Consumerfinance.gov

Consumer Financial Protection Bureau

The CFPB's vision is a consumer finance marketplace that works for American consumers, responsible providers, and the economy as a whole.

Actived: Friday Nov 20, 2020

URL: https://www.consumerfinance.gov/

Six tips to consider when you’re offered a retail store

This holiday season, you’ll likely get more than one offer for a retail store credit card. That extra 20-percent off or no-interest-if-paid-in-full offer may sound tempting, but it can come at a price. Enjoy the benefits and reduce the risk with these six tips.

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§ 1005.20 Requirements for gift cards and gift

1. Form of card, code, or device. Section 1005.20 applies to any card, code, or other device that meets one of the definitions in §§ 1005.20(a)(1) through (a)(3) (and is not otherwise excluded by § 1005.20(b)), even if it is not issued in card form.

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§ 1026.41 Periodic statements for residential mortgage

If a charged-off mortgage loan is subsequently purchased, assigned, or transferred, § 1026.39(b) requires a covered person, as defined in § 1026.39(a)(1), to provide mortgage transfer disclosures. See § 1026.39.

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Two ways to save extra money | Consumer Financial

The extra money can help you reach goals like paying off debt, saving up for an emergency fund, or even something fun for you and your family. Take control of your finances The "Get a Handle on Debt" series gives you tools to manage your debt by budgeting smarter , paying your bills on time , tracking your spending , paying down existing debts

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Rules on mortgage servicing | Consumer Financial

Featured topic. On June 23, 2020, the Bureau published an Interim Final Rule regarding loss mitigation requirements during the COVID-19 emergency.. In April 2020, the Bureau also published COVID-19 related mortgage servicing rules FAQs and joined the federal financial institution regulators and state regulators in issuing a COVID-19 emergency joint policy statement.

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Interactive Bureau Regulations | Consumer Financial

User notice. The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its Regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications.

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A model form for mortgage statements | Consumer Financial

Last May, we began the Know Before You Owe project to improve mortgage disclosures. We improved these disclosures by including the consumers and lenders who will use them in the design process and getting their feedback. But knowing before you owe is only part of the process. Once consumers have their mortgages: how do they […]

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sample letter Credit report dispute

Learn more at consumerfinance.gov 1 of 3 SAMPLE LETTER Credit report dispute This guide provides information and tools you can use if you believe that your credit report contains

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CFPB Laws and Regulations TILA

CFPB Laws and Regulations TILA CFPB April 2015 TILA 1 Truth in Lending Act 1 The Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., was enacted on May 29, 1968, as title

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Consumer Financial Protection Bureau

You are requesting help with a loan that was transferred to another servicer or paid off more than a year ago. Timelines: The servicer must acknowledge your letter within five business days of receiving it. If you are writing to say your servicer improperly started or scheduled a foreclosure:

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