What is a buy rate for an auto loan? https://www.consumerfinance.gov/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/ ...you like, the dealer’s finance and insurance department will obtain loan quotes...hundreds or thousands of dollars over the life of the loan by getting quotes directly
Prepare your money situation before you buy a home https://www.consumerfinance.gov/language/cfpb-in-english/prepare-your-money-situation-before-you-buy-a-home/ ...mortgage Mortgage insurance Property taxes Homeowner’s insurance Supplementary insurance...insurance, such as flood insurance Homeowners’ association (HOA) fees Home maintenance
Prepared Remarks of Julie Margetta Morgan at the HealthWatch Wisconsin Medical Debt Symposium https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-of-julie-margetta-morgan-at-the-healthwatch-wisconsin-medical-debt-symposium/ ...to work, to get housing, and to seek life-saving medical care. Research from the...healthcare and the role of health insurance have been so well-publicized that
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
Director Cordray Remarks at the “Know Before You Owe” Mortgage Field Hearing https://www.consumerfinance.gov/about-us/newsroom/director-cordray-remarks-at-the-know-before-you-owe-mortgage-field-hearing/ ...long been part of our American way of life. For many people today, even after all...means putting a stake down on a better life. As T.S. Eliot said, “Home is where
Your Money, Your Goals: Online resources https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/online-resources/ ...disabilities ABLE (Achieving a Better Life Experience) Accounts: SSA.gov and IRS...state. Social Security Disability Insurance (SSDI) and Supplemental Security
Shop for homeowner's insurance https://www.consumerfinance.gov/owning-a-home/close/shop-for-homeowners-insurance/ ...for homeowner's insurance English Español Homeowner’s insurance protects you in...also require you to have homeowner’s insurance as a condition of your loan. You
Consumer reporting companies https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/ ...employment, residential rental housing, insurance, and in other decision-making situations...collectors Insurance companies (health, life, auto and other property insurance screening)
Prepared Remarks by Richard Cordray on Reverse Mortgages Study https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-by-richard-cordray-on-reverse-mortgages-study/ ...paying property taxes and homeowner’s insurance, which can cause real problems (including...young age compared to their rising life expectancy. The most common age for
Prepared Remarks of Director Rohit Chopra on the FDIC’s Deposit Insurance Fund Restoration Plan https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-of-director-rohit-chopra-fdic-deposit-insurance-fund-restoration-plan/ ...increase in deposits in our nation’s FDIC-insured banks. This shock caused the reserve...reserves required in our Deposit Insurance Fund – to fall below the floor set...Rohit Chopra on the FDIC’s Deposit Insurance Fund Restoration Plan By Rohit Chopra...increase in deposits in our nation’s FDIC-insured banks. This shock caused the reserve
Closing disclosure explainer https://www.consumerfinance.gov/owning-a-home/closing-disclosure/ ...you have items in Estimated Taxes, Insurance & Assessments that are not in escrow...Interest Principal & Interest Mortgage Insurance Estimated Escrow Details to check
CFPB Study Finds Reverse Mortgage Advertisements Can Create False Impressions https://www.consumerfinance.gov/about-us/newsroom/cfpb-study-finds-reverse-mortgage-advertisements-can-create-false-impressions/ ...reverse mortgages today are federally insured through the Federal Housing Authority’s...home for the rest of the consumer’s life: The study found that many ads implied
Consumer advisory: Don’t be misled by reverse mortgage advertising https://www.consumerfinance.gov/about-us/newsroom/consumer-advisory-dont-be-misled-by-reverse-mortgage-advertising/ ...paying property taxes or homeowners insurance. Seniors said the ads made reverse...With most reverse mortgages, federal insurance guarantees that borrowers will receive
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
Loan Originator Compensation Requirements Under the Truth in Lending Act (Regulation Z); Prohibition on Financing Credit Insurance Premiums; Delay of Effective Day https://www.consumerfinance.gov/rules-policy/notice-opportunities-comment/archive-closed/loan-originator-compensation-requirements-under-the-truth-in-lending-act-regulation-z-prohibition-on-financing-credit-insurance-premiums-delay-of-effective-day/ ...prohibition on creditors financing credit insurance premiums in......Z); Prohibition on Financing Credit Insurance Premiums; Delay of Effective Day...prohibition on creditors financing credit insurance premiums in connection with certain
I was offered a pension advance. What is this? What should I look out for? https://www.consumerfinance.gov/ask-cfpb/i-was-offered-a-pension-advance-what-is-this-what-should-i-look-out-for-en-1715/ If you’re asked to sign up for life insurance with the pension advance company...require consumers to sign up for life insurance with the company as the consumer’s
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
Prepared Remarks of CFPB Director Rohit Chopra at a White House Convening on Medical Debt https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-of-cfpb-director-rohit-chopra-at-a-white-house-convening-on-medical-debt/ Americans, it can destroy their financial life, too. This isn’t right. Over 100 million...that should have been covered by insurance. The Consumer Financial Protection
You have the right to request your consumer reports https://www.consumerfinance.gov/about-us/blog/you-have-the-right-to-request-your-consumer-reports/ ...employment, tenant, bank, subprime, insurance, medical). New tips on which specialty...specialty consumer reports during important life events and situations, such as when
Issue Spotlight: Medical Billing and Collections Among Older Americans https://www.consumerfinance.gov/data-research/research-reports/issue-spotlight-medical-billing-and-collections-among-older-americans/ ...adults, most of whom have health insurance coverage, are among the millions...though 98 percent of them had health insurance coverage. Nearly 70 percent of these