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Contacting Families, Friends, and Key Businesses After a Weather Emergency

When disaster strikes, thoughts turn to the welfare of family, friends, and colleagues. Here are several sites to help ease the worry.

Blog Topics: 
Money & Credit

Can the Spam Texts (And Robocalls)

TXT MSG:
U won a FREE gift card!! Go 2 TXMSGSPAM, enter
code $$$ to claim card within 24 hrs.

RU getting the MSG? Recently, the FTC moved to shut down a network of scammers who sent spam texts that promised  “free” gifts, prizes, electronics, or gift cards. The catch? Clicking on the links in the texts sent recipients on a wild goose chase: a confusing and elaborate process that required them to pay for subscription services, apply for credit, or enter sensitive personal information – including their phone numbers. There were no free gifts or gift cards, but there were plenty of follow-up illegal robocalls. 

Prefer Products Born in the USA? Be Sure to Check the Label

As Springsteen’s timeless classic reminds us, patriotism never goes out of style. What’s more, many consumers prefer clothing, cars and other products bearing a label proudly claiming to be “Born in the USA.”

Naturally, we expect “Made in the USA” product claims to be as honest as young George Washington when he copped to chopping down his dad’s cherry tree. Unfortunately, this is not always the case. That’s why the FTC wants you to know there are laws and guidelines to help you understand exactly what you’re buying — particularly if you prefer to “buy American:”

Blog Topics: 
Money & Credit

Don’t Let a Short Sale Keep You From a New Mortgage

If you negotiated a short sale of your home, you may be surprised to learn that some mortgage loan underwriting systems can’t distinguish short sales from foreclosures on consumer reports. And that may keep or delay you from getting a new mortgage.

You see, borrowers who go through a foreclosure typically have to wait seven years before they’re eligible for a new mortgage.  But short sellers may qualify in as little as two years. When you’re trying to buy a new home, an additional five years can seem like a lifetime. So is there anything you can do to improve your financial footing? You bet there is.

Give It a Rest

A mattress that’s better for you, your baby, or the environment? Sounds great, right? The problem is, it might not be true.

picture of a mattress

Blog Topics: 
Money & Credit

What’s on a Clothing Care Label?

You know those labels attached to your clothes that tell you how to wash and care for them? By law, those labels have to be there. The FTC’s Care Labeling Rule requires manufacturers and importers to attach care instructions to garments.This Rule is up for review, and to discuss proposed changes, the FTC will host a public roundtable in Washington, DC, on October 1, 2013.

Blog Topics: 
Money & Credit

Shining a Light on the Consumer Debt Industry

Today, Reilly Dolan, Acting Associate Director, Division of Financial Practices, FTC, testified before the Senate Banking Committee’s Subcommittee on Financial Institutions and Consumer Protection about debt collection.

Blog Topics: 
Money & Credit

Your First Line of Defense

We’re all consumers and information is the first line of defense in the marketplace. Everyone can benefit from amping up their consumer know-how and getting the inside skinny on avoiding scams. That’s true for servicemembers, veterans, and their families, too. And that’s the spirit behind Military Consumer Protection Day, July 17. The FTC, the Department of Defense, the Consumer Financial Protection Bureau, and Military Saves have teamed up for this first ever MCPD to kick off a year-round campaign to empower the military and veteran communities.

MCPD

Pest Control

We’re no fans of creepy little blood-suckers like bed bugs and head lice. We’re also not keen on pest control marketers who say their products prevent or treat these infestations, but can’t back up their claims.

Visit Us at the NCLR Annual Conference in New Orleans

Crescent City or The Big Easy? “Nawlins” or just New Orleans? However you call this beautiful city, my colleagues and I will be there later this week at the National Council of La Raza (NCLR) Annual Conference handing out bilingual materials and chatting with people about being a smart and safe consumer.

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