Whether you live in Bangor, Maine, or Bakersfield, California, your home will be more comfortable and energy efficient with the right insulation. Insulation helps lower the cost of heating and cooling your home.
Attorney, Division of Consumer & Business Education, FTC
You’re about to rent an apartment. You’ve saved for your security deposit and lined up a moving truck. But have you checked your credit report? Landlords may, so you should too. If a landlord does a background check, here are some things to know about your rights.
You dream about buying a house, but you can’t — at least not yet. Maybe you don’t have the money for a down payment, or you’ve had problems with your credit. But what if someone offered you a chance to eventually own the house you’re renting?
You might be told it’s a chance to “stop throwing money away on rent.” But we’ve heard that many people who thought these deals were a path to owning a home watched their dreams disappear instead.
If you’re in the military, your financial decisions can have long-term effects on your family life, security clearance, and mission readiness. In fact, the Department of Defense (DoD) has said that financial readiness is a critical part of the force’s mission readiness. It makes sense: when you know how to manage your money – and how to spot a rip-off – you’re more financially solid. And that helps keep you mission-ready.
On your pharmacy’s shelves, mixed in with conventional over-the-counter medicines, you might find products labeled “homeopathic.” Marketers of traditional homeopathic products claim they effectively treat symptoms, but lack reliable scientific evidence to support their claims.
The FTC enforces the Contact Len Rule, which gives you the right to get your contact lens prescription from your eye doctor – whether you ask for it or not – at no extra charge. This right also is known as the automatic prescription release requirement. It allows you to take your prescription wherever you want – online or to the mall – to shop around and look for the best deal. Periodically, the FTC likes to take a look at all its rules to make sure they are up-to-date, effective, and not overly burdensome.
Many people who don’t have bank accounts rely on prepaid debit cards, which you buy and add money to so you can make purchases and pay bills. But the FTC says thousands of NetSpend prepaid debit card holders had trouble getting access to cash they loaded onto the cards, or to direct deposits from their paychecks or government benefits.
Attorney, Division of Privacy and Identity Protection, FTC
Last month, the FTC hosted a workshop on ransomware, one of the most serious online threats facing people and businesses today — and the most profitable form of malware criminals use. How does ransomware work? Hackers hold your files “hostage”— often encrypting them — then demand payment, typically in bitcoins, for you to get them back.
Missed the workshop? Check out our videos featuring conversations with security researchers, technologists, law enforcers, and business leaders. Want some bite-sized takeaways? Here are some tips to protect your devices from ransomware, and what to do if you’re a victim.
The U.S. population is getting older and more diverse. Who are the consumers of the future? How will scammers try to trick them? On December 6, 2016, consumer groups, advocates, researchers, marketers, and government agencies will gather to explore the demographic changes expected in different communities, and discuss the impact of these changes in the marketplace.
The FTC offers free materials to help people understand money issues. So when teachers from across the country meet annually to improve their own financial literacy, and increase their ability to teach personal finance in school, we’re ready to help.