Below is the text version of the August 25, 2021, Introduction to CFPB’s Office for Older Americans Webinar. >> ERIN SCHEITHE: Good afternoon and welcome to today’s webinar which is an introduction to the consumer financial protection bureau’s office for older Americans. We are so thrilled you have joined us today and we have a great webinar planned for you. I will note that today’s webinar is being recorded. If you have any objections to being part of a recorded webinar. You can disconnect at this time. This recording will be available on our website in the next couple of weeks. Next slide, please. I’m going to turn it over to Bryce, our host, who will go over a couple of logistics. >> BRYCE GEILING: Thanks Erin. Hi everyone, my name is Bryce Geiling and I will be your Webex technical support today. Before we turn today’s presentation over to presenters, I’d like to touch on a few housekeeping items. All attendees have been muted upon entry and will remain muted for the duration of the webinar. You can submit questions throughout the webinar in the chat panel by selecting all panelists in the drop down. We will ask them on your behalf during the Q&A portion of the webinar. If you need closed captioning, please refer to the link in the chat box or refer to the multimedia viewer panel. And as Erin mentioned, this webinar is being recorded. Now I’d like to turn it back over to Erin. >> ERIN SCHEITHE: Great, thank you. Before we get into the meat of the presentation, we are required to give you a disclaimer. This prestation is being made by a Consumer Financial Protection Bureau representative on behalf of the Bureau. It does not constitute legal interpretation, guidance or advice of the Consumer Financial Protection Bureau. Any opinions or view stated by the presenter are the presenter’s own and may not represent the Bureau’s views. In this document, the PowerPoint slides, was use din support of a live discussion. As such, it may not express the entirety of our discussion today or the emphasis of the discussion therein. Let’s go to the next slide. I am happy to introduce you to your speakers for today’s webinar. First Deborah Royster is the Assistant Director for the Office for Older Americans at the CFPB. She is coming up on her one year anniversary with us next week. After Deborah speaks, Michael Herndon will share a tour of our website. He is our Deputy Assistant Director for the Office for Older Americans. Deborah, let’s go to the next slide and you can take it away. >> DEBORAH ROYSTER: Thank you Erin. Good afternoon everyone. Thank you for joining us today. We hope that you are enjoying the waning days of summer and that you and your loved ones are safe and well as we all continue to endure and weather the challenges of the COVID-19 pandemic. In today’s webinar we will provide an intro to the Consumer Financial Protection Bureaus and the Office for Older Americans. We will share resources of the bureau for later-life financial security, resources to help older adults, as well as financial caregivers and aging service providers to help avoid elder financial exploitation. WE will share information on our Elder Fraud prevention and response networks program and information on how to order our materials through our Pueblo ordering site. Finally, we will share resources on housing and financial challenges related to the COVID-19 pandemic. Next slide please. First I’d like to touch on the Bureau’s mission and vision. The Consumer Financial Protection Bureau regulates the offering and provision of consumer financial products or service sunder the Federal consumer financial laws. And we educate and empower consumers to make better, informed financial decisions. The bureau was created in 2010 with the passage of the Dodd-Frank GET THE FULL NAME Act which was drafted in response to the great recession of 2007 and 2008. Next slide please. 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. In a market that works, the prices, risks, and terms of the deal are clear upfront so that all 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. To achieve this vision, the CFPB works to empower consumers to shop for the financial products and services that work best for them. We work to enforce consumer financial protection laws. We educate consumers throughout their lifecycle. Our core functions is 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 is our primary focus. Our work includes rooting out unfair deceptive or abusive practices acts by writing rules, supervising companies and enforcing the law. We enforce laws that outlaw discrimination in consumer finance. We take consumer complaints, we enhance financial education, we research the consumer experience of using financial products, and we monitor financial markets for new risks to consumers. In today’s presentation, we will be speaking primarily about empowering and educating consumers. Next slide please. Now I’d like to tell you a little bit, I’m sorry. So how do we answer questions and handle complaints? You can find answers to hundreds of financial questions on our website. If you can’t find the information you’re looking for there, you can always call us toll-free from 8 am – 8 pm ET at 855.411.2372. Where we can help you in over 180 languages. You can always find our toll-free number at the top of our homepage consumerfinance.gov. By calling this number, consumers can get answers to frequently asked questions, submit complaints, check the status of already submitted complaints, and get the same information in response to frequently asked questions as we offer on our askCFPB at consumerfinance.gov Monday-Friday from 8 am -8 pm ET. We offer services in English, Spanish and more than 180 languages. Consumers can also find answers to their questions and submit a complaint on our website. Now I’d like to tell you a bit about the Office for Older Americans. Next slide please. Our office engages in research, policy and educational initiatives to help protect older consumers from financial harm. We create tools and resources to help consumers make sound financial decisions as they age. And we help stakeholders by providing tools to support long-term financial security for older adults. Now I’d like to turn the program over to the Office for Older Americans’ Deputy Assistant Director, Michael Herndon. >> MICHAEL HERNDON: Thank you Deborah and thank you everyone for participating with us today. We hope the information we’re providing is not only informative, but useful to you. One of the best places to start with getting information and resources from CFPB is our website. So, I’m going to start off and provide you a little bit about two of the agenda items that we talked about which is what we have all experienced that is the Groundhog Day of the COVID-19 pandemic that continues and challenges in different ways. CFPB is continuing to stay on top of it and producing resources for consumers and other types of intermediaries around all the issues that continue to come up certainly around all the financial aspects of how it is affecting their lives. So, on CFPB’s homepage, which you see here. Consumerfinance.gov. You’ll see down below “access our resources” around protect yourself financially from the coronavirus. That’s where you can find information about housing security, managing finances, avoiding scams, understanding student loan repayment issues. That’s where all our information continues to be put and kept for resources around the impact of the pandemic. One thing I want to point out is the housing. Right now, obviously mortgage payments and rental assistance is important for people. There’s a lot of moving targets and we’re staying on top of it and providing a good resource for everyone. That’s where we have information about homeowners and renters. All of the information that may be of use to them. There are things you can utilize for your constituents or in your own lives for the housing and security issues. Then to transition to our office – the Office for Older Americans. The information I’ve just shown is more general across the bureau, but our office specifically, we have a landing page for all the information for Older Americans. There’s two ways to get there. If you go to our website – the main page- you’ll see consumer education – resources for practitioners. That’s typically who we talk about – intermediaries, stakeholders, aging service providers, law enforcement, financial institutions concerned about aging. This is for any kind of intermediary we have. As you scroll down, you’ll see the different types of groups the CFPB tries to provide resources for. Older Adults and their families is the topic there. This is the Older American’s homepage. You can certainly bookmark this page and then you don’t have to go back through all those layers. You just bookmark this and keep it at the top of your browser, I certainly do. Then you can always come back to the Working with Older Adults – that’s the homepage for our office. You see we have a welcome video by our new Assistant Director, Deboarh Royster to provide an overview of what we do in our office. Then you’ll see down below here you’ll see the two items that we mainly address for older Americans are those later life financial issues and protecting against fraud. Those are the two main areas, and we have some other programmatic that are managing someone else’s money and linking back to the pandemic resources here. Today we’re going to focus on these two main areas of OA (Office for Older Americans) work – later-life financial security and protecting against fraud. So I’m going to start with our tools for financial security in later life. These are anything that helps those who make those financial decision they have to make later in life. Anything from those retirement decisions to making those legacy plans and what to do if they should ever have mental capacity issues. I’m going to highlight for you first, claiming social security. That is obviously a huge decision for people. We do have a tool around planning for social security. You put in your birth date, your income information and get an estimate. This tool is very helpful for people to get that ballpark estimate for how much they’ll get around social security. TI really opens their eyes to make this a mathematical decision and not just an emotional decision as to when they’re ready to retire. The other areas that we have here are around diminished capacity as you are making legacy plans and later life issues around making financial decisions for yourself. Social security advance designation. All of these are blogs and guides that it links off to. Know your financial advisor – we’re going to be working on it to update it and it will be a guide to help people know what to do when seeking financial advice, some of the things to consider. pension payouts, and as I said, managing someone else’s money. This can come when you’re responsible for another adult – managing a parent’s finances or someone else may be doing it for the individual. These guides – managing someone else’s money – are for four types of fiduciary roles that people may have in managing someone else’s money: power of attorney, court-appointed guardian, trustees, and government fiduciaries. One each of these you can click through and see the download here for the actual guide. On all these materials that I’m showing you. At the end, I will show you how you can order free copies of these and have them shipped to hem in bulk. Now I’m showing you how to get to them online and then I’ll be showing you how to order them. Let me go back to our information that is later-life financial decisions. We have probably the most comprehensive set about reverse mortgages that there is. We have videos, downloading guides. We’ve got information for people who are possibly considering getting one, we’ve got information to consider on what to do if you have taken out a reverse mortgage – that’s the rights and responsibilities guide. We have a guide for when natural disasters hit. Sometimes that happens and people have a lot of decisions and steps they need to do. There is a lot of great information around reverse mortgages so people can understand home equity as they age and using it as an asset and what that might mean. I will go back. Back to the homepage here. The next section I’m going to cover is the fraud prevention section. Again, this is the later-life financial security and those tools, and this is the protecting against fraud section. We have a number of items here that can help individuals or intermediaries, or stakeholders how want to educate consumers against fraud and exploitation against them. One of our key programs is the Money Smart for Odler Adults. It is an instructor-led curriculum that can be used in a variety of ways. You can get copies of it right off our website. Here is the resource guide you would hand out to older adults. There are slides you can get. Just about everything we do is available in English and Spanish. There are some other things that we do such as consumer advisories around preventing fraud. We have information for assisted living and nursing homes. This is a guide around helping residents in those residences. The staff can help them avoid fraud and exploitation. We have information for specific financial institutions that they can do to help their customers avoid fraud and financial exploitation. Whether that be training or certain policies and procedures they implement. There are a number of resources for financial institutions and one thing I wanted to point out. One of our programs that we have for fraud prevention is our networks program. That is an effort to help communities collaborate together to enable better prevention and response to an instance of elder financial exploitation. So the link for this as a county coalition against elder financial exploitation. There may be one operating in your jurisdiction or you may want to start one. We have a report around those kinds of networks. We have information in that report about different structures it may take on. To help build those networks, we created a development guide. In this there are a number of resources and step-by-step information about how you may put together at the county-level a county coalition against elder financial exploitation. How to plan a retreat to bring those people together – how to host it, how to get the network up and running and how to continue the work you want to do. There’s a number of things you may want to do under each section. Steps you might want to take to print these out with different group activity guides. A number of ways we have put together information. Also, one of the things we have put together is the number of resources for the ongoing work of the network might want to take on. Things that a stakeholder could use. Like a planning guide. Information about what is Adult Protective Services, what are the area agencies on aging. Different background on financial regulators. We really believe that the network guide can serve as a great resource for people who want to take on a different type of fraud prevention effort. You can always go, you know, click the back arrow to go to the homepage for the office for older Americans. Again, I have bookmarked it so I click on my bookmark browser to jump back to our home page. What I want to show you, here, is two things. If you are not on our email distribution list, which, if you got an email about this webinar, you probably are. By chance, if you are not, you can always subscribe to our emails. You can subscribe, here, under connect with us. You can show other people where they can sign up for it. Right here, the free brochures, and other way to help clients. This is where you can jump over to the site where you can order all of our print materials for free. They order them in bulk, you pay for the shipping, they come to you. This is all on the government printing office website. If you happen to new Pueblo is a distribution center for government publications. CFPB's print materials are all together in one sort of webpage, I guess, within the Pueblo site. When you click on that link, you come to the publications where you can order anything, again, for free, we will pay for the shipping. On the left-hand side, here, you see all the different topics available. Like I was saying, we have managing someone else's money in other older adults product is protecting residence. That is the guide for nursing homes and assisted living and what they can do to help prevent incidents of elder financial exploitation. That is the topical area. You just look for the different products available. This is the title, this is that guide. If you would like to order you choose right here, under order this print publication, the number you want. Add it to a cart. If you have done any online shopping during the pandemic you know how to build a cart and checkout. The good thing here is, you don't have to pay, you just put in your information and get it for free. Obviously, you know, this information is required. It really helps if you say what type of organization this is. It helps us know how to better tailor our materials. Then submit the order. There is a number of older adult antifraud information. We have place mats, senior centers can order place mats so they can provide meals. They can order place mats, you know, they can order, let's say, this one is on play it safe online, about online safety. This publication is available only in electronic format. This one is for download. There are other hears that you can order in bulk. There we go. This one is the charity scam place mat. You can order, again, up to it thousand copies. You can order 200, add to cart, and then check out when you're ready. That is our tour of the website. I know that was a lot and quick. We, certainly, are available by email and, if you ever have any questions about information on our site and ordering from Pueblo. I am going to, now, stop sharing. We come back to information on the slide. Erin can take it from here. >> ERIN SCHEITHE: Thank you Michael. That was a fantastic tour of our website. I know when Deborah, Michael, and I, and others on the older Americans team. When we go out and make presentations, a lot of people say, your resources are so great, but I never would have been able to find us on the site myself. We figured, a nice tour of the website, especially where you can order those resources, might be helpful. If we have time for some questions, so, if you have any questions, please put those into the Q&A box. We will be able to answer some of those. Let's go to the next slide. I put in the chat, as Michael was speaking, a lot of the different pages that he was mentioning from our website. There are two links that I would suggest you bookmark. The first one is consumer finance.gov/older Americans. That is the page where you can find all of our OA resources. You can find money smart for older adults, managing someone else's money, you can find our fraud prevention place mats, posters, book arcs, and table tents. You can also add your name to our email distribution list. I am glad that Michael pointed that out as well. The other link to bookmark is consumer finance.gov/order. When you click on that link you will be taken to our Pueblo ordering site. If you know the publication you want to order you can type it into the search bar, otherwise there are different categories you can go through. If you have any questions about some of the resources that we offer. You can email us at older Americans at CFPB.GOP. We monitor that inbox once or twice a day. If you have questions, please put those into an email, send them our way. If you have thoughts or suggestions on other resources that you have heard your clients need. That you want to share with us. Please do. In fact, one of our resources, our reverse mortgage guide to natural disasters was the direct result of someone sending an email to that inbox saying, hurricane Maria has just inundated order Rico and some of our reverse mortgage clients need help. What their next step should be. It really does help if you let us know the types of things that you are hearing and seeing if you are in aging services provider. Definitely, email us. We are going to take a couple of polls, now. We want to know a little bit more about you now that you have learned about us. Bryce is going to help us out with the polling. Our first question is, where do you work? We would love to know. Are you in aging service provider, do you work at a financial institution? Are you a consumer? Please let us know. We would also like to know how you heard about this event. Click all of the options that apply, but if you received an email from us about this webinar, click on that option. If a friend told you, definitely click on word-of-mouth or that you received an email from a friend if you use our resources, let us know how useful you think they might be to your work. Whether they would be extremely useful or not at all. We definitely want to know. Hopefully they are at least slightly or moderately useful. Definitely check that poll. Let us know what we can improve for next time. As well as provide any additional comments that you might have about our webinar today. This is the first in a series of webinars that we will be holding each month. We would love to know other topics that you might want us to cover. If it is something that we do cover, we would consider that I would love to share the answers to the first, second, the first and second questions, if we can. I would love to know how they heard about this event. If we can publish the results of those, that would be great to see. It might be helpful for others, as well. Okay. It looks like we had a few people who didn't answer, but most of you work at financial institutions, legal services, or some other type of aging service or social service provider. We have also got an awful lot of librarians on the call. That is fantastic. A few consumers and a few financial caregivers. That is really great. How you heard about this, most of you said you received an email from us or an email from a friend or colleague. That is very good to know. A couple of you heard about it on social media or from our website, word-of-mouth, and that is great too. Please know that we are here to help you. We hope that you will check us out on our website, send us an email. I don't think we have any questions at this point. We do have a bunch of questions. Let's go to those. Let's go to the first one. Are we able to customize the brochures? An example of that, this would be provided to you by X, Y, Z company. Michael, can you take that one? >> MICHAEL HERNDON: Sure. We, actually, do. We have at least one that you can. Managing someone else's money. If you go to that managing someone else's money landing page, that I showed, can't jump her back right now. If you go to that page, there is a section on the right where you can see about customizing. It is limited to just to be managing someone else's money, but we do have those available for what we call cobranding. There is an agreement and a bit of an expedition on how to co-brand that. It is, basically, putting in a logo. I don't know if there is room for text, to add text to that brochure. I think it is just adding a logo. If there are others that you are interested in, I would just say write to us, there might be times in which we realize that is an appropriate step for us in the cobranding. The other thing that I would say is, also know that, the information that we have is not copyrighted. You cannot put it out as though you are the government. You have to, sort of, make sure you are following the rules around not portraying yourself as CFPB. If there is something in managing someone else's money or money smart for older adults that you think is valuable and you would just like to take that text and put it into a newsletter, that is certainly okay. There are ways to customize, co-brand stuff, but then there is also ways to use our content and spread the word on your own. >> ERIN SCHEITHE: Thank you, Michael. Another question for you, approximately how long does it take to receive the publications if you order them from our Pueblo site. This person is in Georgia. Can you answer that question? >> MICHAEL HERNDON: One thing I will say is that, at times, we get a rush of orders and we might run out of stock. If we have them in stock, I would say, depending on -- three to six weeks is going to be an order time for most of our Publix. If we are out of stock, this happened back in the spring, we had a huge rush on our materials. We had to go into reprint mode. We might go into backorder. If that is the case, we will send you a notice saying, this is in backorder it may take a little bit longer until we get those new copies printed and put into the warehouse and ready for distribution. You will know that. Anywhere from 3 to 6 weeks you can expect the materials to arrive. If they are on backorder you will get a notice about that. You can certainly download it and, you know, downloaded off the website and they are immediately ready to go if you have a more immediate emergency need, so to speak. >> ERIN SCHEITHE: That is an excellent point, Michael. If you have any questions, or something you're interested in, is not available at Pueblo or if you need a little guidance on how to print something. Some of our resources are booklets. They might, you know, need to be printed a little bit differently. Drop an email to us at olderamericans@CFPB.com. Do you have any material so we can educate seniors on any of the topics we discussed today? Michael? >> MICHAEL HERNDON: Yes, this is specific to the money smart for older adults. That print guide I showed you, again, if you go to financing, our homepage, financial product prevention. That is the first a resource that comes up. There is a link, there, over to where you can download some PowerPoint slides. It is from our partner in money smart for older adults. They, on their site, have PowerPoint slides that are free for download. You can go over them in zoom. There is also the print resource guide. It reflects what would be in the PowerPoint slide. We also have an instructor guide, so that if you were doing them, either in person or online, you can use the instructor guide to go through the slides. You can do a whole zoom presentation. You have got the instructor guide right there in front of you. You have got the slides ready to use, also, again, going back to not in person. Our place mats and those bookmarks and those other things that I showed you, those are, again, lined up to money smart. They are the same topic. If you wanted to do the money smart section on romance scams, you got the instructor guide that tells you how to do it. You've got the slides you can show. You've got the print resource you can hand out. Some bookmarks, table tents, and a poster. Those all go with the theme. >> DEBORAH ROYSTER: If I could just add to that, thank you Michael. One of the great things, or great aspects about money smart for older adults program. It is, literally, a turnkey initiative. You and your community can download materials, the instructor guide, all the power points. The work has been done. You can share that information with your stakeholders and your community. It is, you don't have to create that content yourself. Before joining the Bureau, I worked with a different agency on aging. That is exactly what we did. We were so thrilled to find a resource that was readily available, that was free, we could order it in bulk, and we shared that with our stakeholders, and it was very, very well received. If you haven't had a chance to take a look at the money smart for older adult initiative, program, please do. As Michael indicated, also, we have updated it recently with a new segment on romance scams. We know romance scams have affected consumers of all ages, but for older adults in particular, older adults experience the largest dollar loss associated with romance scams, according to FTC data. I believe the average dollar loss is approaching, I think, $9400. We decided, working with the FDIC, it is very important to update money smart to include a segment specifically discussing romance scams. >> ERIN SCHEITHE: Thank you so much, Deborah. I have a question for you. At what age is an individual considered an older adult? This person is asking as a social worker who is interested in working in aging services. >> DEBORAH ROYSTER: I believe the older Americans act defines older adult as age 60 or older. There are other agencies that define its differently. Younger or older. It can depend on the statute that you are looking at, considering, and I think you have to look at the specific legislation and specific agencies for that determination. >> ERIN SCHEITHE: Great, thank you. For our purposes the Frank-Dodd Act suggests that it is 62 for us. Anyone is an older adult. Any of our resources can be used with people of all ages, including those fraud prevention place mats. Including money smart for older adults. It is in a larger type font. Other than that, there is, really, no barrier to using it with others who you may serve. >> MICHAEL HERNDON: One thing I might add, Erin. A point about the older, you know, you and Deborah said there is going to be a variety of ages that might need a legal definition or some other definition in law. There is, also, sort of, the emotional aspect of, let's say somebody is 58 and has just lost a spouse unexpectedly. They may be in a heightened state of concern and grieving that makes them a little bit more vulnerable for fraud. They might have a number of assets that they are now dealing with. What do I do with this 401(k) that is left over? That may be, it is not necessarily that they are older, it is that they are experiencing something that is putting them at risk that an older person might more often be facing. Versus a couple who are in their 70s who don't face that. They might not be in that emotional state. Sometimes it can be between the legal definition for benefits and purposes, you claim Social Security at age 62, but it could be something just like losing a spouse. >> ERIN SCHEITHE: Thank you. Michael, I have another question for you. Can you share any resources on using technology safely? >> MICHAEL HERNDON: Yes. Within, I know that within the placemat, I take that back. In the COVID information we have some advisories around shopping online safely. Shopping online, you know, not getting caught up in certain types of fraud. I believe, Erin, is there a placement? On cyber behaviors and things like that? A variety of materials that we have. We do address it, not solely, there are other agencies like the Federal Trade Commission and other type of agencies that might deal with cyber security and safe online behaviors but, we do have some information on that. >> ERIN SCHEITHE: Great, thank you. I'm going to drop a couple of links into the chat, as Michael mentioned, we did publish a blog post that you can, very much, copy and hand out. That is on shopping safely and other tips for financial caregivers during the pandemic. I am, also, going to put in a link to some resources from our pandemic response that are specifically for older adults, too. Check those out in the chat. Let's see what our next question is. Let's see. Does your agency, or office, so OA or CFPB investigate fraud cases when complaints are filed, or refer them out? Deborah or Michael, would either of you want to answer that one? >> DEBORAH ROYSTER: We do receive complaints on our CFPB website. As I reviewed, earlier, we referred those complaints to the company that is the subject of the complaint. We monitor the responses that are given and, if you haven't had a chance to take a look at our website for our complaint portal, we encourage you to do that. It can be a very helpful way to have your voice heard by those companies where you do have concerns. Michael, do you want to add anything to that? >> MICHAEL HERNDON: Yeah, the one thing I might add is, the complaint team, within CFPB, does do a bit of sorting, I guess. I don't want to say triage. I'm trying to think of the right term, there. If somebody writes and says, hey, I bought something online and it never showed up. They realize, that is not for us, they will referred over to the Federal Trade Commission. Somebody writes and says, I think I invested in something and the person is not responding to my calls and there is a problem, they realize that is not under our jurisdiction, they might refer that off to the FCC. As Deborah said, for our complaint forms that we have on boarded, so if you have a complaint about a financial institution, we will work to get you a response to that. If the complaint is about, just, they are not doing something I expected them to do. That might be a complaint versus, if you write in and say I have been defrauded. There might be a bit of a nuance, there, as to what actions CFPB needs to take next. Is it just getting a response to a concern you have? Or are you writing in saying you have been ripped off, like fraud, you know, this was a scammer. There might be a bit of nuance about which next steps we take even if it is within a financial institution. >> ERIN SCHEITHE: Great, thank you both so much. Someone asked if there is a page four older adults, specifically, for rental assistance. There is not, because really, there is no difference in the rental assistance that is available. I'm going to drop another link into the chat. This is our rental assistance and renter protections page. One thing to note, is that, sometimes older adults may be landlords and living on the rental income that they may get from the properties they own. There is help for landlords, as well as for renters. I will now add the link to help for landlords. If you do have any clients who are saying, you know, I have a couple of renter properties I rely on that money and my renters have been affected by the COVID-19 pandemic and they are not paying their rent. There is assistance for landlords, as well. Okay, let's see what other questions we have. >> MICHAEL HERNDON: If we can add a link to, we did put out a snapshot, while it is not a specific resource for older Americans in housing, we did just release some information about how older adults are facing housing challenges, right now. Two informational snapshots. It is not for consumers so much as it is for stakeholders, but we have those too. You might want to leave those in the chat. >> ERIN SCHEITHE: I will, I will get that. We did those by email. Let me grab those links. While I am doing that, I will ask -- no, I think that is all the questions. A couple things. Do we have any video that can be used on social media? Michael, can you answer that one well I am getting the link to our snapshots? >> MICHAEL HERNDON: Sure. Yep. So, I will answer to the best of my abilities. As tech savvy as I can be about social media and/or video. We do have videos. We have a YouTube channel, and then we have different videos that you can, certainly, link to. We have some videos that are very brief and instructional. We have one about, I want to use a more sophisticated term than a cartoon, it is an animated video around reverse mortgages. It is explaining in a visual sense what a reverse mortgage is. We have a more live-action video around the use of managing someone else's money. To the degree that you can simply post in social media a link to that video. Obviously, video is a great way to provide content education versus just print resources. You can certainly link those. What I don't know that we have is any, necessarily, social media graphic pieces to share. It would just be a link, just like you would anywhere else. That may be something that we consider, you know, toolkit, ready to use social media graphics. I know we do toolkits where we have social media posts that you can use, and it is suggested language. Use those words and then this link. Do you want to provide any further information about those kind of sharing? >> ERIN SCHEITHE: First and foremost, I want to note that, our CFPB social media, we have twitter and Facebook. If you go to those pages, feel free to retweet, engage with us on Facebook and twitter. You can also copy our tweets and use those, as Michael mentioned. What this is telling me, as always outreach coordinator, is there is a little bit of a hunger for some of these resources. That is definitely something we will consider in the future. We do have a couple of videos. They are on our YouTube channel. If you go to our YouTube channel, which I will put a link in the chat for our YouTube channel. If you go to that page, you can share videos from that page on your social media. You are welcome, again, to retweet any of the videos that we have posted on our twitter feed. In particular, a video about to the reverse mortgage product, it is one of our most watched videos. I think, because it is a video that really shares what a reverse mortgage is in a concise way. It is engaging. I encourage you to check that one out, as well. Apologies for the really long, weird link. Disregard that one. I put a second one in that has the snapshot, there. We shared that by email. Let's see, we had a couple more questions. We, also, had a question about online and mobile banking support for older adults. I'm dropping a link, again, in the chat, to a blog that we wrote about online and mobile banking tips for beginners or older adults. I am in our office for older Americans, I wrote it, so it has a beginner slant but know that it is in an older American lens. Definitely check that out. I would also suggest that you check out the ready set thank videos. We have seen those, and heard about them, they are not our product so I am not endorsing them in any way. But, if you Google those, you may find that those are of interest to you, as well. Let's see, the last question that we have is, will you be sending copies of this presentation out to the audience? I am happy to report that we have been recording this webinar, and so, give us a little time to clean up the recording, and then we will post that on YouTube and on our older Americans webinar archive. I will add and link to that, as well. If you go to our older Americans page, there is a spot where you can find all of the webinars that we have done in the last couple of years. That may be a good opportunity for you to revisit some others that we posted earlier this year, around May, which is older American’s month. That will give you some other in-depth topics. We will be continuing to add our monthly webinars to that page. Check back often. Because we didn't require registration for this webinar, we won't be sending out slides. If you would like a copy of the slides, please visit or please email us at olderamericans@CFPB.gov , and we can send a copy of the slides out to you. Michael shared his screen, so, there were only about 10 or 11 slides in the presentation. It may be a better thing to watch the recording and share those links, as well. I think that is everything. Any other questions? It looks like we have -- great, okay. If you did receive an email about this webinar than it probably means you are subscribed to our newsletter. People are wondering how they got on our list and how they found out about the webinar. That is how. With that, I think we will close it out. We will give you five more minutes back in your day. Special thanks to our assistant director Deborah Royster, our deputy assistant director Michael Herndon, our webinar tech support Bryce and Whitney who have been behind the scenes answering a lot of your questions and helping us out as we navigate this. We look forward to seeing you on our next webinar. Save the date, it is September 29th at 3:00 p.m. We will be discussing housing resources. Those of you who asked questions about housing, bookmark that date on your calendar. Thank you so much, everyone.