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Consumer Rights

Consumer protection laws ensure fair transactions between consumers and businesses. 

If you are in debt, know what you can and cannot do under the Fair Debt Collection Act.  Prevent damage to your credit score, financial health, and peace of mind.  Learn about your rights, identity theft, and potential scams.

Topics

FDIC Consumer Financial Rights

Consumers' financial rights are protected by federal and state laws and regulations covering many services offered by financial institutions. This information will assist you in referring complaints to the proper regulatory agency.

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Federal Trade Commission

Consumer Protection Credit Laws.

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Home Foreclosure, Taxes and Debt Collection

Information about the 2007 debt forgiveness that generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief. 

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Real Estate Settlement Procedures Ac

The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. The purposes of RESPA are to help consumers become better shoppers for settlement services and to eliminate kickbacks and referral fees that unnecessarily increase the costs of certain settlement services.

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Understanding Vehicle Financing

Overviewing options for purchasing a vehicle. 

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CALIFORNIA HOME OWNERS BILL OF RIGHTS

The California Homeowner Bill of Rights became law on January 1, 2013 to ensure fair lending and borrowing practices for California homeowners..................

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Commissioner v. Tufts 461 U.S. 300 (1983)

Held: When a taxpayer sells or disposes of property encumbered by a nonrecourse obligation exceeding the fair market value of the property sold, as in this case, the Commissioner may require him to include in the "amount realized" the outstanding amount of the obligation; the fair market value of the property is irrelevant to this calculation..............

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