Library: Spanish | Get Credit for Your Hard Work (2023 Tax Year) (Spanish) Los contribuyentes activos de bajos ingresos pueden calificar para el Crédito Tributario por Ingreso del Trabajo (EITC). The Earned Income Tax Credit (EITC) helps low-income working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2023 tax year (for taxes due in April 2024). Filed Under: Money Management Taxes on Dec 12, 2023

Library: Spanish | Housing Help: Next steps and resources when you’re at risk of foreclosure (Spanish) . This guide can help struggling homeowners avoid foreclosure, or, if foreclosure is imminent, understand their options, rights and next steps. It includes a wide variety of resources, including where to turn for professional advice and guidance. Filed Under: Foreclosure on Jun 30, 2023

Library: Spanish | Investing for Communities of Color: Build generational wealth (Spanish) . For a number of reasons, communities of color invest at lower rates than white people do. But investing is a key component of achieving long-term financial security and building generational wealth. This publication explains the barriers to investing for communities of color, as well as why it’s crucial to start investing now, how to get started (even if you don’t have much to invest) and stay on track, and where to find more information about investing and personal finance. Filed Under: Investing on Apr 19, 2023

Library: Spanish | Investing for Women: Take control of your financial future (Spanish) . Women have some additional challenges to overcome when planning for the future and getting started investing. This publication identifies some of the barriers to investing that women face, explains why women must invest, and offers tips and resources for getting started and managing an investment portfolio wisely. Filed Under: Investing on Feb 14, 2023

Library: Spanish | Investing Basics: Get started putting your money to work for you (Spanish) . Investing is a crucial element of any long-term financial plan. This guide introduces the fundamentals of sound investing, presents key considerations when choosing investments, explains how to open an account, and provides resources to help you learn more. Filed Under: Investing on Feb 07, 2023

Library: Spanish | In Brief: Your rights under the California Consumer Privacy Act (Spanish) . The California Consumer Privacy Act (CCPA) gives residents important rights regarding the personal information that businesses collect about them. This condensed version of our full-length CCPA guide provides an overview of your rights as of Jan. 1, 2023. Filed Under: Privacy Rights on Jan 24, 2023

Library: Spanish | Take action! Exercise your rights under the California Consumer Privacy Act (Spanish) . This guide explains who and what is covered by the California Consumer Privacy Act (CCPA), describes how you can exercise your rights, and offers tips for protecting your personal data. It has been updated to reflect changes in the law that took effect on Jan. 1, 2023. Click here for a condensed version of the guide. Filed Under: Privacy Rights on Jan 24, 2023

Library: Spanish | Smartphone warranties: Understanding and exercising your rights (Spanish) . A smartphone can be a big investment, so it's important to know you'll be protected if you get a device with some sort of defect. This guide explains how smartphone warranties work, why extended warranties and insurance aren't always a good idea, your warranty rights under the law, how to file a claim, and what to do if you're dissatisfied with how your claim is handled. Filed Under: Consumer Rights Telecom on Jan 09, 2023

Library: Spanish | Coronavirus vaccination outreach resources for community-based organizations (Spanish) Cómo hacerle frente al COVID-19. Getting enough people vaccinated to achieve herd immunity is critical to saving lives and enabling the country to recover from the devastation of the pandemic, yet as of July 2021, around half of U.S. adults were still unvaccinated. This guide shares tools and information from trusted sources that will help community-based organizations encourage and communicate about COVID-19 vaccination within their communities. Filed Under: COVID-19 Pandemic Medical/Healthcare on Oct 19, 2021

Library: Spanish | Distinguishing between vaccine fact and fiction (Spanish) Cómo hacerle frente al COVID-19. While many millions of Americans have been safely vaccinated, millions of others have not, with many basing their decision not to get the vaccine on inaccurate or misleading information. This publication counters specific vaccination objections with facts, explains why someone should get vaccinated, gives tips for recognizing and stemming vaccine misinformation/disinformation, and directs readers to resources that can help them get a vaccination. Filed Under: COVID-19 Pandemic Medical/Healthcare on Oct 05, 2021

Library: Spanish | Lifeline and the Affordable Connectivity Program (Spanish) Teléfono e internet con descuento para los hogares de bajos ingresos.
Broadband (high-speed) internet service is essential for conducting the necessary tasks of daily life, including learning and doing homework, telecommuting, looking for a job, banking, and accessing remote health services. This guide introduces the two federal programs that offer discounts on home broadband and wireless data service for qualifying low- and moderate-income households.

PROGRAM UPDATE: Due to a lack of additional funding from Congress, the Affordable Connectivity Program has placed a freeze on new ACP applications and enrollment. Consumers must be approved and enrolled with an internet service provider by 11:59 p.m. ET on Feb. 7 to receive the ACP benefit. Consumers who are enrolled in the ACP will continue to receive their benefit through April 2024. (This is an estimate, and could change.) If Congress decides to provide more funding for the ACP, the FCC will provide further guidance and instructions on how the program will proceed, and Consumer Action will update this message. Learn more here.
Filed Under: Internet Telecom Wireless on Aug 17, 2021

Library: Spanish | Steering clear of pandemic-related scams (Spanish) Cómo hacerle frente al COVID-19. The coronavirus pandemic gave con artists many new opportunities to cheat consumers. This publication highlights some of the most common types of scams related to the pandemic, helps you spot and avoid a scam, and tells you where to report scam attempts. Filed Under: COVID-19 Pandemic Fraud/Scams on Jul 11, 2021

Library: Spanish | Avoid pandemic-related ID theft and account fraud (Spanish) Cómo hacerle frente al COVID-19. Identity thieves and fraudsters have taken advantage of the pandemic to get a hold of consumers’ personally identifying information and use it to steal their benefits, access their accounts and open new accounts in the victims’ names. This publication identifies some of the most prominent pandemic-related schemes consumers should be aware of, offers tips for safeguarding your personal and account data, explains how to detect fraud and ID theft, and outlines the steps to take if you discover you’re a victim. Filed Under: COVID-19 Pandemic Fraud/Scams ID Theft on May 03, 2021

Library: Spanish | Privacy and security when using FinTech apps (Spanish) Comparta datos financieros con precaución. This fact sheet gives FinTech users the knowledge to make wise decisions when choosing and using FinTech apps, take effective steps to keep their financial account data safe, and understand their options if something goes wrong. (Our companion guide, What you need to know about how FinTech apps work, offers an overview of financial technology and what privacy and security considerations users should be aware of before choosing and using digital financial tools.) Filed Under: FinTech Internet Money Management Privacy Rights Technology on Apr 09, 2021

Library: Spanish | What you need to know about how FinTech apps work (Spanish) Comparta datos financieros con precaución. Financial technology can offer attractive benefits for consumers who want to take their personal finances digital. But, like all internet-based tools and services, FinTech apps need to be chosen and used with care. This publication explains the types of FinTech tools available, how they work, and what that means for your data privacy and security. (Our companion guide, Privacy and security when using fintech apps, offers actionable tips for managing and protecting your data.) Filed Under: FinTech Internet Money Management Privacy Rights Technology on Apr 08, 2021

Library: Spanish | The Contact Lens Rule and the Eyeglass Rule (Spanish) Importantes derechos del consumidor sobre el cuidado de la visión. The approximately 75% of U.S. adults who need some type of corrective lenses spend billions of dollars each year on eye exams and eyewear, yet few understand their rights under the federal Contact Lens Rule and Eyeglass Rule. This publication explains those rights, provides links to additional information, and tells you where you can report violations of the rules. Filed Under: Consumer Rights Medical/Healthcare on Jan 28, 2021

Library: Spanish | Establishing or replenishing emergency savings (Spanish) Cómo hacerle frente al COVID-19. Many consumers went into the COVID-19 crisis with little or no savings, while others depleted theirs trying to stay afloat after losing their jobs. This guide covers the purpose of, and target balance for, an emergency fund, what to consider when choosing where to keep your fund, tips and inspiration to help you reach your goal, and a list of some FinTech tools that can help savers get and stay on track. Filed Under: COVID-19 Pandemic Money Management on Dec 29, 2020

Library: Spanish | Telemedicine: What to know about virtual doctor visits (Spanish) Cómo hacerle frente al COVID-19.

The pandemic has driven non-urgent doctor visits online to help suppress the spread of COVID-19. As more people receive medical care remotely, via a smartphone, tablet or computer, it’s important to understand when and how virtual visits might be an option, whether they’re covered under private and government-sponsored health plans, and what privacy issues they raise.

Library: Spanish | Take control: Customizing your social media privacy settings (Spanish) .

This publication explains how to achieve your desired level of privacy on the most popular social media platforms (Facebook, Instagram, LinkedIn, Pinterest, Snapchat, Tumblr, Twitter and YouTube) and provides useful general privacy tips, tools and resources.

Library: Spanish | Personalized privacy: Customizing your Facebook settings (Spanish) . On the world’s largest social network, a prudent approach to privacy is critical. This publication provides detailed instructions for using the various Facebook privacy management tools—both basic and advanced. Filed Under: Internet Privacy Rights on Dec 08, 2020

Library: Spanish | Improving your financial health with FinTech - Video (Spanish) Una guía para principiantes sobre aplicaciones móviles de finanzas personales. This video will introduce you to the types of FinTech tools available and how they can help you. It will also tell you what to consider when choosing an app and how to stay safe when using FinTech. Filed Under: Banking FinTech Internet Technology on Oct 12, 2020

Library: Spanish | Making a job or career transition (Spanish) Cómo hacerle frente al COVID-19.

The coronavirus pandemic has put millions of Americans out of work, with many others reevaluating their job and career choices in light of how different industries are faring. This guide will help workers identify job opportunities, weigh their education and training options, make wise choices, and know where to get more information.

Library: Spanish | Estate planning: Critical decisions for uncertain times (Spanish) Cómo hacerle frente al COVID-19.

The COVID-19 pandemic has driven home the wisdom of making critical end-of-life decisions before a crisis strikes. This publication outlines the key estate planning decisions everyone should make now, explains which documents and tools help ensure that your wishes are carried out, and provides resources for learning more, getting help and taking next steps.

Library: Spanish | Fair housing rights for those affected by the pandemic (Spanish) Cómo hacerle frente al COVID-19.

The federal Fair Housing Act protects rental housing applicants, tenants, homeowners and prospective homebuyers from various forms of discrimination. This publication explains how these same rights may protect you from discrimination related to the COVID-19 pandemic, and the steps to take if you do experience discrimination.

Library: Spanish | Resources for consumers impacted by the COVID-19 outbreak (Spanish) . In response to the coronavirus outbreak, Consumer Action created this guide to inform consumers about public and private resources as they became available to help deal with the economic fallout of the pandemic. Filed Under: Banking COVID-19 Pandemic Fraud/Scams Insurance Medical/Healthcare Mortgages Student Loans Taxes Telecom Tenant Rights on Jun 22, 2020