Federal Reserve Consumer Help

New mortgage rules will require lenders, before making a mortgage loan, to look at a consumer's financial information and be sure that the consumer can afford to repay the loan.

Under the Truth in Lending Act, mortgages that exceed a certain interest rate require creditors to 1) obtain an appraisal meeting certain standards, 2) provide applicants notification regarding appraisal use, and 3) give applicants a copy of the written appraisal.

The home buying process can seem complicated, but taking things step-by-step will assist you in holding the keys to your own home.

Español Encuentre consejos útiles para comprar una casa

Review the types and dangers of adjustable rate-mortgages.

Find out about requirements that take effect June 1, 2013 that will require lenders to collect monthly escrow payments for certain mortgages for an extended period of time.

Explains lock-ins or rate locks on mortgages and their advantages to consumers.

Español Obtenga información sobre los bloqueos de tasas en las hipotecas

Information about when to consider refinancing, refinancing options, and how to shop for a new loan.

Starting in January 2014, new rules will protect consumers if a lender offers them a high-cost mortgage.

Get data on the pros and cons of home ownership, including the financial differences between renting and buying and whether refinancing will save you money.

Information about the President's plan to help some homeowners refinance or modify their mortgages so that they can avoid foreclosure.

Español Programa de Modificación Home Affordable

Know your rights when it comes to making payments and how your mortgage servicer manages your account.

Español Conozca sus derechos al pagar su hipoteca

Learn about the Fair Housing Act and Equal Credit Opportunity Act which protects you from mortgage loan discrimination.

Español Discriminación hipotecaria

Find out if the mortgage company with whom you wish to conduct business is licensed in your state.

Resources to help you with the entire mortgage process.

Learn more about a law that establishes homeowners' rights and rules for lenders regarding private mortgage insurance cancellation.

Learn about how to shop, compare and negotiate the terms of your mortgage.

Español Buscando una hipoteca

Describes what is involved in mortgage settlement, including possible charges and cost tips.

Learn how to shop for home equity plans, and advantages and disadvantages of home equity lines of credit.

Provides information to tell you what to do to save your home and how to recognize and avoid foreclosure scams.

Español Cuando pagar la hipoteca es una lucha

Important questions to ask when you talk to a housing counselor about your reverse mortgage options and alternatives.

Español ¿Está pensando en una hipoteca inversa?

Use this portal to obtain information about home equity conversion mortgage programs.

Español Aprenda sobre las hipotecas inversas aseguradas por la FHA

Understand the costs and benefits of reverse mortgages and how to shop for one.

Español Las hipotecas inversas: ¿se adecuan a sus necesidades?

Get help to make informed financial decisions about how to pay for college.

Know how student loan debt works and how to avoid scams.

Español Préstamos estudiantiles y estafas

Describes issues and recommendations in successful lending practices and credit financing for women owners of small businesses.

Simple strategies designed to help you get the most from banking relationships and avoid frauds or scams.

Tips on ways to handle your business' finances, including getting loans, paying for everyday expenses, understanding your rights and responsibilities, and guarding against fraud.

Learn about the programs the Small Business Administration offers to large and small entrepreneurs.

This article delves into the auto finance market. It unpacks the role of dealers, the different types of providers of financing, and the products available to auto buyers. The article also reviews the post-pandemic state of the market and potential consumer risks.

Read tips on buying vs. leasing, negotiating the best deal, financing, getting the most out of warranties and service contracts, using gas efficiently, and avoiding repossession.

Español Comprar y mantener un carro

Understand your vehicle financing and leasing options and which option may be best for you.

Español Comprenda cómo funciona la financiación de vehículos

Understand your rights and responsibilities when leasing a vehicle, including potential costs associated with leasing, as well as details on leasing vs. buying.

Learn how to prepare for getting an auto loan so you can avoid common pitfalls and understand the total cost of an auto loan.

Carefully consider your rights and obligations before co-signing a loan.

Español Información para los cosignatarios de préstamos

Learn about revisions to the Equal Credit Opportunity Act, effective January 2014, that will make it easier for borrowers to review a valuation - an estimate of the home's value - before getting a mortgage loan.

Summarizes the basic provisions of the Equal Credit Opportunity Act.

Español Sus derechos de igualdad de oportunidad de crédito

Understand your rights to financial privacy and what you need to do to exercise those rights.