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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.

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.

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.

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.

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.

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。

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

Hay estafadores aprovechándose de ansiosos compradores de viviendas. Desconfíe de cualquier email que reciba con cambios de último minuto en las instrucciones para pagar o transferir el dinero del cierre.

Scammers are taking advantage of eager homebuyers. Beware of emails with last-minute changes to your payment or wire instructions. Follow a few easy steps to protect yourself and your life savings.

Technology is transforming everything. Soon, consumers will find themselves being offered platforms that allow borrowers to access mortgage closing documents online.

Today, the process of getting a mortgage is easier to understand because the Know Before You Owe mortgage disclosure rule is now in effect. We’ve put together some frequently asked questions about the new rule and how it will make the mortgage process easier for you.

The Closing Disclosure is a five-page form that helps you understand the key features, costs, and risks of your mortgage loan. These changes make it easier to understand the terms of your mortgage before signing on the dotted line.

The new form is part of our Know Before You Owe mortgage disclosure rule that’s making the mortgage process work better for you. The Loan Estimate uses clear language and design to help you understand the key features, costs, and risks of a loan offer you’ve received from a lender.

You have the right to compare offers and understand the terms before you sign on the dotted line. After four years of work, these new forms and tools will help you shop for the best deal and avoid costly surprises when you sign on the dotted line.

Today we’re releasing the results of a pilot program where we explored tools and process changes that can help consumers better navigate closing by accessing and signing their closing documents in different ways. Specifically, we examined what would happen if there was more technology involved in the mortgage closing process, with documents being delivered electronically earlier together with online tools and resources. The electronic delivery and signing of closing documents using electronic signatures is sometimes referred to as eClosing.

Today, we held a forum on our Know Before You Owe eClosing pilot findings here at the CFPB. The forum featured remarks from Director Richard Cordray, as well as a panel discussion.

Today, we’re issuing a final rule delaying the effective date for the Know Before You Owe mortgage disclosure rule to October 3, 2015. The Know Before You Owe rule will improve the way you’ll receive information about mortgage loans, both when applying for a loan and when you’re getting ready to close.

The forum will take place on Wednesday, August 5 at 1 p.m. EDT, and will feature remarks from Director Richard Cordray, as well as a panel discussion with consumer groups, industry representatives, and members of the public.

Giving you three business days to review your Closing Disclosure before you sign on the dotted line is designed to protect you from surprises at the closing table. It also gives you time to consult with your lawyer or housing counselor and ask all the questions you might have about the terms of your mortgage.

Last year, we released a web-based tool that provides the public with easier access to mortgage data for 2007 through 2012. Today, we’re updating the database with 2013 data.

We asked you to tell us about pain points in the mortgage closing process and through this research and interviews, we’ve heard about four major pain points. We’ve got some ideas for how technology can improve the process and we’ll test them to put you in the driver’s seat of your mortgage closing. Read more about the current pain points and our e-closing pilot solution.

We’re holding a forum to discuss the mortgage closing process at 2:30 p.m. EDT. The event will feature remarks by Director Richard Cordray and Housing and Urban Development Secretary Shaun Donovan. The forum will also include a panel discussion with CFPB staff, consumer groups, and industry representatives. We’re livestreaming the event so you can follow along. Watch the livestream of the forum.

As the mortgage disclosure team said last week, we based Know Before You Owe on the idea that disclosure information is clearer when the people who will have to use those disclosures participate in designing them. We got feedback from many sources in many ways: In-person testing of the forms in cities across the country […]

Two and a half years ago, we began a line of work we call Know Before You Owe. The work that we did as part of that project helped lead us to the TILA-RESPA final rule we issued Wednesday. Among other things, that rule requires new mortgage disclosures: a Loan Estimate the consumer gets when […]

Today, we’re issuing the TILA-RESPA final rule. This rule improves the way consumers receive information about mortgage loans, both when they apply and when they’re getting ready to close. Alongside the rule, we’re publishing information to help industry understand what the requirements are, such as how to fill out the disclosure forms. Helping with that […]