Consumer Information Blog

Strings attached to some “risk-free” trial offers

Spot a good deal on a skin care product online? Some ads say you can try a product out for free before committing to it. But know this: “free” trials aren’t always free — they might come with hidden fees and other strings attached.

Free trials video

Blog Topics: 
Health & Fitness

1.5 minutes can save you…a heap of trouble!

We’ve all heard the ads saying that 15 minutes can save you 15%. Some ads claim to save you more in even less time. Well, the FTC can save you lots of headaches in about a minute and a half. We recently released new short videos explaining the basics about three topics that affect millions of us.

Identity theft video

Librarians! Get free FTC materials at the ALA Annual Conference

If you’re headed to San Francisco for the American Library Association’s Annual Conference, stop by to say hello. FTC staff will be at Booth # 2413, ready to hand out our materials – all free, all the time – and talk about how to use them in your library.

Blog Topics: 
Money & Credit

Before paying with bitcoins…

If you shop online — and who doesn’t? — you might notice that some websites let you pay with bitcoins. Virtual or crypto currencies like Bitcoin can be a fast way to pay online, or in person with a mobile app.

But using virtual currencies comes with risk. Their value goes up and down — sometimes sharply — depending on demand. In addition, payments made with virtual currencies aren’t reversible and don’t have the same legal protections as some traditional payment methods. Once you hit send, you can’t get your money back unless the seller agrees. That’s why it’s important to know who you’re buying from and what policies they have regarding refunds, returns, and disputes.

Shopping Online with Virtual Currencies

Is a reverse mortgage right for you?

You see the ads on TV, in the newspaper, and online. They push the benefits of a reverse mortgage for homeowners over 62: pay off your existing mortgage, supplement your income, pay for healthcare expenses, and more. But is a reverse mortgage right for you? That depends. While a reverse mortgage may increase your monthly income, it can put your retirement security at risk if you’re not careful.

Blog Topics: 
Homes & Mortgages

Buying a flood-damaged car could leave you high and dry

Recent storms and flooding plaguing the Midwest and Southeast could impact car buyers across the country. Vehicles damaged by floods in those area can be cleaned up and taken out of state for sale. You might not know a vehicle is damaged until you take a closer look or have a mechanic check it out.

Blog Topics: 
Money & Credit

Fortuneteller or financial advisor?

You might like your financial advisor to predict the future in ways that could help you get rich. But legitimate advisors won’t promise to know what comes next – and you shouldn’t invest with anyone who guarantees you riches. It’s kind of a rule of thumb about investing: there are no guarantees, and anyone who promises you big money is likely running a scam.

How Myriam and Pedro Learned about Notario Scams

The newest issue in our series of Spanish-language fotonovelas teaches readers the warning signs of a notario scam and tells them where they can find help with the immigration process.

Blog Topics: 
Money & Credit

Email from OPM – is it the real deal?

You just got an email saying your information was exposed in the OPM data breach. Wondering whether the email is the real deal or not? Here are a few things to look for.

Blog Topics: 
Privacy & Identity

“Doom”ed false promises

Earn rewards for supporting a project you believe in? That’s what “crowdfunding” is all about.

Here’s how it works: “Creators” think of projects. To pay for those projects, they ask for small amounts of money from lots of people, usually through online platforms like Kickstarter or Indiegogo. Often, creators offer rewards to contributors. So far, so good … as long as the creators keep their end of the bargain.

 

Blog Topics: 
Money & Credit

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