|
 Choosing
a Credit Card
Describes credit card features and costs,
including information about credit card solicitations and
applications. Provides guidance on how to file a complaint.
ONLINE
|
|
 Consumer
Guide to Check 21 and Substitute Checks
Spanish: Guía del consumidor sobre Check 21 y cheques sustitutos
Describes changes in check processing due to
Check 21 and other check-system improvements.
English:
ONLINE |
PRINTABLE (78 KB PDF)
Spanish:
ONLINE |
PRINTABLE (78 KB PDF)
|
|
 A
Consumer's Guide to Mortgage Lock-Ins
Explains mortgage rate-locks--fees involved, options for setting
terms, loan approval process, and lender rate commitments.
Provides a list of questions to ask your lender and tips to speed
up the approval process.
ONLINE
|
 A
Consumer's Guide to Mortgage Settlement CostsOutlines the fees involved in home purchase
settlement, including mortgage and lender fees, and charges for
establishing and transferring ownership. Provides information on
settlement cost estimates and includes a settlement cost
worksheet.
ONLINE
|
|
 Consumer
Handbook on Adjustable Rate Mortgages
Spanish: Guía para el consumidor sobre
hipotecas a tasa ajustable (ARM)
Identifies the basic features of adjustable rate
mortgages: adjustment periods, interest rate caps, indexes, and
margins. Includes cautions about discounts, payment caps, negative
amortization, and prepayments. Provides a glossary of key terms
and a checklist to compare mortgage lender rates.
English:
ONLINE
Spanish:
ONLINE
|
 Consumer
Handbook to Credit Protection LawsExplains consumer credit laws, how to shop and
apply for credit, how to maintain a good credit rating, how to
dispute unfair credit transactions, and how to resolve billing
errors. Includes a glossary of key terms.
ONLINE
|
 A
Guide to Business Credit for Women, Minorities, and Small
BusinessesReviews the credit application process for small
business loans and steps to take if a loan is denied. Provides
information on the Equal Credit Opportunity Act and gives sources
for assistance in the application process.
ONLINE
|
 Home
MortgagesUnderstanding the Process and Your Right to Fair Lending
Provides guidance on shopping for a home mortgage,
making an application, and understanding your right to fair
lending.
ONLINE
|
 How
to File a Consumer Complaint about a BankSpanish: Cómo puede un consumidor presentar una
queja sobre un banco
Information on the types of complaints that the
Federal Reserve investigates and how to file a complaint. Explains
the major consumer protection laws that protect individuals.
English:
ONLINE
Spanish:
ONLINE
|
 Keys
to Vehicle Leasing: A Consumer GuideSpanish: Consejos para arrendar un vehículo,
Guía del consumidor
Guidance for consumers on leasing a vehicle,
including information on consumer rights, a sample leasing form
explaining costs, and definitions of terms used in vehicle
leasing.
English:
ONLINE
Spanish:
ONLINE
|
 Looking
for the Best Mortgage:
Shop, Compare, NegotiateSpanish: Buscando la hipoteca más favorable:
Compare, Verifique, Negocie
Guidance on identifying mortgage costs, comparing
offers and negotiating the best loan terms. Provides a mortgage
shopping worksheet and glossary of key terms.
English:
ONLINE
Spanish:
ONLINE
|
 Privacy
Choices for Your Personal Financial InformationGuidance on making informed choices about whether
to share personal financial information with financial companies.
Explains the right to opt out of sharing some personal information
and lists the types of personal information that financial
companies can share.
ONLINE |
PRINTABLE (78 KB PDF)
|
|
 Protecting
Yourself from Overdraft and Bounced-Check Fees
Spanish: Protéjase de los cargos por cheques
rebotados y sobregiros
Explains courtesy overdraft-protection, or bounce
coverage, plans, and the costs involved. Provides guidance on how
to avoid overdraft fees.
English:
ONLINE |
PRINTABLE (2.90 MB PDF)
Spanish:
ONLINE |
PRINTABLE (2.90 MB PDF)
|
|
 Putting
Your Home Loan on the Line Is Risky Business
Spanish: Utilizar su hogar como garantía para
un préstamo es arriesgado
Describes how to avoid potential borrowing
pitfalls, including high-cost "predatory" home loans, and provides
tips for getting the best financing deal possible. Includes a
worksheet to use in comparison shopping for a home equity loan.
English:
ONLINE |
PRINTABLE (110 KB PDF)
Spanish:
ONLINE |
PRINTABLE (110 KB PDF) |
|
 A
Series on the Structure of the Federal Reserve System
No. 1: The Board of Governors of the Federal
Reserve System
No. 2: The Federal Open Market Committee
No. 3: The Federal Reserve Banks
No. 4: The Federal Reserve Bank Boards of
Directors
Details the main elements and functions of the
Federal Reserve System.
ONLINE
|
|
 There's
a Lot to Learn about Money Illustrates the importance of budgeting, saving,
and managing money.
PRINTABLE (188 KB PDF)
(On the Federal Reserve Education web site)
|
 What
You Should Know about Home Equity Lines of CreditSpanish: Lo que usted debería saber sobre las
líneas de crédito con garantía hipotecaria
Information on home equity lines of credit;
includes a glossary of terms and a checklist to use in shopping
for a plan.
English:
ONLINE
Spanish:
ONLINE
|
|
 What
You Should Know about Your Checks
Spanish: Lo que usted debería saber sobre sus
cheques
Explains the changes in checking accounts,
Check 21 and substitute checks, and electronic check conversion.
English:
ONLINE |
PRINTABLE (130 KB PDF)
Spanish:
ONLINE |
PRINTABLE (130 KB PDF) |
|
 When
Is Your Check Not a Check? Electronic Check Conversion Spanish: ¿Cuándo no es su cheque un cheque?
Intercambio electrónico de cheques
Explains the electronic check conversion process
and outlines consumer rights.
English:
ONLINE |
PRINTABLE (163 KB PDF)
Spanish:
ONLINE |
PRINTABLE (130 KB PDF)
|
