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Consumer Finance FAQ
Idaho Department of Finance Frequesntly Asked Questions (FAQ) about Consumer Finance.
CRÉDITOS HIPOTECARIOS CAROS: NO SE CONVIERTA EN VÍCTIMA
No se fíe de cualquiera que le ofrezca un "crédito que es una ganga" o un préstamo de "consolidación", aunque lo avisen por correo, por teléfono o llamando a la puerta de casa. No se fíe de...
Deceptive Mortgage Ads: What They Say; What They Leave Out
If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or...
Fair and Predatory Lending Brochure
Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.
Fair Housing: Predatory Lending Abuses
The work that provided the basis for this page was supported by funding under a grant with the U.S. Department of Housing and Urban Development. ILAS is solely responsible for the accuracy of the...
This section examines the requirements of the federal Fair Housing Act pertaining that prohibit discrimination in mortgage lending and servicer practices. This section includes information on...
Fair Lending Poster with Warning Signs of Predatory Lending
ILAS Fair Lending Project poster, which identifies some common warning signs of predatory lending, is available for printing and posting at your business.
Fair Lending Project: How to Escalate Your Case
Idaho Legal Aid Services Fair Lending Project: How to Escalate Your Case File a Complaint against the Bank at: https://appsec.helpwithmybank.gov/olcc_form/ When You File a Bank Complaint...
Fair Lending: Manufactured Housing
What is a manufactured home? A manufactured home is a structure formerly known as a mobile home. It is built to the Manufactured Home Construction and Safety standards set by HUD and displays a...
Si usted es propietario de una vivienda y necesita dinero para pagar cuentas o para hacer reparaciones en su casa, es posible que crea que un préstamo sobre el valor neto de la vivienda (home...
Helping Elderly Homeowners Victimized by Predatory Mortgage Loans
Equity-rich, cash poor elderly homeowners are an attractive target for unscrupulous mortgage lenders. Many elderly homeowners are on fixed or limited incomes, yet need access to credit to pay for...
High-Cost Home Loans: Don't Be a Target
Be suspicious of anyone who offers you a “bargain loan” or “consolidation” loan, whether they send you an offer, call you on the phone, or come to your door. Don’t rely on salespeople...
High-Rate, High-Fee Loans (HOEPA/Section 32 Mortgages)
If you’re refinancing your mortgage or applying for a home equity installment loan, you should know about the Home Ownership and Equity Protection Act of 1994 (HOEPA). The law addresses...
How to Make a Consumer Complaint
At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results so you may be...
How to Report Your Lender
Idaho Legal Aid Services Fair Lending Project: How To File A Complaint Against Your Lender The Office of the Comptroller of the Currency or (OCC) is an arm of the United States...
HUD Predatory Lending
Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are...
Lending and the Fair Housing Act
Discrimination in mortgage lending is prohibited by the Fair Housing Act. The Act makes it unlawful to engage in discriminatory practices based on race, color, national origin, religion, sex,...
Mortgage Fraud and Foreclosure
Your home is likely your most valuable asset, and you have an interest in maintaining ownership, protecting your equity and preserving your credit rating. This manual describes how you can better...
Predatory Lending FAQ
Two video clips on exapmles of good and poor lending, as well as some common questions and tips related to predatory lending, such as:What is predatory lending?How do I know if I've been a...
Predatory Lending Practices
Predatory lending comes in a number of different forms. In each instance, however, a financial institution takes unfair advantage of a consumer’s financial needs by charging high interest...
Protect Yourself from Predatory Lending
Buying or refinancing your home may be one of the most important and complex financial decisions you'll ever make. Many lenders, appraisers, and real estate professionals stand ready to help you...
Signs of Predatory Auto Finance Loans
The Center for Responsible Lending has created a list of five "Signs of Predatory Auto Finance Loans" that you may view below or view on their webpage:
Signs of Predatory Mortgage Lending
The Center for Responsible Lending has created the following "8 Signs of Predatory Mortgage Lending", which you may find below or on their website:
Ten Things to Know about Reverse Mortgages from HUD
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...
Tips for Avoiding a Predatory Mortgage Loan
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...
Resources and information related to the COVID-19 pandemic, including protections under the CARES Act, evictions, unemployment benefits, garnishment of wages, etc.
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