السيارة الذي يمكنك الحصول عليه، ومقدار الفائدة التي ستدفعها مقابل القرض. فيما يلي بعض الموارد المفيدة:

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    هل تحتاج إلى مُوقِّع مشارك؟

    المُوقِّع المشارك هو شخص - مثل أحد الوالدين أو أحد أفراد الأسرة أو صديق - ملزم تعاقديًا بسداد القرض تمامًا مثلك. إذا كان سجلك الائتماني محدودًا أو يحتاج إلى تحسين، وكانت درجتك الائتمانية منخفضة (أو ليس لديك درجة ائتمانية)، فمن الممكن أن يكون معدل الفائدة الخاص بك أقل بكثير إذا كان لديك مُوقِّع مشارك يتمتع بائتمان جيد أو ممتاز. وذلك لأن المُقرض سيعتمد على السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك عند اتخاذ القرار بشأن منح القرض.

    إذا كنت تفكر في أن يكون لديك مُوقِّع مشارك، فيجب أن تفكر أنت والمُوقِّع المشارك المحتمل بعناية في هذا القرار. إذا لم تسدد قرضك، فستكون أنت والمُوقِّع المشارك مسؤولين عن السداد. وهذا مع اعلم أن المُوقِّع المشارك يعتبر مسؤولاً عن القرض، حتى لو لم يكن له الحق في حيازة السيارة. بالإضافة إلى ذلك، فإن أي مدفوعات متأخرة يتم سدادها على القرض ستؤثر على كل من سجلك الائتماني ودرجتك الائتمانية وأيضا السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك. يحظر القانون الفيدرالي عمومًا على المُقرض من مطالبتك بأن يكون لديك مُوقِّع مشارك وذلك إذا تقدمت بطلب للحصول على قرض بشكل فردي وكنت مؤهلاً وفقًا لمعايير المقرض للجدارة الائتمانية للحصول على القرض. لمزيد من المعلومات حول التوقيع المشترك، تفضل بزيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    تحقق من أسعار الفائدة الحالية على قروض السيارات

    يمكنك البحث عن الأسعار عن طريق الاتصال بعدة بنوك أو اتحادات ائتمانية أو مقرضين آخرين. يمكنك أيضًا البحث عبر الإنترنت في العديد من المواقع التجارية التي قد تعطيك تقديرًا لمعدلات الفائدة على الصعيد الوطني ومن خلال الرمز البريدي الخاص بك. ستربطك بعض المواقع التجارية بمقرضين وتجار محددين للحصول على تقديرات، لذلك قد ترغب في توخي الحذر عند إدخال معلوماتك الشخصية.

    فكّر في دفع عربون

    إذا دفعت عربونا فإن ذلك سيخفض المبلغ الإجمالي الذي تموله لأنه سيتعين عليك اقتراض أموال أقل. وكلما كان مبلغ العربون أكبر، كلما انخفضت التكلفة الإجمالية للقرض.

    قرر ما إذا كنت تريد استبدال سيارتك الحالية

    إذا كنت تمتلك سيارة بالفعل، فابحث عن قيمتها لمعرفة المبلغ الذي قد تحصل عليه من عملية مبادلة أو بيع خاص. يمكنك البحث عن القيمة التقريبية باستخدام مواقع الويب التجارية عبر الإنترنت مثل Consumer Reports و Edmunds و Kelley Blue Book و J.D. Power و online classifieds (الإعلانات المبوبة على الإنترنت). قد تكون هذه الموارد متاحة أيضًا في مكتبتك المحلية. سيساعدك العثور على أمثلة لسيارات مماثلة تم بيعها مؤخرًا في منطقتك على معرفة السعر العادل.

    بمجرد أن تعرف قيمة سيارتك الحالية بالتقريب، يمكنك أن تقرر ما إذا كنت تريد استبدالها أو بيعها بنفسك. إذا قمت باستبدالها لدى أحد الوكلاء، فستقرر أنت والتاجر القيمة التي ستُخصم من سعر شراء سيارتك التالية. إذا قمت ببيعها بنفسك، فيمكنك استخدام الأموال التي تحصل عليها كعربون.

    إذا كان لديك قرض حالي على سيارتك التي تريد ا استبدالها، ففكّر في وضعك بعناية

    فكر جيدًا فيما إذا كنت ستتحمل ديونًا جديدة بالإضافة إلى ديونك الحالية. فيما يلي بعض الاعتبارات والخطوات:

    • اعرف من من المقرض الحالي ما هو مبلغ السداد، وهو المبلغ المطلوب دفعه لسداد القرض الحالي، قبل الذهاب إلى الوكالة.
    • حدد ما إذا كنت ستسدد قرضك الحالي الآن، وانتظر حتى تسدد قرض السيارة القديم قبل أن تقترض لسيارة أخرى، أو قم بتضمين المبلغ الذي لا تزال مدينًا به لسيارتك الحالية في قرض سيارتك الجديدة.
    • إذا كنت مدينًا لسيارتك الحالية بأكثر مما تستحق - يشار إليه على أنه مقلوب - فهذا يعني أن لديك رصيدًا سلبيًا. إذا قمت بتدوير رصيد قرض السيارة الحالي الخاص بك إلى قرض السيارة الجديد، فقد يؤدي ذلك إلى زيادة تكلفة قرض السيارة الجديد. ستكون التكلفة الإجمالية لقرضك أعلى لأنك ستقترض أكثر من مجرد سعر سيارتك الجديدة.
    • بعد البحث عن قيمة التي ستعود إليك من استبدال سيارتك ، إذا كان المبلغ الذي لا تزال مدينًا به في عملية الاستبدال أقل مما يستحق، فتأكد أثناء أي مفاوضات من التفكير فيما إذا كنت ستحصل على قيمة عادلة لسيارتك التي تستبدلها وأنك قادر على سداد قرض السيارة القديم بالكامل.
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    هل ما زلت مدينًا بالمال على سيارتك التي تريد استبدالها ؟

    إذا كنت تفكر في ترحيل رصيد القرض القديم إلى قرضك الجديد، فتأكد من فهم كيف سيؤثر ذلك على التكلفة الإجمالية لقرضك الجديد. انظر بعناية إلى التكلفة الإجمالية للقرض الجديد بما في ذلك المبلغ المقترض ومعدل النسبة المئوية السنوي (APR) وسعر الفائدة ومدة القرض (بالأشهر) والقسط الشهري - قبل الموافقة على أي شيء. إذا لم تقم بترحيل المبلغ الذي لا تزال مدينًا به لسيارتك القديمة إلى القرض الجديد، واحتفظت بسيارتك الحالية أثناء شراء سيارة جديدة، فسيكون لديك قرضان وقسطان شهريان عليك دفعهما. في كلتا الحالتين، قد ترغب في التفكير فيما إذا كان من المنطقي المضي قدمًا في المعاملة وشراء السيارة التالية إذا كنت لا تزال مدينًا بالمال على سيارتك التي تريد استبدالها. لمزيد من المعلومات، يرجى زيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    فكر في الإضافات الاختيارية مسبقًا

    عندما تذهب إلى تاجر سيارات، ففي الغالب ستُعرض عليك منتجات وخدمات إضافية للسيارة أو للقرض. فمن المستحسن أن تفكر في هذه الإضافات مسبقًا، بحيث تقلل من الأمور التي تسبب لك أي قلق في الوكالة، وتكون لديك إجابات جاهزة عندما يُطلب منك شراء هذه الإضافات. وتشمل الإضافات الشائعة ما يلي:

    هذه المنتجات والخدمات التي يمكنك تمولها اختيارية. إذا قمت بشرائها فإن السعر قابل للتفاوض. إذا كنت تعتقد أنك تريد شراء هذه المنتجات أو الخدمات، فتسوق. على سبيل المثال، قد تقدم شركة التأمين على السيارات الخاصة بك تأمين GAP أو تأمين الائتمان أو بدائل أخرى. وإذا قمت بتمويل الإضافات الاختيارية كجزء من قرضك، سيزداد المبلغ الذي تقترضه وتدفعه.

    الآن وبعد أن قمت بجمع كل ما يجب من معلومات، فأنت على استعداد لاتخاذ الخطوة التالية: التسوق للحصول على قرض السيارة. استخدم ورقة عمل قرض السيارة الموجودة بالموقع consumerfinance.gov لتتبع شروط القرض ومقارنة اختياراتك. وخذ ورقة العمل معك إلى البنك، والاتحاد الائتماني، والمقرض الآخر، والوكالة حتى تتمكن من مقارنة خيارات القروض المعروضة عليك والحصول على أفضل صفقة لك.

    تسوق للحصول على قرض سيارة

    أنت الآن جاهز لبدء التسوق للحصول على قرض. قبل أن تتوجه إلى الوكالة، اجمع معلوماتك الشخصية وفكر في الحصول على موافقة مسبقة للحصول على قرض.

    فالتسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك وسيجعل العملية أقل إرهاقًا.

    اجمع معلوماتك الشخصية

    عندما تتجه إلى بنك أو اتحاد ائتماني أو وكالة، تأكد من جمع جميع المعلومات التي ستحتاج إليها. سيطلب المقرضون بشكل عام هذه المعلومات في طلب القرض:

    • الاسم
    • رقم الضمان الاجتماعي أو ITIN (رقم تعريف دافع الضريبة للفرد)
    • تاريخ الميلاد
    • العنوان الحالي والسابق (العناوين الحالية والسابقة) ومدة الإقامة
    • صاحب العمل الحالي والسابق (أصحاب العمل الحاليون والسابقون) وطول مدة التوظيف
    • المهنة
    • مصادر الدخل
    • إجمالي الدخل الشهري الكلي
    • المعلومات المالية عن حسابات الائتمان الجارية، بما في ذلك الديون الأخرى

    احصل على موافقة مسبقة للحصول على قرض

    يعد الحصول على عرض أو سعر لقرض تمت الموافقة عليه مسبقًا شاملا الحد الأقصى لمبلغ القرض وسعر الفائدة من بنك أو اتحاد ائتماني أو مقرض آخر مكانًا جيدًا للبدء. إذا حصلت على عرض لسعر قرض من مقرض إلى التاجر، فقد تكون في وضع أقوى للمساومة والحصول على صفقة أفضل، سواء التزمت بالعرض الذي أحضرته معك أو قررت قبول عرض التمويل المقدم من التاجر.

    تساعدك الموافقة المسبقة أيضًا على البقاء في حدود ميزانيتك وتسمح لك بمقارنة أسعار الفائدة دون ضغوط الوقت التي قد تشعر بها بمجرد أن تكون في الوكالة. ثم في الوكالة، يمكنك التركيز أكثر على السعر الفعلي للسيارة وسيارتك التي تريد استبدالها لأنك ستكون على دراية مسبقة بشروط القرض الذي يمكنك الحصول عليها. وسيظل لديك خيار التفاوض على قرض أفضل في الوكالة وعدم استخدام الموافقة المسبقة التي حصلت عليها.

    إذا تمت الموافقة على طلبك مسبقًا، فسيقوم المُقرض بإعطائك المستندات اللازمة لأخذها إلى ا الوكالة. وبمجرد أن تكون مستعدًا للشراء، سيقوم التاجر بعمل الترتيبات النهائية مع المُقرض الخاص بك.

    افهم كيف يؤثر التسوق للحصول على قرض على درجتك الائتمانية

    التسوق من أجل الحصول على أفضل صفقة لقرض سيارة عامة لا يكون له أي تأثير يُذكر على درجاتك الائتمانية. فإن فائدة التسوق ستفوق بكثير أي تأثير على درجتك (درجاتك) الائتمانية. في بعض الحالات، قد يؤدي التقدم بطلب للحصول على قروض متعددة على مدى فترة زمنية طويلة إلى خفض درجتك (درجاتك) الائتمانية. واعتمادًا على النموذج المستخدم لتحديد الدرجة الائتمانية ، بشكل عام، فإن أي طلبات أو استفسارات من جانب هؤلاء المقرضين للحصول على درجتك (درجاتك) الائتمانية والتي حدثت في غضون فترة زمنية تتراوح من 14 يومًا إلى 45 يومًا سيتم احتسابها كاستعلام واحد فقط. وهذا يعني أن التسوق للحصول على قرض سيارة خلال تلك الفترة الزمنية سيحتسب مثله مثل التقدم بطلب للحصول على قرض واحد فقط. يمكنك التقليل إلى الحد الأدنى من أي تأثير سلبي على درجتك الائتمانية عن طريق القيام بكل ما تبذله من التسوق للحصول على أفضل الأسعار في فترة زمنية قصيرة.

    اعرف حقوقك

    لا يجوز لمُقرض تثبيطك أو رفض طلبك للحصول على ائتمان، أو عرض أسعار مختلفة أو شروط وأحكام أخرى للقرض، بناءً على العرق أو اللون أو الدين أو الأصل القومي أو الجنس أو الحالة الاجتماعية أو السن أو تلقي دخل المساعدة العامة، أو ممارسة بحسن نية لأي حق بموجب قانون حماية ائتمان المستهلك.

    يمكنك التبليغ عن الاحتيال عبر الإنترنت لدى لجنة التجارة الفيدرالية (Federal Trade Commission, FTC) على الموقع reportfraud.ftc.gov أو إرسال شكوى إلى مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB)) على الموقع consumerfinance.gov/complaint أو عن طريق الاتصال هاتفيا على الرقم المجاني 1-855-411-CFPB (2372).

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    Act fast if you can’t pay your credit cards (in Haitian Creole)
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    Aji vit si ou pa ka peye kat kredi ou yo

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    Aji touswit epi rele konpayi kat kredi w lan si ou panse ou pa ka peye peman minimòm nan sou kat kredi w lan.

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    Gen anpil konpayi kat kredi ki gen dwa dispoze ede ou si w ap fè fas a yon ijans finansye. Ou pa bezwen an reta nan peman ou yo pou mande yo ede ou!

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    Pa inyore pwoblèm nan

    Sa gen dwa lakòz pi gwo pwoblèm toujou, tankou:

    • To enterè pi wo
    • Peman minimòm pi wo
    • Pèdi privilèj sèvi ak kat ou a
    • Frè reta
    • Donmaj nan nòt kredi ou

    Men sa pou fè

    1. Adisyone lajan ki antre ak sa ou depanse

    Chèche fason pou redwi depans yo. Si ou pa ka jwenn ase pou peye peman minimòm ou an, deside konbyen ou ka peye.

    2. Rele konpayi kat kredi w lan

    Pa bliye eksplike klè:

    • Poukisa ou pa ka peye minimòm nan
    • Montan ou ka peye
    • Lè w ap ka rekòmanse peman nòmal ou yo

    3. Reflechi sou pran konsèy sou kredi

    Si ou bezwen plis èd, òganizasyon konsèy nan zafè kredi ki pa gen bi fè lajan yo ka montre ou kijan pou w jere lajan ou.

    Anvan ou enskri pou konsèy nan zafè kredi, mande si y ap fè ou peye, ki montan, ak ki sèvis y ap ba ou. Konseye nan zafè kredi w lan dwe pran tan aprann sitiyasyon finansye ou, epi ofri ede ou aprann kijan pou w amelyore li.

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    Pa gen solisyon fasil

    Gen konpayi ki fè lajan nan soulaje dèt ki di yo ka ede ou fin peye dèt ou yo “pou yon ti kras lajan.” Men anpil fwa, yo pa kenbe pwomès sa yo. Fè atansyon a tout òganizasyon soulajman dèt ki:

    • Fè ou peye anvan li regle dèt ou yo
    • Garanti li ka fè dèt ou a disparèt
    • Di ou sispann kominike ak pretè yo oswa konpayi kat kredi yo
    • Di ou sispann fè peman sou yon kat kredi oswa yon prè
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    Auto loan key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè prè pou achte machin

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    Valè Reyèl (ACV) (Actual Cash Value (ACV))

    Valè Kach Reyèl la (ACV) se valè machin nan dapre sous endepandan tout moun rekonèt tankou National Automobile Dealers Association (Asosyasyon Nasyonal Konsesyonè Machin nan) oswa Kelley Blue Book .

    Li plis (ann anglè)

    Amòtisman (Amortization)

    Amòtisman an dekri pwosesis fin peye prè pou achte machin ou an ofiyamezi. Nan yon prè amòtisab, pou chak peman ou fè nan yon mwa, gen yon pòsyon yo itilize pou peye montan prè a – kapital la – epi yo sèvi ak yon pòsyon nan peman an pou peye chaj finansye yo – enterè a.

    Li plis (ann anglè)

    To Enterè Anyèl (APR) (Annual Percentage Rate (APR))

    To Enterè Anyèl la (APR) se depans ou fè chak ane pou prete lajan, sa gen ladan frè yo, ki eksprime sou fòm pousantaj. APR la se yon mezi pi jeneral depans ou fè pou prete lajan poutèt li reflete non sèlman to enterè a men frè ou gen pou peye yo pou jwenn prè a tou. Plis APR la wo, plis w ap peye pandan dire prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR men se pa avèk to enterè.

    Benefisyè (Assignee)

    Yon benefisyè se yon moun oswa yon konpayi ki achte prè pou achte machin ou an. Pa egzanp, yon konsesyonè ki ofri ou kredi gen dwa vann prè w lan bay yon bank, sa ki fè bank la vin benefisyè a. Se moun ki achte prè w la ou dwe lajan an. Benefisyè a gen dwa retansyon sou machin nan e li kapab sezi li si ou pa peye.

    Pri debaz (Base price)

    Pri debaz la se pri machin nan san opsyon.

    Li plis (ann anglè)

    To dacha (Buy rate)

    To dacha a se yon estimasyon to enterè yon pretè posib ap bay konsesyonè ou a lè ou mande pou konsesyonè a fè aranjman pou finansman pou ou.

    Li plis (ann anglè)

    Kosiyatè (Co-signer)

    Yon kosiyatè se yon moun—tankou yon paran, yon manm fanmi pwòch, oswa yon zanmi—ki pwomèt remèt prè a si ou pa fè l. Li kapab bon pou ni ou ni pretè w la. Kosiyatè a pran responsabilite total pou li remèt prè a. Lè ou gen yon kosiyatè sou prè w la sa bay pretè w la asirans prè a ap remèt. Si ou pa remèt prè w la, kosiyatè w la ap responsab remèt li menm si kosiyatè a pa t jan kondwi machin ou an. Si yo mande ou kosiyen yon prè, ou dwe konsidere ki konsekans l ap genyen sou finans ou.

    Asirans kredi (Credit insurance)

    Asirans kredi an se yon asirans ou pa oblije pran ki gen dwa fè peman pou machin nan bay pretè w la nan sèten sitiyasyon, tankou si ou mouri oswa vin andikape. Si w ap reflechi sou asirans kredi, ou dwe konprann kondisyon règleman y ap ofri w lan. Si ou deside ou bezwen asirans, gen dwa gen fason pi bon mache pou w jwenn pwoteksyon pase achte asirans kredi epi ajoute li nan prè pou achte machin ou an. Pa egzanp, asirans vi gen dwa mwen chè pase asirans vi kredi epi li gen dwa kite fanmi ou fin peye lòt depans anplis prè pou achte machin ou an.

    Pwodwi pou anilasyon oswa sispansyon dèt (Debt cancellation or suspension products)

    Gen konsesyonè epitou bank ak kès depay ki ofri pwodwi oswa asirans “anilasyon dèt” oswa “sispansyon dèt” sou diferan non. Pwodwi sa yo sanble asirans kredi nan fason yo fonksyone, men frè yo ak karakteristik yo gen dwa diferan.

    Li plis (ann anglè)

    Balans defisitè (Deficiency balance)

    Si yo sezi epi vann machin ou an, ou gen dwa responsab peye diferans la ant montan ki rete nan prè w la (plis frè sezi yo) ak pri devant la. Yo rele sa “balans defisitè”.

    Avalwa (Down payment)

    Yon avalwa se yon premye peman davans ou fè sou pri total machin nan. Avalwa ou a ka kach, valè yon tredin, oswa toude. Plis avalwa ou a wo, mwens ou bezwen prete. Yon gwo avalwa gen dwa redui peman pa mwa w lan tou ak pri total finansman an.

    Garanti pwolonje oswa kontra sèvis machin (Extended warranty or vehicle service contract)

    Yon garanti pwolonje oswa kontra sèvis machin kouvri depans yo pou sèten kalite reparasyon, anplis garanti fabrikan an oswa lè garanti fabrikan an fini.

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    Depatman finans ak asirans la (Finance and insurance department)

    Si w achte yon machin kay yon konsesyonè, vandè a gen dwa voye ou wè yon moun nan biwo finans ak asirans la (F&I) oswa nan biwo dafè a. Se pati kay konsesyonè a k ap vann kliyan yo prè ak diplis lè yo fin aksepte achte yon machin kay konsesyonè a.

    Li plis (ann anglè)

    Finansman ak to fiks (Fixed-rate financing)

    Finansman ak to fiks vle di to enterè sou prè w la pa chanje pandan dire prè w la. Avèk yon to fiks, ou ka wè peman ou pou chak mwa ak total w ap peye a pandan dire yon prè. Ou ta ka pito finansman ak to fiks la si w ap chèche yon peman prè ki p ap chanje. Finansman ak to fiks la se yon kalite finansman. Yon lòt kalite se finansman ak to varyab.

    Asirans pretè (Force-placed insurance)

    Pou w jwenn prè pou achte machin, ou dwe gen asirans pou kouvri machin nan menm. Si ou pa arive jwenn asirans oswa si ou kite asirans ou a ekspire, kontra a nòmalman bay pretè a dwa pou li pran asirans pou kouvri machin nan. Asirans sa a rele “asirans pretè”.

    Li plis (ann anglè)

    Asirans Pwoteksyon Machin Garanti (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Asirans GAP la kouvri diferans la (oswa eka a) ant montan ou dwe sou prè pou achte machin ou an ak sa asirans ou a ap peye si yo vòlè machin ou an, li donmaje, oswa li kraze nèt. Ou pa oblije achte asirans sa a, men si ou deside ou vle li, fè konparezon. Pretè yo gen dwa gen diferan pri pou pwodwi sa a.

    To enterè (Interest rate)

    To enterè yon prè pou achte machin se pri ou peye chak ane a pou prete lajan, ki eksprime sou fòm pousantaj. To enterè a pa gen ladan frè yo fè ou peye pou prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR e pa avèk to enterè.

    Echeyans oswa dire prè a (Loan term or duration)

    Se dire prè pou achte machin ou an, ki jeneralman eksprime an mwa. Yon echeyans pi kout pou prè a (kote ou fè peman chak mwa pandan mwens mwa) ap redwi ri total prè w la. Yon prè pi long ka redwi peman chak mwa w lan, men w ap peye plis enterè sou dire prè a. Yon prè pi long ap fè ou riske tou pou w vin gen kapital negatif, ki se lè ou dwe plis sou machin nan pase sa machin nan vo.

    Rapò prè-valè (Loan-to-value ratio)

    Rapò prè-valè a (LTV) se valè lajan total prè w la divize pa valè kach reyèl (ACV) machin ou an. Yo nòmalman eksprime li an pousantaj. Akont ou an ap redui rapò prè-valè prè w lan.

    Li plis (ann anglè)

    Abitraj obligatwa (Mandatory binding arbitration)

    Lè ou siyen yon kontra ki gen yon kondisyon abitraj obligatwa, ou dakò pou rezoud tout konfli sou kontra a devan yon abit k ap pran desizyon sou konfli an olye pou w ale nan tribinal. Ou gen dwa dakò renonse a lòt dwa tou, tankou kapasite ou pou w fè apèl desizyon an oswa pou w patisipe nan yon pwosè nan non yon gwoup moun.

    Li plis (ann anglè)

    Avantaj fabrikan yo (Manufacturer incentives)

    Avantaj fabrikan yo se bon afè espesyal, tankou 0% finansman oswa ranbousman kach ou gen dwa wè nan reklam pou nouvo machin. Souvan, se pou sèten modèl sèlman yo ofri yo.

    Li plis (ann anglè)



    Pri Detay Fabrikan an Sijere (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Pri Detay Fabrikan an Sijere a (MSRP) se pri konstriktè otomobil la – fabrikan an – sijere pou konsesyonè a mande pou machin nan.

    Li plis (ann anglè)



    Kapital negatif (Negative equity)

    Si ou dwe plis sou prè pou achte machin ou genyen kounye a pase sa machin nan vo alòs ou gen yon kapital negatif. Sa vle di, si ou ta eseye vann machin ou an, ou pa t ap kapab jwenn sa ou deja dwe sou li an. Paregzanp, an nou di ou dwe $10,000 sou prè pou achte machin ou an epi machin ou an vo $8,000 kounye a. Sa vle di ou gen yon kapital negatif $2,000. W ap gen pou fin peye kapital negatif sa a si ou vle twoke machin ou an epi pran yon prè pou achte yon machin nèf.



    Prè pou achte machin san verifikasyon kredi oswa “achte isit la, peye isit la” (No credit check or "buy here, pay here" auto loan)

    Yon prè pou achte machin “san verifikasyon kredi” oswa “achte isit la, peye isit la”, se konsesyonè ki nòmalman finanse prè pou achte machin “sou plas” pou kliyan ki pa gen kredi oswa ki gen move kredi, ki ofri li.

    Li plis (ann anglè)

    Kapital (Principal)

    Kapital la se lajan ou te dakò remèt la nan kòmansman.

    Jeneralman, tout peman ou fè sou yon prè pou achte machin ap sèvi toudabò pou peye frè ou dwe yo (paregzanp, frè reta). Apre sa, lajan ki rete nan peman w lan ap sèvi pou peye tout enterè ou dwe, sa gen ladan enterè w ap peye an reta, si genyen. Apre sa rès peman w lan ap sèvi pou peye balans kapital prè w lan.

    Pri baze sou risk (Risk-based pricing)

    Pri baze sou risk se lè pretè yo ofri diferan kliyan diferan to enterè oswa lòt kondisyon prè, baze sou risk yo estime ki genyen pou kliyan yo pa remèt lajan yo prete a.

    Li plis (ann anglè)

    Pri total (Total cost)

    Se kantite ou pral peye pou achte machin ou, sa gen ladan kapital, enterè, ak tout akont oswa tredin, pandan dire prè a.

    Deklarasyon Verite nan Prè (Truth in Lending disclosure)

    Lwa federal sou Verite nan Prè a (oswa “TILA” pou pi kout)—egzije pou moun ki mande prè a resevwa deklarasyon ekri sou kondisyon kredi enpòtan anvan lalwa oblije yo peye prè a. Aprann plis sou enfòmasyon ki nan deklarasyon TILA w lan ak sou ki lè ou dwe resevwa l epi li l.

    Finansman ak to varyab (Variable-rate financing)

    Finansman ak to varyab se lè to enterè prè w lan ka chanje, baze sou to preferansyèl la oswa sou yon lòt to ki rele “endèks”. Avèk yon prè ak to varyab, to enterè a sou prè a ap chanje amezi to endèks la ap chanje, sa ki vle di li ka monte oubyen desann. Poutèt to enterè w lan ka monte, peman pa mwa w lan ka monte tou. Plis echeyans prè a long, plis yon prè ak to varyab ka gen risk pou yon moun ki mande prè, poutèt to yo gen plis tan pou yo monte. Finansman ak to varyab la se yon kalite finansman. Yon lòt kalite se finansman ak to fiks.

    Asirans nan Enterè Machann nan Sèlman (VSI) (Vendor's Single Interest (VSI) insurance)

    Asirans VSI la pwoteje pretè a, menm pa ou, nan ka machin nan ta donmaje oswa kraze nèt.

    Li plis (ann anglè)

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    Chanm Konpansasyon Otomatik (ACH) (Automated Clearing House (ACH))

    Otorizasyon Chanm Konpansasyon Otomatik la (ACH) se yon otorizasyon peman ki bay pretè a pèmisyon pou li pran lajan elektwonikman nan kont labank ou, kès depay ou, oswa kat peye davans ou lè moman an rive pou w peye. Ou ka revoke otorizasyon sa a.

    Peman debi otomatik (Automatic debit payment)

    Avèk debi otomatik, ou bay konpayi an pèmisyon pou li pran peman yo dirèkteman nan kont labank ou. Se pa menm bagay ak opsyon pou peye bòdwo regilyèman ke bank ou a ofri an. Nan peman regilye bòdwo, ou bay pèmisyon pou bank ou oswa kès depay ou voye peman an bay konpayi an.

    Sètifika depo (CD) (Certificate of deposit (CD))

    Yon Sètifika Depo, oswa CD, se yon kalite kont depay espesyal ke bank yo oswa kès depay yo ofri. Ou jeneralman dwe kenbe fon w yo nan CD an pandan yon peryòd tan yo presize ba ou pou evite penalite.

    Li plis (ann anglè)

    Sètifika depo (CD) renouvle (Certificate of deposit (CD) rollover)

    Yon renouvèlman ka fèt lè echeyans CD a rive.

    Li plis (ann anglè)

    Trèt a vi (Demand draft)

    Yon trèt a vi kite yon moun tire lajan sou kont chèk ou san siyati ou.

    Li plis (ann anglè)

    Blokaj depo (Deposit hold)

    Kantite tan yon bank oswa kès depay kenbe fon ou depoze pa chèk, yo rele sa pafwa “blokaj depo” oswa “blokaj chèk”. Gen bank ak kès depay ki gen dwa mete fon yo disponib pi vit pase sa lalwa egzije, epi genyen ki gen dwa akselere disponibilite fon yo si ou peye pou sa.

    Fidisyè (Fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Lè yo nonmen ou kòm fidisyè, lalwa egzije pou w jere lajan ak pwopriyete moun lan nan enterè li, pa nan enterè pa ou.

    Gadyen pwopriyete (Guardian of property)

    Yon gadyen pwopriyete se yon moun tribinal la nonmen pou jere lajan ak pwopriyete yon lòt moun tribinal la jije li pa kapab jere lajan li ak pwopriyete li poukont li.

    Li plis (ann anglè)

    Nimewo endividyèl kontribyab (ITIN) (Individual taxpayer identification number (ITIN))

    ITIN nan se yon nimewo idantifikasyon ou resevwa nan men Sèvis Enpò sou Revni Ameriken an (Internal Revenue Service). ITIN nan disponib sèlman pou sèten etranje ki pa rezidan oswa ki rezidan, mari/madanm yo, ak depandan yo ki pa ka jwenn yon Nimewo Sekirite Sosyal.

    Kont ini (Joint account)

    Si ou ta renmen kite yon zanmi oswa yon manm fanmi ou ekri chèk ak fè depo pou ou, reflechi sou ouvè yon kont ini Jeneralman, tout moun ki gen non yo sou yon kont jwen ka ekri chèk, tire lajan, fè tranzaksyon, deplase fon, oswa fèmen kont la. Si gen youn nan moun ki sou kont la ki dwe lajan, kreyansye a ka eseye kolekte lajan nan kont ini an.

    Kont depo mache monetè (Money market account)

    Yon kont depo mache monetè se yon kalite espesyal kont ke bank ak kès depay yo ofri.

    Li plis (ann anglè)

    Frè ensifizans pwovizyon (NSF) (Non-sufficient funds (NSF) fees)

    Yo gen dwa fè ou peye frè NSF oswa ensifizans pwovizyon lè chèk ou a oswa otorizasyon elektwonik ou a pa peye poutèt mank fon nan kont ou. Yo rele sa souvan chèk ki “retounen” oswa ki “san pwovizyon”.

    Dekouvè (Overdraft)

    Ou gen dekouvè lè ou pa gen ase lajan nan kont ou pou kouvri yon tranzaksyon, men bank la peye tranzaksyon an kanmenm. Kont ou ka vin dekouvè poutèt chèk, tranzaksyon nan ATM, acha avèk kat debi, peman otomatik bòdwo, ak retrè elektwonik oswa an pèsonn.

    Gen anpil bank ak kès depay ki ofri pwogram pwoteksyon kont dekouvè kote bank la oswa kès depay lan jeneralman peye tranzaksyon an epi fè ou peye yon frè (anplis dèske li egzije pou w remèt montan dekouvè a). Ou ka kouvri dekouvè a tou gras a yon transfè fon soti nan yon kont ki lye, yon kat kredi, oswa yon liy kredi.

    Liy kredi pèsonèl (Personal line of credit)

    Yon liy kredi pèsonèl se yon prè ou itilize detanzantan. Ou ekri chèk espesyal oswa mande transfè ale sou kont chèk ou a pa telefòn oswa sou entènèt.

    Menm jan ak yon kont kat kredi, ou gen yon limit kredi, ou resevwa bòdwo chak mwa, ou fè omwen yon peman minimòm, ou peye enterè baze sou balans ou rete a, e petèt ou peye yon frè chak fwa ou sèvi ak kont la.

    Liy kredi pèsonèl yo pa gen garanti, kontrèman a Liy Kredi ki Garanti ak Byen Imobilye yo (HELOC), ki gen yon ipotèk sou kay ou ki kore yo. Se bank ak kès depay ki ofri liy kredi pèsonèl, e yo nòmalman egzije pou w gen yon kont chèk tou nan menm enstitisyon an.

    Manda legal (Power of attorney)

    Yon manda legal (POA) se yon dokiman jiridik ki kite yon lòt moun aji nan non ou. Kreyasyon yon POA se yon fason pou nonmen yon moun k ap pran desizyon pou ou e li relativman bon mache, malgre yon avoka gen dwa oblije ede ou.

    Yon POA finansye ka sèvi kòm zouti pou planifye enkapasite ki ka rive pi devan – lè ou p ap kapab pran desizyon finansye poutèt, paregzanp, ou vin annanfans, ou pran blesi ak chòk nan sèvo, oswa ou vin gen kèk lòt deteryorasyon ki gen konsekans sou fonksyon mantal ou. Lè li sèvi pou planifikasyon davans, yon POA jeneralman “dirab”, sa ki vle di li rete an vigè menm si moun ki kreye li an vin andikape. Kontinye li pou jwenn plis enfòmasyon sou manda legal la (POA).

    Moun k ap jere prestasyon pou yon lòt moun (Representative payee)

    Administrasyon Sekirite Sosyal la (SSA) nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè (SSI) li. Sèl sa moun k ap jere prestasyon pou lòt moun nan ka jere se chèk prestasyon ke SSA peye yo. Si moun k ap resevwa prestasyon yo gen lòt lajan oswa pwopriyete li pa ka jere, moun k ap jere prestasyon pou li an dwe gen otorizasyon legal nan men yon lòt sous pou li jere lòt fon yo. Paregzanp, yon tribinal ta ka nonmen yon moun k ap jere prestasyon pou yon lòt moun kòm gadyen pwopriyete tou. Kòm moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, ou se yon fidisyè.

    Pou plis enfòmasyon sou moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, li gid sa a sou jesyon lajan lòt moun.

    Fidisi revokab (Revocable living trust)

    Yon fidisi revokab se yon dokiman jiridik ki ba ou otorite pou pran desizyon sou lajan oswa pwopriyete yon lòt moun ke yon kenbe nan yon fidisi.

    Li plis (ann anglè)

    Moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun (Social Security representative payee)

    Administrasyon Sekirite Sosyal la nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè li.

    Li plis (ann anglè)

    Fidisyè VA (VA fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Depatman Afè Ansyen Konbatan an (VA) nonmen fidisyè VA pou jere prestasyon ansyen konbatan pou moun ki pa ka jere fon yo poukont yo.

    Li plis (ann anglè)

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    To Enterè anyèl (APR) (Annual percentage rate (APR))

    APR la, oswa to entèrè anyèl la, se fason nòmal la pou konpare kantite lajan yon prè koute. Li kite ou konpare pri pwodui prè ki konparab. Konpayi kat kredi w lan dwe di ou sa APR la ye anvan ou dakò sèvi ak kat la.

    Pou kalkile APR la, yo konpare to enterè a ak frè yo avèk montan yo prete w la epi yo kalkile yo sou yon peryòd yon ane. Sa pèmèt ou konpare depans yon kat kredi ak yon prè pou remèt pa vèsman sou sis mwa. Se poutèt sa tou APR yo souvan diferan de to enterè senp.

    Transfè balans (Balance transfer)

    Yon transfè balans kite ou deplase yon balans ki rete ou soti sou yon kat kredi ale sou yon lòt, pafwa pou yon frè. Frè a se nòmalman yon sèten pousantaj nan montan ou transfere a oswa yon montan fiks, kèlkeswa sa ki pi wo a. Gen anpil konpayi kat kredi ki ofri balans transfè ak zewo pousan oswa ak enterè ba pou envite ou konsolide dèt ou sou yon sèl kat kredi. To enterè piblisitè a pou pifò transfè balans yo se pou yon tan limite. Apre sa, to enterè a sou nouvo kat kredi w lan gen dwa monte, sa k ap ogmante montan peman w yo.

    Si ou gen plis pase 60 jou reta pou yon peman, konpayi kat kredi an ka ogmante to enterè a sou tout balans yo, sa gen ladan balans ki transfere a.

    Balans kredi (Credit balance)

    Yon balans kreditè sou relve bòdwo w lan se montan konpayi ki ba ou kat kredi an dwe ou.

    Yo ajoute kredi sou kont ou chak fwa ou fè yon peman. Yo ajoute yo tou lè ou remèt yon bagay ou te achte avèk kat kredi oswa poutèt rekonpans ou genyen oswa poutèt erè yo te fè nan yon bòdwo anvan sa. Si total kredi yo depase montan ou dwe a, relve w la ap montre yon balans kredi.

    Li plis (ann anglè)

    To peryodik jounalye (Daily periodic rate)

    Gen konpayi kat kredi ki kalkile enterè sou kont la gras a yon to enterè peryodik jounalye ki, pou kalkile enterè a, sèvi avèk miltiplikasyon to a pa montan ou dwe nan finisman jounen an. Apre sa yo ajoute montan enterè a sou balans lavèy la, sa ki vle di enterè a konpoze chak jou.

    Delè gras (Grace period)

    Delè gras la se peryòd ant finisman yon peryòd faktirasyon ak dat ou dwe fè peman w lan. Pandan tan sa a, yo gen dwa pa ajoute enterè sou ou depi ou peye tout balans ou a nèt disi dat echeyans la. Konpayi kat kredi yo pa oblije bay delè gras. Men, pifò kat kredi yo ofri delè gras sou acha.

    Li plis (ann anglè)

    To enterè (Interest rate)

    To enterè yon Kat kredi se pri ou peye a pou prete lajan an. Pou kat kredi, yo nòmalman bay to enterè yo sou fòm to pa ane, e yo rele sa to enterè ànyèl la (APR). Sou pifò kat yo, ou ka evite peye enterè sou acha si ou fin peye balans ou nèt chak mwa disi dat echeyans la.

    Òf kat kredi pou moun ki preseleksyone (Prescreened credit card offer)

    Yon òf kat kredi pou moun ki preseleksyone se lè konpayi kat kredi yo sèvi ak enfòmasyon yo jwenn nan men konpayi rapò sou kredi yo pou fè ou òf kredi fèm si antesedan ou nan zafè kredi respekte kondisyon ke konpayi kat la chwazi yo.

    Li plis (ann anglè)

    Itilizasyon san otorizasyon (Unauthorized use)

    Jeneralman, itilizasyon san otorizasyon se lè yon moun ki pa gen dwa sèvi ak yon kat kredi sèvi avèk li. Paregzanp, si ou pèdi kat ou a epi yon moun jwenn li epi sèvi avè l, sa ap yon itilizasyon san otorizasyon.

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    Credit reports and scores key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè rapò ak nòt kredi

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    Ankèt sou kredi (Credit inquiry)

    Yon ankèt sou kredi se yon demann gade dosye kredi ou, epi li jeneralman tonbe nan youn nan de (2) kalite.

    Li plis (ann anglè)

    Envizib nan zafè kredi (Credit invisible)

    An 2015, nou te pibliye yon rapò ki te jwenn gen 26 milyon Ameriken ki “envizib nan zafè kredi”. Chif sa a endike gen youn sou chak dis granmoun ki pa gen antesedan nan zafè kredi nan okenn nan twa konpayi evalyasyon kredi peyi an. Gen 19 milyon lòt konsomatè ki gen dosye kredi “yo pa ka evalye”, sa ki vle di dosye yo fèb e pa gen ase antesedan nan zafè kredi (9.9 milyon) oswa yo gen dosye rans ki manke antesedan resan nan zafè kredi (9.6 milyon). Ototal, gen 45 milyon konsomatè yo gen dwa refize bay kredi poutèt yo pa gen rapò sou kredi ki kapab evalye. Moun ki envizib nan zafè kredi oswa ke yo pa ka evalye jeneralman pa ka jwenn kredi bon kalite epi yo gen dwa fè fas a yon seri pwoblèm, depi nan eseye jwenn kredi rive nan lwe apatman.

    Sèvis siveyans kredi (Credit monitoring service)

    Yon sèvis siveyans kredi se yon sèvis komèsyal ki fè ou peye yon frè pou siveye rapò kredi ou yo epi avèti ou si gen chanjman nan kont ki sou rapò kredi w lan.

    Li plis (ann anglè)

    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan remèt prè ak sitiyasyon kont kredi ou yo.

    Konpayi rapò kredi (Credit reporting company)

    Konpayi rapò kredi yo, yo rele yo tou ajans evalyasyon kredi oswa ajans ransèyman sou konsomatè, se konpayi ki rasanble epi vann rapò kredi.

    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Li enpòtan pou w konnen ou pa gen “yon sèl” nòt kredi e gen anpil nòt kredi ki disponib pou ou ak pou pretè yo. Chak nòt kredi depann de done yo itilize yo pou kalkile li, epi li gen dwa diferan selon modèl pwentaj la, sous antesedan ou nan zafè kredi, kalite pwodwiprè a, epi menm jou yo te kalkile li an.

    Lwa sou Rapò Kredi San Patipri (Fair Credit Reporting Act)

    Lwa federal sou Rapò Kredi San Patipri an (FCRA) favorize enfòmasyon kòrèk, san patipri, ak konfidansyèl nan dosye ajans ransèyman sou konsomatè yo. Gen plizyè kalite ajans ransèyman sou konsomatè, sa gen ladan ajans evalyasyon kredi ak ajans espesyalize (tankou ajans ki vann enfòmasyon sou abitid nan ekri chèk, dosye medikal, ak dosye sou abitid nan zafè lokasyon). Jwenn plis enfòmasyon sou dwa prensipal ou yo dapre FCRA a .

    Nòt FICO (FICO score)

    Yon nòt FICO® se yon mak nòt kredi an patikilye.

    Li plis (ann anglè)

    Alèt fwòd (Fraud alert)

    Yon alèt fwòd egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen baze sou yon demann ou fè kòm konsomatè. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan konpayi rapò kredi peyi an, li dwe mete lòt yo okouran. Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje.

    Siveyans idantite oswa pwoteksyon kont vòl idantite (Identity monitoring or identity theft proection)

    Sèvis pwoteksyon kont vòl idantite yo siveye enfòmasyon ki pèmèt idantifye moun nan demann kredi, dosye piblik, sit entènèt, ak lòt kote pou wè si gen aktivite ki pa nòmal ki ta ka endike vòl idantite.

    Li plis (ann anglè)

    Vòl idantite (Identity theft)

    Gen vòl idantite lè yon moun vòlè idantite ou pou komèt fwòd. Vòlè idantite ou ta ka vle di sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou:

    • Non ou
    • Nimewo Sekirite Sosyal ou
    • Nimewo kat kredi ou

    Alèt pou militè ki nan sèvis aktif (Military active duty alert)

    Militè yo (tankou manm Marin, Lame, Lamarin, Fòs Ayeryèn, ak Gadkòt) ka mande yon alèt sèvis aktif. Lè ou mete yon alèt sèvis aktif sou rapò kredi ou, kreyansye yo dwe pran mezi rezonab pou verifye moun k ap fè demann nan se ou toutbon anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat kredi pou yon kont ou te deja genyen, oswa ogmante limit kredi ou sou kont ou te deja genyen an. Alèt sèvis aktif yo dire 12 mwa. Y ap wete non ou tou nan lis maketin preseleksyone konpayi rapò kredi yo toupatou peyi an pou òf kredi ak asirans pandan de (2) ane.

    Rekouvreman ki peye (Paid collection)

    Yon rekouvreman ki peye se yon kont ki t ale nan rekouvreman poutèt li pa t peye epi apre sa yo te peye li.

    Li plis (ann anglè)

    Entèdiksyon sekirite (Security freeze)

    Yon “entèdiksyon aksè a rapò kredi” sou rapò kredi ou anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont sou non ou, jiskaske ou leve entèdiksyon an. Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou.

    Konpayi ransèyman sou konsomatè espesyalize (Specialty consumer reporting company)

    Konpayi ransèyman sou konsomatè espesyalize yo ranmase epi bay enfòmasyon sou antesedan ou nan zafè travay, antesedan tranzaksyon ou avèk yon biznis oswa abitid ou nan remèt prè pou yon pwodui oswa sèvis an patikilye.

    Rapò evalyasyon lokatè (Tenant screening report)

    Yon rapò mèt kay yo itilize pou ede yo pran desizyon sou lokatè posib. Yon rapò evalyasyon lokatè gen dwa gen ladan enfòmasyon ki soti nan plizyè sous, sa gen ladan antesedan ou nan zafè lokasyon ak rapò kredi ou.

    Li plis (ann anglè)

    Dosye kredi fèb / Absans dosye kredi (Thin credit file / No credit file)

    Yon dosye kredi fèb oswa yon absans dosye kredi vle di yon moun pa gen anteseda nan zafè kredi oswa li pa gen ase antesedan nan zafè kredi kounye a pou pwodui yon nòt kredi. Gade: Envizib nan zafè kredi

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    Debt collection key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè rekouvreman dèt

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    Konseye nan zafè kredi (Credit counselor)

    Konseye nan zafè kredi yo ka ede nan bagay sa yo:

    • Ba ou konsèy pou jere lajan ak dèt ou
    • Ede ou elabore yon bidjè
    • Yo nòmalman ofri dokiman ak atelye edikatif gratis
    • Abityèlman, konseye nan zafè kredi yo sètifye ak fòme nan domèn kredi konsomatè, jesyon lajan ak dèt, ak bidjè. Konseye yo ap fè chita pale avè w sou sitiyasyon finansye w la annantye, epi y ap ede ou elabore yon plan pèsonalize pou rezoud pwoblèm lajan ou yo. 

    Règ rekouvreman dèt (Debt Collection Rule)

    CFPB te pibliye “règ” ki an vigè depi 30 novanm 2021 ki eksplike pi klè ak entèprete Lwa federal sou Pratik Rekouvreman Dèt San Patipri FDCPA).

    Li plis (ann anglè) 

    Pèseptè dèt (Debt collector)

    Dapre Lwa federal sou Pratik Rekouvreman Dèt San Patipri an, yon pèseptè dèt se jeneralman yon moun oswa yon konpayi ki regilyèman kolekte dèt yon moun dwe yon lòt moun, nòmalman lè dèt sa yo pa peye.

    Pami pèseptè dèt yo gen ajans rekouvreman oswa avoka ki kolekte dèt nan kad biznis yo. Epitou gen konpayi ki achte dèt ki pa peye nan men kreyansye oswa lòt biznis epi k ap eseye kolekte yo. Yo rele pèseptè dèt sa yo tou ajans rekouvreman dèt, konpayi rekouvreman dèt, oswa achtè dèt. 

    Sèvis règleman (sekou pou) dèt (Debt settlement (relief) services)

    Konpayi règleman dèt yo se konpayi ki di yo ka renegosye, regle, oswa yon sèten fason chanje kondisyon dèt yon moun anvè yon kreyansye oswa pèseptè dèt. Lè w annafè ak konpayi règleman dèt sa ka gen risk ladan.

    Li plis (ann anglè) 

    Lwa sou Pratik Rekouvreman Dèt San Patipri FDCPA) (Fair Debt Collection Practices Act (FDCPA))

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) se lwa federal prensipal ki kontwole pratik rekouvreman dèt yo. FDCPA a entèdi pou konpayi rekouvreman dèt yo sèvi ak pratik abizan, enjis oswa twonpè pou kolekte dèt nan men ou. Li plis (ann anglè) enfòmasyon sou dwa ou yo dapre FDCPA a. 

    Sezi (Garnishment)

    Yon sezi salè oswa kont labank se lè yon kreyansye pran yon pòsyon nan chèk salè ou oswa lajan nan kont labank ou pou kolekte lajan ou dwe. Sezi nòmalman bezwen yon lòd tribinal yo bay nan kad yon jijman. Men, gen sèten dèt ou dwe gouvènman an ki gen dwa lakòz sezi tou, menm san jijman.

    Lwa eta ak federal yo gen limit oswa “egzansyon” ki valab pou sezi kont labank ak salè, abityèlman pou w ka rete yon ti bagay pou viv. Se yon vyolasyon Lwa sou Pratik Rekouvreman Dèt san Patipri an (FDCPA) tou lè yon pèseptè dèt menase ou dèske y ap sezi salè ou si yo pa ka sezi salè ou legalman. 

    Lè yon pèseptè dèt ap tizonnen ou (Harassment by a debt collector)

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) di pèseptè dèt yo pa kapab ni tizonnen, ni peze kou, ni abize ni ou ni pèsonn lòt yo kontakte.

    Yon pèseptè dèt ka tizonnen sou diferan fòm. Kòm egzanp gen koutfil repete ki fèt pou anmède, abize, oswa tizonnen ou oswa nenpòt ki moun ki reponn telefòn nan; langaj obsèn oswa jouman; menas vyolans oswa move tretman; piblikasyon lis moun ki refize peye dèt yo (sa pa gen ladan rapòte enfòmasyon bay konpayi rapò kredi); epi rele ou san yo pa di ou kiyès yo ye. 

    Jijman (Judgment)

    Yon jijman se rezilta ofisyèl yon pwosè nan tribinal. Nan pwosè rekouvreman dèt, jij la gen dwa akòde kreyansye a oswa pèseptè dèt la yon jijman kont ou. Si ou pa reponn yon plent devan lajistis, w ap pèdi chans ou pou w defann tèt ou epi jijman an gen dwa fèt kont ou.

    Si yon moun asiyen ou, oswa si yon moun jwenn yon jijman kont ou epi ou pa fin sèten sa pou w fè, pale ak yon avoka. Gen avoka ki gen dwa ofri sèvis gratis oswa mande yon frè redui. Gen dwa gen biwo èd jiridik tou oswa klinik jiridik nan zòn ou an k ap ofri sèvis yo gratis si ou respekte sèten kondisyon. Militè yo dwe konsilte biwo JAG ki pi pre yo a . 

    Mesaj ki gen Kontni Limite (Limited-Content Message)

    Dapre Règ Rekouvreman Dèt la, se yon mesaj vokal pou yon konsomatè ki dwe gen sèten enfòmasyon obligatwa e ki gen dwa gen lòt kontni ki pa obligatwa.

    Li plis (ann anglè) 

    Premye kreyansye a (Original creditor)

    An jeneral, premye kreyansye a se konpayi ki te ba ou prè a oswa kredi an. Yon premye kreyansye gen dwa eseye kolekte yon kont kredi ki pa peye li menm, oswa li gen dwa anboche yon pèseptè dèt. Premye kreyansye a gen dwa vann yon pèseptè dèt kont kredi w lan. Yon pèseptè dèt se jeneralman yon tyès pati yo anboche espesyalman pou kolekte sou kont ou, oswa yon moun ki achte li nan men premye kreyansye a oswa yon lòt pèseptè dèt oswa achtè dèt. 

    Delè pou rele moun devan lajistis (Statute of limitations)

    Delè pou rele moun devan lajistis la se peryòd limite kreyansye yo oswa pèseptè dèt yo genyen pou entante pwosè pou kolekte yon dèt. Pifò delè pou rele lajistis yo tonbe nan entèval twa a sis ane a, men nan kèk jiridiksyon yo gen dwa pi long. Delè pou rele moun devan lajistis yo gen dwa varye dapre lwa eta a, kalite dèt ou genyen an, oswa lwa eta yo nonmen nan kontra kredi w lan. 

    Nòt Validasyon (Validation Notice)

    Yon pèseptè dèt oblije bay sèten enfòmasyon lè l ap kominike ak yon konsomatè pou premye fwa, oswa touswit apre sa. Lè pèseptè dèt la ba ou enfòmasyon obligatwa sa yo elektwonikman oswa alekri, yo rele sa nòt validasyon

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    Fraud and scams key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè fwòd ak eskwokri

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    Eksplwatasyon finansye granmoun aje (Elder financial exploitation)

    Eksplwatasyon finansye granmoun aje se itilizasyon ilegal oswa move itilizasyon fon, pwopriyete, oswa byen yon granmoun aje. Se konsa yo pi souvan abize granmoun aje, men se sèlman yon ti fraksyon ensidan yo ke yo rapòte.

    Moun ki komèt zak la ka etranje ki vin genyen konfyans granmoun aje yo, men yo ka manm fanmi oswa zanmi tou. Li enpòtan pou konn siyal avètisman yo.

    Li plis (ann anglè).

    Eskwokri sekou nan zafè sezi kay (Foreclosure relief scam)

    Eskwokri sekou nan zafè sezi kay ak modifikasyon prè pou achte kay yo se konplo pou pran lajan ou oswa kay ou—souvan sou fo pwomès y ap delivre ou anba sezi kay la. Moun malonèt yo gen dwa mande lajan davans epi di yo garanti yo kapab fè chanje kondisyon prè pou achte kay ou a. Si ou gen pwoblèm fè peman sou prè pou achte kay, yon ajans konsèy nan zafè lojman ke HUD apwouve kapab montre ou ki opsyon ou genyen gratis.

    Alèt fwòd pou prevansyon (Fraud alert for prevention)

    Yon alèt fwòd se yon bagay ou kapab itilize pou redwi chans pou w viktim vòl idantite kote vòlè a ouvè yon nouvo kont. Li egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan rapò kredi konpayi nan tout peyi a, konpayi an dwe mete lòt yo okouran.

    Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje. Militè yo gen yon lòt opsyon anplis ki disponib pou yo—alèt sèvis aktif, ki bay manm fòs ame yo pwoteksyon pandan yo nan sèvis aktif.

    Li plis (ann anglè).

    Fwòd fidisyè (Fraud by fiduciaries)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete yon lòt moun. Paregzanp, reprezantan ki gen manda ak gadyen ke tribinal nonmen se fidisyè.

    Lè yo nonmen ou kòm fidisyè, ou oblije dapre lalwa pou w jere lajan ak pwopriyete moun lan nan enterè pa li, pa nan enterè pa ou. Lè yon fidisyè depanse lajan an nan pwòp enterè pa li, sa gen dwa fwòd.

    Vòl idantite (Identity theft)

    Vòl idantite se lè yon moun vòlè idantite ou pou komèt fwòd.

    Lè yo vòlè idantite ou sa ta ka vle di yo sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou non ou, nimewo Sekirite Sosyal ou, enfòmasyon kont labank ou, oswa nimewo kat kredi ou. Komisyon Federal Komès la (Federal Trade Commission) ofri enfòmasyon sou prevansyon vòl idantite ak jan pou reyaji lè sa rive.

    Eskwokri twonpè (Imposter scams)

    Moun malonèt twonpè yo ap eseye lolo ou pou w voye lajan nan fè ou konprann yo se yon moun ou konnen oswa fè konfyans tankou yon cherif, yon anplwaye gouvènman lokal, eta, oswa federal, oswa yon òganizasyon byenfezans. Sonje, idantifikasyon nimewo k ap rele a ka fo. Ou ka toujou rele òganizasyon oswa ajans gouvènman an epi mande si moun nan ap travay pou yo anvan ou bay lajan.

    Fwòd pa korespondans (Mail fraud)

    Lèt fwòd pa korespondans yo parèt vre men pwomès yo fo. Yon siyal avètisman ou ka wè souvan se yon lèt k ap mande ou voye lajan oswa enfòmasyon pèsonèl kounye a pou jwenn yon bagay enpòtan lè ou fin voye lajan oswa enfòmasyon yo.

    Pyèj (Phishing)

    Nan pyèj la, yon moun malonèt fè kòm si li se yon biznis oswa yon sèten moun pou twonpe ou pou fè ou bay enfòmasyon pèsonèl ou, tankou modepas, nimewo kat kredi, oswa enfòmasyon kont labank. Yon moun malonèt gen dwa sèvi ak imèl, tèks, oswa sit entènèt ilisit pou vòlè enfòmasyon sa yo nan men ou. Imèl sa yo ka parèt otantik.

    Entèdiksyon aksè nan sekirite kredi pou prevansyon (Security freeze for prevention)

    Yon entèdiksyon aksè nan sekirite kredi anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont ki egzije verifikasyon kredi sou non ou, jiskaske ou leve entèdiksyon an.

    Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou. Sonje yon entèdiksyon pa anpeche vòlè idantite yo pran kontwòl kont ou te deja genyen.

    Li plis (ann anglè).

    Mistifikasyon (Spoofing)

    Mistifikasyon se lè yon moun k ap rele ou degize enfòmasyon ki parèt sou idantifikasyon nimewo k ap rele w la. Sa bay moun k ap rele a kapasite degize oswa “imite” non ak/oswa nimewo ki parèt la pou fè kòm si se yon sèten moun k ap rele apati de yon sèten kote.

    Fil oswa fwòd transfè lajan (Wire or money transfer fraud)

    Gen moun malonèt ki twonpe ou pou fè ou transfere lajan pou yo vòlè ou. Yon egzanp fwòd transfè lajan ki rive souvan se “eskwokri granparan” an. Se lè yon moun malonèt ki fè kòm si li se yon pitit-pitit ou oswa zanmi pitit-pitit ou rele ou epi di ou li nan peyi etranje, oswa nan yon pwoblèm kèlkonk, e li bezwen pou w transfere oswa voye lajan pou li touswit.

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    How to avoid foreclosure (in Haitian Creole)
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    Kijan pou evite yo sezi kay ou

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    Bagay ki pi enpòtan ou ka fè lè ou gen pwoblèm fè peman sou lajan ou te prete pou achte kay ou a se pran kontwòl. Nan pifò kay yo, bagay ki pi mal ou ka fè se pa fè anyen. Pran kontwòl vle di fè kat bagay:

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    1. Fè oswa pran yon apèl pou yo ede ou

    Pran kontwòl nan aksepte apèl nan men konpayi k ap jere peman prè pou achte kay ou a. Sa ki pi bon toujou, rele konpayi an osito w konnen ou pa ka fè peman mansyèl ou a. W ap jwenn nimewo telefòn nan sou bòdwo ou resevwa chak mwa a. Di konpayi k ap jere peman prè pou achte kay ou a poukisa ou pa ka fè peman mansyèl ou a epi mande konpayi an pou li ede ou evite yo sezi kay ou.

    2. Mande èd gratis nan men espesyalis

    Konpayi k ap jere prè pou achte kay ou a gen dwa kapab ede ou si ou vin gen pwoblèm fè peman sou prè w lan. Si ou pa ka jwenn sa ou bezwen an nan men konpayi k ap jere prè pou achte kay ou a, mande èd nan men yon espesyalis ajans konsèy sou lojman ki toupre ou. Konseye yo ka elabore yon plan daksyon sou mezi ou epi ede ou travay ak konpayi prè pou achte kay ou a. Vizite consumerfinance.gov/mortgagehelp oswa rele (800) 569-4287 epi tape kòd postal ou, pou jwenn yon konseye nan zafè lojman HUD apwouve.

    3. Evite eskwokri

    Eskwo yo eseye pwofite de mèt kay ki gen pwoblèm, nan mande yo peye yon pakèt lajan— menm plizyè milye dola—pou fo pwomès ke y ap ede yo. Ou pa ta dwe gen pou peye pèsonn pou ede ou evite yo sezi kay ou. Èd ou bezwen an dwe disponib gratis nan men konpayi k ap jere prè pou achte kay ou a, oswa nan men yon ajans konsèy nan zafè lojman HUD apwouve.

    4. Fè demann pou èd

    Konpayi k ap jere prè pou achte kay ou a dwe kontakte ou, ba ou enfòmasyon kòrèk, epi pale ou de opsyon limitasyon pèt ou gen dwa kalifye pou yo. Limitasyon pèt la se fason konpayi k ap jere prè pou achte kay ou a ka travay avè w pou evite yo sezi kay ou. Si ou voye yon demann konplè bay konpayi k ap jere prè pou achte kay ou a byen bonè, konpayi an oblije di ou ki opsyon ou genyen pou kenbe kay ou, oswa si sa gen plis sans pou w kite lakay ou.

    Konseye nan zafè lojman yo gen anpil eksperyans nan ede moun travay sou evite yo sezi kay yo. Yo ka ede ou nan etap konplike yo pou konprann opsyon ou genyen yo epi pou fè demann pou èd.

    Konpayi k ap jere prè pou achte kay ou a pa ka ni voye premye avi ni mande sezi kay ou toutotan ou pa gen plis pase 120 jou reta nan peman ou yo. Anplis de sa, lè ou soumèt yon demann konplè èd pou prè pou achte kay byen bonè, konpayi k ap jere prè pou achte kay la pa ka kòmanse pwosesis sezi kay la pandan y ap evalye ou oswa si w ap respekte kondisyon yon modifikasyon prè. Donk fè sa sa san pèdi tan. Plis ou ranpli demann nan bonè, plis w ap jwenn pwoteksyon.

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    Kijan pou rekonèt yon eskwokri nan zafè sezi kay

    Eskwo nan zafè sezi kay yo gen dwa di ou y ap sove ou anba sezi kay, alòske se lajan ou y ap annik pran.

    Fè atansyon ak siyal eskwokri sa yo:

    • Yo mande ou peye alavans pou yo ede ou.
    • Konpayi an garanti l ap fè chanje kondisyon prè pou achte kay ou a.
    • Konpayi an garanti ou p ap pèdi kay ou.
    • Yo mande ou siyen tit kay ou a ba yo oswa pou w siyen lòt dokiman ou pa konprann.
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    • Yo di ou sispann peye prè pou achte kay ou a.
    • Konpayi an di li afilye ak gouvènman an, oswa li sèvi ak yon logo ki sanble so gouvènman men ki yon ti jan diferan.
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    Mortgage key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè prè pou achte kay

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    Prè ipotekè ak to varyab 5/1 (5/1 Adjustable Rate Mortgage)

    Yon prè ipotekè ak to varyab (ARM) 5/1 oswa ARM 5 ane se yon prè pou achte kay kote “5” se kantite ane to enterè inisyal ou a ap rete fiks. “1” an reprezante chak konbyen tan to enterè w lan ap ajiste lè peryòd senk ane inisyal la fini. Peryòd fiks yo itilize pi souvan yo se 3, 5, 7, ak 10 ane epi “1”, se peryòd ajisteman yo itilize pi souvan an. Li enpòtan pou w byen li kontra a epi poze kesyon si w ap reflechi sou pran yon ARM.

    Jwenn plis enfòmasyon sou kijan to varyab yo chanje. 



    Règ sou kapasite pou repeye (Ability-to-repay rule)

    Règ sou kapasite pou repeye se detèminasyon rezonab ak an bònfwa ke ou kapab remèt prè a ke pifò etablisman prè imobilye yo oblije fè.

    Li plis (ann anglè) 



    Prè Ipotekè ak To Varyab (ARM) (Adjustable Rate Mortgage (ARM))

    Yon prè ipotekè ak to varyab (ARM) se yon kalite prè kote to enterè a ka chanje, nòmalman an relasyon ak yon to enterè endekse. Peman mansyèl ou a ap monte oswa bese yon fason ki depann de peryòd preliminè prè a, de plafon yo pou to a, ak de to enterè endekse a. Avèk yon ARM, to enterè a ak peman mansyèl la gen dwa kòmanse pi ba pase avèk yon prè ipotekè ak to fiks, men ni to enterè a ni peman mansyèl la ka ogmante anpil.

    Jwenn plis enfòmasyon sou kijan ARM yo mache ak sa pou w konsidere. 



    Amòtisman (Amortization)

    Amòtisman vle di fin peye yon prè avèk letan gras a peman regilye, pou montan ou dwe a ka bese avèk chak peman. Pifò prè pou kay yo amòti, men gen prè ipotekè ki pa fin amòti nèt, sa ki vle di ou toujou dwe lajan lè ou fin fè tout peman ou yo.

    Gen prè pou kay ki pèmèt peman ki kouvri sèlman montan enterè ou dwe a, oswa yon montan ki pi ba pase enterè ou dwe a. Si peman yo pi ba pase montan enterè ou dwe a chak mwa, balans prè ipotekè a ap ogmante olye pou li bese. Sa rele amòtisman negatif. Lòt pwogram prè ki pa fin amòti nèt pandan prè a gen dwa egzije ou peye kalanmplanm yon gwo dènye montan pi wo nan finisman peryòd prè a. Ou dwe konnen ki kalite prè w ap resevwa.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Montan ki finanse a (Amount financed)

    Sa vle di montan lajan pretè a ap prete w la, mwens frè davans pretè a ap fè ou peye yo.

    Li plis (ann anglè) 



    Revni pa ane (Annual income)

    Revni pa ane a se yon faktè nan demann prè pou achte kay e li jeneralman vle di revni total ou fè anvan taks pandan yon ane. Revni pa ane a gen dwa gen ladan revni ki soti nan travay a plentan oswa a tan pasyèl, nan travay pou tèt ou, nan poubwa, nan komisyon, nan ovètaym, nan boni, oswa nan lòt sous. Pretè a ap sèvi ak enfòmasyon sou revni pa ane ou epi ak dèt ou deja genyen pou peye chak mwa yo pou detèmine si ou gen kapasite remèt prè a.

    Èske wi ou non yon pretè ap konte sou yon sous oswa montan revni an patikilye lè l ap konsidere ou pou yon prè ap souvan depann de si wi ou non ou ka avèk rezon atann ou aske revni an kontinye.

    Jwenn plis enfòmasyon sou rezon ki fè kapasite ou pou remèt lajan an enpòtan pou pretè yo. 



    To enterè anyèl (APR) la (Annual Percentage Rate (APR))

    To enterè anyèl (APR) la se yon mezi pi jeneral depans ou fè pou yo prete ou lajan pase to enterè a. APR la reflete to enterè a, tout pwen, frè koutye prè pou achte kay, ak lòt frè ou peye pou yo ba ou prè a. Poutèt sa, APR ou a nòmalman pi wo pase to enterè w lan.

    Aprann kijan pou konpare APR yo 



    Frè evalyasyon (Appraisal fee)

    Frè evalyasyon an se pri evalyasyon yon kay ou gen lentansyon achte oswa ki deja pou ou. Evalyasyon yon kay bay yon estimasyon endepandan valè pwopriyete a. Nan pifò ka yo, se pretè w lan k ap responsab chwazi evalyatè a ak tout depans pou sa yo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Peman otomatik (Automatic payment)

    Peman otomatiik yo kite ou tabli peman regilye sou prè pou achte kay ou a nan bank ou. Peman otomatik yo ka yon fason fasil pou sèten ou fè peman ou yo alè. 



    Finansman balon (Balloon loan)

    Pou prè pou achte kay, yon finansman balon vle di prè a gen yon peman pi wo pase lòt yo w ap fè yon sèl fwa, nòmalman lè echeyans prè a rive. Peman sa a w ap fè yon sèl fwa a rele “peman balon”, e li pi wo pase lòt peman ou yo, pafwa pi wo lontan. Si ou pa ka peye montan balon an, ou gen dwa oblije refinanse, vann kay ou a, oswa fè fas a sezi.

    Jwenn enfòmasyon sou rezon ki fè finansman balon yo ta ka gen risk ladan yo. 



    Peman chak de (2) semèn (Bi-weekly payment)

    Nan yon plan peman chak de (2) semèn, konpayi k ap jere peman prè pou achte kay la ap kolekte mwatye peman mansyèl ou a chak de (2) semèn, sa k ap bay 26 peman pandan ane a (ap gen yon peman mansyèl anplis chak ane). Lè ou fè peman anplis epi fè peman ou yo sèvi pou peye kapital la, ou gen dwa kapab fin peye prè ou a bonè. Anvan ou chwazi yon peman chak de (2) semèn, pa bliye gade kondisyon prè w lan pou konnen si w ap gen pou peye penalite poutèt peman davans si ou fè sa. Verifye pou wè si konpayi k ap jere peman prè w la fè peye frè pou plan peman chak de (2) semèn. Ou gen dwa kapab kapab akonpli menm bi an san frè a si ou fè yon peman mansyèl anplis sou prè pou achte kay ou a chak ane. 



    Dokiman enfòmasyon sou kloti vant (Closing Disclosure)

    Dokiman Enfòmasyon Kloti Vant Kay la se yon fòmilè obligatwa ki gen senk paj ki bay detay final yo sou prè pou achte kay ou chwazi an. Li gen ladan kondisyon prè a, peman mansyèl yo prevwa w ap gen pou fè yo, ak kantite w ap peye nan frè ak lòt depans pou jwenn prè pou achte kay ou a.

    Aprann kijan pou w byen verifye tout detay yo sou prè w lan kòrèk sou dokiman enfòmasyon kloti vant kay la. 



    Prè pou konstriksyon (Construction loan)

    Yon prè pou konstriksyon se nòmalman yon prè akoutèm ki pote fon pou kouvri depans pou bati oswa pou reyabilite yon kay.

    Li plis (ann anglè) 



    Prè òdinè (Conventional loan)

    Yon prè òdinè se yon prè pou achte kay gouvènman an (tankou nan kad pwogram prè Administrasyon Federal Lojman an (Federal Housing Administration), Depatman Afè Ansyen Konbatan an (Department of Veterans Affairs), oswa Depatman Agrikilti an (Department of Agriculture)) pa ni asire ni garanti.

    Jwenn plis enfòmasyon sou prè òdinè ak lòt kalite prè. 



    Kosiyatè oswa ko-anprentè (Co-signer or co-borrower)

    Yon kosiyatè oswa ko-anprentè se yon moun ki dakò pran responsabilite total remèt yon prè pou achte kay avè w. Moun nan gen obligasyon peye tout peman ou rate epi menm montan total prè a si ou pa peye. Gen pwogram prè pou achte kay ki wè kosiyatè a kòm yon moun ki pa sou tit la epi ki pa gen okenn enterè pwopriyetè nan kay ki achte gras a prè a. Lè ou gen yon kosiyatè oswa yon ko-anprentè sou prè pou achte kay ou a sa bay pretè w la asirans anplis ke prè a ap remèt. Men w ap mete dosye kredi ak finans kosiyatè oswa ko-anprentè w la an danje si ou pa remèt prè a.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Istwa krezi (Credit history)

    Istwa kredi se yon dosye sou kont kredi ou yo ak abitid ou nan zafè peye alè jan sa parèt nan rapò kredi ou. Ajans ransèyman sou konsomatè yo, yo rele yo tou konpayi rapò kredi, kolekte epi mete ajou enfòmasyon sou dosye kredi ou epi bay lòt biznis yo, pou biznis sa yo ka sèvi avèk yo pou pran desizyon sou ou. Rapò kredi yo gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo.

    Jwenn plis enfòmasyon sou verifikasyon antesedan ou nan zafè kredi anvan ou achte yon kay. 



    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo. Pretè yo sèvi ak nòt kredi ou ak enfòmasyon ki sou rapò kredi w lan pou detèmine si wi ou non ou kalifye pou yon prè epi ki to enterè pou yo ofri ou.

    Aprann kijan pou w jwenn kopi rapò kredi ou. 



    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Gen diferan modèl pwentaj, donk se pa yon sèl nòt kredi ou genyen. Chak nòt depann de antesedan ou nan zafè kredi, de kalite pwodui prè a, epi menm de jou yo te kalkile li an.

    Aprann ki kote ou ka jwenn nòt kredi ou. 



    Pousantaj andètman (Debt ratio)

    Pousantaj andètman-revni ou se tout peman dèt mansyèl ou yo divize pa revni mansyèl anvan taks ou. Chif sa a se yon fason pou pretè yo mezire kapasite ou pou w jere peman mansyèl yo pou remèt lajan ou gen lentansyon prete a.

    Aprann kijan pou kalkile rapò andètman-revni ou. 



    Tit pwopriyete olye de sezi (Deed-in-lieu of foreclosure)

    Yon tit pwopriyete olye de sezi se yon aranjman kote ou volontèman remèt kay ou bay pretè a pou evite pwosesis sezi an. Yon tit pwopriyete olye de sezi gen dwa ede ou evite vin pèsonèlman responsab montan ki rete sou prè pou achte kay la. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. Yon tit olye de sezi se yon kalite limitasyon pèt. 



    Delenkan (Delinquent)

    Aryere se yon lòt mo pou di ou an reta nan peman w yo. Prè w lan ka vin delenkan lè ou rate yon peman oswa lè ou pa fè tout peman an disi echeyans la. Lè ou fin aryere pandan yon sèten tan, yon pretè oswa yon konpayi k ap jere peman prè gen dwa kòmanse pwosesis sezi kay la. Kantite tan an ka varye dapre eta a.

    Règ federal yo gen dwa aplike tou pou lè sezi kay la gen dwa kòmanse. Jwenn plis enfòmasyon sou opsyon ou genyen yo si ou pa ka peye prè pou achte kay ou a.



    Opsyon peyab imedyatman (Demand feature)

    Dokiman enfòmasyon sou kloti vant gen yon fraz ki di “Prè w la gen yon opsyon peyab imedyatman” ki make “wi” oswa “non”. Yon opsyon peyab imedyatman kite pretè a egzije pou w remèt prè a pi bonè.

    Li plis (ann anglè) 



    Akont (Down payment)

    Akont la se montan ou peye sou kay la davans. Ou peye yon pousantaj nan valè kay la epi ou fè yo prete ou rès la pase pa prè ipotekè w la. Jeneralman, plis akont ou peye a wo, plis to enterè w ap resevwa a ap ba epi plis w ap gen chans pou yo apwouve ou pou yon prè.

    Jwenn plis enfòmasyon sou kijan pou w detèmine akont ou a. 



    Pwogram oswa sibvansyon pou akont (Down payment programs or grants)

    Yon sibvansyon oswa pwogram pou akont nòmalman vle di èd yon òganizasyon tankou gouvènman an oswa yon ajans ki pa gen bi fè lajan, bay yon moun k ap achte kay pou ede li avèk akont pou achte kay la. Fon yo se gen dwa ladan lajan yo fè ou kado oubyen ou gen dwa oblije remèt yo, paregzanp si ou vann kay la.

    Konprann ki kote ou ka jwenn enfòmasyon sou pwogram ak sibvansyon pou akont. 



    Depo garanti (Earnest money)

    Depo garanti an se yon depo yon moun k ap achte kay peye pou montre bònfwa sou yon kontra siyen pou achte kay. Se yon vandè oswa yon tyès pati tankou yon koutye oswa yon konpayi tit ki kenbe depo a. Si vant kay la finalize oswa “klotire”, depo garanti an gen dwa sèvi ou peye depans kloti yo oswa akont la. Si kontra a anile poutèt yon rezon akseptab, y ap remèt achtè a depo garanti an. Si achtè a pa aji an bònfwa, yo gen dwa sezi depo garanti an epi peye vandè a avèk li.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Valè san dèt (Equity)

    Valè san dèt la se montan pwopriyete w la vo kounye a mwens montan tout prè ipotekè ki genyen sou pwopriyete w la.

    Aprann sa yo rele yon prè sou valè san dèt yon kay. 



    Avalwa (Escrow)

    Pretè ipotekè a ap tabli yon kont avalwa pou peye sèten depans ki gen pou wè ak pwopriyete a, tankou taks sou pwopriyete ak asirans mèt kay. Gen yon pòsyon nan peman mansyèl ou a ki prale nan kont la. Si ipotèk ou a pa gen kont avalwa, w ap peye depans ki gen pou wè ak pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou ki konsekans avalwa a genyen sou peman mansyèl prè pou achte kay ou a. 



    Fannie Mae

    Asosyason Federal Nasyonal Prè Ipotekè a (Fannie Mae) achte epi garanti prè ipotekè nan men enstitisyon prè yo pou eseye fè prè yo vin pi bon mache. Fannie Mae se pa yon ajans federal. Se yon antrepriz ke gouvènman an parennen sou administrasyon jidisyè pwovizwa Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Frè pou finansman FHA a (FHA funding fee)

    Administrasyon Lojman Federal la (FHA) egzije yon frè pou finansman FHA ak yon prim asirans mansyèl (MIP) pou pifò nan pwogram pou kay endividyèl li yo. Prim asirans prè ipotekè sa a ke ou peye davans, yo rele li pafwa prim asirans prè ipotekè davans (UFMIP).

    Chèche konnen si yon prè FHA pou achte kay ap bon pou ou. 



    Prè FHA (FHA loan)

    Prè FHA yo se prè nan men pretè prive Administrasyon Lojman Federal la (FHA) kontwole ak asire. Prè FHA yo ka diferan de prè òdinè yo poutèt yo pèmèt nòt kredi pi ba ak akont ki ka desann jiska 3.5 pousan montan prè total la. Montan prè maksimòm yo varye dapre konte a.

    Jwenn enfòmasyon sou opsyon prè pou achte kay sa a ak lòt opsyon yo. 



    Limit prè ipotekè FHA yo (FHA mortgage limits)

    Limit prè ipotekè FHA yo se montan limit an dola yo pou prè pou achte kay ki kalifye yo ke FHA a pral asire nan kad pwogram prè pou achte kay endividyèl li an. Limit sa yo baze sou adrès epi yo gen dwa revize yo chak ane.

    Sèvi ak zouti FHA a pou gade limit prè yo nan konte w la . 



    Chaj finansye (Finance charge)

    Chaj finasye a se montan total enterè ak frè kredi ou t ap peye pandan tout dire prè pou achte kay la nèt.

    Li plis (ann anglè) 



    Pwogram prè pou moun k ap achte kay pou premye fwa (FTHB) (First-time home buyers (FTHB) loan programs)

    Moun k ap achte kay pou premye fwa (FTHB) gen dwa sèvi ak yon kantite diferan kalite pwogram prè pou achte premye kay yo a. Pami pwogram prè FTHB popilè yo gen pwogram FHA, VA, USDA, Fannie Mae, ak Freddie Mac ofri yo avèk akont ba. Gen pwogram ki defini yon FTHB kòm yon moun ki pa achte kay depi omwen twa ane.

    Konprann opsyon prè ou genyen yo. 



    Prè ipotekè ak to fiks (Fixed-rate mortgage)

    Yon prè ipotekè ak to fiks se yon kalite prè pou achte kay kote to enterè a fikse lè ou pran prè a e li p ap chanje pandan dire prè a.

    Jwenn plis enfòmasyon sou kijan prè ipotekè ak to fiks yo mache ak sou sa pou w konsidere. 



    Delè gras (Forbearance)

    Delè gras la se lè konpayi k ap jere prè pou achte kay ou a kite ou pwovizwaman peye prè w la a yon to pi ba oswa pwovizwaman sispann peye prè pou achte kay ou a. Konpayi k ap jere prè pou achte kay ou a gen dwa akòde ou delè gras si, pa egzanp, ou fèk pèdi djòb ou, ou viktim yon dezas, oswa ou soufri yon maladi oswa yon donmaj nan kò ou ki ogmante depans pou swen medikal ou. Delè gras la se yon kalite limitasyon pèt.

    Jwenn plis enfòmasyon sou delè gras pou peye prè pou achte kay

    Dapre kalite prè ou genyen an, gen dwa gen diferan opsyon delè gras. Ou dwe kontakte konpayi k ap jere prè pou achte kay ou a pou mande delè gras. Sonje w ap gen pou ratrape peman sa yo ou rate yo oswa peman redui sa yo lè peryòd delè gras ou a fini.



    Asirans pwoteksyon kolateral (Force-placed insurance)

    Konpayi k ap jere prè pou achte kay ou a gen dwa egzije pou w pran asirans pwoteksyon kolateral lè ou pa gen pwòp polis asirans pa ou oswa si pwòp polis pa w la pa respekte egzijans konpayi k ap jere prè w la. Asirans pwoteksyon kolateral nòmalman pwoteje pretè a sèlman, li pa pwoteje ou oumenm. Konpayi k ap jere prè pou achte kay la ap fè ou peye pou asirans la. Asirans pretè a nòmalman pi chè pase lè ou jwenn yon polis asirans poukont ou. 



    Sezi kay (Foreclosure)

    Sezi kay se lè pretè oswa konpayi k ap jere prè pou achte kay la repran pwopriyete a lè mèt kay la pa fè peman sou prè ipotekè a. Nan sèten eta, pretè a dwe al nan tribinal pou sezi pwopriyete w la (sezi jidisyè), men gen lòt eta ki pa egzije pwosesis nan tribinal (sezi non-jidisyè). Jeneralman, moun ki te pran prè a dwe resevwa avètisman si pretè a oswa konpayi k ap jere prè a kòmanse pwosedi sezi kay. Règ federal yo gen dwa aplike pou lè sezi kay la gen dwa kòmanse. Si w ap trakase poutèt sezi kay, jwenn enfòmasyon sou kijan pou jwenn èd. 



    Freddie Mac

    Kòporasyon Federal Prè pou Achte Kay la (Freddie Mac) se yon kòporasyon prive ki jwenn finansman nan men Kongrè a. Misyon li se favorize estabilite ak kapasite peye nan mache lojman an gras a acha prè ipotekè nan men bank yo ak lòt pretè. Kòporasyon an sou administrasyon jidisyè pwovizwa kounye a, sou direksyon Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Estimasyon an Bònfwa (Good Faith Estimate)

    Yon Estimasyon an Bònfwa (GFE) se yon fòmilè yon pretè dwe ba ou lè w ap mande yon prè ipotekè envèse. GFE a bay enfòmasyon debaz sou kondisyon òf prè ipotekè envèse a.

    Chèche konnen ki lè ou t ap resevwa yon Estimasyon an Bònfwa. 



    Frè enskripsyon nan rejis gouvènman (Government recording charges)

    Frè enskripsyon nan rejis gouvènman yo se frè ajans gouvènman eta ak lokal yo fè peye pou legalman anrejistre tit ou a, prè ipotekè w lan ak dokiman ki gen pou wè ak prè pou achte kay ou a.

    Li plis (ann anglè) 



    Prè ipotekè pi chè (Higher-priced mortgage loan)

    An jeneral, yon prè ipotekè pi chè se youn ki gen yon to enterè ànyèl, oswa APR, pi wo pase yon to referans ki rele To Òf Preferansyèl Mwayen.

    Li plis (ann anglè) 



    Frè HOA (HOA dues)

    Si w enterese nan achte yon kondominyòm, yon koperativ abitasyon, oswa yon kay nan yon lotisman iben oswa nan yon lòt kominote òganize ki gen sèvis pataje, ou nòmalman gen pou peye frè kondominyòm oswa frè Asosyasyon Mèt Kay (HOA). Frè sa yo varye anpil. W ap nòmalman peye frè kondominyòm oswa HOA yo separeman de peman prè pou achte kay ou a. Si ou pa peye frè sa yo, ou gen dwa fè fas a efò rekouvreman dèt nan men asosyasyon mèt kay la oswa menm a sezi kay.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Evalyasyon kay (Home appraisal)

    Yon evalyasyon se yon dokiman ekri ki montre yon opinyon sou valè yon pwopriyete. Evalyasyon an ba ou enfòmasyon itil sou pwopriyete a. Li dekri sa ki ba li valè e li gen dwa konpare li ak lòt pwopriyete ki nan katye a. Yon evalyasyon se yon estimasyon endepandan valè pwopriyete a.

    Jwenn plis enfòmasyon sou rezon ki fè evalyasyon yo enpòtan. 



    Liy valè kredi kay (HELOC) (Home equity line of credit (HELOC))

    Yon liy valè kredi kkay (HELOC) se yon liy kredi ki kite ou mande prete avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. Kontrèman a yon prè sou valè san dèt yon kay, HELOC yo nòmalman gen to enterè varyab. Pou pifò HELOC yo, w ap resevwa chèk espesyal oswa yon kat kredi, epi yo ka prete ou lajan pou yon tan presi apati de lè ou ouvè kont ou a. Peryòd sa a rele “peryòd tiray” la. Pandan “peryòd tiray” la, yo ka prete ou lajan, epi ou dwe fè peman minimòm yo. Lè “peryòd tiray” la fini, yo p ap prete ou lajan nan liy kredi w lan ankò. Lè “peryòd tiray” la fini ou gen dwa oblije fin peye tout balans ou an yon sèl kou oswa yo gen dwa kite ou remèt li sou yon sèten peryòd. Si ou pa kapab remèt HELOC la, pretè a ta ka sezi kay ou a. 



    Prè sou valè san dèt yon kay (Home equity loan)

    Yon prè sou valè san dèt yon kay (yo rele li pafwa yon HEL) kite ou mande prete lajan avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. W ap resevwa tout lajan prè sou valè san dèt kay la yon sèl kou. Yon prè sou valè san dèt yon kay nòmalman gen yon to enterè fiks – to a p ap chanje. Si ou pa kapab remèt HEL la, pretè a ta ka sezi kay ou a. 



    Enspeksyon kay (Home inspection)

    Enspeksyon yon kay souvan fè pati pwosesis achte kay la. Ou nòmalman gen dwa anboche yon enspektè kay pou li egzaminen yon pwopriyete epi montre pwen fò ak feblès li yo. Li souvan itil anpil pou teste sistèm estriktirèl ak mekanik yon kay, sa gen ladan chofaj, ayerasyon, è kondisyone, ak kouran elektrik.

    Aprann kijan pou planifye yon enspeksyon. 



    Asosyasyon pwopriyetè kay (HOA) (Homeowners’ Association (HOA))

    Yon asosyasyon mèt kay (HOA), nòmalman fòme pou jere depans tout mèt kay yo patisipe ladan yo tankou amenajman peyizaj ak lòt depans antretyen pou yon lotisman iben oswa yon lòt kominote òganize. HOA kondominyòm yo pran plis reponsabilite, sa gen ladan, pa egzanp, antretyen ale pou oto yo, estriktiti kominotè yo, ak twati yo.

    Jwenn plis enfòmasyon sou kijan HOA yo gen dwa parèt sou relve kont prè ipotekè w lan. 



    Asirans pwopriyetè kay (Homeowner's insurance)

    Asirans pwopriyetè kay la peye pou pèt ak dega nan pwopriyete w la si gen yon bagay enprevi ki rive, tankou dife oswa si vòlè kase kay la. Lè ou gen yon prè pou achte kay, pretè w la vle sèten pwopriyete w la gen pwoteksyon asirans. Se poutèt sa pretè yo jeneralman egzije prèv ou gen asirans mèt kay. Asirans mèt kay la se pa menm bagay ak asirans prè ipotekè a.
    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Pri dacha kay (Home purchase price)

    Pri dacha yon kay se montan achtè a ak vandè a mete yo dakò sou li an pou yo peye vandè a pou acha kay la.

    Jwenn plis enfòmasyon sou kijan pou jwenn kay ki bon pou ou a. 



    HUD

    Depatman Lojman ak Devlopman Iben an (HUD) se yon ajans gouvènman ki ede moun jwenn ak kenbe lojman bon mache ak bon kalite. Yo fòme ak parennen konseye nan zafè lojman toupatou nan peyi an. Yon ajans konsèy ki gen apwobasyon HUD ka ba ou konsèy sou acha kay pou ede ou konprann ak evalye opsyon ou genyen yo.

    Jwenn yon ajans konsèy ki gen apwobasyon HUD. 



    Relve règleman HUD-1 an (HUD-1 settlement statement)

    Relve Règleman HUD-1 an bay lis tout frè ak kredi pou achtè a ak vandè a nan yon règleman tranzaksyon imobilye, oswa tout frè ki nan yon refinansman prè ipotekè. W ap resevwa yon HUD-1 si ou te mande yon prè ipotekè envèse pou pi ta nan dat 3 oktòb 2015.

    Chèche konnen ki lè ou t ap resevwa yon HUD-1. 



    Endèks (Index)

    Endèks la se yon to enterè referans ki reflete kondisyon jeneral yo nan mache a. Endèks la chanje baze sou mache a. Chanjman nan endèks la, ansanm ak maj prè w lan, detèmine chanjman k ap genyen nan to enterè a pou yon prè ipotekè ak to varyab.

    Konprann ki wòl endèks la jwe nan to enterè a pou yon prè ipotekè ak to varyab. 



    Plafon ajisteman inisyal (Initial adjustment cap)

    Yon plafon ajisteman inisyal nòmalman asosye ak prè ipotekè ak to varyab (ARM). Plafon sa a detèmine a ki pwen to enterè a ka ogmante premye fwa li ajiste a lè peryòd to fiks la ekspire. Sa rive souvan pou plafon sa a swa de (2) swa senk pousan – sa ki vle di nan moman premye chanjman to a, nouvo to a pa ka pi wo ke de (2) (oswa senk) pwen pousantaj pase to inisyal ki te la pandan peryòd to fiks la.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Depo avalwa inisyal (Initial escrow deposit)

    Yon depo avalwa inisyal se montan ou pral peye nan moman kloti an pou kòmanse kont avalwa w lan, si pretè w la egzije li.

    Li plis (ann anglè) 



    Prè ipotekè ki pa amòti (Interest-only loan)

    Yon prè ipotekè ki pa amòti se yon prè ki gen peman planifye ki egzije pou w peye enterè a sèlman pandan yon sèten peryòd.

    Li plis (ann anglè) 



    To enterè (Interest rate)

    To enterè yon prè pou achte kay se pri ou pral peye chak ane a pou jwenn prete lajan an, ki eksprime sou fòm pousantaj. Li pa reflete ni frè ni lòt chaj ou gen dwa gen pou peye pou prè a. Pa egzanp, si prè pou achte kay la se pou $100,000 avèk yon to enterè 4 pousan, konsomatè sa a dakò peye $4,000 chak ane li jwenn prete oswa dwe montan total sa a.

    Gade to enterè yo nan zòn ou. 



    Plafon to enterè (Interest rate cap)

    Yon plafon to enterè, pafwa yo rele li yon plafon ànyèl, se ogmantasyon maksimòm ki ka genyen sou to enterè a chak ane pou yon prè ipotekè ak to varyab (ARM) menm si to a t ap ogmante plis dapre to enterè mache a. Paregzanp, si plafon sa a se de (2) pousan, nouvo to a pa ka plis pase de (2) pwen pousantaj pi wo pase ansyen to a.

    Konprann kijan pretè yo sèvi ak endèks la ak maj la pou ajiste to enterè w lan. 



    Gwo prè (Jumbo loan)

    Chak ane Fannie Mae, Freddie Mac, ak regilatè yo a, Ajans Federal pou Finansman Lojman an (FHFA), fikse yon montan maksimòm pou prè yo pral achte nan men pretè yo.

    Li plis (ann anglè) 



    Asirans tit pou pretè (Lenders title insurance)

    Asirans tit pou pretè a pwoteje pretè w la kont pwoblèm avèk tit pwopriyete w la-tankou yon moun ki gen dwa legal sou kay la. Se pretè a sèlman asirans tit pou pretè a pwoteje kont pwoblèm avèk tit la. Pou pwoteje tèt ou, li t a bon pou w achte asirans tit pou mèt kay.

    Li plis (ann anglè) 



    Plafon ajisteman pou dire prè a (Lifetime adjustment cap)

    Plafon ajisteman pou dire prè a nòmalman sèvi avèk prè ipotekè ak to varyab (ARM). Plafon sa a detèmine ki kantite to enterè a ka ogmante ototal, pandan dire prè a. Paregzanp, si plafon sa a se senk pousan, sa vle di to a pa ka janm senk pwen pousantaj pi wo pase to inisyal la. Gen pretè ki gen dwa gen yon lòt plafon oswa yon plafon pi wo.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Priz an chaj prè ipotekè (Loan assumption)

    Gen priz an chaj prè ipotekè lè yon achtè pran larelèv prè pou achte kay yon vandè lè li achte kay vandè a. Achtè a pran balans ki rete nan prè a pou achte kay vandè a, sou kondisyon prè orijinal la—pa egzanp, to enterè ak dire ki rete sou prè pou achte kay la. Yon priz an chaj prè ipotekè gen dwa gen sans lè y ap ofri nouvo prè pou achte kay ak to enterè pi wo pase lè vandè a te pran premye prè pou achte kay li an.

    Diferans la ant pri lavant kay la ak balans la sou prè yo pran an chaj la egal montan achtè a dwe peye a, keseswa ak lajan nan pòch li oswa nan pran pwòp prè pou achte kay pa li.

    Pou pran larelèv prè pou achte kay la, moun k ap achte kay la dwe kalifye pou priz an chaj prè ipotekè la. Kalifikasyon an nòmalman baze sou egzamen kredi ak revni achtè a, menm jan ak kalifikasyon pou yon nouvo prè pou achte kay.

    Priz an chaj prè ipotekè la ka aplike tou lè ou resevwa tit yon pwopriyete ki gen prè pou achte kay sou li – pa egzanp, apre yon lanmò oswa yon divòs.




    Ranvwa prè (Loan deferment)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Estimasyon prè (Loan estimate)

    Yon Estimasyon Prè se yon fòmilè twa paj w ap resevwa lè ou fin mande yon prè pou achte kay.

    Li plis (ann anglè) 



    Modifikasyon prè (Loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt. Yon modifikasyon ka redui peman mansyèl ou a rive a yon montan ou ka peye. Nan modifikasyon yo gen dwa gen pwolongasyon kantite ane ou genyen yo pou remèt prè a, rediksyon to enterè w lan, ak/aswa delè gras oswa rediksyon balans kapital ou a. Si yo ofri ou yon modifikasyon prè, ou dwe konnen kijan l ap chanje peman mansyèl ou yo ak montan total w ap dwe a akoutèm epi alontèm.

    Jwenn plis enfòmasyon sou modifikasyon prè pou achte kay



    Pousantaj valè-prè (Loan-to-value ratio)

    Pousantaj valè-prè LTV) se yon mezi ki konpare montan prè pou achte kay ou a ak valè yo evalye pwopriyete a genyen. Plis akont ou a wo, plis LTV w lan ba. Pretè prè pou achte kay yo gen dwa sèvi ak LTV an lè y ap deside si wi ou non y ap prete ou epi lè y ap detèmine si y ap egzije asirans prè ipotekè prive.

    Aprann ki relasyon ki genyen ant rapò prè-valè w la ak depans ou yo. 



    Limitasyon pèt (Loss mitigation)

    Limitasyon pèt se mezi konpayi k ap jere peman prè pou achte kay la pran pou travay avèk yon moun yo te bay yon prè ipotekè pou evite yo sezi kay la. Limitasyon pèt la se responsabilite yon konpayi k ap jere peman pou achte kay pou li redui oswa “limite” pèt la pou envestisè a, sa ki ka rive poutèt yo sezi kay la. Gen sèten opsyon limitasyon pèt ki gen dwa ede ou rete nan kay ou. Gen lòt opsyon ki gen dwa ede ou kite kay ou san ou pa pase pa sezi. Pami opsyon limitasyon pèt yo gen tit olye de sezi, delè gras, plan ranbousman, lavant ak pèt, oswa yon modifikasyon prè.

    Si ou gen pwoblèm fè peman yo pou prè pou achte kay ou a, oswa si yo ofri ou diferan opsyon limitasyon pèt epi w ap reflechi sou yo, kontakte yon ajans konsèy sou zafè lojman ke Depatman Lojman ak Devlopman Iben an (HUD) apwouve.

    Ou ka sèvi ak zouti CFPB a “Find a Counselor” (Jwenn yon Konseye) pou jwenn yon lis ajans konsèy nan zafè lojman nan zòn ou ki gen apwobasyon HUD. Ou ka rele Liy asistans pa telefòn HOPE™ la tou, ki ouvè 24 sou 24, sèt jou sou sèt, nan (888) 995-HOPE (4673).



    Maj (Margin)

    Maj la se kantite pwen pousantaj pretè ipotekè a ajoute sou endèks la pou tabli to enterè w lan sou yon prè ipotekè ak to varyab (ARM) lè peryòd to inisyal la fini. Maj la tabli nan kontra prè w la epi li p ap chanje apre kloti an. Montan maj la depann de pretè ak prè patikilye a.

    Konprann ki wòl maj la jwe nan yon prè ipotekè ak to varyab. 



    Depans mansyèl (Monthly expenses)

    Se kantite ou depanse chak mwa. Li kapab gen ladan, pami lòt bagay, obligasyon regilye tankou lwaye oswa peman prè pou achte achte, sèvis piblik, peman machin, peman soutnans pou timoun, ak peman asirans, epitou bagay esansyèl tankou manje. Pifò nan obligasyon sa yo gen yon dat echeyans fiks.

    Evalye depans mansyèl ou avèk zouti pou suiv depans sa a. 



    Ipotèk (Mortgage)

    Yon ipotèk se yon akò ant oumenm ak yon pretè ki kite ou jwenn lajan prete pou achte oswa refinanse yon kay epi ki bay pretè a dwa pou li pran pwopriyete w lan si ou pa remèt lajan ou jwenn prete a.

    Si ou pare pou pran yon prè pou achte kay, jwenn plis enfòmasyon sou zafè achte kay la. 



    Lis kontwòl pou kloti sou ipotèk (Mortgage closing checklist)

    Yon lis kontwòl kloti prè pou achte kay se yon lis etap ou ka itilize pou pare epi aprann sa pou w atann. Li ka ede ou idantifye kesyon pi enpòtan pou poze davans yo pou w kapab klotire avèk konfyans.

    Sèvi ak fèy travay sa a pou pare pou kloti an. 



    Frè kloti sou ipotèk (Mortgage closing costs)

    Frè kloti sou ipotèk se tout frè ou pral peye yo nan kloti an. Sa gen ladan komisyon sou prè a, frè evalyasyon, depans rapò kredi, frè asirans tit, ak tout lòt frè pretè w la egzije oswa ki pou peye nan kad yon tranzaksyon prè imobilye. Pretè yo oblije ba ou rezime depans sa yo nan Estimasyon Prè a.

    Jwenn plis enfòmasyon sou sa ki fèt nan kloti an. 



    Asirans ipotèk (Mortgage insurance)

    Asirans ipotèk la pwoteje pretè a si ou vin an reta nan peman ou yo. Yo nòmalman egzije asirans ipotèk si akont ou an mwens pase 20 pousan valè pwopriyete a. Asirans ipotèk la nòmalman obligatwa tou sou prè FHA ak USDA. Men, si ou gen yon prè òdinè epi akont ou a mwens pase 20 pousan, gen anpil chans pou w gen asirans prè ipotekè prive (PMI).

    Konprann kijan asirans prè ipotekè a mache 



    Modifikasyon prè pou achte kay (Mortgage loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt.

    Li plis (ann anglè) 



    Refinansman ipotèk (Mortgage refinance)

    Refinansman prè pou achte kay la se lè ou pran yon lòt prè pou fin peye ansyen prè ou an nèt epi ranplase li. Rezon ki souvan lakòz refinansman se pou bese to enterè mansyèl la, pou bese peman prè pou achte kay la, oswa pou jwenn prete plis lajan. Lè ou refinanse, ou nòmalman gen pou peye frè ak depans kloti. Si ou refinanse epi ou jwenn yon peman mansyèl ki pi ba, ou dwe konprann ki kantite nan rediksyon an ki soti nan yon to enterè pi ba ak ki kantite ki se poutèt dire prè w la pi long.


    Dire ipotèk la (Mortgage term)

    Dire prè pou achte kay ou a se kantite tan ou genyen pou w remèt prè a. Pou pifò kalite kay yo, dire prè yo se nòmalman 15, 20 oswa 30 ane.

    Eksplore ki opsyon ki genyen pou dire prè. 



    Komisyon sou prè (Origination Fee)

    Yon komisyon sou prè se sa pretè a fè moun ki jwenn prè a peye pou li fè prè pou achte kay la. Komisyon sou prè a gen dwa gen ladan travay sou demann nan, emisyon ak finansman prè a, ak lòt sèvis administratif. Komisyon sou prè yo jeneralman ka ogmante nan sèten sikonstans sèlman.

    Jwenn plis enfòmasyon sou pri montaj dosye prè a. 



    Asirans tit pwopriyetè (Owner's title insurance)

    Asirans tit pwopriyetè ofri pwoteksyon pou mèt kay la si yon moun asiyen li epi di li gen dwa sou kay la depi anvan mèt kay la te achte li.

    Li plis (ann anglè) 



    Finansman pace (konpetitif) (Pace financing)

    Finansman PACE (Konpetitif) la ofri yon fason pou finanse amelyorasyon nan kay pou efikasite enèjetik.

    Li plis (ann anglè) 


    Reklamasyon pasyèl (Partial claim)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Ranbousman montan toatal sou ipotèk (Payoff amount)

    Ranbousman montan total sou ipotekè w la se kantite w ap gen pou peye toutbon pou satisfè kondisyon prè pou achte kay ou a epi fin peye dèt ou a nèt. Ranbousman montan total sou ipotèk w la diferan de balans ou genyen kounye a. Balans ou genyen kounye a gen dwa pa reflete kantite ou gen pou peye toutbon an pou fin satisfè prè a nèt. Ranbousman montan total sou ipotèk w la gen ladan tou peman tout enterè ou dwe jiska jou ou gen lentansyon fin peye prè w la nèt lan. Ranbousman montan total sou ipotèk gen dwa gen ladan tou lòt frè ou genyen epi ke ou poko peye. 



    Lòd PCS (PCS orders)

    Militè ki nan sèvis aktif yo gen dwa resevwa lòd chanjman pòs pèmanan (PCS). Lòd PCS yo se deplasman ofisyèl yon militè (ak tout manm fanmi ki rete avèk li) pou ale nan yon lòt lye sèvis. Si militè a se mèt yon kay, li gen dwa chwazi vann li. Si militè a dwe plis sou kay la pase sa kay la vo, li gen dwa gen difikilte vann kay li an. Gen konpayi k ap jere peman prè ki ofri pwogram pou kite militè yo vann kay yo san yo pa gen pou remèt rès balans prè a. Ale sou resous pou militè pou plis enfòmasyon. 



    PITI

    Kapital, Enterè, Taks, ak Asirans, yo rele yo PITI, se kat eleman debaz yon peman mansyèl sou prè pou achte kay la.

    Li plis (ann anglè) 



    PMI

    Asirans Ipotèk Prive a (PMI) se yon kalite asirans ipotèk ki bon pou pretè w la. Ou gen dwa oblije peye pou PMI si akont ou a mwens pase 20 pousan valè pwopriyete a epi ou gen yon prè òdinè. Ou gen dwa kapab anile PMI an lè ou fin akimile yon sèten kantite valè san dèt sou kay ou a.

    Konprann pi byen ki lè PMI an obligatwa 



    Frè enterè peye davans (Prepaid interest charges)

    Frè enterè peye davans yo se frè ou gen pou peye nan kloti an pou tout enterè jounalye ki akimile sou prè w lan ant dat ou klotire prè pou achte kay ou a ak peryòd ke premye peman mansyèl sou prè pou achte kay ou a kouvri an.

    Li plis (ann anglè) 



    Penalite sou peman davans (Prepayment penalty)

    Yon penalite poutèt peman davans se yon frè sèten pretè fè peye si ou fin peye nèt tout prè pou achte kay ou a oswa yon pati ladan bonè. Si ou gen yon penalite poutèt peman davans, ou te dakò avèk li lè ou te klotire sou kay ou a. Se pa tout prè pou achte kay ki gen penalite poutèt peman davans. 



    Kapital (Principal)

    Kapital la se montan prè pou achte kay ou gen pou remèt la. Peman mansyèl ou a gen ladan yon pòsyon nan kapital sa a. Lè gen yon peman ki fèt sou kapital la, moun ki jwenn prete lajan an dwe mwens, epi l ap peye mwens enterè baze sou yon gwosè prè pi piti.

    Konprann diferans la ant to enterè a ak kapital la. 



    Taks sou pwopriyete (Property taxes)

    Taks sou pwopriyete se taks jiridiksyon lokal yo fè peye, nòmalman nan nivo konte a, baze sou valè pwopriyete y ap takse a. Souvan, yo kolekte taks sou pwopriyete yo nan peman mansyèl prè pou achte kay ke mèt kay la fè a, epi apre sa yo peye li bay jiridiksyon ki konsène a omwen yon fwa pa ane. Sa rele yon kont avalwa. Si prè a pa gen kont avalwa, alòs mèt kay la ap peye taks sou pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Ipotèk kalifye (Qualified mortgage)

    Yon Ipotè Kalifye se yon kategori prè ki gen sèten karakteristik pi estab k ap ede fè sa pi fasil pou w kapab peye prè w lan.

    Li plis (ann anglè) 



    Demann ekri kalifye (QWR) (Qualified Written Request (QWR))

    Yon demann kri kalifye, oswa QWR, se korespondans ekri oumenm oswa yon moun k ap aji nan non ou ka voye pou konpayi k ap jere peman prè pou achte kay ou a. Nan plas yon QWR, ou ka voye yon Avi Erè oswa yon Demann Enfòmasyon pou konpayi k ap jere peman prè pou achte kay ou a tou.

    Li plis (ann anglè) 



    Plan ranbousman (Repayment plan)

    Yon plan ranbousman se yon fason estriktire pou ratrape peman prè pou achte kay ou rate yo sou yon sèten peryòd. Se yon kalite limitasyon pèt. Si ou gen pwoblèm fè peman w yo sou prè pou achte kay ou a, pretè w la oswa konpayi k ap jere peman prè pou achte kay ou a gen dwa kite ou antre nan yon plan ranbousman. Anvan ou antre nan yon plan ranbousman, ou dwe konprann egzijans plan an ak èske wi ou non w ap kapab fè nouvo peman yo. 



    Dwa rezilyasyon Reverse mortgage)

    Yon ipotèk envèse kite mèt kay ki gen 62 zan pou pi piti jwenn lajan prete sou valè san dèt kay yo a. Sa rele prè ipotekè “envèse” poutèt, olye pou w fè peman bay pretè a, w ap resevwa lajan nan men pretè a. Lajan ou resevwa a, ak enterè yo mete sou prè a, ogmante balans prè w la chak mwa. Yo rele pifò prè ipotekè envèse ki genyen kounye a HECM, ki se akwonim Prè Ipotekè Konvèsyon.

    Chèche konnen sa ou dwe konsidere anvan ou mande yon prè ipotekè envèse. 



    Dwa rezilyasyon (Right of rescission)

    Dwa rezilyasyon an se dwa yon konsomatè genyen pou li anile sèten kalite prè. Si w ap achte yon kay avèk yon prè, ou pa gen dwa anile prè a lè dokiman kloti yo fin siyen. Men, si w ap refinanse yon prè pou achte kay, ou gen jiska minui nan twazyèm jou ouvrab apre tranzaksyon an pou w rezilye (anile) kontra prè pou achte kay la. Delè twa jou a pa kòmanse toutotan ou pa siyen kontra kredi an (yo rele li abityèlman dwedou), resevwa yon fòmilè deklarasyon Verite nan Prè, epi resevwa de (2) kopi yon avi k ap eksplike dwa ou pou w rezilye. 



    Dezyèm ipotèk (Second mortgage)

    Yon dezyèm ipotèk oswa privilèj ran enferyè se yon prè ou pran avèk kay ou kòm garanti pandan ou toujou gen yon lòt prè avèk kay ou kòm garanti.

    Jwenn plis enfòmasyon sou dezyèm ipotèk. 



    Enterè sekirite (Security interest)

    Enterè sekirite a se sa ki kite pretè a sezi kay la si ou pa remèt lajan ou te jwenn prete a.

    Li plis (ann anglè) 



    Kredi vandè (Seller financing)

    Kredi vandè a se yon prè moun k ap vann kay w ap achte a fè ou.

    Li plis (ann anglè) 



    Moun oswa konpayi k ap bay sèvis (Servicer)

    Moun oswa konpayi k ap bay sèvis se konpayi k ap voye relve kont prè ipotekè w yo pou ou. Se konpayi k ap jere peman prè pou achte kay ou a ki okipe travay kotidyen jere prè w la tou.

    Yon moun oswa konpayi k ap bay sèvis nòmalman fè pase peman prè w lan, reponn kesyon moun ki jwenn lajan prete a, suiv ki kapital ak enterè ki peye, epi jere kont avalwa ou an (si ou gen youn). Konpayi k ap jere peman prè pou achte kay la gen dwa kòmanse pwosesis sezi kay la nan sèten sikonstans moun oswa konpayi k ap bay sèvis gen dwa oswa se gen dwa pa menm konpayi ki te ba ou prè w lan nan kòmansman. 



    Ogmantasyon valè ipotèk pataje (Shared appreciation mortgage)

    Lè ou pran yon prè avèk pataj ogmantasyon valè kay la, ou dakò bay pretè w la yon pati nan tout ogmantasyon nan valè kay ou a.

    Li plis (ann anglè) 



    Lavant ak pèt (Short sale)

    Yon lavant ak pèt se lè ou vann kay ou pou mwens pase sa ou dwe sou prè pou achte kay ou a. Yon lavant ak pèt se yon lòt chwa apa sezi kay la, men poutèt se yon vant, w ap gen pou kite kay ou a. Si pretè w lan oswa konpayi k ap jere peman prè pou achte kay ou a dakò ak yon lavant ak pèt, ou gen dwa kapab vann kay ou a pou fin peye prè pou achte kay ou a nèt, menm si pri devant la oswa rantre a vin mwens pase balans ki rete sou prè pou achte kay ou a. Yon lavant ak pèt se yon kalite limitasyon pèt. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. 



    Ipotèk ak risk (Subprime mortgage)

    Lè pretè yo sèvi ak mo sa yo, yo jeneralman vle di yon pwogram prè pou moun k ap mande prè ki pa kalifye pou prè preferansyèl, epi pwogram sa yo souvan ofri to enterè pi wo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Apantay (Survey)

    Apantay la se yon desen pwopriyete w la ki montre anplasman teren an, kay la ak nenpòt lòt estrikti ki genyen, epitou tout amelyorasyon ki fèt sou pwopriyete a.

    Li plis (ann anglè) 



    Frè pou sèvis tit (Title service fees)

    Frè pou sèvis tit yo fè pati frè kloti ou peye yo lè ou jwenn yon prè pou achte kay. Lè w ap achte yon kay, ou resevwa yon dokiman yo lepli souvan rele papye kay, ki montre vandè a te transfere dwa legal li sou kay la, oswa “tit” kay la ba ou. Frè pou sèvis tit yo se depans ki gen pou wè ak emisyon polis asirans tit la pou pretè a.

    Li plis (ann anglè) 



    Pousantaj enterè total (TIP) (Total interest percentage (TIP))

    Pousantaj enterè total la (TIP) se yon dokiman k ap di ou ki kantite enterè ou pral peye pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    Total peman yo (Total of payments)

    Chif sa a di ou montan total lajan w ap gen pou remèt pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    TRID

    “TRID” se yon akwonim sèten moun itilize pou pale de règ Dokiman Entegre TILA RESPA (TILA RESPA Integrated Disclosure) a.

    Li plis (ann anglè) 



    Prè USDA (USDA Loan)

    Sèvis Lojman Riral la, ki fè pati Depatman Agrikilti Etazini an (USDA) ofri pwogram prè pou achte kay san akont epi ki jeneralman gen to enterè favorab pou moun k ap achte kay andeyò yo epi ki respekte egzijans kalifikasyon USDA yo pou revni.

    Jwenn plis enfòmasyon sou sa ak lòt pwogram prè espesyal. 



    Prè VA (VA loan)

    Yon prè VA se yon pwogram prè Depatman Afè Ansyen Konbatan an (VA) ofri pou ede militè yo, ansyen konbatan yo, ak mari/madanm sivivan ki kalifye yo, achte kay. Se pa VA a ki fè prè a men li tabli règ yo pou kiyès ki gen dwa kalifye ak pou kondisyon prè pou achte kay la. VA a garanti yon pòsyon nan prè a pou redui risk pèt la pou pretè a. Prè yo jeneralman disponib sèlman pou yon rezidans prensipal.

    Si ou se ansyen konbatan, chèche konnen si yon prè VA ap bon pou ou.



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    Shopping for a mortgage (in Haitian Creole)
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    Lè w ap chèche prè pou achte kay

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    Chèche prè pou achte kay mande tan ak enèji. Men sa ka fè ou ekonomize plizyè milye dola. Ou dwe gen kòm objektif konpare omwen twa òf prè pou achte kay nan men diferan pretè.

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    Sou paj sa a:

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    Jwenn omwen twa apwobasyon alavans

    Entènèt ak jounal se bon kote pou kòmanse chèche pretè pou achte kay ou a. Kontakte bank yo, kès depay yo, ak òganizasyon ki gen dwa espesyalize nan sitiyasyon w lan—tankou moun k ap achte kay pou premye fwa, ansyen konbatan, travayè nan sèvis piblik, oswa lòt kalite moun.

    Mande omwen twa pretè diferan pou yo ba ou “apwobasyon alavans”. Sa vle di pretè a gade finans ou, sa gen ladan rapò kredi ou, epi li estime konbyen ou ka prete ak ki enterè w ap gen plis chans pou peye.

    Apwobasyon alavans la pèmèt ou eseye chak pretè pou wè ki kalite prè ak pri li ofri. Lè ou jwenn toulètwa apwobasyon alavans yo nan yon peryòd kout, sa pa ta dwe gen gwo konsekans sou nòt kredi ou.

    W ap retounen kote pretè sa yo lè ou pran sèten desizyon, epi mande yo òf prè yo.

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    Chèche konnen dire prè, estrikti to enterè, ak pwogram

    Dire prè a: Pi long oswa pi kout

    An jeneral, yon dire prè pi long koute plis sou dire lavi prè a. Men peman pa mwa ou yo nòmalman pi ba. Ou gen dwa kapab negosye yon lòt dire prè avèk pretè w lan, tankou 20 ane, 7 ane, oswa plis pase 30 ane.

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    Pifò moun k ap achte kay yo chwazi yon prè sou 30 ane poutèt peman yo ka ba.

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    Peman yo nòmalman pi wo pase 30 ane prè yo, men w ap fin peye prè w lan nan 15 anre epi kou total prè a kapab pi ba.

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    Estrikti to enterè prè a: To fiks oswa to varyab

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    Prè ak to fiks yo se bagay ou jwenn souvan. Premye peman w lan gen dwa pi ba avèk yon prè ak to varyab, men si to enterè yo monte ou ta ka fè fas a peman ki ogmante anpil.

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    To enterè w lan ak peman pa mwa w lan p ap janm chanje pandan tout dire prè w lan.

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    To enterè ou nòmalman fiks pandan kèk premye ane prè a. Lè peryòd fiks la ekspire, to a ajiste nan entèval regilye baze sou yon “endèks.” Endèks la se yon mezi to enterè jeneralman, epi li reflete tandans ki genyen nan ekonomi global la. Sa vle di montan peman w lan ka ogmante oswa diminye. W ap jwenn detay yo nan Estimasyon Prè w ap resevwa nan men pretè a.

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    Pwogram prè: Òdinè, FHA, VA, oswa pwogram espesyal

    Gen anpil pwogram prè, epi genyen ki fèt pou ede fè prè pou achte kay vin disponib pou moun ki nan sèten sikonstans oswa nan sèten gwoup.

    W ap bay yon akont 5% pou pi piti?

    Poze kesyon sou prè Fannie Mae oswa Freddie Mac ki kalifye, ke yo souvan rele prè “òdinè”.

    W ap bay yon akont tou piti?

    Poze kesyon sou prè ki gen asirans FHA.

    Ou se militè oswa ansyen konbatan?

    Poze kesyon sou prè ki gen garanti VA

    W ap achte kay andeyò?

    Poze kesyon sou prè USDA parennen.

    Ou se yon moun k ap achte kay pou premye fwa avèk revni ba oswa mwayen?

    Poze kesyon sou prè ou ka jwenn pase pa ajans finansman lojman eta w lan.

    Konpare òf prè yo

    Kounye a, li lè pou kòmanse pwosesis deman prè ofisyèl la. Mande pretè ou yo òf prè ki reflete chwa ou yo pou kalite, pwogram, ak dire prè. Apre sa w ap kapab konpare bagay ki sanble.

    Toudabò, konpare pati debaz yo nan prè a:

    • Kisa dire prè a ye?
    • Kisa to enterè a ye?
    • Sou ki montan akont yo baze prè a?
    • Konbyen peman pa mwa a ye?
    • Pou prè ipotekè ak to varyab, èske ajisteman peman yo ak to enterè a gen plafon? Èske to enterè a ap bese si to enterè mache a tonbe?

    Answit, konpare rès detay yo ki ka gen konsekans sou depans ou:

    • Ki lè peman mwen yo ap fin peye kapital la?
    • Èske peman yo ap chanje pandan dire prè a? Ki wotè peman mwen an ka monte?
    • Èske peman mwen an gen ladan taks sou pwopriyete ak asirans? Si se pa sa, èske m ap kapab peye yo separeman?
    • Ki depans ak frè y ap ajoute nan premye peman mwen an? Nan lòt peman mwen yo?
    • Èske fò mwen peye pwen (frè davans ki redwi to enterè w lan)?
    • Ki frè ak depans ki antre nan montan m ap prete a (nòmal pou yon prè “san frè kloti”)?
    • Èske òf ki ekri an menm ak sa yo te di mwen sou prè a?
    • Èske mwen ka jwenn yon pi bon afè pou sèvis règleman nan men diferan founisè sèvis?
    • Èske mwen ka fin remèt prè a nèt, oswa fè peman ki pi gwo pase sa ki prevwa yo, san penalite?

    Mande yon pi bon afè

    Lè ou fin wè òf plizyè pretè, mande si yo ka fè youn ki pi bon. Negosyasyon se bagay ki fèt souvan, epi pa gen danje nan mande. Pretè a gen dwa kapab anile oswa redwi youn nan frè yo, oswa bese to enterè a oswa pwen yo.

    Verifye pretè a pa bese yon frè epi monte yon lòt, oswa bese to enterè w lan men monte pwen ou yo.

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    Shopping for your auto loan (in Haitian Creole)
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    Chache alantou prè otomobil ou

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    Chache alnatou prè epi eseye jwenn to ak kondisyon ki pi bon yo, menmsi sa konplike, se menm konparezon pou lè w ap achte lòt bagay. Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

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    Prepare anvan ou aplike pou yon prè otomobil

    W ap nan yon pi bon pozisyon pou chache alantou ak negosye pou yon prè otomobil si ou swiv etap sa yo anvan ou aplike pou yon prè.

    Tcheke rapò kredi ou

    Enfòmasyon ki nan rapò kredi ou ap detèmine nòt kredi ou yo. Nòt kredi ou jwe yon gwo pati nan detèmine ki kalite prè otomobil ou ka jwenn, ak konbyen enterè ou pral peye sou prè a. Men kèk resous itil:

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    Eske w bezwen yon ko-siyatè?

    Yon ko-siyatè se yon moun - tankou yon paran, yon manm fanmi, oswa yon zanmi - ki gen obligasyon nan yon kontra pou peye prè a menm jan ou ye a. Si istwa kredi ou limite oswa ou bezwen amelyore’l, epi ou gen yon pwen kredi ki ba (oswa pa gen nòt kredi), to enterè ou ta ka siyifikativman pi ba si ou gen yon ko-siyatè ak bon kredi oswa ekselan. Se paske kreditè a pral konte sou istwa kredi ko-siyatè a ak nòt nan deside fè prè a.

    Si w panse gen yon ko-siyatè, ou menm ak potansyèl ko-siyatè a ta dwe reflechi ak anpil atansyon sou desizyon sa a. Si ou pa ranbouse prè ou a, ou menm ak ko-siyatè w la ap responsab pou ranbousman an. Ko-siyatè a responsab pou prè a menmsi li pa gen dwa pou posesyon sou machin nan. Anplis de sa, nenpòt peman an reta ki fèt sou prè a li ka afekte dosye kredi ak eskò ou ak dosye kredi ak eskò ko-siyatè w la tou. Anjeneral, lalwa federal entèdi yon kreditè pou mande w gen yon ko-siyatè si w aplike pou yon prè endividyèlman epi ou kalifye dapre estanda kreditè a pou solvabilite pou prè a. Pou plis enfòmasyon sou ko-siyati vizite consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Konsilte to denterè prè otomobil kounyè a

    Ou ka chache to denterè yo nan diferan bank, kredi inyon ak lòt pretè. Konsa tou ou ka ale sou Entenèt nan paj plizyè sant komèsyal ki ka ba ou yon estimasyon to denterè yo nan diferan zòn peyi a. Kèk sit entènèt ka konekte ou ak pretè espesifik oswa dilè pou ka ba ou estimasyon, kidonk li enpòtan pou ou fè atansyon ak ki kalite enfòmasyon pèsonèl w ap bay.

    Konsidere yon peman davans

    Yon peman davans ap bese kantite total ou bezwen finanse paske w ap bezwen prete mwens lajan. Toutotan peman davans la pi wo, se konsa total prè a ap pi piti.

    Deside si ou vle chanje machin ou genyen kounye a

    Si ou deja gen yon machin, chache konnen valè li pou wè konbyen ou ka mande pou li si ou ta fè yon echanj oswa si ou ta vann li an prive. Ou ka konsilte valè apwoksimatif machin nan sou sit entènèt kèk biznis tankou Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power and kèk paj anons sou entènèt. Resous sa yo ka disponib tou nan bibliotèk zòn ou an. Sa ka ede ou tou si ou ka jwenn enfòmasyon sou machin ki te vann pa lontan nan zòn ou an pou sa konnen pri yo byen.

    Depi ou fin gen yon ide de konbyen lajan machin ou an koute, ou ka deside si w ap fè yon echanj oswa si w ap vann li oumenm. Si ou fè echanj machin nan kay yon vandè otomobil, oumenm ak vandè a ap deside ki valè nou dwe detèmine pou sa konnen pri pwochen otomobil la. Si ou vann machin nan ou poukont ou, ou ka itilize lajan lavant la kòm peman avans.

    Si machin ou pral vann nan gen yon prè otomobil aktif sou li, fòk ou panse desizyon an ak anpil swen

    Konsidere ak anpil swen si ou dwe pran yon lòt kredi pou ajoute sou dèt ou te deja genyen an. Men kèk analiz ak etap:

    • Pran kantite ranbousman an, ki se kantite lajan ou bezwen pou peye prè a, nan men pretè ou gen kounye a avan ou ale nan biznis k ap vann machin nan.
    • Deside si ou pral ranbouse prè ou genyen kounye a, tann jiskaske ou fin peye prè ansyen machin ou an anvan ou prete pou yon lòt machin, oswa mete kantite ou dwe toujou a sou machin ou an nan nouvo prè otomobil la.
    • Si ou dwe plis sou machin ou an ke valè li — ke yo rele alanvè — lè sa ou gen yon valè negatif. Si ou envesti balans prè machin ou gen deja a nan nouvo prè otomobil la, sa ka fè nouvo prè otomobil la pi chè anpil. Pri total prè a ap pi wo paske ou pral prete plis pase pri nouvo machin nan.
    • Apre ou fin etidye pri echanj la, si kantite ou dwe sou chanjman an pi piti ke valè reyèl la, asire pandan nenpòt negosyasyon ou konsidere si ou va jwenn yon bon valè pou echanj machin lan epi si w ap ka ranbouse ansyen prè otomobil la.
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    Èske ou toujou dwe sou echanj ou an?

    Si ou panse reenvesti balans ansyen prè a nan nouvo a, asire ou konprann kijan sa pral afekte pri total nouvo prè ou an. Pran san ou pou gade pri total prè a ansanm ak tout kantite yo prete w la, to pousanj lane a (APR), to denterè a, dire prè a (nan kè mwa), epi peman chak mwa– anvan ou asepte nenpòt bagay. Si ou pa pase lajan ou dwe sou ansyen machin ou sou nouvo prè a, epi ou toujou gen premye machin nan pandan ke ou achte yon nouvo, w ap gen de (2) prè ak de (2) peman pou fè chak mwa. Lòt kote, ou ka bezwen konsidere si sa gen sans pou kontinye tranzaksyon an epi achtè yon nouvo machin pandan ou dwe toujou sou premye machin ou vle chanje a. Pou jwenn plis enfomasyon ale nan consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Panse sou opsyon adisyonèl yo anvan

    Lè ou ale kote dilè machin nan, y ap ofri ou pwodwi ak sèvis adisyonèl pou machin nan oswa pou prè a. Se yon bon lide pou panse sou sèvis ekstra sa yo depi kounye a, konsa ou p ap gen twòp preyokipasyon kay dilè a, epi w ap gen repons tou pare lè yo poze ou kesyon sou sèvis ekstra yo. Sèvis ekstra yo gen anjeneral:

    Pwodwi ak sèvis sa yo, ke ou ka finanse, se si ou vle. Si ou achte yo, pri a negosyab. Si ou panse ou vle achte pwodwi oswa sèvis sa yo, chache fè konparezon. Pa egzanp, konpayi asirans otomobil ou an ka ofri asirans GAP, asiranks kredi, oswa lòt chwa. Si ou finanse sèvis opsyonèl yo nan prè ou pran an, kantite ou prete ak sa ou gen pou peye a ap ogmante.

    Kounye a ke ou fè devwa ou, ou prè pou pase lòt etap la, ki se chache konpare prè otomobil ou an. Itilize papye prè oto a nan consumerfinance.gov pou swiv tras tèm prè yo epi konpare opsyon. Ale ak fèy kalkil la nan bank la, kredi inyon, lòt pretè, ak dilè a pou ou sa konpare opsyon kredi epi deside sa ki pi nan avantaj ou.

    Chache alantou prè otomobil ou

    Kounye a ou pare pou chache alantou prè otomobil ou an. Anvan ou ale kay dilè a, reyini tout enfòmasyon pèsonèl ou epi panse jwenn apwobasyon prè a davans.

    Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

    Reyini enfòmasyon pèsonèl ou

    Lè ou prale labank, kredi inyon, oswa kote vandè machin nan, asire ou gen tout enfòmasyon ke ou bezwen. Pretè yo jeneralman mande enfòmasyon sa yo nan yon aplikasyon pou prè:

    • Non
    • Nimewo Sekirite Sosyal oswa ITIN
    • Dat ou fèt
    • Adrès aktyèl ak adrès anvan yo epi konbyen tan ou te rete nan kay la
    • Kote w ap travay, travay anvan yo epi konbyen tan ou fè nan travay yo
    • Okipasyon ou
    • Sous revni ou yo
    • Revni total avan taks
    • Enfòmasyon finans ou de kont kredi aktyèl, ansanm ak lòt dèt

    Jwenn pre-apwobasyon pou yon prè

    Lè ou jwenn pre-apwobasyon pou prè oswa kalifye pou yon kantite maksimòm prè ak to denterè nan bank, kredi inyon, oswa lòt pretè, sa se yon bon kote pou kòmanse. Si ou pote yon estimasyon prè de yon pretè bay dilè a, ou dwe nan yon pozisyon gwo negosyan pou ta jwenn yon pi bon afè, swa ou rete ak pri ou te pote a oswa ou deside asepte òf finansman dilè a.

    Pre-apwobasyon ka ede ou tou rete nan limit bidjè ou epi ede ou konpare to denterè yo san presyon tan ou ka santi yon fwa ke ou kaydilè a. Apresa kay dilè a, ou ka konsantre ou plis sou pri aktyèl machin nan ak pri echanj la paske w ap deja konnen tout bagay ke ou bezwen sou kondisyon prè a. W ap toujou gen chwa pou negosye yon prè ki pi bon kay dilè a epi pa itilize pre-apwobasyon.

    Si aplikasyon ou resevwa pre-apwobasyon, pretè a ap ba ou dokiman pou pote bay dilè a. Yon fwa ke ou pare, dilè a ap fè dènye aranjman yo ak pretè ou an.

    Konprann kijan chache alantou yon prè afekte nòt kredi ou

    Chache pi bon zafè nan prè otomobil jeneralman gen yon tikras oswa ankenn enpak sou nòt kredi ou(yo). Benefis rechèch la pi enpòtan lontan pase nenpòt enpak sou kredi ou. Nan kèk ka, si ou aplike pou plizyè prè pandan yon peryòd tan ki long, sa ka bese nòt kredi ou. Toudepan ki modèl nòt kredi ki itilize, jeneralman nènpòt kesyon oswa ankèt pretè yo sou nòt kredi ou ki fèt nan yon espas tan ki soti 14 pou rive 45 jou ap konte tankou yon sèl ankèt. Sa vle di ke chache yon prè otomobil pandan peryòd tan sa ap konte tankou ou te aplike pou yon sèl prè. Ou ka redwi nenpòt enpak negatif sou nòt kredi ou si ou fè tout envestigasyon to denterè yo nan yon peryòd tan ki kout.

    Konnen dwa ou

    Yon pretè pa ka dekouraje ou oswa refize aplikasyon kredi ou, oswa ofri ou pri diferan oswa lòt tèm ak kondisyon de prè sou baz ras ou, koulè, relijyon, nasyonalite, sèks, eta sivil, laj, poutèt ou resevwa revni asistans piblik, oswa egzèsis bòn fwa nenpòt dwa ki nan Lwa Pwoteksyon Konsomatè Kredi a.

    Ou ka depoze yon plent sou entènèt nan Komisyon Komès Federal la (FTC) nan reportfraud.ftc.gov oswa nan Biwo Pwoteksyon Finans Konsomatè (CFPB) nan consumerfinance.gov/complaint oubyen rele gratis nan 1-855-411-CFPB (2372).

    +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html index 7a32b4e2e46f..e7fe53580b3e 100644 --- a/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html +++ b/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html @@ -455,7 +455,7 @@

  12. - + Order free brochures @@ -1298,7 +1298,7 @@

    신용 보고서 및 점수 주요 용어

    -

    신용 조회 (Credit inquiry)

    신용 조회는 본인의 신용 파일 열람을 요청하는 것을 말하며, 두 가지 유형 중 하나입니다.

    (영어로) 추가 정보 읽기

    신용 사각지대 (Credit invisible)

    2015년 CFPB에서는 2천6백만 명의 미국인들이 “신용 사각지대”에 놓여 있다는 보고서를 출판하였습니다. 이 수치는 성인 10명 중 1명은 전국 3대 신용평가기관 중 어느 곳에도 신용 기록이 없음을 나타냅니다. 추가로 천9백만 명의 소비자는 “점수를 매길 수 없는” 신용 파일을 가지고 있으며 이는 금융 이력 부족 즉 신용 기록이 불충분하거나(990만 명) 오래된 파일이라 최근 신용 기록이 부족함을 의미합니다(960만 명). 요약하자면 점수를 매길 수 있는 신용 기록이 없기 때문에 신용에 대한 접근이 거부될 수 있는 소비자의 수는 4천5백만 명에 이릅니다. 신용 사각지대에 놓여 있거나 점수를 매길 수 없는 신용을 가진 사람들은 일반적으로 양질의 신용에 접근할 수 없으며 신용을 얻는 것부터 아파트 임대에 이르기까지 다양한 문제에 직면할 수 있습니다.

    신용 모니터링 서비스 (Credit monitoring service)

    신용 모니터링 서비스는 소비자의 신용 보고서 를 주시하고 신용 보고서에 기재된 계정의 변동 사항에 대해 알림을 제공하는 유료 상업 서비스입니다.

    (영어로) 추가 정보 읽기

    신용 보고서 (Credit report)

    신용 보고서는 개인의 신용 활동과 대출 납부 내역 및 신용 계정 현황과 같은 현재의 신용 상황에 대한 정보를 담고 있는 내역서입니다.

    신용평가기관 (Credit reporting company)

    신용평가기관은 신용 조사 기관 또는 소비자 보고 기관으로 알려져 있으며 신용 보고서를 만들고 판매하는 회사입니다.

    신용 점수 (Credit score)

    신용 점수는 대출을 제때 갚을 확률을 예측합니다. 회사들은 스코어링 모델(scoring model)이라고 하는 수학 공식을 사용하여 신용 보고서에 있는 정보를 가지고 신용 점수를 생성합니다. 소비자에게 신용 점수는 “하나”만 있는 것이 아니며 대출업체뿐 아니라 소비자에게 제공되는 신용 점수도 여러 가지가 있다는 것을 아는 것이 중요합니다. 모든 신용 점수는 계산에 사용된 데이터에 따라 다르며 스코어링 모델, 신용 기록 출처, 대출 상품 유형 및 심지어는 계산 날짜에 따라 다를 수 있습니다.

    공정신용보고법 (Fair Credit Reporting Act)

    연방 공정신용보고법(FCRA)은 소비자 보고 기관의 파일에 있는 정보의 정확성, 공정성 및 개인정보보호를 증진합니다. 소비자 조사 기관 및 전문 기관(수표 작성 내역, 의료 기록 및 임대 내역 기록 정보를 판매하는 기관 등)을 포함하여 여러 유형의 소비자 보고 기관이 존재합니다. FCRA에 따른 주요 권리 에 대해 자세히 알아보시기 바랍니다.

    파이코 점수 (FICO score)

    파이코® 점수(FICO score)는 특정한 브랜드의 신용 점수입니다.

    (영어로) 추가 정보 읽기

    사기 경보 (Fraud alert)

    사기 경보는 신규 계좌 개설, 추가 카드 발급, 또는 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 소비자의 신용 보고서를 확인하는 채권자가 소비자의 신원도 확인하도록 요구합니다. 소비자가 한 곳의 전국 신용평가기관을 통해 신용 보고서 에 사기 경보를 설정해 놓은 경우 해당 기관은 다른 기관에 통보하여야 합니다. 사기 경보의 주요 유형 두 가지로는 초기 사기 경보와 확장형 경보가 있습니다.

    신원 모니터링 또는 신원 도용 보호 (Identity monitoring or identity theft proection)

    신원 도용 보호 서비스는 신용 신청서, 공공 기록, 웹사이트 및 기타 장소에서 개인적으로 식별 가능한 정보를 모니터링하여 신원 도용이 의심되는 비정상적인 활동을 찾습니다.

    (영어로) 추가 정보 읽기

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다. 신원을 도용하는 것은 다음과 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다.

    • 이름
    • 사회보장번호
    • 신용카드 번호

    현역 군인 경보 (Military active duty alert)

    군인(예: 해병대, 육군, 해군, 공군, 해안경비대)은 현역 군인 경보를 요청할 수 있습니다. 신용 보고서에 현역 군인 경보를 설정하면 채권자는 계정 개설, 기존 계정에 신용카드 추가 발급 또는 기존 계정에 신용 한도를 늘리기 전에 요청한 사람이 실제로 본인인지 확인하기 위해 합당한 조치를 취해야 합니다. 현역 경보는 12개월 동안 지속됩니다. 또한 2년 동안 전국 신용평가기관의 신용 제안 및 보험에 대한 사전 선별 마케팅 목록에서 이름이 삭제될 것입니다.

    지불된 추심 (Paid collection)

    지불된 추심은 연체되어 추심으로 넘어갔다가 지불된 계정입니다.

    (영어로) 추가 정보 읽기

    보안 잠금 (Security freeze)

    신용 보고서에 “보안 잠금”을 설정해두면 본인이 잠금을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하거나 다른 이들이 본인의 명의로 계정을 개설하는 것을 막을 수 있습니다. 대부분의 사업체들은 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 잠금은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다.

    전문 소비자 평가 회사 (Specialty consumer reporting company)

    전문 소비자 평가 회사는 고용 이력, 사업체와의 거래 내역 또는 특정 상품이나 서비스에 대한 상환 내역에 대한 정보를 수집하고 공유합니다.

    세입자 심사 보고서 (Tenant screening report)

    임대인이 사용하는 보고서로 잠재적 세입자에 대해 결정을 내리는 데 도움이 됩니다. 세입자 심사 보고서는 본인의 임대 내역과 신용 보고서를 포함하여 여러 출처에서 뽑은 정보를 담을 수 있습니다.

    (영어로) 추가 정보 읽기

    금융 이력 부족 또는 신용 파일 없음 (Thin credit file / No credit file)

    금융 이력 부족 또는 신용 파일 없음은 신용 이력이 없거나 신용 점수를 생성하기 위한 충분한 신용 이력이 현재 없음을 뜻합니다. 참고: 신용 사각지대

    +

    신용 조회 (Credit inquiry)

    신용 조회는 본인의 신용 파일 열람을 요청하는 것을 말하며, 두 가지 유형 중 하나입니다.

    (영어로) 추가 정보 읽기

    신용 사각지대 (Credit invisible)

    2015년 CFPB에서는 2천6백만 명의 미국인들이 “신용 사각지대”에 놓여 있다는 보고서를 출판하였습니다. 이 수치는 성인 10명 중 1명은 전국 3대 신용평가기관 중 어느 곳에도 신용 기록이 없음을 나타냅니다. 추가로 천9백만 명의 소비자는 “점수를 매길 수 없는” 신용 파일을 가지고 있으며 이는 금융 이력 부족 즉 신용 기록이 불충분하거나(990만 명) 오래된 파일이라 최근 신용 기록이 부족함을 의미합니다(960만 명). 요약하자면 점수를 매길 수 있는 신용 기록이 없기 때문에 신용에 대한 접근이 거부될 수 있는 소비자의 수는 4천5백만 명에 이릅니다. 신용 사각지대에 놓여 있거나 점수를 매길 수 없는 신용을 가진 사람들은 일반적으로 양질의 신용에 접근할 수 없으며 신용을 얻는 것부터 아파트 임대에 이르기까지 다양한 문제에 직면할 수 있습니다.

    신용 모니터링 서비스 (Credit monitoring service)

    신용 모니터링 서비스는 소비자의 신용 보고서 를 주시하고 신용 보고서에 기재된 계정의 변동 사항에 대해 알림을 제공하는 유료 상업 서비스입니다.

    (영어로) 추가 정보 읽기

    신용 보고서 (Credit report)

    신용 보고서는 개인의 신용 활동과 대출 납부 내역 및 신용 계정 현황과 같은 현재의 신용 상황에 대한 정보를 담고 있는 내역서입니다.

    신용평가기관 (Credit reporting company)

    신용평가기관은 신용 조사 기관 또는 소비자 보고 기관으로 알려져 있으며 신용 보고서를 만들고 판매하는 회사입니다.

    신용 점수 (Credit score)

    신용 점수는 대출을 제때 갚을 확률을 예측합니다. 회사들은 스코어링 모델(scoring model)이라고 하는 수학 공식을 사용하여 신용 보고서에 있는 정보를 가지고 신용 점수를 생성합니다. 소비자에게 신용 점수는 “하나”만 있는 것이 아니며 대출업체뿐 아니라 소비자에게 제공되는 신용 점수도 여러 가지가 있다는 것을 아는 것이 중요합니다. 모든 신용 점수는 계산에 사용된 데이터에 따라 다르며 스코어링 모델, 신용 기록 출처, 대출 상품 유형 및 심지어는 계산 날짜에 따라 다를 수 있습니다.

    공정신용보고법 (Fair Credit Reporting Act)

    연방 공정신용보고법(FCRA)은 소비자 보고 기관의 파일에 있는 정보의 정확성, 공정성 및 개인정보보호를 증진합니다. 소비자 조사 기관 및 전문 기관(수표 작성 내역, 의료 기록 및 임대 내역 기록 정보를 판매하는 기관 등)을 포함하여 여러 유형의 소비자 보고 기관이 존재합니다. FCRA에 따른 주요 권리 에 대해 자세히 알아보시기 바랍니다.

    파이코 점수 (FICO score)

    파이코® 점수(FICO score)는 특정한 브랜드의 신용 점수입니다.

    (영어로) 추가 정보 읽기

    사기 경보 (Fraud alert)

    사기 경보는 신규 계좌 개설, 추가 카드 발급, 또는 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 소비자의 신용 보고서를 확인하는 채권자가 소비자의 신원도 확인하도록 요구합니다. 소비자가 한 곳의 전국 신용평가기관을 통해 신용 보고서 에 사기 경보를 설정해 놓은 경우 해당 기관은 다른 기관에 통보하여야 합니다. 사기 경보의 주요 유형 두 가지로는 초기 사기 경보와 확장형 경보가 있습니다.

    신원 모니터링 또는 신원 도용 보호 (Identity monitoring or identity theft proection)

    신원 도용 보호 서비스는 신용 신청서, 공공 기록, 웹사이트 및 기타 장소에서 개인적으로 식별 가능한 정보를 모니터링하여 신원 도용이 의심되는 비정상적인 활동을 찾습니다.

    (영어로) 추가 정보 읽기

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다. 신원을 도용하는 것은 다음과 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다.

    • 이름
    • 사회보장번호
    • 신용카드 번호

    현역 군인 경보 (Military active duty alert)

    군인(예: 해병대, 육군, 해군, 공군, 해안경비대)은 현역 군인 경보를 요청할 수 있습니다. 신용 보고서에 현역 군인 경보를 설정하면 채권자는 계정 개설, 기존 계정에 신용카드 추가 발급 또는 기존 계정에 신용 한도를 늘리기 전에 요청한 사람이 실제로 본인인지 확인하기 위해 합당한 조치를 취해야 합니다. 현역 경보는 12개월 동안 지속됩니다. 또한 2년 동안 전국 신용평가기관의 신용 제안 및 보험에 대한 사전 선별 마케팅 목록에서 이름이 삭제될 것입니다.

    지불된 추심 (Paid collection)

    지불된 추심은 연체되어 추심으로 넘어갔다가 지불된 계정입니다.

    (영어로) 추가 정보 읽기

    보안 잠금 (Security freeze)

    신용 보고서에 “보안 잠금”을 설정해두면 본인이 잠금을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하거나 다른 이들이 본인의 명의로 계정을 개설하는 것을 막을 수 있습니다. 대부분의 사업체들은 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 잠금은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다.

    전문 소비자 평가 회사 (Specialty consumer reporting company)

    전문 소비자 평가 회사는 고용 이력, 사업체와의 거래 내역 또는 특정 상품이나 서비스에 대한 상환 내역에 대한 정보를 수집하고 공유합니다.

    세입자 심사 보고서 (Tenant screening report)

    임대인이 사용하는 보고서로 잠재적 세입자에 대해 결정을 내리는 데 도움이 됩니다. 세입자 심사 보고서는 본인의 임대 내역과 신용 보고서를 포함하여 여러 출처에서 뽑은 정보를 담을 수 있습니다.

    (영어로) 추가 정보 읽기

    금융 이력 부족 또는 신용 파일 없음 (Thin credit file / No credit file)

    금융 이력 부족 또는 신용 파일 없음은 신용 이력이 없거나 신용 점수를 생성하기 위한 충분한 신용 이력이 현재 없음을 뜻합니다. 참고: 신용 사각지대

    @@ -1461,10 +1461,10 @@

    신용 조회 (Credit inquiry)

    diff --git a/www.consumerfinance.gov/language/ko/index.html b/www.consumerfinance.gov/language/ko/index.html index 8d127555a3dd..2cf9e29c0097 100644 --- a/www.consumerfinance.gov/language/ko/index.html +++ b/www.consumerfinance.gov/language/ko/index.html @@ -454,7 +454,7 @@
  13. - + Order free brochures @@ -1259,7 +1259,7 @@
    안내

    자동차

    -
    안내

    은행 또는 신용 조합 계좌를 선택하고 사용할 때, 어떤 선택권이 있는지 아는 것은 중요합니다.

    은행 계좌 또는 신용 계좌 개설을 위한 체크리스트

    금융상품 및 서비스 선택하기


    주요 용어

    은행 계좌와 관련된 핵심 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    +
    안내

    은행 또는 신용 조합 계좌를 선택하고 사용할 때, 어떤 선택권이 있는지 아는 것은 중요합니다.

    은행 계좌 또는 신용 계좌 개설을 위한 체크리스트

    금융상품 및 서비스 선택하기


    주요 용어

    은행 계좌와 관련된 핵심 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    안내

    신용 카

    -
    안내

    신용 보고서 및 점수는 재무 상황에 영향을 줄 수 있습니다. 다음 자료는 이에 대한 이해도를 높이고 오류를 정정하는 방법 및 시간이 지남에 따라 신용 기록을 개선할 수 있는 방법에 대해 도움을 드립니다.


    주요 용어

    한국어로 신용 보고서 및 점수와 관련된 주요 용어를 알아볼 수 있습니다.

    주요 용어 탐색하기

    +
    안내

    신용 보고서 및 점수는 재무 상황에 영향을 줄 수 있습니다. 다음 자료는 이에 대한 이해도를 높이고 오류를 정정하는 방법 및 시간이 지남에 따라 신용 기록을 개선할 수 있는 방법에 대해 도움을 드립니다.


    주요 용어

    한국어로 신용 보고서 및 점수와 관련된 주요 용어를 알아볼 수 있습니다.

    주요 용어 탐색하기

    안내

    신용 보

    -
    안내

    채권추심과 관련된 문제는 어려울 수 있지만 보장받을 수 있는 권리가 있습니다.

    채권추심자에 대한 권리

    주요 용어

    채권추심과 관련된 주요 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    +
    안내

    채권추심과 관련된 문제는 어려울 수 있지만 보장받을 수 있는 권리가 있습니다.

    채권추심자에 대한 권리

    주요 용어

    채권추심과 관련된 주요 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    안내

    채권추

    -
    주요 용어

    사기로 돈이나 재산을 잃는 것은 엄청난 충격을 줄 수 있습니다. 한국어로 주요 용어를 이해하는 것은 사기 예방, 인식 및 신고하는 데 도움이 될 수 있습니다.

    주요 용어 탐색하기

    사기를 당했다고 생각되는 경우 해야 할 일

    I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    1. 사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.
    2. 주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 전국검찰총장협회  웹사이트에서 찾을 수 있습니다.
    3. 피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 고령자 돌봄 서비스 찾기 웹사이트 또는 (800) 677-1116에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.
    4. 본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 민원 접수 를 할 수 있습니다.


    모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.

    +
    주요 용어

    사기로 돈이나 재산을 잃는 것은 엄청난 충격을 줄 수 있습니다. 한국어로 주요 용어를 이해하는 것은 사기 예방, 인식 및 신고하는 데 도움이 될 수 있습니다.

    주요 용어 탐색하기

    사기를 당했다고 생각되는 경우 해야 할 일

    I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    1. 사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.
    2. 주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 전국검찰총장협회  웹사이트에서 찾을 수 있습니다.
    3. 피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 고령자 돌봄 서비스 찾기 웹사이트 또는 (800) 677-1116에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.
    4. 본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 민원 접수 를 할 수 있습니다.


    모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.

    주요 용어

    사

    -
    안내

    비상 상황에 대비하여 예산을 관리하고 재정을 보호하는 방법이 있습니다.

    +
    안내

    비상 상황에 대비하여 예산을 관리하고 재정을 보호하는 방법이 있습니다.

    안내

    비상 상

    -
    안내

    주택 구입을 생각하고 있거나 모기지를 내는 데 어려움을 겪고 있다면 모든 단계에서 도움이 될 수 있는 자료가 준비되어 있습니다.


    핵심 용어

    모기지와 관련된 주요 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    +
    안내

    주택 구입을 생각하고 있거나 모기지를 내는 데 어려움을 겪고 있다면 모든 단계에서 도움이 될 수 있는 자료가 준비되어 있습니다.


    핵심 용어

    모기지와 관련된 주요 용어를 한국어로 알아볼 수 있습니다.

    주요 용어 탐색하기

    안내

    주택 구

    -

    다른 나라로 돈을 보내는 경우, 일반적으로 연방정부 차원의 보호를 받을 수 있습니다.

    해외 송금과 보장받을 수 있는 권리에 대해 알아보기

    안심하고 해외로 송금하기

    +

    다른 나라로 돈을 보내는 경우, 일반적으로 연방정부 차원의 보호를 받을 수 있습니다.

    해외 송금과 보장받을 수 있는 권리에 대해 알아보기

    안심하고 해외로 송금하기

    @@ -1516,7 +1516,7 @@

    금융 상품 또는 서비스와 관련하여 문제가 있으
    -

    현재 다음에 대한 민원을 받습니다.

    • 당좌 또는 저축 계좌
    • 신용카드
    • 신용 회복 서비스
    • 신용 보고서 및 기타 개인 소비자 보고서
    • 채권추심
    • 채무조정
    • 자금이체, 가상 화폐 및 자금 서비스
    • 모기지
    • 급여일 대출
    • 할부 및 담보 대출과 같은 개인 대출
    • 선불카드
    • 학자금 대출
    • 자동차 대출 또는 리스

    민원을 접수하고자 하는 상품 또는 서비스가 기재되어 있지 않다면 usa.gov를 확인 하여 다른 곳에 민원을 접수할 수 있는지 알아볼 수 있습니다. 여기에서는 전화, 인터넷, 케이블 회사는 물론 기타 제품 및 서비스 등을 판매하는 회사에 대한 민원을 접수하는 방법도 확인할 수 있습니다.

    사기를 당했다고 생각되는 경우 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    +

    현재 다음에 대한 민원을 받습니다.

    • 당좌 또는 저축 계좌
    • 신용카드
    • 신용 회복 서비스
    • 신용 보고서 및 기타 개인 소비자 보고서
    • 채권추심
    • 채무조정
    • 자금이체, 가상 화폐 및 자금 서비스
    • 모기지
    • 급여일 대출
    • 할부 및 담보 대출과 같은 개인 대출
    • 선불카드
    • 학자금 대출
    • 자동차 대출 또는 리스

    민원을 접수하고자 하는 상품 또는 서비스가 기재되어 있지 않다면 usa.gov를 확인 하여 다른 곳에 민원을 접수할 수 있는지 알아볼 수 있습니다. 여기에서는 전화, 인터넷, 케이블 회사는 물론 기타 제품 및 서비스 등을 판매하는 회사에 대한 민원을 접수하는 방법도 확인할 수 있습니다.

    사기를 당했다고 생각되는 경우 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    금융 상품 또는 서비스와 관련하여 문제가 있으
    -

    I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    1. 사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.
    2. 주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 전국검찰총장협회  웹사이트에서 찾을 수 있습니다.
    3. 피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 고령자 돌봄 서비스 찾기 웹사이트 또는 (800) 677-1116에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.
    4. 본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 민원 접수 를 할 수 있습니다.


    모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.

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    I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.

    1. 사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.
    2. 주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 전국검찰총장협회  웹사이트에서 찾을 수 있습니다.
    3. 피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 고령자 돌봄 서비스 찾기 웹사이트 또는 (800) 677-1116에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.
    4. 본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 민원 접수 를 할 수 있습니다.


    모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.

    @@ -1720,9 +1720,7 @@

    주문 또는 다운로드할 수 있는 다양한 주제와 언어로 된 무료 간행물.

    @@ -1738,8 +1736,8 @@

    @@ -1754,9 +1752,7 @@

    @@ -1770,9 +1766,7 @@

    @@ -1946,10 +1940,10 @@

    diff --git a/www.consumerfinance.gov/language/ru/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/ru/credit-reports-and-scores-key-terms/index.html new file mode 100644 index 000000000000..182e17b7c855 --- /dev/null +++ b/www.consumerfinance.gov/language/ru/credit-reports-and-scores-key-terms/index.html @@ -0,0 +1,1484 @@ + + + + + + + Основные термины кредитных отчетов и рейтингов | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Credit reports and scores key terms (in Russian)
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    Основные термины кредитных отчетов и рейтингов

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    Запрос кредитной информации (Credit inquiry)

    Запрос относится к просьбе ознакомиться с вашей кредитной историей, и обычно он подразделяется на один из двух типов.

    Подробнее (на английском языке)

    Кредитные невидимки (Credit invisible)

    В 2015 году мы опубликовали отчет, в котором говорится, что 26 миллионов американцев являются «кредитными невидимками». Эта цифра показывает, что каждый десятый взрослый не имеет кредитной истории в одной из трех общенациональных компаний, предоставляющих кредитную отчетность. Еще 19 миллионов потребителей имеют «неподдающиеся оценке» кредитные досье, что означает, что их досье неполноценное и имеет недостаточную кредитную историю (9,9 миллиона) или у них устаревшие файлы и отсутствует какая-либо недавняя кредитная история (9,6 миллиона). В целом, 45 миллионов потребителей могут быть лишены доступа к кредиту, потому что у них нет кредитной истории, которую можно было бы оценить. Люди, кредитная история которых не видна или не поддается оценке, как правило, не имеют доступа к качественному кредиту и могут столкнуться с рядом проблем, от попытки получить кредит до аренды квартиры.

    Служба кредитного мониторинга (Credit monitoring service)

    Служба кредитного мониторинга — это коммерческая служба, которая взимает с вас плату за просмотр ваших кредитных отчетов и оповещение вас об изменениях в счетах, перечисленных в вашем кредитном отчете.

    Подробнее (на английском языке)


    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Компания кредитных историй (Credit reporting company)

    Компании кредитных историй, также известные как бюро кредитных историй или агентства по предоставлению информации о кредитоспособности потребителей, представляют собой компании, которые составляют и продают кредитные отчеты.

    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Важно знать, что у вас есть не только «один» кредитный рейтинг, а существует множество кредитных рейтингов, доступных как вам, так и кредиторам. Любой кредитный рейтинг зависит от данных, используемых для его расчета, и может отличаться в зависимости от рейтинговой модели, источника вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Закон о точной отчетности по кредитам (Fair Credit Reporting Act)

    Федеральный Закон о точной отчетности по кредитам (FCRA) способствует обеспечению точности, справедливости и конфиденциальности информации в файлах агентств по предоставлению информации о кредитоспособности потребителей. Существует много типов агентств по предоставлению информации о кредитоспособности потребителей, включая бюро кредитной информации и специализированные агентства (например, агентства, которые продают информацию об историях выписки чеков, медицинских записях и записях об истории аренды). Узнайте больше о ваших основных правах в соответствии с FCRA .


    Рейтинг FICO (FICO score)

    Рейтинг FICO® — это особый вид кредитного рейтинга.

    Подробнее (на английском языке)


    Предупреждение о мошенничестве (Fraud alert)

    Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета на основании запроса потребителя. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, она должна уведомить другие компании. Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения.



    Мониторинг личных данных или защита от хищения личных данных (Identity monitoring or identity theft proection)

    Службы защиты от хищения личных данных отслеживают данные, идентифицирующие личность, в кредитных заявках, общедоступных записях, веб-сайтах и других местах на предмет любых необычных действий, которые могут быть признаками хищения личных данных.

    Подробнее (на английском языке)



    Кража личных данных (Identity theft)

    Кража личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества. Кража ваших личных данных может означать использование личной информации без вашего разрешения, например:

    • Ваше имя и фамилия
    • Номер социального обеспечения
    • Номер кредитной карты


    Предупреждение для лиц на действительной военной службе (Military active duty alert)

    Военнослужащие (например, военнослужащие морской пехоты, армии, флота, военно-воздушных сил и береговой охраны) могут запросить предупреждение для лиц на действительной военной службе. Когда вы размещаете предупреждение для лиц на действительной военной службе в своем кредитном отчете, кредиторы должны предпринять разумные шаги, чтобы убедиться, что лицо, делающее запрос, действительно является вами, прежде чем открывать счет, выпускать дополнительную кредитную карту для существующего счета или увеличивать кредитный лимит на вашем счете. Предупреждения для лиц на действительной военной службе действуют в течение 12 месяцев. Ваше имя также будет в течение двух лет удалено из общенациональных списков компаний, предоставляющих кредитные отчеты для предварительной проверки маркетинговых предложений по кредитам и страхованию.


    Уплаченный просроченный долг (Paid collection)

    Уплаченный просроченный долг — это счет, который подлежал взысканию, потому что был просрочен, а затем был оплачен.

    Подробнее (на английском языке)


    Замораживание кредита (Security freeze)

    «Замораживание кредита» в вашем кредитном отчете не позволяет новым кредиторам получить доступ к вашей кредитной истории, а другим лицам — открывать счета на ваше имя до тех пор, пока вы не снимете замораживание. Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя.


    Компания по предоставлению информации о кредитоспособности потребителей (Specialty consumer reporting company)

    Компании, предоставляющие информации о кредитоспособности потребителей, собирают и обмениваются информацией о вашей истории трудоустройства, истории транзакций с бизнесом или истории погашения кредита за конкретный продукт или услугу.


    Отчет о проверке арендатора (Tenant screening report)

    Отчет, используемый арендодателями для принятия решений о возможных арендаторах. Отчет о проверке арендатора может содержать информацию из многих источников, включая вашу историю аренды и кредитные отчеты.

    Подробнее (на английском языке)


    Неполноценное кредитное досье / Отсутствие кредитного досье (Thin credit file / No credit file)

    Неполноценное кредитное досье или отсутствие кредитного досье означает, что у человека нет кредитной истории или недостаточно текущей кредитной истории для получения кредитного рейтинга. Смотрите раздел: Кредитные невидимки

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    Кредитный консультант (Credit counselor)

    Кредитные консультанты могут помочь в следующих случаях:

    • Консультировать вас по управлению вашими деньгами и долгами
    • Помочь составить бюджет
    • Обычно предлагают бесплатные учебные материалы и семинары
    • Как правило, кредитные консультанты сертифицированы и обучены в области потребительского кредита, управления денежными средствами и долгом, а также составления бюджета. Консультанты обсудят с вами всю вашу финансовую ситуацию и помогут разработать индивидуальный план решения ваших денежных проблем.

    Правило взыскания задолженности (Debt Collection Rule)

    Бюро по защите прав потребителей финансовых услуг (CFPB) издало «правила», вступившие в силу 30 ноября 2021 года, которые разъясняют и толкуют федеральный Закон о добросовестной практике взыскания задолженности (FDCPA).

    Подробнее (на английском языке)

    Коллектор задолженности (Debt collector)

    В соответствии с федеральным Законом о добросовестной практике взыскания задолженности взысканием задолженности обычно занимается физическое лицо или компания, которые регулярно осуществляют взыскание задолженностей, причитающиеся другим, обычно когда эти долги просрочены.

    К коллекторам задолженности относятся агентства по взысканию задолженности или юристы, которые осуществляют взыскание задолженностей как часть своего бизнеса. Существуют также компании, которые покупают просроченные задолженности у кредиторов или других бизнесов, а затем пытаются их взыскать. Эти коллекторы задолженностей также называются агентствами по взысканию задолженностей, компаниями по взысканию задолженностей или покупателями задолженностей.


    Услуги по урегулированию (выплате) задолженности (Debt settlement (relief) services)

    Компании по урегулированию задолженности — это компании, которые заявляют, что могут пересмотреть, урегулировать или каким-либо образом изменить условия задолженности человека перед кредитором или коллектором задолженности. Работа с компаниями по урегулированию задолженности может быть рискованной. Читать подробнее

    Закон о добросовестной практике взыскания задолженности (Fair Debt Collection Practices Act - FDCPA)

    Закон о добросовестной практике взыскания задолженности (FDCPA) является основным федеральным законом, регулирующим практику взыскания задолженности. FDCPA запрещает компаниям по взысканию задолженности использовать оскорбительные, несправедливые или вводящие в заблуждение методы для взыскания ваших задолженностей. Ознакомьтесь с подробной информацией о ваших правах в соответствии с законом FDCPA.

    Наложение ареста на имущество должника у третьего лица (Garnishment)

    Удержание задолженности из заработной платы или с банковского счета происходит, когда кредитор забирает часть вашей зарплаты или денег с вашего банковского счета для взыскания задолженности. Наложение ареста на имущество должника у третьего лица обычно требует судебного приказа на основании судебного решения. Однако некоторые долги государству также могут привести к наложению ареста на имущество должника у третьего лица, даже без судебного решения.

    Законы штата и федеральные законы имеют ограничения или «исключения», в отношении сумм, которые берутся с банковского счета и заработной платы, обычно для того, чтобы убедиться, что у вас остались средства на жизнь. Также нарушением Закона о добросовестной практике взыскания задолженности (FDCPA) является угроза со стороны коллектора, что на вашу заработную плату будет наложен арест, если ваша заработная плата не может быть арестована на законных основаниях.

    Преследование со стороны коллектора задолженности (Harassment by a debt collector)

    В Законе о добросовестной практике взыскания задолженности (FDCPA) говорится, что коллекторы задолженности не могут преследовать, притеснять или оскорблять вас или кого-либо еще, с кем они контактируют.

    Притеснения со стороны коллекторов задолженности могут принимать разные формы. Примеры включают повторяющиеся телефонные звонки, которые предназначены для того, чтобы раздражать, оскорблять или беспокоить вас или любого человека, отвечающего на звонок; нецензурная брань или ненормативная лексика; угрозы насилием или причинением вреда; публикация списков людей, которые отказываются платить по своим задолженностям (это не включает предоставление информации в кредитную компанию); и звонят без указания того, кто они такие.


    Судебное решение (Judgment)

    Судебное решение является официальным результатом судебного разбирательства. В исках о взыскании задолженности судья может вынести решение против вас в пользу кредитора или коллектора задолженности. Если вы не ответите на юридическое заявление о возбуждении дела, вы потеряете возможность защитить себя и можете обнаружить, что против вас вынесено судебное решение.

    Если кто-то подает на вас в суд или если кто-то получил судебное решение против вас, и вы не знаете, что делать, проконсультируйтесь с адвокатом. Некоторые адвокаты могут предлагать бесплатные услуги или взимать сниженную плату. В вашем районе также могут быть бюро юридической помощи или юридические клиники , которые будут предлагать свои услуги бесплатно, если вы соответствуете определенным критериям. Военнослужащие должны проконсультироваться в своем местном офисе военно-юридической службы JAG .


    Сообщение с ограниченным содержанием (Limited-Content Message)

    В соответствии с Правилом взыскания задолженностей (Debt Collection Rule) это сообщение голосовой почты для потребителя, которое должно содержать определенную необходимую информацию и может содержать другой необязательный контент.

    Подробнее (на английском языке)

    Первоначальный кредитор (Original creditor)

    В общем случае, первоначальным кредитором является компания, которая предоставила вам ссуду или кредит. Первоначальный кредитор может попытаться взыскать просроченный кредитный счет самостоятельно или нанять коллектора задолженности. Первоначальный кредитор также может продать ваш кредитный счет коллектору задолженности. Коллектор задолженности — это, как правило, третье лицо, с которым был заключен контракт специально для взыскания задолженности вашего счета, или кто-то, кто приобрел его у первоначального кредитора или другого коллектора задолженности или покупателя задолженности.

    Срок исковой давности (Statute of limitations)

    Срок исковой давности — это ограниченный период времени, в течение которого кредиторы или коллекторы задолженности должны подать иск в суд для взыскания задолженности. Большинство сроков исковой давности составляют от трех до шести лет, хотя в некоторых юрисдикциях они могут быть дольше. Сроки исковой давности могут различаться в зависимости от законов штата, типа вашей задолженности или закона штата, указанного в вашем кредитном соглашении.

    Уведомление о валидации (Validation Notice)

    Коллектор задолженности обязан предоставить определенную информацию при первом общении с потребителем или вскоре после этого. Когда коллектор задолженности предоставляет эту необходимую информацию в электронном или письменном виде, это называется уведомлением о валидации.

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    Основные термины по мошенничеству и аферам

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    Финансовая эксплуатация пожилых людей (Elder financial exploitation)

    Финансовая эксплуатация пожилых людей — это незаконное или ненадлежащее использование средств, имущества или активов пожилых людей. Это наиболее распространенная форма жестокого обращения с пожилыми людьми, но сообщается лишь о небольшой части таких случаев.

    Преступниками могут быть незнакомцы, завоевавшие доверие пожилых людей, но это также могут быть члены семьи или друзья. Важно знать настораживающие признаки.

    Подробнее (на английском языке).

    Мошенническое предложение помощи при потере права выкупа (Foreclosure relief scam)

    Мошенническое предложение помощи при потере права выкупа и модификации ипотечного кредита — это схемы, направленные на то, чтобы забрать ваши деньги или ваш дом, часто путем ложного обещания спасти вас от потери права выкупа. Эти мошенники могут попросить деньги заранее и гарантировать, что вы можете изменить условия ипотеки. Если у вас возникли проблемы с выплатой ипотечного кредита, консультационное агентство, одобренное Министерством жилищного строительства и городского развития США (HUD), может бесплатно помочь вам с выбором вариантов.

    Предупреждение о мошенничестве для его предотвращения (Fraud alert for prevention)

    Предупреждение о мошенничестве — это то, что вы можете использовать, чтобы уменьшить вероятность того, что вы станете жертвой хищения личных данных для создания нового счета. Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, эта компания должна уведомить другие.

    Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения. Военнослужащим доступна дополнительная опция — предупреждение для лиц на действительной военной службе, которое обеспечивают защиту военнослужащих, пока они находятся на действительной службе.

    Подробнее (на английском языке).


    Мошенничество со стороны фидуциариев (Fraud by fiduciaries)

    Фидуциарий — это лицо, которое управляет деньгами или имуществом кого-то другого. Например, агенты, действующие по доверенности, и назначенные судом опекуны являются фидуциариями.

    Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах. Когда фидуциарий тратит деньги в своих интересах, это может являться мошенничеством.

    Хищение личных данных (Identity theft)

    Хищение личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества.

    Кража ваших личных данных может означать использование личной информации без вашего разрешения, такой как ваше имя и фамилия, номер социального обеспечения, информация о банковском счете или номер кредитной карты. Федеральная торговая комиссия (Federal Trade Commission) предлагает информацию о предотвращении хищения личных данных и реагировании на нее.

    Мошенничество самозванцев (Imposter scams)

    Мошенники-самозванцы пытаются убедить вас отправить деньги, выдавая себя за человека, которого вы знаете или которому доверяете, например, за шерифа, сотрудника местного, штатного или федерального правительства или благотворительной организации. Помните, что идентификатор вызывающего абонента может быть поддельным. Вы всегда можете позвонить в организацию или государственное учреждение и спросить, работает ли у них этот человек, прежде чем давать какие-либо деньги.

    Мошенничество с использованием почты (Mail fraud)

    Письма при мошенничестве с использованием почты выглядят настоящими, но содержащиеся в них обещания являются ложными. Типичный настораживающий признак — это письмо с просьбой отправить деньги или личную информацию сейчас, чтобы получить что-то ценное после того, как вы отправите деньги или информацию.


    Фишинг (Phishing)

    При фишинге мошенник выдает себя за компанию или человека, чтобы обманом заставить вас сообщить свои личные данные, например пароли, номера кредитных карт или информацию о банковских счетах. Мошенник может использовать фальсифицированные электронные письма, текстовые сообщения или веб-сайты, чтобы украсть у вас эту информацию. Эти электронные письма могут выглядеть подлинными.


    «Замораживание кредита» для предотвращения мошенничества (Security freeze for prevention)

    «Замораживание кредита» не позволяет новым кредиторам получить доступ к вашему кредитному досье, а другим лицам не позволяет открывать на ваше имя счета, требующие проверки кредитоспособности, до тех пор, пока вы не отмените замораживание.

    Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя. Имейте в виду, что замораживание кредита не помешает похитителям личных данных завладеть существующими счетами.

    Подробнее (на английском языке).



    Спуфинг (Spoofing)

    Спуфинг происходит, когда вызывающий абонент маскирует информацию, отображаемую в вашем идентификаторе вызывающего абонента. Это дает звонящему возможность замаскировать или «подделать» имя и/или номер телефона, чтобы это выглядело так, как будто он звонит как определенный человек из определенного места.



    Мошенничество с электронными или денежными переводами (Wire or money transfer fraud)

    Некоторые мошенники обманом заставляют вас пересылать или переводить деньги, чтобы их у вас украсть. Одним из распространенных примеров мошенничества с электронными переводами денег является «мошенничество с бабушкой и дедушкой». Это происходит, когда мошенник, выдающий себя за внука или друга внука, звонит и говорит, что находится в чужой стране или в какой-то опасной ситуации, и ему нужно немедленно перевести или отправить деньги.

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    How to avoid foreclosure (in Russian)
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    Как избежать лишения права выкупа

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    Самое важное, что вы можете сделать, когда у вас возникают проблемы с выплатой ипотечного кредита, — это взять ситуацию под контроль. В большинстве случаев худшее из того, что вы можете сделать, это ничего не делать. Взять ситуацию под контроль означает предпринять четыре шага:

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    1. Позвоните о помощи или отвечайте на звонки с предложением помощи

    Взять ситуацию под свой контроль, отвечая на звонки вашего сервисного агента по ипотеке. Еще лучше позвонить своему сервисному агенту по ипотеке, как только вы узнаете, что не можете внести свой ежемесячный платеж. Номер телефона указан в ежемесячном счете. Сообщите своему сервисному агенту, почему вы не можете внести свой ежемесячный платеж, и попросите его помочь избежать лишения права выкупа.

    2. Обратитесь за бесплатной помощью к специалисту

    Ваш сервисный агент может помочь, если у вас возникнут проблемы с платежами по кредиту. Если вы не можете получить то, что вам нужно, от сервисного агента, обратитесь за помощью к специалисту в консультационные агентства по жилищным вопросам рядом с вами. Консультанты могут разработать индивидуальный план действий и помочь вам работать с вашей ипотечной компанией. Посетите веб-сайт consumerfinance.gov/mortgagehelp (читать на английском) или позвоните по телефону (800)-569-4287 и введите свой почтовый индекс, чтобы найти консультанта по жилищным вопросам, одобренного HUD (Министерством жилищного строительства и городского развития США).

    3. Разоблачайте мошенников

    Мошенники пытаются использовать в своих интересах домовладельцев, попавших в беду, беря с них большие деньги — даже тысячи долларов — за ложные обещания помощи. Вы не должны платить никому за то, чтобы помочь вам избежать лишения права выкупа. Помощь, в которой вы нуждаетесь, может быть предоставлена бесплатно вашим сервисным агентом или консультационным агентством по вопросам жилья, одобренным HUD.

    4. Подайте заявление на помощь

    Ваш сервисный агент кредита должен связаться с вами, предоставить вам точную информацию и сообщить вам о вариантах уменьшения убытков, на которые вы можете иметь право. Уменьшение убытков относится к способам, с помощью которых ваш сервисный агент может работать с вами, чтобы избежать лишения права выкупа. Если вы отправите заполненное заявление своему сервисному агенту ипотеки достаточно рано, ваш сервисный агент ипотеки должен будет сообщить вам о вариантах, которые у вас есть, чтобы сохранить свой дом или, если это более целесообразно, покинуть свой дом.

    Жилищные консультанты имеют большой опыт оказания помощи людям для предотвращения лишения права выкупа. Они могут помочь вам со сложными шагами, чтобы понять ваши варианты и обратиться за помощью.

    Ваш сервисный агент по ипотеке не может направить первое уведомление или подать заявление о лишении права выкупа,пока вы не задержите свои платежи более чем на 120 дней. Кроме того, когда вы подаете полное заявление на получение ипотечной помощи достаточно рано, сервисный агент по ипотеке не может начать процесс лишения права выкупа, пока вас оценивают или если вы выполняете требования по модификации кредита. Поэтому делайте это без промедления. Чем раньше вы заполните заявление, тем больше защиты вы получите.

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    Как распознать мошенничество, связанное с лишением права выкупа

    Мошенники в области лишения права выкупа могут обещать вам спасти ваш дом от лишения права выкупа, хотя на самом деле они просто забирают ваши деньги.

    Обратите внимание на следующие настораживающие признаки мошенничества:

    • Вас просят предварительно заплатить за помощь.
    • Компания гарантирует, что условия вашей ипотеки будут изменены.
    • Компания гарантирует, что вы не потеряете свой дом.
    • Вас просят передать право собственности на ваш дом или подписать другие документы, содержание которых вы не понимаете.
    • Вам предлагают отправить платеж кому-то другому, а не вашей ипотечной компании или сервисному агенту.
    • Компания предлагает выполнить «судебно-бухгалтерскую экспертизу».
    • Вам предлагают прекратить платежи по ипотеке.

    Компания утверждает, что она связана с правительством, или использует логотип, который выглядит как государственная печать, но с незначительными отличиями.

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    Подайте жалобу на финансовый продукт или услугу

    Каждую неделю мы отправляем компаниям для ответа более 10 000 жалоб на финансовые продукты и услуги. Если другое агентство сможет оказать более эффективную помощь, мы отправим вашу заявку им и сообщим вам. Большинство компаний отвечают в течение 15 дней.

    • Онлайн (Читать на английском)
    • Или позвоните по телефону (855) 411-2372 для получения помощи на английском, и 180 других языках. Время ожидания ответа обычно составляет менее 1 минуты. Ваша жалоба будет переведена на английский язык и отправлена компании для ответа. Когда компания отвечает, она обычно делает это на английском языке, но вы можете позвонить нам, чтобы услышать перевод ответа.
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    Mortgages key terms (in Russian)
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    Основные термины ипотеки

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    Ипотека с регулируемой процентной ставкой 5/1 (5/1 Adjustable Rate Mortgage)

    Ипотека с регулируемой процентной ставкой 5/1 (ARM) или 5-летняя ARM — это ипотечный кредит, где «5» — это количество лет, в течение которых ваша первоначальная процентная ставка будет оставаться фиксированной. «1» показывает, как часто ваша процентная ставка будет корректироваться после окончания первоначального пятилетнего периода. Наиболее распространенными фиксированными периодами являются 3, 5, 7 и 10 лет, а «1» — наиболее распространенный период регулирования ставки. Важно внимательно прочитать контракт и задать вопросы, если вы рассматриваете возможность использования ARM.

    Узнайте больше об изменении регулируемых процентных ставок.



    Правило платежеспособности (Ability-to-repay rule)

    Правило платежеспособности — это разумное и добросовестное определение, которое большинство ипотечных кредиторов должны сделать о том, способны ли вы погасить кредит.

    Подробнее (на английском языке)


    Ипотека с регулируемой процентной ставкой (Adjustable Rate Mortgage - ARM)

    Ипотека с регулируемой процентной ставкой (ARM) — это тип кредита, процентная ставка по которому может меняться, обычно в зависимости от индексной процентной ставки. Ваш ежемесячный платеж будет увеличиваться или уменьшаться в зависимости от первоначального периода кредита, верхних пределов процентных ставок и индексной процентной ставки. При ARM процентная ставка и ежемесячный платеж могут начаться ниже, чем для ипотеки с фиксированной процентной ставкой, но как процентная ставка, так и ежемесячный платеж могут существенно возрасти.

    Узнайте больше о том, как работают ARM и что следует учитывать.



    Амортизация (Amortization)

    Амортизация означает погашение кредита регулярными платежами с течением времени, так что сумма, которую вы должны, уменьшается с каждым платежом. Большинство кредитов на покупку жилья амортизируются, но некоторые ипотечные кредиты амортизируются не полностью, а это означает, что вы все равно должны деньги после внесения всех платежей.

    Некоторые кредиты на покупку жилья допускают платежи, которые покрывают только сумму причитающихся процентов или сумму меньше, чем причитающиеся проценты. Если платежи меньше суммы процентов, причитающихся каждый месяц, остаток по ипотеке будет расти, а не уменьшаться. Это называется отрицательной амортизацией. Другие кредитные программы, которые не полностью амортизируются в течение срока кредита, могут потребовать большой единовременной выплаты в конце срока кредита. Убедитесь, что вы знаете, какой тип кредита вы берете.

    Дополнительная информация о процессе покупки дома.



    Сумма финансирования (Amount financed)

    Это означает сумму денег, которую вы занимаете у кредитора, за вычетом большей части авансовых платежей, которые кредитор взимает с вас.

    Подробнее (на английском языке)


    Годовой доход (Annual income)

    Годовой доход является одним из факторов при подаче заявки на ипотечный кредит и обычно означает ваш общий заработанный доход за год до вычета налогов. Годовой доход может включать доход от работы на полный или неполный рабочий день, самозанятость, чаевые, комиссионные, сверхурочные, бонусы или другие источники. Кредитор будет использовать информацию о вашем годовом доходе и ваших существующих ежемесячных задолженностях, чтобы определить, есть ли у вас возможность погасить кредит.

    Будет ли кредитор полагаться на конкретный источник дохода или размер дохода при рассмотрении вашей кандидатуры на получение кредита, часто зависит от того, можете ли вы обоснованно ожидать, что доход будет продолжаться.

    Узнайте больше о том, почему ваша платежеспособность важна для кредиторов.



    Годовая процентная ставка (Annual Percentage Rate - APR)

    Годовая процентная ставка (APR) является более широкой мерой стоимости заимствования денег, чем процентная ставка. Годовая процентная ставка отражает процентную ставку, любые дополнительные комиссионные сборы по ипотечному кредиту, сборы ипотечного брокера и другие сборы, которые вы платите, чтобы получить кредит. По этой причине ваша APR обычно выше, чем ваша процентная ставка.

    Узнайте, как сравнивать APR



    Плата за оценку стоимости недвижимости (Appraisal fee)

    Плата за оценку стоимости недвижимости — это расходы на оценку дома, который вы планируете купить или которым уже владеете. Оценка стоимости дома обеспечивает независимую оценку стоимости имущества. В большинстве случаев выбор оценщика и любые связанные с этим расходы зависят от вашего кредитора.

    Дополнительная информация о процессе покупки дома.



    Автоматическое дебетование (Automatic payment)

    Автоматические платежи позволяют установить повторяющиеся платежи по ипотеке через ваш банк. Автоматические платежи могут быть удобным способом обеспечить своевременные платежи.



    Шаровой ипотечный кредит (Balloon loan)

    Для ипотечных кредитов шаровой ипотечный кредит означает больше, чем обычно кредит, единовременный платеж, как правило, в конце срока кредита. Этот единовременный платеж называется «шаровым платежом», и он больше, чем другие ваши платежи, а иногда и намного больше. Если вы не можете заплатить сумму шарового платежа, вам, возможно, придется провести рефинансирование, продать свой дом или столкнуться с потерей права выкупа.

    Узнайте, почему шаровые кредиты могут быть рискованными.


    Двухнедельный платеж (Bi-weekly payment)

    При плане двухнедельных платежей сервисный агент ипотеки собирает половину вашего ежемесячного платежа каждые две недели, что приводит к 26 платежам в течение года (в целом один дополнительный месячный платеж в год). Внося дополнительные платежи и относя платежи к основной сумме кредита, вы можете погасить кредит досрочно. Прежде чем выбрать двухнедельный платеж, обязательно ознакомьтесь с условиями кредита, чтобы узнать, не будет ли в таком случае применяться штраф за досрочное погашение кредита. Проверьте, не взимает ли ваш сервисный агент какие-либо сборы за план двухнедельных платежей. Вы можете достичь той же цели без уплаты сборов, внося дополнительный ежемесячный платеж по ипотеке каждый год.



    Раскрытие информации о закрытии сделки (Closing Disclosure)

    Раскрытие информации о закрытии сделки — это обязательная пятистраничная форма, в которой содержится окончательная подробная информация о выбранном вами ипотечном кредите. Эта форма включает в себя условия кредита, ваши прогнозируемые ежемесячные платежи, а также сумму, которую вы будете платить в виде сборов и других расходов, чтобы получить ипотечный кредит.

    Узнайте, как дополнительно проверить правильность всех сведений о вашем кредите в раскрытии информации о закрытии сделки.



    Кредит на строительство (Construction loan)

    Кредит на строительство обычно представляет собой краткосрочный кредит, который предоставляет средства для покрытия расходов на строительство или восстановление дома.

    Подробнее (на английском языке)



    Стандартный кредит (Conventional loan)

    Стандартный кредит — это любой ипотечный кредит, который не застрахован и не гарантирован государством (например, в рамках кредитных программ Федерального управления жилищного строительства (Federal Housing Administration), Администрации по делам ветеранов (Department of Veterans Affairs) или Департамента сельского хозяйства (Department of Agriculture)).

    Узнайте больше о стандартных кредитах и других типах кредитов.


    Со-поручитель или со-заемщикm (Co-signer or co-borrower)

    Со-поручитель или со-заемщик — это лицо, которое соглашается вместе с вами взять на себя полную ответственность по выплате ипотечного кредита. Этот человек обязан оплатить любые пропущенные платежи и даже полную сумму кредита, если вы не платите. В некоторых ипотечных программах со-поручителем считается лицо, не имеющее права собственности и не имеющее доли владения в заложенном доме. Наличие со-поручителя или со-заемщика по вашему ипотечному кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Но кредитная история и финансы вашего со-поручителя или со-заемщика находятся под угрозой, если вы не погасите кредит.

    Дополнительная информация о процессе покупки дома.



    Кредитная история (Credit history)

    Кредитная история — это информация о ваших кредитных счетах и вашей истории своевременной оплаты, отраженная в вашем кредитном отчете. Компании, предоставляющие информации о кредитоспособности потребителей, также известные как компании кредитных историй, собирают и обновляют информацию о вашей кредитной истории и предоставляют ее другим компаниям, которые используют ее для принятия решений о вас. Кредитный отчет содержит информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Узнайте больше о проверке своей кредитной истории перед покупкой дома.



    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов. Кредиторы используют ваш кредитный рейтинг и информацию в вашем кредитном отчете, чтобы определить, имеете ли вы право на получение кредита и какую процентную ставку вам предложить.

    Узнайте, как получить копию ваших кредитных отчетов.



    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Существуют разные рейтинговые модели, поэтому у вас нет только одного кредитного рейтинга. Ваш кредитный рейтинг зависит от вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Узнайте где вы можете получить свой кредитный рейтинг.



    Коэффициент задолженности (Debt ratio)

    Ваше отношение задолженности к доходу — это все ваши ежемесячные платежи по задолженностям, разделенные на ваш валовой месячный доход. Это число является одним из способов, которым кредиторы измеряют вашу способность осуществлять ежемесячные платежи, чтобы выплатить деньги, которые вы планируете занять.

    Узнайте, как рассчитать отношение задолженности к доходу.



    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа (Deed-in-lieu of foreclosure)

    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа — это соглашение, при котором вы добровольно передаете право собственности на свой дом кредитору, чтобы избежать процесса о потере права выкупа. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа может помочь вам избежать личной ответственности за любую оставшуюся сумму на ипотеке. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа является одним из способов уменьшения потерь.



    Просроченный платеж (Delinquent)

    Просроченный платеж — это еще один термин, обозначающий задержку платежей. Ваш кредит может стать просроченным, если вы пропустите платеж или не сделаете полный платеж в установленный срок. После того, как вы просрочили платеж в течение определенного периода времени, кредитор или сервисный агент могут начать процесс потери права выкупа. Этот срок может варьироваться в зависимости от штата.

    Федеральные правила могут также применяться в отношении того, когда может начаться процесс потери права выкупа. Узнайте больше о возможных вариантах, если вы не можете выплатить ипотечный кредит.



    Положение о требовании досрочного погашения кредита (Demand feature)

    В раскрытие информации о закрытии сделки имеется заявление, которое гласит: «Ваш кредит имеет положение о требовании досрочного погашения кредита», которое отмечено как «да» или «нет». Положение о требовании досрочного погашения кредита позволяет кредитору требовать досрочное погашения кредита.

    Подробнее (на английском языке)  



    Первоначальный взнос (Down payment)

    Первоначальный взнос — это сумма, которую вы платите за дом авансом. Вы платите процент от стоимости дома, а остальную часть занимаете через ипотечный кредит. Как правило, чем больше первоначальный взнос, тем ниже процентная ставка, которую вы получите, и тем больше вероятность того, что вам утвердят кредит.

    Узнайте больше об определении первоначального взноса.



    Программы или гранты для первоначального взноса (Down payment programs or grants)

    Программа или грант для первоначального взноса обычно относится к помощи, предоставляемой такой организацией, как правительство или некоммерческое агентство, покупателю жилья, чтобы помочь ему с первоначальным взносом на покупку дома. Средства могут быть предоставлены в виде прямого гранта или могут требовать погашения, например, при продаже дома.

    Узнайте, где можно получить информацию о программах и грантах для первоначального взноса.  



    Задаток (Earnest money)

    Задаток — это депозит, который покупатель платит, чтобы продемонстрировать добросовестность подписанного контракта на покупку дома. Этот депозит удерживается продавцом или третьей стороной, такой как агент по недвижимости или компания по проверке права собственности на недвижимость. Если продажа дома завершена или «сделка закрыта», задаток может быть использован для расходов на закрытие сделки или первоначальный взнос. Если договор расторгнут по уважительной причине, задаток возвращается покупателю. Если покупатель действует недобросовестно, задаток может быть конфискован и выплачен продавцу.

    Дополнительная информация о процессе покупки дома.



    Собственный капитал домовладельца (Equity)

    Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость.

    Узнайте, что такое кредит под залог жилой недвижимости.



    Условное депонирование (Escrow)

    Счет условного депонирования создается вашим ипотечным кредитором для оплаты определенных расходов, связанных с недвижимостью, таких как налоги на недвижимость и страхование недвижимости. Часть вашего ежемесячного платежа поступает на этот счет. Если у вашей ипотеки нет счета условного депонирования, вы напрямую оплачиваете расходы, связанные с недвижимостью.

    Узнайте больше о том, как условное депонирование влияет на ваш ежемесячный платеж по ипотеке.



    Fannie Mae

    Федеральная национальная ипотечная ассоциация (Fannie Mae) покупает и гарантирует ипотечные кредиты у кредитных учреждений с целью повысить доступность кредитования. Fannie Mae не является федеральным агентством. Это спонсируемое государством предприятие, находящееся под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.  



    Плата за финансирование FHA (FHA funding fee)

    Федеральное управление жилищного строительства (FHA) требует взимать плату за финансирование FHA и ежемесячный страховой взнос (MIP) для большинства своих программ для одной семьи. Этот авансовый взнос по ипотечному страхованию иногда называют авансовым взносом по ипотечному страхованию (UFMIP).

    Узнайте, подходит ли вам ипотека FHA.



    Кредит FHA (FHA loan)

    Кредиты FHA — это кредиты от частных кредиторов, которые регулируются и застрахованы Федеральным управлением жилищного строительства (FHA). Кредиты FHA отличаются от стандартных кредитов, потому что они допускают более низкий кредитный рейтинг и первоначальный взнос всего 3,5 процента от общей суммы кредита. Максимальная сумма кредита зависит от административного округа.

    Узнайте об этом и других вариантах ипотечного кредита.



    Лимиты ипотеки FHA (FHA mortgage limits)

    Лимиты ипотеки FHA — это лимиты суммы в долларах для соответствующих критериям ипотечных кредитов, которые FHA застрахует в рамках своей односемейной программы ипотечного кредитования. Эти лимиты зависят от местоположения и могут пересматриваться каждый год.

    Воспользуйтесь инструментом FHA для поиска кредитных лимитов на уровне административного округа .



    Стоимость всех элементов кредита (Finance charge)

    Стоимость всех элементов кредита — это общая сумма процентов и сборов по кредиту, которые вы будете платить в течение всего срока действия ипотечного кредита.

    Подробнее (на английском языке)



    Программы кредитования для лиц, впервые приобретающих недвижимость (First-time home buyers (FTHB) loan programs)

    Лица, впервые приобретающие недвижимость (FTHB), могут использовать различные типы кредитных программ для покупки своего первого дома. Популярные кредиты для FTHB включают программы, предлагаемые Федеральным управлением жилищного строительства (FHA), Администрацией по делам ветеранов (VA), Министерством сельского хозяйства США (USDA), Fannie Mae и Freddie Mac с низким первоначальным взносом. Некоторые программы определяют FTHB как человека, который не покупал дом в течение трех или более лет.

    Ознакомьтесь с вариантами кредита.



    Ипотека с фиксированной процентной ставкой (Fixed-rate mortgage)

    Ипотека с фиксированной процентной ставкой — это тип кредита на покупку жилья, для которого процентная ставка устанавливается при получении кредита и не меняется в течение срока кредита.

    Узнайте больше о том, как работает ипотека с фиксированной процентной ставкой и что следует учитывать.  



    Отказ от принудительного взыскания ипотечной кредитной задолженности (Forbearance)

    Отказ от принудительного взыскания ипотечной кредитной задолженности — это когда ваш сервисный агент позволяет вам временно платить по ипотечному кредиту по более низкой процентной ставке или временно приостановить выплату по ипотечному кредиту. Ваш сервисный агент может отказаться от принудительного взыскания ипотечной кредитной задолженности, если, например, вы недавно потеряли работу, пострадали от стихийного бедствия, болезни или травмы, которые увеличили ваши расходы на медицинское обслуживание. Отказ от принудительного взыскания ипотечной кредитной задолженности — это один из способов уменьшения потерь.

    Узнайте больше об отказе от принудительного взыскания ипотечной кредитной задолженности

    В зависимости от вида кредита возможны разные варианты отказа от принудительного взыскания ипотечной кредитной задолженности. Вы должны связаться с сервисным агентом кредита, чтобы запросить отказ от принудительного взыскания ипотечной кредитной задолженности. Помните, что вам придется компенсировать эти пропущенные или сокращенные платежи, когда ваш период отказа от принудительного взыскания ипотечной кредитной задолженности закончится.



    Принудительная страховка (Force-placed insurance)

    Ваш сервисный агент может потребовать принудительное страхование, если у вас нет собственного страхового полиса или если ваш собственный страховой полис не соответствует требованиям вашего сервисного агента. Принудительная страховка обычно защищает только кредитора, а не вас. Сервисный агент взимает с вас плату за такую страховку. Принудительная страховка обычно дороже, чем самостоятельно найденный страховой полис.



    Потеря права выкупа (Foreclosure)

    Потеря права выкупа – это ситуация, когда кредитор или сервисный агент забирает недвижимость после того, как домовладелец не в состоянии произвести платежи по ипотеке. В некоторых штатах кредитор должен обратиться в суд, чтобы лишить вас права выкупа недвижимости (судебный процесс потери права выкупа), но в других штатах судебный процесс не требуется (внесудебный процесс потери права выкупа). Как правило, заемщики должны быть уведомлены, если кредитор или сервисный агент начинает судебный процесс  потери права выкупа. Федеральные правила могут также применяться в отношении того, когда может начаться процесс  потери права выкупа.
    Если вас беспокоит потеря права выкупа, узнайте, как получить помощь.



    Freddie Mac

    Федеральная корпорация жилищного ипотечного кредита (Freddie Mac) является частной корпорацией, основанной Конгрессом. Ее миссия состоит в том, чтобы способствовать стабильности и доступности на рынке жилья путем приобретения ипотечных кредитов у банков и других кредиторов. В настоящее время эта корпорация находится под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.



    Добросовестная оценка (Good Faith Estimate)

    Добросовестная оценка (GFE) — это форма, которую кредитор должен предоставить вам, когда вы подаете заявление на обратную ипотеку. GFE перечисляет основную информацию об условиях предлагаемого обратного ипотечного кредита.

    Узнайте, когда вы получите добросовестную оценку.  



    Государственные сборы за регистрацию (Government recording charges)

    Государственные сборы за регистрацию – это сборы, взимаемые штатными и местными правительствами за юридическую регистрацию вашего договора за печатью, ипотеки и документов, связанных с вашим кредитом на покупку жилья.

    Подробнее (на английском языке)



    Дорогой ипотечный кредит (Higher-priced mortgage loan)

    Как правило, дорогой ипотечный кредит — это кредит с годовой процентной ставкой, или APR, выше, чем базовая процентная ставка, называемая средней процентной ставкой базового предложения (Average Prime Offer Rate).

    Подробнее (на английском языке)

    Взносы в ассоциацию домовладельцев (HOA dues)

    Если вы заинтересованы в покупке кондоминиума, кооператива, помещения в жилом комплексе или другом организованном сообществе с общими услугами, вы обычно должны платить сборы за квартиру или взносы в ассоциацию домовладельцев (HOA). Эти сборы могут значительно различаться. Сборы за квартиру или взносы в HOA обычно оплачиваются отдельно от ежемесячного платежа по ипотеке. Если вы не заплатите эти сборы, вы можете столкнуться с попытками взыскания задолженности ассоциацией домовладельцев и даже с потерей права выкупа.

    Дополнительная информация о процессе покупки дома.



    Оценка стоимости дома (Home appraisal)

    Оценка стоимости дома – это письменный документ, содержащий информацию о стоимости недвижимости. Оценка стоимости дома дает вам полезную информацию о недвижимости. Она описывает, что делает дом ценным, и может показать, как он сравнивается с другими объектами недвижимости в данном жилом районе. Оценка стоимости дома является независимой оценкой стоимости недвижимости.

    Узнайте больше о том, почему оценки стоимости дома важны.



    Кредитная линия под залог жилой недвижимости (Home equity line of credit - HELOC)

    Кредитная линия под залог жилой недвижимости (HELOC) — это кредитная линия, которая позволяет вам брать кредит под залог собственного капитала домовладельца. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. В отличие от кредита под залог жилой недвижимости, HELOC обычно имеет регулируемые процентные ставки. Для большинства HELOC вы получите специальные чеки или кредитную карту, и вы сможете занимать деньги на определенное время с момента открытия своего счета. Этот период времени известен как «период взятия средств». В течение «периода взятия средств» вы можете занимать деньги, и вы должны вносить минимальные платежи. Когда «период взятия средств» закончится, вы больше не сможете занимать деньги со своей кредитной линии. После окончания «периода взятия средств» вам может потребоваться погасить весь баланс сразу или вам может быть разрешено погасить его в течение определенного периода времени. Если вы не можете погасить HELOC, кредитор может лишить вас права выкупа дома.



    Кредит под залог жилой недвижимости (Home equity loan)

    Кредит под залог жилой недвижимости (иногда называемый HEL) позволяет вам занимать деньги, используя в качестве залога стоимость вашей жилой недвижимости. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. Вы получаете деньги за счет кредита под залог жилой недвижимости в виде единоразового платежа. Кредит под залог жилой недвижимости обычно имеет фиксированную процентную ставку, которая не будет изменяться. Если вы не можете погасить кредит HEL, кредитор может лишить вас права выкупа дома.



    Инспекция дома (Home inspection)

    Инспекция дома часто является частью процесса покупки дома. Как правило, вы имеете право нанять жилищного инспектора для осмотра недвижимости и выявления ее сильных и слабых сторон. Это часто бывает особенно полезно для проверки конструкционных и механических систем дома, включая отопление, вентиляцию, кондиционирование воздуха и электричество.

    Узнайте, как запланировать инспекцию.



    Ассоциация домовладельцев (Homeowners’ Association - HOA)

    Ассоциация домовладельцев (HOA) обычно создается для управления общими расходами, такими как озеленение и другие расходы на содержание жилищного комплекса или другого организованного местного сообщества. HOA кондоминиума берут на себя больше обязанностей, включая, например, обслуживание подъездных дорог, общих строительных конструкций и крыш.

    Получите дополнительную информацию о том, как HOA может отображаться в декларации об ипотеке.



    Страхование недвижимости (Homeowner's insurance)

    Страхование недвижимости покрывает убытки и ущерб вашей недвижимости, если произойдет какое-либо непредвиденное событие, например пожар или кража со взломом. Когда у вас есть ипотечный кредит, ваш кредитор захочет убедиться, что ваша недвижимость защищена страховкой. Поэтому кредиторы обычно требуют доказательств того, что у вас есть страховка недвижимости. Страховка недвижимости отличается от ипотечного страхования.

    Дополнительная информация о процессе покупки дома.



    Цена покупки дома (Home purchase price)

    Цена покупки дома – это сумма, согласованная покупателем и продавцом, которая должна быть выплачена продавцу за покупку дома.

    Узнайте больше о том, как найти подходящий дом.



    HUD

    Министерство жилищного строительства и городского развития США (HUD) — это государственное учреждение, которое помогает людям приобретать и сохранять качественное доступное жилье. Оно обучает и спонсирует консультантов по жилищным вопросам по всей стране. Одобренное HUD консультационное агентство по жилищным вопросам, может предоставить вам консультацию для покупателя жилья, чтобы помочь вам понять и оценить ваши варианты.

    Найдите одобренное HUD консультационное агентство по жилищным вопросам.



    Акт о взаиморасчетах HUD-1 (HUD-1 settlement statement)

    В Акте о взаиморасчетах HUD-1 перечислены все сборы и кредиты покупателю и продавцу при сделке с недвижимостью или все сборы при рефинансировании ипотеки. Вы получаете HUD-1, если подаете заявление на обратную ипотеку или если вы подали заявление на ипотеку 3 октября 2015 года или ранее.

    Узнайте, когда вы получите HUD-1.



    Индекс (Index)

    Индекс представляет собой базовую процентную ставку, отражающую общие рыночные условия. Индекс меняется в зависимости от состояния рынка. Изменения индекса, а также маржа вашего кредита определяют изменения процентной ставки по ипотечному кредиту с регулируемой процентной ставкой.

    Узнайте, как индекс влияет на процентную ставку по ипотечному кредиту с регулируемой процентной ставкой.



    Верхний предел изменения начальной процентной ставки (Initial adjustment cap)

    Верхний предел изменения начальной процентной ставки обычно связан с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько процентная ставка может увеличиться при первом изменении после истечения периода фиксированной процентной ставки. Обычно этот верхний предел составляет два или пять процентов, что означает, что при первом изменении процентной ставки новая процентная ставка не может быть более чем на два (или пять) процентных пункта выше начальной процентной ставки в течение периода фиксированной процентной ставки.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Первоначальный депозит на счет условного депонирования (Initial escrow deposit)

    Первоначальный депозит на счет условного депонирования — это сумма, которую вы заплатите при закрытии сделки, чтобы открыть свой счет условного депонирования, если этого потребует ваш кредитор.

    Подробнее (на английском языке)



    Кредит с выплатой только процентов (Interest-only loan)

    Ипотечный кредит с выплатой только процентов — это кредит с плановыми платежами, по которому вы должны выплачивать только проценты в течение определенного периода времени.

    Подробнее (на английском языке)



    Процентная ставка (Interest rate)

    Процентная ставка по ипотечному кредиту – это выраженная в процентах стоимость, которую вы будете платить каждый год за пользование деньгами. Она не отражает комиссий или любых других сборов, которые вам, возможно, придется заплатить за кредит. Например, если ипотечный кредит составляет 100 000 долларов при процентной ставке 4 процента, этот потребитель согласился платить 4000 долларов каждый год, когда он или она берет взаймы или должен всю эту сумму.

    Изучите процентные ставки в вашем регионе.



    Верхний предел процентной ставки (Interest rate cap)

    Верхний предел процентной ставки, иногда называемый годовым пределом, представляет собой максимальное увеличение процентной ставки, которое может происходить ежегодно для ипотеки с регулируемой процентной ставкой (ARM), даже если ставка увеличилась бы больше при рыночных процентных ставках. Например, если этот верхний предел процентной ставки составляет два процента, новая ставка не может превышать предыдущую более чем на два процентных пункта.

    Узнайте, как кредиторы используют индекс и маржу для регулировки вашей процентной ставки.



    Большой кредит (Jumbo loan)

    Каждый год Fannie Mae, Freddie Mac и их регулирующий орган, Федеральное агентство жилищного финансирования (FHFA), устанавливают максимальную сумму кредита, который они будут покупать у кредиторов.

    Подробнее (на английском языке)



    Страхование правового титула кредитора (Lenders title insurance)

    Страхование правового титула кредитора защищает вашего кредитора от проблем с правом собственности на вашу недвижимость, например, от судебного иска какого-либо лица в отношении дома. Страхование правового титула кредитора защищает только кредитора от проблем с правовым титулом. Чтобы защитить себя, вы можете приобрести страхование правового титула владельца.

    Подробнее (на английском языке)



    Верхний предел изменения процентной ставки в течение срока кредита (Lifetime adjustment cap)

    Верхний предел изменения процентной ставки в течение срока кредита обычно используется с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько может увеличиться процентная ставка в целом за весь срок кредита. Например, если этот верхний предел составляет пять процентов, это означает, что процентная ставка никогда не будет на пять процентных пунктов выше первоначальной процентной ставки. У некоторых кредиторов этот верхний предел может быть другим или более высоким.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Принятие на себя обязательств по ипотечному кредиту (Loan assumption)

    Принятие на себя обязательств по ипотечному кредиту происходит, когда покупатель жилья берет на себя обязательства по ипотеке продавца. Покупателю переходит остаток задолженности по ипотечному кредиту продавца на первоначальных условиях кредитования, например таких, как процентная ставка и оставшийся срок ипотеки. Принятие на себя обязательств по ипотечному кредиту имеет финансовый смысл в тех случаях, когда новые ипотечные кредиты предлагаются по более высоким процентным ставкам, чем при первоначальном получении ипотеки продавцом.

    Разница между ценой продажи дома и остатком по ипотечному кредиту продавца определяет сумму, которую покупатель должен будет выплатить, либо из своего кармана, либо взяв собственный ипотечный кредит.

    Чтобы принять на себя обязательства по ипотечному кредиту продавца, покупатель жилья должен соответствовать определенным критериям. Оценка соответствия обычно основывается на проверки кредитоспособности и доходов покупателя, как и в случае получения нового ипотечного кредита.

    Принятие на себя обязательств по ипотечному кредиту также может быть актуально, когда вы получаете право собственности на недвижимость с непогашенным ипотечным кредитом, например, после смерти бывшего владельца или развода.



    Отсрочка платежей по кредиту (Loan deferment)

    Как правило, заемщики, испытывающие трудности с выплатами по ипотечному кредиту, имеют право обратиться за помощью в финансовое учреждение, обслуживающее ипотеку. Финансовое учреждение, обслуживающее ипотеку, может согласиться на отсрочку платежей по кредиту, что позволяет заемщику избежать лишение права выкупа заложенного имущества за счет отсрочки просроченных платежей по ипотеке. Отсроченная сумма выплачивается, когда заемщик рефинансирует кредит или продаст дом, или ипотека будет прекращена каким-либо иным способом.



    Оценка кредита (Loan estimate)

    Оценка кредита — это трехстраничная форма, которую вы получаете после подачи заявления на ипотечный кредит.

    Подробнее (на английском языке)



    Изменение условий кредитования (Loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь. Изменение условий кредитования может уменьшить ваш ежемесячный платеж до суммы, которую вы можете себе позволить. Изменения условий кредитования могут включать увеличение количества лет, в течение которых вы должны погасить кредит, снижение процентной ставки и/или отсрочку или уменьшение остатка основной суммы кредита. Если вам предлагают изменение условий кредита, убедитесь, что вы знаете, как это изменит ваши ежемесячные платежи и общую сумму, которую вы будете должны в краткосрочной и долгосрочной перспективе.

    Подробнее об изменении условий ипотечного кредита



    Отношение кредита к стоимости (Loan-to-value ratio)

    Отношение кредита к стоимости (LTV) — это показатель, сравнивающий сумму вашего ипотечного кредита с оценочной стоимостью недвижимости. Чем больше ваш первоначальный взнос, тем меньше отношение LTV. Ипотечные кредиторы могут использовать LTV при принятии решения о том, предоставлять ли вам кредит, и определить, потребуется ли им частное ипотечное страхование.

    Узнайте как отношение вашего кредита к стоимости зависит от ваших затрат.



    Уменьшение потерь (Loss mitigation)

    Уменьшение потерь относится к шагам, которые ипотечные сервисные агенты предпринимают для работы с ипотечным заемщиком, чтобы избежать потери права выкупа. Уменьшение потерь относится к ответственности сервисного агента по уменьшению или «смягчению» убытков инвестора, которые могут возникнуть в результате потери права выкупа. Некоторые варианты уменьшения потерь могут помочь вам сохранить свой дом. Другие варианты могут помочь вам избавиться от своего дома без процесса о потере права выкупа. Варианты уменьшения потерь могут включать соглашение о передаче недвижимости во избежание процесса о потере права выкупа, отказ от принудительного взыскания ипотечной кредитной задолженности, план погашения задолженности, продажа недвижимости за цену, которая не покрывает задолженности по ипотеке или изменение условий кредитования.

    Если у вас возникли проблемы с выплатой ипотечных платежей, или если вам предложили и вы рассматриваете различные варианты уменьшения потерь, обратитесь в консультационное агентство по жилищным вопросам, одобренное Департаментом жилищного строительства и городского развития (HUD).

    Вы можете использовать инструмент Бюро по защите прав потребителей финансовых услуг (CFPB) «Find a Counselor» (Найти консультанта), чтобы получить список консультационных агентств по вопросам жилья в вашем районе, одобренных HUD. Вы также можете позвонить на горячую линию HOPE™, которая работает круглосуточно, без выходных, по телефону (888) 995-HOPE (4673).



    Маржа (Margin)

    Маржа — это количество процентных пунктов, добавляемых к индексу ипотечным кредитором для установления вашей процентной ставки по ипотеке с регулируемой ставкой (ARM) после окончания периода первоначальной ставки. Маржа устанавливается в вашем кредитном договоре и не изменяется после закрытия сделки. Размер маржи зависит от конкретного кредитора и кредита.

    Узнайте, как маржа влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Ежемесячные расходы (Monthly expenses)

    Это сумма, которую вы тратите каждый месяц. Она может включать, помимо прочего, длящиеся обязательства, такие как оплата аренды или ипотеки, коммунальные услуги, оплата автомобиля, выплаты алиментов и страховые выплаты, а также предметы первой необходимости, такие как продукты питания. Большинство этих обязательств имеют фиксированную дату уплаты.

    Оцените свои ежемесячные расходы с помощью этого калькулятора расходов.



    Ипотека (Mortgage)

    Ипотека — это соглашение между вами и кредитором, которое позволяет вам занимать деньги для покупки или рефинансирования дома и дает кредитору право забрать вашу собственность, если вы не выплатите взятые взаймы деньги.

    Если вы готовы взять ипотечный кредит, узнайте больше о покупке дома.



    Контрольный список закрытия сделки по ипотеке (Mortgage closing checklist)

    Контрольный список закрытия сделки по ипотеке — это список шагов, которые вы можете использовать, чтобы подготовиться и узнать, чего ожидать. Это может помочь вам определить основные вопросы, которые нужно задать заранее, чтобы вы могли с уверенностью закрыть сделку.

    Используйте этот рабочий лист для подготовки к закрытию сделки.



    Расходы на закрытие сделки по ипотеке (Mortgage closing costs)

    Расходы на закрытие сделки по ипотеке — это все расходы, которые вы будете платить при закрытии сделки по ипотеке. Они включает в себя сборы за инициирование кредита, плату за оценку стоимости недвижимости, расходы на отчет о кредитоспособности, сборы за страхование правового титула и любые другие сборы, требуемые вашим кредитором или оплачиваемые в рамках сделки по ипотеке с недвижимостью. Кредиторы должны предоставить вам сводную информацию об этих расходах в документе Оценка кредита (Loan Estimate).

    Узнайте больше о том, что происходит при закрытии сделки.



    Ипотечное страхование (Mortgage insurance)

    Ипотечное страхование защищает кредитора, если вы просрочили свои платежи. Ипотечное страхование обычно требуется, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости. Ипотечное страхование также обычно требуется для кредитов FHA и USDA. Однако, если у вас есть стандартный кредит и ваш первоначальный взнос составляет менее 20 процентов, у вас, скорее всего, будет частное ипотечное страхование (PMI).

    Поймите, как работает ипотечное страхование



    Изменение условий ипотечного кредитования (Mortgage loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь.

    Подробнее (на английском языке)



    Рефинансирование ипотеки (Mortgage refinance)

    Рефинансирование ипотеки — это ситуация, когда вы берете новый кредит, чтобы погасить и заменить старый кредит. Распространенными причинами рефинансирования являются снижение ежемесячной процентной ставки, уменьшение платежа по ипотечному кредиту или заем дополнительных денег. Когда вы рефинансируете кредит, вы, как правило, должны оплатить расходы на закрытие сделки и сборы. Если вы рефинансируете кредит и получаете более низкий ежемесячный платеж, убедитесь, что вы понимаете, какая часть сокращения связана с более низкой процентной ставкой, а какая — с увеличением срока кредита.

    Должен ли я рефинансировать кредит?

    Руководство для потребителей по рефинансированию ипотеки

    Инструментарий по кредиту на покупку жилья

    Справочник потребителя по ипотечным кредитам с регулируемой процентной ставкой



    Срок ипотеки (Mortgage term)

    Срок ипотечного кредита – это срок, в течение которого вы должны погасить кредит. Для большинства типов недвижимости сроки ипотеки обычно составляют 15, 20 или 30 лет.

    Изучите варианты сроков кредита.



    Сборы за инициирование кредита (Origination Fee)

    Сборы за инициирование кредита — это то, что кредитор взимает с заемщика за предоставление ипотечного кредита. Сборы за инициирование кредита могут включать обработку заявления, андеррайтинг, финансирование кредита, а также другие административные услуги. Сборы за инициирование кредита обычно могут увеличиваться только при определенных обстоятельствах.

    Узнайте больше о расходах на инициирование ипотеки.



    Страхование правового титула владельца (Owner's title insurance)

    Страхование правового титула владельца обеспечивает защиту домовладельца в том случае, если кто-то предъявляет иск и заявляет, что у него есть претензии к дому до того, как домовладелец купил его.

    Подробнее (на английском языке)



    Программа финансирования PACE (PACE financing)

    Программа финансирования внедрения чистых технологий PACE позволяет финансировать повышение энергоэффективности дома.

    Подробнее (на английском языке)



    Частичное требование (Partial claim)

    Частичное требование — это использование ипотечного страхования для того, чтобы помочь домовладельцу, оказавшемуся в тяжелой финансовой ситуации, избежать лишение права выкупа заложенного имущества. Финансовое учреждение, обслуживающее ипотеку, предъявляет требование ипотечному страховщику на сумму всех пропущенных ипотечных платежей, и страховщик откладывает эти деньги на отдельный счет. Затем, когда заемщик рефинансирует ипотеку, продаст дом или иным образом прекратит ипотеку, сумма частичного требования выплачивается финансовому учреждению, обслуживающему ипотеку. Иногда сумма частичного требования не покрывает всей суммы пропущенных платежей, и в таких случаях заемщик должен выплатить разницу.



    Сумма выплаты (Payoff amount)

    Сумма выплаты – это то, сколько вам фактически придется заплатить, чтобы выполнить условия ипотечного кредита и полностью погасить свою задолженность. Сумма выплаты отличается от вашего текущего баланса. Ваш текущий баланс может не отражать, сколько вам на самом деле нужно заплатить, чтобы полностью погасить кредит. Ваша сумма выплаты также включает в себя выплату любых процентов, которые вы должны до дня, когда вы намерены погасить свой кредит. Сумма выплаты может также включать в себя другие сборы, которые вы понесли, но еще не заплатили.



    Приказы о переводе на новое постоянное место службы (PCS orders)

    Военнослужащим, находящимся на действительной военной службе, могут быть отданы приказы о переводе на новое постоянное место службы (PCS). Приказы PCS – это официальное перемещение военнослужащего (и всех членов семьи, проживающих с ним) на другое место службы. Если военнослужащий владеет домом, он может продать его. Если военнослужащий должен за дом больше, чем дом стоит, у него могут возникнуть проблемы с продажей дома. Некоторые сервисные агенты предлагают программы, позволяющие военнослужащим продать свой дом и не выплачивать остаток кредита. Посетите веб-сайт ресурсы для военнослужащих для получения дополнительной информации.



    PITI

    Основная сумма кредита, проценты, налоги и страхование (Principal, Interest, Taxes, and Insurance), известные как PITI, являются четырьмя основными элементами ежемесячного платежа по ипотеке.

    Подробнее (на английском языке)



    PMI

    Частное ипотечное страхование (PMI) — это тип ипотечного страхования, который приносит пользу вашему кредитору. Вас могут обязать оплатить PMI, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости и у вас имеется стандартный кредит. Вы можете отменить PMI, как только вы накопите определенную сумму собственного капитала своего дома.

    Узнайте больше о том, когда требуется PMI



    Заранее выплаченные проценты (Prepaid interest charges)

    Заранее выплаченные проценты — это сборы, подлежащие уплате при закрытии сделки для любых ежедневных процентов, которые начисляются на ваш кредит между датой закрытия вашего ипотечного кредита и периодом, покрываемым вашим первым ежемесячным платежом по ипотечному кредиту.

    Подробнее (на английском языке)



    Штраф за досрочное погашение кредита (Prepayment penalty)

    Штраф за досрочное погашение кредита — это плата, которую некоторые кредиторы взимают, если вы полностью или частично погашаете ипотечный кредит досрочно. Если у вас предусмотрен штраф за досрочное погашение кредита, вы согласились на это, когда закрывали сделку при покупке дома. Не все ипотечные кредиты предусматривают штраф за досрочное погашение кредита.



    Основная сумма кредита (Principal)

    Основная сумма ипотечного кредита, которую вы должны погасить. Ваш ежемесячный платеж включает в себя часть этой основной суммы кредита. При оплате основной суммы кредита заемщик должен меньше и будет платить меньше процентов в зависимости от меньшего размера кредита.

    Понимание разницы между процентной ставкой и основной суммой кредита.



    Налоги на недвижимость (Property taxes)

    Налоги на недвижимость — это налоги, взимаемые местными юрисдикциями, как правило, на уровне административных округов, в зависимости от стоимости облагаемой налогом недвижимости. Часто налоги на недвижимость взимаются в рамках ежемесячного платежа домовладельца по ипотечному кредиту, а затем выплачиваются в соответствующей юрисдикции один или несколько раз в год. Это называется счетом условного депонирования. Если у кредита нет счета условного депонирования, то домовладелец будет платить налоги на недвижимость напрямую.

    Дополнительная информация о процессе покупки дома.



    Соответствующая требованиям ипотека (Qualified mortgage)

    Соответствующая требованиям ипотека — это категория кредитов, которые имеют определенные, более стабильные характеристики, которые повышают вероятность того, что вы сможете позволить себе кредит.

    Подробнее (на английском языке)



    Соответствующий требованиям письменный запрос (Qualified Written Request - QWR)

    Соответствующий требованиям письменный запрос, или QWR, представляет собой письменную корреспонденцию, которую вы или кто-либо, действующий от вашего имени, может направить сервисному агенту ипотеки. Вместо QWR вы также можете отправить своему сервисному агенту Уведомление об ошибке (Notice of Error) или Запрос на предоставление информации (Request for Information).

    Подробнее (на английском языке)



    План погашения задолженности (Repayment plan)

    План погашения задолженности — это структурированный способ компенсировать пропущенные платежи по ипотечному кредиту в течение определенного периода времени. Это один из способов уменьшения потерь. Если у вас возникли проблемы с оплатой ипотечного кредита, ваш кредитор или сервисный агент могут разрешить вам заключить план погашения задолженности. Прежде чем заключить план погашения задолженности, убедитесь, что вы понимаете требования плана и сможете вносить новые платежи.



    Обратная ипотека (Reverse mortgage)

    Обратная ипотека позволяет домовладельцам в возрасте 62 лет и старше брать кредит под залог собственного капитала домовладельца. Это называется «обратной» ипотекой, потому что вместо платежей кредитору вы получаете деньги от кредитора. Полученные вами деньги и проценты, начисленные по кредиту, ежемесячно увеличивают баланс вашего кредита. Большинство обратных ипотек сегодня называются HECM, сокращенно от Ипотека с конверсией собственного капитала домовладельца.

    Узнайте, на что вам следует обратить внимание перед подачей заявления на обратную ипотеку.



    Право отказа от кредита (Right of rescission)

    Право отказа от кредита относится к праву потребителя аннулировать определенные виды кредитов. Если вы покупаете дом в ипотеку, вы не имеете права отказаться от кредита после подписания документов о закрытии сделки. Однако, если вы осуществляете рефинансирование ипотечного кредита, у вас есть время до полуночи третьего рабочего дня после заключения сделки, чтобы расторгнуть (аннулировать) договор об ипотеке. Трехдневный срок не начинается до тех пор, пока вы не подпишете кредитный договор (обычно называемый векселем), не получите форму раскрытия информации по Закону о правде в кредитовании (Truth in Lending disclosure) и не получите две копии уведомления, разъясняющего ваше право на расторжение договора.



    Вторая ипотека (Second mortgage)

    Вторая ипотека или младшее залоговое право — это кредит, который вы берете, используя свой дом в качестве залога, в то время как у вас все еще есть другой кредит, обеспеченный вашим домом.

    Узнайте больше о второй ипотеке.



    Обеспечительный интерес (Security interest)

    Обеспечительный интерес – это то, что позволяет кредитору лишить вас права выкупа, если вы не вернете деньги, которые вы заимствовали.

    Подробнее (на английском языке)



    Финансирование продавцом (Seller financing)

    Финансирование продавцом – это кредит, который предоставляет вам продавец дома.

    Подробнее (на английском языке)



    Сервисный агент (Servicer)

    Сервисный агент вашей ипотеки — это компания, которая отправляет вам декларации об ипотеке. Ваш сервисный агент также выполняет повседневные задачи по управлению вашим кредитом.

    Ваш сервисный агент по кредиту обычно обрабатывает платежи по вашему кредиту, отвечает на запросы заемщика, отслеживает выплату основной суммы кредита и процентов и управляет вашим счетом условного депонирования (если он у вас есть). Сервисный агент по кредиту может инициировать процесс о потере права выкупа при определенных обстоятельствах. Ваш сервисный агент может быть или не быть той же компанией, которая первоначально предоставила вам кредит.



    Ипотека, по условиям которой заемщик должен поделиться прибылью с кредитором (Shared appreciation mortgage)

    В соответствии с ипотекой, по условиям которой заемщик должен поделиться прибылью с кредитором, вы соглашаетесь отдавать своему кредитору долю любого увеличения стоимости вашего дома.

    Подробнее (на английском языке)



    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке (Short sale)

    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке — это продажа вашего дома за меньшую сумму, чем вы должны по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке, является альтернативой потере права выкупа, но поскольку это продажа, вам придется покинуть свой дом. Если ваш кредитор или сервисный агент соглашается на продажу недвижимости за цену, которая не покрывает задолженности по ипотеке, вы можете продать свой дом, чтобы погасить ипотеку, даже если цена продажи или выручка окажутся меньше, чем остаток по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке является способом уменьшения потерь. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей.



    Субстандартный ипотечный кредит (Subprime mortgage)

    Когда кредиторы используют этот термин, они обычно имеют в виду кредитную программу для заемщиков, которые не имеют права на получение стандартного кредита, часто с более высокой процентной ставкой.

    Дополнительная информация о процессе покупки дома.



    Съемка (Survey)

    Съемка — это чертеж вашей недвижимости, показывающий расположение участка, дома и любых других построек, а также любые улучшения недвижимости.

    Подробнее (на английском языке)



    Плата за обслуживание титула (Title service fees)

    Плата за обслуживание титула является частью расходов на закрытие сделки, которые вы платите при получении ипотеки. Когда вы покупаете дом, вы получаете документ, чаще всего называемый договором за печатью (deed), который показывает, что продавец передал вам свое законное право собственности или «титул» на дом. Плата за обслуживание титула — это расходы, связанные с оформлением страховки титула для кредитора.

    Подробнее (на английском языке)



    Общая сумма процентов (Total interest percentage - TIP)

    Общая сумма процентов (TIP) — это раскрытие информации о том, сколько процентов вы заплатите в течение срока действия вашего ипотечного кредита.

    Подробнее (на английском языке)



    Общая сумма платежей (Total of payments)

    Это число говорит вам об общей сумме денег, которую вы выплатите в течение срока действия ипотеки.

    Подробнее (на английском языке)



    TRID

    «TRID» — это аббревиатура, которую некоторые люди используют для обозначения Правило комплексного раскрытия информации в соответствии с Законом о правдивости при кредитовании и Законом о порядке расчётов при заключении сделок с недвижимостью (TILA RESPA Integrated Disclosure rule).

    Подробнее (на английском языке)



    Кредит USDA (USDA loan)

    Служба жилищного строительства в сельской местности (Rural Housing Service), входящая в состав Министерства сельского хозяйства США (USDA), предлагает ипотечные программы без первоначального взноса и, как правило, выгодные процентные ставки для покупателей жилья в сельской местности, отвечающих требованиям Министерства сельского хозяйства США по доходам.

    Узнайте об этой и других специальных программах ипотечного кредита.



    Кредит VA (VA loan)

    Кредит VA — это кредитная программа, предлагаемая Администрацией по делам ветеранов (VA), чтобы помочь военнослужащим, ветеранам и соответствующим критериям пережившим их супругам купить дома. VA не выдает кредиты, но устанавливает правила для тех, кто может претендовать на получение кредита, и условия ипотеки. VA гарантирует часть кредита, чтобы снизить риск потери для кредитора. Кредиты, как правило, доступны только для основного места жительства.

    Если вы ветеран, узнайте, подходит ли вам кредит VA.

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    Поиск ипотеки

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    Поиск ипотечного кредита требует времени и усилий. Но это может сэкономить вам тысячи долларов. Поставьте перед собой цель сравнить как минимум три кредитных предложения от разных кредиторов.

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    Получите как минимум три предварительных одобрения

    Интернет и газеты являются хорошим стартовым пунктом для начала поиска ипотечных кредиторов. Обратитесь к банкам, кредитным союзам и организациями, которые могут специализироваться на вашей ситуации, например, с теми, кто покупает жилье впервые, с ветеранами, работниками государственных и муниципальных служб и т. д.

    Обратитесь за «предварительным одобрением» как минимум к трем разным кредиторам. Это означает, что кредитор проанализирует вашу финансовую ситуацию, включая вашу кредитную историю, и оценит, сколько вы можете занять и какой процент вам, скорее всего, придется платить.

    Предварительное одобрение позволяет вам оценить каждого кредитора и узнать, какие виды кредитов и цены он предлагает. Получение всех трех предварительных одобрений в течение короткого времени не должно сильно повлиять на ваш кредитный рейтинг.

    Когда вы примете определенные решения, вернитесь к этим кредиторам и запросить у них кредитные предложения.

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    Сравните условия кредита, структуры процентных ставок и программы

    Срок кредита: долгосрочный или краткосрочный

    Как правило, кредит с длительным сроком стоит больше в течение срока кредита. Но ваши ежемесячные платежи, как правило, ниже. Вы можете договориться с кредитором о другом сроке кредита, например, на 20 лет, 7 лет или даже более 30 лет.

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    Большинство покупателей жилья выбирают 30-летний кредит, поскольку в этом случае платежи могут быть низкими.

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    Платежи, как правило, выше, чем по 30-летним кредитам, но ваш кредит погашается через 15 лет, и общая стоимость кредита может быть ниже.

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    Структура процентной ставккредита: фиксированная или регулируемая процентная ставка

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    Кредиты с фиксированной процентной ставкой являются популярными. Ваш первоначальный платеж может быть ниже при использовании кредита с регулируемой процентной ставкой, однако если процентные ставки вырастут, вы можете столкнуться с резким увеличением платежей.

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    Ваша процентная ставка и ежемесячный платеж останутся неизменными на протяжении всего срока кредита.

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    Ваша процентная ставка обычно фиксируется в течение первых нескольких лет кредита. По истечении этого фиксированного периода процентная ставка пересматривается на регулярной основе в соответствии с «индексом». Индекс является мерой процентных ставок в целом и отражает тенденции в экономике в целом. Это означает, что сумма вашего платежа может увеличиваться или уменьшаться. Подробная информация содержится в оценке кредита, которую вы получаете от кредитора.

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    Типы кредитных программ: стандартная, FHA (Федеральное управление жилищного строительства США), VA (Администрация по делам ветеранов) или специальная программа

    Существует множество кредитных программ, и некоторые из них созданы для оказания помощи в получении ипотечных кредитов людям в определенных обстоятельствах или группах.

    Вносите первоначальный взнос в размере 5% и более?

    Запросите информацию о соответствующем кредите Fannie Mae или Freddie Mac, который часто называют «обычным» кредитом.

    Вносите только небольшой первоначальный взнос?

    Запросите информацию о кредите, застрахованном FHA.

    Военнослужащий или ветеран?

    Запросите информацию о кредите, гарантированном VA.

    Покупаете дом в сельской местности?

    Запросите информацию о кредите, спонсируемом Министерством сельского хозяйства США (USDA).

    Вы впервые покупаете жилье и имеете низкий или средний доход?

    Запросите информацию о кредитах, доступных через агентство жилищного финансирования вашего штата.

    Сравните кредитные предложения

    Теперь пришло время начать официальный процесс подачи заявления. Попросите у своих кредиторов предложения кредитов, отражающие ваши выборы по типу кредита, программе и сроку. Тогда вы сможете объективно сравнить эти предложения.

    Сначала сравните основные характеристики кредита:

    • Каков срок кредита?
    • Какова процентная ставка?
    • На какой сумме первоначального взноса основан кредит?
    • Каков размер ежемесячного платежа?
    • Для кредитов с изменяемой процентной ставкой предусмотрены ли ограничения на изменение платежей и процентной ставки? Снижается ли процентная ставка, если рыночные процентные ставки уменьшаются

    Затем сравните остальные детали, которые могут повлиять на ваши затраты:

    • Когда мои платежи погасят мою основную сумму кредита?
    • Изменятся ли платежи в течение срока кредита? Насколько большим может стать мой платеж?
    • Включает ли мой платеж налоги на недвижимость и страховку? Если нет, могу ли я позволить себе оплатить их отдельно?
    • Какие расходы и сборы будут добавлены к моему первоначальному платежу? К моему текущему платежу?
    • Нужно ли мне платить баллы (авансовые платежи, которые снижают вашу процентную ставку)?
    • Какие сборы и расходы включены в занимаемую сумму (обычно для кредита «без затрат на закрытие сделки»)?
    • Соответствует ли письменное предложение тому, что было сообщено устно о кредите?
    • Могу ли я получить более выгодное предложение по расчетному обслуживанию от разных поставщиков услуг?
    • Могу ли я погасить кредит досрочно или сделать более крупные платежи, чем запланированные платежи, без штрафов?

    Попросите лучшие условия сделки

    Когда вы получите предложения от нескольких кредиторов, спросите, могут ли они предложить лучшие условия. Переговоры являются обычной практикой, и нет ничего плохого в том, чтобы спросить. Кредитор может отказаться от одной или нескольких комиссий или уменьшить процентную ставку или баллы.

    Убедитесь в том, что кредитор не снижает одну комиссию, повышая другую, или не снижает вашу процентную ставку, но повышает ваши баллы.

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    Что обозначает ваш кредитный отчет

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    Если вы запросили, чтобы вам предоставили бесплатный отчет о вашей кредитоспособности, вы можете использовать указанную ниже информацию для того, чтобы разобраться в этом отчете и убедиться, что в нем нет никаких ошибок.

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    Кредитный отчет легче всего можно изучить в том случае, если вы знаете и понимаете все элементы его - что они обозначают и как они влияют на ваш статус в отношении кредитоспособности.

    Отчеты могут быть составлены в различной форме или могут использовать различные слова. Однако они предоставляют одну и ту же информацию, которая описана ниже.

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    Персональные данные

    Бюро кредитных историй используют ваши персональные данные, чтобы убедиться в том, что вы являетесь тем лицом, которое открыло счета, описанные в отчете. Внимательно просмотрите этот раздел, чтобы убедиться в том, что в отношении вас там указана правильная и обновленная информация. Неправильно указанное имя, фамилия или неправильный номер социального обеспечения могут привести к тому, что вас будут обвинять в неуплате долга другого лица.

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    Официальные документы с открытым доступом

    Банкротства и обращения взыскания на различное имущество, в некоторых случаях, это единственные открытые официальные документы, которые предоставляются в кредитных отчетах, исходящих от трех общенациональных бюро кредитных историй. Открытые судебные материалы могут оказывать негативное влияние на вашу кредитную историю и на ваш рейтинг. Если у вас были банкротства, то они могут указываться в вашем кредитном отчете в течение 10 лет. Негативная информация в вашем кредитном отчете может приводить к тому, что у вас будет более высокая процентная ставка или вам откажут в выдаче кредита.

    Информация о счете

    В разделе сведений о различных счетах один за другим будут указаны ваши кредитные счета. Как правило, заимодавцы обновляют свою информацию ежемесячно. Обычно такая информация включает в себя ваше платежное поведение, наличие каких-либо задолженностей по текущим или прошлым счетам, ваш баланс на счетах и типы ссуд или счетов. Если в вашем кредитном отчете указано такое название заимодавца, которое незнакомо вам, то это может быть название материнской компании вашего заимодавца или может быть новая компания, в которую вступил ваш заимодавец путем слияния компаний. Если вы не уверены, что это точное название - проверьте информацию, написанную мелким шрифтом в своем ежемесячном счете, или свяжитесь с заимодавцем. Если в вашем кредитном отчете указывается такой счет, который не принадлежит вам, то в таком случае вы имеете право оспаривать его присутствие в отчете.

    В кредитных отчетах информация о ваших счетах в компаниях-эмитентах кредитных карточек и счетах у других заимодавцев указывается как удовлетворительная или хорошая, либо как неудовлетворительная или потенциально негативная.

    Счета в удовлетворительном состоянии

    Счета в удовлетворительном состоянии, это счета без нарушений. Они указывают на то, что бюро кредитных историй не получало недавно сообщений негативного характера. Счет обычно считается удовлетворительным в том случае, если он оплачивается в течение 30 дней после даты оплаты. Своевременная оплата защищает вашу кредитную историю и кредитный рейтинг.

    Счета в потенциально негативном состоянии

    Счета, в которых просрочены сроки оплаты, или по которым проводится принудительное взыскание, описываются как неудовлетворительные или потенциально негативные. Бюро кредитных историй обычно сообщает самую худшую негативную информацию, например, пропущенные платежи или принудительное взыскание средств. Такая информация предоставляется за последние семь лет. Возможно, вы увидите, что у компании, выдавшей первоначальную ссуду, было другое название. Заимодавцы иногда обращаются к другим компаниям для того, чтобы взыскивать причитающиеся им долги. Или иногда они продают причитающийся им долг. В таком случае компания, которая стала новым владельцем долга, в кредитном отчете указывается вместе с

    Запросы в отношение кредитоспособности

    Бюро кредитных историй получают запросы от субъектов хозяйствования, заимодавцев или работодателей, когда те просят предоставить им ваш отчет о кредитоспособности. Причина подачи такого запроса может влиять на ваш кредитный рейтинг.

    Запросы на углубленное изучение

    Запрос на углубленное изучение вашего кредитного отчета подается заимодавцем тогда, когда вы подали заявление на предоставление кредита. Запросы на углубленное изучение могут влиять на ваш кредитный рейтинг, потому что в большинстве моделей рейтинга кредитоспособности учитывается то, как давно вы подавали заявление на предоставление кредита и как часто это происходит.

    Запросы на поверхностное изучение

    Запрос на поверхностное изучение подается тогда, когда ваши данные о кредитоспособности рассматриваются по другим причинам, которые не связаны с подачей заявления на получение кредита. Например, когда заимодавец проверяет существующий счет, или когда вы попросили предоставить вам ваш собственный кредитный отчет, или когда потенциальный заимодавец хочет предварительно проверить вас перед тем, как предлагать вам кредит. Запросы на поверхностное изучение не затрагивают ваш кредитный рейтинг.

    После того, как вы проверили свои отчеты, внимательно следите за ними

    Заведите себе привычку периодически проверять свой кредитный отчет

    Один раз в 12 месяцев вы имеете право запросить, чтобы вам бесплатно предоставили копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй: Equifax, Experian и TransUnion. Кроме этого, до конца 2026 года вы имеете право получать у компании Equifax шесть бесплатных кредитных отчетов каждые 12 месяцев.

    Заходите на веб-сайт annualcreditreport.com , позвоните по телефону (877) 322-8228, или скачайте и заполните бланк запроса ежегодно кредитного отчета и отправьте его по почте по тому адресу, который указан в бланке. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    Быстро принимайте меры для того,
    чтобы исправлять ошибки

    Вы можете использовать бланки типичных писем для того, чтобы оспаривать ошибки в кредитном отчете или отвечать на действия, направленные на взыскание долга. Такие письма имеются на веб-сайте: consumerfinance.gov/askcfpb/314.

    Предпринимайте действия для того, чтобы улучшить свою кредитоспособность или лучше понимать ее

    Вы можете получить информацию и советы на веб-сайте: consumerfinance.gov/consumer-tools/credit-reports-and-scores.

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    Understand your credit score (Russian)
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    Что обозначает ваш кредитный рейтинг

    +
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    Для того, чтобы оценить вероятность возвращения вами денег, которые вы берете взаймы, банки, компании-эмитенты кредитных карточек и другие субъекты хозяйственной деятельности используют кредитные рейтинги.

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    Высокий кредитный рейтинг поможет вам получить ссуду и уменьшит величину процентной ставки. Многие системы рейтингов используют шкалу от 300 до 850 баллов, однако различные компании используют различные диапазоны величин.

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    Вас могут оценивать по многим кредитным рейтингам

    Вас могут оценивать по многим кредитным рейтингам, потому что:

    • Заимодавцы используют различные рейтинги для различных продуктов
    • Существует много различных формул для рассчета кредитного рейтинга
    • Информация может поступать из различных источников, которые предоставляют сообщения в системы кредитных рейтингов

    Например, рейтинг кредитной карточки может отличаться от ипотечного рейтинга, а какой-либо рейтинг, который вы покупаете онлайн, может отличаться от обоих этих рейтингов.

    Для некоторых лиц эти различия не являются большими. Но вследствие того, что заимодавцы используют различные системы рейтингов, у некоторых заимодавцев вы можете получить более низкий процент, чем у других. Если вы будете сравнивать цены - вы можете выиграть от этого.

    Откуда берутся кредитные рейтинги?

    Ваш кредитный рейтинг обычно основан на информации, указанной в ваших кредитных отчетах. Ваши заимодавцы сообщают эту информацию в бюро кредитных историй. Три самые крупные из них - Equifax, Experian и TransUnion.

    На ваш кредитный рейтинг влияют несколько факторов, включая следующие:

    • Сколько у вас имеется счетов с отрытым кредитом
    • Как давно вы пользуетесь этими счетами
    • Как близко вы подбираетесь к максимальному лимиту вашего кредита
    • Как часто вы опаздываете с предоставлением платежей
    • Прочие факторы

    Как можно повысить свой рейтинг

    • Постоянная своевременная оплата своих счетов оказывает самое большое влияние на величину вашего рейтинга. Один из способов обеспечения своевременной оплаты своих платежей - регистрация на автоматическое взимание платежей или настройка электронных напоминаний о необходимости выполнить платеж. Если вы пропустили платеж - оплатите его и не допускайте задолженностей.
    • Не приближайтесь к максимальной сумме своего кредитного лимита. Модели определения рейтинга кредитоспособности учитывают то, как близко вы приближаетесь к своему максимальному кредитному лимиту. Поэтому попытайтесь сохранять баланс на низком уровне пропорционально к своему общему лимиту кредитования. Эксперты советуют, чтобы вы не превышали уровень, составляющий 30 процентов от вашего общего лимита кредитования
    • Наличие долгосрочной кредитной истории помогает повысить ваш рейтинг. Кредитные рейтинги зависят от показателей, накопленных в течение времени. Ваш рейтинг повышается с течением времени: чем дольше существует предоставленный кредит - тем выше рейтинг. Откройте различные типы счетов и своевременно оплачивайте их.
    • Действуйте осторожно при закрытии счетов. Если вы закроете несколько счетов кредитных карточек и переведете весь баланс или большую его часть на одну кредитную карточку - такие действия могут понизить ваш кредитный рейтинг, если вы будете использовать более высокий процент от общего объема своего лимита кредитования. Частое открытие счетов и переведение балансов между ними также может негативно сказаться на вашем рейтинге.
    • Подавайте заявления на получение только тех кредитных линий, которые вам нужны. Кредитный рейтинг отображает ваше недавнее взаимодействие с предоставленными кредитами, что является индикатором ваших нужд в отношении кредитов. Если вы будете запрашивать большое количество кредитных линий в течение короткого промежутка времени - может создаться впечатление, что у вас ухудшилась ситуация с деньгами.

    Ваш кредитный отчет имеет такое же значение, как и ваш рейтинг

    Если в ваших кредитных отчетах существуют ошибки - они могут отрицательно сказаться на вашей кредитной истории и кредитном рейтинге. Поэтому регулярно проверяйте их.

    Один раз в 12 месяцев вы имеете право бесплатно получить копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Заходите на веб-сайт: annualcreditreport.com или звоните по телефону: 877-322-8228. Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в вашем рейтинге кредитоспособности.

    Когда вы получите свой отчет - обратите внимание на следующие моменты:

    • Ошибки в таких данных, как фамилия и имя, номер телефона или адрес
    • Ссуды, кредитные карточки или другие счета, которые не являются вашими
    • Сообщения о том, что вы предоставляли оплату с опозданием, хотя вы оплачивали вовремя
    • Счета, которые были вами закрыты, но которые указаны как открытые счета
    • Один и тот же пункт, который показывается несколько раз (например - неоплаченный долг)

    Как исправлять ошибки

    Если в своем кредитном отчете вы обнаружили какую-либо неточную информацию - вы можете связаться как с бюро кредитных историй, так и с компанией, которая предоставила такую информацию (например: компания-эмитент кредитных карточек). Объясните им, что по вашему мнению указано неправильно и почему. Приложите копии документов, которые подтверждают вашу позицию. В ваших кредитных отчетах предоставлены инструкции о том, как можно оспаривать существующие ошибки.

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    diff --git a/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html b/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html index f1eb685218a5..f645a163f9c2 100644 --- a/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html +++ b/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html @@ -455,7 +455,7 @@

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    Mga pangunahing kataga para sa mga loan sa sasakyan

    -

    Aktuwal na Halaga sa Pera (ACV) (Actual Cash Value (ACV))

    Ang Aktuwal na Halaga sa Pera (ACV) ay ang halaga ng sasakyan ayon sa mga kilalang-kilalang independiyenteng pinagkukunan tulad ng Pambansang Asosasyon ng mga Nagbebenta ng Sasakyan (National Automobile Dealers Association) o Kelley Blue Book .

    Amortisasyon (Amortization)

    Ang amortisasyon ay ang proseso ng unti-unting pagbabayad sa iyong loan sa sasakyan. Sa isang naka-amortize na loan, para sa bawat isa sa iyong mga buwanang kabayaran, inilalapat ang isang bahagi nito sa halaga ng loan – ang principal – at inilalapat ang bahagi ng kabayaran sa pagbabayad ng pinansyal na singil – ang interes.

    Magbasa nang higit pa (sa Ingles)

    Taunang Porsyento ng Singil (APR) (Annual Percentage Rate (APR))

    Ang Taunang Porsyento ng Singil (APR) ay ang halagang binabayaran mo kada taon para humiram ng pera, kabilang ang mga singil, na ipinapakita bilang porsyento. Ang APR ay ang mas malawak na panukat ng gastos para sa iyo sa paghiram ng pera dahil hindi lamang ito sumasalamin sa antas ng interes ngunit pati na rin sa mga singil na kailangan mong bayaran para makakuha ng loan. Kung mas mataas ang APR, mas malaki ang babayaran mo sa kabuuang itatagal ng loan.

    Ang APR ng loan sa sasakyan at ang antas ng interes ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes

    Itinalaga (Assignee)

    Ang itinalaga (assignee) ay isang indibidwal o kumpanyang bumibili ng iyong loan sa sasakyan. Halimbawa, ang isang nagbebenta ng sasakyan (auto dealer) na nagbigay sa iyo ng credit ay maaaring ibenta ang iyong loan sa isang bangko, kung saan ginagawa nitong itinalaga ang bangko. May pagkakautang kang pera sa sinumang bumili ng iyong loan. May lien ang itinalaga sa sasakyan at maaari nitong bawiin ito (repossess) kung hindi ka magbabayad.

    Pangunahing presyo (Base price)

    Ang pangunahing presyo (base price) ay ang presyo ng sasakyan na walang opsyon.

    Magbasa nang higit pa (sa Ingles)

    Antas sa pagbili (Buy rate)

    Ang antas sa pagbili (buy rate) ay ang antas ng interes na kino-quote ng potensyal na magpapautang sa iyong dealer kapag nag-a-apply ka para sa pagpipinansyang isinaayos ng dealer.

    Magbasa nang higit pa (sa Ingles)

    Kasamang lumagda (Co-signer)

    Ang kasamang lumagda (co-signer) ay isang indibidwal—tulad ng magulang, malapit na kapamilya, o kaibigan—na nangangakong babayaran ang loan kung hindi mo ito magagawa. Maaari itong maging isang pakinabang para sa iyo at sa nagpapautang sa iyo. Inaako ng kasamang lumagda ang buong responsibilidad na bayaran ang loan. Ang pagkakaroon ng kasamang lumagda sa iyong loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Kung hindi mo babayaran ang iyong loan, mananagot ang kasamang lumagda sa pagbabayad kahit na hindi siya kailanman nagmaneho ng iyong sasakyan. Kung may humiling sa iyong maging kasamang lumagda sa isang loan, kailangan mong isaalang-alang kung paano nito maaapektuhan ang iyong kalagayang pinansyal.

    Credit insurance

    Ang credit insurance ay opsyonal na insurance na maaaring magbayad para sa iyong sasakyan sa nagpapautang sa iyo sa ilang sitwasyon, tulad ng kung ikaw ay namatay o nagkaroon ng kapansanan. Kung isinasaalang-alang mo ang credit insurance, siguraduhing nauunawaan mo ang mga tuntunin ng polisang inaalok. Kung nagpasya kang kailangan mo ng insurance, maaaring may mga mas murang paraan para makakuha ka ng coverage sa halip na bumili ng credit insurance at idagdag ito sa iyong loan sa sasakyan. Halimbawa, maaaring mas mura ang life insurance kaysa sa credit life insurance at pinahihintulutan nito ang iyong pamilya na bayaran ang iba pang mga gastusin bukod sa iyong loan sa sasakyan.

    Mga produkto ng pagkansela o pagsuspindi ng utang (Debt cancellation or suspension products)

    Naghahandog ang ilang nagbebenta ng sasakyan at pati na rin ang ibang mga bangko at credit union ng mga produkto o insurance ng “pagkansela ng utang” at “pagsuspindi ng utang” sa ilalim ng iba't ibang pangalan. Halos katulad ng mga produktong ito ang credit insurance pagdating sa ginagampanan nito, ngunit maaaring naiiba ang mga singil at iba pang tampok.

    Magbasa nang higit pa (sa Ingles)

    Natitirang balanse (Deficiency balance)

    Kung na-repossess at naibenta ang iyong sasakyan, maaaring managot ka sa pagbabayad ng resulta ng pagbawas ng halagang natitira sa iyong loan (pati ang mga singil sa pag-repossess) sa presyo noong ibinenta ito. Ito ay tinatawag na “natitirang balanse” (“deficiency balance”).

    Down payment

    Ang down payment ay ang pauna at agad na ibinabayad mo tungo sa kabuuang halaga ng sasakyan. Ang iyong down payment ay maaaring cash, halaga ng ipinalit na ibang sasakyan, o pareho. Kung mas marami kang ipapang-down, mas kaunti ang kakailanganin mong hiramin. Maaaring makabawas ang mas malaking down payment sa iyong buwanang bayarin at sa kabuuang halaga ng iyong pagpipinansya.

    Pinalawig na warranty o kontrata ng serbisyo sa sasakyan (Extended warranty or vehicle service contract)

    Saklaw ng pinalawig na warranty (extended warranty) o kontrata ng serbisyo sa sasakyan (vehicle service contract) ang mga gastos sa ilang uri ng pagkukumpuni bukod sa o pagkaraang matapos ang warranty ng tagamanupaktura.

    Magbasa nang higit pa (sa Ingles)

    Departamento ng pinansya at insurance (Finance and insurance department)

    Kung bumili ka ng sasakyan sa isang dealership, maaari kang i-refer ng nagbebenta sa isang tao sa F&I (Pinansya at Insurance) o sa opisina ng negosyo. Bahagi ito ng dealership na nagbebenta ng mga loan at mga opsyonal na idadagdag sa mga customer pagtapos nilang sumang-ayon sa pagbili ng sasakyan sa dealership.

    Magbasa nang higit pa (sa Ingles)

    Pagpipinansya sa hindi nagbabagong antas (Fixed-rate financing)

    Ang pagpipinansya sa hindi nagbabagong antas (fixed-rate financing) ay nangangahulugang hindi nagbabago ang antas ng interes sa iyong loan sa kabuuan ng itatagal ng iyong loan. Sa hindi nagbabagong antas, maaari mong makita ang iyong kabayaran para sa bawat buwan at ang kabuuang babayaran mo sa kabuuan ng itatagal ng loan. Maaaring mas naisin mo ang pagpipinansya sa hindi nagbabagong antas kung hinahanap mo ang pagbabayad sa loan na hindi magbabago. Ang pagpipinansya sa hindi nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa nagbabagong antas.

    Sadyang inilagay na insurance (Force-placed insurance)

    Upang makakuha ng loan para makabili ng sasakyan, kailangan mong magkaroon ng insurance para masaklaw ang mismong sasakyan. Kung hindi ka nakakuha ng insurance o hinayaan mong mag-lapse ang iyong insurance, karaniwang binibigyan ng kontrata ang nagpapautang ng karapatang kumuha ng insurance para masaklaw ang sasakyan. Ang insurance na ito ay tinatawag na “sadyang inilagay na insurance” (“force-placed insurance”).

    Magbasa nang higit pa (sa Ingles)

    Insurance na Ginarantiyahang Proteksyon sa Sasakyan (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Saklaw ng GAP insurance ang resulta ng pagbawas (o puwang) sa pagitan ng halaga ng pagkakautang mo sa iyong loan sa sasakyan at kung ano ang binabayaran ng iyong insurance kung ninakaw, nasira, o lubusang nawasak ang iyong sasakyan. Hindi mo kailangang bilhin ang insurance na ito, ngunit magtingin-tingin kung nagpasya kang gusto mo nito. Ang mga nagpapautang ay maaaring magtakda ng iba't ibang presyo para sa produktong ito.

    Antas ng interes (Interest rate)

    Ang antas ng interes (interest rate) ng loan sa sasakyan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang porsyento. Hindi kasama sa antas ng interes ang mga singil na ipinapataw para sa loan.

    Ang APR at antas ng interes ng loan sa sasakyan ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo para sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes.

    Termino at itatagal ng loan (Loan term or duration)

    Ito ang haba ng iyong loan sa sasakyan na karaniwang nakatakda sa bawat buwan. Ang maikling termino ng loan (kung saan magbabayad ka buwan-buwan sa mas kaunting buwan) ay babawas sa kabuuang halaga ng iyong loan. Maaaring mabawasan sa mas mahabang loan ang buong buwanang kabayaran, ngunit magbabayad ka ng mas higit pang interes sa kabuuang itatagal ng loan. Ang mas matagal na loan ay naglalagay sa iyo sa panganib na magkaroon ng negatibong equity, kung saan mas malaki ang pagkakautang mo sa sasakyan kaysa sa halaga ng sasakyan.

    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang kabuuang halaga sa dolyar ng iyong loan na hinati ng aktuwal na halaga sa pera (ACV) ng iyong sasakyan. Karaniwan itong ipinapakita bilang porsyento. Binabawasan ng iyong down payment ang ratio ng loan sa halaga ng iyong loan.

    Magbasa nang higit pa (sa Ingles)

    Arbitrasyong kailangang sumunod sa batas (Mandatory binding arbitration)

    Sa pamamagitan ng paglagda sa kontratang may probisyong arbitrasyong kailangang sumunod sa batas (mandatory binding arbitration), sumasang-ayon kang resolbahin ang anumang mga hindi pagkakasundo tungkol sa kontrata sa harap ng isang arbitrador na nagpapasya sa hindi pagkakasundo sa halip na ang hukom. Maaari ka ring sumang-ayon na ipagpaliban ang iba pang mga karapatan, tulad ng iyong kakayahang iapela ang desisyon o sumali sa isang pagsasampa ng kaso ng grupo (class action suit).

    Magbasa nang higit pa (sa Ingles)

    Mga insentibo ng tagamanupaktura (Manufacturer incentives)

    Ang mga insentibo ng tagamanupaktura ay mga espesyal na deal, tulad ng 0% pagpipinansya o mga cash rebate na maaaring nakita mong inaanunsyo para sa mga bagong sasakyan. Kadalasan, inaalok lamang ang mga ito para sa mga partikular na modelo.

    Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Ang Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) ay ang presyong iminumungkahi ng tagagawa ng sasakyan – ang tagamanupaktura – na hinihingi ng nagbebenta para sa sasakyan.

    Negatibong equity (Negative equity)

    Kung may pagkakautang ka na higit pa sa kasalukuyan mong loan sa sasakyan kaysa sa halaga nito—na tinatawag na “nakabaligtad” (upside down)—mayroon kang negatibong equity. Sa madaling salita, kung sinubukan mong ibenta ang iyong sasakyan, hindi mo makukuha ang pagkakautang mo rito. Halimbawa, sabihin nating may pagkakautang kang $10,000 sa iyong loan sa sasakyan at ang halaga ng iyong sasakyan ngayon ay $8,000. Ito ay nangangahulugang mayroon kang negatibong equity na $2,000. Kakailanganing bayaran ang negatibong equity na iyon kung gusto mong ipagpalit ang iyong sasakyan at kumuha ng loan sa sasakyan para bumili ng panibago.

    Loan sa sasakyan na walang credit check o “bumili rito, magbayad dito”

    Ang loan sa sasakyan na walang credit check o “bumili rito, magbayad dito” ay inaalok ng mga dealership na karaniwang mga pinansyang loan sa sasakyan sa mismong dealership para sa mga nangungutang na walang credit o may mahinang credit.

    Magbasa nang higit pa (sa Ingles)

    Principal

    Ang principal ay ang perang una mong sinang-ayunang bayaran.

    Karaniwan, anumang ibinayad sa isang loan sa sasakyan ay ilalapat muna sa anumang mga singil na dapat bayaran (halimbawa, mga singil sa nahuling pagbayad). Pagkatapos, ilalapat ang natitirang pera mula sa iyong ibinayad sa anumang interes na dapat bayaran, kabilang ang dapat bayarang dating interes, kung naaangkop. Ang natitira sa iyong kabayaran ay ilalapat sa balanseng prinsipal ng iyong loan.

    Pagpepresyong nakabatay sa panganib (Risk-based pricing)

    Nangyayari ang pagpepresyong nakabatay sa panganib kapag nag-aalok ang mga nagpapautang sa iba't ibang mamimili ng iba't ibang antas ng interes o iba pang mga termino ng loan, batay sa tinantiyang panganib na hindi makakapagbayad sa kanilang mga loan ang mga mamimili.

    Magbasa nang higit pa (sa Ingles)

    Kabuuang gastos (Total cost)

    Ito ang kung magkano ang babayaran mo para mabili ang iyong sasakyan, kabilang ang principal, interes, at anumang down payment o pamalit, sa kabuuang itatagal ng loan.

    Pagsisiwalat na Katotohanan sa Pagpapautang (Truth in Lending disclosure)

    Iniaatas ng pederal na Truth in Lending Act (Batas sa Katotohanan sa Pagpapautang)—o “TILA” sa maikling salita—na tumanggap ang mga nangungutang ng mga nakasulat na pagsisiwalat tungkol sa mahahalagang tuntunin ng credit bago nila bayaran ang loan na alinsunod sa batas. Alamin pa ang tungkol sa impormasyong kasama sa iyong pagsisiwalat na TILA at kung kailan mo ito dapat matanggap o mapag-aralan.

    Pagpipinansya sa nagbabagong antas (Variable-rate financing)

    Ang pagpipinansya sa nagbabagong antas ay kung saan ang antas ng interes sa iyong loan ay maaaring magbago, batay sa pangunahing antas o iba pang antas na tinatawag na “index.” Sa loan na may nagbabagong antas, ang antas ng interes sa loan ay nagbabago sa tuwing nagbabago ang antas ng index, na ibig sabihin, maaari itong tumaas o bumaba. Dahil maaaring tumaas ang iyong antas ng interes, maaari ring tumaas ang binabayaran mo buwan-buwan. Kung mas mahaba ang termino ng loan, maaaring mas mapanganib ang loan na may iba't ibang antas para sa nangungutang, dahil may mas maraming pagkakataon para tumaas ang mga antas. Ang pagpipinansya sa nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa hindi nagbabagong antas.

    Insurance na Nag-iisang Interes ng Nagbebenta (VSI) (Vendor's Single Interest (VSI) insurance)

    Pinoprotektahan ng VSI insurance ang nagpapautang, ngunit hindi ikaw, sakaling masira o mawasak ang sasakyan.

    Magbasa nang higit pa (sa Ingles)

    +

    Aktuwal na Halaga sa Pera (ACV) (Actual Cash Value (ACV))

    Ang Aktuwal na Halaga sa Pera (ACV) ay ang halaga ng sasakyan ayon sa mga kilalang-kilalang independiyenteng pinagkukunan tulad ng Pambansang Asosasyon ng mga Nagbebenta ng Sasakyan (National Automobile Dealers Association) o Kelley Blue Book .

    Amortisasyon (Amortization)

    Ang amortisasyon ay ang proseso ng unti-unting pagbabayad sa iyong loan sa sasakyan. Sa isang naka-amortize na loan, para sa bawat isa sa iyong mga buwanang kabayaran, inilalapat ang isang bahagi nito sa halaga ng loan – ang principal – at inilalapat ang bahagi ng kabayaran sa pagbabayad ng pinansyal na singil – ang interes.

    Magbasa nang higit pa (sa Ingles)

    Taunang Porsyento ng Singil (APR) (Annual Percentage Rate (APR))

    Ang Taunang Porsyento ng Singil (APR) ay ang halagang binabayaran mo kada taon para humiram ng pera, kabilang ang mga singil, na ipinapakita bilang porsyento. Ang APR ay ang mas malawak na panukat ng gastos para sa iyo sa paghiram ng pera dahil hindi lamang ito sumasalamin sa antas ng interes ngunit pati na rin sa mga singil na kailangan mong bayaran para makakuha ng loan. Kung mas mataas ang APR, mas malaki ang babayaran mo sa kabuuang itatagal ng loan.

    Ang APR ng loan sa sasakyan at ang antas ng interes ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes

    Itinalaga (Assignee)

    Ang itinalaga (assignee) ay isang indibidwal o kumpanyang bumibili ng iyong loan sa sasakyan. Halimbawa, ang isang nagbebenta ng sasakyan (auto dealer) na nagbigay sa iyo ng credit ay maaaring ibenta ang iyong loan sa isang bangko, kung saan ginagawa nitong itinalaga ang bangko. May pagkakautang kang pera sa sinumang bumili ng iyong loan. May lien ang itinalaga sa sasakyan at maaari nitong bawiin ito (repossess) kung hindi ka magbabayad.

    Pangunahing presyo (Base price)

    Ang pangunahing presyo (base price) ay ang presyo ng sasakyan na walang opsyon.

    Magbasa nang higit pa (sa Ingles)

    Antas sa pagbili (Buy rate)

    Ang antas sa pagbili (buy rate) ay ang antas ng interes na kino-quote ng potensyal na magpapautang sa iyong dealer kapag nag-a-apply ka para sa pagpipinansyang isinaayos ng dealer.

    Magbasa nang higit pa (sa Ingles)

    Kasamang lumagda (Co-signer)

    Ang kasamang lumagda (co-signer) ay isang indibidwal—tulad ng magulang, malapit na kapamilya, o kaibigan—na nangangakong babayaran ang loan kung hindi mo ito magagawa. Maaari itong maging isang pakinabang para sa iyo at sa nagpapautang sa iyo. Inaako ng kasamang lumagda ang buong responsibilidad na bayaran ang loan. Ang pagkakaroon ng kasamang lumagda sa iyong loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Kung hindi mo babayaran ang iyong loan, mananagot ang kasamang lumagda sa pagbabayad kahit na hindi siya kailanman nagmaneho ng iyong sasakyan. Kung may humiling sa iyong maging kasamang lumagda sa isang loan, kailangan mong isaalang-alang kung paano nito maaapektuhan ang iyong kalagayang pinansyal.

    Credit insurance

    Ang credit insurance ay opsyonal na insurance na maaaring magbayad para sa iyong sasakyan sa nagpapautang sa iyo sa ilang sitwasyon, tulad ng kung ikaw ay namatay o nagkaroon ng kapansanan. Kung isinasaalang-alang mo ang credit insurance, siguraduhing nauunawaan mo ang mga tuntunin ng polisang inaalok. Kung nagpasya kang kailangan mo ng insurance, maaaring may mga mas murang paraan para makakuha ka ng coverage sa halip na bumili ng credit insurance at idagdag ito sa iyong loan sa sasakyan. Halimbawa, maaaring mas mura ang life insurance kaysa sa credit life insurance at pinahihintulutan nito ang iyong pamilya na bayaran ang iba pang mga gastusin bukod sa iyong loan sa sasakyan.

    Mga produkto ng pagkansela o pagsuspindi ng utang (Debt cancellation or suspension products)

    Naghahandog ang ilang nagbebenta ng sasakyan at pati na rin ang ibang mga bangko at credit union ng mga produkto o insurance ng “pagkansela ng utang” at “pagsuspindi ng utang” sa ilalim ng iba't ibang pangalan. Halos katulad ng mga produktong ito ang credit insurance pagdating sa ginagampanan nito, ngunit maaaring naiiba ang mga singil at iba pang tampok.

    Magbasa nang higit pa (sa Ingles)

    Natitirang balanse (Deficiency balance)

    Kung na-repossess at naibenta ang iyong sasakyan, maaaring managot ka sa pagbabayad ng resulta ng pagbawas ng halagang natitira sa iyong loan (pati ang mga singil sa pag-repossess) sa presyo noong ibinenta ito. Ito ay tinatawag na “natitirang balanse” (“deficiency balance”).

    Down payment

    Ang down payment ay ang pauna at agad na ibinabayad mo tungo sa kabuuang halaga ng sasakyan. Ang iyong down payment ay maaaring cash, halaga ng ipinalit na ibang sasakyan, o pareho. Kung mas marami kang ipapang-down, mas kaunti ang kakailanganin mong hiramin. Maaaring makabawas ang mas malaking down payment sa iyong buwanang bayarin at sa kabuuang halaga ng iyong pagpipinansya.

    Pinalawig na warranty o kontrata ng serbisyo sa sasakyan (Extended warranty or vehicle service contract)

    Saklaw ng pinalawig na warranty (extended warranty) o kontrata ng serbisyo sa sasakyan (vehicle service contract) ang mga gastos sa ilang uri ng pagkukumpuni bukod sa o pagkaraang matapos ang warranty ng tagamanupaktura.

    Magbasa nang higit pa (sa Ingles)

    Departamento ng pinansya at insurance (Finance and insurance department)

    Kung bumili ka ng sasakyan sa isang dealership, maaari kang i-refer ng nagbebenta sa isang tao sa F&I (Pinansya at Insurance) o sa opisina ng negosyo. Bahagi ito ng dealership na nagbebenta ng mga loan at mga opsyonal na idadagdag sa mga customer pagtapos nilang sumang-ayon sa pagbili ng sasakyan sa dealership.

    Magbasa nang higit pa (sa Ingles)

    Pagpipinansya sa hindi nagbabagong antas (Fixed-rate financing)

    Ang pagpipinansya sa hindi nagbabagong antas (fixed-rate financing) ay nangangahulugang hindi nagbabago ang antas ng interes sa iyong loan sa kabuuan ng itatagal ng iyong loan. Sa hindi nagbabagong antas, maaari mong makita ang iyong kabayaran para sa bawat buwan at ang kabuuang babayaran mo sa kabuuan ng itatagal ng loan. Maaaring mas naisin mo ang pagpipinansya sa hindi nagbabagong antas kung hinahanap mo ang pagbabayad sa loan na hindi magbabago. Ang pagpipinansya sa hindi nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa nagbabagong antas.

    Sadyang inilagay na insurance (Force-placed insurance)

    Upang makakuha ng loan para makabili ng sasakyan, kailangan mong magkaroon ng insurance para masaklaw ang mismong sasakyan. Kung hindi ka nakakuha ng insurance o hinayaan mong mag-lapse ang iyong insurance, karaniwang binibigyan ng kontrata ang nagpapautang ng karapatang kumuha ng insurance para masaklaw ang sasakyan. Ang insurance na ito ay tinatawag na “sadyang inilagay na insurance” (“force-placed insurance”).

    Magbasa nang higit pa (sa Ingles)

    Insurance na Ginarantiyahang Proteksyon sa Sasakyan (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Saklaw ng GAP insurance ang resulta ng pagbawas (o puwang) sa pagitan ng halaga ng pagkakautang mo sa iyong loan sa sasakyan at kung ano ang binabayaran ng iyong insurance kung ninakaw, nasira, o lubusang nawasak ang iyong sasakyan. Hindi mo kailangang bilhin ang insurance na ito, ngunit magtingin-tingin kung nagpasya kang gusto mo nito. Ang mga nagpapautang ay maaaring magtakda ng iba't ibang presyo para sa produktong ito.

    Antas ng interes (Interest rate)

    Ang antas ng interes (interest rate) ng loan sa sasakyan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang porsyento. Hindi kasama sa antas ng interes ang mga singil na ipinapataw para sa loan.

    Ang APR at antas ng interes ng loan sa sasakyan ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo para sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes.

    Termino at itatagal ng loan (Loan term or duration)

    Ito ang haba ng iyong loan sa sasakyan na karaniwang nakatakda sa bawat buwan. Ang maikling termino ng loan (kung saan magbabayad ka buwan-buwan sa mas kaunting buwan) ay babawas sa kabuuang halaga ng iyong loan. Maaaring mabawasan sa mas mahabang loan ang buong buwanang kabayaran, ngunit magbabayad ka ng mas higit pang interes sa kabuuang itatagal ng loan. Ang mas matagal na loan ay naglalagay sa iyo sa panganib na magkaroon ng negatibong equity, kung saan mas malaki ang pagkakautang mo sa sasakyan kaysa sa halaga ng sasakyan.

    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang kabuuang halaga sa dolyar ng iyong loan na hinati ng aktuwal na halaga sa pera (ACV) ng iyong sasakyan. Karaniwan itong ipinapakita bilang porsyento. Binabawasan ng iyong down payment ang ratio ng loan sa halaga ng iyong loan.

    Magbasa nang higit pa (sa Ingles)

    Arbitrasyong kailangang sumunod sa batas (Mandatory binding arbitration)

    Sa pamamagitan ng paglagda sa kontratang may probisyong arbitrasyong kailangang sumunod sa batas (mandatory binding arbitration), sumasang-ayon kang resolbahin ang anumang mga hindi pagkakasundo tungkol sa kontrata sa harap ng isang arbitrador na nagpapasya sa hindi pagkakasundo sa halip na ang hukom. Maaari ka ring sumang-ayon na ipagpaliban ang iba pang mga karapatan, tulad ng iyong kakayahang iapela ang desisyon o sumali sa isang pagsasampa ng kaso ng grupo (class action suit).

    Magbasa nang higit pa (sa Ingles)

    Mga insentibo ng tagamanupaktura (Manufacturer incentives)

    Ang mga insentibo ng tagamanupaktura ay mga espesyal na deal, tulad ng 0% pagpipinansya o mga cash rebate na maaaring nakita mong inaanunsyo para sa mga bagong sasakyan. Kadalasan, inaalok lamang ang mga ito para sa mga partikular na modelo.

    Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Ang Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) ay ang presyong iminumungkahi ng tagagawa ng sasakyan – ang tagamanupaktura – na hinihingi ng nagbebenta para sa sasakyan.

    Negatibong equity (Negative equity)

    Kung may pagkakautang ka na higit pa sa kasalukuyan mong loan sa sasakyan kaysa sa halaga nito—na tinatawag na “nakabaligtad” (upside down)—mayroon kang negatibong equity. Sa madaling salita, kung sinubukan mong ibenta ang iyong sasakyan, hindi mo makukuha ang pagkakautang mo rito. Halimbawa, sabihin nating may pagkakautang kang $10,000 sa iyong loan sa sasakyan at ang halaga ng iyong sasakyan ngayon ay $8,000. Ito ay nangangahulugang mayroon kang negatibong equity na $2,000. Kakailanganing bayaran ang negatibong equity na iyon kung gusto mong ipagpalit ang iyong sasakyan at kumuha ng loan sa sasakyan para bumili ng panibago.

    Loan sa sasakyan na walang credit check o “bumili rito, magbayad dito”

    Ang loan sa sasakyan na walang credit check o “bumili rito, magbayad dito” ay inaalok ng mga dealership na karaniwang mga pinansyang loan sa sasakyan sa mismong dealership para sa mga nangungutang na walang credit o may mahinang credit.

    Magbasa nang higit pa (sa Ingles)

    Principal

    Ang principal ay ang perang una mong sinang-ayunang bayaran.

    Karaniwan, anumang ibinayad sa isang loan sa sasakyan ay ilalapat muna sa anumang mga singil na dapat bayaran (halimbawa, mga singil sa nahuling pagbayad). Pagkatapos, ilalapat ang natitirang pera mula sa iyong ibinayad sa anumang interes na dapat bayaran, kabilang ang dapat bayarang dating interes, kung naaangkop. Ang natitira sa iyong kabayaran ay ilalapat sa balanseng prinsipal ng iyong loan.

    Pagpepresyong nakabatay sa panganib (Risk-based pricing)

    Nangyayari ang pagpepresyong nakabatay sa panganib kapag nag-aalok ang mga nagpapautang sa iba't ibang mamimili ng iba't ibang antas ng interes o iba pang mga termino ng loan, batay sa tinantiyang panganib na hindi makakapagbayad sa kanilang mga loan ang mga mamimili.

    Magbasa nang higit pa (sa Ingles)

    Kabuuang gastos (Total cost)

    Ito ang kung magkano ang babayaran mo para mabili ang iyong sasakyan, kabilang ang principal, interes, at anumang down payment o pamalit, sa kabuuang itatagal ng loan.

    Pagsisiwalat na Katotohanan sa Pagpapautang (Truth in Lending disclosure)

    Iniaatas ng pederal na Truth in Lending Act (Batas sa Katotohanan sa Pagpapautang)—o “TILA” sa maikling salita—na tumanggap ang mga nangungutang ng mga nakasulat na pagsisiwalat tungkol sa mahahalagang tuntunin ng credit bago nila bayaran ang loan na alinsunod sa batas. Alamin pa ang tungkol sa impormasyong kasama sa iyong pagsisiwalat na TILA at kung kailan mo ito dapat matanggap o mapag-aralan.

    Pagpipinansya sa nagbabagong antas (Variable-rate financing)

    Ang pagpipinansya sa nagbabagong antas ay kung saan ang antas ng interes sa iyong loan ay maaaring magbago, batay sa pangunahing antas o iba pang antas na tinatawag na “index.” Sa loan na may nagbabagong antas, ang antas ng interes sa loan ay nagbabago sa tuwing nagbabago ang antas ng index, na ibig sabihin, maaari itong tumaas o bumaba. Dahil maaaring tumaas ang iyong antas ng interes, maaari ring tumaas ang binabayaran mo buwan-buwan. Kung mas mahaba ang termino ng loan, maaaring mas mapanganib ang loan na may iba't ibang antas para sa nangungutang, dahil may mas maraming pagkakataon para tumaas ang mga antas. Ang pagpipinansya sa nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa hindi nagbabagong antas.

    Insurance na Nag-iisang Interes ng Nagbebenta (VSI) (Vendor's Single Interest (VSI) insurance)

    Pinoprotektahan ng VSI insurance ang nagpapautang, ngunit hindi ikaw, sakaling masira o mawasak ang sasakyan.

    Magbasa nang higit pa (sa Ingles)

    @@ -1461,10 +1461,10 @@

    diff --git a/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html index 3cd6c5a2dfae..d913e8724dd4 100644 --- a/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html +++ b/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html @@ -455,7 +455,7 @@

  16. - + Order free brochures @@ -1298,7 +1298,7 @@

    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín
    -

    Kiểm tra tín dụng (Credit inquiry)

    Cuộc kiểm tra đề cập đến yêu cầu xem xét hồ sơ tín dụng và thường thuộc 1 trong 2 loại.

    Đọc thêm (bằng tiếng Anh)

    Người có tín dụng vô hình (Credit invisible)

    Vào năm 2015, chúng tôi đã đăng báo cáo cho biết 26 triệu người Mỹ là “có tín dụng vô hình”. Con số này chỉ ra rằng cứ 10 người lớn thì có 1 người không có bất kỳ lịch sử dùng tín dụng nào với 1 trong 3 công ty báo cáo tín dụng trên toàn quốc. Thêm 19 triệu người tiêu dùng có hồ sơ tín dụng “không thể tính điểm”. Nghĩa là hồ sơ của họ ngắn và có lịch sử dùng tín dụng không đầy đủ (9,9 triệu người) hoặc hồ sơ cũ và thiếu lịch sử dùng tín dụng gần đây (9,6 triệu người). Tóm lại, có 45 triệu người tiêu dùng có thể không sử dụng được tín dụng vì không có hồ sơ tín dụng tính điểm được. Người có tín dụng vô hình hoặc không thể tính điểm thường không tiếp cận được với tín dụng chất lượng và có thể phải đối mặt với một loạt vấn đề, từ việc cố gắng có được tín dụng cho đến việc thuê căn hộ.

    Dịch vụ giám sát tín dụng (Credit monitoring service)

    Dịch vụ giám sát tín dụng là dịch vụ thương mại tính phí để xem các bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, rồi thông báo cho quý vị về những thay đổi đối với những tài khoản liệt kê trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị.

    Đọc thêm (bằng tiếng Anh)


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng của quý vị và tình hình tín dụng hiện tại, chẳng hạn như lịch sử trả khoản vay và tình trạng tài khoản tín dụng của quý vị.

    Công ty báo cáo tín dụng (Credit reporting company)

    Công ty báo cáo tín dụng (còn gọi là văn phòng tín dụng hoặc cơ quan báo cáo cho người tiêu dùng) là công ty tổng hợp và bán bản báo cáo điểm và lịch sử dùng tín dụng.

    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng quý vị trả lại khoản vay đúng hạn. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Quý vị cần biết rằng mình không chỉ có “một” điểm tín dụng mà còn có nhiều điểm tín dụng dành cho quý vị cũng như người cho vay. Mọi điểm tín dụng đều phụ thuộc vào dữ liệu được sử dụng để tính toán và có thể khác nhau tùy vào mô hình tính điểm, nguồn lịch sử tín dụng của quý vị, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (Fair Credit Reporting Act)

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (FCRA) của liên bang thúc đẩy tính chính xác, công bằng và quyền riêng tư về thông tin trong hồ sơ của các cơ quan báo cáo cho người tiêu dùng. Có nhiều loại cơ quan báo cáo cho người tiêu dùng, bao gồm văn phòng tín dụng và cơ quan chuyên môn (ví dụ: cơ quan bán thông tin về lịch sử viết ngân phiếu, hồ sơ y tế và hồ sơ lịch sử cho thuê). Tìm hiểu thêm về các quyền chính của quý vị theo FCRA .


    Điểm FICO (FICO score)

    Điểm FICO® là một loại điểm tín dụng cụ thể.  

    Đọc thêm (bằng tiếng Anh)


    Thông báo lừa đảo (Fraud alert)

    Thông báo lừa đảo yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có dựa trên yêu cầu của người tiêu dùng. Khi quý vị đặt thông báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những người khác. Có 2 loại thông báo lừa đảo chính: thông báo lừa đảo ban đầu và thông báo mở rộng.


    Giám sát danh tính hoặc chống đánh cắp thông tin định danh (Identity monitoring or identity theft protection)

    Dịch vụ chống đánh cắp thông tin định danh giám sát thông tin nhận dạng cá nhân trong bản đăng ký dùng tín dụng, hồ sơ công khai, trang web và những nơi khác để phát hiện bất kỳ hoạt động bất thường nào có thể là dấu hiệu của hành vi đánh cắp thông tin định danh.

    Đọc thêm (bằng tiếng Anh)


    Hành vi đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh xảy ra khi ai đó đánh cắp thông tin định danh của quý vị để thực hiện hành vi lừa đảo. Đánh cắp thông tin định danh của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như:

    • Tên quý vị
    • Số An Sinh Xã Hội
    • Số thẻ tín dụng


    Thông báo đang phục vụ quân đội (Military active duty alert)

    Thành viên quân đội (ví dụ: thành viên của Thủy Quân Lục Chiến, Quân Đội, Hải Quân, Không Quân và Lính Tuần Duyên) có thể yêu cầu thông báo đang phục vụ quân đội. Khi quý vị đặt thông báo đang phục vụ quân đội trên bản báo cáo điểm và lịch sử dùng tín dụng của mình, người cho vay phải thực hiện các bước hợp lý để đảm bảo rằng người đưa ra yêu cầu thực sự là quý vị trước khi mở tài khoản, phát hành thẻ tín dụng bổ sung cho tài khoản hiện có hoặc tăng hạn mức tín dụng cho tài khoản hiện có. Thông báo đang phục vụ quân đội kéo dài trong 12 tháng. Tên của quý vị cũng sẽ bị xóa khỏi danh sách tiếp thị sàng lọc trước của các công ty báo cáo tín dụng trên toàn quốc đối với ưu đãi tín dụng và bảo hiểm trong 2 năm.


    Khoản nợ đã trả (Paid collection)

    Khoản nợ đã trả là tài khoản được đưa vào khoản thu nợ vì quá hạn và sau đó đã đượctrả.

    Đọc thêm (bằng tiếng Anh)


    Bảo mật đóng băng (Security freeze)

    Tình trạng “bảo mật đóng băng” trên bản báo cáo điểm và lịch sử dùng tín dụng của quý vị ngăn người cho vay mới tiếp cận hồ sơ tín dụng của quý vị và những người khác mở tài khoản dưới tên quý vị cho đến khi quý vị gỡ bỏ tình trạng đóng băng. Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu chưa kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, tình trạng đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị.


    Công ty báo cáo cho người tiêu dùng chuyên biệt (Specialty consumer reporting company)

    Công ty báo cáo cho người tiêu dùng chuyên biệt thu thập và chia sẻ thông tin về lịch sử việc làm, lịch sử giao dịch của quý vị với một doanh nghiệp hoặc lịch sử trả nợ cho sản phẩm hoặc dịch vụ cụ thể.


    Báo cáo sàng lọc người thuê nhà (Tenant screening report)

    Chủ đất sử dụng loại báo cáo này để giúp đưa ra quyết định về người thuê nhà tiềm năng. Báo cáo sàng lọc người thuê nhà có thể chứa thông tin từ nhiều nguồn, bao gồm lịch sử tiền thuê của quý vị cũng như bản báo cáo điểm và lịch sử dùng tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Hồ sơ tín dụng ngắn / Không có hồ sơ tín dụng (Thin credit file / No credit file)

    Hồ sơ tín dụng ngắn hoặc không có hồ sơ tín dụng có nghĩa là một người không có lịch sử tín dụng hoặc không đủ lịch sử tín dụng hiện tại để tạo ra điểm tín dụng. Xem: Người có tín dụng vô hình

    +

    Kiểm tra tín dụng (Credit inquiry)

    Cuộc kiểm tra đề cập đến yêu cầu xem xét hồ sơ tín dụng và thường thuộc 1 trong 2 loại.

    Đọc thêm (bằng tiếng Anh)

    Người có tín dụng vô hình (Credit invisible)

    Vào năm 2015, chúng tôi đã đăng báo cáo cho biết 26 triệu người Mỹ là “có tín dụng vô hình”. Con số này chỉ ra rằng cứ 10 người lớn thì có 1 người không có bất kỳ lịch sử dùng tín dụng nào với 1 trong 3 công ty báo cáo tín dụng trên toàn quốc. Thêm 19 triệu người tiêu dùng có hồ sơ tín dụng “không thể tính điểm”. Nghĩa là hồ sơ của họ ngắn và có lịch sử dùng tín dụng không đầy đủ (9,9 triệu người) hoặc hồ sơ cũ và thiếu lịch sử dùng tín dụng gần đây (9,6 triệu người). Tóm lại, có 45 triệu người tiêu dùng có thể không sử dụng được tín dụng vì không có hồ sơ tín dụng tính điểm được. Người có tín dụng vô hình hoặc không thể tính điểm thường không tiếp cận được với tín dụng chất lượng và có thể phải đối mặt với một loạt vấn đề, từ việc cố gắng có được tín dụng cho đến việc thuê căn hộ.

    Dịch vụ giám sát tín dụng (Credit monitoring service)

    Dịch vụ giám sát tín dụng là dịch vụ thương mại tính phí để xem các bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, rồi thông báo cho quý vị về những thay đổi đối với những tài khoản liệt kê trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị.

    Đọc thêm (bằng tiếng Anh)


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng của quý vị và tình hình tín dụng hiện tại, chẳng hạn như lịch sử trả khoản vay và tình trạng tài khoản tín dụng của quý vị.

    Công ty báo cáo tín dụng (Credit reporting company)

    Công ty báo cáo tín dụng (còn gọi là văn phòng tín dụng hoặc cơ quan báo cáo cho người tiêu dùng) là công ty tổng hợp và bán bản báo cáo điểm và lịch sử dùng tín dụng.

    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng quý vị trả lại khoản vay đúng hạn. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Quý vị cần biết rằng mình không chỉ có “một” điểm tín dụng mà còn có nhiều điểm tín dụng dành cho quý vị cũng như người cho vay. Mọi điểm tín dụng đều phụ thuộc vào dữ liệu được sử dụng để tính toán và có thể khác nhau tùy vào mô hình tính điểm, nguồn lịch sử tín dụng của quý vị, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (Fair Credit Reporting Act)

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (FCRA) của liên bang thúc đẩy tính chính xác, công bằng và quyền riêng tư về thông tin trong hồ sơ của các cơ quan báo cáo cho người tiêu dùng. Có nhiều loại cơ quan báo cáo cho người tiêu dùng, bao gồm văn phòng tín dụng và cơ quan chuyên môn (ví dụ: cơ quan bán thông tin về lịch sử viết ngân phiếu, hồ sơ y tế và hồ sơ lịch sử cho thuê). Tìm hiểu thêm về các quyền chính của quý vị theo FCRA .


    Điểm FICO (FICO score)

    Điểm FICO® là một loại điểm tín dụng cụ thể.  

    Đọc thêm (bằng tiếng Anh)


    Thông báo lừa đảo (Fraud alert)

    Thông báo lừa đảo yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có dựa trên yêu cầu của người tiêu dùng. Khi quý vị đặt thông báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những người khác. Có 2 loại thông báo lừa đảo chính: thông báo lừa đảo ban đầu và thông báo mở rộng.


    Giám sát danh tính hoặc chống đánh cắp thông tin định danh (Identity monitoring or identity theft protection)

    Dịch vụ chống đánh cắp thông tin định danh giám sát thông tin nhận dạng cá nhân trong bản đăng ký dùng tín dụng, hồ sơ công khai, trang web và những nơi khác để phát hiện bất kỳ hoạt động bất thường nào có thể là dấu hiệu của hành vi đánh cắp thông tin định danh.

    Đọc thêm (bằng tiếng Anh)


    Hành vi đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh xảy ra khi ai đó đánh cắp thông tin định danh của quý vị để thực hiện hành vi lừa đảo. Đánh cắp thông tin định danh của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như:

    • Tên quý vị
    • Số An Sinh Xã Hội
    • Số thẻ tín dụng


    Thông báo đang phục vụ quân đội (Military active duty alert)

    Thành viên quân đội (ví dụ: thành viên của Thủy Quân Lục Chiến, Quân Đội, Hải Quân, Không Quân và Lính Tuần Duyên) có thể yêu cầu thông báo đang phục vụ quân đội. Khi quý vị đặt thông báo đang phục vụ quân đội trên bản báo cáo điểm và lịch sử dùng tín dụng của mình, người cho vay phải thực hiện các bước hợp lý để đảm bảo rằng người đưa ra yêu cầu thực sự là quý vị trước khi mở tài khoản, phát hành thẻ tín dụng bổ sung cho tài khoản hiện có hoặc tăng hạn mức tín dụng cho tài khoản hiện có. Thông báo đang phục vụ quân đội kéo dài trong 12 tháng. Tên của quý vị cũng sẽ bị xóa khỏi danh sách tiếp thị sàng lọc trước của các công ty báo cáo tín dụng trên toàn quốc đối với ưu đãi tín dụng và bảo hiểm trong 2 năm.


    Khoản nợ đã trả (Paid collection)

    Khoản nợ đã trả là tài khoản được đưa vào khoản thu nợ vì quá hạn và sau đó đã đượctrả.

    Đọc thêm (bằng tiếng Anh)


    Bảo mật đóng băng (Security freeze)

    Tình trạng “bảo mật đóng băng” trên bản báo cáo điểm và lịch sử dùng tín dụng của quý vị ngăn người cho vay mới tiếp cận hồ sơ tín dụng của quý vị và những người khác mở tài khoản dưới tên quý vị cho đến khi quý vị gỡ bỏ tình trạng đóng băng. Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu chưa kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, tình trạng đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị.


    Công ty báo cáo cho người tiêu dùng chuyên biệt (Specialty consumer reporting company)

    Công ty báo cáo cho người tiêu dùng chuyên biệt thu thập và chia sẻ thông tin về lịch sử việc làm, lịch sử giao dịch của quý vị với một doanh nghiệp hoặc lịch sử trả nợ cho sản phẩm hoặc dịch vụ cụ thể.


    Báo cáo sàng lọc người thuê nhà (Tenant screening report)

    Chủ đất sử dụng loại báo cáo này để giúp đưa ra quyết định về người thuê nhà tiềm năng. Báo cáo sàng lọc người thuê nhà có thể chứa thông tin từ nhiều nguồn, bao gồm lịch sử tiền thuê của quý vị cũng như bản báo cáo điểm và lịch sử dùng tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Hồ sơ tín dụng ngắn / Không có hồ sơ tín dụng (Thin credit file / No credit file)

    Hồ sơ tín dụng ngắn hoặc không có hồ sơ tín dụng có nghĩa là một người không có lịch sử tín dụng hoặc không đủ lịch sử tín dụng hiện tại để tạo ra điểm tín dụng. Xem: Người có tín dụng vô hình

    @@ -1461,10 +1461,10 @@

    Kiểm tra tín dụng (Credit inquiry)

    diff --git a/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html index 2f1d5796b1bd..73e5db14bbbe 100644 --- a/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html +++ b/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html @@ -454,7 +454,7 @@
  17. - + Order free brochures @@ -1458,10 +1458,10 @@

    diff --git a/www.consumerfinance.gov/language/zh/auto-loans-key-terms/index.html b/www.consumerfinance.gov/language/zh/auto-loans-key-terms/index.html index ab4e043de550..8b4774e67e43 100644 --- a/www.consumerfinance.gov/language/zh/auto-loans-key-terms/index.html +++ b/www.consumerfinance.gov/language/zh/auto-loans-key-terms/index.html @@ -455,7 +455,7 @@

  18. - + Order free brochures @@ -1298,7 +1298,7 @@

    汽車貸款重要術語

    -

    有效現金價值（英文簡稱為 ACV）(Actual Cash Value - ACV)

    有效現金價值（英文簡稱為 ACV）是根據廣泛認可的獨立來源（例如全美汽車經銷商協會 或凱利藍皮書 ）得出的車輛價值。

    更多資料見 (英文)

    分期償還 (Amortization)

    分期償還描述逐漸還清汽車貸款的程序。在分期償還貸款中，對於您的每月付款，一部分用於支付貸款金額（本金），一部分用於支付融資費用（利息）。

    更多資料見 (英文)



    年利率（英文簡稱爲 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是您每年為借款支付的費用，包括以百分率表示的收費。APR 是衡量您借款成本的更廣泛的指標，因為它不僅反映利率，還反映您為獲得貸款而必須支付的費用。APR 越高，您在貸款期限內支付的金額就越多。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。請確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    受讓人 (Assignee)

    受讓人是購買您的汽車貸款的個人或公司。例如，向您提供信貸的汽車經銷商可能會將您的貸款出售給銀行，使銀行成為受讓人。您欠購買您的貸款的任何方的錢款。受讓人對車輛享有留置權，如果您不付款，可以收回車輛。



    基本價格 (Base price)

    基本價格是沒有選項的車輛價格。

    更多資料見 (英文)



    購買利率 (Buy rate)

    購買利率是當您申請經銷商安排的融資時，潛在貸方向您的經銷商報出的利率。

    更多資料見 (英文)



    聯署人 (Co-signer)

    聯署人是承諾在您不償還貸款時保證償還貸款的人，例如父母、親密的家庭成員或朋友。這對您和您的貸方都有好處。聯署人全權負責償還貸款。在您的貸款中有聯署人可以向您的貸方提供額外的保證，即貸款將得到償還。如果您不償還貸款，您的聯署人將負責還款，即使該聯署人從未駕駛過您的車輛。如果要求您聯署一筆貸款，您應該考慮這將如何影響您的財務狀況。



    信用保險 (Credit insurance)

    信用保險是一種供選用的保險，它可以讓您在某些情況下向貸方支付汽車貸款，例如您去世或殘障。 如果您正在考慮信用保險，請確保您了解所提供的保單條款。如果您決定需要保險，可能有比購買信用保險並將其添加到您的汽車貸款中更便宜的方式來獲得承保。例如，人壽保險可能比信用人壽保險便宜，並允許您的家人還清您的汽車貸款以外的其他費用。



    債務取消或暫停產品 (Debt cancellation or suspension products)

    一些汽車經銷商以及銀行和信用合作社以各種名義提供「債務取消」和「債務暫停」產品或保險。這些產品在功能上與信用保險類似，但費用和其他特點可能有所不同。

    更多資料見 (英文)



    清償抵押貸款餘額 (Deficiency balance)

    如果您的車輛被收回並出售，您可能需要支付剩餘貸款金額（加上收回費用）與銷售價格之間的差額。這稱為「清償抵押貸款餘額」。



    首付款 (Down payment)

    首付款是您為車輛總成本支付的初始頭期款。您的首付款可以是現金、以舊換新的價值，或二者兼有之。您的首付款越多，您需要借貸的款項就越少。較高的首付款也可能會減少您的每月付款和總融資成本。



    延長擔保或車輛維修合約 (Extended warranty or vehicle service contract)

    延長擔保或車輛維修合約為製造商擔保或擔保期結束後的某些類型的維修費用提供承保。

    更多資料見 (英文)



    融資保險部 (Finance and insurance department)

    如果您在經銷商處購買車輛，銷售員可能會將您轉介給融資保險部（英文簡稱爲 F&I）或業務辦公室的人員。這是經銷業務的一部分，在客戶同意在經銷商處購買車輛後，向客戶推銷貸款和供選用附加服務。

    更多資料見 (英文)



    固定利率融資 (Fixed-rate financing)

    固定利率融資表示您的貸款利率在貸款期限內不會改變。對於固定利率，您可以查看每個月的還款額以及您將在貸款期限內支付的總額。如果您在尋找不會改變的貸款付款，您可能會選擇固定利率融資。固定利率融資是一種融資方式。另一種類型是可變利率融資。



    強制保險 (Force-placed insurance)

    為了獲得購買車輛的貸款，您必須為車輛本身投保。如果您未能獲得保險或者讓您的保險失效，合約通常賦予貸方獲得車輛保險的權利。這種保險稱為「強制保險」。

    更多資料見 (英文)



    擔保汽車保護（英文簡稱爲 GAP）保險 (Guaranteed Auto Protection (GAP) insurance)

    GAP 保險承保您欠汽車貸款的金額與您的車輛被盜、損壞或報廢時保險支付金額之間的差額。您不必購買該保險，但如果您決定需要這種保險，請貨比三家。貸方可能會為該產品設置不同的價格。



    利率 (Interest rate)

    汽車貸款利率是您每年為借款而支付的成本，以百分率表示。利率不包括貸款收取的費用。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    貸款期限 (Loan term or duration)

    這是您的汽車貸款期限，通常以月為單位。較短的貸款期限（您有較少的每月付款月數）將降低您的總貸款費用。較長的貸款可以減少您的每月還款額，但您在貸款期限內需要支付更多的利息。較長的貸款還會使您面臨負資產的風險，即出現您欠車輛的錢款超過車輛價值的情形。



    貸款價值比 (Loan term or duration)

    貸款價值比（英文簡稱為 LTV）是您貸款的總美元價值除以您的車輛的實際現金價值（英文簡稱為 ACV）。這通常以百分率表示。您的首付款會降低貸款的貸款價值比。

    更多資料見 (英文)



    強制約束仲裁 (Mandatory binding arbitration)

    透過簽署具有強制約束仲裁條款的合約，您同意由仲裁員而不是法院裁決解決有關合約的任何爭議。您也可以同意放棄其他權利，例如您對決定提出上訴或加入集體訴訟的能力。

    更多資料見 (英文)



    製造商獎勵 (Manufacturer incentives)

    製造商獎勵是特殊交易，例如您可能看到的推銷新車廣告的 0% 融資或現金回扣。通常，這些僅適用於某些型號。

    更多資料見 (英文)



    製造商建議零售價（英文簡稱爲 MSRP）(Manufacturer Suggested Retail Price - MSRP)

    製造商建議零售價（英文簡稱爲 MSRP）是汽車製造商（簡稱「製造商」）建議經銷商索要的車輛價格。

    更多資料見 (英文)



    負資產 (Negative equity)

    如果您當前的汽車貸款欠款超過車輛價值（稱為「倒置」），您的資產就是負資產。換言之，如果您嘗試出售您的車輛，您將無法收回您已經欠付的錢款。例如，假設您欠 10,000 美元的汽車貸款，而您的車輛現在價值 8,000 美元。這意味著您有 2,000 美元的負資產。如果您想將您的車輛以舊換新，並申請汽車貸款購買新車，則需要還清負資產。



    無信用審查或「在這裡購買，在這裡付款」汽車貸款 (No credit check or "buy here, pay here" auto loan)

    經銷商提供一種「無信用審查」或「在這裡購買，在這裡付款」的汽車貸款，這通常是向沒有信用或信用不佳的借款人提供的「内部」汽車貸款融資。

    更多資料見 (英文)



    本金 (Principal)

    本金是您最初同意償還的錢款。

    通常，汽車貸款的任何付款都將首先用於支付任何到期費用（例如滯納金）。接下來，您付款中的剩餘資金將用於支付任何到期利息，包括逾期未付的利息（如適用）。然後，您還款的其餘部分將用於支付您的貸款的本金餘額。



    基於風險的定價 (Risk-based pricing)

    當貸方根據消費者無法償還貸款的估計風險向不同的消費者提供不同的利率或其他貸款條款時，就會出現基於風險的定價。

    更多資料見 (英文)



    總成本 (Total cost)

    這是您在貸款期限內購買車輛所需支付的金額，包括本金、利息和任何首付款或以舊換新費用。



    誠信借貸披露 (Truth in Lending disclosure)

    聯邦《誠信借貸法》（英文簡稱為 TILA）要求借款人在依法支付貸款之前收到有關重要信用條款的書面披露資料。詳細了解您的 TILA 披露中包含的資訊以及您應當何時收到和查看這些資訊。



    可變利率融資 (Variable-rate financing)

    可變利率融資是指您的貸款利率可以根據最優惠利率或稱為「指數」的另一種利率而變化。對於可變利率貸款，貸款利率會隨著指數利率的變化而變化，這意味著利率可能會上升或下降。因為您的利率會上升，因此您的每月付款也會上升。貸款期限越長，可變利率貸款對借款人的風險就越大，因為利率上升的時間更長。 可變利率融資是一種融資方式。另一種類型是固定利率融資。



    供應商單向利益（英文簡稱為 VSI）保險 (Vendor's Single Interest (VSI) insurance)

    在車輛損壞或毀壞的情況下，VSI 保險保護貸方，但不保護您。

    更多資料見 (英文)

    +

    有效現金價值（英文簡稱為 ACV）(Actual Cash Value - ACV)

    有效現金價值（英文簡稱為 ACV）是根據廣泛認可的獨立來源（例如全美汽車經銷商協會 或凱利藍皮書 ）得出的車輛價值。

    更多資料見 (英文)

    分期償還 (Amortization)

    分期償還描述逐漸還清汽車貸款的程序。在分期償還貸款中，對於您的每月付款，一部分用於支付貸款金額（本金），一部分用於支付融資費用（利息）。

    更多資料見 (英文)



    年利率（英文簡稱爲 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是您每年為借款支付的費用，包括以百分率表示的收費。APR 是衡量您借款成本的更廣泛的指標，因為它不僅反映利率，還反映您為獲得貸款而必須支付的費用。APR 越高，您在貸款期限內支付的金額就越多。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。請確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    受讓人 (Assignee)

    受讓人是購買您的汽車貸款的個人或公司。例如，向您提供信貸的汽車經銷商可能會將您的貸款出售給銀行，使銀行成為受讓人。您欠購買您的貸款的任何方的錢款。受讓人對車輛享有留置權，如果您不付款，可以收回車輛。



    基本價格 (Base price)

    基本價格是沒有選項的車輛價格。

    更多資料見 (英文)



    購買利率 (Buy rate)

    購買利率是當您申請經銷商安排的融資時，潛在貸方向您的經銷商報出的利率。

    更多資料見 (英文)



    聯署人 (Co-signer)

    聯署人是承諾在您不償還貸款時保證償還貸款的人，例如父母、親密的家庭成員或朋友。這對您和您的貸方都有好處。聯署人全權負責償還貸款。在您的貸款中有聯署人可以向您的貸方提供額外的保證，即貸款將得到償還。如果您不償還貸款，您的聯署人將負責還款，即使該聯署人從未駕駛過您的車輛。如果要求您聯署一筆貸款，您應該考慮這將如何影響您的財務狀況。



    信用保險 (Credit insurance)

    信用保險是一種供選用的保險，它可以讓您在某些情況下向貸方支付汽車貸款，例如您去世或殘障。 如果您正在考慮信用保險，請確保您了解所提供的保單條款。如果您決定需要保險，可能有比購買信用保險並將其添加到您的汽車貸款中更便宜的方式來獲得承保。例如，人壽保險可能比信用人壽保險便宜，並允許您的家人還清您的汽車貸款以外的其他費用。



    債務取消或暫停產品 (Debt cancellation or suspension products)

    一些汽車經銷商以及銀行和信用合作社以各種名義提供「債務取消」和「債務暫停」產品或保險。這些產品在功能上與信用保險類似，但費用和其他特點可能有所不同。

    更多資料見 (英文)



    清償抵押貸款餘額 (Deficiency balance)

    如果您的車輛被收回並出售，您可能需要支付剩餘貸款金額（加上收回費用）與銷售價格之間的差額。這稱為「清償抵押貸款餘額」。



    首付款 (Down payment)

    首付款是您為車輛總成本支付的初始頭期款。您的首付款可以是現金、以舊換新的價值，或二者兼有之。您的首付款越多，您需要借貸的款項就越少。較高的首付款也可能會減少您的每月付款和總融資成本。



    延長擔保或車輛維修合約 (Extended warranty or vehicle service contract)

    延長擔保或車輛維修合約為製造商擔保或擔保期結束後的某些類型的維修費用提供承保。

    更多資料見 (英文)



    融資保險部 (Finance and insurance department)

    如果您在經銷商處購買車輛，銷售員可能會將您轉介給融資保險部（英文簡稱爲 F&I）或業務辦公室的人員。這是經銷業務的一部分，在客戶同意在經銷商處購買車輛後，向客戶推銷貸款和供選用附加服務。

    更多資料見 (英文)



    固定利率融資 (Fixed-rate financing)

    固定利率融資表示您的貸款利率在貸款期限內不會改變。對於固定利率，您可以查看每個月的還款額以及您將在貸款期限內支付的總額。如果您在尋找不會改變的貸款付款，您可能會選擇固定利率融資。固定利率融資是一種融資方式。另一種類型是可變利率融資。



    強制保險 (Force-placed insurance)

    為了獲得購買車輛的貸款，您必須為車輛本身投保。如果您未能獲得保險或者讓您的保險失效，合約通常賦予貸方獲得車輛保險的權利。這種保險稱為「強制保險」。

    更多資料見 (英文)



    擔保汽車保護（英文簡稱爲 GAP）保險 (Guaranteed Auto Protection (GAP) insurance)

    GAP 保險承保您欠汽車貸款的金額與您的車輛被盜、損壞或報廢時保險支付金額之間的差額。您不必購買該保險，但如果您決定需要這種保險，請貨比三家。貸方可能會為該產品設置不同的價格。



    利率 (Interest rate)

    汽車貸款利率是您每年為借款而支付的成本，以百分率表示。利率不包括貸款收取的費用。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    貸款期限 (Loan term or duration)

    這是您的汽車貸款期限，通常以月為單位。較短的貸款期限（您有較少的每月付款月數）將降低您的總貸款費用。較長的貸款可以減少您的每月還款額，但您在貸款期限內需要支付更多的利息。較長的貸款還會使您面臨負資產的風險，即出現您欠車輛的錢款超過車輛價值的情形。



    貸款價值比 (Loan term or duration)

    貸款價值比（英文簡稱為 LTV）是您貸款的總美元價值除以您的車輛的實際現金價值（英文簡稱為 ACV）。這通常以百分率表示。您的首付款會降低貸款的貸款價值比。

    更多資料見 (英文)



    強制約束仲裁 (Mandatory binding arbitration)

    透過簽署具有強制約束仲裁條款的合約，您同意由仲裁員而不是法院裁決解決有關合約的任何爭議。您也可以同意放棄其他權利，例如您對決定提出上訴或加入集體訴訟的能力。

    更多資料見 (英文)



    製造商獎勵 (Manufacturer incentives)

    製造商獎勵是特殊交易，例如您可能看到的推銷新車廣告的 0% 融資或現金回扣。通常，這些僅適用於某些型號。

    更多資料見 (英文)



    製造商建議零售價（英文簡稱爲 MSRP）(Manufacturer Suggested Retail Price - MSRP)

    製造商建議零售價（英文簡稱爲 MSRP）是汽車製造商（簡稱「製造商」）建議經銷商索要的車輛價格。

    更多資料見 (英文)



    負資產 (Negative equity)

    如果您當前的汽車貸款欠款超過車輛價值（稱為「倒置」），您的資產就是負資產。換言之，如果您嘗試出售您的車輛，您將無法收回您已經欠付的錢款。例如，假設您欠 10,000 美元的汽車貸款，而您的車輛現在價值 8,000 美元。這意味著您有 2,000 美元的負資產。如果您想將您的車輛以舊換新，並申請汽車貸款購買新車，則需要還清負資產。



    無信用審查或「在這裡購買，在這裡付款」汽車貸款 (No credit check or "buy here, pay here" auto loan)

    經銷商提供一種「無信用審查」或「在這裡購買，在這裡付款」的汽車貸款，這通常是向沒有信用或信用不佳的借款人提供的「内部」汽車貸款融資。

    更多資料見 (英文)



    本金 (Principal)

    本金是您最初同意償還的錢款。

    通常，汽車貸款的任何付款都將首先用於支付任何到期費用（例如滯納金）。接下來，您付款中的剩餘資金將用於支付任何到期利息，包括逾期未付的利息（如適用）。然後，您還款的其餘部分將用於支付您的貸款的本金餘額。



    基於風險的定價 (Risk-based pricing)

    當貸方根據消費者無法償還貸款的估計風險向不同的消費者提供不同的利率或其他貸款條款時，就會出現基於風險的定價。

    更多資料見 (英文)



    總成本 (Total cost)

    這是您在貸款期限內購買車輛所需支付的金額，包括本金、利息和任何首付款或以舊換新費用。



    誠信借貸披露 (Truth in Lending disclosure)

    聯邦《誠信借貸法》（英文簡稱為 TILA）要求借款人在依法支付貸款之前收到有關重要信用條款的書面披露資料。詳細了解您的 TILA 披露中包含的資訊以及您應當何時收到和查看這些資訊。



    可變利率融資 (Variable-rate financing)

    可變利率融資是指您的貸款利率可以根據最優惠利率或稱為「指數」的另一種利率而變化。對於可變利率貸款，貸款利率會隨著指數利率的變化而變化，這意味著利率可能會上升或下降。因為您的利率會上升，因此您的每月付款也會上升。貸款期限越長，可變利率貸款對借款人的風險就越大，因為利率上升的時間更長。 可變利率融資是一種融資方式。另一種類型是固定利率融資。



    供應商單向利益（英文簡稱為 VSI）保險 (Vendor's Single Interest (VSI) insurance)

    在車輛損壞或毀壞的情況下，VSI 保險保護貸方，但不保護您。

    更多資料見 (英文)

    @@ -1461,10 +1461,10 @@

    有效現金價值（英文簡稱為 ACV）
    diff --git a/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html index 552c0b62da96..94d8b626c626 100644 --- a/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html +++ b/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html @@ -455,7 +455,7 @@

  19. - + Order free brochures @@ -1461,10 +1461,10 @@

    自動結算所（英文簡稱為 ACH）(Automated
    diff --git a/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html index 6953b983ed7e..ec6a66ce052f 100644 --- a/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html +++ b/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html @@ -455,7 +455,7 @@

  20. - + Order free brochures @@ -1298,7 +1298,7 @@

    抵押貸款重要術語

    -

    5/1 可調利率抵押貸款 (5/1 Adjustable Rate Mortgage)

    5/1 可調利率抵押貸款（英文簡稱為 ARM）或五年期 ARM 是一種抵押貸款，其中「5」是您的初始利率將保持固定不變的年數。「1」代表您的利率在最初五年期結束後調整的頻率。最常見的固定期限是 3、5、7 和 10 年，「1」是最常見的調整期限。如果您正在考慮 ARM，請務必仔細閱讀合約並提出問題。

    了解有關可調利率如何變化的更多詳情。



    償還能力規則 (Ability-to-repay rule)

    償還能力規則是大多數抵押貸款公司必須做出的合理和真誠的決定，以確保您有能力償還貸款。

    更多資料見 (英文)



    可調利率抵押貸款（英文簡稱為 ARM） (Adjustable Rate Mortgage - ARM)

    可調整利率抵押貸款（英文簡稱為 ARM）是一種利率可變化的貸款類型，通常與指數利率相關。您的每月還款額將根據貸款的初始期、利率上限和指數利率上下浮動。使用 ARM 時，利率和每月付款額可能開始時低於固定利率抵押貸款，但利率和每月付款額可能會大幅增加。

    了解有關 ARM 工作原理和注意事項的更多詳情。



    分期償還 (Amortization)

    分期償還意味著隨著時間的推移利用定期還款來償還貸款，這樣您欠的金額就會隨著每次還款而減少。大多數房屋貸款都是分期償還，但有些抵押貸款不會完全分期償還，這意味著您在還清所有款項後仍會欠款。

    一些房屋貸款只允許支付應付利息金額，或少於應付利息的金額。如果還款額少於每月到期的利息金額，則抵押貸款餘額將增加而不是減少。這稱為負攤還。在貸款期間未完全分期償還的其他貸款計劃可能要求在貸款期限結束時一次性支付大筆「大額尾付」。確保您知道您獲得的貸款類型。

    了解有關購房程序的更多詳情。



    融資額 (Amount financed)

    這表示您從貸方借入的金額減去貸方向您收取的大部分前期費用。

    更多資料見 (英文)

    年收入 (Annual income)

    年收入是抵押貸款申請中的一個因素，通常是指您一年的稅前總收入。年收入可包括來自全職或兼職工作、自營業務收入、小費、佣金、加班費、獎金或其他來源的收入。貸方將使用有關您的年收入和您現有的每月債務資訊來確定您是否有能力償還貸款。

    貸方在考慮向您提供貸款時是否會依賴特定的收入來源或金額通常取決於您是否可以合理地預期收入會持續。

    了解有關為什麼您的還款能力對貸方很重要的更多詳情。



    年利率（英文簡稱為 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是比利率更廣泛的借貸成本衡量標準。APR 反映了利率、任何點數、抵押貸款經紀人費用以及您為獲得貸款而支付的其他費用。因此，您的 APR 通常高於您的利率。

    了解如何比較 APR



    價值評估費 (Appraisal fee)

    價值評估費是對您計劃購買或已經擁有的房屋進行房屋價值評估的費用。房屋價值評估提供對財產價值的獨立評估。在大多數情況下，評估人的選擇和任何相關費用取決於您的貸方。

    了解有關購房程序的更多詳情。



    自動付款 (Automatic payment)

    自動付款允許您透過銀行設置定期抵押貸款付款。自動付款是確保您按時付款的一種便捷方式。



    大額尾付貸款 (Balloon loan)

    對於抵押貸款，大額尾付貸款意味著貸款有額度高於平常的一次性還款，通常在貸款期限結束時。這種一次性付款稱為「大額尾付」付款，它比您的其他付款額要高，有時甚至高得多。如果您無法支付大額尾付金額，您可能不得不再融資、賣掉您的房屋或面臨止贖。

    了解爲什麽大額尾付貸款可能有風險。



    雙週付款 (Bi-weekly payment)

    在雙週付款計劃中，抵押貸款機構每兩週收取您每月還款的一半金額，導致一年中有 26 次付款（總共每年額外付一次款）。透過支付額外款項並將您的付款用於支付本金，您可以提前還清貸款。在選擇雙週付款之前，請務必查看您的貸款期限，了解如果您這樣做是否會受到提前還款罰款。查看您的貸款機構是否對雙週付款計劃收取任何費用。您或許可以透過每年支付額外一個月抵押貸款來實現相同的目標，而無需支付費用。



    最終過戶條款文件 (Closing Disclosure)

    最終過戶條款文件是一份要求提供的五頁表格，提供有關您選擇的抵押貸款的最終詳細資訊。該表包括貸款期限、您預計的每月還款額，以及您將為獲得抵押貸款支付的費用和其他收費。

    了解如何在您的最終過戶條款文件中仔細查看有關您的貸款的所有詳細資訊是否正確。



    聯署人或共同貸款人 (Co-signer or co-borrower)

    聯署人或共同貸款人是同意承擔全部責任與您一起償還抵押貸款的人。如果您不付款，該人士有義務支付任何未付的款項，甚至是全額貸款。一些抵押貸款計劃將聯署人區分為未列入產權並且對抵押房屋沒有任何所有權權益的人。在您的抵押貸款上有聯署人或共同貸款人可為您的貸方提供額外的保證，確保貸款將得到償還。但是，如果您不償還貸款，您的聯署人或共同貸款人的信用記錄和財務將面臨風險。

    了解有關購房程序的更多詳情。



    建築貸款 (Construction loan)

    建築貸款通常是一種短期貸款，提供資金來支付建造或修復房屋的費用。

    更多資料見 (英文)



    常規貸款 (Conventional loan)

    常規貸款是指不受政府保險或擔保的任何抵押貸款（例如，聯邦住房管理局、退伍軍人事務部或農業部貸款計劃）。

    了解有關 常規貸款及其他貸款類型 的更多詳情。


    信用記錄 (Credit history)

    信用記錄是您的信用報告中顯示的信用帳戶和按時付款記錄。消費者報告公司（亦稱為信用報告公司）收集和更新有關您的信用記錄的資訊，並將其提供給其他企業，這些企業使用這些資訊做出有關您的決定。信用報告包括有關您的信用活動和當前信用狀況的資訊，例如您的貸款支付記錄和信用帳戶狀況。

    了解有關在購買住房之前查看您的信用記錄的更多詳情。



    信用報告 (Credit report)

    信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀況。貸方使用您的信用等級分數和信用報告中的資訊來確定您是否有資格獲得貸款以及向您提供的利率。

    了解如何索取您的信用報告。



    信用等級分數 (Credit score)

    信用等級分數可預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。有不同的評分模型，因此您不會只有一個信用等級分數。您的 等級分數取決於您的信用記錄、貸款產品類型，甚至計算等級分數的日期。

    了解您可以從哪裡獲得您的信用等級分數。



    資產負債率 (Debt ratio)

    您的債務收入比是您每月支付的所有債務除以您的每月總收入。這個數字是貸方衡量您管理每月付款以償還您計劃借入的錢款能力的一種方式。

    了解如何計算您的債務收入比。



    轉讓房產以替代止贖契約 (Debt ratio)

    轉讓房產以替代止贖契約是一種安排，您自願將房屋的所有權移交給貸方，以避免止贖程序。轉讓房產以替代止贖契約可幫助您避免對抵押貸款剩餘的任何金額承擔個人責任。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責的州，您應當請求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，索取書面豁免證明，並將其保存在您的記錄中。轉讓房產以替代止贖契約是一種減損類型。



    拖欠債務 (Delinquent)

    拖欠債務是逾期未付款的另一個術語。當您錯過付款或未在到期日全額付款時，您的貸款可能會成爲拖欠債務。在您拖欠債務一段時間後，貸方或貸款機構可能會開始止贖程序。時間長短因州不同而異。

    聯邦規則也可能適用於止贖何時開始。如果您無法支付抵押貸款，了解有關您的選擇的更多資訊。



    要求立即清偿债务條款 (Demand feature)

    最終過戶條款文件的一项聲明為「您的貸款有要求立即清偿债务條款」，可對該條款勾选「是」或「否」。要求立即清偿债务条款允許貸方要求提前償還貸款。

    更多資料見 (英文)



    首付款 (Down payment)

    首付款是您前期支付的房屋金額。您將房屋價值的一定百分比作為首付款支付，並透過抵押貸款借入其餘部分。通常，您支付的首付款越多，您獲得的利率就越低，您的貸款獲得批准的可能性就越大。

    了解有關確定您的首付款的更多資訊。



    首付款計劃或贈款 (Down payment programs or grants)

    首付款贈款或計劃通常是指政府或非營利機構等組織向購房者提供的幫助，以幫助他們支付購房首付款。資金可以作為直接贈款提供，也可能需要償還，例如在出售房屋時償還。

    了解從哪裡可以獲得有關首付款計劃和贈款的資訊。



    定金 (Earnest money)

    定金是買方支付的押金，以表示對簽署的購房合約協議的真誠意願。該押金由賣方或第三方持有，例如房地產經紀人或產權擔保公司。如果房屋銷售最終確定或「過戶」，則可以將定金用作過戶費或首付款。如果合約是出於允許的原因終止，則將定金退還給買方。如果買方沒有真誠的表現，定金可能會被沒收，並付給賣方。

    了解有關購房程序的更多資訊。



    資產净值 (Equity)

    資產净值是您的房產目前價值金額減去您的房產任何現有抵押貸款金額。

    了解什麼是住房淨值貸款。



    代管 (Escrow)

    您的抵押貸款機構建立了代管帳戶，以支付某些與房產相關的費用，例如財產稅和房主保險。您每月付款的一部分進入該帳戶。 如果您的抵押貸款沒有代管帳戶，則直接支付與房產相關的費用。

    了解有關代管如何影響您的每月抵押貸款付款的更多資訊。



    房利美（Fannie Mae）

    聯邦國家抵押貸款協會（英文簡稱爲 FNMA）（房利美）購買並為貸款機構的抵押貸款擔保，以增加容易負擔的貸款。房利美不是聯邦機構。它是獲得聯邦住宅金融管理署（英文簡稱為 FHFA）保護的政府贊助企業。

    了解有關常規貸款的更多資訊。



    FHA 融資費 (FHA funding fee)

    聯邦住宅管理局（英文簡稱為 FHA）要求大多數獨戶計劃支付 FHA 融資費和每月保費（英文簡稱為 MIP）。這項前期抵押貸款保費有時稱為前期抵押貸款保費（英文簡稱為 UFMIP）。

    了解 FHA 抵押貸款是否適合您。



    FHA 貸款 (FHA loan)

    FHA 貸款是由聯邦住宅管理局（英文簡稱爲 FHA）監管和保險的私人貸方的貸款。FHA 貸款與常規貸款不同，因為它們允許較低的信用等級分數和低至貸款總額 3.5％ 的首付款。最高貸款金額因縣不同而異。

    了解有關該貸款和其他抵押貸款選擇。



    FHA 抵押貸款限額 (FHA mortgage limits)

    FHA 抵押貸款限額是聯邦住宅管理局（英文簡稱爲 FHA）對作為其獨戶住房抵押貸款計劃一部分擔保的合格抵押貸款的美元金額限額。這些限額因地點不同而異，每年可能會修改。

    使用 FHA 的工具查找您所在縣級貸款限額 。



    融資費用 (Finance charge)

    融資費用是您在抵押貸款的整個期限內支付的利息和貸款費用總額。

    更多資料見 (英文)



    首次購房者（英文簡稱爲 FTHB）貸款計劃 (First-time home buyers (FTHB) loan programs)

    首次購房者（英文簡稱爲 FTHB）可以使用多種不同類型的貸款計劃購買他們的第一套房屋。受歡迎的 FTHB 貸款包括聯邦住宅管理局（英文簡稱為 FHA）、美國退伍軍人事務部（英文簡稱為 VA）、美國農業部（英文簡稱爲 USDA）、房利美（Fannie Mae）和房地美（Freddie Mac）提供的低首付款計劃。一些計劃將 FTHB 定義為三年或更長時間未購房的人。

    理解您的貸款選擇。



    固定利率抵押貸款 (Fixed-rate mortgage)

    固定利率抵押貸款是一種利率在您貸款時設定的房屋貸款，在貸款期限內不會改變。

    了解有關固定利率抵押貸款如何運作以及需要考慮事項的更多資訊。



    債務償還期延展 (Forbearance)

    債務償還期延展是指您的貸款機構允許您暫時以較低的利率支付抵押貸款或暫時停止支付抵押貸款。例如，如果您最近失業、遭受災難或因疾病或受傷醫療保健費用增加，您的貸款機構可能會給予您債務償還期延展。債務償還期延展是一種減損類型。

    了解有關抵押貸款債務償還期延展的更多資訊。

    根據您擁有的貸款類型，可能會有不同的債務償還期延展選擇。您必須與您的貸款機構聯繫，請求債務償還期延展。請記住，當您的債務償還期延展結束時，您必須補足這些漏過或減少的付款。



    強制保險 (Force-placed insurance)

    當您沒有自己的保單或您自己的保單不符合貸款機構的要求時，您的貸款機構可能會要求強制保險。強制保險通常只保護貸方，而不保護您。貸款機構將向您收取保費。強制保險通常比自己尋找保單更昂貴。



    止贖 (Foreclosure)

    止贖是指房主未能支付抵押貸款後，貸方或貸款機構收回房產。在某些州，貸方必須上法庭才能取消您的房產贖回權（法院裁定的取消抵押品贖回權），但其他州不需要法院程序（非法院裁定的取消抵押品贖回權）。通常，如果貸方或貸款機構開始止贖程序，必須通知借款人。聯邦規則可能適用於止贖何時開始。
    如果您擔心止贖，請了解如何獲得幫助。



    房地美（Freddie Mac）

    聯邦住房貸款抵押公司（英文簡稱爲 FHLMC）（房地美）是一家由國會創立的私人公司。其使命是透過從銀行和其他貸款機構購買抵押貸款促進住房市場的穩定性和可負擔性。該公司目前在聯邦住宅金融管理署（英文簡稱爲 FHFA）的指導下處於監管之中。

    了解有關常規貸款的更多資訊。



    真誠費用估算 (Good Faith Estimate)

    真誠費用估算（英文簡稱爲 GFE）是貸方在您申請反向抵押貸款時必須提供給您的表格。GFE 列出了有關反向抵押貸款條款的基本資訊。

    了解您何時會收到真誠費用估算。



    政府記錄收費 (Government recording charges)

    政府記錄收費是州和地方政府機構為合法記錄您的契約、抵押貸款和與您的住房貸款相關的文件收取的費用。

    更多資料見 (英文)


    高價抵押貸款 (Higher-priced mortgage loan)

    通常，高價抵押貸款的年利率或 APR 高於稱為平均優惠利率的基準利率。

    更多資料見 (英文)


    業主協會（英文簡稱為 HOA）會費 (HOA dues)

    如果您想要購買共管公寓、住房合作社管理公寓或計劃分區或其他提供共享服務的有組織社區的房屋，您通常需要支付共管公寓費或業主協會（英文簡稱爲 HOA）會費。這些費用差別很大。共管公寓或 HOA 會費通常與您的每月抵押貸款分開支付。如果您不支付這些費用，您可能會面臨業主協會的債務追收，甚至被取消抵押品贖回權。

    了解有關購房程序的更多資訊。


    房屋價值評估 (HOA dues)

    房屋價值評估是一份書面文件，顯示對房產價值的看法。價值評估為您提供有關房產的有用資訊。價值評估描述了房產的價值所在，並可能顯示該房產與鄰里其他房產的比較狀況。價值評估是對房產價值的獨立評估。

    了解有關爲什麽價值評估很重要的更多資訊。



    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）(Home equity line of credit - HELOC)

    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）是一種允許您以住房淨值為抵押借款的信用額度。住房淨值是您的房產當前價值金額減去您的房產的任何抵押貸款金額。與住房淨值貸款不同，HELOC 通常具有可調利率。對於大多數 HELOC，您會收到特別支票或信用卡，您可以在開設帳戶後的指定時間內借款。這段時間稱為「借款期」。在「借款期」内，您可以借款，但必須支付最低還款額。當「借款期」結束時，您將無法再從您的信用額度中借款。「借款期」結束後，您可能需要一次性還清所有餘額，或者可能允許您在一段時間內還款。如果您無法償還 HELOC，貸方可能會取消您的房屋抵押贖回權。



    住房淨值貸款 (Home equity line of credit - HELOC)

    住房淨值貸款（有時稱為 HEL）允許您使用住房淨值作為抵押品來借款。住房淨值是您的房產當前價值金額減去您的房產的任何現有抵押貸款金額。您從住房淨值貸款中一次性收到資金。住房淨值貸款通常有固定利率 — 不會改變的利率。如果您無法償還 HEL，貸方可能會取消您的房屋抵押贖回權。



    房屋檢查 (Home inspection)

    房屋檢查通常是購房程序的一部分。您通常有權聘請房屋檢查員檢查房產並指出其優點和缺點。這通常特別有助於檢測房屋的結構和機械系統，包括供暖、通風、空調和電氣系統。

    了解如何安排房屋檢查。


    購房價格 (Home purchase price)

    購房價格是買賣雙方同意支付給賣方的購買房屋的金額。

    了解有關如何找到合適的住房的更多資訊。


    房主保險 (Homeowner's insurance)

    如果發生火災或入室盜竊等意外情況，房主保險會賠償您的財產損失和損壞。當您有抵押貸款時，您的貸方希望確保您的財產受到保險的保護。這是為什麼貸方通常需要證明您擁有房主保險的原因。房主保險不同於抵押貸款保險。

    了解有關購房程序的更多資訊。



    業主協會（英文簡稱為 HOA）(Homeowners’ Association - HOA)

    業主協會（英文簡稱為 HOA）的成立通常是為了管理分攤費用，例如計劃分區或其他有組織社區的景觀美化和其他維護費用。共管公寓 HOA 承擔更多責任，例如維護車道、共用結構和屋頂。

    獲取有關 HOA 可能如何在您的抵押貸款對帳單中顯示的更多資訊。



    HUD

    住宅與城市發展部（英文簡稱爲 HUD）是一家政府機構，旨在幫助人們獲得和維護優質和可負擔的住房。他們培訓和贊助全美各地的住房顧問。HUD 批准的住房諮詢機構可向您提供購房者諮詢，幫助您了解和評估您的選擇。

    查找 HUD 批准的住房諮詢機構。



    HUD-1 過戶明細表 (HUD-1 settlement statement)

    住房與城市發展部第 1 號（英文簡稱為 HUD-1）過戶明細表列出了房地產過戶中買方和賣方的所有費用和信貸，或抵押貸款再融資中的所有費用。如果您申請反向抵押貸款或您在 2015 年 10 月 3 日或之前申請抵押貸款，您將收到 HUD-1。

    了解您何時會收到 HUD-1。



    指數 (Index)

    指數是反映一般市場狀況的基準利率。指數根據市場變化。指數變化以及您的貸款利率浮動百分比決定可調利率抵押貸款的利率變化。

    了解指數如何影響可調利率抵押貸款的利率。



    初始調整上限 (Initial adjustment cap)

    初始調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）相關聯。這個上限決定利率在固定利率期滿後第一次調整時可以增加多少。這個上限通常是百分之二或百分之五 — 這意味著在第一次利率變化時，新利率不能比固定利率期間的初始利率高出兩個（或五個）百分點以上。

    了解指數如何影響可調利率抵押貸款。



    初始代管存款 (Initial escrow deposit)

    如果您的貸方要求，初始代管存款是您在過戶時為啟動您的代管帳戶而支付的金額。

    更多資料見 (英文)


    利率 (Interest rate)

    抵押貸款的利率是您每年為借款而支付的費用，以百分比表示。它不反映您可能需要為貸款支付的費用或任何其他費用。例如，如果抵押貸款為 100,000 美元，利率為 4%，則該消費者同意在其借款的每年或欠付全部金額時支付 4,000 美元。

    查看您所在地區的利率。


    利率上限 (Interest rate cap)

    利率上限（有時也稱為年度上限）是可調利率抵押貸款（英文簡稱爲 ARM）每年可能發生的最高利率增長，即使利率在市場利率下會增長更多。例如，如果此上限為百分之二，則新利率不能比以前的利率高出兩個百分點以上。

    了解貸方如何使用指數和利率浮動百分比調整您的利率。



    只付息貸款 (Interest-only loan)

    只付息抵押貸款是一種定期還款的貸款，要求您在指定的時間內只支付利息。

    更多資料見 (英文)





    超過（房利美/房地美）上限的大額貸款 (Jumbo loan)

    每年房利美（Fannie Mae）、房地美（Freddie Mac）及其監管機構聯邦住宅金融管理署（英文簡稱為 FHFA）都會設定他們將從貸方購買的貸款的最高金額。

    更多資料見 (英文)



    貸方產權保險 (Lenders title insurance)

    貸方產權保險保護您的貸方免受您的房產產權問題的影響，例如有人對房屋提出法律索賠。貸方產權保險僅保護貸方免受產權問題的影響。為了保護自己，您可能需要購買業主產權保險。

    更多資料見 (英文)



    終身調整上限 (Lifetime adjustment cap)

    終身調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）一起使用。這個上限決定了在貸款期限內利率總共可以增加多少。例如，如果此上限為 5%，則意味著利率永遠不會比初始利率高出 5 個百分點。一些貸方可能有不同或更高的上限。

    了解指數如何影響可調利率抵押貸款。



    承擔 (Loan assumption)

    貸款承擔發生在買方購買賣方房屋時，買方接手賣方的抵押貸款。買方承擔賣方尚未償還的抵押貸款餘額，並按照最初的貸款條款付款，例如利率和剩餘的抵押貸款期限。當新的抵押貸款提供的利率高於賣方最初取得抵押貸款時的利率時，貸款承擔可能在財務上具有意義。

    房屋售價與承擔貸款餘額之間的差額等於買方需要支付的金額，可以用現金支付或者透過自己取得抵押貸款來支付。

    要接手抵押貸款，購屋者需要符合貸款承擔的資格要求。符合資格通常是根據對買方的信用和收入的審查，類似於對新抵押貸款的資格要求。

    貸款承擔也可以適用於獲得有抵押貸款的房產的所有權的情況，例如在去世或離婚後。



    延期還款 (Loan deferment)

    面臨難以償還抵押貸款困境的借款人通常有權向抵押貸款服務公司尋求幫助。抵押貸款服務公司可以同意延期還款，使借款人能夠藉由延遲償還逾期抵押貸款來避免止贖。當借款人重新貸款或出售房屋，或抵押貸款以其他方式終止時，延期還款金額即到期。


    貸款估算 (Loan estimate)

    貸款估算是您在申請抵押貸款後收到的一份三頁表格。

    更多資料見 (英文)


    貸款修改 (Loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損方法。修改可以將您的每月付款減少到您可以負擔的金額。修改可能涉及延長您必須償還貸款的年限、降低您的利率和/或債務償還期延展或減少您的本金餘額。如果向您提供貸款修改，請確保您知道它將如何改變您的每月付款以及您在短期和長期內的欠款總額。

    了解有關抵押貸款修改的更多資訊。



    貸款價值比 (Loan-to-value ratio)

    貸款價值比（英文簡稱爲 LTV）是一種將您的抵押貸款金額與房產評估價值進行比較的衡量標準。首付款越高，LTV 就越低。抵押貸款機構可以根據 LTV 來決定是否貸款給您，並確定他們是否要求私人抵押貸款保險。

    了解您的貸款價值比如何與您的費用相關。



    減損 (Loss mitigation)

    減損是指抵押貸款機構與抵押貸款借款人合作為避免止贖而採取的措施。減損是指貸款機構有責任減少或「減輕」投資者可能因止贖而遭受的損失。某些減損選擇可能幫助您繼續住在自己的住宅中。另一些選擇可能幫助您在不止贖的情況下離開自己的住房。減損選擇可能包括轉讓房產以替代止贖契約、債務償還期延展、還款計劃、短售或貸款修改。

    如果您在支付抵押貸款時遇到困難，或者您已經獲得提議並正在考慮各種減損選擇，請與住宅與城市發展部（英文簡稱爲 HUD）批准的住房諮詢機構聯繫。

    您可以使用消費者金融保護局（英文簡稱爲 CFPB）的 「查找顧問」 （Find a Counselor）工具，獲取您所在地區經 HUD 批准的住房諮詢機構名單。您也可以撥打每週七天、每天二十四小時開放的 HOPE™ 熱線電話 (888) 995-HOPE (4673)。



    利率浮動百分比 (Margin)

    利率浮動百分比是抵押貸款機構在初始利率期結束後為您的可調利率抵押貸款（英文簡稱爲 ARM）設定利率而添加到指數中的百分點數。利率浮動百分比在您的貸款協議中設定，在過戶後不會改變。利率浮動百分比金額取決於特定的貸方和貸款。

    了解利率浮動百分比如何影響可調利率抵押貸款。



    每月開支 (Monthly expenses)

    這是您每個月花費的錢款。它可能包括但不限於經常性债务，例如租金或抵押貸款付款、公用事业費、汽車付款、子女撫養費和保險費，以及食物等必需品开支。這些债务中的大多數都有固定的到期日。

    使用本支出跟踪工具評估您的每月支出。



    抵押貸款 (Mortgage)

    抵押貸款是您與貸方之間的協議，允許您借錢購房或為房屋再融資，並賦予貸方在您未能償還所借款項時收回您的房产的權利。

    如果您準備好申请抵押貸款，請了解有關購房的更多資訊。



    抵押貸款过户核查单 (Mortgage closing checklist)

    抵押貸款过户核查单是您可以用來準備和了解預期情況的步驟列表。該核查單可幫助您確定要提前提出的重要問題，以便您可以自信地過戶。

    利用本工作單準備過戶。



    抵押貸款過戶費 (Mortgage closing costs)

    抵押貸款過戶費是您在過戶時支付的所有費用。這包括貸款初辦手續費、價值評估費、信用報告費、產權保險費以及您的貸方要求的或作為房地產抵押貸款交易一部分支付的任何其他費用。貸方需要在貸款估算中向您提供這些費用摘要。

    了解有關過戶時發生的情況的更多資訊。



    抵押貸款保險 (Mortgage insurance)

    如果您拖欠付款，抵押貸款保險可以保護貸方。如果您的首付款低於房產價值的 20%，通常要求購買抵押貸款保險。聯邦住宅管理局（英文簡稱為 FHA）和美國農業部（英文簡稱爲 USDA）貸款通常也要求購買抵押貸款保險。但是，如果您有常規貸款並且您的首付款低於 20%，您很可能有私人抵押貸款保險（英文簡稱爲 PMI）。

    了解抵押貸款保險如何運作



    抵押貸款修改 (Mortgage loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損類型。

    更多資料見 (英文)



    抵押貸款再融資 (Mortgage refinance)

    抵押貸款再融資是指您申請新貸款以還清並取代舊貸款。再融資的常見原因是降低月利率、降低抵押貸款還款額或借入額外資金。當您再融資時，您通常需要支付過戶費和收費。如果您再融資並獲得較低的每月付款，請確保您了解減少的金額有多少來自較低的利率，有多少是因為您的貸款期限延長。

    我應當再融資嗎？

    抵押貸款再融資消費者指南

    您的房屋貸款工具包

    可調利率抵押貸款消費者手冊



    抵押貸款期限 (Mortgage term)

    您的抵押貸款期限是您必須償還貸款的期限。對於大多數類型的房屋，抵押貸款期限通常為 15 年、20 年或 30 年。

    查看貸款期限選擇。



    貸款初辦費 (Origination Fee)

    貸款初辦費是貸方向借款人收取的發放抵押貸款的費用。貸款初辦費可能包括處理申請、承銷和資助貸款以及其他行政服務費。貸款初辦費通常只能在某些情況下增加。

    了解有關抵押貸款初辦費的更多資訊。



    業主產權保險 (Owner's title insurance)

    如果有人在房主購房之前起訴並聲稱他們對房屋提出索賠，則業主產權保險可為房主提供保護。

    更多資料見 (英文)



    PACE 融資 (Pace financing)

    PACE 融資提供一種為節能住宅改善提供資金的方式。

    更多資料見 (英文)


    部分索賠 (Partial claim)

    部分索賠是一種利用抵押貸款保險來幫助陷入困境的屋主避免止贖的方法。抵押貸款服務公司向抵押貸款保險公司提出索賠，索賠金額等於未支付的抵押貸款金額，保險公司會將這筆錢存入一個獨立的帳戶中。接著，當借款人為抵押貸款重新貸款、出售房屋或以其他方式終止抵押貸款時，部分索賠的金額將支付給抵押貸款服務公司。有時，部分索賠金額可能不足以涵蓋未付款的全部金額，此時借款人必須支付差額。



    付清金額 (Payoff amount)

    您的付清金額是您實際需要支付多少金額才能滿足您的抵押貸款條款並完全還清您的債務。您的付清金額與當前餘額不同。您的當前餘額可能無法反映您實際需要支付多少金額才能完全償還貸款。您的付清金額還包括在您打算還清貸款之日之前欠付的任何利息付款。付清金額還可能包括您已產生但尚未支付的其他費用。



    PCS 命令 (PCS orders)

    現役軍人可能會收到永久性遷基地（英文簡稱為 PCS）命令。PCS 命令是將軍人（以及與他們同住的任何家庭成員）正式搬遷到不同的工作地點。如果軍人擁有房屋，他們可能會選擇出售。如果軍人欠付的房屋費用超過房屋的價值，他們可能很難賣掉房屋。一些貸款機構提供的計劃允許軍人出售他們的房屋，而不必償還剩餘的貸款餘額。請查閲軍人資源，了解更多資訊。



    PITI

    本金、利息、稅金和保險（亦稱爲 PITI）是每月抵押貸款還款的四個基本要素。

    更多資料見 (英文)



    PMI

    私人抵押貸款保險（英文簡稱爲 PMI）是一種使您的貸方受益的抵押貸款。如果您的首付款低於物業價值的 20% 並且您有常規貸款，您可能需要支付 PMI。一旦您在住宅中積累了一定金額的資產淨值，您就可以取消 PMI。

    了解何時需要 PMI 的更多資訊。



    預付利息收費 (Prepaid interest charges)

    預付利息收費是在您的抵押貸款過戶之日到您的第一個月抵押貸款付款涵蓋階段之間您的貸款產生的任何每日利息在過戶時應付的費用。

    更多資料見 (英文)



    提前償付貸款罰金 (Prepayment penalty)

    提前償付貸款罰金是一些貸方在您提前償還全部或部分抵押貸款時收取的費用。如果您有提前償付貸款罰金，您在房屋過戶時應當已經同意支付該罰金。並非所有抵押貸款都有提前償付貸款罰金。



    本金 (Principal)

    本金是您必須償還的抵押貸款金額。您的每月付款包括該本金的一部分。當償還本金時，借款人欠款金額會減少，並且根據較低的貸款金額將支付 較少的利息。

    了解利率與本金之間的區別。



    財產稅 (Property taxes)

    財產稅是地方司法管轄部門（通常在縣級）根據徵稅財產的價值徵收的稅款。通常，財產稅是在房主的每月抵押貸款付款中徵收的，然後每年一次或多次支付給相關司法管轄部門。這稱為代管帳戶。如果貸款沒有代管帳戶，房主將直接支付財產稅。

    了解有關購房程序的更多資訊。



    合格抵押貸款 (Qualified mortgage)

    合格抵押貸款是一種類型的貸款，具有某些更穩定的特徵，有助於使您更有可能負擔得起貸款。

    更多資料見 (英文)



    合格書面請求（英文簡稱爲 QWR）(Qualified Written Request - QWR)

    合格書面請求（英文簡稱爲 QWR）是您或代表您的人可以發送給您的抵押貸款機構的書面信件。您還可以向您的貸款機構發送「錯誤通知」或「資訊請求」，用於取代 QWR。

    更多資料見 (英文)


    償還計劃 (Repayment plan)

    償還計劃是一種結構化的方式，用於彌補您在一段時間內未付的抵押貸款付款。這是一種減損方法。如果您在支付抵押貸款時遇到困難，您的貸方或貸款機構可能會允許您簽訂償還計劃。在制定償還計劃之前，請確保您了解該計劃的要求以及您是否能夠支付新款項。



    反向抵押貸款 (Reverse mortgage)

    反向抵押貸款允許 62 歲或以上的房主從其房屋淨值中借款。這稱為「反向」抵押貸款，因為您不是向貸方付款，而是從貸方那裡收到錢款。您收到的錢款和貸款收取的利息每月都會增加您的貸款餘額。目前大多數反向抵押貸款都稱為 HECM，這是住房淨值可變現抵押貸款的縮寫。

    了解申請反向抵押貸款前應考慮的事項。



    撤銷權 (Right of rescission)

    撤銷權是指消費者有權取消某些類型的貸款。如果您透過抵押貸款購買房屋，您無權在過戶文件簽署後取消貸款。但是，如果您為抵押貸款再融資，您可以在交易後第三個工作日午夜之前撤銷（取消）抵押貸款合約。該三天時間從您簽署信貸合約（通常稱為本票），您收到誠信借貸披露表，並且收到兩份解釋您撤銷權利的通知副本後才開始計時。



    第二抵押貸款 (Second mortgage)

    第二抵押貸款或初級留置權是您使用您的房屋作為抵押品而獲得的貸款，而您仍有另一筆貸款以您的房屋為抵押。

    了解有關第二抵押貸款的更多資訊。



    擔保物權 (Security interest)

    如果您不償還所借的錢款，擔保物權可允許貸方取消抵押品贖回權。

    更多資料見 (英文)


    賣方融資 (Seller financing)

    賣方融資是您的房屋的賣方向您提供的貸款。

    更多資料見 (英文)



    貸款機構 (Servicer)

    您的抵押貸款機構是向您發送抵押貸款報表的公司。您的貸款機構還負責管理您的貸款的日常任務。

    您的貸款機構通常會處理您的貸款付款、回复借款人的詢問、跟踪支付的本金和利息，並管理您的代管帳戶（如有）。在某些情況下，貸款機構可能會發起止贖。您的貸款機構可能是也可能不是最初向您提供貸款的公司。



    增值共享抵押貸款 (Shared appreciation mortgage)

    根據增值共享抵押貸款，您同意與您的貸方分享您的房屋價值的任何增值部分。

    更多資料見 (英文)



    短售 (Short sale)

    短售是指以低於您所欠抵押貸款的價格出售您的房屋。短售是止贖的另一種替代方法，但由於是出售，您將必須離開您的住宅。如果您的貸方或貸款機構同意短售，您可以出售房屋以還清抵押貸款，即使售價或收益低於抵押貸款餘額。短售是一種減損類型。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責任的州，您應當要求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，請獲得書面豁免證書，並將其保存在您的記錄中。



    次級抵押貸款 (Subprime mortgage)

    當貸方使用該術語時，它們通常是指為不符合優質貸款條件的借款人提供的貸款計劃，通常利率較高。

    了解有關購房程序的更多資訊。



    勘測圖 (Survey)

    勘測圖是您的房產的圖紙，顯示地塊、房屋和任何其他結構的位置，以及對房產的任何改進。

    更多資料見 (英文)



    產權轉移手續費 (Title service fees)

    產權轉移手續費是您在獲得抵押貸款時支付的過戶費的一部分。當您購買房屋時，您會收到一份通常稱為契約的文件，該文件表明賣方將其對房屋的合法所有權或「產權」轉讓給您。產權轉移手續費是與為貸方簽發產權保單相關的費用。

    更多資料見 (英文)



    總利息百分比（英文簡稱為 TIP）(Total interest percentage - TIP)

    總利息百分比（英文簡稱為 TIP）是一種資訊披露，告訴您在抵押貸款的整個期限內您將支付多少利息。

    更多資料見 (英文)



    付款總額 (Total of payments)

    這個數字告訴您在抵押貸款期限內您將支付的總金額。

    更多資料見 (英文)



    TRID

    TRID 是一些人用來指代《誠信借貸法》與《不動產過戶程序法案》（英文簡稱為 TILA-RESPA）綜合資訊披露（TILA RESPA Integrated Disclosure）規定的首字母縮略語。

    更多資料見 (英文)



    USDA 貸款 (USDA Loan)

    農村住房服務署是美國農業部（英文簡稱為 USDA）的一部分，它向達到 USDA 收入資格要求的農村購房者提供無首付款和普遍優惠利率的抵押貸款計劃。

    了解有關此項計劃和其他特殊貸款計劃的更多資訊。



    VA 貸款 (VA loan)

    VA 貸款是退伍軍人事務部（英文簡稱爲 VA）提供的一項貸款計劃，旨在幫助現役軍人、退伍軍人和合格的未亡配偶購房。 退伍軍人事務部不提供貸款，但會制定有關哪些人符合資格和抵押貸款條款的規則。退伍軍人事務部為部分貸款提供擔保，以降低貸款人遭受損失的風險。貸款通常僅適用於主要居所。

    如果您是退伍軍人，請了解VA 貸款是否適合您。

    +

    5/1 可調利率抵押貸款 (5/1 Adjustable Rate Mortgage)

    5/1 可調利率抵押貸款（英文簡稱為 ARM）或五年期 ARM 是一種抵押貸款，其中「5」是您的初始利率將保持固定不變的年數。「1」代表您的利率在最初五年期結束後調整的頻率。最常見的固定期限是 3、5、7 和 10 年，「1」是最常見的調整期限。如果您正在考慮 ARM，請務必仔細閱讀合約並提出問題。

    了解有關可調利率如何變化的更多詳情。



    償還能力規則 (Ability-to-repay rule)

    償還能力規則是大多數抵押貸款公司必須做出的合理和真誠的決定，以確保您有能力償還貸款。

    更多資料見 (英文)



    可調利率抵押貸款（英文簡稱為 ARM） (Adjustable Rate Mortgage - ARM)

    可調整利率抵押貸款（英文簡稱為 ARM）是一種利率可變化的貸款類型，通常與指數利率相關。您的每月還款額將根據貸款的初始期、利率上限和指數利率上下浮動。使用 ARM 時，利率和每月付款額可能開始時低於固定利率抵押貸款，但利率和每月付款額可能會大幅增加。

    了解有關 ARM 工作原理和注意事項的更多詳情。



    分期償還 (Amortization)

    分期償還意味著隨著時間的推移利用定期還款來償還貸款，這樣您欠的金額就會隨著每次還款而減少。大多數房屋貸款都是分期償還，但有些抵押貸款不會完全分期償還，這意味著您在還清所有款項後仍會欠款。

    一些房屋貸款只允許支付應付利息金額，或少於應付利息的金額。如果還款額少於每月到期的利息金額，則抵押貸款餘額將增加而不是減少。這稱為負攤還。在貸款期間未完全分期償還的其他貸款計劃可能要求在貸款期限結束時一次性支付大筆「大額尾付」。確保您知道您獲得的貸款類型。

    了解有關購房程序的更多詳情。



    融資額 (Amount financed)

    這表示您從貸方借入的金額減去貸方向您收取的大部分前期費用。

    更多資料見 (英文)

    年收入 (Annual income)

    年收入是抵押貸款申請中的一個因素，通常是指您一年的稅前總收入。年收入可包括來自全職或兼職工作、自營業務收入、小費、佣金、加班費、獎金或其他來源的收入。貸方將使用有關您的年收入和您現有的每月債務資訊來確定您是否有能力償還貸款。

    貸方在考慮向您提供貸款時是否會依賴特定的收入來源或金額通常取決於您是否可以合理地預期收入會持續。

    了解有關為什麼您的還款能力對貸方很重要的更多詳情。



    年利率（英文簡稱為 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是比利率更廣泛的借貸成本衡量標準。APR 反映了利率、任何點數、抵押貸款經紀人費用以及您為獲得貸款而支付的其他費用。因此，您的 APR 通常高於您的利率。

    了解如何比較 APR



    價值評估費 (Appraisal fee)

    價值評估費是對您計劃購買或已經擁有的房屋進行房屋價值評估的費用。房屋價值評估提供對財產價值的獨立評估。在大多數情況下，評估人的選擇和任何相關費用取決於您的貸方。

    了解有關購房程序的更多詳情。



    自動付款 (Automatic payment)

    自動付款允許您透過銀行設置定期抵押貸款付款。自動付款是確保您按時付款的一種便捷方式。



    大額尾付貸款 (Balloon loan)

    對於抵押貸款，大額尾付貸款意味著貸款有額度高於平常的一次性還款，通常在貸款期限結束時。這種一次性付款稱為「大額尾付」付款，它比您的其他付款額要高，有時甚至高得多。如果您無法支付大額尾付金額，您可能不得不再融資、賣掉您的房屋或面臨止贖。

    了解爲什麽大額尾付貸款可能有風險。



    雙週付款 (Bi-weekly payment)

    在雙週付款計劃中，抵押貸款機構每兩週收取您每月還款的一半金額，導致一年中有 26 次付款（總共每年額外付一次款）。透過支付額外款項並將您的付款用於支付本金，您可以提前還清貸款。在選擇雙週付款之前，請務必查看您的貸款期限，了解如果您這樣做是否會受到提前還款罰款。查看您的貸款機構是否對雙週付款計劃收取任何費用。您或許可以透過每年支付額外一個月抵押貸款來實現相同的目標，而無需支付費用。



    最終過戶條款文件 (Closing Disclosure)

    最終過戶條款文件是一份要求提供的五頁表格，提供有關您選擇的抵押貸款的最終詳細資訊。該表包括貸款期限、您預計的每月還款額，以及您將為獲得抵押貸款支付的費用和其他收費。

    了解如何在您的最終過戶條款文件中仔細查看有關您的貸款的所有詳細資訊是否正確。



    聯署人或共同貸款人 (Co-signer or co-borrower)

    聯署人或共同貸款人是同意承擔全部責任與您一起償還抵押貸款的人。如果您不付款，該人士有義務支付任何未付的款項，甚至是全額貸款。一些抵押貸款計劃將聯署人區分為未列入產權並且對抵押房屋沒有任何所有權權益的人。在您的抵押貸款上有聯署人或共同貸款人可為您的貸方提供額外的保證，確保貸款將得到償還。但是，如果您不償還貸款，您的聯署人或共同貸款人的信用記錄和財務將面臨風險。

    了解有關購房程序的更多詳情。



    建築貸款 (Construction loan)

    建築貸款通常是一種短期貸款，提供資金來支付建造或修復房屋的費用。

    更多資料見 (英文)



    常規貸款 (Conventional loan)

    常規貸款是指不受政府保險或擔保的任何抵押貸款（例如，聯邦住房管理局、退伍軍人事務部或農業部貸款計劃）。

    了解有關 常規貸款及其他貸款類型 的更多詳情。


    信用記錄 (Credit history)

    信用記錄是您的信用報告中顯示的信用帳戶和按時付款記錄。消費者報告公司（亦稱為信用報告公司）收集和更新有關您的信用記錄的資訊，並將其提供給其他企業，這些企業使用這些資訊做出有關您的決定。信用報告包括有關您的信用活動和當前信用狀況的資訊，例如您的貸款支付記錄和信用帳戶狀況。

    了解有關在購買住房之前查看您的信用記錄的更多詳情。



    信用報告 (Credit report)

    信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀況。貸方使用您的信用等級分數和信用報告中的資訊來確定您是否有資格獲得貸款以及向您提供的利率。

    了解如何索取您的信用報告。



    信用等級分數 (Credit score)

    信用等級分數可預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。有不同的評分模型，因此您不會只有一個信用等級分數。您的 等級分數取決於您的信用記錄、貸款產品類型，甚至計算等級分數的日期。

    了解您可以從哪裡獲得您的信用等級分數。



    資產負債率 (Debt ratio)

    您的債務收入比是您每月支付的所有債務除以您的每月總收入。這個數字是貸方衡量您管理每月付款以償還您計劃借入的錢款能力的一種方式。

    了解如何計算您的債務收入比。



    轉讓房產以替代止贖契約 (Debt ratio)

    轉讓房產以替代止贖契約是一種安排，您自願將房屋的所有權移交給貸方，以避免止贖程序。轉讓房產以替代止贖契約可幫助您避免對抵押貸款剩餘的任何金額承擔個人責任。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責的州，您應當請求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，索取書面豁免證明，並將其保存在您的記錄中。轉讓房產以替代止贖契約是一種減損類型。



    拖欠債務 (Delinquent)

    拖欠債務是逾期未付款的另一個術語。當您錯過付款或未在到期日全額付款時，您的貸款可能會成爲拖欠債務。在您拖欠債務一段時間後，貸方或貸款機構可能會開始止贖程序。時間長短因州不同而異。

    聯邦規則也可能適用於止贖何時開始。如果您無法支付抵押貸款，了解有關您的選擇的更多資訊。



    要求立即清偿债务條款 (Demand feature)

    最終過戶條款文件的一项聲明為「您的貸款有要求立即清偿债务條款」，可對該條款勾选「是」或「否」。要求立即清偿债务条款允許貸方要求提前償還貸款。

    更多資料見 (英文)



    首付款 (Down payment)

    首付款是您前期支付的房屋金額。您將房屋價值的一定百分比作為首付款支付，並透過抵押貸款借入其餘部分。通常，您支付的首付款越多，您獲得的利率就越低，您的貸款獲得批准的可能性就越大。

    了解有關確定您的首付款的更多資訊。



    首付款計劃或贈款 (Down payment programs or grants)

    首付款贈款或計劃通常是指政府或非營利機構等組織向購房者提供的幫助，以幫助他們支付購房首付款。資金可以作為直接贈款提供，也可能需要償還，例如在出售房屋時償還。

    了解從哪裡可以獲得有關首付款計劃和贈款的資訊。



    定金 (Earnest money)

    定金是買方支付的押金，以表示對簽署的購房合約協議的真誠意願。該押金由賣方或第三方持有，例如房地產經紀人或產權擔保公司。如果房屋銷售最終確定或「過戶」，則可以將定金用作過戶費或首付款。如果合約是出於允許的原因終止，則將定金退還給買方。如果買方沒有真誠的表現，定金可能會被沒收，並付給賣方。

    了解有關購房程序的更多資訊。



    資產净值 (Equity)

    資產净值是您的房產目前價值金額減去您的房產任何現有抵押貸款金額。

    了解什麼是住房淨值貸款。



    代管 (Escrow)

    您的抵押貸款機構建立了代管帳戶，以支付某些與房產相關的費用，例如財產稅和房主保險。您每月付款的一部分進入該帳戶。 如果您的抵押貸款沒有代管帳戶，則直接支付與房產相關的費用。

    了解有關代管如何影響您的每月抵押貸款付款的更多資訊。



    房利美（Fannie Mae）

    聯邦國家抵押貸款協會（英文簡稱爲 FNMA）（房利美）購買並為貸款機構的抵押貸款擔保，以增加容易負擔的貸款。房利美不是聯邦機構。它是獲得聯邦住宅金融管理署（英文簡稱為 FHFA）保護的政府贊助企業。

    了解有關常規貸款的更多資訊。



    FHA 融資費 (FHA funding fee)

    聯邦住宅管理局（英文簡稱為 FHA）要求大多數獨戶計劃支付 FHA 融資費和每月保費（英文簡稱為 MIP）。這項前期抵押貸款保費有時稱為前期抵押貸款保費（英文簡稱為 UFMIP）。

    了解 FHA 抵押貸款是否適合您。



    FHA 貸款 (FHA loan)

    FHA 貸款是由聯邦住宅管理局（英文簡稱爲 FHA）監管和保險的私人貸方的貸款。FHA 貸款與常規貸款不同，因為它們允許較低的信用等級分數和低至貸款總額 3.5％ 的首付款。最高貸款金額因縣不同而異。

    了解有關該貸款和其他抵押貸款選擇。



    FHA 抵押貸款限額 (FHA mortgage limits)

    FHA 抵押貸款限額是聯邦住宅管理局（英文簡稱爲 FHA）對作為其獨戶住房抵押貸款計劃一部分擔保的合格抵押貸款的美元金額限額。這些限額因地點不同而異，每年可能會修改。

    使用 FHA 的工具查找您所在縣級貸款限額 。



    融資費用 (Finance charge)

    融資費用是您在抵押貸款的整個期限內支付的利息和貸款費用總額。

    更多資料見 (英文)



    首次購房者（英文簡稱爲 FTHB）貸款計劃 (First-time home buyers (FTHB) loan programs)

    首次購房者（英文簡稱爲 FTHB）可以使用多種不同類型的貸款計劃購買他們的第一套房屋。受歡迎的 FTHB 貸款包括聯邦住宅管理局（英文簡稱為 FHA）、美國退伍軍人事務部（英文簡稱為 VA）、美國農業部（英文簡稱爲 USDA）、房利美（Fannie Mae）和房地美（Freddie Mac）提供的低首付款計劃。一些計劃將 FTHB 定義為三年或更長時間未購房的人。

    理解您的貸款選擇。



    固定利率抵押貸款 (Fixed-rate mortgage)

    固定利率抵押貸款是一種利率在您貸款時設定的房屋貸款，在貸款期限內不會改變。

    了解有關固定利率抵押貸款如何運作以及需要考慮事項的更多資訊。



    債務償還期延展 (Forbearance)

    債務償還期延展是指您的貸款機構允許您暫時以較低的利率支付抵押貸款或暫時停止支付抵押貸款。例如，如果您最近失業、遭受災難或因疾病或受傷醫療保健費用增加，您的貸款機構可能會給予您債務償還期延展。債務償還期延展是一種減損類型。

    了解有關抵押貸款債務償還期延展的更多資訊。

    根據您擁有的貸款類型，可能會有不同的債務償還期延展選擇。您必須與您的貸款機構聯繫，請求債務償還期延展。請記住，當您的債務償還期延展結束時，您必須補足這些漏過或減少的付款。



    強制保險 (Force-placed insurance)

    當您沒有自己的保單或您自己的保單不符合貸款機構的要求時，您的貸款機構可能會要求強制保險。強制保險通常只保護貸方，而不保護您。貸款機構將向您收取保費。強制保險通常比自己尋找保單更昂貴。



    止贖 (Foreclosure)

    止贖是指房主未能支付抵押貸款後，貸方或貸款機構收回房產。在某些州，貸方必須上法庭才能取消您的房產贖回權（法院裁定的取消抵押品贖回權），但其他州不需要法院程序（非法院裁定的取消抵押品贖回權）。通常，如果貸方或貸款機構開始止贖程序，必須通知借款人。聯邦規則可能適用於止贖何時開始。
    如果您擔心止贖，請了解如何獲得幫助。



    房地美（Freddie Mac）

    聯邦住房貸款抵押公司（英文簡稱爲 FHLMC）（房地美）是一家由國會創立的私人公司。其使命是透過從銀行和其他貸款機構購買抵押貸款促進住房市場的穩定性和可負擔性。該公司目前在聯邦住宅金融管理署（英文簡稱爲 FHFA）的指導下處於監管之中。

    了解有關常規貸款的更多資訊。



    真誠費用估算 (Good Faith Estimate)

    真誠費用估算（英文簡稱爲 GFE）是貸方在您申請反向抵押貸款時必須提供給您的表格。GFE 列出了有關反向抵押貸款條款的基本資訊。

    了解您何時會收到真誠費用估算。



    政府記錄收費 (Government recording charges)

    政府記錄收費是州和地方政府機構為合法記錄您的契約、抵押貸款和與您的住房貸款相關的文件收取的費用。

    更多資料見 (英文)


    高價抵押貸款 (Higher-priced mortgage loan)

    通常，高價抵押貸款的年利率或 APR 高於稱為平均優惠利率的基準利率。

    更多資料見 (英文)


    業主協會（英文簡稱為 HOA）會費 (HOA dues)

    如果您想要購買共管公寓、住房合作社管理公寓或計劃分區或其他提供共享服務的有組織社區的房屋，您通常需要支付共管公寓費或業主協會（英文簡稱爲 HOA）會費。這些費用差別很大。共管公寓或 HOA 會費通常與您的每月抵押貸款分開支付。如果您不支付這些費用，您可能會面臨業主協會的債務追收，甚至被取消抵押品贖回權。

    了解有關購房程序的更多資訊。


    房屋價值評估 (HOA dues)

    房屋價值評估是一份書面文件，顯示對房產價值的看法。價值評估為您提供有關房產的有用資訊。價值評估描述了房產的價值所在，並可能顯示該房產與鄰里其他房產的比較狀況。價值評估是對房產價值的獨立評估。

    了解有關爲什麽價值評估很重要的更多資訊。



    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）(Home equity line of credit - HELOC)

    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）是一種允許您以住房淨值為抵押借款的信用額度。住房淨值是您的房產當前價值金額減去您的房產的任何抵押貸款金額。與住房淨值貸款不同，HELOC 通常具有可調利率。對於大多數 HELOC，您會收到特別支票或信用卡，您可以在開設帳戶後的指定時間內借款。這段時間稱為「借款期」。在「借款期」内，您可以借款，但必須支付最低還款額。當「借款期」結束時，您將無法再從您的信用額度中借款。「借款期」結束後，您可能需要一次性還清所有餘額，或者可能允許您在一段時間內還款。如果您無法償還 HELOC，貸方可能會取消您的房屋抵押贖回權。



    住房淨值貸款 (Home equity line of credit - HELOC)

    住房淨值貸款（有時稱為 HEL）允許您使用住房淨值作為抵押品來借款。住房淨值是您的房產當前價值金額減去您的房產的任何現有抵押貸款金額。您從住房淨值貸款中一次性收到資金。住房淨值貸款通常有固定利率 — 不會改變的利率。如果您無法償還 HEL，貸方可能會取消您的房屋抵押贖回權。



    房屋檢查 (Home inspection)

    房屋檢查通常是購房程序的一部分。您通常有權聘請房屋檢查員檢查房產並指出其優點和缺點。這通常特別有助於檢測房屋的結構和機械系統，包括供暖、通風、空調和電氣系統。

    了解如何安排房屋檢查。


    購房價格 (Home purchase price)

    購房價格是買賣雙方同意支付給賣方的購買房屋的金額。

    了解有關如何找到合適的住房的更多資訊。


    房主保險 (Homeowner's insurance)

    如果發生火災或入室盜竊等意外情況，房主保險會賠償您的財產損失和損壞。當您有抵押貸款時，您的貸方希望確保您的財產受到保險的保護。這是為什麼貸方通常需要證明您擁有房主保險的原因。房主保險不同於抵押貸款保險。

    了解有關購房程序的更多資訊。



    業主協會（英文簡稱為 HOA）(Homeowners’ Association - HOA)

    業主協會（英文簡稱為 HOA）的成立通常是為了管理分攤費用，例如計劃分區或其他有組織社區的景觀美化和其他維護費用。共管公寓 HOA 承擔更多責任，例如維護車道、共用結構和屋頂。

    獲取有關 HOA 可能如何在您的抵押貸款對帳單中顯示的更多資訊。



    HUD

    住宅與城市發展部（英文簡稱爲 HUD）是一家政府機構，旨在幫助人們獲得和維護優質和可負擔的住房。他們培訓和贊助全美各地的住房顧問。HUD 批准的住房諮詢機構可向您提供購房者諮詢，幫助您了解和評估您的選擇。

    查找 HUD 批准的住房諮詢機構。



    HUD-1 過戶明細表 (HUD-1 settlement statement)

    住房與城市發展部第 1 號（英文簡稱為 HUD-1）過戶明細表列出了房地產過戶中買方和賣方的所有費用和信貸，或抵押貸款再融資中的所有費用。如果您申請反向抵押貸款或您在 2015 年 10 月 3 日或之前申請抵押貸款，您將收到 HUD-1。

    了解您何時會收到 HUD-1。



    指數 (Index)

    指數是反映一般市場狀況的基準利率。指數根據市場變化。指數變化以及您的貸款利率浮動百分比決定可調利率抵押貸款的利率變化。

    了解指數如何影響可調利率抵押貸款的利率。



    初始調整上限 (Initial adjustment cap)

    初始調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）相關聯。這個上限決定利率在固定利率期滿後第一次調整時可以增加多少。這個上限通常是百分之二或百分之五 — 這意味著在第一次利率變化時，新利率不能比固定利率期間的初始利率高出兩個（或五個）百分點以上。

    了解指數如何影響可調利率抵押貸款。



    初始代管存款 (Initial escrow deposit)

    如果您的貸方要求，初始代管存款是您在過戶時為啟動您的代管帳戶而支付的金額。

    更多資料見 (英文)


    利率 (Interest rate)

    抵押貸款的利率是您每年為借款而支付的費用，以百分比表示。它不反映您可能需要為貸款支付的費用或任何其他費用。例如，如果抵押貸款為 100,000 美元，利率為 4%，則該消費者同意在其借款的每年或欠付全部金額時支付 4,000 美元。

    查看您所在地區的利率。


    利率上限 (Interest rate cap)

    利率上限（有時也稱為年度上限）是可調利率抵押貸款（英文簡稱爲 ARM）每年可能發生的最高利率增長，即使利率在市場利率下會增長更多。例如，如果此上限為百分之二，則新利率不能比以前的利率高出兩個百分點以上。

    了解貸方如何使用指數和利率浮動百分比調整您的利率。



    只付息貸款 (Interest-only loan)

    只付息抵押貸款是一種定期還款的貸款，要求您在指定的時間內只支付利息。

    更多資料見 (英文)





    超過（房利美/房地美）上限的大額貸款 (Jumbo loan)

    每年房利美（Fannie Mae）、房地美（Freddie Mac）及其監管機構聯邦住宅金融管理署（英文簡稱為 FHFA）都會設定他們將從貸方購買的貸款的最高金額。

    更多資料見 (英文)



    貸方產權保險 (Lenders title insurance)

    貸方產權保險保護您的貸方免受您的房產產權問題的影響，例如有人對房屋提出法律索賠。貸方產權保險僅保護貸方免受產權問題的影響。為了保護自己，您可能需要購買業主產權保險。

    更多資料見 (英文)



    終身調整上限 (Lifetime adjustment cap)

    終身調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）一起使用。這個上限決定了在貸款期限內利率總共可以增加多少。例如，如果此上限為 5%，則意味著利率永遠不會比初始利率高出 5 個百分點。一些貸方可能有不同或更高的上限。

    了解指數如何影響可調利率抵押貸款。



    承擔 (Loan assumption)

    貸款承擔發生在買方購買賣方房屋時，買方接手賣方的抵押貸款。買方承擔賣方尚未償還的抵押貸款餘額，並按照最初的貸款條款付款，例如利率和剩餘的抵押貸款期限。當新的抵押貸款提供的利率高於賣方最初取得抵押貸款時的利率時，貸款承擔可能在財務上具有意義。

    房屋售價與承擔貸款餘額之間的差額等於買方需要支付的金額，可以用現金支付或者透過自己取得抵押貸款來支付。

    要接手抵押貸款，購屋者需要符合貸款承擔的資格要求。符合資格通常是根據對買方的信用和收入的審查，類似於對新抵押貸款的資格要求。

    貸款承擔也可以適用於獲得有抵押貸款的房產的所有權的情況，例如在去世或離婚後。



    延期還款 (Loan deferment)

    面臨難以償還抵押貸款困境的借款人通常有權向抵押貸款服務公司尋求幫助。抵押貸款服務公司可以同意延期還款，使借款人能夠藉由延遲償還逾期抵押貸款來避免止贖。當借款人重新貸款或出售房屋，或抵押貸款以其他方式終止時，延期還款金額即到期。


    貸款估算 (Loan estimate)

    貸款估算是您在申請抵押貸款後收到的一份三頁表格。

    更多資料見 (英文)


    貸款修改 (Loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損方法。修改可以將您的每月付款減少到您可以負擔的金額。修改可能涉及延長您必須償還貸款的年限、降低您的利率和/或債務償還期延展或減少您的本金餘額。如果向您提供貸款修改，請確保您知道它將如何改變您的每月付款以及您在短期和長期內的欠款總額。

    了解有關抵押貸款修改的更多資訊。



    貸款價值比 (Loan-to-value ratio)

    貸款價值比（英文簡稱爲 LTV）是一種將您的抵押貸款金額與房產評估價值進行比較的衡量標準。首付款越高，LTV 就越低。抵押貸款機構可以根據 LTV 來決定是否貸款給您，並確定他們是否要求私人抵押貸款保險。

    了解您的貸款價值比如何與您的費用相關。



    減損 (Loss mitigation)

    減損是指抵押貸款機構與抵押貸款借款人合作為避免止贖而採取的措施。減損是指貸款機構有責任減少或「減輕」投資者可能因止贖而遭受的損失。某些減損選擇可能幫助您繼續住在自己的住宅中。另一些選擇可能幫助您在不止贖的情況下離開自己的住房。減損選擇可能包括轉讓房產以替代止贖契約、債務償還期延展、還款計劃、短售或貸款修改。

    如果您在支付抵押貸款時遇到困難，或者您已經獲得提議並正在考慮各種減損選擇，請與住宅與城市發展部（英文簡稱爲 HUD）批准的住房諮詢機構聯繫。

    您可以使用消費者金融保護局（英文簡稱爲 CFPB）的 「查找顧問」 （Find a Counselor）工具，獲取您所在地區經 HUD 批准的住房諮詢機構名單。您也可以撥打每週七天、每天二十四小時開放的 HOPE™ 熱線電話 (888) 995-HOPE (4673)。



    利率浮動百分比 (Margin)

    利率浮動百分比是抵押貸款機構在初始利率期結束後為您的可調利率抵押貸款（英文簡稱爲 ARM）設定利率而添加到指數中的百分點數。利率浮動百分比在您的貸款協議中設定，在過戶後不會改變。利率浮動百分比金額取決於特定的貸方和貸款。

    了解利率浮動百分比如何影響可調利率抵押貸款。



    每月開支 (Monthly expenses)

    這是您每個月花費的錢款。它可能包括但不限於經常性债务，例如租金或抵押貸款付款、公用事业費、汽車付款、子女撫養費和保險費，以及食物等必需品开支。這些债务中的大多數都有固定的到期日。

    使用本支出跟踪工具評估您的每月支出。



    抵押貸款 (Mortgage)

    抵押貸款是您與貸方之間的協議，允許您借錢購房或為房屋再融資，並賦予貸方在您未能償還所借款項時收回您的房产的權利。

    如果您準備好申请抵押貸款，請了解有關購房的更多資訊。



    抵押貸款过户核查单 (Mortgage closing checklist)

    抵押貸款过户核查单是您可以用來準備和了解預期情況的步驟列表。該核查單可幫助您確定要提前提出的重要問題，以便您可以自信地過戶。

    利用本工作單準備過戶。



    抵押貸款過戶費 (Mortgage closing costs)

    抵押貸款過戶費是您在過戶時支付的所有費用。這包括貸款初辦手續費、價值評估費、信用報告費、產權保險費以及您的貸方要求的或作為房地產抵押貸款交易一部分支付的任何其他費用。貸方需要在貸款估算中向您提供這些費用摘要。

    了解有關過戶時發生的情況的更多資訊。



    抵押貸款保險 (Mortgage insurance)

    如果您拖欠付款，抵押貸款保險可以保護貸方。如果您的首付款低於房產價值的 20%，通常要求購買抵押貸款保險。聯邦住宅管理局（英文簡稱為 FHA）和美國農業部（英文簡稱爲 USDA）貸款通常也要求購買抵押貸款保險。但是，如果您有常規貸款並且您的首付款低於 20%，您很可能有私人抵押貸款保險（英文簡稱爲 PMI）。

    了解抵押貸款保險如何運作



    抵押貸款修改 (Mortgage loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損類型。

    更多資料見 (英文)



    抵押貸款再融資 (Mortgage refinance)

    抵押貸款再融資是指您申請新貸款以還清並取代舊貸款。再融資的常見原因是降低月利率、降低抵押貸款還款額或借入額外資金。當您再融資時，您通常需要支付過戶費和收費。如果您再融資並獲得較低的每月付款，請確保您了解減少的金額有多少來自較低的利率，有多少是因為您的貸款期限延長。

    我應當再融資嗎？

    抵押貸款再融資消費者指南

    您的房屋貸款工具包

    可調利率抵押貸款消費者手冊



    抵押貸款期限 (Mortgage term)

    您的抵押貸款期限是您必須償還貸款的期限。對於大多數類型的房屋，抵押貸款期限通常為 15 年、20 年或 30 年。

    查看貸款期限選擇。



    貸款初辦費 (Origination Fee)

    貸款初辦費是貸方向借款人收取的發放抵押貸款的費用。貸款初辦費可能包括處理申請、承銷和資助貸款以及其他行政服務費。貸款初辦費通常只能在某些情況下增加。

    了解有關抵押貸款初辦費的更多資訊。



    業主產權保險 (Owner's title insurance)

    如果有人在房主購房之前起訴並聲稱他們對房屋提出索賠，則業主產權保險可為房主提供保護。

    更多資料見 (英文)



    PACE 融資 (Pace financing)

    PACE 融資提供一種為節能住宅改善提供資金的方式。

    更多資料見 (英文)


    部分索賠 (Partial claim)

    部分索賠是一種利用抵押貸款保險來幫助陷入困境的屋主避免止贖的方法。抵押貸款服務公司向抵押貸款保險公司提出索賠，索賠金額等於未支付的抵押貸款金額，保險公司會將這筆錢存入一個獨立的帳戶中。接著，當借款人為抵押貸款重新貸款、出售房屋或以其他方式終止抵押貸款時，部分索賠的金額將支付給抵押貸款服務公司。有時，部分索賠金額可能不足以涵蓋未付款的全部金額，此時借款人必須支付差額。



    付清金額 (Payoff amount)

    您的付清金額是您實際需要支付多少金額才能滿足您的抵押貸款條款並完全還清您的債務。您的付清金額與當前餘額不同。您的當前餘額可能無法反映您實際需要支付多少金額才能完全償還貸款。您的付清金額還包括在您打算還清貸款之日之前欠付的任何利息付款。付清金額還可能包括您已產生但尚未支付的其他費用。



    PCS 命令 (PCS orders)

    現役軍人可能會收到永久性遷基地（英文簡稱為 PCS）命令。PCS 命令是將軍人（以及與他們同住的任何家庭成員）正式搬遷到不同的工作地點。如果軍人擁有房屋，他們可能會選擇出售。如果軍人欠付的房屋費用超過房屋的價值，他們可能很難賣掉房屋。一些貸款機構提供的計劃允許軍人出售他們的房屋，而不必償還剩餘的貸款餘額。請查閲軍人資源，了解更多資訊。



    PITI

    本金、利息、稅金和保險（亦稱爲 PITI）是每月抵押貸款還款的四個基本要素。

    更多資料見 (英文)



    PMI

    私人抵押貸款保險（英文簡稱爲 PMI）是一種使您的貸方受益的抵押貸款。如果您的首付款低於物業價值的 20% 並且您有常規貸款，您可能需要支付 PMI。一旦您在住宅中積累了一定金額的資產淨值，您就可以取消 PMI。

    了解何時需要 PMI 的更多資訊。



    預付利息收費 (Prepaid interest charges)

    預付利息收費是在您的抵押貸款過戶之日到您的第一個月抵押貸款付款涵蓋階段之間您的貸款產生的任何每日利息在過戶時應付的費用。

    更多資料見 (英文)



    提前償付貸款罰金 (Prepayment penalty)

    提前償付貸款罰金是一些貸方在您提前償還全部或部分抵押貸款時收取的費用。如果您有提前償付貸款罰金，您在房屋過戶時應當已經同意支付該罰金。並非所有抵押貸款都有提前償付貸款罰金。



    本金 (Principal)

    本金是您必須償還的抵押貸款金額。您的每月付款包括該本金的一部分。當償還本金時，借款人欠款金額會減少，並且根據較低的貸款金額將支付 較少的利息。

    了解利率與本金之間的區別。



    財產稅 (Property taxes)

    財產稅是地方司法管轄部門（通常在縣級）根據徵稅財產的價值徵收的稅款。通常，財產稅是在房主的每月抵押貸款付款中徵收的，然後每年一次或多次支付給相關司法管轄部門。這稱為代管帳戶。如果貸款沒有代管帳戶，房主將直接支付財產稅。

    了解有關購房程序的更多資訊。



    合格抵押貸款 (Qualified mortgage)

    合格抵押貸款是一種類型的貸款，具有某些更穩定的特徵，有助於使您更有可能負擔得起貸款。

    更多資料見 (英文)



    合格書面請求（英文簡稱爲 QWR）(Qualified Written Request - QWR)

    合格書面請求（英文簡稱爲 QWR）是您或代表您的人可以發送給您的抵押貸款機構的書面信件。您還可以向您的貸款機構發送「錯誤通知」或「資訊請求」，用於取代 QWR。

    更多資料見 (英文)


    償還計劃 (Repayment plan)

    償還計劃是一種結構化的方式，用於彌補您在一段時間內未付的抵押貸款付款。這是一種減損方法。如果您在支付抵押貸款時遇到困難，您的貸方或貸款機構可能會允許您簽訂償還計劃。在制定償還計劃之前，請確保您了解該計劃的要求以及您是否能夠支付新款項。



    反向抵押貸款 (Reverse mortgage)

    反向抵押貸款允許 62 歲或以上的房主從其房屋淨值中借款。這稱為「反向」抵押貸款，因為您不是向貸方付款，而是從貸方那裡收到錢款。您收到的錢款和貸款收取的利息每月都會增加您的貸款餘額。目前大多數反向抵押貸款都稱為 HECM，這是住房淨值可變現抵押貸款的縮寫。

    了解申請反向抵押貸款前應考慮的事項。



    撤銷權 (Right of rescission)

    撤銷權是指消費者有權取消某些類型的貸款。如果您透過抵押貸款購買房屋，您無權在過戶文件簽署後取消貸款。但是，如果您為抵押貸款再融資，您可以在交易後第三個工作日午夜之前撤銷（取消）抵押貸款合約。該三天時間從您簽署信貸合約（通常稱為本票），您收到誠信借貸披露表，並且收到兩份解釋您撤銷權利的通知副本後才開始計時。



    第二抵押貸款 (Second mortgage)

    第二抵押貸款或初級留置權是您使用您的房屋作為抵押品而獲得的貸款，而您仍有另一筆貸款以您的房屋為抵押。

    了解有關第二抵押貸款的更多資訊。



    擔保物權 (Security interest)

    如果您不償還所借的錢款，擔保物權可允許貸方取消抵押品贖回權。

    更多資料見 (英文)


    賣方融資 (Seller financing)

    賣方融資是您的房屋的賣方向您提供的貸款。

    更多資料見 (英文)



    貸款機構 (Servicer)

    您的抵押貸款機構是向您發送抵押貸款報表的公司。您的貸款機構還負責管理您的貸款的日常任務。

    您的貸款機構通常會處理您的貸款付款、回复借款人的詢問、跟踪支付的本金和利息，並管理您的代管帳戶（如有）。在某些情況下，貸款機構可能會發起止贖。您的貸款機構可能是也可能不是最初向您提供貸款的公司。



    增值共享抵押貸款 (Shared appreciation mortgage)

    根據增值共享抵押貸款，您同意與您的貸方分享您的房屋價值的任何增值部分。

    更多資料見 (英文)



    短售 (Short sale)

    短售是指以低於您所欠抵押貸款的價格出售您的房屋。短售是止贖的另一種替代方法，但由於是出售，您將必須離開您的住宅。如果您的貸方或貸款機構同意短售，您可以出售房屋以還清抵押貸款，即使售價或收益低於抵押貸款餘額。短售是一種減損類型。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責任的州，您應當要求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，請獲得書面豁免證書，並將其保存在您的記錄中。



    次級抵押貸款 (Subprime mortgage)

    當貸方使用該術語時，它們通常是指為不符合優質貸款條件的借款人提供的貸款計劃，通常利率較高。

    了解有關購房程序的更多資訊。



    勘測圖 (Survey)

    勘測圖是您的房產的圖紙，顯示地塊、房屋和任何其他結構的位置，以及對房產的任何改進。

    更多資料見 (英文)



    產權轉移手續費 (Title service fees)

    產權轉移手續費是您在獲得抵押貸款時支付的過戶費的一部分。當您購買房屋時，您會收到一份通常稱為契約的文件，該文件表明賣方將其對房屋的合法所有權或「產權」轉讓給您。產權轉移手續費是與為貸方簽發產權保單相關的費用。

    更多資料見 (英文)



    總利息百分比（英文簡稱為 TIP）(Total interest percentage - TIP)

    總利息百分比（英文簡稱為 TIP）是一種資訊披露，告訴您在抵押貸款的整個期限內您將支付多少利息。

    更多資料見 (英文)



    付款總額 (Total of payments)

    這個數字告訴您在抵押貸款期限內您將支付的總金額。

    更多資料見 (英文)



    TRID

    TRID 是一些人用來指代《誠信借貸法》與《不動產過戶程序法案》（英文簡稱為 TILA-RESPA）綜合資訊披露（TILA RESPA Integrated Disclosure）規定的首字母縮略語。

    更多資料見 (英文)



    USDA 貸款 (USDA Loan)

    農村住房服務署是美國農業部（英文簡稱為 USDA）的一部分，它向達到 USDA 收入資格要求的農村購房者提供無首付款和普遍優惠利率的抵押貸款計劃。

    了解有關此項計劃和其他特殊貸款計劃的更多資訊。



    VA 貸款 (VA loan)

    VA 貸款是退伍軍人事務部（英文簡稱爲 VA）提供的一項貸款計劃，旨在幫助現役軍人、退伍軍人和合格的未亡配偶購房。 退伍軍人事務部不提供貸款，但會制定有關哪些人符合資格和抵押貸款條款的規則。退伍軍人事務部為部分貸款提供擔保，以降低貸款人遭受損失的風險。貸款通常僅適用於主要居所。

    如果您是退伍軍人，請了解VA 貸款是否適合您。

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    5/1 可調
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    EEO policy and reports

    The CFPB’s employees are its most important resource. Employees come from diverse backgrounds and work together to carry out the mission of protecting consumers.

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    No FEAR Act

    The No FEAR Act is intended to increase the accountability of federal agencies for acts of discrimination or retaliation against employees, former employees, and applicants. It requires the CFPB to post a notice of rights and certain equal employment opportunity data.

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    Affirmative opportunity

    We oversee an affirmative program for equal opportunity to ensure everyone can participate equally in the Bureau's programs and services in compliance with the law and in line with best practices.

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    Whistleblowers

    Federal employees and applicants are protected against retaliation for making whistleblower disclosures.

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    Raise an EEO Issue

    If you are a CFPB employee, former CFPB employee, or applicant for employment at CFPB and believe you have been illegally discriminated against, you can contact the Office of Civil Rights for help.

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    Reasonable accom

    We encourage persons with disabilities to work at the CFPB and we provide reasonable accommodation to applicants and employees with disabilities consistent with the Rehabilitation Act and the Americans with Disabilities Act.

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    Equal employment opportunity complaints

    diff --git a/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html b/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html index 392a0aeda00b..161053e51bb1 100644 --- a/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html +++ b/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html @@ -454,7 +454,7 @@
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    Privacy Act statement for email campaign subscribers

    diff --git a/www.consumerfinance.gov/privacy/email-privacy-act-statement/index.html b/www.consumerfinance.gov/privacy/email-privacy-act-statement/index.html new file mode 100644 index 000000000000..ed365fcd903c --- /dev/null +++ b/www.consumerfinance.gov/privacy/email-privacy-act-statement/index.html @@ -0,0 +1,1341 @@ + + + + + + + Privacy Act statement for email subscribers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + An official website of the + United States government +
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    + + + Submit a Complaint + +
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    Privacy Act statement for email subscribers

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    5 U.S.C. 552a(e)(3)

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    The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.

    The CFPB may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.

    Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) CFPB.011 CFPB Correspondence Tracking Database. Although the CFPB does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.

    This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.

    You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.

    Managing subscriptions or unsubscribing

    Click here to view and manage your email subscriptions or to unsubscribe.

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    Website privacy policy and legal notices

    -

    What information does CFPB collect about you?

    Traffic statistics

    We use technologies called 'analytic cookies' within our website to capture basic analysis of website use and traffic (such as the number of people visiting a certain page). We do not use cookies to collect personally identifiable information (PII). Only the following cookies are used on the CFPB website:

    • Single Session Cookies (Tier 1) are stored temporarily on your computer and are deleted immediately after the session ends. We use single session cookies such as web measurement and customization technologies for the purpose of improving your experience on our website through analysis of usage or through customization of the user's experience.
    • Persistent Cookies (Tier 2) remember users through multiple session. We use a "persistent cookie" technology called Google Analytics to remember you and track your visit across our website. We use Google Analytics to collect non-identifying information such as:
      • The type of browser and the version of the browser you are using to visit our website;
      • The date and time of your visit to our website;
      • The pages and documents you viewed on our website;
      • The referring website that linked you directly to our website (if you arrived here by clicking a link on another website); and,
      • Your geographic location information, specifically the city location, when you visit our website. It does not collect home address information.

    We may keep this information for a period of five years and as required to manage and maintain our website in accordance with an approved general records retention schedule provided by the National Archives and Records Administration (NARA). CFPB does not use Google Analytics to track, collect or upload any PII to identify a user of our website. Most Internet browsers automatically accept persistent cookies. Although persistent cookies help us create a better experience for you, most of our website is accessible without their use. You can change your browser's options to not accept them or to prompt you before accepting them when you visit our website. Here's how to disable cookies.

    Personal information

    Our website does not collect or store any PII from you. Our website provides information about how to interact with CFPB, such as how to submit a consumer complaint, contact CFPB about a particular question, or to sign up for email alerts about news topics related to CFPB. Our website helps you navigate to the CFPB systems and applications that may collect PII you voluntarily provide to administer the service or program you select. Prior to collecting your information, CFPB will provide you with a privacy notice that clearly describes the purpose of collection and what CFPB will do with the information collected from you by that system or application. While our website helps you navigate to these systems and applications, our website does not collect or store any of this information directly.

    We also offer opportunities for you to subscribe to particular CFPB topics to follow news and alerts about that topic. CFPB uses subscription delivery services, such as GovDelivery. GovDelivery is a web-based e-mail subscription management system that allows you to subscribe to news and information about CFPB. You may select specific topics that interest you and choose to provide an email address about that topic. You may customize and manage your subscription profile in order to receive exactly the types of information you desire, and you may cancel your subscriptions at any time. CFPB only uses your email to send email messages related to the topics selected by the user in the GovDelivery system. If, at any time, you wish to stop receiving our messages, simply click on the "Unsubscribe" link at the bottom of each email message.

    In addition, on our website you will find contact information for many of our programs that allows you to send us emails. Email correspondence of any form may not necessarily be secure. CFPB strongly recommends that you do not send PII (such as your Social Security number) to us via email. If you are required to send any PII to CFPB for any reason, the CFPB program collecting this information from you will provide a secure means of collecting your information to protect your privacy.

    You can view our Privacy Impact Assessments (PIAs) and System of Records Notices (SORNs) to learn more about how various CFPB programs may collect and use PII.

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    We embed and use third-party services that you can interact with while navigating our website. Third-party services are web-based technologies that are not operated or controlled by CFPB, such as website links to external websites, social media platforms, or third-party service providers. We primarily use these third-party services to promote communications about CFPB and interact with the public, such as Flickr and GovDelivery. We use these application to collect a limited amount of PII through these third-party services, such as your email address, to subscribe you to CFPB newsletters. Where practicable, we will provide clear notice before you are directed to a third-party service from our website.

    CFPB uses social media platforms such as Facebook, X, LinkedIn, and YouTube to conduct external relations (such as important announcements, communications, to conduct outreach, and to engage in public dialogue), to announce information and services to the general public, and promote transparency and accountability of CFPB operations. We provide links to our social media on our website for you. The information posted on our social media is available to any and all users who are able to access and follow our social media accounts. If you choose to comment, post, or respond to any social media release, please do not include any PII in your comments or responses, such as your full name, date of birth, social security number, address, phone numbers, email addresses, or any other sensitive PII. We may collect a limited amount of PII through our social media platforms to respond to questions or complaints that we receive. For example, if an individual posts a consumer complaint on CFPB's social media platforms, we generally respond by asking the individual to submit their complaint or question to us through our consumer response process or by calling the appropriate consumer response phone number.

    Only authorized CFPB employees or contractors that manage our third-party services or social media platforms have access to the limited amount of PII we collect. We retain PII in accordance with an approved general records retention schedule provided by NARA. Social media platforms we use maintain their own separate privacy policies. You should refer to these policies as they may differ from those described in this policy. More information about the Bureau’s use of social media can be found in our Social Media PIA .

    Our website also provides external links to websites that are created and maintained by other public and/or private organizations (identified by ). We provide these links as a service to those visiting our website in an attempt to provide you with additional information that may be beneficial in your search. When you link to an outside website, you are leaving the CFPB website and are subject to the privacy and security policies of the owners/sponsors of the outside website(s). The CFPB does not control or guarantee the accuracy, relevance, timeliness, or completeness of any information or privacy policies posted on the sites to which we link. Further, links to particular items in hypertext do not reflect their importance and should not be considered an endorsement of the organizations sponsoring the sites, the views expressed on the sites, or the products or services offered on the sites.

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    Storing and protecting your information

    We take precautions to maintain the security, confidentiality, and integrity of the PII collected at CFPB. Such measures include access controls designed to limit access to the information to the extent necessary to accomplish our mission. We also routinely test our security measures to ensure that website features remain operational and effective.

    • For website security purposes and to ensure that this service remains available to all users, CFPB and its associated service providers use security software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
    • Except for authorized law enforcement investigations, no other attempts are made to identify individuals that visit our website for legitimate purposes.
    • We continually monitor the security posture of our systems to protect consumer data, and we undergo audits to verify those protections are effective.
    • Unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act.

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    What information is shared?

    Information we collect about user interactions with our website is used to improve our website performance. We may share this aggregated information with other federal agencies and authorized CFPB contractors to help improve visitor experiences and design more efficient methods of navigating our website. The information we collect or share does not include any form of PII.

    If you provide your PII to CFPB (e.g., submit a consumer complaint or subscribe to a newsletter), CFPB may only share your information with third parties as legally authorized. We identify how the CPFB may share any data we collect within our published SORNs.

    Within the CFPB

    We may use your information to contact you if you identify yourself in an e-mail, comment, or other communication and provide us with your contact information. Bureau employees and contractors may use your information to complete your request, such as signing up for e-mail updates, and maintaining distribution lists. Our contractors may view and use your information when operating consumerfinance.gov, or systems that collect data through the website, on our behalf.

    With other government agencies

    We work with other government agencies to investigate complaints, coordinate law enforcement investigations, cooperate with oversight investigations, or further consumer protection activities. In some cases, we are required or authorized by law to share personal information with other agencies. When we do so, we ensure appropriate protections are in place.

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    Monitoring and protecting our website

    CFPB monitors the use of consumerfinance.gov to keep the website secure and available to all users. We employ software that monitors network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage to the website, users, or public visitors. Part of this process involves collecting non-identifying information about you as described above. By using consumerfinance.gov you expressly consent to such monitoring. If our monitoring reveals evidence of possible abuse or criminal activity, we may provide such evidence to appropriate law enforcement officials. Unauthorized attempts to upload information and/or change information on this website are strictly prohibited and may be punishable by law, including the Computer Fraud and Abuse Act of 1986 and 18 U.S.C §§ 1001, 1030 .

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    Copyright and trademark

    Website content: Information created by the CFPB is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau’s permission. Please consider appropriate citation to the Bureau as the source. Copyrighted materials created by entities outside of the Bureau also may appear on this website, or may be reached through a link on this website. Copyright and other intellectual property laws may apply to your use of those materials.

    Bureau trademarks: The Bureau’s logo, as well as the names Consumer Financial Protection Bureau and CFPB are registered trademarks. Your use of them, and any other registered trademarks, must comply with intellectual property laws.

    Liability

    The government assumes no legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website. Finally, CFPB does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights.

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    Revised December 2023

    +

    What information does CFPB collect about you?

    Traffic statistics

    We use technologies called 'analytic cookies' within our website to capture basic analysis of website use and traffic (such as the number of people visiting a certain page). We do not use cookies to collect personally identifiable information (PII). Only the following cookies are used on the CFPB website:

    • Single Session Cookies (Tier 1) are stored temporarily on your computer and are deleted immediately after the session ends. We use single session cookies such as web measurement and customization technologies for the purpose of improving your experience on our website through analysis of usage or through customization of the user's experience.
    • Persistent Cookies (Tier 2) remember users through multiple session. We use a "persistent cookie" technology called Google Analytics to remember you and track your visit across our website. We use Google Analytics to collect non-identifying information such as:
      • The type of browser and the version of the browser you are using to visit our website;
      • The date and time of your visit to our website;
      • The pages and documents you viewed on our website;
      • The referring website that linked you directly to our website (if you arrived here by clicking a link on another website); and,
      • Your geographic location information, specifically the city location, when you visit our website. It does not collect home address information.

    We may keep this information for a period of five years and as required to manage and maintain our website in accordance with an approved general records retention schedule provided by the National Archives and Records Administration (NARA). CFPB does not use Google Analytics to track, collect or upload any PII to identify a user of our website. Most Internet browsers automatically accept persistent cookies. Although persistent cookies help us create a better experience for you, most of our website is accessible without their use. You can change your browser's options to not accept them or to prompt you before accepting them when you visit our website. Here's how to disable cookies.

    Personal information

    Our website does not collect or store any PII from you. Our website provides information about how to interact with CFPB, such as how to submit a consumer complaint, contact CFPB about a particular question, or to sign up for email alerts about news topics related to CFPB. Our website helps you navigate to the CFPB systems and applications that may collect PII you voluntarily provide to administer the service or program you select. Prior to collecting your information, CFPB will provide you with a privacy notice that clearly describes the purpose of collection and what CFPB will do with the information collected from you by that system or application. While our website helps you navigate to these systems and applications, our website does not collect or store any of this information directly.

    We also offer opportunities for you to subscribe to particular CFPB topics to follow news and alerts about that topic. CFPB uses subscription delivery services, such as GovDelivery. GovDelivery is a web-based e-mail subscription management system that allows you to subscribe to news and information about CFPB. You may select specific topics that interest you and choose to provide an email address about that topic. You may customize and manage your subscription profile in order to receive exactly the types of information you desire, and you may cancel your subscriptions at any time. CFPB only uses your email to send email messages related to the topics selected by the user in the GovDelivery system. If, at any time, you wish to stop receiving our messages, simply click on the "Unsubscribe" link at the bottom of each email message.

    In addition, on our website you will find contact information for many of our programs that allows you to send us emails. Email correspondence of any form may not necessarily be secure. CFPB strongly recommends that you do not send PII (such as your Social Security number) to us via email. If you are required to send any PII to CFPB for any reason, the CFPB program collecting this information from you will provide a secure means of collecting your information to protect your privacy.

    You can view our Privacy Impact Assessments (PIAs) and System of Records Notices (SORNs) to learn more about how various CFPB programs may collect and use PII.

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    We embed and use third-party services that you can interact with while navigating our website. Third-party services are web-based technologies that are not operated or controlled by CFPB, such as website links to external websites, social media platforms, or third-party service providers. We primarily use these third-party services to promote communications about CFPB and interact with the public, such as Flickr and GovDelivery. We use these application to collect a limited amount of PII through these third-party services, such as your email address, to subscribe you to CFPB newsletters. Where practicable, we will provide clear notice before you are directed to a third-party service from our website.

    CFPB uses social media platforms such as Facebook, X, LinkedIn, and YouTube to conduct external relations (such as important announcements, communications, to conduct outreach, and to engage in public dialogue), to announce information and services to the general public, and promote transparency and accountability of CFPB operations. We provide links to our social media on our website for you. The information posted on our social media is available to any and all users who are able to access and follow our social media accounts. If you choose to comment, post, or respond to any social media release, please do not include any PII in your comments or responses, such as your full name, date of birth, social security number, address, phone numbers, email addresses, or any other sensitive PII. We may collect a limited amount of PII through our social media platforms to respond to questions or complaints that we receive. For example, if an individual posts a consumer complaint on CFPB's social media platforms, we generally respond by asking the individual to submit their complaint or question to us through our consumer response process or by calling the appropriate consumer response phone number.

    Only authorized CFPB employees or contractors that manage our third-party services or social media platforms have access to the limited amount of PII we collect. We retain PII in accordance with an approved general records retention schedule provided by NARA. Social media platforms we use maintain their own separate privacy policies. You should refer to these policies as they may differ from those described in this policy. More information about the Bureau’s use of social media can be found in our Social Media PIA .

    Our website also provides external links to websites that are created and maintained by other public and/or private organizations (identified by ). We provide these links as a service to those visiting our website in an attempt to provide you with additional information that may be beneficial in your search. When you link to an outside website, you are leaving the CFPB website and are subject to the privacy and security policies of the owners/sponsors of the outside website(s). The CFPB does not control or guarantee the accuracy, relevance, timeliness, or completeness of any information or privacy policies posted on the sites to which we link. Further, links to particular items in hypertext do not reflect their importance and should not be considered an endorsement of the organizations sponsoring the sites, the views expressed on the sites, or the products or services offered on the sites.

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    Storing and protecting your information

    We take precautions to maintain the security, confidentiality, and integrity of the PII collected at CFPB. Such measures include access controls designed to limit access to the information to the extent necessary to accomplish our mission. We also routinely test our security measures to ensure that website features remain operational and effective.

    • For website security purposes and to ensure that this service remains available to all users, CFPB and its associated service providers use security software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
    • Except for authorized law enforcement investigations, no other attempts are made to identify individuals that visit our website for legitimate purposes.
    • We continually monitor the security posture of our systems to protect consumer data, and we undergo audits to verify those protections are effective.
    • Unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act.

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    What information is shared?

    Information we collect about user interactions with our website is used to improve our website performance. We may share this aggregated information with other federal agencies and authorized CFPB contractors to help improve visitor experiences and design more efficient methods of navigating our website. The information we collect or share does not include any form of PII.

    If you provide your PII to CFPB (e.g., submit a consumer complaint or subscribe to a newsletter), CFPB may only share your information with third parties as legally authorized. We identify how the CPFB may share any data we collect within our published SORNs.

    Within the CFPB

    We may use your information to contact you if you identify yourself in an e-mail, comment, or other communication and provide us with your contact information. Bureau employees and contractors may use your information to complete your request, such as signing up for e-mail updates, and maintaining distribution lists. Our contractors may view and use your information when operating consumerfinance.gov, or systems that collect data through the website, on our behalf.

    With other government agencies

    We work with other government agencies to investigate complaints, coordinate law enforcement investigations, cooperate with oversight investigations, or further consumer protection activities. In some cases, we are required or authorized by law to share personal information with other agencies. When we do so, we ensure appropriate protections are in place.

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    Monitoring and protecting our website

    CFPB monitors the use of consumerfinance.gov to keep the website secure and available to all users. We employ software that monitors network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage to the website, users, or public visitors. Part of this process involves collecting non-identifying information about you as described above. By using consumerfinance.gov you expressly consent to such monitoring. If our monitoring reveals evidence of possible abuse or criminal activity, we may provide such evidence to appropriate law enforcement officials. Unauthorized attempts to upload information and/or change information on this website are strictly prohibited and may be punishable by law, including the Computer Fraud and Abuse Act of 1986 and 18 U.S.C §§ 1001, 1030 .

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    Copyright and trademark

    Website content: Information created by the CFPB is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau’s permission. Please consider appropriate citation to the Bureau as the source. Copyrighted materials created by entities outside of the Bureau also may appear on this website, or may be reached through a link on this website. Copyright and other intellectual property laws may apply to your use of those materials.

    Bureau trademarks: The Bureau’s logo, as well as the names Consumer Financial Protection Bureau and CFPB are registered trademarks. Your use of them, and any other registered trademarks, must comply with intellectual property laws.

    Liability

    The government assumes no legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website. Finally, CFPB does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights.

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    Revised December 2023

    @@ -1276,14 +1276,14 @@

    @@ -1479,10 +1479,10 @@

    Privacy

    diff --git a/www.consumerfinance.gov/rules-policy/petitions-rulemaking/index.html b/www.consumerfinance.gov/rules-policy/petitions-rulemaking/index.html index b3c9e9603ef6..f885696eb5e5 100644 --- a/www.consumerfinance.gov/rules-policy/petitions-rulemaking/index.html +++ b/www.consumerfinance.gov/rules-policy/petitions-rulemaking/index.html @@ -455,7 +455,7 @@
  24. - + Order free brochures @@ -2467,10 +2467,10 @@

    diff --git a/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html b/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html index 490a704bf50f..44bd57a26890 100644 --- a/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html +++ b/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html @@ -455,7 +455,7 @@

  25. - + Order free brochures @@ -1225,12 +1225,12 @@

    Regulatory agenda

    Twice a year, the CFPB publishes an agenda of its planned rulemaking activities.  

    -

    Fall 2023

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    +

    Fall 2023

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    -

    Regulatory agenda archive

    Spring 2023

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Fall 2022

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Spring 2022

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Fall 2021

    Preamble

    Agency rule list  

    Long-term actions list

    Completed actions list

    Spring 2021

    Preamble

    Agency rule list  

    Long-term actions list

    Completed actions list

    Fall 2020

    Spring 2020

    Fall 2019

    Spring 2019

    Fall 2018

    Spring 2018

    Fall 2017

    Spring 2017

    Fall 2016

    Spring 2016

    Fall 2015

    Spring 2015

    Fall 2014

    Spring 2014

    Fall 2013

    Spring 2013

    Fall 2012

    Spring 2012

    Fall 2011

    +

    Regulatory agenda archive

    Spring 2023

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Fall 2022

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Spring 2022

    Preamble

    Agency rule list  – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).

    Completed actions list – CFPB rulemakings that have been completed in approximately the last six months.

    Fall 2021

    Preamble

    Agency rule list  

    Long-term actions list

    Completed actions list

    Spring 2021

    Preamble

    Agency rule list  

    Long-term actions list

    Completed actions list

    Fall 2020

    Spring 2020

    Fall 2019

    Spring 2019

    Fall 2018

    Spring 2018

    Fall 2017

    Spring 2017

    Fall 2016

    Spring 2016

    Fall 2015

    Spring 2015

    Fall 2014

    Spring 2014

    Fall 2013

    Spring 2013

    Fall 2012

    Spring 2012

    Fall 2011

    @@ -1440,10 +1440,10 @@

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