Library: English | Questions & Answers About Subprime Lending . This eight-page training guide, written in a question-and-answer format, discusses subprime lending and its pitfalls from a consumer advocacy perspective. The guide covers risk-based pricing of loans, subprime loans, credit scoring, predatory lending, illegal practices, and how consumers can protect themselves and fight back if they become victims. Filed Under: Credit on Apr 01, 2004

Library: English | Talking to Teens about Money - Seminar Lesson Plan Packet . This PDF file provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. Filed Under: Money Management Workshops/Trainings on Nov 10, 2003

Library: English | Talking to Teens about Money - Powerpoint Training Slides . The Talking to Teens about Money Powerpoint training file is available for download in the "Download File" section. Filed Under: Money Management Workshops/Trainings on Nov 10, 2003

Library: English | Q&A About Financing a Car : Leader’s Guide . This Leader's Guide is designed to provide in-depth background on financing an auto purchase. Many consumers with late payments and other credit problems may face increased interest rates on car loans - but this doesn't mean that they should have to accept high-cost loans, unfair terms and deceptive sales pitches. The inforrmation contained in this manual can help staff members and community leaders counsel clients on purchasing and financing an automobile. Filed Under: Cars on Aug 26, 2003

Library: English | Get a Car Loan That's In Your Best Interest. If you are seeking financing for a new or used car, you have many options for financing even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rates on loans available to you. Filed Under: Cars on Aug 26, 2003

Library: English | Telemarketers : Do Not Call A new way to limit unwanted sales calls. Are you tired of unwanted telemarketing calls? Now there is a new government tool to help stop unwanted calls. The National Do Not Call Registry is a free list you can join to limit calls to your home and cell phone for five years. "Telemarketers: Do Not Call!" explains how easy it is to put your name on the registry, what you should expect when you register and how to deal with unwanted telemarketing calls. Filed Under: Telephone on Jul 14, 2003

Library: English | Questions & Answers About Privacy & Your Credit Report . Privacy abuses are on the increase, including credit fraud and identity theft, a fast-growing crime in which an impostor applies for credit under a victim's name. "Questions and Answers about Privacy and Credit Reports" offers in-depth information on privacy and credit reports, bank accounts and marketing as well as new laws designed to help people better control how their personal information is used. Filed Under: Privacy Rights Credit on Jun 24, 2003

Library: English | Privacy and Your Credit Report . Our personal financial information is more easily available and far less secure in the computer age than it was in the days of old-fashioned filing cabinets. "Privacy and Your Credit Report" explains why the information contained in your credit report can, in the wrong hands, be used to abuse your privacy. It also explains how California residents have strong privacy rights with new laws and an office of privacy protection. Filed Under: Privacy Rights Credit on Jun 23, 2003

Library: English | Don’t Fall for the Wrong Call Protect yourself against telemarketing fraud. Telemarketing fraud — using the phone to swindle and cheat — robs U.S. consumers of about $40 billion a year. Don't fall for the wrong call, an 8-page, in-depth guide provides information on common tricks and charitable donation scams used by telemarketers, how to answer sales calls, warning signs of fraud, how to protect yourself from unwanted calls, your rights under the law and how you can sue telemarketers who do not honor your wishes not to be called. The guide also contains a listing of complaint handling agencies and other helpful resources. Filed Under: Fraud/Scams Telephone on Feb 14, 2003

Library: English | Protect Yourself From Identity Theft It's Your Good Name!. A factsheet explaining what identity theft is, how to prevent it, and what to do if you are a victim of identity theft. Filed Under: Privacy Rights Fraud/Scams on Dec 09, 2002