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“takeThrough multilingual financial education materials, community outreach and grassroots "make your voice heard" advocacy, Consumer Action empowers underrepresented consumers nationwide to assert their rights in the marketplace and financially prosper.

 

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Consumer Action INSIDER - February 2016 The February issue of Consumer Action INSIDER offers information on CFPB activities and class action lawsuits as well as updates on coalition activities (with highlights on our recent work to keep health care competitive, oppose bad changes to the Lifeline phone subsidy program, and fight for postal banking). This month we also give you the rundown on our FY 2015 annual report; tell you how one consumer fought an invalid “credit card minimum” requirement; offer our take on The Big Short movie (in theaters now); and provide advice on building a good credit score and getting the most from the Earned Income Tax Credit (just in time for tax season). ( Monday, February 01, 2016 )

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Recent Publications

A consumer’s guide to ‘chip’ cards (Spanish)

Library: Spanish | A consumer’s guide to ‘chip’ cards (Spanish)  Esta publicación responde a preguntas sobre tarjetas de crédito y débito, explicando por qué está ocurriendo el cambio hacia "tarjetas inteligentes” (con chip), cómo cambiará el proceso al pagar por sus compras, las protecciones para el consumidor y dónde obtener más información sobre las tarjetas con chip. Filed Under: Banking Credit Cards Money Management Prepaid Cards on Feb 04, 2016

A consumer’s guide to choosing a prepaid card (Spanish)

Library: Spanish | A consumer’s guide to choosing a prepaid card (Spanish)  Una tarjeta prepagada con tarifas bajas, características atractivas y que ofrezca fuertes protecciones para el consumidor puede ser una buena opción para muchos consumidores. Esta publicación le informará sobre cómo comparar sus opciones y elegir la tarjeta prepagada que mejor se ajuste a sus necesidades. Filed Under: Banking Credit Cards Money Management Prepaid Cards on Feb 03, 2016

Get Credit for Your Hard Work (2015 Tax Year)

Library: English | Get Credit for Your Hard Work (2015 Tax Year) Low-income working taxpayers may qualify for the federal 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 2015 tax year. Category: Money Management on Jan 14, 2016

Credit Scores in the U.S.

Library: English | Credit Scores in the U.S. A guide for students, immigrants and savvy consumers  Establishing credit and building a good credit score is essential, but it can be challenging for consumers who are new to the process, such as students and immigrants. This publication explains what a credit score is, how it is used, how to find out where you stand and what specific steps you can take to build a credit history or improve your score. Category: Credit Credit Scores on Jan 06, 2016

Put a Lock on It - Protecting your online privacy (Spanish)

Library: Spanish | Put a Lock on It - Protecting your online privacy (Spanish)  Esta hoja informativa le ofrece a usuarios de Internet el conocimiento para que tanto ellos como sus familias se mantengan seguros mientras aprovechan las varias ventajas de Internet. Los temas incluyen cómo asegurar las cuentas de Internet y aplicaciones móviles, seguridad en las compras y operaciones bancarias por computadora o dispositivo móvil, cómo mantener la privacidad en las redes sociales, y cómo evitar contenido y comunicaciones no deseados. Filed Under: Internet Privacy Rights on Dec 04, 2015

When a collector calls: An insider’s guide to responding to debt collectors

Library: English | When a collector calls: An insider’s guide to responding to debt collectors  Millions of consumers are contacted by debt collectors every year. This concise “insider’s” guide to responding to a debt collection call or letter, written with input from an association of collectors, provides tips for communicating effectively with a collector, exercising and protecting your rights and avoiding debt collection scams. Category: Credit Debt Collection on Nov 18, 2015

The Fair Debt Collection Practices Act - How it restricts collectors and protects consumer (Spanish)

Library: Spanish | The Fair Debt Collection Practices Act - How it restricts collectors and protects consumer (Spanish)  Esta guía concisa acerca de la ley sobre el cobro de deudas justo (Fair Debt Collection Practices Act o FDCPA) le informa al consumidor sobre las obligaciones de cobradores; sobre lo que tienen permitido hacer los cobradores; y sobre lo que tienen prohibido hacer los cobradores. También ofrece información sobre cómo conseguir que un cobrador deje de comunicarse con usted; sobre sus opciones cuando un cobrador infringe la ley FDCPA; y dónde obtener más información y ayuda directa. Filed Under: Consumer Rights Credit Debt Collection Money Management on Nov 16, 2015

Debtors’ Rights (Spanish)

Library: Spanish | Debtors’ Rights (Spanish)  Esta guía de 16 páginas ayuda a consumidores que deben dinero a comprender cómo evitar una demanda por el cobro de deudas; cómo funciona el proceso legal si no logran evitar una demanda; cuáles son sus derechos si pierden la demanda; y cómo presentar una queja contra un cobrador de deudas. Filed Under: Consumer Rights Credit Debt Collection Money Management on Nov 16, 2015

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