Sources and Resources
● A ●
__________________________________________________________
A Consumer’s Guide to Shopping Online at
https://www.consumer.ftc.gov/articles/0020-shopping-online
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 Dream Down Payment Initiative
https://www.hud.gov/sites/documents/20604_BROCHURE.PDF
American Farmland Trust http://www.farmland.org
Annual Credit Report http://www.annualcreditreport.com
Order A Free Annual Credit Report 1-877-322-8228
P.O. Box 105281, Atlanta, GA 30348-5281
Annual Report Request Form:
https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf
Application for Mortgage 1003 http://www.fanniemae.com
Application form 1003 PDF https://singlefamily.fanniemae.com/media/15171/display
Application form 1003 Updated Information https://singlefamily.fanniemae.com/media/15171/display
Association of National Advertisers (ANA) https://www.ana.net/
AUTO - Car Buyer’s Bill of Rights (FFVR 35) new law
https://www.dmv.ca.gov/portal/car-buyers-bill-of-rights-ffvr-35/
AUTO - Dealer Tricks
A1 Car Broker http://www.carbroker.com.au/research/car-dealer-tricks-tactics-scams/
AUTO – Dealer Tricks AWARE http://www.autofinancing101.org/
Auto – Buying A Car | 5 Questions to ask first by The Chevy Dude
https://www.youtube.com/watch?v=7lSbeT0PddE
Auto – Car Loan Contracts. How to read them so you don’t get scammed into paying too much by The Chevy Dude
https://www.youtube.com/watch?v=OxprkLlvQqU
Auto – 9 Fees to never pay a car dealership. Tips on Car Buying. How to negotiate, and how to buy a car by The Chevy Dude.
https://www.youtube.com/watch?v=g53DkNWRgDE
Auto – 5 Car Buying Scams to watch out for by The Chevy Dude.
https://www.youtube.com/watch?v=EPVIA0X0FKM
Auto - New Car Tips https://www.military.com/off-duty/autos/new-cars
Auto - HOW TO AVOID THE TWO NEWEST CAR DEALER SCAMS:
http://www.scambusters.org/cardealer.html
Auto - Smart Tips for Car Financing https://www.military.com/paycheck-chronicles/2016/06/20/10434
Auto Dealer Fraud:
https://www.hg.org/auto-dealer-fraud.html
Auto Dealers Swindle Americans Across U.S.
http://www.citizen.org/documents/AGfs_US.pdf,
Auto Scams – Public Citizen Notifies Government Officials in five state of Auto Dealer Scams.
https://www.citizen.org/news/public-citizen-notifies-government-officials-in-five-states-of-auto-dealer-scams/
Auto Scams - Report Finds Discrimination in Honda Auto Loan Markups:
http://www.consumerfed.org/pdfs/072704_Honda_Loan_Discrimination_Release.pdf
● B ●
__________________________________________________________
Better Business Bureau … BBB Warns that Advance Fee Loan Scams are Proliferating
https://www.bbb.org/article/news-releases/16919-bbb-tip-advance-fee-loan-scams
Better Business Bureau … Identity Theft - File a Complaint
https://www.bbb.org/article/news-releases/16951-bbb-tip-identity-theft
Boost America - Boost Your Credit Score!
https://www.experian.com/consumer-products/score-boost.html
Boy Scouts of America http://www.scouting.org/scoutsource/BoyScouts/AdvancementandAwards/MeritBadges/mb-PERM.aspx
Budget Templet https://templates.office.com/en-US/Family-budget-monthly-TM16410124
Business Loan - SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
Buying a Home: It’s a Big Deal
https://www.ftc.gov/news-events/press-releases/2007/05/buying-home-its-big-deal
● 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 Department of Real Estate - You may file a complaint at
http://www.dre.ca.gov/consumers/filecomplaint.html
Census Bureau, U.S. http://www.census.gov
Center for Economic Policy Research http://www.cepr.net
ChexSystems https://www.chexsystems.com/web/chexsystems/consumerdebit/page/home/!ut/p/z1/04_Sj9CPykssy0xPLMnMz0vMAfIjo8ziDRxdHA1Ngg183AP83QwcXX39LIJDfYwM3M30wwkpiAJJ4wCOBkD9URAlMBP8PUKMgCa4-rgbG3kbugeaoCtAs8LAHKYAtyUFuREGmZ6OigAWLRKn/dz/d5/L2dBISEvZ0FBIS9nQSEh/
Children and Credit - Camp Millionaire https://www.creativewealthintl.org/campmillionaire.php
Children and Credit - Jump$tart Coalition for Personal Financial Literacy https://www.jumpstart.org/
Children and Credit - Junior Achievement https://jausa.ja.org/
Children and Credit - FCIC Federal Citizen Information Center http://www.fdic.gov/consumers/assistance/
Choosing a Credit Counselor
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
Consumer Financial Protection Bureau: www.consumerfinance.gov/learnmore.
Commerce, Department of https://www.commerce.gov/data-and-reports/economic-indicators
Comptroller of the Currency Administrator of National Banks
https://www.occ.treas.gov/
Consumer’s Guide to Protecting your personal information https://www.consumer.ftc.gov/articles/0033c-protection-connection
Consumer Financial Protection Bureau: www.consumerfinance.gov/learnmore
Consumer Financial Protection Bureau – Four Steps you can take if you think your credit or debit card data was hacked https://www.consumerfinance.gov/about-us/blog/four-steps-you-can-take-if-you-think-your-credit-or-debit-card-data-was-hacked/
Consumer Sentinel Records accessible to law enforcement
https://www.ftc.gov/enforcement/consumer-sentinel-network
Consumers’ Guide to online shopping
https://www.consumer.ftc.gov/articles/0041-shopping-online-infographic
Consumers Union / Consumer Reports https://advocacy.consumerreports.org/
Consumer Credit Reporting Agencies Act. California https://leginfo.legislature.ca.gov/faces/codes_displayexpandedbranch.xhtml?lawCode=CIV&division=3.&title=1.6.&part=4.&chapter=2.&article=&goUp=Y
Copy Machine Security – https://www.fraser-ais.com/2019/02/copier-security-risk/
Credit and Your Equal Credit Opportunity Rights
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre01.shtm
Credit Card Act 2009 http://www.govtrack.us/congress/billtext.xpd?bill=h111-627
Credit Card Act 2009 Bands Universal Default http://en.wikipedia.org/wiki/Universal_default
Credit Cards https://www.consumerfinance.gov/consumer-tools/credit-cards/
Credit Card Deceptive Interest Rate Reduction Scams https://www.consumer.ftc.gov/blog/2020/07/deceptive-credit-card-interest-rate-reduction-offer
Credit Scores and Credit Reports California https://oag.ca.gov/consumers/general/credit-scores-credit-reports
Credit-Counseling Firms Lose Tax-Exempt Status
https://www.irs.gov/pub/irs-tege/metestimony3-24-2004.pdf and
http://www.npr.org/templates/story/story.php?storyId=5406174
Credit Discrimination Is Illegal
https://files.consumerfinance.gov/f/documents/cfpb_credit-discrimination-is-illegal_handout_2021-06.pdf
Credit Education http://www.myfico.com/crediteducation What’s in your score http://www.myfico.com/crediteducation/whatsinyourscore.aspx
Credit Freeze – Articles https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs
Credit Freeze - To put a freeze on your credit, visit each of the Credit Reporting Companies http://www.experian.com/consumer/security_freeze.html
https://www.transunion.com/credit-freeze
https://help.equifax.com/s/article/How-do-I-place-temporarily-lift-or-permanently-remove-a-security-freeze
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 (CROA) https://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act
Creditors, How to deal with
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt086.shtm
Credit Whisperer® http://www.creditwhisperer.com
http://www.creditwhisperer.com/register-here.html
http://www.creditwhisperer.com/store/p1/PayForConsulting.html
● D ●
__________________________________________________________
Dark Secrets of Debit https://www.consumerreports.org/cro/2009/07/the-dark-secrets-of-debit/index.htm
Debt Management Plans: Coping with Debt
Debts, Time-Barred http://www.ftc.gov/os/2008/03/P084802fdcpareport.pdf
Debt Collection FAQ’s https://www.consumer.ftc.gov/articles/debt-collection-faqs
Department of Financial Institutions
https://home.treasury.gov/about/offices/domestic-finance/financial-institutions
California https://dfpi.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. https://www.identitytheft.gov/
● E ●
__________________________________________________________
eBay Security Center – Stay Safe from Scammers https://pages.ebay.com/securitycenter/stay_safe.html#before_you_sell
Economic Analysis, Bureau of http://www.bea.gov/
Electronic Fund Transfer Act
https://www.law.cornell.edu/uscode/text/15/1693
Energy, Department of http://www.energy.gov
Equifax http://www.equifax.com
ECOA Equal Credit Opportunity Act
https://www.justice.gov/crt/equal-credit-opportunity-act-3
Escheat Laws Comptroller of the Currency Administrator of National Banks, at https://www.helpwithmybank.gov/get-answers/bank-accounts/inactive-accounts/bank-accounts-inactive-accounts-quesindx.html
Escrow.com - Sell anything using an escrow https://www.escrow.com/index.asp
Experian (New Free Boost Service) https://www.experian.com/consumer-products/score-boost.html
Experian New Chip Theft Scam Will Blow Your Mind
https://www.experian.com/blogs/ask-experian/this-new-chip-theft-scam-will-blow-your-mind/
● F ●
__________________________________________________________
Fair Isaac Corporation (myFICO) http://www.myfico.com
Fair Credit Billing Act – Disputing Credit Card Charges http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm
Fair Credit Reporting Act
http://www.ftc.gov/os/statutes/fcradoc.pdf
The Fair and Accurate Credit Transactions Act of 2003
https://www.ftc.gov/enforcement/statutes/fair-accurate-credit-transactions-act-2003
Fair Credit Reporting Practices Act https://www.ftc.gov/enforcement/statutes/fair-credit-reporting-act
Fair Debt Collection Practices Act http://www.ftc.gov/os/statutes/fdcpajump.shtm
Fair Lending information go to https://www.hud.gov/topics/fair_lending
Fairness and Transparency in the Financial Marketplace https://advocacy.consumerreports.org/issue/money/
Fannie Mae http://www.fanniemae.com
FACTA, The Fair and Accurate Credit Transactions Act:
https://www.ftc.gov/enforcement/statutes/fair
-accurate-credit-transactions-act-2003
FACTA News – Free Credit Reports Rule Helps Consumers Steer Clear https://www.ftc.gov/news-events/press-releases/2010/02/ftc-amends-free-credit-reports-rule-help-consumers-steer-clear
Privacy Rights Clearinghouse
https://www.privacyrights.org/
FBI: Preventing Identity Theft
https://www.fbi.gov/audio-repository/ftw-podcast-preventing-identity-theft-112316.mp3/view
FmHA Farmers Home Administration https://www.gao.gov/products/rced-86-88
FBI Federal Bureau of Investigation http://www.fbi.gov/
FCIC Federal Citizen Information Center https://www.fdic.gov/news/
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
FDIC Federal Consumer Financial Protection Bureau http://www.fdic.gov/regulations/laws/rules/6500-2900.html#fdic65002025FHA Federal Housing Administration https://www.hud.gov/federal_housing_administration
FHA Insured Mortgage Programs go to https://www.hud.gov/program_offices/housing/sfh/ins
FHA Mortgage State Loan Limits https://entp.hud.gov/idapp/html/hicostlook.cfm
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 https://www.usa.gov/federal-agencies/federal-national-mortgage-association-fannie-mae
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/#crnt&panel1-1
FIRREA Financial Institutions Reform, Recovery and Enforcement Act of 1989
https://www.fdic.gov/regulations/laws/rules/8000-3100.html
First-Time Buyers Program https://www.hud.gov/program_offices/housing/sfh/hcc/first_time_homebuyers_1NEW
First-Time Buyers Education Course
https://www.hudexchange.info/programs/housing-counseling/
First-Time Hud Home Buying Guide to:
https://www.hud.gov/sites/documents/1507.PDF
First-Time Buyers Program – Down payment Grants
https://www.fha.com/fhadownpayment-grants
FTC Federal Trade Commission https://www.ftccomplaintassistant.gov/
FTC Federal Trade Commission on Credit and Loans https://www.consumer.ftc.gov/topics/credit-and-loans
FTC Federal Trade Commission - Credit, Debt, and Charge Cards
https://www.consumer.ftc.gov/articles/0332-credit-debit-and-charge-cards
FTC Federal Trade Commission Electronic Code of Federal Regulation (e-CFR) https://www.ecfr.gov/cgi-bin/text-idx?SID=2b1fab8de5438fc52f2a326fc6592874&mc=true&tpl=/ecfrbrowse/Title16/16CIsubchapF.tpl
FTC Federal Trade Commission… Fair Credit Reporting Act http://www.ftc.gov/os/statutes/fcradoc.pdf
FTC Federal Trade Commission - Identity Theft Topics: https://www.consumer.ftc.gov/topics/identity-theft
FTC Federal Trade Commission -Fighting Back Against Identity Theft Bulk Order Publications https://www.bulkorder.ftc.gov/publications?f%5B0%5D=field_campaigns%3A1587
FTC Federal Trade Commission - Identity Theft – A Recovery Plan http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm
FTC Homes & Mortgages
https://www.consumer.ftc.gov/homes
FTC Federal Trade Commission - OnGuard Online https://www.consumer.ftc.gov/features/feature-0038-onguardonline
FTC Recovering From Identity Theft https://www.consumer.ftc.gov/features/feature-0014-identity-theft
Foreclosures.com http://www.foreclosures.com
Fraud Alert - Equifax https://www.equifax.com/personal/education/credit/report/how-to-get-your-free-credit-report/ Fraud Alert 1-888-766-0008 – Order Credit Report 1-800-685-1111
http://www.Equifax.com/FCRA - P.O. Box 740241, Atlanta, GA 30374- 0241 and
Correct Credit Report with Equifax - P.O. Box 105069 Atlanta, GA 30348-5069
Experian http://www.experian.com Fraud Alert https://www.experian.com/fraud/center.html
Order Credit Report 1-888-EXPERIAN (397-3742)
Experian's National Consumer Assistance Center, P.O. Box 4500, Allen, TX 75013
Correct Credit Report with Experian - P.O. Box 105069 Atlanta, GA 30348-5069
TransUnion https://www.transunion.com/customer-support/contact-us-consumers http://www.transunion.com/index.jsp
Security Freeze 1-888-909-8872
Fraud Detection 1-800-493-2392 - Fraud Prevention 1-800-680-7289
Fraud Victim Assistance Division
P.O. Box 2000, Chester, PA 19016
Correct Credit Report with TransUnion - P.O. Box 2000 Chester, PA 19022-2000
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 PDF https://www.hud.gov/sites/documents/40001GAHSGH.PDF
https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
Glossary for Acronyms https://www.hud.gov/program_offices/cfo/afr_fy2012/acronyms
GuideStar http://guidestar.org
● H ●
__________________________________________________________
HAF - Homeowner Assistant Fund by State https://www.ncsha.org/homeowner-assistance-fund/
Home Mortgage Disclosure Act http://www.ffiec.gov/hmda/
Home Ownership Equity Protection Act (HOEPA) Rule
https://files.consumerfinance.gov/f/201305_compliance-guide_home-ownership-and-equity-protection-act-rule.pdf
and Requirements for Certain Mortgages http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001639----000-.html
Housing and Urban Development, Department of www.hud.gov
Housing Finance Discrimination Act (California law) https://www.dfeh.ca.gov/Housing/
Housing Market Report www.marketresearch.com
Housing Policy Handbook
https://www.hud.gov/sites/documents/40001GAHSGH.PDF
How Federal Regulators, Lenders, and Wall Street Created America’s Housing Crisis
https://www.scribd.com/document/45076108/How-Federal-Regulators-Lenders-and-Wall-Street-Caused-the-Housing-Crisis
HUD - American Dream Down Payment Initiative go to: https://www.hud.gov/sites/documents/20604_BROCHURE.PDF
HUD - American Recovery Act of 2009 (ARRA). Check FHA loan limits in your area https://entp.hud.gov/idapp/html/hicostlook.cfm
HUD - File a complaint for Discrimination, go to
https://www.hud.gov/complaints_home
HUD - First-Time Buyers Program https://www.hud.gov/program_offices/housing/sfh/hcc/first_time_homebuyers_1NEW
HUD - Handbook guidelines set for FHA underwriters letters https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee
HUD - The Homeowners Guide to Success
https://www.hudexchange.info/resources/documents/Homeowners-Guide-to-Success.pdf
HUD - Mortgage Limits https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits
HUD - Resources for Individuals https://www.hud.gov/program_offices/administration/grants/grantssrc
HUD - Underwriter’s Guidelines in the Mortgage Credit Analysis for Mortgage Insurance Handbook on One-to-Four-Unit Mortgage Loans (4155.1) https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/4155.1
Hud User, Policy Development and Research Information Service
https://www.huduser.gov/portal/home.html
Hud User Glossary https://www.huduser.gov/portal/glossary/glossary.html
H.R.627 Credit Card Act 2009 http://www.govtrack.us/congress/billtext.xpd?bill=h111-627
● I ●
__________________________________________________________
Identity Theft http://www.ftc.gov/idtheft
(FTC) Fighting Back Against Identity Theft https://www.ftc.gov/faq/consumer-protection/report-identity-theft https://www.identitytheft.gov/
Identity Theft and Assumption Deterrence Act
https://www.ftc.gov/node/119459
Identity Theft - What are Identity Theft and Identity Fraud? - https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud
Independent Community Bankers of America http://www.icba.org/index.cfm
Inman News Service http://www.inman.com
Internal Revenue Service http://www.irs.gov
International Monetary Fund http://www.imf.org
Internet Fraud Alerts https://www.fraud.org/alerts
And file a Complaint https://fraud.org/file-a-complaint/
IRA – Can you uses your IRA to buy a house?
IRA funds without a penalty: https://www.investopedia.com/articles/personal-finance/110415/can-you-use-your-ira-buy-house.asp
Investment Loan - SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
● 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 – How can I get out of Debt? http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm
● L ●
__________________________________________________________
Labor Statistics, Bureau of http://www.bls.gov
Loan Performance, Single-Family Loan Performance Data
http://www.fanniemae.com/portal/funding-the-market/data/loan-performance-data.html
Local Home buying Programs https://www.hud.gov/buying/localbuying
● M ●
__________________________________________________________
Making Home Affordable https://www.makinghomeaffordable.gov
Marshall and Swift The Gold Standard of Building Cost Data – CoreLogic http://www.marshallswift.com
McCabe Research – Investment Newsletter http://www.mccaberesearch.com
Money Camps https://www.wife.org/moneycamps.htm
And https://www.creativewealthintl.org/
Monster, Tips for Avoiding Scams https://www.monster.com/career-advice/article/tips-for-avoiding-scams
Monster, 7 Job-Search Hacks Everyone Should Know https://www.monster.com/career-advice/article/job-search-hacks
Mortgage Application 1003 http://www.fanniemae.com
Mortgage Bankers Association https://www.mba.org/
Mortgage Borrowers’ Rights
https://www.hud.gov/topics/buying_a_home
Mortgage Borrowers’ Rights – Fair Lending Guide PDF https://www.hud.gov/sites/documents/FAIR_LENDING_GUIDE.PDF
Mortgage Programs – FHA Insured https://www.hud.gov/program_offices/housing/sfh/ins
MGIC Mortgage Guaranty Insurance Corporation http://www.mgic.com/
Mortgage Payments – If I can’t pay my Mortgage Loan, what are my options? https://www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/
Mortgages Key Terms
https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
My Bank Tracker https://www.mybanktracker.com/news/chip-cards-safe-from-wireless-thieves
myFICO http://www.myfico.com
My FICO – Credit Checks: What are Credit Inquiries and How do they affect your FICO® Score?
https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries
● N ●
__________________________________________________________
National Association of Family and Consumer Sciences https://www.aafcs.org/home
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 https://www.reit.com/
National Association of Realtors https://www.nar.realtor/
National Business Education Association http://www.nbea.org
National Council on Economics Education https://www.councilforeconed.org/
National Council of Teachers of Mathematics http://www.nctm.org/
National Consumer Law Center https://www.nclc.org/
National Real Estate Investors Association http://www.nationalreia.com
NeighborWorks® America https://www.neighborworks.org/
Negative Credit Can Squeeze a Job Search https://www.hsh.com/pdf/uncle_sam/ftc/alt053.pdf And Background checks
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm
● O ●
__________________________________________________________
OnGuard Online https://www.consumer.ftc.gov/features/feature-0038-onguardonline
Opt Out so you will not receive any unsolicited credit offers https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers download the form and mail it to all three of the Credit Reporting Companies. Or https://www.optoutprescreen.com/?rf=t
● P ●
__________________________________________________________
Passive Income http://en.wikipedia.org/wiki/Passive_income.
Predatory Lending
http://en.wikipedia.org/wiki/Predatory_lending
https://files.hudexchange.info/resources/documents/predatory-lending-housing-counselors-guide.pdf
https://www.hud.gov/program_offices/housing/sfh/hcc/OHC_PREDLEND
https://realestate.findlaw.com/mortgages-equity-loans/predatory-lending.html
http://realestate.findlaw.com/buying-home/buying-home-mortgages-loans/predatory-lending.html
https://studentloanhero.com/featured/predatory-lending-warning-signs
● R ●
__________________________________________________________
Ratios – Debt to Income - Front-end and Back-end
https://www.investopedia.com/terms/f/front-end-debt-to-income-ratio.asp and https://www.investopedia.com/terms/b/back-endratio.asp
Real Estate Journal.com http://www.realestatejournal.com
Real Estate Marketplace Glossary, How to Talk the Talk PDF
https://www.ftc.gov/sites/default/files/documents/one-stops/real-estate-competition/realestateglossary.pdf
Realtor.com http://www.realtors.com
RESPA Real Estate Settlement Procedures Act, Regulation X
https://www.federalreserve.gov/supervisionreg/caletters/CA_15-6_Attach_Reg_X.pdf
https://www.hud.gov/hudprograms/respa
Regulation Z https://www.federalreserve.gov/boarddocs/caletters/2010/1010/10-10-attachment.pdf
Radio Frequency Identifier, RFID Chips https://www.foxnews.com/story/chips-in-official-ids-raise-privacy-fears
● S ●
__________________________________________________________
SAFE ACT -Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), which mandates a nationwide licensing and registration system for residential mortgage loan originators (MLOs). https://files.consumerfinance.gov/f/documents/102012_cfpb_secure-fair-enforcement-for-mortgage-licensing-safe-act_procedures.pdf
Sarbanes-Oxley Act https://www.congress.gov/bill/107th-congress/house-bill/3763
Save Money (It’s Never Too Early – Or Too Late – To Save)
https://www.consumer.ftc.gov/blog/2014/04/nows-time-start-savings-plan
SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
SCORE®, Counselors to America’s Small Business http://www.score.org/
or call (800) 634-0245
Secret Service: Protecting Yourself. What should I do if I think I have been victimized by credit card fraud or identity theft?
https://www.secretservice.gov/about/faqs/Settlement Costs and Helpful Information https://www.hud.gov/sites/documents/DOC_12893.PDF
66 Ways to Save Money
https://www.consumer-action.org/english/articles/66_ways_to_save_money_en
Small Business Loans go to the U.S. Small Business Administration website at http://www.sba.gov or call the SBA’s Answer Desk at (800) 827-5722.
Social Security Administration https://www.ssa.gov/
Social Security Administration/Office of the Inspector General fraud https://www.ssa.gov/fraudreport/oig/public_fraud_reporting/form.htm or https://oig.hhs.gov/
SMSA Standard Metropolitan Statistical Areas
https://www.census.gov/programs-surveys/metro-micro.html
Subprime Mortgage: https://www.consumerfinance.gov/ask-cfpb/what-is-a-subprime-mortgage-en-110/
Summer Jobs http://www.summerjobs.com
● T ●
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ThinkB4UBuy.com http://www.thinkb4ubuy.com
TransUnion https://www.transunion.com/
True Identity https://membership.trueidentity.com/tucm/
Truth in Lending Act
https://www.fdic.gov/regulations/compliance/manual/5/v-1.1.pdf
● U ●
__________________________________________________________
UCLA Anderson Forecast http://www.uclaforecast.com
Uniform Settlement Statement https://www.hud.gov/sites/documents/1.PDF
US Postal Inspection Service https://www.uspis.gov/
US Department of Justice http://www.justice.gov/
US Department of Justice
https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud
U.S. Department of Rural Development https://www.rd.usda.gov/
US Government's Web site for identity theft https://www.consumer.ftc.gov/features/feature-0014-identity-theft
US Government: Identity theft clearinghouse https://www.ftc.gov/enforcement/consumer-sentinel-network
US Government: Uniform Crime Reporting (UCR) https://www.fbi.gov/services/cjis/ucr
US Secret Service: What to do if you're a victim of identity theft
https://www.secretservice.gov/about/faqs/
U.S. Small Business Administration http://www.sba.gov/ or call (800) 827-5722 for information on Small Business Loans.
USAA The USAA Educational Foundation http://www.usaaedfoundation.org/
US Department of Treasury
Troubled Assets Relief Program (TARP) http://www.financialstability.gov
Home Assistance Program https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund
● V ●
__________________________________________________________
Vantage Score® http://www.vantagescore.com.
● W ●
__________________________________________________________
Western Union Consumer Fraud Division https://www.westernunion.com/us/en/fraudawareness/fraud-report-fraud.html
● Y ●
__________________________________________________________
Young Investors - 7 Practical Tips for Young Investors https://www.lifehack.org/articles/money/7-practical-tips-for-young-investors.html
__________________________________________________________
A Consumer’s Guide to Shopping Online at
https://www.consumer.ftc.gov/articles/0020-shopping-online
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 Dream Down Payment Initiative
https://www.hud.gov/sites/documents/20604_BROCHURE.PDF
American Farmland Trust http://www.farmland.org
Annual Credit Report http://www.annualcreditreport.com
Order A Free Annual Credit Report 1-877-322-8228
P.O. Box 105281, Atlanta, GA 30348-5281
Annual Report Request Form:
https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf
Application for Mortgage 1003 http://www.fanniemae.com
Application form 1003 PDF https://singlefamily.fanniemae.com/media/15171/display
Application form 1003 Updated Information https://singlefamily.fanniemae.com/media/15171/display
Association of National Advertisers (ANA) https://www.ana.net/
AUTO - Car Buyer’s Bill of Rights (FFVR 35) new law
https://www.dmv.ca.gov/portal/car-buyers-bill-of-rights-ffvr-35/
AUTO - Dealer Tricks
A1 Car Broker http://www.carbroker.com.au/research/car-dealer-tricks-tactics-scams/
AUTO – Dealer Tricks AWARE http://www.autofinancing101.org/
Auto – Buying A Car | 5 Questions to ask first by The Chevy Dude
https://www.youtube.com/watch?v=7lSbeT0PddE
Auto – Car Loan Contracts. How to read them so you don’t get scammed into paying too much by The Chevy Dude
https://www.youtube.com/watch?v=OxprkLlvQqU
Auto – 9 Fees to never pay a car dealership. Tips on Car Buying. How to negotiate, and how to buy a car by The Chevy Dude.
https://www.youtube.com/watch?v=g53DkNWRgDE
Auto – 5 Car Buying Scams to watch out for by The Chevy Dude.
https://www.youtube.com/watch?v=EPVIA0X0FKM
Auto - New Car Tips https://www.military.com/off-duty/autos/new-cars
Auto - HOW TO AVOID THE TWO NEWEST CAR DEALER SCAMS:
http://www.scambusters.org/cardealer.html
Auto - Smart Tips for Car Financing https://www.military.com/paycheck-chronicles/2016/06/20/10434
Auto Dealer Fraud:
https://www.hg.org/auto-dealer-fraud.html
Auto Dealers Swindle Americans Across U.S.
http://www.citizen.org/documents/AGfs_US.pdf,
Auto Scams – Public Citizen Notifies Government Officials in five state of Auto Dealer Scams.
https://www.citizen.org/news/public-citizen-notifies-government-officials-in-five-states-of-auto-dealer-scams/
Auto Scams - Report Finds Discrimination in Honda Auto Loan Markups:
http://www.consumerfed.org/pdfs/072704_Honda_Loan_Discrimination_Release.pdf
● B ●
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Better Business Bureau … BBB Warns that Advance Fee Loan Scams are Proliferating
https://www.bbb.org/article/news-releases/16919-bbb-tip-advance-fee-loan-scams
Better Business Bureau … Identity Theft - File a Complaint
https://www.bbb.org/article/news-releases/16951-bbb-tip-identity-theft
Boost America - Boost Your Credit Score!
https://www.experian.com/consumer-products/score-boost.html
Boy Scouts of America http://www.scouting.org/scoutsource/BoyScouts/AdvancementandAwards/MeritBadges/mb-PERM.aspx
Budget Templet https://templates.office.com/en-US/Family-budget-monthly-TM16410124
Business Loan - SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
Buying a Home: It’s a Big Deal
https://www.ftc.gov/news-events/press-releases/2007/05/buying-home-its-big-deal
● 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 Department of Real Estate - You may file a complaint at
http://www.dre.ca.gov/consumers/filecomplaint.html
Census Bureau, U.S. http://www.census.gov
Center for Economic Policy Research http://www.cepr.net
ChexSystems https://www.chexsystems.com/web/chexsystems/consumerdebit/page/home/!ut/p/z1/04_Sj9CPykssy0xPLMnMz0vMAfIjo8ziDRxdHA1Ngg183AP83QwcXX39LIJDfYwM3M30wwkpiAJJ4wCOBkD9URAlMBP8PUKMgCa4-rgbG3kbugeaoCtAs8LAHKYAtyUFuREGmZ6OigAWLRKn/dz/d5/L2dBISEvZ0FBIS9nQSEh/
Children and Credit - Camp Millionaire https://www.creativewealthintl.org/campmillionaire.php
Children and Credit - Jump$tart Coalition for Personal Financial Literacy https://www.jumpstart.org/
Children and Credit - Junior Achievement https://jausa.ja.org/
Children and Credit - FCIC Federal Citizen Information Center http://www.fdic.gov/consumers/assistance/
Choosing a Credit Counselor
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
Consumer Financial Protection Bureau: www.consumerfinance.gov/learnmore.
Commerce, Department of https://www.commerce.gov/data-and-reports/economic-indicators
Comptroller of the Currency Administrator of National Banks
https://www.occ.treas.gov/
Consumer’s Guide to Protecting your personal information https://www.consumer.ftc.gov/articles/0033c-protection-connection
Consumer Financial Protection Bureau: www.consumerfinance.gov/learnmore
Consumer Financial Protection Bureau – Four Steps you can take if you think your credit or debit card data was hacked https://www.consumerfinance.gov/about-us/blog/four-steps-you-can-take-if-you-think-your-credit-or-debit-card-data-was-hacked/
Consumer Sentinel Records accessible to law enforcement
https://www.ftc.gov/enforcement/consumer-sentinel-network
Consumers’ Guide to online shopping
https://www.consumer.ftc.gov/articles/0041-shopping-online-infographic
Consumers Union / Consumer Reports https://advocacy.consumerreports.org/
Consumer Credit Reporting Agencies Act. California https://leginfo.legislature.ca.gov/faces/codes_displayexpandedbranch.xhtml?lawCode=CIV&division=3.&title=1.6.&part=4.&chapter=2.&article=&goUp=Y
Copy Machine Security – https://www.fraser-ais.com/2019/02/copier-security-risk/
Credit and Your Equal Credit Opportunity Rights
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre01.shtm
Credit Card Act 2009 http://www.govtrack.us/congress/billtext.xpd?bill=h111-627
Credit Card Act 2009 Bands Universal Default http://en.wikipedia.org/wiki/Universal_default
Credit Cards https://www.consumerfinance.gov/consumer-tools/credit-cards/
Credit Card Deceptive Interest Rate Reduction Scams https://www.consumer.ftc.gov/blog/2020/07/deceptive-credit-card-interest-rate-reduction-offer
Credit Scores and Credit Reports California https://oag.ca.gov/consumers/general/credit-scores-credit-reports
Credit-Counseling Firms Lose Tax-Exempt Status
https://www.irs.gov/pub/irs-tege/metestimony3-24-2004.pdf and
http://www.npr.org/templates/story/story.php?storyId=5406174
Credit Discrimination Is Illegal
https://files.consumerfinance.gov/f/documents/cfpb_credit-discrimination-is-illegal_handout_2021-06.pdf
Credit Education http://www.myfico.com/crediteducation What’s in your score http://www.myfico.com/crediteducation/whatsinyourscore.aspx
Credit Freeze – Articles https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs
Credit Freeze - To put a freeze on your credit, visit each of the Credit Reporting Companies http://www.experian.com/consumer/security_freeze.html
https://www.transunion.com/credit-freeze
https://help.equifax.com/s/article/How-do-I-place-temporarily-lift-or-permanently-remove-a-security-freeze
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 (CROA) https://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act
Creditors, How to deal with
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt086.shtm
Credit Whisperer® http://www.creditwhisperer.com
http://www.creditwhisperer.com/register-here.html
http://www.creditwhisperer.com/store/p1/PayForConsulting.html
● D ●
__________________________________________________________
Dark Secrets of Debit https://www.consumerreports.org/cro/2009/07/the-dark-secrets-of-debit/index.htm
Debt Management Plans: Coping with Debt
Debts, Time-Barred http://www.ftc.gov/os/2008/03/P084802fdcpareport.pdf
Debt Collection FAQ’s https://www.consumer.ftc.gov/articles/debt-collection-faqs
Department of Financial Institutions
https://home.treasury.gov/about/offices/domestic-finance/financial-institutions
California https://dfpi.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. https://www.identitytheft.gov/
● E ●
__________________________________________________________
eBay Security Center – Stay Safe from Scammers https://pages.ebay.com/securitycenter/stay_safe.html#before_you_sell
Economic Analysis, Bureau of http://www.bea.gov/
Electronic Fund Transfer Act
https://www.law.cornell.edu/uscode/text/15/1693
Energy, Department of http://www.energy.gov
Equifax http://www.equifax.com
ECOA Equal Credit Opportunity Act
https://www.justice.gov/crt/equal-credit-opportunity-act-3
Escheat Laws Comptroller of the Currency Administrator of National Banks, at https://www.helpwithmybank.gov/get-answers/bank-accounts/inactive-accounts/bank-accounts-inactive-accounts-quesindx.html
Escrow.com - Sell anything using an escrow https://www.escrow.com/index.asp
Experian (New Free Boost Service) https://www.experian.com/consumer-products/score-boost.html
Experian New Chip Theft Scam Will Blow Your Mind
https://www.experian.com/blogs/ask-experian/this-new-chip-theft-scam-will-blow-your-mind/
● F ●
__________________________________________________________
Fair Isaac Corporation (myFICO) http://www.myfico.com
Fair Credit Billing Act – Disputing Credit Card Charges http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm
Fair Credit Reporting Act
http://www.ftc.gov/os/statutes/fcradoc.pdf
The Fair and Accurate Credit Transactions Act of 2003
https://www.ftc.gov/enforcement/statutes/fair-accurate-credit-transactions-act-2003
Fair Credit Reporting Practices Act https://www.ftc.gov/enforcement/statutes/fair-credit-reporting-act
Fair Debt Collection Practices Act http://www.ftc.gov/os/statutes/fdcpajump.shtm
Fair Lending information go to https://www.hud.gov/topics/fair_lending
Fairness and Transparency in the Financial Marketplace https://advocacy.consumerreports.org/issue/money/
Fannie Mae http://www.fanniemae.com
FACTA, The Fair and Accurate Credit Transactions Act:
https://www.ftc.gov/enforcement/statutes/fair
-accurate-credit-transactions-act-2003
FACTA News – Free Credit Reports Rule Helps Consumers Steer Clear https://www.ftc.gov/news-events/press-releases/2010/02/ftc-amends-free-credit-reports-rule-help-consumers-steer-clear
Privacy Rights Clearinghouse
https://www.privacyrights.org/
FBI: Preventing Identity Theft
https://www.fbi.gov/audio-repository/ftw-podcast-preventing-identity-theft-112316.mp3/view
FmHA Farmers Home Administration https://www.gao.gov/products/rced-86-88
FBI Federal Bureau of Investigation http://www.fbi.gov/
FCIC Federal Citizen Information Center https://www.fdic.gov/news/
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
FDIC Federal Consumer Financial Protection Bureau http://www.fdic.gov/regulations/laws/rules/6500-2900.html#fdic65002025FHA Federal Housing Administration https://www.hud.gov/federal_housing_administration
FHA Insured Mortgage Programs go to https://www.hud.gov/program_offices/housing/sfh/ins
FHA Mortgage State Loan Limits https://entp.hud.gov/idapp/html/hicostlook.cfm
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 https://www.usa.gov/federal-agencies/federal-national-mortgage-association-fannie-mae
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/#crnt&panel1-1
FIRREA Financial Institutions Reform, Recovery and Enforcement Act of 1989
https://www.fdic.gov/regulations/laws/rules/8000-3100.html
First-Time Buyers Program https://www.hud.gov/program_offices/housing/sfh/hcc/first_time_homebuyers_1NEW
First-Time Buyers Education Course
https://www.hudexchange.info/programs/housing-counseling/
First-Time Hud Home Buying Guide to:
https://www.hud.gov/sites/documents/1507.PDF
First-Time Buyers Program – Down payment Grants
https://www.fha.com/fhadownpayment-grants
FTC Federal Trade Commission https://www.ftccomplaintassistant.gov/
FTC Federal Trade Commission on Credit and Loans https://www.consumer.ftc.gov/topics/credit-and-loans
FTC Federal Trade Commission - Credit, Debt, and Charge Cards
https://www.consumer.ftc.gov/articles/0332-credit-debit-and-charge-cards
FTC Federal Trade Commission Electronic Code of Federal Regulation (e-CFR) https://www.ecfr.gov/cgi-bin/text-idx?SID=2b1fab8de5438fc52f2a326fc6592874&mc=true&tpl=/ecfrbrowse/Title16/16CIsubchapF.tpl
FTC Federal Trade Commission… Fair Credit Reporting Act http://www.ftc.gov/os/statutes/fcradoc.pdf
FTC Federal Trade Commission - Identity Theft Topics: https://www.consumer.ftc.gov/topics/identity-theft
FTC Federal Trade Commission -Fighting Back Against Identity Theft Bulk Order Publications https://www.bulkorder.ftc.gov/publications?f%5B0%5D=field_campaigns%3A1587
FTC Federal Trade Commission - Identity Theft – A Recovery Plan http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm
FTC Homes & Mortgages
https://www.consumer.ftc.gov/homes
FTC Federal Trade Commission - OnGuard Online https://www.consumer.ftc.gov/features/feature-0038-onguardonline
FTC Recovering From Identity Theft https://www.consumer.ftc.gov/features/feature-0014-identity-theft
Foreclosures.com http://www.foreclosures.com
Fraud Alert - Equifax https://www.equifax.com/personal/education/credit/report/how-to-get-your-free-credit-report/ Fraud Alert 1-888-766-0008 – Order Credit Report 1-800-685-1111
http://www.Equifax.com/FCRA - P.O. Box 740241, Atlanta, GA 30374- 0241 and
Correct Credit Report with Equifax - P.O. Box 105069 Atlanta, GA 30348-5069
Experian http://www.experian.com Fraud Alert https://www.experian.com/fraud/center.html
Order Credit Report 1-888-EXPERIAN (397-3742)
Experian's National Consumer Assistance Center, P.O. Box 4500, Allen, TX 75013
Correct Credit Report with Experian - P.O. Box 105069 Atlanta, GA 30348-5069
TransUnion https://www.transunion.com/customer-support/contact-us-consumers http://www.transunion.com/index.jsp
Security Freeze 1-888-909-8872
Fraud Detection 1-800-493-2392 - Fraud Prevention 1-800-680-7289
Fraud Victim Assistance Division
P.O. Box 2000, Chester, PA 19016
Correct Credit Report with TransUnion - P.O. Box 2000 Chester, PA 19022-2000
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 PDF https://www.hud.gov/sites/documents/40001GAHSGH.PDF
https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
Glossary for Acronyms https://www.hud.gov/program_offices/cfo/afr_fy2012/acronyms
GuideStar http://guidestar.org
● H ●
__________________________________________________________
HAF - Homeowner Assistant Fund by State https://www.ncsha.org/homeowner-assistance-fund/
Home Mortgage Disclosure Act http://www.ffiec.gov/hmda/
Home Ownership Equity Protection Act (HOEPA) Rule
https://files.consumerfinance.gov/f/201305_compliance-guide_home-ownership-and-equity-protection-act-rule.pdf
and Requirements for Certain Mortgages http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001639----000-.html
Housing and Urban Development, Department of www.hud.gov
Housing Finance Discrimination Act (California law) https://www.dfeh.ca.gov/Housing/
Housing Market Report www.marketresearch.com
Housing Policy Handbook
https://www.hud.gov/sites/documents/40001GAHSGH.PDF
How Federal Regulators, Lenders, and Wall Street Created America’s Housing Crisis
https://www.scribd.com/document/45076108/How-Federal-Regulators-Lenders-and-Wall-Street-Caused-the-Housing-Crisis
HUD - American Dream Down Payment Initiative go to: https://www.hud.gov/sites/documents/20604_BROCHURE.PDF
HUD - American Recovery Act of 2009 (ARRA). Check FHA loan limits in your area https://entp.hud.gov/idapp/html/hicostlook.cfm
HUD - File a complaint for Discrimination, go to
https://www.hud.gov/complaints_home
HUD - First-Time Buyers Program https://www.hud.gov/program_offices/housing/sfh/hcc/first_time_homebuyers_1NEW
HUD - Handbook guidelines set for FHA underwriters letters https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee
HUD - The Homeowners Guide to Success
https://www.hudexchange.info/resources/documents/Homeowners-Guide-to-Success.pdf
HUD - Mortgage Limits https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits
HUD - Resources for Individuals https://www.hud.gov/program_offices/administration/grants/grantssrc
HUD - Underwriter’s Guidelines in the Mortgage Credit Analysis for Mortgage Insurance Handbook on One-to-Four-Unit Mortgage Loans (4155.1) https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/4155.1
Hud User, Policy Development and Research Information Service
https://www.huduser.gov/portal/home.html
Hud User Glossary https://www.huduser.gov/portal/glossary/glossary.html
H.R.627 Credit Card Act 2009 http://www.govtrack.us/congress/billtext.xpd?bill=h111-627
● I ●
__________________________________________________________
Identity Theft http://www.ftc.gov/idtheft
(FTC) Fighting Back Against Identity Theft https://www.ftc.gov/faq/consumer-protection/report-identity-theft https://www.identitytheft.gov/
Identity Theft and Assumption Deterrence Act
https://www.ftc.gov/node/119459
Identity Theft - What are Identity Theft and Identity Fraud? - https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud
Independent Community Bankers of America http://www.icba.org/index.cfm
Inman News Service http://www.inman.com
Internal Revenue Service http://www.irs.gov
International Monetary Fund http://www.imf.org
Internet Fraud Alerts https://www.fraud.org/alerts
And file a Complaint https://fraud.org/file-a-complaint/
IRA – Can you uses your IRA to buy a house?
IRA funds without a penalty: https://www.investopedia.com/articles/personal-finance/110415/can-you-use-your-ira-buy-house.asp
Investment Loan - SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
● 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 – How can I get out of Debt? http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm
● L ●
__________________________________________________________
Labor Statistics, Bureau of http://www.bls.gov
Loan Performance, Single-Family Loan Performance Data
http://www.fanniemae.com/portal/funding-the-market/data/loan-performance-data.html
Local Home buying Programs https://www.hud.gov/buying/localbuying
● M ●
__________________________________________________________
Making Home Affordable https://www.makinghomeaffordable.gov
Marshall and Swift The Gold Standard of Building Cost Data – CoreLogic http://www.marshallswift.com
McCabe Research – Investment Newsletter http://www.mccaberesearch.com
Money Camps https://www.wife.org/moneycamps.htm
And https://www.creativewealthintl.org/
Monster, Tips for Avoiding Scams https://www.monster.com/career-advice/article/tips-for-avoiding-scams
Monster, 7 Job-Search Hacks Everyone Should Know https://www.monster.com/career-advice/article/job-search-hacks
Mortgage Application 1003 http://www.fanniemae.com
Mortgage Bankers Association https://www.mba.org/
Mortgage Borrowers’ Rights
https://www.hud.gov/topics/buying_a_home
Mortgage Borrowers’ Rights – Fair Lending Guide PDF https://www.hud.gov/sites/documents/FAIR_LENDING_GUIDE.PDF
Mortgage Programs – FHA Insured https://www.hud.gov/program_offices/housing/sfh/ins
MGIC Mortgage Guaranty Insurance Corporation http://www.mgic.com/
Mortgage Payments – If I can’t pay my Mortgage Loan, what are my options? https://www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/
Mortgages Key Terms
https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
My Bank Tracker https://www.mybanktracker.com/news/chip-cards-safe-from-wireless-thieves
myFICO http://www.myfico.com
My FICO – Credit Checks: What are Credit Inquiries and How do they affect your FICO® Score?
https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries
● N ●
__________________________________________________________
National Association of Family and Consumer Sciences https://www.aafcs.org/home
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 https://www.reit.com/
National Association of Realtors https://www.nar.realtor/
National Business Education Association http://www.nbea.org
National Council on Economics Education https://www.councilforeconed.org/
National Council of Teachers of Mathematics http://www.nctm.org/
National Consumer Law Center https://www.nclc.org/
National Real Estate Investors Association http://www.nationalreia.com
NeighborWorks® America https://www.neighborworks.org/
Negative Credit Can Squeeze a Job Search https://www.hsh.com/pdf/uncle_sam/ftc/alt053.pdf And Background checks
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm
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OnGuard Online https://www.consumer.ftc.gov/features/feature-0038-onguardonline
Opt Out so you will not receive any unsolicited credit offers https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers download the form and mail it to all three of the Credit Reporting Companies. Or https://www.optoutprescreen.com/?rf=t
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Passive Income http://en.wikipedia.org/wiki/Passive_income.
Predatory Lending
http://en.wikipedia.org/wiki/Predatory_lending
https://files.hudexchange.info/resources/documents/predatory-lending-housing-counselors-guide.pdf
https://www.hud.gov/program_offices/housing/sfh/hcc/OHC_PREDLEND
https://realestate.findlaw.com/mortgages-equity-loans/predatory-lending.html
http://realestate.findlaw.com/buying-home/buying-home-mortgages-loans/predatory-lending.html
https://studentloanhero.com/featured/predatory-lending-warning-signs
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Ratios – Debt to Income - Front-end and Back-end
https://www.investopedia.com/terms/f/front-end-debt-to-income-ratio.asp and https://www.investopedia.com/terms/b/back-endratio.asp
Real Estate Journal.com http://www.realestatejournal.com
Real Estate Marketplace Glossary, How to Talk the Talk PDF
https://www.ftc.gov/sites/default/files/documents/one-stops/real-estate-competition/realestateglossary.pdf
Realtor.com http://www.realtors.com
RESPA Real Estate Settlement Procedures Act, Regulation X
https://www.federalreserve.gov/supervisionreg/caletters/CA_15-6_Attach_Reg_X.pdf
https://www.hud.gov/hudprograms/respa
Regulation Z https://www.federalreserve.gov/boarddocs/caletters/2010/1010/10-10-attachment.pdf
Radio Frequency Identifier, RFID Chips https://www.foxnews.com/story/chips-in-official-ids-raise-privacy-fears
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SAFE ACT -Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), which mandates a nationwide licensing and registration system for residential mortgage loan originators (MLOs). https://files.consumerfinance.gov/f/documents/102012_cfpb_secure-fair-enforcement-for-mortgage-licensing-safe-act_procedures.pdf
Sarbanes-Oxley Act https://www.congress.gov/bill/107th-congress/house-bill/3763
Save Money (It’s Never Too Early – Or Too Late – To Save)
https://www.consumer.ftc.gov/blog/2014/04/nows-time-start-savings-plan
SBA Loan or Investment Loan go to: http://apply.fundwise.com/creditwhisperer
SCORE®, Counselors to America’s Small Business http://www.score.org/
or call (800) 634-0245
Secret Service: Protecting Yourself. What should I do if I think I have been victimized by credit card fraud or identity theft?
https://www.secretservice.gov/about/faqs/Settlement Costs and Helpful Information https://www.hud.gov/sites/documents/DOC_12893.PDF
66 Ways to Save Money
https://www.consumer-action.org/english/articles/66_ways_to_save_money_en
Small Business Loans go to the U.S. Small Business Administration website at http://www.sba.gov or call the SBA’s Answer Desk at (800) 827-5722.
Social Security Administration https://www.ssa.gov/
Social Security Administration/Office of the Inspector General fraud https://www.ssa.gov/fraudreport/oig/public_fraud_reporting/form.htm or https://oig.hhs.gov/
SMSA Standard Metropolitan Statistical Areas
https://www.census.gov/programs-surveys/metro-micro.html
Subprime Mortgage: https://www.consumerfinance.gov/ask-cfpb/what-is-a-subprime-mortgage-en-110/
Summer Jobs http://www.summerjobs.com
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ThinkB4UBuy.com http://www.thinkb4ubuy.com
TransUnion https://www.transunion.com/
True Identity https://membership.trueidentity.com/tucm/
Truth in Lending Act
https://www.fdic.gov/regulations/compliance/manual/5/v-1.1.pdf
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UCLA Anderson Forecast http://www.uclaforecast.com
Uniform Settlement Statement https://www.hud.gov/sites/documents/1.PDF
US Postal Inspection Service https://www.uspis.gov/
US Department of Justice http://www.justice.gov/
US Department of Justice
https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud
U.S. Department of Rural Development https://www.rd.usda.gov/
US Government's Web site for identity theft https://www.consumer.ftc.gov/features/feature-0014-identity-theft
US Government: Identity theft clearinghouse https://www.ftc.gov/enforcement/consumer-sentinel-network
US Government: Uniform Crime Reporting (UCR) https://www.fbi.gov/services/cjis/ucr
US Secret Service: What to do if you're a victim of identity theft
https://www.secretservice.gov/about/faqs/
U.S. Small Business Administration http://www.sba.gov/ or call (800) 827-5722 for information on Small Business Loans.
USAA The USAA Educational Foundation http://www.usaaedfoundation.org/
US Department of Treasury
Troubled Assets Relief Program (TARP) http://www.financialstability.gov
Home Assistance Program https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund
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Vantage Score® http://www.vantagescore.com.
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Western Union Consumer Fraud Division https://www.westernunion.com/us/en/fraudawareness/fraud-report-fraud.html
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Young Investors - 7 Practical Tips for Young Investors https://www.lifehack.org/articles/money/7-practical-tips-for-young-investors.html