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Sources and Resources
 
● A ●
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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 Farmland Trust http://www.farmland.org
Annual Credit Report  http://www.annualcreditreport.com
 
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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/tucson/get-consumer-help/complaints/identity-theft-file-a-complaint/
Boost America - Boost Your Credit Score! https://www.experian.com/lp/boost-america.html
Boy Scouts of America http://www.scouting.org/scoutsource/BoyScouts/AdvancementandAwards/MeritBadges/mb-PERM.aspx
Buying a Home: It’s a Big Deal 
https://www.ftc.gov/news-events/press-releases/2007/05/buying-home-its-big-deal
 
● C ●
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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
 
Choosing a Credit Counselor
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
Commerce, Department of  https://www.commerce.gov/data-and-reports/economic-indicators
Comptroller of the Currency Administrator of National Banks, http://www.helpwithmybank.gov/faqs/banking_inactive.html
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
http://www.ftc.gov/sentinel/
Consumers’ Guide to online shopping
https://www.consumer.ftc.gov/articles/0041-shopping-online-infographic
Consumers Union  www.consumerunion.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
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 Cards https://www.consumerfinance.gov/consumer-tools/credit-cards/
Credit Scores and Credit Reports 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  http://www.npr.org/templates/story/story.php?storyId=5406174
Credit Discrimination Is Illegal https://files.consumerfinance.gov/f/documents/201703_cfpb_handout_ECOA_consumers.pdf
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 (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
 
● D ●
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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
http://www.dbo.ca.gov/About_DBO/organization/dfi.asp
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/
DMA Direct Marketing Consumer Association  https://thedma.org/
● E ●
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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
Escrow.com  https://www.escrow.com/index.asp
Experian (New Free Boost Service) http://www.experian.com
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 ●
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Fair Isaac Corporation (myFICO)  http://www.myfico.com
Fair Credit Billing Act   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  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 Practices Act https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text   
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
Privacy Rights Clearinghouse
https://www.privacyrights.org/
FmHA  Farmers Home Administration  https://www.rd.usda.gov/
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
FHA Federal Housing Administration  https://www.hud.gov/federal_housing_administration
FHA Mortgage 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 
FTC consumer complaint assistant https://www.ftccomplaintassistant.gov/Information#crnt
FTC Federal Trade Commission on Credit and Loans https://www.consumer.ftc.gov/topics/credit-and-loans
FTC 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 https://www.ftc.gov/system/files/545a_fair-credit-reporting-act-0918.pdf
FTC Identity Theft – A Recovery Plan https://www.consumer.ftc.gov/articles/pdf-0009_identitytheft_a_recovery_plan.pdf#How
FTC  Recovering From Identity Theft https://www.consumer.ftc.gov/features/feature-0014-identity-theft    
FTC Homes & Mortgages
https://www.consumer.ftc.gov/homes
Foreclosures.com  http://www.foreclosures.com  
FreddieMac  http://www.freddiemac.com
FSBO.com  http://www.fsbo.com
 
● G ●
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GNMA Government National Mortgage Association  http://www.ginniemae.gov/
Glossary for mortgage loan terminology https://www.hud.gov/sites/documents/40001GAHSGH.PDF
 
● H ●
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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 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
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 - File a complaint for Discrimination, go to
https://www.hud.gov/complaints_home
Hud User, Policy Development and Research Information Service http://www.huduser.org/
 
● I ●
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Identity Theft  http://www.ftc.gov/idtheft
Identity Theft and Assumption Deterrence Act 
https://www.ftc.gov/node/119459 
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 Alerts  https://www.fraud.org/alerts
 
● J ●
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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 ●
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Knee Deep in Debt – How can I get out of Debt? http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm
 
● L ●
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Labor Statistics, Bureau of  http://www.bls.gov
Loan Performance, Family http://www.fanniemae.com/portal/funding-the-market/data/loan-performance-data.html
Local Home buying Programs https://www.hud.gov/buying/localbuying
Looks To Good To Be True  http://www.lookstogoodtobetrue.com NO LONGER
 
● M ●
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Marshall and Swift The Gold Standard of Building Cost Data  http://www.marshallswift.com
McCabe Research – Investment Newsletter  http://www.mccaberesearch.com
Money Camp, The  http://www.themoneycamp.com 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 Bankers Association   http://www.mbaa.org/default.htm
Mortgage Borrowers’ Rights  https://www.hud.gov/sites/documents/FAIR_LENDING_GUIDE.PDF
MGIC  Mortgage Guaranty Insurance Corporation  http://www.mgic.com/
myFICO  http://www.myfico.com
Mortgage Payments Sending You Reeling? When Paying the Mortgage is a Struggle. Here’s What to Do  https://www.consumer.ftc.gov/articles/0187-when-paying-mortgage-struggle
 
● N ●
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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 http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm
 
● O ●
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OnGuard Online   https://www.consumer.ftc.gov/features/feature-0038-onguardonline
 
● P ●
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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
 
● R ●
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Real Estate Journal.com   http://www.realestatejournal.com
Real Estate Marketplace Glossary, How to Talk the Talk 
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
Regulation Z   https://www.federalreserve.gov/boarddocs/caletters/2010/1010/10-10-attachment.pdf
 
● S ●
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Sarbanes-Oxley Act at http://legcounsel.house.gov/Comps/Sarbanes-oxley%20Act%20Of%202002.pdf
Save Money (It’s Never Too Early – Or Too Late – To Save)
https://www.consumer.ftc.gov/articles/0498-its-never-too-early-or-too-late-save
SCORE®, Counselors to America’s Small Business http://www.score.org/
Scotsman Guide... "Keeping the Industry Honest" 
https://www.scotsmanguide.com/Residential/Articles/2007/01/Keeping-the-Industry-Honest/
Secured Credit Card Marketing Scams  https://www.consumer.ftc.gov/
66 Ways to Save Money
https://www.wfm.noaa.gov/workplace/LivingOffYourPaycheck_66WaysToSaveMoney_Handout_1.pdf
Social Security Administration/Office of the Inspector General fraud https://www.ssa.gov/fraudreport/oig/public_fraud_reporting/form.htm
SMSA  Standard Metropolitan Statistical Areas 
https://www.census.gov/programs-surveys/metro-micro.html
Summer Jobs http://www.summerjobs.com
● T ●
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TransUnion  http://www.transunion.com/index.jsp
True Identity https://membership.trueidentity.com/tucm/
Truth in Lending Act
https://www.fdic.gov/regulations/compliance/manual/5/v-1.1.pdf
 
● U ●
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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 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
http://www.ftc.gov/sentinel/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 http://www.financialstability.gov
 
● V ●
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Vantage Score®  http://vantagescore.com
 
● W ●
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 Western Union Consumer Fraud Division  https://www.westernunion.com/us/en/fraudawareness/fraud-report-fraud.html
 
● Y ●
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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
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We are not attorneys. We do not give legal advice or guidance. We can only provide legal document preparation at your specific direction. We use Judicial forms that are available to the general public and accepted by all California courts. We assist you, our community, with your legal needs when you decide you do not want the representation of an attorney. All content is for informational purposes.