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What is predatory lending?
Predatory lending is the practice of preying on, or taking advantage of, an individual or group of people that may have a difficult time buying or refinancing a home such as people who may be poor, uneducated, elderly, or in a protected class. Under the Fair Housing Act, a protected class is a group of people who share common characteristics and are protected from discrimination on the basis of race, religion, national origin, color, disability, familial status, and gender.
How do I know if I've been a victim?
The Internet is an exciting tool that puts vast amounts of information at your fingertips. With the click of a mouse, you can buy airline tickets, use research tools, chat with friends or play interactive games.
But there are also risks on the Internet, so it’s important to be cyber-smart and make your experience online a safe one. It is critically important that parents supervise their children’s Internet use. As we’ve seen all too often, trusting children are particularly vulnerable to sexual predators and other cyber-criminals.
Pyramid schemes are among the oldest and most common consumer scams. While pyramid schemes may be disguised as “gift” programs or “networking” plans, they have certain things in common. Pyramids are illegal. Pyramids will fail. People will lose money.
For information, click on the guides below in English and Spanish/Espanol.
"Slamming" describes the practice of changing a consumer=s local or long distance company without the consumer's knowledge or consent.
The Federal Communications Commission (FCC) has rules that require a consumer's approval before a long distance carrier can be changed.
Idaho is one of several states that have laws prohibiting slamming. Unfortunately, some telephone companies use deceptive and misleading telemarketing techniques designed to trick people into giving authorization to switch telephone companies.
For information, please see the attachment below.
A predatory mortgage is a needlessly expensive home loan that provides no financial benefit to the gorrower in return fo the extra costs. In many cases, homeowners are deceived about the loan's true costs and terms or are pressured into signing loans they cannot afford. Many of these homeowners lose their homes to foreclosure.
Reverse mortgages are becoming popular in America. HUD's Federal Housing Administration (FHA) created one of the first. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements and more. You can receive free information about reverse mortgages in general by calling AARP toll free at (800) 209-8085.
Idaho Department of Finance Frequesntly Asked Questions (FAQ) about Consumer Finance.
This pamphlet is a brief summary of the rules adopted by the Idaho Public Utilities Commission (PUC) concerning electric, natural gas, and water termination practices. The rules apply to all residential customers of investor-owned utilities in Idaho under the jurisdiction of the PUC such as Idaho Power, Avista Utilities, Intermountain Gas, Utah Power & Light, Pacific Power & Light, Citizens Utility, and United Water.
These rules do not apply to cooperative utilities or municipally owned utilities.
La Internet es una herramienta apasionante que le presenta enormes cantidades de información al alcance de su mano. Con un toque del ratón (mouse), puede comprar pasajes aéreos, utilizar herramientas de búsqueda, conversar con los amigos o participar en juegos interactivos. Pero también existen riesgos en la Internet, por lo tanto, es importante ser ciber-inteligente y que su experiencia en línea sea segura. Es de suma importancia que los padres supervisen el uso de la Internet por parte de sus hijos.
If you’re looking for a job, you may see ads for firms that promise results. Unfortunately, some firms may misrepresent their services, promote outdated or fictitious job offerings, or charge high fees in advance for
services that may not lead to a job....
Those desperate to find work can sometimes fall victim to job placement and work-at-home
scams. /// Tips On Avoiding Employment Scams
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