Sources and Resources

^{Back to Credit Whisperer® home page}

^{● A ●}

^{__________________________________________________________}

^{A Consumer’s Guide to E-PAYMENTS” at}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/tech/tec01.shtm}

^{Advance-Fee Loan Scams}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm}

^{Alliance for Investor Education http://www.investoreducation.org}

^{American Bankruptcy Institute http://www.abiworld.org}

^{American Farmland Trust http://www.farmland.org}

^{Annual Credit Report http://www.annualcreditreport.com}

^{● B ●}

^{__________________________________________________________}

^{Better Business Bureau … BBB Warns that Advance Fee Loan Scams are Proliferating http://www.bbb.org/us/article/ftc--the-truth-about-advance-fee-loan-scams-4689}

^{Better Business Bureau … Identity Theft - File a Complaint}

^{http://www.bbbonline.org/idtheft/complaint.asp}

^{Boy Scouts of America http://www.scouting.org/scoutsource/BoyScouts/AdvancementandAwards/MeritBadges/mb-PERM.aspx}

^{Buying a Home: It’s a Big Deal http://www.ftc.gov/bc/edu/pubs/consumer/alerts/zalt001.shtm}

^{● C ●}

^{__________________________________________________________}

^{California Assembly Bill No. 489 (2001)}

^{http://www.leginfo.ca.gov/pub/01-02/bill/asm/ab_0451-0500/ab_489_bill_20011011_chaptered.pdf}

^{California Consumer Credit information http://www.corp.ca.gov/FSD/credit.asp}

^{California Department of Corporation – Nonprofit Community Service Organizations}

^{http://www.corp.ca.gov/pub/pdf/ccrpt.pdf}

^{California Department of Real Estate - You may also file a complaint at}

^{http://www.dre.cahwnet.gov/cons_complaint.html}

^{Census Bureau, U.S. http://www.census.gov}

^{Center for Economic Policy Research http://www.cepr.net}

^{Choosing a Credit Counselor}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm}

^{Commerce, Department of http://www.commerce.gov}

Comptroller of the Currency Administrator of National Banks, http://www.helpwithmybank.gov/faqs/banking_inactive.html

^{Consumer Sentinel Records accessible to law enforcement}

^{http://www.ftc.gov/sentinel/}

^{Consumers’ Guide to E-Payments}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/tech/tec01.shtm}

^{Consumers Union www.consumerunion.org}

^{Consumer Credit Reporting Act. California http://www.privacy.ca.gov/ccra.htm}

^{Credit-Counseling Firms Lose Tax-Exempt Status http://www.npr.org/templates/story/story.php?storyId=5406174}

^{Credit and Your Consumer Rights}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre01.shtm}

^{Credit Education}

^{http://www.myfico.com/CreditEducation/?%20fire=1}

^{Credit Power Educational Foundation, Inc. http://www.CreditPower4All.org}

^{Credit Repair – Self Help May be the Best}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm}

^{Credit Repair Organizations Act}

^{http://www.ftc.gov/os/statutes/croa/croa.shtm}

^{Creditors, How to deal with}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt086.shtm}

^{Credit Power Educational Foundation www.creditpower4all.org}

^{● D ●}

^{__________________________________________________________}

^{Data Quick Information Systems http://www.dataquick.com}

^{Debit Card Tips http://www.consumersunion.org/finance/debit-tips.htm}

^{Debt Management Plans: A Must-Do List http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre38.shtm}

^{Debts, Time-Barred http://www.ftc.gov/os/2008/03/P084802fdcpareport.pdf}

^{Department of Financial Institutions}

^{http://www.dfi.ca.gov/}

^{Dispute the unauthorized accounts as soon as possible with a written "ID Theft Affidavit" you will find on the Federal Trade Commission’s (FTC) website. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf}

^{DMA Direct Marketing Consumer Association http://www.the-dma.org/index.php}

^{● E ●}

^{__________________________________________________________}

^{Ebay Security Center http://pages.ebay.com/securitycenter/mrkt_safety.html}

^{Economic Analysis, Bureau of http://www.bea.gov/}

^{Electronic Fund Transfer Act}

^{http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001693----000-.html}

^{Energy, Department of http://www.energy.gov}

^{Equifax http://www.equifax.com}

^{ECOA Equal Credit Opportunity Act}

^{http://www.justice.gov/crt/housing/documents/ecoafulltext_5-1-06.php}

^{Escrow.com https://www.escrow.com/index.asp}

^{Experian http://www.experian.com}

^{● F ●}

^{__________________________________________________________}

^{Fair Isaac Corporation http://www.myfico.com}

^{Fair Credit Billing Act http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm}

^{The Fair Credit Reporting Act}

^{http://www.ftc.gov/os/statutes/fcradoc.pdf}

^{The Fair and Accurate Credit Transactions Act of 2003 http://thomas.loc.gov/cgi-bin/bdquery/z?d108:HR02622:|TOM:/bss/d108query.html|}

^{Fair Credit Reporting Practices Act http://www.ftc.gov/os/statutes/fdcpajump.shtm}

^{Fair Debt Collection http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm}

^{Fair Lending information go to http://www.hud.gov/offices/fheo/lending/}

^{Fannie Mae http://www.fanniemae.com}

^{FACTA, The Fair and Accurate Credit Transactions Act:}

^{Privacy Rights Clearinghouse}

^{http://www.privacyrights.org/fs/fs6a-facta.htm}

^{http://www.privacyrights.org/fs/fs6a-facta.htm#13}

^{FmHA Farmers Home Administration http://www.rurdev.usda.gov/}

^{FBI Federal Bureau of Investigation http://www.fbi.gov/}

^{FCIC Federal Citizen Information Center http://www.fdic.gov/consumers/consumer/news/cnspr08/}

^{FDIC Federal Deposit Insurance Corporation http://www.fdic.gov}

^{FDIC Federal Deposit Insurance Corporation Improvement Act of 1991}

^{http://www.fdic.gov/regulations/laws/rules/8000-2400.html}

^{FHA Federal Housing Administration http://www.fha.gov/}

^{FHA Mortgage Limits https://entp.hud.gov/idapp/html/hicostlook.cfm}

^{FHLB Federal Home Loan Bank System http://www.fhlbanks.com/}

^{FHLMC Federal Home Loan Mortgage Corporation http://www.freddiemac.com/}

^{Federal Home Loan Mortgage Corporation Act http://www.freddiemac.com/governance/pdf/charter.pdf}

^{Federal Housing Enterprise Oversight, Office of http://www.fhfa.gov/}

^{Federal Information Center http://www.pueblo.gsa.gov}

^{FNMA Federal National Mortgage Association http://www.fanniemae.com/index.jhtml}

^{FOMA Federal Open Market Committee http://www.federalreserve.gov/monetarypolicy/fomc.htm}

^{Federal Reserve http://www.federalreserve.gov}

^{Fill out a Complaint Input Form on the Federal Trade Commission's (FTC) website immediately. https://www.ftccomplaintassistant.gov/}

^{FIRREA Financial Institutions Reform, Recovery and Enforcement Act of 1989 http://www.orea.ca.gov/html/fed_laws.shtml}

^{FTC consumer complaint form https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en}

^{FTC Federal Trade Commission on Credit http://www.ftc.gov/credit}

^{FTC Federal Trade Commission Rules & Acts}

^{http://www.ftc.gov/os/statutes/fcrajump.shtm}

^{FTC Federal Trade Commission… Fair Credit Reporting Act}

^{http://www.ftc.gov/os/statutes/fcrajump.shtm}

^{FTC Fighting Back Against Identity Theft http://www.ftc.gov/bcp/edu/microsites/idtheft/}

^{FTC Credit & Loans. Mortgages / Real Estate}

^{http://www.ftc.gov/bcp/menus/consumer/credit/mortgage.shtm}

^{FTC Take Charge PDF INSTRUCTIONAL DOCUMENT}

^{http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm#How}

^{Foreclosures.com http://www.foreclosures.com}

^{FreddieMac http://www.freddiemac.com}

^{FSBO.com http://www.fsbo.com}

^{● G ●}

^{__________________________________________________________}

^{GNMA Government National Mortgage Association http://www.ginniemae.gov/}

Glossary for mortgage loan terminology http://www.hud.gov/offices/hsg/sfh/buying/glossary.cfm

^{Gold and Platinum Cards Warning http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre20.shtm}

^{GuideStar.org …New Credit/Debit Card Scam}

^{http://www.guidestar.org/news/features/credit_scam.jsp}

^{● H ●}

^{__________________________________________________________}

^{Home Mortgage Disclosure Act http://www.ffiec.gov/hmda/}

^{Home Ownership Equity Protection Act http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001639----000-.html}

^{Homeownership Promotion http://www.icba.org/tools/index.cfm?ItemNumber=1536}

^{Housing and Urban Development, Department of www.hud.gov}

^{Housing Finance Discrimination Act (California law) http://www.dfi.ca.gov/lawsregs/calregs.asp}

^{Housing Market Report www.marketresearch.com}

^{How Federal Regulators, Lenders, and Wall Street Created America’s Housing Crisis}

^{http://www.moneyandmarkets.com/files/documents/Housing_White_Paper.pdf}

^{HUD - File a complaint for Discrimination, go to}

^{http://www.hud.gov/complaints/housediscrim.cfm}

^{Hud User, Policy Development and Research Information Service http://www.huduser.org/}

^{● I ●}

^{__________________________________________________________}

^{Identity Theft http://www.ftc.gov/idtheft and http://www.ftc.gov/bcp/edu/microsites/idtheft/}

^{Identity Theft and Assumption Deterrence Act http://www.ftc.gov/os/statutes/itada/itadact.htm also http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001601----000-.html}

^{Independent Community Bankers of America http://www.icba.org/index.cfm}

^{Inman News Service http://www.inman.com}

^{Inrealty http://www.inrealty.com}

^{Internal Revenue Service http://www.irs.gov}

^{International Monetary Fund http://www.imf.org}

^{Internet Fraud Tips http://www.fraud.org/tips/internet/fakecheck.htm}

^{● J ●}

^{__________________________________________________________}

^{Joint Center for Housing Studies http://www.jchs.harvard.edu/}

^{Journal of Real Estate Research http://www.aresnet.org}

^{Jump$tart Coalition for Personal Financial Literacy http://www.jumpstartcoalition.org}

^{Junior Achievement http://www.ja.org/}

^{● K ●}

^{__________________________________________________________}

^{Knee Deep in Debt http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm}

^{● L ●}

^{__________________________________________________________}

^{Labor Statistics, Bureau of http://www.bls.gov}

^{Loan Performance http://www.firstamres.com/products/loanperformance.jsp}

^{Local Home buying Programs} http://www.hud.gov/buying/localbuying.cfm

^{Looks To Good To Be True http://www.lookstogoodtobetrue.com}

^{● M ●}

^{__________________________________________________________}

^{Marshall and Swift http://www.marshallswift.com}

^{McCabe Research http://www.mccaberesearch.com}

^{Money Camp, The http://www.themoneycamp.com}

^{Monster, Tips for Save Job Search http://help.monster.com/besafe/}

^{Mortgage Bankers Association http://www.mbaa.org/default.htm}

^{Mortgage Borrowers’ Rights http://www.hud.gov/offices/hsg/ramh/res/resborwr.cfm}

^{MGIC Mortgage Guaranty Insurance Corporation http://www.mgic.com/}

^{myFICO http://www.myfico.com}

^{Mortgage Payments Sending You Reeling? Here’s What to Do http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm}

^{● N ●}

^{__________________________________________________________}

^{National Association of Family and Consumer Sciences http://www.aafcs.org/fcs/pages/more.html}

^{National Association of Exclusive Buyer Agents http://www.naeba.org}

^{National Association of Home Builders http://www.nahb.org}

^{National Association of Real Estate Investment Trusts http://www.nareit.com}

^{National Association of Realtors http://www.realtors.org; http://www.realtors.com}

^{National Business Education Association http://www.nbea.org}

^{National Council on Economics Education http://www.ncee.net}

^{National Council of Teachers of Mathematics http://www.nctm.org/}

^{National Consumer Law Center http://www.consumerlaw.org}

^{National Real Estate Investors Association http://www.nationalreia.com}

^{NeighborWorks® America http://www.nw.org/network/home.asp}

^{Negative Credit Can Squeeze a Job Search http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm}

^{● O ●}

^{__________________________________________________________}

^{OnGuard Online http://onguardonline.gov/idtheft.html}

^{● P ●}

^{__________________________________________________________}

^{Predatory Lending
http://en.wikipedia.org/wiki/Predatory_lending}

^{http://portal.hud.gov/portal/page/portal/HUD/topics/fair_lending}

^{http://www.hud.gov/offices/hsg/sfh/pred/predlend.cfm}

^{http://realestate.findlaw.com/buying-home/buying-home-mortgages-loans/predatory-lending.html}

^{● R ●}

^{__________________________________________________________}

^{Real Estate Journal.com http://www.realestatejournal.com}

^{Real Estate Marketplace Glossary, How to Talk the Talk http://www.ftc.gov/bc/realestate/resources/realestateglossary.pdf}

^{RESPA Real Estate Settlement Procedures Act http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm}

^{Regulation Z http://www.fdic.gov/regulations/laws/rules/6500-1400.html}

^{● S ●}

^{__________________________________________________________}

^{Sarbanes-Oxley Act at http://www.sec.gov/about/laws/soa2002.pdf}

^{SCORE®, Counselors to America’s Small Business http://www.score.org/}

^{Scotsman Guide... "Keeping the Industry Honest" http://www.scotsmanguide.com/default.asp?ID=1883}

^{Secured Credit Card Marketing Scams http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre25.shtm}

66 Ways to Save Money ^{http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen14.shtm}

^{Social Security Administration/Office of the Inspector General fraud Web site http://www.oig.hotline@ssa.gov/}

^{SMSA Standard Metropolitan Statistical Areas http://www.census.gov/population/www/estimates/aboutmetro.html}

^{Summer Jobs http://www.summerjobs.com}

^{● T ●}

^{__________________________________________________________}

^{TransUnion http://www.transunion.com/index.jsp}

^{Truth in Lending Act}

^{http://www.fdic.gov/regulations/laws/rules/6500-200.html}

^{● U ●}

^{__________________________________________________________}

^{UCLA Anderson Forecast http://www.uclaforecast.com}

^{Uniform Settlement Statement http://www.hud.gov/offices/hsg/ramh/res/resp2603.cfm}

US Postal Inspection Service https://postalinspectors.uspis.gov/

^{US Department of Justice http://www.justice.gov/}

^{US Government's Web site for identity theft http://www.ftc.gov/bcp/edu/microsites/idtheft/}

^{US Government: Identity theft clearinghouse http://www.ftc.gov/sentinel/}

^{US Government: Know Fraud Program http://www.fbi.gov/publications/financial/fcs_report2006/financial_crime_2006.htm#Identity}

^{US Secret Service: What to do if you're a victim of identity theft http://www.secretservice.gov/faq.shtml}

^{U.S. Small Business Administration http://www.sba.gov/ or call (800) 827-5722 for information on Small Business Loans.}

^{USSA The USSA Educational Foundation http://www.usaaedfoundation.org/}

^{US Department of Treasury} http://www.financialstability.gov and http://www.treas.gov/initiatives/eesa/

^{● V ●}

^{__________________________________________________________}

^{Vantage Score® http://vantagescore.com}

^{● W ●}

^{__________________________________________________________}

^{Western Union Consumer Fraud Division http://www.westernunion.com/WUCOMWEB/staticMid.do?method=load&pagename=fraudProtectYourself}

^{● Y ●}

^{__________________________________________________________}

^{Young Investor http://www.younginvestor.com}

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