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Category: At the CFPB | Category: Info for consumers |
Published

Improving how the CFPB gathers feedback

At the CFPB, we are committed to delivering trustworthy, impartial, accurate and timely information to the people we serve. To maintain this commitment we provide clear, impartial answers to hundreds of financial questions on Ask CFPB. Ask CFPB offers information you can use to make more informed choices about your money. Ask CFPB helps more than 6 million people do so each year and has helped more than 43 million lifetime users.

Category: Info for consumers |
Published

Transcript Withholding Holds Back Workers and Wages

Millions of students seek postsecondary degrees in the hope that advancing their education will lead to better job opportunities, higher earnings, and greater economic security for themselves and their families. But many institutions of higher education are precluding students from making professional and educational gains by withholding their official transcripts to collect education-related debts.

Category: Info for consumers |
Published

Consumers on course to save $1 billion in NSF fees annually, but some banks continue to charge these fees

A number of large banks are eliminating non-sufficient fund (NSF) fees on checking accounts, cutting total NSF fee volume by about 50%, or $1 billion, annually. Other banks continue to charge these fees. The Bureau is closely scrutinizing whether and when charging these fees may be unlawful.

Category: Info for consumers | Category: Policy and compliance |
Published

Busting myths about bankruptcy and private student loans

It is a myth that student loans are not dischargeable in bankruptcy. Some private student loans require a showing of “undue hardship” and an adversary proceeding within the bankruptcy in order for the loans to be discharged, while other types of student loans are treated the same as other unsecured consumer debt.

Category: Info for consumers |
Published

Climate risk should be considered in housing decisions

Flooding, fire, drought, and other climate risks have always been a danger to property and safety. However, with the changing climate, these risks are increasing, impacting the probability of damage, cost of utilities, price of insurance, and potential resale value of homes.

Category: At the CFPB | Category: Info for consumers |
Published

Designing for the people we serve

We believe our work should be rooted in research and experience from the people we serve. For many, our website’s homepage is the front door to the CFPB. We are excited to unveil our homepage redesign which considered feedback from dozens of people like you.

Category: Info for consumers |
Published

If you’re a homeowner struggling to make housing-related payments due to the pandemic, help is available or coming soon

There is help for homeowners financially affected by the COVID-19 pandemic. The Homeowner Assistance Fund (HAF) is a federal program that provides aid to states, Tribes, and territories to assist homeowners with housing-related costs. Learn how to sign up for more information or apply for assistance.

Category: Info for consumers |
Published

Comparing overdraft fees and policies across banks

Overdraft fees cost Americans an estimated $15.5 billion in 2019. Some banks have made recent changes to their overdraft programs; take a look here to see how your bank fares compared to others.

Category: Info for consumers |
Published

New VA rule relieves financial distress for thousands of veterans with medical bills

Getting sick or injured can often result in a heavy financial burden for many families, leaving them with mounting medical bills as well as aggressive debt collection and coercive credit reporting that can make matters worse. A new VA rule sets a clear precedent for reducing the financial distress of families and putting patients first.

Category: Info for consumers |
Published

Ang hindi inaasahang gastos ng mga lihim na singil

Nararamdaman ng maraming tahanan dito sa Estados Unidos ang mas mataas na presyo ng mga bilihin. Habang maraming mga indibidwal pati pamilya ay nag-aadjust ng kanilang mga budget, may ibang mga singil na wari ay mahirap iwasan – mga lihim na singil. Nais makarinig ang CFPB galing sa inyo kung paano kayo naaapektuhan ng mga lihim na singil.

Category: Info for consumers |
Published

정크 수수료의 숨겨진 비용

미국 전역의 가계에서는 더 높아진 가격을 체감하고 있습니다. 개인 및 가족들이 팍팍해지는 주머니 사정에 적응해 나가는데 피할 수 없는 수수료인 정크 수수료가 있습니다. CFPB에서는 이 정크 수수료가 일상적인 재정 생활에 어떤 영향을 미치는지 의견을 듣고 싶습니다.

Category: Info for consumers |
Published

Sự ảnh hưởng của phụ phí ẩn

Các hộ gia đình trên khắp Hoa Kỳ đang bị ảnh hưởng bởi giá chi phí cao. Khi các cá nhân và gia đình dần thích nghi với chi phí cao, nhưng có một số khoản phí mà họ dường như không thể thoát được là phụ phí. CFPB muốn nghe ý kiến của quý vị về sự ảnh hưởng của các khoản phí phụ đến tài chính hàng ngày của quý vị. Dịch vụ ngân hàng, thẻ tín dụng, tình trạng tài chính, phí hoàn thành giao dịch vay thế chấp, thẻ trả trước, phí chuyển tiền

Category: Info for consumers |
Published

The hidden cost of junk fees

Households across the U.S. have been feeling the cost of higher prices. As individuals and families adjust to the pinch on pocketbooks there are some fees they just can’t seem to escape – junk fees. The CFPB wants to hear from you on how junk fees have impacted your everyday financial lives.

Category: Info for consumers |
Published

El costo oculto de las tarifas inesperadas

Los hogares de los EE. UU. han estado sintiendo el costo de los precios más altos. A medida que las personas y las familias se acostumbran a apretarse el cinturón, hay algunas tarifas que no parecen poder evitar: las tarifas inesperadas. El CFPB quiere saber cómo las tarifas inesperadas han impactado su vida financiera cotidiana.

Category: Info for consumers |
Published

التكلفة الخفية للرسوم المفاجئة وغير المتوقعة

كانت وتظل الأسر على مستوى الولايات المتحدة تشعر بتكلفة الأسعار المرتفعة، ومع قيام الأفراد والعائلات بتكييف أحوالهم المالية لهذه التكلفة الملقاة عليهم إلا أن ثمة بعض الرسوم لا يمكنهم الفرار منها – وهي ما تسمى بالرسوم المفاجئة وغير المتوقعة. وعليه فإن مكتب الحماية المالية للمستهلكين CFPB يريد السماع منكم عن مدى تأثير تلك الرسوم المفاجئة وغير المتوقعة على حياتكم المالية اليومية.

Category: Info for consumers |
Published

垃圾費的隱含費用

全美各地的家庭都感受到了價格上漲的壓力。 隨著個人和家庭適應錢包的緊縮,他們似乎無法逃避一些費用 — 垃圾費。消費者金融保護局(CFPB)希望聽取您的意見,瞭解垃圾費如何影響您的日常財務生活。