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CFPB Finds Hundreds of Thousands of Mortgages in Southeast and Central Southwest US Likely Underinsured Against Flood Risk

https://www.consumerfinance.gov/about-us/newsroom/cfpb-finds-hundreds-of-thousands-of-mortgages-in-southeast-and-central-southwest-us-likely-underinsured-against-flood-risk/

...homeowners with a mortgage are adequately insured against flooding based on location...homeowners with a mortgage are adequately insured against flooding based both on location...areas were most likely to have flood insurance and generally had higher incomes

How does paying down a mortgage work?

https://www.consumerfinance.gov/ask-cfpb/how-does-paying-down-a-mortgage-work-en-1943/

...additional amounts for taxes and insurance. The part of your payment that goes...interest payment does not change over the life of your loan, but the amounts that go

How to decide how much to spend on your down payment

https://www.consumerfinance.gov/about-us/blog/how-decide-how-much-spend-your-down-payment/

...will pay in interest and fees over the life of the loan. According to the National...putting 20 percent down Mortgage insurance If you want to buy a home but can’t

CFPB and New York Department of Financial Services Sue Pension Advance Companies for Deceiving Consumers About Loan Costs

https://www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-department-of-financial-services-sue-pension-advance-companies-for-deceiving-consumers-about-loan-costs/

...home equity lines. Charges for life insurance and other fees also applied. The

What is an FHA loan?

https://www.consumerfinance.gov/ask-cfpb/what-is-an-fha-loan-en-112/

...(FHA) administers a program of loan insurance to expand homeownership opportunities...opportunities. FHA provides mortgage insurance to FHA-approved lenders to protect these...(FHA) administers a program of loan insurance to expand homeownership opportunities...opportunities. FHA provides mortgage insurance to FHA-approved lenders to protect these

CFPB Proposes “Know Before You Owe” Mortgage Forms

https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-proposes-know-before-you-owe-mortgage-forms/

...likely the biggest purchase of their life, consumers should be looking at paperwork...and loan amount might change over the life of the loan, including the highest they

CFPB Provides Guidance About Private Mortgage Insurance Cancellation and Termination

https://www.consumerfinance.gov/about-us/newsroom/cfpb-provides-guidance-about-private-mortgage-insurance-cancellation-and-termination/

Provides Guidance About Private Mortgage Insurance Cancellation and Termination AUG...and termination of private mortgage insurance. The bulletin explains certain requirements

On a mortgage, what’s the difference between my principal and interest payment and my total monthly payment?

https://www.consumerfinance.gov/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/

...like homeowners insurance, taxes, and possibly mortgage insurance....like homeowners insurance, taxes, and possibly mortgage insurance. The principal...other things, such as homeowners insurance and taxes that may be held in an

Written Testimony of Rohit Chopra before the Committee on the Budget

https://www.consumerfinance.gov/about-us/newsroom/written-testimony-of-rohit-chopra-before-the-committee-on-the-budget/

...net assets over a borrower’s working life, including a loss of nearly $135,000...lead to substantial savings over the life of the loan. 42 While the vast majority

Safely sending money to loved ones in conflict areas

https://www.consumerfinance.gov/about-us/blog/safely-sending-money-to-loved-ones-in-conflict-areas/

...emergencies or reconstruct your financial life after a disaster. Join the conversation...Consumer advisory: Take action when home insurance is cancelled or costs surge AUG 30

Prepared Remarks of CFPB Director Richard Cordray at the Financial Services Roundtable Event on Financial Education

https://www.consumerfinance.gov/about-us/newsroom/prepared-remarks-of-cfpb-director-richard-cordray-at-the-financial-services-roundtable-event-on-financial-education/

...almost everyone lost part of their life savings. As we emerge from those tough...many consumers from various walks of life at important times in their financial

Am I required to get my auto loan through a dealership?

https://www.consumerfinance.gov/ask-cfpb/am-i-required-to-get-my-auto-loan-through-a-dealership-en-791/

...introduced to the dealer’s finance and insurance (F&I) department to discuss financing...in fact, you may save money over the life of your loan if you get preapprovals

CFPB Releases Exam Procedures for Consumer Reporting Market

https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-releases-exam-procedures-for-consumer-reporting-market/

...a significant role in a consumer’s life. It can dictate whether or not a consumer...premiums for auto and homeowners insurance or to make employment decisions.

Keeping junk fees away from workers’ unemployment benefits

https://www.consumerfinance.gov/about-us/blog/keeping-junk-fees-away-from-workers-unemployment-benefits/

...prepaid debit cards for unemployment insurance payments....recently released a revised Unemployment Insurance Program Letter to clarify how state...deliver these benefits. Unemployment insurance is a lifeline for millions of Americans

What do I do if my house was damaged or destroyed, or if I’m unable to make my payment after a disaster?

https://www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-my-house-was-damaged-or-destroyed-or-if-im-unable-to-make-my-payment-after-a-disaster-en-1521/

...get help. Start by contacting your insurance company to file a claim....get help. Start by contacting your insurance company to file a claim. What steps...in a disaster. Step 1: Call your insurance company to file a claim. Step 2:

Preventing financial exploitation on World Elder Abuse Awareness Day

https://www.consumerfinance.gov/about-us/blog/preventing-financial-exploitation-world-elder-abuse-awareness-day/

...older adult at a vulnerable stage of life. Financial exploitation can negatively...collaboration with the Federal Deposit Insurance Corporation (FDIC). MSOA is an instructor-led

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/full-report/

Issue Spotlight Analysis of Deposit Insurance Coverage on Funds Stored Through...services outside of their federally insured bank or credit union accounts. Indeed

Agencies Issue Final Rule on Minimum Requirements for Appraisal Management Companies

https://www.consumerfinance.gov/about-us/newsroom/agencies-issue-final-rule-on-minimum-requirements-for-appraisal-management-companies/

Federal Reserve System Federal Deposit Insurance Corporation Consumer......Federal Reserve System Federal Deposit Insurance Corporation Consumer Financial Protection...An AMC that is a subsidiary of an insured depository institution and is regulated

What should I do if I have a reverse mortgage loan and I can’t pay my property taxes or homeowners insurance?

https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-i-have-a-reverse-mortgage-and-i-cant-pay-my-property-taxes-or-insurance-en-1509/

...your property taxes or homeowners insurance, look for help right away. Home Equity...your property taxes and homeowners insurance. Failure to pay either may lead to...pay my property taxes or homeowners insurance? English Español If you can’t pay...your property taxes or homeowners insurance, look for help right away. Home Equity

Employee Administrative Records

https://www.consumerfinance.gov/privacy/system-records-notices/employee-administrative-records/

...resources, time and attendance, leave, insurance, tax, retirement and other employee...data, such as health, life, travel, and disability insurance information; (7) retirement