정크 수수료의 숨겨진 비용
구매를 할 때 종종 가장 저렴하게 광고된 가격이 어떤 것인지 살펴봅니다. 그러나 실제 가격에는 정크 수수료가 포함될 수 있습니다. 이러한 수수료의 일반적인 유형에 대해 알아보고 이 수수료가 재정 생활에 어떤 영향을 미치는지 경험을 공유해 주시길 바랍니다.
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The hidden cost of junk fees
When we shop, we often look at the cheapest advertised price. But the true price may include junk fees. Learn the most common types and share how these fees impact your financial life.
El costo oculto de las tarifas inesperadas
Cuando compramos, a menudo miramos el precio anunciado más barato. Pero el precio real puede incluir tarifas inesperadas. Conozca los tipos de tarifas inesperadas más comunes y comparta cómo estos cargos afectan su vida financiera.
التكلفة الخفية للرسوم المفاجئة وغير المتوقعة
عندما نتسوق كثيرا ما نبحث عن أرخص سعر معلن، ولكن السعر الحقيقي قد يتضمن رسوما مفاجئة وغير متوقعة. فتعلـّم عن أكثر أنواع الرسوم المفاجئة وغير المتوقعة شيوعا وشارك آراءك حول مدى تأثير هذه الرسوم على حياتك المالية.
垃圾費的隱含費用
當我們購物時，我們經常會查看最便宜的廣告價格。但實際價格可能包括垃圾費。瞭解最常見的類型並分享這些費用如何影響您的財務生活。
Sự ảnh hưởng của phụ phí ẩn
Khi mua sắm, chúng ta thường tìm giá thấp nhất theo quảng cáo. Nhưng giá thật có thể bao gồm phụ phí. Tìm hiểu các loại phổ biến nhất và chia sẻ mức độ ảnh hưởng của các loại phí này đến tài chính của quý vị.
Know your data: Our updated list of reporting companies
Your consumer reporting data can affect your ability to get a loan, job, or apartment. Learn how to request, review, and freeze your consumer reports.
Don’t let sloppy servicing keep you from benefitting under the PSLF Fix before it expires on October 31, 2022
The PSLF Limited Waiver provides important new benefits to workers in public service until October 31, 2022. Servicers are responsible for helping to navigate the process.
Americans pay $120 billion in credit card interest and fees each year
From 2018 to 2020, the CFPB estimates that Americans paid roughly $120 billion per year in credit card interest and fees. That works out to about $1,000 per year for every American household.
CFPB releases report on diversity and inclusion within financial services
Release of report outlining diversity and inclusion based on public facing data and information reported to the Bureau.
It’s illegal to penalize borrowers for being religious
We’re concerned that some financial companies are unlawfully considering religion when making decisions on financial products. Have you been discriminated against? Submit a complaint to the CFPB.
Our public inquiry on buy now, pay later
Several weeks ago, we issued a market-monitoring inquiry into “buy now, pay later” (BNPL) products and business practices. Now we are inviting anyone interested in this market to submit comments -- including families, small businesses, and international regulators.
Protecting servicemembers from predatory lending
This week CFPB partnered with other agencies to ensure that American servicemembers enjoy the full protections of the Military Lending Act.
Hold credit reporting companies accountable for incorrect reports and shoddy service
Consumers told us how credit reporting errors affect their lives. Here are steps you can take to help hold credit reporting companies accountable.
Making Ends Meet series: Consumer finances during the pandemic
New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.
CFPB is standing up for civil rights protections
This week CFPB partnered with other agencies to oppose a dangerous threat to our nation’s civil rights laws, specifically related to the Equal Credit Opportunity Act, or ECOA.
Know before you buy (now, pay later) this holiday season
Learn more about Buy Now Pay Later (BNPL) loans before using them for your purchases this holiday season.
CFPB calls tech workers to action
The CFPB encourages programmers, data scientists and others with knowledge of the algorithms and technologies used by companies, and who know of potential discrimination or other misconduct within our authority, to report it to the CFPB.
Fall 2021 Rulemaking Agenda
Under the Regulatory Flexibility Act, Federal agencies must publish regulatory agendas twice a year. CFPB participates in the Unified Agenda, which is led by the Office of Management and Budget (OMB).
Seven examples of unfair practices and other violations by mortgage servicers: CFPB supervision activities uncover red flags
CFPB’s supervision activities revealed unfair acts and practices, and other violations, by mortgage servicers. Here’s what to be aware of and how to find the resources you need if you’re struggling to make your mortgage payments.
How Should Regulators Review Bank Mergers?
A new Request for Information will help inform a review of the FDIC and OCC’s Bank Merger Act policies.
The LIBOR index for adjustable-rate loans is being discontinued: here’s what to watch for
Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.
Give us feedback on the draft CFPB Strategic Plan for FY 2022-26
We are inviting CFPB stakeholders to comment on the draft strategic plan for FY 2022 – 2026.
CFPB Ombudsman’s Office 2021 Annual Report
The CFPB Ombudsman’s Office shares its FY2021 Annual Report.
Understand how the CFPB’s Debt Collection Rule impacts you
The CFPB issued rules clarifying how debt collectors can communicate with you. Here are five key things to know about these new debt collection rules.