Consumer Resource Guide

This page contains a list of publicly accessible consumer resources - helpful online tools launched by the government to help consumers better understand the rules and best practices in the financial services realm. Not only do these resources help consumers, but they can benefit employees in the financial services industry as well.

Addressing Credit Discrimination
Credit discrimination hurts both individual consumers and communities as a whole. It also prevents financial markets from working effectively. Fighting credit discrimination is a top priority of the Consumer Financial Protection Bureau.

Answer and Solutions for Customers of National Banks
Helps you find answers to your National Banking questions. Use the shortcut keywords below to visit the category that interests you, or use the search window located at the top right corner of every page.

Bureau of Consumer Protection Business Center
The Bureau of Consumer Protection has launched a New Business Center that gives business owners, attorneys, and marketing professionals the tools they need to understand and comply with the consumer protection laws, rules, and guides the FTC enforces. The Business Center also provides practical, plain-language guidance about advertising, credit, telemarketing, privacy, and other topics.

CFPB Credit Card Agreement Database
The CFPB maintains a database of credit card agreements from more than 300 card issuers. Using the Credit Card Agreement Database, you can search for an agreement in one of two ways: by the name of the issuer, or by the text within the agreement.

CFPB Compliant Methodology
How to submit a consumer lending complaint to the CFPB.

CFPB Deposit Account Complaint System
The CFPB has begun accepting complaints about various accounts, including checking accounts, savings accounts, CDs and related services. There are 5 complaint categories: opening, closing or managing an account; deposits and withdrawals; using a debit or ATM card; making or receiving payments and sending money to others; and problems related to low account funds.

CFPB Guide to Reverse Mortgages
The CFPB has published a guide that introduces consumers to reverse mortgages. The guide outlines the basics of a reverse mortgages and describes questions and issues that consumers should keep in mind when considering whether a reverse mortgage is right for them.

CFPB Financial Aid Comparison Shopper
The CFPB has introduced the beta version of an online tool, the Financial Aid Comparison Shopper, which helps consumers make informed decisions on student loans, as the next phase of its "Know Before You Owe" project.

CFPB Mortgage Complaint System
The CFPB is accepting mortgage complaints from consumers who have experienced difficulties in the housing market, including problems related to mortgage documents, mortgage servicers, and foreclosure.

CFPB Student Loan Complaint Tool
In the Dodd-Frank Wall Street Reform and Consumer Protection Act, Congress established an Ombudsman for private student loans within the Consumer Financial Protection Bureau to assist borrowers with private student loan complaints. This means a single federal agency is now responsible for watching out for all students and families who choose to borrow private student loans.

CFPB: Consumer Advisory on Data Breach
This short document gives consumers tips and advice on how to monitor their accounts for possible identity theft.

CFPB: New ways to combat harmful debt collection practices
Many collection firms play by the rules and treat consumers fairly, but those that do not can cause financial harm to consumers and undermine the financial marketplace. Banks and other creditors may collect their own debt. They also may sell off debt to third parties. Those third-party debt buyers may collect the debt themselves or sell it off again for collection. Any entity that is subject to the Consumer Financial Protection Act of 2010 is legally required to refrain from committing unfair, deceptive, or abusive acts or practices that would violate the Act.

CFPB: Planning for Retirement Tool
This tool helps consumers estimate the size of their Social Security benefits based on multiple factors, such as age and current income. 

Consumer Compliance Outlook
Offers perspectives on consumer protection.

Consumer’s Guide to Credit Cards

Website that will help consumers understand how they are affected by credit card rules. Two interactive features allow consumers to learn more about terms and fees of credit card offers, and about monthly statement features.

Consumer’s Guide to Credit Reports and Credit Scores
Released by the Federal Reserve, this publication provides information about credit reports, credit scores, and protecting credit histories. It also describes the content of a credit report, explains how a credit score is used, and discusses credit bureau roles.

Credit Freeze FAQs
The FTC has created an FAQ based on consumer concerns about credit freezes and advice on account monitoring, checking free credit reports, and awareness of phishing scams.

Dodd-Frank Update Regulatory Reform Webpage
The Federal Reserve has developed a great website that outlines Dodd-Frank implementation initiatives recently completed by the Fed, and several of the most significant initiatives the Fed expects to address over the coming months.

Electronic Deposit Insurance Estimator
New version of electronic deposit insurance estimator to provide increased functionality and enable banks to customize and integrate it into their websites. Allows coverage calculation for irrevocable trusts and government accounts, and personal and business accounts. Also gives users the ability to calculate coverage for deposit accounts that mature in or after 2014, and includes updated FAQs about deposit insurance, glossary of terms and FDIC contact info.

FDIC Consumer Newsletter
The FDIC's Fall 2014 Consumer Newsletter includes a checklist of questions and suggestions that can help individuals better meet their financial goals. It also includes money-saving tips for safe traveling, common misconceptions about FDIC insurance, help from the FDIC for investigating unfamiliar banks and banking websites, and advice on consumer rights to financial privacy.

FDIC Customer Cybersecurity Guide
This brochure provides information to consumers about cybersecurity threats and practices.

FDIC Deposit Insurance Information
This page contains video and print resources for educating consumers on deposit insurance coverage.

FDIC Quick Guide for Consumers on Credit, Debit, and Prepaid Cards
The FDIC has issued a guide to help consumers understand the differences between debit, credit and prepaid cards. The guide is intended to help consumers, who routinely use cards to pay for goods and services but who don't always understand the differences in how these cards work or the applicable consumer protections.

Federal Reserve FAQs
The Federal Reserve has redesigned and expanded its Current FAQs section of its website. The new Q&As address the Federal Reserve's roles and actions, currency and coin, consumer issues, the banking and financial system, and the economy.

Gift Cards: OCC Provides Tips for Consumers
The OCC has released an advisory to communicate some things about terms and conditions associated with gift cards. The information discusses some of the most important terms and conditions that consumers should understand, and that must be disclosed.

HUD How-To Videos
HUD and the National Association of Realtors (NAR) have unveiled three how-to videos to help prospective homeowners find a home they can afford, shop for a mortgage they can sustain, and what to expect when they go to closing.

Income-Based Student Loan Repayment Plan
The information here describes the Income-Based Repayment (IBR) Plan for federal student loans. It includes the IBR eligibility requirements, the benefits of IBR, an IBR payment calculator, and some examples of how a borrower's monthly student loan payment amount can be reduced under IBR.

Know Your Options
Created by Fannie Mae, this site is an online resource to educate struggling homeowners. It is designed to show all the choices that a struggling homeowner has, and provides interactive first-person video accounts from homeowners and counselors, as well as guidance on how the homeowner can contact and work with their mortgage company to find solutions.

Location Affordability Portal
Housing and transportation costs combine to take up almost half of the average household’s budget. While housing expenditures are usually easy to determine, transportation costs are much less transparent. The Location Affordability Portal seeks to bridge that information gap in order to help consumers, researchers, and policymakers better understand the impact of transportation costs on affordability.

Money Smart for Older Adults
This is an online tool to help educate the elderly and their caregivers on identifying and preventing financial exploitation. Available in both Spanish and English.

My Money
Contains financial information from 21 federal agencies; provides money management tools, including a financial savings calculator, worksheets for establishing a household budget and a college preparation checklist.

NCUA Consumer-Facing Website
NCUA consumer content has been moved to, and consumers who want to learn about credit unions, or need help with their credit union, will have a one-stop, streamlined experience. This site is also available in Spanish.

NCUA Consumer Protection Update: Military Consumers
This installment of NCUA's Consumer Protection Update series provides an overview of the protections provided by the Servicemembers Civil Relief Act and the Military Lending Act. The video also highlights national outreach campaigns like Military Saves Week and Military Consumer Protection Day.

NCUA Translated Website
A Spanish-translated version of the NCUA’s website, in an effort to reach Spanish-speaking consumers with relevant information.

NCUA YouTube Channel
The NCUA's Office of the Chief Economist has released an official YouTube video that is the first in a regular series of videos to inform credit unions and the public about economic developments affecting the credit union industry and the overall economy.

Prevent Loan Scams
Launched as a partnership between HUD and the Loan Modification Scam Prevention Network, this site provides a single destination to report alleged scammers, complaints filed online are added to a national complaint database and forwarded to appropriate law enforcement agencies.

Resources for Victims of Financial Crimes
Website helps consumers, who may have been victims of financial crimes, find the appropriate Federal agency to address their needs.

Settling Your Credit Card Debts
FTC consumer publication which says there is no guarantee that debt settlement companies can persuade a credit card company to accept partial payment of a legitimate debt. Lists additional red flags from companies that promise to settle credit card debt, and discusses practical no-cost and low-cost options for help, including dealing with creditors directly and contacting a credit counselor.

Spanish Version of NCUA Share Insurance Estimator
The NCUA has released a Spanish version of the Share Insurance Estimator, which provides consumers with detailed information about their share insurance coverage in an easy-to-use format.

Student Debt Repayment Assistant
The Consumer Financial Protection Bureau (CFPB) has developed the Student Debt Repayment Assistant – a tool to answer questions about student loans and repayment options.

Student Loan Disclosure
Developed by the CFPB and the Department of Education, this draft shopping sheet (a model financial aid disclosure form) makes costs and risks of student loans clear upfront, before students have enrolled, outlining total estimated student loan debt and monthly loan payments after graduation.

Your Money, Your Goals
An online toolkit provided by the CFPB to help financial institutions educate and better serve low-income customers.