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1	1	www.consumerfinance.gov/about-us/blog/tell-us-your-experiences-with-data-brokers/index.html
1	1	www.consumerfinance.gov/about-us/blog/update-state-laws-on-lending-to-business/index.html
14	0	www.consumerfinance.gov/about-us/careers/current-openings/index.html
16	5	www.consumerfinance.gov/about-us/careers/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-hhs-y-tesoro-investigan-costos-de-tarjetas-y-prestamos-medicos/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-launches-initiative-to-improve-customer-service-at-big-banks/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-le-ordena-a-portfolio-recovery-associates-un-delincuente-reincidente-que-pague-mas-de-24-millones-por-su-continuo-uso-de-practicas-ilegales-de-cobranzas-y-por-violaciones-en-el-reporte-de-consumidores/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/cfpb-seeks-public-input-on-consumer-credit-card-market/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/inquiry-into-costly-credit-cards-and-loans-pushed-on-patients-for-health-care-costs/index.html
1	1	www.consumerfinance.gov/about-us/newsroom/la-cfpb-lanza-averiguacion-sobre-las-practicas-de-negocios-de-los-corredores-de-datos/index.html
12	12	www.consumerfinance.gov/activity-log/index.html?page=3
13	5	www.consumerfinance.gov/ask-cfpb/a-box-on-my-credit-card-bill-says-that-i-will-pay-off-the-balance-in-three-years-if-i-pay-a-certain-amount-what-does-that-mean-do-i-have-to-pay-that-much-if-i-pay-that-much-and-make-new-purchases-will-i-still-owe-nothing-after-three-yea/index.html
13	5	www.consumerfinance.gov/ask-cfpb/a-deposit-was-credited-to-my-account-by-mistake-can-the-bankcredit-union-take-it-back-en-1015/index.html
13	5	www.consumerfinance.gov/ask-cfpb/a-few-days-after-my-relatives-obituary-appeared-in-the-papers-i-got-a-call-from-someone-who-said-they-were-a-debt-collector-and-that-my-relative-had-owed-money-they-are-telling-me-i-have-to-pay-and-asking-me-for-my-bank-account-informat/index.html
13	5	www.consumerfinance.gov/ask-cfpb/a-financial-planner-offered-to-help-with-my-bill-paying-and-banking-but-said-the-only-way-she-or-he-could-help-is-if-i-opened-a-joint-account-with-both-of-our-names-on-it-is-this-true-en-1147/index.html
13	5	www.consumerfinance.gov/ask-cfpb/a-person-i-hired-to-help-with-my-mortgage-advised-me-to-stop-making-payments-on-my-mortgage-loan-so-i-could-qualify-for-a-loan-modification-do-i-have-to-do-this-en-275/index.html
13	5	www.consumerfinance.gov/ask-cfpb/a-veterans-advisor-said-he-could-help-me-get-my-aid-and-attendance-benefit-from-the-department-of-veterans-affairs-va-for-a-fee-is-this-legitimate-en-1717/index.html
10	5	www.consumerfinance.gov/ask-cfpb/al-enviar-dinero-fuera-del-pais-puedo-obtener-informacion-de-la-tasa-de-cambio-y-los-cargos-en-mi-propio-idioma-es-1759/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-allowed-to-negotiate-the-terms-and-costs-of-my-mortgage-at-closing-en-1919/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-required-to-purchase-an-extended-warranty-or-guaranteed-auto-protection-gap-insurance-from-a-lender-or-dealer-to-get-an-auto-loan-en-807/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-required-to-purchase-credit-insurance-from-a-lender-or-dealer-to-get-an-auto-loan-en-805/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-charges-on-a-joint-credit-card-en-88/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-my-spouses-debts-after-they-die-en-1467/index.html
13	5	www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-rules-different-for-accounts-at-savings-association-than-at-a-bank-en-1129/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-there-any-fees-to-use-a-payroll-card-en-403/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-there-limits-on-the-amount-of-purchases-reloads-and-cash-withdrawals-i-can-make-with-my-prepaid-card-en-513/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-there-other-types-of-loans-that-can-serve-a-similar-purpose-as-a-heloc-en-253/index.html
13	5	www.consumerfinance.gov/ask-cfpb/are-there-situations-where-i-would-not-have-a-right-of-rescission-en-190/index.html
13	5	www.consumerfinance.gov/ask-cfpb/as-an-active-duty-member-of-the-military-can-i-get-a-truly-free-credit-score-for-me-or-my-spouse-en-1373/index.html
13	5	www.consumerfinance.gov/ask-cfpb/at-the-mortgage-loan-closing-do-i-have-to-sign-if-i-dont-like-the-terms-en-185/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-bank-or-credit-union-cash-a-post-dated-check-before-the-date-on-the-check-en-967/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-bank-or-credit-union-refuse-to-open-a-checking-account-for-me-en-949/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-card-issuer-consider-my-age-when-deciding-whether-to-issue-a-credit-card-to-me-en-20/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-card-issuer-consider-my-sex-or-marital-status-when-deciding-whether-to-issue-a-credit-card-to-me-en-22/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-credit-card-company-charge-me-interest-after-i-close-my-account-en-50/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-creditor-refer-my-account-to-collection-agency-before-debt-is-due-do-i-have-to-be-told-before-debt-turn-in-to-collections-en-1539/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-contact-me-about-a-deceased-relatives-debts-en-1469/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-contact-me-through-social-media-en-2112/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-increase-the-interest-rate-on-a-debt-i-owe-en-1417/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-try-to-collect-on-a-debt-that-was-discharged-in-bankruptcy-en-1425/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-consider-my-race-color-religion-or-sex-en-348/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-consider-the-fact-that-i-am-not-a-us-citizen-en-1187/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-make-me-provide-documents-like-my-w-2-or-pay-stub-in-order-to-give-me-a-loan-estimate-en-147/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-broker-ask-me-about-the-alimony-child-support-or-separate-maintenance-payments-that-i-receive-en-353/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-broker-consider-my-age-when-deciding-whether-to-give-me-a-mortgage-or-home-equity-loan-en-346/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-broker-consider-my-sex-or-marital-status-when-deciding-whether-to-give-me-a-mortgage-or-home-equity-loan-en-350/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-broker-consider-whether-i-receive-income-from-a-public-assistance-program-when-deciding-whether-to-give-me-a-mortgage-or-home-equity-loan-en-347/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-dealer-ask-me-about-the-alimony-child-support-or-separate-maintenance-payments-that-i-receive-when-i-apply-for-an-auto-loan-en-1195/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-lender-or-dealer-consider-my-sex-marital-status-or-dependents-when-deciding-whether-to-give-me-an-auto-loan-en-1191/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-a-payday-lender-garnish-my-wages-en-1609/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-anyone-take-out-a-reverse-mortgage-loan-en-227/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-be-arrested-for-an-unpaid-debt-en-1537/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-be-charged-a-penalty-for-paying-off-my-mortgage-early-en-204/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-be-declined-for-a-prepaid-card-en-437/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-cancel-a-money-transfer-en-1737/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-cash-a-check-at-any-bank-or-credit-union-en-931/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-close-my-account-whenever-i-want-en-957/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-ever-waive-my-right-to-rescind-on-my-mortgage-loan-en-188/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-drivers-license-en-927/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-make-additional-payments-on-my-student-loan-en-607/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-make-issuers-stop-sending-me-credit-card-offers-in-the-mail-en-1377/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-pay-my-student-loan-in-full-at-any-time-en-609/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-prepay-my-loan-at-any-time-without-penalty-en-843/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-return-a-car-that-i-bought-if-it-has-mechanical-problems-en-833/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-send-a-qwr-error-dispute-or-information-request-to-my-mortgage-servicer-no-matter-what-kind-of-mortgage-i-have-en-208/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-use-a-reverse-mortgage-loan-to-buy-a-home-en-238/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-i-use-my-prepaid-card-outside-of-the-us-en-501/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-bank-or-credit-union-charge-me-a-fee-for-processing-a-garnishment-if-i-receive-social-security-or-va-benefits-en-1981/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-bankcredit-union-charge-me-a-fee-to-use-another-bank-or-credit-unions-atm-en-1081/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-card-issuer-change-my-credit-card-from-a-mastercard-to-a-visa-or-from-a-gas-carddepartment-store-card-to-a-mastercard-en-76/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-charge-a-fee-based-on-how-i-paid-my-bill-such-as-for-making-a-payment-over-the-phone-en-60/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-credit-card-issuer-reduce-my-credit-limit-en-74/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-final-mortgage-costs-increase-from-what-was-on-my-loan-estimate-en-172/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-my-partner-family-or-dependents-if-i-have-a-reverse-mortgage-en-1213/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-the-card-issuer-request-information-about-my-income-my-age-and-my-social-security-number-when-i-apply-for-a-credit-card-en-14/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-the-credit-card-company-sell-my-account-en-92/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-the-dealer-increase-the-interest-rate-after-i-drive-the-vehicle-home-en-831/index.html
13	5	www.consumerfinance.gov/ask-cfpb/can-they-charge-me-interest-on-a-charge-i-told-them-i-did-not-make-en-63/index.html
13	5	www.consumerfinance.gov/ask-cfpb/could-i-be-turned-down-for-a-job-because-of-something-in-my-credit-report-en-1345/index.html
13	5	www.consumerfinance.gov/ask-cfpb/could-late-rent-payments-or-problems-with-a-landlord-be-in-my-credit-report-en-1815/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-buy-now-pay-later-bnpl-loans-have-fees-en-2118/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-have-the-right-to-receive-a-copy-of-my-home-appraisal-en-192/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-have-to-get-my-loan-from-the-dealer-en-791/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-have-to-pay-for-my-credit-score-en-1265/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-have-to-put-up-something-as-collateral-for-a-payday-loan-en-1595/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-have-to-use-a-government-benefit-card-to-continue-receiving-a-benefit-en-415/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-need-an-attorney-or-anyone-else-to-represent-me-when-closing-on-a-mortgage-en-177/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-pay-interest-on-new-purchases-after-i-get-a-zero-or-low-rate-balance-transfer-en-49/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-i-still-need-to-pay-my-property-taxes-and-home-insurance-with-a-reverse-mortgage-loan-en-235/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-joint-credit-card-accounts-with-my-spouse-affect-my-credit-score-en-1289/index.html
13	5	www.consumerfinance.gov/ask-cfpb/do-student-loans-affect-my-taxes-en-623/index.html
13	5	www.consumerfinance.gov/ask-cfpb/does-a-heloc-affect-my-ability-to-refinance-my-first-mortgage-loan-en-252/index.html
13	5	www.consumerfinance.gov/ask-cfpb/does-an-atm-have-to-give-me-a-receipt-en-1083/index.html
13	5	www.consumerfinance.gov/ask-cfpb/does-it-take-longer-before-i-can-withdraw-money-if-i-deposit-a-check-using-an-atm-instead-of-inside-the-bankcredit-union-en-1089/index.html
13	5	www.consumerfinance.gov/ask-cfpb/does-my-bankcredit-union-have-to-send-me-a-monthly-statement-for-my-checking-account-en-965/index.html
13	5	www.consumerfinance.gov/ask-cfpb/does-my-history-of-paying-utility-bills-like-telephone-cable-electricity-or-water-go-in-my-credit-report-en-1817/index.html
10	5	www.consumerfinance.gov/ask-cfpb/estaba-enviando-dinero-a-otro-pais-y-el-recibo-que-me-dieron-decia-que-algunos-de-los-cargos-eran-estimaciones-que-significa-eso-es-1767/index.html
13	5	www.consumerfinance.gov/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-are-prepaid-cards-debit-cards-and-credit-cards-different-en-433/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-contact-the-nationwide-credit-reporting-companies-with-general-inquiries-en-1225/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-figure-out-if-i-can-afford-to-buy-a-home-and-take-out-a-mortgage-en-118/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-find-out-who-has-accessed-my-credit-report-en-1337/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-find-the-loan-limit-for-a-conforming-loan-in-my-county-en-1961/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-find-the-loan-limit-for-an-fha-loan-in-my-county-en-1963/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-get-an-electronic-periodic-mortgage-statement-en-1877/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-recognize-mail-fraud-en-2049/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-spot-identity-theft-en-1359/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-tell-if-a-friend-neighbor-or-family-member-is-a-victim-of-financial-exploitation-en-1933/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-tell-if-i-am-working-with-a-mortgage-broker-or-a-mortgage-lender-en-131/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-can-i-tell-who-owns-my-mortgage-en-214/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-automatic-debit-payments-from-my-bank-account-work-en-2021/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-credit-reporting-companies-get-my-information-en-1263/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-home-insurance-companies-pay-out-claims-en-1523/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-add-money-to-my-prepaid-card-en-449/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-apply-for-student-loans-en-569/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-avoid-a-monthly-fee-on-my-prepaid-card-en-471/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-avoid-atm-fees-en-981/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-avoid-or-minimize-overdraft-fees-en-979/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-check-to-see-if-my-child-has-a-credit-report-en-1865/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-checking-account-consumer-report-en-2029/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-request-information-about-my-mortgage-en-1855/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-find-a-lawyer-to-help-me-with-a-creditor-or-collector-trying-to-collect-a-debt-from-me-en-1433/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-find-a-personal-line-of-credit-en-903/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-find-my-states-bank-regulator-en-1637/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-find-out-information-about-my-student-loans-en-613/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-find-the-best-loan-available-when-im-shopping-for-a-home-mortgage-loan-en-137/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-the-report-banks-use-to-decide-whether-to-let-me-open-a-checking-account-en-2035/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-know-who-my-auto-loan-lender-or-servicer-is-en-837/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-pay-back-my-personal-line-of-credit-en-911/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-qualify-for-an-advertised-0-auto-financing-en-781/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-reload-my-prepaid-card-using-direct-deposit-en-465/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-remove-an-authorized-user-from-my-credit-card-account-en-86/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-repay-a-payday-loan-en-1599/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-send-my-credit-card-company-a-billing-error-notice-en-2072/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-shop-for-buy-a-prepaid-card-en-395/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-stop-payment-on-a-check-en-983/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-i-tell-if-i-have-a-fixed-or-adjustable-rate-mortgage-en-196/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-do-mortgage-lenders-calculate-monthly-payments-en-1965/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-does-a-lender-decide-what-interest-rate-to-offer-me-on-an-auto-loan-en-765/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-does-compound-interest-work-en-1683/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-does-my-credit-card-company-calculate-the-amount-of-interest-i-owe-en-51/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-does-paying-down-a-mortgage-work-en-1943/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-is-my-student-loan-payment-applied-to-my-account-en-605/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-after-buying-a-prepaid-card-do-i-have-to-wait-until-i-can-start-using-it-en-445/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-after-foreclosure-starts-will-i-have-to-leave-my-home-en-1853/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-can-i-keep-a-low-rate-on-a-balance-transfer-or-other-introductory-rate-en-15/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-do-i-have-to-rescind-when-does-the-right-of-rescission-start-en-187/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-does-information-about-me-stay-on-my-consumer-report-en-1121/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-does-it-take-to-get-my-free-credit-report-after-i-order-it-en-1221/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-long-does-negative-information-remain-on-my-credit-report-en-323/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-many-overdrafts-can-i-get-in-a-single-day-en-1041/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-can-i-afford-to-borrow-for-a-car-or-auto-loan-en-751/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-can-i-borrow-with-a-personal-line-of-credit-en-907/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-do-529-plans-cost-en-2080/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-does-it-cost-to-receive-a-loan-estimate-en-2003/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-money-can-i-get-with-a-reverse-mortgage-and-what-are-my-payment-options-en-233/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-much-should-i-borrow-in-student-loans-en-579/index.html
13	5	www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-a-stay-at-home-spouse-or-partner-without-a-separate-income-i-share-income-and-expenses-with-my-spouse-or-partner-can-i-still-get-a-credit-card-in-my-own-name-en-18/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-at-least-two-payments-behind-on-my-mortgage-payments-i-tried-to-pay-one-month146s-worth-of-what-i-owe-but-my-servicer-said-i-have-to-pay-the-whole-amount-can-the-servicer-do-this-en-267/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-considering-a-pace-loan-for-home-improvements-what-should-i-keep-in-mind-before-signing-up-en-2128/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-having-a-problem-with-my-collegeuniversity-where-can-i-file-a-complaint-en-2088/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-in-the-military-and-have-an-auto-lease-if-i-am-ordered-to-move-overseas-or-deploy-can-i-cancel-or-terminate-my-auto-lease-without-paying-early-termination-charges-or-a-penalty-en-889/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-married-or-was-previously-married-and-i-am-applying-for-a-mortgage-loan-or-home-equity-line-of-credit-in-my-own-name-can-a-lender-or-broker-ask-me-about-my-spouse-or-former-spouse-en-352/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-am-not-married-but-want-to-submit-a-joint-application-for-a-mortgage-or-home-equity-loan-with-another-person-can-we-be-treated-differently-from-married-joint-applicants-en-357/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-applied-for-a-loan-modification-or-other-options-to-avoid-foreclosure-but-was-denied-help-my-lender-said-i-didnt-meet-the-qualifications-for-help-can-i-appeal-en-1841/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-applied-for-a-mortgage-loan-and-my-lender-denied-my-application-what-can-i-do-en-170/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-bounced-a-check-will-this-show-up-on-my-credit-report-en-1059/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-cant-make-my-mortgage-payments-how-long-will-it-take-before-ill-face-foreclosure-en-1849/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-cashed-a-check-at-my-bankcredit-union-but-later-the-check-was-found-to-be-fraudulent-do-i-have-to-repay-the-bankcredit-union-en-989/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-closed-my-interest-bearing-account-but-the-bankcredit-union-did-not-pay-me-interest-up-until-the-day-i-withdrew-the-money-why-en-1013/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-deposited-a-check-and-waited-until-i-was-able-to-withdraw-the-money-from-the-bank-i-later-found-out-that-the-check-was-fraudulent-the-bankcredit-union-took-the-money-back-and-now-my-account-is-overdrawn-can-they-charge-me-an-overdraft/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-discovered-an-unauthorized-check-written-on-my-account-what-rights-do-i-have-en-1021/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-do-not-want-creditors-to-report-my-accounts-to-credit-reporting-companies-what-can-i-do-en-1257/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-dont-recognize-the-name-of-a-creditor-listed-on-my-credit-report-should-i-dispute-this-listing-en-1331/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-filed-for-bankruptcy-how-long-will-that-appear-on-credit-reports-en-325/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-gave-my-debitatm-card-to-a-friend-and-told-them-only-to-take-out-a-small-amount-but-they-took-out-more-money-my-bankcredit-union-wont-refund-the-money-does-the-bankcredit-union-have-to-give-it-back-to-me-en-1075/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-get-my-paycheck-by-direct-deposit-when-can-i-withdraw-the-funds-en-1025/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-got-a-credit-card-promising-no-interest-for-a-purchase-if-i-pay-in-full-within-12-months-how-does-this-work-en-40/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-got-a-letter-from-my-mortgage-servicer-about-my-application-for-help-to-prevent-foreclosure-of-my-mortgage-can-you-help-me-understand-some-of-the-terms-en-1807/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-have-a-joint-account-with-someone-who-died-what-happens-now-en-1101/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-have-a-joint-checking-account-the-other-person-closed-the-account-without-telling-me-is-that-allowed-en-1095/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-have-a-joint-checking-account-with-another-person-they-transferred-all-the-money-out-of-the-account-and-into-their-own-private-account-without-my-permission-they-then-closed-the-account-can-they-do-that-en-1099/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-have-a-joint-checking-account-with-my-spouse-i-would-like-to-remove-my-spouse-from-the-account-can-i-do-that-en-1097/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-have-a-pre-schooler-who-is-starting-to-ask-for-treats-when-we-go-shopping-what-can-i-do-to-start-teaching-her-that-things-cost-money-en-1639/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-heard-that-taking-out-a-payday-loan-can-help-rebuild-my-credit-or-improve-my-credit-score-is-this-true-en-1611/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-heard-that-there-are-new-rules-about-international-money-transfers-who-is-protected-by-them-en-1731/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-heard-there-is-a-special-savings-account-for-deployed-servicemembers-am-i-eligible-en-1131/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-just-learned-that-my-card-issuer-has-closed-my-account-without-giving-me-any-notice-can-they-do-that-what-can-i-do-en-75/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-just-received-a-new-card-from-the-card-issuer-with-a-new-account-number-and-a-letter-saying-my-account-had-been-compromised-what-does-that-mean-what-should-i-do-en-89/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-let-the-card-issuer-know-i-was-closing-my-account-they-are-still-charging-me-interest-can-they-do-that-en-85/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-lost-a-check-written-to-me-someone-forged-my-signature-on-the-back-of-the-check-and-then-cashed-it-what-can-i-do-en-993/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-made-a-cash-deposit-into-my-checking-account-i-attempted-a-withdrawal-later-that-day-and-was-told-i-could-not-withdraw-until-tomorrow-can-the-bank-do-this-en-1029/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-made-an-online-purchase-using-my-prepaid-card-but-later-the-purchase-was-cancelled-however-the-charge-is-still-showing-up-on-my-card-why-en-523/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-mailed-my-mortgage-payment-before-it-was-due-but-my-servicer-received-it-after-the-due-date-and-charged-me-a-late-fee-can-my-servicer-do-this-en-216/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-never-received-a-loan-estimate-what-can-i-do-en-148/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-opened-a-free-checking-account-but-there-are-fees-charged-on-my-account-can-my-bankcredit-union-do-that-en-961/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-opened-a-free-checking-account-i-received-a-notice-from-the-bankcredit-union-stating-that-it-had-decided-to-start-charging-monthly-fees-can-the-bankcredit-union-do-this-en-963/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-opened-a-new-checking-account-and-my-bankcredit-union-wont-let-me-withdraw-my-funds-can-the-bankcredit-union-do-this-en-1031/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-opted-into-debit-overdraft-but-the-bankcredit-union-still-declined-to-allow-a-debit-purchase-i-made-can-the-bank-do-that-en-1057/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-paid-my-bill-on-time-last-month-and-still-was-charged-a-late-fee-how-can-that-be-en-54/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-paid-off-my-mortgage-but-it-is-still-listed-on-my-credit-report-as-outstanding-what-can-i-do-en-222/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-a-check-and-tried-to-cash-it-at-the-bankcredit-union-that-holds-the-account-on-which-the-check-is-written-the-bankcredit-union-charged-me-a-fee-for-cashing-a-check-can-a-bankcredit-union-do-that-en-937/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-a-check-that-someone-forgot-to-sign-can-i-still-cash-it-en-943/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-a-check-where-the-words-and-the-numbers-for-the-amount-are-different-is-this-check-valid-and-for-how-much-en-945/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-a-notice-from-my-card-issuer-telling-me-that-they-were-closing-my-account-and-that-i-cannot-use-my-credit-card-any-more-can-they-do-that-en-83/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-a-revised-loan-estimate-from-my-lender-showing-a-higher-interest-rate-and-increased-closing-costs-what-does-this-mean-en-1991/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-an-email-from-my-bank-or-credit-union-asking-me-to-verify-my-account-information-what-should-i-do-en-999/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-my-bill-this-month-and-the-payment-is-due-the-same-day-as-usual-but-the-bill-came-much-later-than-usual-can-i-get-more-time-to-pay-en-80/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-received-notice-of-an-upcoming-rate-change-on-my-adjustable-rate-mortgage-arm-why-did-i-receive-this-and-what-should-i-do-now-en-1843/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-recently-declared-bankruptcy-now-my-mortgage-servicer-said-its-not-allowed-to-send-me-a-monthly-mortgage-statement-is-that-correct-en-1937/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-recently-inherited-a-house-the-mortgage-lender-said-its-required-to-determine-my-ability-to-repay-before-it-will-let-me-take-over-the-mortgage-loan-is-this-true-en-1939/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-tried-to-cash-a-check-at-a-bankcredit-union-where-i-dont-have-an-account-the-bankcredit-union-made-me-show-identification-is-that-allowed-en-935/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-tried-to-check-my-credit-report-online-but-the-site-wanted-to-charge-me-a-fee-or-get-me-to-sign-up-for-other-services-arent-credit-reports-free-en-1285/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-used-all-my-credit-and-made-a-payment-how-long-does-it-take-before-i-can-use-the-card-again-en-35/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-my-children-to-learn-how-to-compare-prices-what-are-some-things-i-could-try-en-1659/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-apply-for-a-mortgage-or-home-equity-loan-can-a-lender-or-broker-ask-me-about-my-children-or-dependents-en-355/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-certify-that-i-work-for-a-qualified-employer-in-order-to-qualify-for-public-service-loan-forgiveness-what-do-i-do-en-1563/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-help-my-daughter-start-her-credit-history-what-should-i-do-en-1643/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-want-to-use-my-bank-or-credit-union-to-transfer-money-to-someone-in-another-country-does-the-new-federal-law-about-international-money-transfers-apply-en-1733/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wanted-to-take-out-a-home-equity-line-of-credit-but-my-lender-told-me-the-terms-have-changed-what-can-i-do-en-250/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-an-authorized-user-on-my-deceased-relatives-credit-card-account-am-i-liable-to-repay-the-debt-en-1485/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-at-a-store-and-the-cashier-scanned-my-check-and-then-handed-it-back-to-me-is-this-normal-en-1105/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-offered-a-pension-advance-what-is-this-what-should-i-look-out-for-en-1715/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-sending-money-to-another-country-and-the-receipt-i-received-said-some-of-the-fees-were-estimates-what-does-that-mean-en-1767/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-told-im-buying-a-home-that-was-flipped-and-that-i-have-to-get-a-second-appraisal-how-does-that-work-en-1799/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-was-told-my-check-was-turned-into-an-electronic-funds-transfer-what-does-this-mean-en-1109/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-went-over-my-credit-limit-and-i-was-charged-an-overlimit-fee-what-can-i-do-en-58/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-went-to-my-bank-or-credit-union-and-was-told-that-money-had-been-taken-out-of-my-account-using-a-power-of-attorney-poa-i-never-signed-what-can-i-do-en-1153/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wrote-a-check-and-someone-forged-the-endorsement-and-cashed-the-check-my-bankcredit-union-wont-return-my-money-am-i-responsible-en-995/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wrote-a-check-and-the-person-i-gave-it-to-increased-the-amount-of-the-check-before-cashing-it-the-bankcredit-union-paid-the-higher-amount-rather-than-the-amount-i-had-written-what-can-i-do-en-1003/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wrote-a-check-how-can-i-tell-if-it-was-processed-as-an-electronic-payment-or-as-a-check-payment-en-1019/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wrote-a-check-to-a-merchant-or-store-and-they-lost-it-they-say-i-have-to-pay-again-do-i-have-to-pay-en-1093/index.html
13	5	www.consumerfinance.gov/ask-cfpb/i-wrote-a-check-to-someone-but-it-was-stolen-the-thief-forged-the-indorsement-on-the-check-and-then-cashed-it-my-bankcredit-union-deducted-the-money-from-my-account-what-can-i-do-en-991/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-a-credit-reporting-error-is-corrected-how-long-will-it-take-before-i-find-out-the-results-en-1339/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-am-considering-an-adjustable-rate-mortgage-arm-what-should-i-look-out-for-in-the-fine-print-en-1947/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-am-married-can-a-lender-or-broker-turn-down-my-application-for-a-mortgage-or-home-equity-loan-in-my-own-name-en-351/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-co-sign-for-my-grandchilds-student-loan-can-the-lender-garnish-my-social-security-check-if-my-grandchild-cant-or-wont-repay-the-loan-en-1707/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-co-signed-for-a-private-student-loan-can-i-be-released-from-the-loan-en-619/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-co-signed-for-a-student-loan-and-it-has-gone-into-default-what-happens-en-671/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-deposit-a-check-into-an-atm-are-the-funds-available-right-away-en-1087/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-dispute-a-debt-how-does-that-show-up-on-my-credit-report-en-1363/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-have-a-perkins-loan-and-i-am-interested-in-public-service-loan-forgiveness-what-do-i-need-to-know-en-1551/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-have-been-affected-by-a-natural-disaster-what-should-i-do-in-the-days-immediately-following-it-en-1513/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-link-my-credit-card-to-my-checking-account-to-cover-overdrafts-can-the-bankcredit-union-charge-me-a-fee-each-time-i-use-it-to-cover-an-overdraft-en-1049/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-lose-my-home-to-foreclosure-can-i-ever-buy-a-home-again-what-impact-will-a-foreclosure-have-on-my-credit-report-en-326/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-paid-someone-through-my-bank-or-credit-unions-online-bill-pay-service-why-did-the-person-receive-a-paper-check-en-1123/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-take-out-a-reverse-mortgage-loan-does-the-bank-own-my-home-en-234/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-i-want-to-rely-on-the-alimony-or-child-support-that-i-receive-in-my-mortgage-or-home-equity-loan-application-does-a-lender-or-broker-have-to-consider-that-income-en-354/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-my-employer-offers-me-a-payroll-card-do-i-have-to-accept-it-en-407/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/index.html
13	5	www.consumerfinance.gov/ask-cfpb/if-my-spouse-has-a-bad-credit-score-does-it-affect-my-credit-score-en-1291/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-a-servicemember-and-im-being-contacted-by-a-debt-collector-about-a-debt-what-are-my-rights-and-where-can-i-get-help-en-1495/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-a-servicemember-and-im-being-sued-what-can-i-do-if-i-cant-make-it-to-court-to-defend-myself-or-a-default-judgment-is-entered--because-i-didnt--appear-in-court-en-1499/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-about-to-close-on-a-mortgage-what-are-the-key-steps-i-can-expect-in-the-mortgage-closing-process-en-1905/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-about-to-close-on-a-mortgage-what-should-i-do-before-during-and-after-the-mortgage-closing-en-1907/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-in-the-military-and-having-trouble-paying-my-auto-loan-what-should-i-know-about-auto-repossession-and-protections-under-the-servicemembers-civil-relief-act-scra-en-873/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-in-the-military-can-a-debt-collector-have-my-security-clearance-revoked-if-i-fall-behind-on-paying-my-debt-en-1493/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-in-the-military-can-exercising-my-rights-under-the-scra-hurt-my-credit-score-en-1371/index.html
13	5	www.consumerfinance.gov/ask-cfpb/im-interested-in-starting-a-business-but-i-have-student-debt-what-do-i-need-to-know-en-1691/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-a-lender-allowed-to-consider-my-age-or-where-my-income-comes-from-when-deciding-whether-to-give-me-a-loan-en-1181/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-forbearance-available-for-private-student-loans-en-647/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-my-broker-being-paid-for-getting-me-a-mortgage-loan-en-132/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-public-service-loan-forgiveness-the-best-option-for-teachers-en-1561/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-the-money-on-my-prepaid-card-fdic-insured-en-529/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-there-a-law-that-limits-credit-card-interest-rates-for-servicemembers-en-73/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-there-any-way-i-can-check-to-see-if-the-company-or-person-i-contact-is-permitted-to-make-or-broker-mortgage-loans-en-133/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-there-any-way-i-can-see-if-there-have-been-disciplinary-actions-against-my-broker-en-134/index.html
13	5	www.consumerfinance.gov/ask-cfpb/is-there-such-a-thing-as-a-no-cost-or-no-closing-loan-or-refinancing-en-141/index.html
13	5	www.consumerfinance.gov/ask-cfpb/ive-always-tried-to-save-for-a-rainy-day-now-my-son-is-away-at-college-and-i-want-to-get-him-to-start-saving-too-what-do-you-suggest-en-1647/index.html
13	5	www.consumerfinance.gov/ask-cfpb/ive-seen-a-lot-of-advertisements-for-companies-that-consolidate-credit-card-debt-are-these-legitimate-en-1859/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-appraisal-is-less-than-the-sale-price-what-does-that-mean-for-me-en-2007/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-auto-loan-paperwork-said-the-extended-warranty-was-optional-but-i-was-told-that-i-was-required-to-purchase-an-extended-warranty-to-get-the-promotional-interest-rate-do-i-have-to-purchase-it-en-823/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bank-offers-a-direct-deposit-advance-or-checking-account-advance-what-is-this-en-1103/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bank-or-credit-union-closed-my-checking-account-will-this-hurt-my-credit-en-1819/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bankcredit-union-cashed-a-post-dated-check-even-though-i-told-them-about-the-post-dated-check-before-they-received-it-what-can-i-do-en-969/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bankcredit-union-charged-me-a-fee-for-overdrawing-my-account-even-though-i-never-agreed-to-let-them-do-so-what-can-i-do-en-1037/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bankcredit-union-no-longer-provides-copies-of-my-cancelled-checks-with-my-statement-can-the-bankcredit-union-do-that-en-955/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bankcredit-union-offered-to-link-my-checking-account-to-a-savings-account-a-line-of-credit-or-a-credit-card-to-cover-overdrafts-how-does-this-work-en-1047/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-bill-shows-different-aprs-and-shows-how-much-of-the-balance-is-subject-to-each-interest-rate-i-cannot-figure-out-how-this-is-calculated-how-does-that-work-en-39/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-children-are-6-and-8-years-old-what-should-they-know-about-money-at-that-age-and-what-i-can-i-do-to-help-en-1673/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-credit-card-statement-now-has-a-credit-score-what-does-this-mean-en-1863/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-daughter-just-got-her-first-paycheck-and-was-shocked-at-how-much-was-taken-out-what-should-i-tell-her-about-taxes-and-other-deductions-en-1669/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-family-member-signed-a-power-of-attorney-poa-but-when-i-took-it-to-the-bankcredit-union-i-was-told-the-poa-has-to-be-on-the-bankcredit-unions-form-what-can-i-do-en-1151/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-kids-are-asking-about-whether-to-enroll-in-their-employers-401ks-what-should-i-tell-them-en-1655/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-kids-are-leaving-the-nest-and-starting-their-careers-what-should-i-tell-them-about-saving-and-investing-en-1679/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-kids-think-i-can-put-everything-on-my-credit-card-how-do-i-explain-that-we-have-to-limit-what-we-buy-with-credit-en-1667/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-lender-offered-me-a-home-equity-line-of-credit-heloc-what-is-a-heloc-en-107/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-lender-offered-me-a-home-equity-line-of-credit-heloc-what-is-a-heloc-en-246/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-lender-or-broker-never-provided-me-with-the-notice-of-a-right-to-rescind-for-a-mortgage-loan-what-can-i-do-en-189/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-lender-or-servicer-said-i-could-go-on-a-repayment-plan-what-does-that-mean-en-280/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-lender-says-it-cant-lend-to-me-because-of-a-limit-on-points-and-fees-on-loans-is-this-true-en-1795/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-loan-officer-said-that-i-need-to-express-my-intent-to-proceed-in-order-for-my-mortgage-loan-application-to-move-forward-what-does-that-mean-en-1989/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-loan-officer-says-that-i-cant-apply-for-a-mortgage-loan-and-receive-a-loan-estimate-until-i-can-provide-a-copy-of-a-signed-purchase-contract-is-that-correct-en-1985/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-loans-are-eligible-for-a-deferment-because-im-serving-in-the-military-or-volunteering-in-the-peace-corps-what-does-this-mean-en-1931/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-mortgage-lender-told-me-it-was-exempt-from-mortgage-servicing-rules-is-this-true-en-1801/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-mortgage-lender-told-me-it-was-exempt-from-the-ability-to-repay-mortgage-rule-is-this-true-en-1793/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-mortgage-servicer-has-not-responded-to-a-notice-of-error-or-information-request-that-i-sent-what-can-i-do-en-211/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-mortgage-servicer-refuses-to-accept-my-payment-what-can-i-do-en-221/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-new-credit-card-wont-work-what-should-i-do-en-25/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-rate-or-the-fees-changed-between-my-loan-estimate-and-my-closing-disclosure-what-do-i-do-en-184/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-son-just-started-his-first-part-time-job-can-he-open-an-ira-en-1671/index.html
13	5	www.consumerfinance.gov/ask-cfpb/my-spouse-and-i-are-both-servicemembers-or-veterans-and-are-eligible-for-va-home-loans-can-we-use-one-of-our-loans-to-purchase-a-vacation-home-or-a-rental-investment-property-en-305/index.html
10	5	www.consumerfinance.gov/ask-cfpb/oi-que-hay-nuevas-normas-sobre-transferencias-internacionales-de-dinero-quienes-estan-protegidos-por-ellas-es-1731/index.html
13	5	www.consumerfinance.gov/ask-cfpb/public-service-loan-forgiveness-requires-ten-years-of-monthly-payments-to-qualify-for-loan-forgiveness-do-i-get-any-benefit-if-i-fall-short-en-1559/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-choose-federal-student-loans-or-private-student-loans-en-567/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-consolidate-my-federal-loans-en-603/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-consolidate-my-private-student-loans-en-625/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-enroll-in-direct-deposit-en-1027/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-get-a-checking-account-that-pays-interest-en-925/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-get-a-payday-loan-if-i-need-money-now-en-1583/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-put-off-paying-back-my-student-loans-deferment-forbearance-while-serve-military-volunteer-peace-corps-participate-national-service-program-en-1929/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-refinance-my-private-student-loan-into-one-with-a-lower-rate-en-1689/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-request-credit-reports-for-my-children-en-1271/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-use-a-credit-monitoring-service-to-protect-myself-from-identity-theft-en-1245/index.html
13	5	www.consumerfinance.gov/ask-cfpb/should-i-use-a-reverse-mortgage-to-consolidate-my-debts-en-1219/index.html
13	5	www.consumerfinance.gov/ask-cfpb/some-of-my-debts-are-listed-multiple-times-on-my-credit-report-what-should-i-do-en-1357/index.html
13	5	www.consumerfinance.gov/ask-cfpb/someone-bought-something-i-was-selling-online-and-sent-me-a-check-or-money-order-for-more-than-the-price-of-the-item-they-asked-me-to-send-back-the-difference-should-i-be-worried-en-997/index.html
13	5	www.consumerfinance.gov/ask-cfpb/someone-stole-my-debit-card-number-and-used-it-can-i-get-my-money-back-en-1077/index.html
13	5	www.consumerfinance.gov/ask-cfpb/the-bankcredit-union-closed-my-checking-account-even-though-i-did-not-want-them-to-can-the-bankcredit-union-do-that-en-959/index.html
13	5	www.consumerfinance.gov/ask-cfpb/the-bankcredit-union-refused-to-cash-a-check-because-it-was-more-than-six-months-old-is-this-allowed-en-933/index.html
13	5	www.consumerfinance.gov/ask-cfpb/the-bankcredit-union-said-i-overdrew-my-account-several-times-in-one-day-and-charged-me-a-fee-for-each-overdraft-what-should-i-do-en-1039/index.html
13	5	www.consumerfinance.gov/ask-cfpb/the-interest-rate-offered-for-cds-certificates-of-deposit-is-low-is-there-anything-i-can-do-about-that-en-921/index.html
13	5	www.consumerfinance.gov/ask-cfpb/the-seller-told-me-i-have-to-purchase-title-insurance-from-a-particular-company-or-they-won146t-sell-me-the-house-can-they-do-this-en-158/index.html
13	5	www.consumerfinance.gov/ask-cfpb/this-month-my-payment-is-due-on-a-sunday-when-is-it-really-due-en-78/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-credit-card-add-on-products-en-1541/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-fannie-mae-and-freddie-mac-en-1959/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-mortgage-loan-modification-scams-en-272/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-my-options-debt-collection-agency-contacts-me-about-student-loans-en-655/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-my-rights-under-the-military-lending-act-en-1783/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-prepaid-interest-charges-en-161/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-private-student-loans-en-2136/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-some-classic-warning-signs-of-possible-fraud-and-scams-en-2094/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-some-of-the-financial-considerations-when-thinking-about-buying-or-renting-a-home-en-119/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-the-differences-between-529-plans-en-2078/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-the-education-benefits-of-the-gi-bill-en-1713/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-the-interest-rates-on-my-student-loans-en-571/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-the-signs-of-a-student-loan-scam-en-2100/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-are-title-service-fees-en-157/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-think-a-mortgage-lender-discriminated-against-me-en-342/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-costs-will-i-have-to-pay-as-part-of-taking-out-a-mortgage-loan-en-153/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-there-may-be-additional-unauthorized-charges-made-after-i-reported-my-credit-card-lost-or-stolen-en-30/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-the-atm-gave-me-the-wrong-amount-of-money-en-1085/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-the-terms-of-my-mortgage-loan-at-closing-are-not-what-i-was-promised-beforehand-en-183/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-do-i-have-to-do-to-apply-for-a-mortgage-loan-en-144/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-qualify-for-a-payday-loan-en-1593/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-documents-should-i-receive-before-closing-on-a-mortgage-loan-en-181/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-it-mean-for-a-check-to-be-indorsed-for-deposit-only-en-947/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-it-mean-to-put-a-security-freeze-on-my-credit-report-en-1341/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-it-mean-to-renew-or-roll-over-a-payday-loan-en-1573/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-the-credit-reporting-company-do-after-i-notify-it-of-an-error-on-my-credit-report-en-1323/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-the-financial-aid-office-do-en-543/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-effect-will-shopping-for-an-auto-loan-have-on-my-credit-en-763/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-fees-or-charges-are-paid-when-closing-on-a-mortgage-and-who-pays-them-en-1845/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-after-i-complete-an-application-to-determine-my-options-to-avoid-foreclosure-en-1851/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-i-default-on-a-private-student-loan-en-673/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-i-do-not-pay-back-my-personal-line-of-credit-en-913/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-i-have-not-used-my-prepaid-card-for-a-long-period-of-time-en-537/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-i-have-to-move-out-of-my-home-into-a-nursing-home-or-assisted-living-and-i-have-a-reverse-mortgage-en-243/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-my-credit-card-company-has-an-outage-and-i-cant-access-my-account-en-2144/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-my-mortgage-is-sold-is-my-loan-safe-en-199/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-my-payment-app-has-an-outage-and-i-cant-access-my-account-en-2145/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-my-reverse-mortgage-loan-balance-grows-larger-than-the-value-of-my-home-en-1217/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-to-my-federal-student-loans-if-i-die-or-become-disabled-en-595/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-to-my-federal-student-loans-if-my-income-drops-en-2142/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-happens-when-i-tell-a-company-it-sent-inaccurate-information-to-a-credit-reporting-company-en-1333/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-information-do-i-need-to-provide-to-get-my-free-credit-report-en-1223/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-information-is-a-card-issuer-not-allowed-to-base-decisions-on-when-i-apply-for-credit-en-19/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-529-savings-plan-en-2074/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-balance-transfer-fee-can-a-balance-transfer-fee-be-charged-on-a-zero-percent-interest-rate-offer-en-53/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-buy-now-pay-later-bnpl-loan-en-2119/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-closing-disclosure-en-1983/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-construction-loan-en-108/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-credit-reporting-company-en-1251/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-credit-union-share-draft-account-is-it-a-checking-account-en-951/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-daily-periodic-rate-on-a-credit-card-en-46/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-deed-in-lieu-of-foreclosure-en-291/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-direct-plus-loan-en-553/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-federal-direct-loan-en-1553/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-fico-score-en-1883/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-flexible-spending-account-fsa-card-health-savings-account-card-hsa-en-417/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-government-benefit-card-en-409/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-guardian-of-property-en-1773/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-loan-en-106/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-jumbo-loan-en-116/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-limited-content-message-en-2113/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-mortgage-en-99/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-pace-loan-en-1979/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-paid-collection-en-1383/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-payoff-amount-is-my-payoff-amount-the-same-as-my-current-balance-en-205/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-payroll-card-en-401/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-perkins-loan-en-551/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-personal-line-of-credit-en-901/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-piggyback-second-mortgage-en-1955/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-prepayment-penalty-en-1957/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-reload-pack-and-how-do-i-use-it-en-451/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-retail-installment-sales-contract-or-agreement-is-this-a-loan-en-817/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-short-sale-en-290/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-stafford-loan-en-549/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-subprime-mortgage-en-110/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-subsidized-loan-en-573/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-text-alert-service-for-my-prepaid-card-en-507/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-a-zombie-second-mortgage-en-2133/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-interest-only-loan-en-101/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-original-creditor-and-what-is-the-difference-between-an-original-creditor-and-a-debt-collector-en-1387/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-overdraft-en-1035/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-arbitration-and-how-does-it-affect-my-mortgage-loan-en-1805/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-covered-under-the-military-lending-act-en-1785/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-deferment-en-629/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-extended-repayment-plan-federal-student-loans-en-637/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-forbearance-en-631/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-force-placed-insurance-en-827/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-graduated-repayment-en-635/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/index.html?_gl=1*fp81gw*_ga*MTA4Mzg1NTUzOS4xNTk3NzgwOTgx*_ga_DBYJL30CHS*MTYzMzM2MDE3OS4yNDcuMS4xNjMzMzYxMTg4LjA.
13	5	www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-162/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-included-in-the-monthly-auto-loan-payment-en-819/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-income-based-repayment-ibr-en-633/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-lenders-title-insurance-en-163/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-negative-amortization-en-103/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-pay-as-you-earn-paye-how-do-i-know-if-i-qualify-en-1555/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-piti-en-152/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-private-mortgage-insurance-en-122/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-student-loan-servicer-en-583/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-move-my-checking-account-to-another-bank-or-credit-union-en-985/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-credit-report-and-a-credit-score-en-2069/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-home-equity-loan-and-a-home-equity-line-of-credit-en-247/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-mortgage-broker-and-a-mortgage-lender-en-130/index.html
13	5	www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/index.html?_gl=1*16jw0yf*_ga*MTM4NDY2ODkxMS4xNjA3MTA1OTk2*_g…
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Expand Up @@ -1217,7 +1217,7 @@ <h1>Tell us your experiences with data brokers</h1>
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<p data-block-key="h0agj">We often don’t get to choose the companies that control our most personal and sensitive information. Data brokers is a term to describe those companies that collect, aggregate, sell, resell, license, or share our personal information with others.</p><p data-block-key="67p0p">Data brokers play a decisive role in our financial lives, impacting whether we’re able to buy a home or find a job. The CFPB wants to hear from the public about the business practices of data brokers and how those practices have directly affected people’s lives. We have released a <a href="/rules-policy/notice-opportunities-comment/open-notices/request-for-information-regarding-data-brokers-and-other-business-practices-involving-the-collection-and-sale-of-consumer-information/">Request for Information</a> to understand the full scope and breadth of the industry and whether all data brokers are playing by the same rules.</p><p data-block-key="7uelk">Congress passed the Fair Credit Reporting Act in response to concerns about how companies were creating and selling detailed dossiers of consumers’ personal information. Our inquiry seeks information about data broker business practices employed in the market today to inform the CFPB’s efforts to administer the law, including planned rulemaking under the FCRA.</p><h2 data-block-key="785r8">Sharing your experiences with data brokers</h2><p data-block-key="200ki">We want stakeholders from across the marketplace to share data, analysis, research, and other information about data brokers. We also want to hear from people who have interacted with data brokers or been affected by their practices.</p><p data-block-key="e9n33">We’re interested in hearing about:</p><ul><li data-block-key="42phv">The types of data that data brokers collect and sell, along with details about their collection methods</li><li data-block-key="3ctbv">The types of consumer harms and risks caused by data broker business practices, as well as any benefits</li><li data-block-key="br6p3">Whether people can avoid having their data collected</li><li data-block-key="8bdge">Whether and how data brokers protect and safeguard personal data</li><li data-block-key="6jcag">Individual experiences with attempting to remove, correct, or regain control of personal data</li></ul><p data-block-key="4t38t">We welcome all submissions until the comment period ends on June 13, 2023. Your submissions will help us shed light on an industry that largely operates out of public view as well as inform our future work to ensure that data brokers comply with the law.</p><p data-block-key="cr8nj">We encourage you to submit your comments early. All submissions must include the document title and docket number. In general, all comments received, including attachments and other supporting material, will be posted without change to <a class="a-link a-link__icon" href="https://www.regulations.gov/"><span class="a-link_text">Regulations.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. Proprietary information or sensitive personal information – such as account and Social Security numbers or names of individuals – should not be included.</p><p data-block-key="9g294">Share your data broker information and experiences by submitting a public comment in the <a class="a-link a-link__icon" href="https://www.federalregister.gov/documents/2023/03/21/2023-05670/request-for-information-regarding-data-brokers-and-other-business-practices-involving-the-collection"><span class="a-link_text"><i>Federal Register</i></span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a><i>.</i></p>
<p data-block-key="h0agj">We often don’t get to choose the companies that control our most personal and sensitive information. Data brokers is a term to describe those companies that collect, aggregate, sell, resell, license, or share our personal information with others.</p><p data-block-key="67p0p">Data brokers play a decisive role in our financial lives, impacting whether we’re able to buy a home or find a job. The CFPB wants to hear from the public about the business practices of data brokers and how those practices have directly affected people’s lives. We have released a <a href="/rules-policy/notice-opportunities-comment/archive-closed/request-for-information-regarding-data-brokers-and-other-business-practices-involving-the-collection-and-sale-of-consumer-information/">Request for Information</a> to understand the full scope and breadth of the industry and whether all data brokers are playing by the same rules.</p><p data-block-key="7uelk">Congress passed the Fair Credit Reporting Act in response to concerns about how companies were creating and selling detailed dossiers of consumers’ personal information. Our inquiry seeks information about data broker business practices employed in the market today to inform the CFPB’s efforts to administer the law, including planned rulemaking under the FCRA.</p><h2 data-block-key="785r8">Sharing your experiences with data brokers</h2><p data-block-key="200ki">We want stakeholders from across the marketplace to share data, analysis, research, and other information about data brokers. We also want to hear from people who have interacted with data brokers or been affected by their practices.</p><p data-block-key="e9n33">We’re interested in hearing about:</p><ul><li data-block-key="42phv">The types of data that data brokers collect and sell, along with details about their collection methods</li><li data-block-key="3ctbv">The types of consumer harms and risks caused by data broker business practices, as well as any benefits</li><li data-block-key="br6p3">Whether people can avoid having their data collected</li><li data-block-key="8bdge">Whether and how data brokers protect and safeguard personal data</li><li data-block-key="6jcag">Individual experiences with attempting to remove, correct, or regain control of personal data</li></ul><p data-block-key="4t38t">We welcome all submissions until the comment period ends on June 13, 2023. Your submissions will help us shed light on an industry that largely operates out of public view as well as inform our future work to ensure that data brokers comply with the law.</p><p data-block-key="cr8nj">We encourage you to submit your comments early. All submissions must include the document title and docket number. In general, all comments received, including attachments and other supporting material, will be posted without change to <a class="a-link a-link__icon" href="https://www.regulations.gov/"><span class="a-link_text">Regulations.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. Proprietary information or sensitive personal information – such as account and Social Security numbers or names of individuals – should not be included.</p><p data-block-key="9g294">Share your data broker information and experiences by submitting a public comment in the <a class="a-link a-link__icon" href="https://www.federalregister.gov/documents/2023/03/21/2023-05670/request-for-information-regarding-data-brokers-and-other-business-practices-involving-the-collection"><span class="a-link_text"><i>Federal Register</i></span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a><i>.</i></p>
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Expand Up @@ -1215,7 +1215,7 @@ <h1>Update on state laws on lending to businesses</h1>
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<p data-block-key="afewy">In the run-up to the 2008 financial crisis, federal banking regulators took numerous steps to undermine state regulators and enforcers. For example, the Office of the Comptroller of the Currency and the now-defunct Office of Thrift Supervision took steps to nullify state laws protecting the public from predatory mortgage lending. This proved to be catastrophic.</p><p data-block-key="dqh6r">When Congress passed the Consumer Financial Protection Act in 2010, it <a class="a-link a-link__icon" href="https://crsreports.congress.gov/product/pdf/R/R45081"><span class="a-link_text">significantly restricted</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> the ability of federal banking regulators to broadly preempt state consumer financial protections.</p><p data-block-key="e6khh">Recently, a number of states have enacted laws to require improved disclosure of information in commercial financing transactions. This can include, for example, loans to small businesses. Many of these laws were passed in response to <a href="https://www.consumerfinance.gov/about-us/blog/identifying-and-addressing-the-financial-needs-of-immigrants/">concerns</a> about predatory small business lending and to provide transparency in the market for small business financing.</p><p data-block-key="es681">The CFPB received a request from an industry trade association to determine whether New York’s commercial financing disclosure law is preempted by the federal Truth in Lending Act. Congress has expressly authorized the CFPB to determine whether state laws are preempted by the Truth in Lending Act. The public can request such a determination, or the CFPB can raise the issue on its own. The Truth in Lending Act’s implementing regulations require the CFPB to request public comment before determining whether a state law is preempted.</p><p data-block-key="6eu3e">After carefully considering the request, the CFPB’s preliminary determination is that the New York law is not preempted by the Truth in Lending Act because the New York law regulates commercial financing transactions rather than consumer-purpose transactions. The CFPB is requesting comment on whether it should finalize its preliminary determination that the New York law – as well as potentially similar laws in California, Utah, and Virginia – are not preempted.</p><p data-block-key="39kbt">The CFPB’s request for comment reflects the important role that public participation in preemption determinations plays in safeguarding state consumer protection efforts and the need for the federal government to follow such requirements where applicable.</p><p data-block-key="4tkg6">Read <a href="/rules-policy/notice-opportunities-comment/open-notices/notice-of-intent-to-make-preemption-determination-under-truth-in-lending-act/"><i>Notice of Intent to Make Preemption Determination under the Truth in Lending Act</i></a>. The deadline for submitting comments is January 20, 2023.</p>
<p data-block-key="afewy">In the run-up to the 2008 financial crisis, federal banking regulators took numerous steps to undermine state regulators and enforcers. For example, the Office of the Comptroller of the Currency and the now-defunct Office of Thrift Supervision took steps to nullify state laws protecting the public from predatory mortgage lending. This proved to be catastrophic.</p><p data-block-key="dqh6r">When Congress passed the Consumer Financial Protection Act in 2010, it <a class="a-link a-link__icon" href="https://crsreports.congress.gov/product/pdf/R/R45081"><span class="a-link_text">significantly restricted</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> the ability of federal banking regulators to broadly preempt state consumer financial protections.</p><p data-block-key="e6khh">Recently, a number of states have enacted laws to require improved disclosure of information in commercial financing transactions. This can include, for example, loans to small businesses. Many of these laws were passed in response to <a href="https://www.consumerfinance.gov/about-us/blog/identifying-and-addressing-the-financial-needs-of-immigrants/">concerns</a> about predatory small business lending and to provide transparency in the market for small business financing.</p><p data-block-key="es681">The CFPB received a request from an industry trade association to determine whether New York’s commercial financing disclosure law is preempted by the federal Truth in Lending Act. Congress has expressly authorized the CFPB to determine whether state laws are preempted by the Truth in Lending Act. The public can request such a determination, or the CFPB can raise the issue on its own. The Truth in Lending Act’s implementing regulations require the CFPB to request public comment before determining whether a state law is preempted.</p><p data-block-key="6eu3e">After carefully considering the request, the CFPB’s preliminary determination is that the New York law is not preempted by the Truth in Lending Act because the New York law regulates commercial financing transactions rather than consumer-purpose transactions. The CFPB is requesting comment on whether it should finalize its preliminary determination that the New York law – as well as potentially similar laws in California, Utah, and Virginia – are not preempted.</p><p data-block-key="39kbt">The CFPB’s request for comment reflects the important role that public participation in preemption determinations plays in safeguarding state consumer protection efforts and the need for the federal government to follow such requirements where applicable.</p><p data-block-key="4tkg6">Read <a href="/rules-policy/notice-opportunities-comment/archive-closed/notice-of-intent-to-make-preemption-determination-under-truth-in-lending-act/"><i>Notice of Intent to Make Preemption Determination under the Truth in Lending Act</i></a>. The deadline for submitting comments is January 20, 2023.</p>
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