Consumer Action Feature Articles
Overdraft “protection” is when a bank or credit union covers overdrafts on a checking or share draft account. If you spend or withdraw more money than you have in your account, the bank or credit union allows the transaction to go through, but they charge you a fee...more
Credit card tip sheet: Understanding the new rules
In 2010, rules from the Credit Card Accountability Responsibility and Disclosure Act (Credit Card Act), as well as additional Federal Reserve regulations, went into effect to create new credit card consumer protections and disclosure requirements. There have also been changes to how gift cards and bank account overdraft programs work...more
Using gallons per mile to measure fuel efficiency
Miles per gallon (MPG) may not be providing you with the best measure of the fuel efficiency of your car — especially when you are buying a new car and trading in your old one...more
Placing fraud alert on credit file an identity theft prevention tool
Persons who think they have been a victim of identity theft should have a fraud alert placed on their credit file with each of the three national consumer reporting agencies...more
Choosing a credit card: Read the fine print
Credit card features vary from card to card and there are several types of cards to choose from. To get the best deal, compare fees, charges, interest rates and benefits...more
This article provides information on the different types of consumer credit, credit cards, and sources of credit...more
The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act requires debt collectors to treat you fairly and bans certain debt collection practices...more
The Switch from Analog TV to Digital TV
Switching from analog to digital broadcast television is referred to as the digital TV (DTV) transition. Broadcast stations in all U.S. markets are currently broadcasting in both analog and digital...more
Your Rights Under the Food Stamp Program
The Food Stamp Program is the first line of defense against hunger. It helps low-income families buy nutritious food with Electronic Benefits Transfer (EBT) cards. The Program provides support to households in need and to those who are moving from welfare to work...more
At one time or another, most of us have a complaint about a product or service we have paid for. Resolving the situation with the seller can be a challenge. The following suggestions can help you improve your chances of getting a fair resolution to your complaint...more
Do you ever wonder how lenders decide who gets a loan and who doesn't? Ponder why you were turned down for that credit card? Think that you might file for bankruptcy and hope no one will ever know? If so, you need to know more about your credit report, how it works, and how it can affect your financial future....more
It is fraud when a seller of goods or services lies about an important fact or fails to tell the consumer about an important fact. Con artists can commit fraudulent acts against any consumer, but members of some groups are victimized more often than others are....more
Protecting yourself against identity theft
Identity theft has become more and more common. With increased use of the Internet and various scams seeking personal information from you, it is important for you to protect your identity. Serious consequences may result if an unscrupulous person steals your identity....more
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Last update: Wednesday, October 12, 2011
