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Consumer advisory: Your money is at greater risk when you hold it in a payment app, instead of moving it to an account with deposit insurance

https://www.consumerfinance.gov/about-us/newsroom/consumer-advisory-your-money-is-at-greater-risk-when-you-hold-it-in-a-payment-app-instead-of-moving-it-to-an-account-with-deposit-insurance/

...can be covered by federal deposit insurance....moving it to an account with deposit insurance English Español JUN 01, 2023 Share...not protected by federal deposit insurance Nonbank payment apps help you move

Issue Spotlight: Nursing Home Debt Collection

https://www.consumerfinance.gov/data-research/research-reports/issue-spotlight-nursing-home-debt-collection/

...years in a nursing home.18 In addition, life expectancy is expected to rise through...through 2060.19 With increased life expectancy, older adults are also expected to

Financial Terms Glossary

https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/glossary/

...receive proceeds or benefits. In the insurance context, it’s the person, charity...an employer, the government, or an insurance company provides that’s often used

CFPB Report Finds Confusion in Reverse Mortgage Market

https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-report-finds-confusion-in-reverse-mortgage-market/

...for property taxes and homeowner’s insurance. Nearly 10 percent of reverse mortgage...they have failed to pay taxes and insurance. The original purpose of reverse

Statement of CFPB Director Rohit Chopra, FDIC Board Member, on the Final Rule Regarding False Advertising, Misrepresentations of Insured Status, and Misuse of the FDIC’s Name or Logo

https://www.consumerfinance.gov/about-us/newsroom/statement-of-cfpb-director-rohit-chopra-fdic-board-member-final-rule-regarding-false-advertising-misrepresentations-of-insured-status-and-misuse-of-the-fdics-name-or-logo/

...advertising, misrepresentations of insured status, and misuse of the FDIC’s name...Advertising, Misrepresentations of Insured Status, and Misuse of the FDIC’s Name...print Today, the Federal Deposit Insurance Corporation (FDIC) Board of Directors

How much can I afford to borrow for a car or auto loan?

https://www.consumerfinance.gov/ask-cfpb/how-much-can-i-afford-to-borrow-for-a-car-or-auto-loan-en-751/

...regular maintenance, gas, and car insurance. Start calculating the potential...monthly expenses, such as interest, insurance, and routine maintenance. Then, subtract

Mortgage answers

https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/

...loan is any mortgage loan that is not insured or guaranteed by the government (such...like property taxes and homeowner’s insurance. A portion of your monthly payment

How do I compare auto loan offers?

https://www.consumerfinance.gov/ask-cfpb/how-do-i-compare-auto-loan-offers-what-should-i-look-at-besides-the-monthly-payment-en-753/

...the total costs you’ll pay over the life of your loan. For example, a longer...ultimately pay more in interest over the life of the loan. To get a more complete

CFPB Orders Auto Lenders to Refund Approximately $6.5 Million to Servicemembers

https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-auto-lenders-to-refund-approximately-6-5-million-to-servicemembers/

...total payments for the loans. Over the life of a typical 60-month MILES loan, a...additional interest—an extra $75 over the life of a typical MILES loan. U.S. Bank,

Mortgages key terms

https://www.consumerfinance.gov/language/cfpb-in-english/mortgages-key-terms/

...loan is any mortgage loan that is not insured or guaranteed by the government (such...like property taxes and homeowner’s insurance. A portion of your monthly payment

Figure out how much you want to spend

https://www.consumerfinance.gov/owning-a-home/prepare/figure-out-how-much-you-want-to-spend/

...mortgage insurance, homeowner's insurance, supplementary insurance (such as...as flood insurance), and homeowners’ association fees. Some expenses like taxes

Prepared Remarks of CFPB Director Richard Cordray at the National Association of Realtors

https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-of-cfpb-director-richard-cordray-at-the-national-association-of-realtors-know-before-you-owe/

Springsteen, once said, "I have spent my life judging......Springsteen, once said, “I have spent my life judging the distance between American...with the mortgage such as taxes and insurance and closing expenses. The second

Understand the different kinds of loans available

https://www.consumerfinance.gov/owning-a-home/explore/understand-the-different-kinds-of-loans-available/

... including interest and mortgage insurance How much you can borrow, and the...How much interest you pay over the life of the loan Compare your loan term options

Issue Spotlight: Analysis of Deposit Insurance Coverage on Funds Stored Through Payment Apps

https://www.consumerfinance.gov/data-research/research-reports/issue-spotlight-analysis-of-deposit-insurance-coverage-on-funds-stored-through-payment-apps/

...these platforms often lack deposit insurance coverage and are at risk of loss...Issue spotlight Analysis of Deposit Insurance Coverage on Funds Stored Through...claim to provide federal deposit insurance coverage to users through business

Checklist to rebuild your finances

https://www.consumerfinance.gov/about-us/blog/rebuilding-your-finances-checklist/

...decisive steps to start putting your life back together. The checklist below will...damaged by the storm, contact your insurance company to start the claims process

Homeowners Protection Act (HPA or PMI Cancellation Act) examination procedures

https://www.consumerfinance.gov/compliance/supervision-examinations/homeowners-protection-act-hpa-or-pmi-cancellation-act-examination-procedures/

...difficulties in canceling private mortgage insurance (PMI) coverage. It establishes provisions...entities within its jurisdiction. PMI is insurance that protects lenders from the risk

Junk fees are driving up housing costs. The CFPB wants to hear from you.

https://www.consumerfinance.gov/about-us/blog/junk-fees-are-driving-up-housing-costs-the-cfpb-wants-to-hear-from-you/

...and they include things like title insurance, credit report and appraisal fees...appraisal and credit report fees, title insurance, discount points, and other fees

OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; OneMain Financial of Minnesota, Inc.

https://www.consumerfinance.gov/enforcement/actions/onemain-financial-holdings-llc-et-al/

...including credit life insurance, credit disability insurance, and identity theft

Resources for Small Business Owners

https://www.consumerfinance.gov/about-us/small-business-lending/additional-resources/

...our free resources on planning for life events and large purchases , organizing...websites, and the Federal Deposit Insurance Corporation’s (FDIC) Money Smart

Seven factors that determine your mortgage interest rate

https://www.consumerfinance.gov/about-us/blog/7-factors-determine-your-mortgage-interest-rate/

...save you thousands of dollars over the life of your mortgage loan, so it definitely... your closing costs and mortgage insurance may be included in the amount of