CFPB

CFPB | Consumer Financial Protection Bureau

The Consumer Finance Protection Bureau (CFPB) was established to give consumers the information they need to understand agreements with financial institutions and protect them from unfair and deceptive practices. Maintaining best compliance practices are a top priority at Ticor, and we work diligently to stay updated with the latest news and changes from the CFPB. New CFPB regulation go into effect on August 1, 2015.

Know before you close.

Unemployment benefits scams: How to protect yourself

Posted:Wednesday April 07, 2021

Scammers are taking advantage of the pandemic and fraudulently filing unemployment claims using stolen personal identity information. If you received a 1099-G tax form for unemployment benefits that you didn’t apply for or receive, you may be a victim of identity theft.

Estafas con beneficios por desempleo: Cómo puede protegerse

Posted:Wednesday April 07, 2021

Existen estafadores que están aprovechándose de la pandemia para introducir de forma fraudulenta, reclamos de beneficios por desempleo, utilizando información personal de identidad robada. Si le llegó una planilla de impuestos 1099-G por beneficios por desempleo que no ha solicitado o recibido, usted podría ser víctima de un robo de identidad.

Mortgage Servicer Communication: Strategies during the COVID-19 pandemic

Posted:Monday April 05, 2021

The COVID-19 pandemic is presenting one of the biggest challenges to the mortgage servicing industry since the Great Recession. There are an estimated 3 million delinquent loans, including more than 2 million loans in long-term forbearance. The Bureau is closely monitoring how servicers are handling the increased volume and emphasizes the importance of good communication especially at a time when so many homeowners are distressed. The Bureau also encourages servicers to use all available tools to reach struggling homeowners.

How we’re helping consumers during Financial Capability Month

Posted:Monday April 05, 2021

April is National Financial Capability Month, and we’re highlighting ways to prevent and recover from financial hardship during the pandemic and future uncertain times.

A complete guide to COVID-19 financial relief

Posted:Friday April 02, 2021

Americans are receiving the third and latest round of financial relief through the Economic Impact Payments (EIP). Yet, millions still haven’t received the first and second payments – and likely won’t receive the third unless they file a 2020 tax return. View our complete guide to the COVID-19 Economic Impact Payments.

The CFPB is here to help consumers facing housing insecurity

Posted:Thursday April 01, 2021

The CFPB was born out of the 2008 financial crisis to protect the economically vulnerable. During COVID-19 and the resulting economic crisis, we’re doubling down on that commitment. Learn how the CFPB is using our tools to protect consumers facing housing insecurity.

Borrowing or lending money to family or friends? Use this worksheet

Posted:Friday March 26, 2021

If you’re sharing money, time, or other resources with family and friends to weather the pandemic, we can help you think through how to work together and reduce strain on your relationships.

Our commitment to protecting vulnerable borrowers

Posted:Tuesday March 23, 2021

The CFPB will use the authority provided by Congress to address consumer harms in the small dollar lending market. The CFPB will do so through vigorous market monitoring, supervision, enforcement, and, if appropriate, rulemaking.

Consumer Advisory: Take action to protect your Economic Impact Payment if your account is overdrawn

Posted:Wednesday March 17, 2021

Take action to get the full benefit of your Economic Impact Payment.

New report highlights housing insecurity and the need for aggressive action

Posted:Monday March 01, 2021

A new CFPB report shows more than 11 million renters and homeowners are behind on their housing payments. Communities of color are disproportionately vulnerable to housing insecurity. Here's what we’re doing to prevent harm to vulnerable consumers.

Making our housing market work better for all Americans

Posted:Tuesday February 23, 2021

In 2020, the CFPB issued new rules to help ensure borrowers can afford the mortgages they take on. To ensure consumers have the options they need, the CFPB will extend the mandatory compliance deadline for the Qualified Mortgage rules until July 1, 2021.

Homeowners have expanded access to protections

Posted:Tuesday February 16, 2021

Homeowners facing hardship from the COVID-19 pandemic have expanded access to protections from the federal government. Learn how you can protect your home.

Break up with online romance scams

Posted:Thursday February 11, 2021

Romance scams can happen to anyone, including those who are looking for connection during the pandemic. Learn how to spot, avoid, and report this type of scam.

Consumers and their experiences to be at the foundation of CFPB policymaking

Posted:Wednesday February 10, 2021

Moving forward, the Division of Consumer Education and External Affairs should redouble its efforts to ensure the Bureau engages all consumers who are economically suffering.

Calling attorneys interested in joining the CFPB

Posted:Tuesday February 09, 2021

The Consumer Financial Protection Bureau is proud to launch an effort to recruit attorneys at all experience levels to join our team.

Get the most out of your tax refund in 2021

Posted:Monday February 08, 2021

Learn why you should file your taxes in 2021, and how the IRS’ “lookback rule” allows you to use 2019 or 2020 income to get the most out of your Earned Income Tax Credit or Child Tax Credit.

Aproveche al máximo su reembolso de impuestos del 2021

Posted:Monday February 08, 2021

Sepa porqué debería declarar sus impuestos en este 2021, y cómo la normativa “revise el pasado” del IRS le permite usar su ingreso del 2019 o del 2020 para recibir los mayores créditos fiscales posibles.

The Bureau is working hard to address housing insecurity, promote racial equity, and protect small businesses’ access to credit

Posted:Thursday February 04, 2021

In furtherance of our mission, I have directed the Division of Research, Markets, and Regulations (RMR) to take some immediate actions, and I want to share my directions publicly.

Los plazos para recibir alivio de hipoteca han sido extendidos

Posted:Tuesday February 02, 2021

Algunos propietarios de vivienda que tengan problemas para pagar su hipoteca ahora tendrían un poco más de tiempo para buscar ayuda.

Struggling during the pandemic? COVID-19 financial relief and protections extended

Posted:Monday February 01, 2021

Financial relief and protections for many student loan borrowers, renters, and homeowners has been extended. Here’s what you need to know.

Know your data: Our updated list of reporting companies

Posted:Friday January 29, 2021

Your consumer reporting records affect your ability to get a loan, a job, an apartment, and other essentials of life. But, do you know where and how to request your consumer reports and what you can do once you order them? Find out in our list of consumer reporting companies!

The Bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable

Posted:Thursday January 28, 2021

Last week, I was honored to have been appointed Acting Director of the CFPB by the President. Having joined the Bureau in 2011, I have seen firsthand the impact of the Bureau’s mission and the incredible work being done by its staff. I know that the Bureau’s staff shares my devotion to the Bureau’s mission, and I look forward to serving in this latest capacity.

New guide helps military families with unique financial challenges

Posted:Wednesday January 27, 2021

Military families face unique financial challenges, especially during the coronavirus pandemic. The new Your Money, Your Goals military guide provides resources to help military families overcome these challenges and improve their financial well-being.

Navigating an early and unexpected retirement during COVID-19

Posted:Wednesday January 27, 2021

Many people are considering early retirement, tapping into their retirement benefits, including Social Security and pensions, earlier than expected. Here are resources to help you weigh your options and to get additional help.

Experiment suggests people pay down debt but keep savings cushion

Posted:Tuesday January 26, 2021

A CFPB-led research experiment suggests that people seek to find balance between paying off debt and having savings.

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