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 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  
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
GNMA Government National Mortgage Association  http://www.ginniemae.gov/
Glossary for mortgage loan terminology https://www.hud.gov/sites/documents/40001GAHSGH.PDF
 
● H ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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, 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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
OnGuard Online   https://www.consumer.ftc.gov/features/feature-0038-onguardonline
 
● P ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
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 ●
__________________________________________________________
Vantage Score®  http://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
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