Consumer Financial Protection Bureau (CFPB)

Consumer Financial Protection Bureau (CFPB) The CFPB works to make sure that consumers have the information they need to make the best financial We're the Consumer Financial Protection Bureau (CFPB), a U.S.

government agency that makes sure banks, lenders, and other financial companies treat you fairly. We work to make markets for consumer financial products and services work for people. We arm people with the information they need to make smart financial decisions, and we protect them from unfair, deceptive, and abusive practices. Above all, this means ensuring that consumers get the information the

government agency that makes sure banks, lenders, and other financial companies treat you fairly. We work to make markets for consumer financial products and services work for people. We arm people with the information they need to make smart financial decisions, and we protect them from unfair, deceptive, and abusive practices. Above all, this means ensuring that consumers get the information the

Operating as usual

We are using our tools and authority ─ through rulemaking, supervision, enforcement, research, and consumer engagement ─...
12/22/2021
Striving for equity | Consumer Financial Protection Bureau

We are using our tools and authority ─ through rulemaking, supervision, enforcement, research, and consumer engagement ─ to protect and fight for fairness for all consumers in financial markets. Learn how we are working to promote racial and economic equity.

We're working to build a stronger nation through racial and economic equity by using all the tools at our disposal as we fight for fairness for all in the financial marketplace.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. ...
12/21/2021
What are some common types of scams? | Consumer Financial Protection Bureau

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. Here are some of the most common types of frauds and scams. Learn what to watch for and what steps to take to keep yourself, your loved ones, and your money safe.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

We have resources and information to help you if you’ve lost your home during the pandemic. We’ll walk you through how t...
12/20/2021
Help if You've Lost Housing | Consumer Financial Protection Bureau

We have resources and information to help you if you’ve lost your home during the pandemic. We’ll walk you through how to:

- Get the free help you’re entitled to.
- Find safe temporary housing.
- Stay on top of bills.
- Keep an eye on your credit.

If you have lost your housing as a result of the pandemic, you're not alone. Help is available.

Holiday shopping season is here. If you’ve done any online shopping recently, many stores are offering payment options t...
12/20/2021
Know before you buy (now, pay later) this holiday season | Consumer Financial Protection Bureau

Holiday shopping season is here. If you’ve done any online shopping recently, many stores are offering payment options that allow to stretch out your purchase over four or fewer payments or installments, which is known as a Buy Now, Pay Later (BNPL) loan. Learn more about BNPL loans before using them for your holiday purchases.

Learn more about Buy Now Pay Later (BNPL) loans before using them for your purchases this holiday season.

By June 2023, the LIBOR indexes that historically have been used to set interest rates for many types of adjustable-rate...
12/19/2021
The LIBOR index for adjustable-rate loans is being discontinued: here's what to watch for | Consumer Financial Protection Bureau

By June 2023, the LIBOR indexes that historically have been used to set interest rates for many types of adjustable-rate loans will be phased out. As financial institutions make the transition to a new interest rate index, we’re setting clear rules to ensure consumers are protected.

If you have an adjustable-rate loan, credit card, or another financial product, here’s what to watch for.

Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. ...
12/18/2021
What are some common types of scams? | Consumer Financial Protection Bureau

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. Here are some of the most common types of frauds and scams. Learn what to watch for and what steps to take to keep yourself, your loved ones, and your money safe.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

As you work to recover from a natural disaster, we’re here to help. You can take important steps toward regaining your f...
12/18/2021
Dealing with disasters and emergencies | Consumer Financial Protection Bureau

As you work to recover from a natural disaster, we’re here to help. You can take important steps toward regaining your financial footing and taking preventative steps for the future. Use our tips and resources to protect your finances or safely send money to those in need.

A guide to handling your finances if you are preparing, recovering or rebuilding from a hurricane, tornado, or other disaster.

The LIBOR index for adjustable-rate loans is being discontinued. For consumers with adjustable-rate mortgages, reverse m...
12/17/2021
The LIBOR index for adjustable-rate loans is being discontinued: here's what to watch for | Consumer Financial Protection Bureau

The LIBOR index for adjustable-rate loans is being discontinued. For consumers with adjustable-rate mortgages, reverse mortgages, student loans, HELOCs, or credit cards, this may mean a change to the way your lenders and loan servicers calculate your interest rate. Learn what you should watch for.

Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. It is i...
12/16/2021
What is a money mule? | Consumer Financial Protection Bureau

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. It is important to stay alert and watch out for the red flags of a money mule scam. Follow these tips to avoid becoming a money mule.

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. Learn how to avoid these scams.

Buy Now, Pay Later (BNPL) loans can be tempting, but it’s important to know they may not have all of the same consumer p...
12/16/2021
Know before you buy (now, pay later) this holiday season | Consumer Financial Protection Bureau

Buy Now, Pay Later (BNPL) loans can be tempting, but it’s important to know they may not have all of the same consumer protections as other forms of credit, and in some cases, you may be tempted to spend more than if you were using other ways to pay. Here are some of the most common risks to be aware of when you’re considering a BNPL loan for your next purchase.

Learn more about Buy Now Pay Later (BNPL) loans before using them for your purchases this holiday season.

Small businesses employ over 1-in-3 working adults in the United States, and create almost twice as many new jobs as lar...
12/15/2021
Shining a Light on Small Business Lending | Consumer Financial Protection Bureau

Small businesses employ over 1-in-3 working adults in the United States, and create almost twice as many new jobs as large businesses.

The American Dream of starting a business has often been a path to prosperity for both entrepreneurs and the communities they serve. But potential entrepreneurs can struggle to access credit at affordable prices.

Learn how we’re shining a light on small business lending.

Starting a business is often a path to building wealth for American families. But sometimes, accessing small business funding opportunities can be a challenge.

Here are the most common types of scams to look out for:-Charity scams-Debt collection scams-Debt settlement and debt re...
12/14/2021
What are some common types of scams? | Consumer Financial Protection Bureau

Here are the most common types of scams to look out for:

-Charity scams
-Debt collection scams
-Debt settlement and debt relief scams
-Foreclosure relief or mortgage loan modification scams
-Grandparent scam
-Imposter scams
-Mail fraud
-Money mule scams
-Mortgage closing scams
-Lottery or prize scams
-Romance scams
-Wire or money transfer fraud

Learn more about each of these scams and the steps you can take to keep your money safe.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

Through our supervision of the financial marketplace, we help families avoid unnecessary hardships and that could result...
12/13/2021
Seven examples of unfair practices and other violations by mortgage servicers: CFPB supervision activities uncover red flags | Consumer Financial Protection Bureau

Through our supervision of the financial marketplace, we help families avoid unnecessary hardships and that could result in financial harm. Our recent report revealed numerous violations of consumer protection laws by mortgage servicers, including laws put in place to help families impacted by the financial crisis.

If you’re still struggling to make your mortgage payments, you’re not alone and you have rights and options. While your mortgage servicer should be working with you to provide all of the repayment options available to you, there are additional resources, if you need them, to help you make the best decision for your situation.

CFPB's supervision activities revealed unfair acts and practices, and other violations, by mortgage servicers. Here's what to be aware of and how to find the resources you need if you're struggling to make your mortgage payments.

If you have a debt in collection, it’s often a challenging time financially. It can also be frightening.The law protects...
12/13/2021

If you have a debt in collection, it’s often a challenging time financially. It can also be frightening.

The law protects you from threats and harassment, and new rules clarify how debt collectors can communicate with you, including:
• what information they’re required to provide about the debt when they begin collection
• your debt collection rights, and
• how you can exercise those rights.

Here are five things to know about these new debt collection rules. https://go.usa.gov/xeyqp

If you have a debt in collection, it’s often a challenging time financially. It can also be frightening.

The law protects you from threats and harassment, and new rules clarify how debt collectors can communicate with you, including:
• what information they’re required to provide about the debt when they begin collection
• your debt collection rights, and
• how you can exercise those rights.

Here are five things to know about these new debt collection rules. https://go.usa.gov/xeyqp

We are using our tools and authority ─ through rulemaking, supervision, enforcement, research, and consumer engagement ─...
12/12/2021
Striving for equity | Consumer Financial Protection Bureau

We are using our tools and authority ─ through rulemaking, supervision, enforcement, research, and consumer engagement ─ to protect and fight for fairness for all consumers in financial markets. Learn how we are working to promote racial and economic equity.

We're working to build a stronger nation through racial and economic equity by using all the tools at our disposal as we fight for fairness for all in the financial marketplace.

The LIBOR index for adjustable-rate loans is being discontinued. For consumers with adjustable-rate mortgages, reverse m...
12/11/2021
The LIBOR index for adjustable-rate loans is being discontinued: here's what to watch for | Consumer Financial Protection Bureau

The LIBOR index for adjustable-rate loans is being discontinued. For consumers with adjustable-rate mortgages, reverse mortgages, student loans, HELOCs, or credit cards, this may mean a change to the way your lenders and loan servicers calculate your interest rate. Learn what you should watch for.

Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.

We have resources and information to help you if you’ve lost your home during the pandemic. We’ll walk you through how t...
12/10/2021
Help if You've Lost Housing | Consumer Financial Protection Bureau

We have resources and information to help you if you’ve lost your home during the pandemic. We’ll walk you through how to:

- Get the free help you’re entitled to.
- Find safe temporary housing.
- Stay on top of bills.
- Keep an eye on your credit.

If you have lost your housing as a result of the pandemic, you're not alone. Help is available.

Here are the most common types of scams to look out for:-Charity scams-Debt collection scams-Debt settlement and debt re...
12/09/2021
What are some common types of scams? | Consumer Financial Protection Bureau

Here are the most common types of scams to look out for:

-Charity scams
-Debt collection scams
-Debt settlement and debt relief scams
-Foreclosure relief or mortgage loan modification scams
-Grandparent scam
-Imposter scams
-Mail fraud
-Money mule scams
-Mortgage closing scams
-Lottery or prize scams
-Romance scams
-Wire or money transfer fraud

Learn more about each of these scams and the steps you can take to keep your money safe.

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

When a debt collector first communicates with you (or shortly thereafter), they’re required to provide certain informati...
12/08/2021

When a debt collector first communicates with you (or shortly thereafter), they’re required to provide certain information about the debt. This information – often provided in a validation notice – generally includes:

• Name and mailing information of the debt collector
• Name of the creditor
• Account number (if any) associated with the debt
• Current amount of the debt
• Other details to help you identify whether the debt is yours and how you can dispute it

Learn more about debt collection validation notices. https://go.usa.gov/xeyqp

When a debt collector first communicates with you (or shortly thereafter), they’re required to provide certain information about the debt. This information – often provided in a validation notice – generally includes:

• Name and mailing information of the debt collector
• Name of the creditor
• Account number (if any) associated with the debt
• Current amount of the debt
• Other details to help you identify whether the debt is yours and how you can dispute it

Learn more about debt collection validation notices. https://go.usa.gov/xeyqp

By June 2023, the LIBOR indexes that historically have been used to set interest rates for many types of adjustable-rate...
12/07/2021
The LIBOR index for adjustable-rate loans is being discontinued: here's what to watch for | Consumer Financial Protection Bureau

By June 2023, the LIBOR indexes that historically have been used to set interest rates for many types of adjustable-rate loans will be phased out. As financial institutions make the transition to a new interest rate index, we’re setting clear rules to ensure consumers are protected.

If you have an adjustable-rate loan, credit card, or another financial product, here’s what to watch for.

Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get bac...
12/06/2021

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get back on your feet. https://go.usa.gov/xFhpH

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get back on your feet. https://go.usa.gov/xFhpH

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. ...
12/06/2021
What are some common types of scams? | Consumer Financial Protection Bureau

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for. Here are some of the most common types of frauds and scams. Learn what to watch for and what steps to take to keep yourself, your loved ones, and your money safe. https://go.usa.gov/xed3V

Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. It is i...
12/05/2021
What is a money mule? | Consumer Financial Protection Bureau

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. It is important to stay alert and watch out for the red flags of a money mule scam. Follow these tips to avoid becoming a money mule. https://go.usa.gov/xed3v

A money mule is someone who knowingly or unknowingly receives and transfers money that comes from fraud victims. Learn how to avoid these scams.

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get bac...
12/04/2021

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get back on your feet. https://go.usa.gov/xFhpH

If you’re having trouble catching up on rent, utilities, or other housing expenses, here are options to help you get back on your feet. https://go.usa.gov/xFhpH

Address

1700 G Street NW
Washington D.C., DC
20552

Telephone

+18554112372

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