CFPB: Consumer Financial Protection Bureau

CFPB Bulk Publications

Order free Consumer Financial Protection Bureau Publications.

The central mission of the Consumer Financial Protection Bureau (CFPB) is to make markets for consumer financial products and services work for Americans—whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.

You may download products by clicking on each product's name, and download Adobe Reader to view the products. Please allow 3–4 weeks for delivery.

For single copies or small quantities, place your order of CFPB publications at Publications.USA.gov.


Booklet coverShopping for a mortgage? (Booklet) (105 Kb)
This detailed booklet helps consumers understand the federal rules that protect them when they’re shopping for a new mortgage. It can be downloaded and printed from your computer.

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Booklet coverHave a mortgage? (Booklet) (74.6 Kb)
This detailed booklet helps consumers understand the federal rules that protect them as they manage their current mortgage. It can be downloaded and printed from your computer.

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Booklet coverTake control to avoid foreclosure – a checklist for consumers (81.5 Kb)
This short checklist provides troubled borrowers with quick action steps to get help and find out about options to avoid foreclosure.

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Booklet coverWhat the new CFPB mortgage rules mean for families and homeowners (112.07 Kb)
This detailed guide is useful for housing counselors and others who need a step-by-step, detailed breakdown of the CFPB foreclosure procedures and mortgage servicing policies related to loss mitigation applications.

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Booklet coverTips for homebuyers: Make the most of the new CFPB mortgage rules (72.64 Kb)
In one page, find out how you can take advantage of federal mortgage rules to keep your mortgage-related fees low, get better information about market prices and make sure you are getting advice that is in your best interest.

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Booklet coverThe 2014 “Make the most of your mortgage” checklist (69.76 Kb)
Explains how consumers can get important information about their mortgage, check for delays in posting mortgage payments, fix mistakes by mortgage servicers and avoid foreclosure.

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Spanish booklet coverTome el control para evitar ejecuciones hipotecarias (“Foreclosure”): una lista de acción para los consumidores (83.18 Kb)
Este folleto contiene información de los pasos que le ayudarán a usted y a su familia a averiguar si tiene opciones para evitar la ejecución hipotecaria (“Foreclosure”).

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Spanish booklet coverLo que significan las nuevas normas hipotecarias del CFPB para las familias y los propietarios de viviendas (137.85 Kb)
Este folleto describe las nuevas normas hipotecarias que hacen más claro los procesos y reducen las evasivas y las sorpresas que afectaron a los propietarios de viviendas durante y después de la crisis financiera.

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Consejos para los compradores de vivienda:  Saque el máximo beneficio de las nuevas normas hipotecarias de la CFPBConsejos para los compradores de vivienda: Saque el máximo beneficio de las nuevas normas hipotecarias de la CFPB (88.38 Kb)
Este folleto explica cómo usted puede aprovechar las normas hipotecarias del CFPB para mantener los costos bajos, obtener información acerca de precios, y asegurarse de quien lo aconseje sea para beneficio suyo.

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Spanish booklet coverLa lista de acción 2014 "Aproveche al máximo su hipoteca" (77.13 Kb)
Explica cómo los consumidores pueden obtener información, verificar si hay retrasos en sus pagos hipotecarios, corregir los errores que cometen las instituciones y evitar la ejecución hipotecaria.

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Spanish booklet cover¿Tiene una hipoteca? Lo que puede esperar bajo las normas federales (88.3 Kb)
Esta publicación explica las normas federales que protegen a los consumidores que tienen hipotecas.

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Spanish booklet cover¿Buscando una hipoteca? Lo que puede esperar bajo las normas federales (97.6 Kb)
Esta publicación le explica la normas federales que protegen a los consumidores que van a comprar una casa y por lo tanto obtener un préstamo o hipoteca.

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Accounts


Do You Know If You Have Opted in for Debt and ATM Overdraft Coverage? document coverDo You Know If You Have Opted in for Debt and ATM Overdraft Coverage? (178 Kb)
What you must know about debit card and ATM overdraft coverage. Plus, how to reduce or eliminate debit card and ATM overdraft fees.

Keep a Lid on Checking Account FeesKeep a Lid on Checking Account Fees (178 Kb)
Six steps to reduce your checking account fees.

Moving Your Checking Account Checklist document coverMoving Your Checking Account Checklist (175 Kb)
A 10–step checklist for closing your current checking account and opening a new checking account.

CFPB Brochures

ASK CFPB BookmarkASK CFPB Bookmark (154 Kb)
Two bookmarks: #1 highlights the Consumer Finance Protection Board's "Ask the CFPB" program #2 Encourages consumers to share their financial services experiences through the CFPB's

Consumer Financial Protection Bureau - CFPBConsumer Financial Protection Bureau – CFPB (831 Kb)
How the Consumer Financial Protection Bureau empowers consumers through financial education, market supervision, and enforcement of financial protection laws.

How to Submit a Complaint coverHow to Submit a Complaint (96 Kb)
This brochure explains to consumers how to submit a complaint to the CFPB. Includes contact information and the issues that we are taking complaints about.

Unwrapping Gift Cards.  Know the Terms and Avoid  SurprisesUnwrapping Gift Cards. Know the Terms and Avoid Surprises (86 Kb)
This brochure explains the rights consumers have when it comes to gift cards. It also explains what to do if you give or get gift cards.

Your Disaster Checklist coverYour Disaster Checklist (106 Kb)
This is a checklist to help consumers gather the financial information they would need after an emergency. It contains spaces for account information and customer service numbers as well as checklists of other important documents they should have in case of an emergency.

Credit


Act Fast if You Can't Pay Your Credit Cards document coverAct Fast if You Can't Pay Your Credit Cards (132 Kb)
Three steps to take when you don't have enough money to pay your credit card bill. How to avoid debt-counseling scams.

Check your Credit Report document coverCheck Your Credit Report (102 Kb)
Free ways to check your credit report to find and fix mistakes, update your information, and guard against identity theft.

Credit Discrimination is Illegal document coverCredit Discrimination is Illegal (157 Kb)
Eight warning signs of credit discrimination and what to do if you believe you've been discriminated against.

How to Find the Best Credit Card for You coverHow to Find the Best Credit Card for You (153 Kb)
Consumers may not be aware that add-on services are optional or cost more. This consumer advisory warns consumers to watch out for these extra fees.

How to Stop Mystery Credit Card Fees coverHow to Stop Mystery Credit Card Fees (28 Kb)
Eight warning signs of credit discrimination and what to do if you believe you've been discriminated against.

Pay Attention to Your Credit Report document cover

Pay Attention to Your Credit Report (113 Kb)
Steps to get and keep a good credit score. Find out what helps and what hurts your credit score.

You Have a Right to See Specialty Credit Reports

You Have a Right to See Specialty Credit Reports (69 Kb)
Consumers may not know about all the specialty credit reporting agencies collecting information about them. This consumer advisory instructs consumers that these agencies exist and that they have the right to get free reports every 12 months.

Money Management


Fact sheet coverMy New Money Goal (92.1 Kb)
Having a plan is the easiest way to reach new money goals, navigate changes in income, or switch priorities in our lives. You would not start a road trip without mapping it out first, and the same is true with your finances. This guide will help you gain a clear view of where your money goes now so you can more easily decide where you want it to go in the future.

My New Money Goal document coverRemittance Transfer Rule Factsheet for Stakeholders View More Details (123 KB)
This detailed factsheet is designed to help stakeholders, counselors, instructors and others explain the remittance transfer rule, its protections and consumer rights. It explains when the rule applies, to whom, the information given to consumers and what to do if errors occur. This two–page factsheet is also available in Spanish. 

Save Some & Spend Some document coverSave Some & Spend Some (354 Kb)
Free and easy ways to split your tax refund between accounts so you can spend some and save some of your money.

Flier coverSend Money Abroad With More Confidence (Flier) (78.38 KB)
This 8.5–by–11–inch flier is perfect for downloading and printing from your computer. It reminds senders of international money transfers that new protections are available to them. This flier is also available in Spanish, Chinese, French–Creole and Tagalog.

Poster coverSend Money Abroad With More Confidence (Poster) (86.65 KB)
Help senders of international money transfers learn about the new protections and rights available to them with this 24–by–36–inch poster. The poster contains the CFPB's phone number and Web address for more information, or order Send money abroad with more confidence brochures and consumer factsheets too. This poster is also available in Spanish, Chinese, French-Creole and Tagalog.

Brochure coverSend Money Abroad With More Confidence(Brochure) (100.30 KB)
This 3.75–by–8.5–inch brochure outlines the new protections now available to senders of international money transfers. It also reminds consumers that not all companies that send international money transfers are covered by the new federal rule. This brochure is also available in Spanish, Chinese, French-Creole and Tagalog. 

Fact sheet coverSend Money Abroad With More Confidence (Fact Sheet) (92.64 KB)
This fact sheet offers consumers a more detailed explanation about their new rights and protections when they send international money transfers covered by a new federal rule. This single–side 8.5–by–11–inch fact sheet can be downloaded and easily printed.  

Mortgages


Act Fast to Avoid Foreclosure document coverAct Fast to Avoid Foreclosure (159 Kb)
What to do when you can't afford your mortgage payment. Lists what you need to have in hand when you make the call for help.

Considering a Reverse MortgageConsidering a Reverse Mortgage (105 Kb)
Important questions to ask when you talk to a housing counselor about your reverse mortgage options and alternatives.

Need Help With Your Mortgage?  Don't Get ScammedNeed Help With Your Mortgage? Don't Get Scammed (88 Kb)
This brochure describes what a mortgage relief scams are and offers tips on how to spot and avoid them. It also includes information on how to get help.

Special Populations


CFPB Office of Servicemember Affairs document coverCFPB Office of Servicemember Affairs (434 Kb)
How the CFPB provides servicemembers, military families and veterans with information and tools to make wise financial decisions and avoid unfair financial business practices.

Know Your Financial Adviser coverKnow Your Financial Adviser (83.1 Kb)
Important questions to ask when you are shopping for financial advice or services.

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CFPB Office of Servicemember Affairs document coverManaging Someone Else's Money: Help for Guardians of Property and Conservators (246 KB)
This guide helps family members and others understand their role as a court appointed guardian of property or conservator. It provides tips on making financial decisions for someone else as well as protecting assets from fraud and scams.

CFPB Office of Servicemember Affairs document coverManaging Someone Else's Money: Help for Agents Under a Power of Attorney (217 KB)
This guide helps family members and others understand their role as an agent. It provides tips on making financial decisions for someone else as well as protecting assets from fraud and scams.

CFPB Office of Servicemember Affairs document coverManaging Someone Else's Money: Help for Representative Payees and VA Fiduciaries (271 KB)
This guide helps family members and others understand their role when a government agency names them to manage someone elses benefit payment or pension.It provides tips on making financial decisions for someone else as well as protecting assets from fraud and scams.

CFPB Office of Servicemember Affairs document coverManaging Someone Else's Money: Help for Trustees Under a Revocable Living Trust (246 KB)
This guide helps family members and others understand their role as a trustee.It provides tips on making financial decisions for someone else as well as protecting assets from fraud and scams.

Money Smart for Older Adults: Prevent Financial Exploitation cover Money Smart for Older Adults: Prevent Financial Exploitation (584 KB)
This guide provides information on common frauds, scams and other forms of elder financial exploitation and suggests steps that older persons and their caregivers can take to avoid being targeted or victimized.

To request a Money Smart presenter for your community event or for information on the Money Smart for Older Adults Instructor Training, go to http://www.fdic.gov/consumers/consumer/moneysmart/

IMPORTANT! Backordered. Won't be shipped until new stock becomes available.


CFPB Annual ReportFinancial Literacy Annual Report (299 KB)
The report details the CFPB's strategy and three-pronged approach to improving financial literacy opportunities for consumers: education initiatives, evidence-based research, and outreach to consumers and financial education stakeholders.

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Policy Recommendations For Advancing K-12 Financial Education Policy Recommendations For Advancing K-12 Financial Education
These policy recommendations are articulated in a white paper that provides an overview of the financial decision-making context that Americans navigate, surveys some existing efforts in the K–12 financial education field, and addresses each of these elements with a comprehensive youth financial education strategy.

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En Español

CFPB Folleto


Spanish version: Cómo 'desenvolver' las tarjetas de regalo. Conozca los términos y evite sorpresasCómo 'desenvolver' las tarjetas de regalo. Conozca los términos y evite sorpresas (123 Kb)
Este folleto explica los derechos que tienen los consumidores sobre las tarjetas de regalo. También explica qué hacer si usted da o recibe tarjetas de regalo.

Comparta su opinión (bookmark)Comparta su opinión (bookmark) (47.3 Kb)
Este folleto explica los derechos que tienen los consumidores sobre las tarjetas de regalo. También explica qué hacer si usted da o recibe tarjetas de regalo.

Consulte al CFPBConsulte al CFPB (102 Kb)
Dos separadores de páginas: el número 1 destaca el programa 'Ask the CFPB' – 'Pregúntale al CFPB' y el número 2 alienta a los consumidores a compartir sus experiencias con servicios financieros a través del programa de CFPB 'Tell Us Your Story' – 'Cuéntanos tu historia'.

Spanish version: Lista de control en caso de desastresLista de control en caso de desastres (121 Kb)
Esta es una lista de comprobación para ayudar a los consumidores a recoger la información financiera que necesitan tener después de una emergencia. Contiene espacios para la información de la cuenta y los números de servicio al cliente, así como listas de comprobación de otros documentos importantes que deben tener en caso de una emergencia.

Spanish version: Oficina para la Protección Financiera del Consumidor (CFPB)Oficina para la Protección Financiera del Consumidor (CFPB) (153 Kb)
La Oficina para la Protección Financiera del Consumidor ayuda a los consumidores ofreciendo educación, supervisando el mercado de productos financieros y haciendo cumplir las leyes

Spanish version: Presente su quejaPresente su queja (107 Kb)
Este folleto explica a los consumidores sobre cómo presentar una queja a la CFPB. Incluye información de contacto y los temas sobre los cuales estamos aceptando quejas. 

Crédito


Spanish version: Cómo encontrar la mejor tarjeta de crédito para ustedCómo encontrar la mejor tarjeta de crédito para usted (162 Kb)
Este folleto de cuatro páginas instruye al consumidor sobre lo que debe buscar a la hora de pensar en obtener una tarjeta de crédito. Los exhorta a tener en cuenta diferentes plazos y tasas, e incluye instrucciones sobre la transferencia de saldos.

Spanish version: Cómo suspender las misteriosas tasas de las tarjetas de créditoCómo suspender las misteriosas tasas de las tarjetas de crédito (251 Kb)
Los consumidores pueden no ser conscientes de que los servicios complementarios son opcionales o pueden costar más. Esta advertencia al consumidor exhorta a los consumidores a tener cuidado con estos cargos adicionales.

Spanish version: Pay Attention to Your Credit Report document coverPreste atención a su informe crediticio (51 Kb)
Pasos para tener y mantener un buen puntaje crediticio. Descubra los aspectos que favorecen y que dañan su puntaje crediticio.

Spanish version: Act Fast if You Can't Pay Your Credit Cards document coverSi no puede pagar su tarjeta de crédito, actúe con rapidez (359 Kb)
Tres pasos que debe seguir cuando no tiene dinero suficiente para pagar la cuenta de la tarjeta de crédito. Cómo evitar las estafas de asesores de deuda.

Spanish version: Check your Credit Report document coverVerifique su informe crediticio al menos una vez al año (332 Kb)
Formas gratuitas de verificar su informe crediticio para buscar y solucionar problemas, actualizar su información y protegerse contra el robo de identidad.

Spanish version: Usted tiene derecho a ver informes de crédito especializadosUsted tiene derecho a ver informes de crédito especializados (107 Kb)
Los consumidores pueden no saber acerca de todas las agencias de informes de crédito especializados que recogen información acerca de ellos. Esta advertencia al consumidor instruye a los consumidores sobre la existencia de estas agencias y sobre su derecho a obtener informes de crédito gratuitos cada 12 meses.

Cuenta Financiera


Spanish version: Keep a Lid on Checking Account FeesControle los cargos de las cuentas corrientes (345 Kb)
Seis pasos para reducir los cargos de su cuenta corriente.

Spanish version: Considering a Reverse Mortgage¿Está pensando en una hipoteca revertida? (407 Kb)
Preguntas importantes que debe formular cuando habla con un consejero de vivienda sobre las opciones y alternativas de su hipoteca revertida.

Spanish version: Moving Your Checking Account Checklist document coverListado de control para el cambio de la cuenta corriente (284 Kb)
Lista 10 pasos para cerrar su cuenta corriente actual y abrir una nueva.

Spanish version: Do You Know If You Have Opted in for Debt and ATM Overdraft Coverage? document cover¿Sabe si ha optado por la cobertura de los sobregiros por débitos o cajeros ATM? (58 Kb)
Todo lo que debe saber sobre la cobertura de los sobregiros por tarjeta de débito o cajeros ATM. Además, cómo reducir o eliminar los cargos de los sobregiros por tarjetas de débito o cajeros ATM.

Hipoteca


Spanish version: Act Fast to Avoid Foreclosure document cover¿Necesita ayuda con su hipoteca? No se deje engañar (108 Kb)
Este folleto describe lo que es un fraude de asistencia para hipotecas y ofrece consejos sobre cómo detectar y evitar dichas prácticas. También incluye información sobre cómo obtener ayuda.

Spanish version: Act Fast to Avoid Foreclosure document coverActúe con rapidez para evitar la ejecución hiptecaria (86 Kb)
Qué hacer cuando no puede pagar la hipoteca. Proporciona una lista de lo que debe tener al momento de llamar en busca de ayuda.

Manejo de Dinero


Spanish version: Ahorra una parte y gasta otraAhorra una parte y gasta otra (349 Kb)
Una forma gratis y fácil de dividir tu rembolso de tus impuestos y depositarlo en cuentas diferentes. Así podrás ahorrar una parte y gastar otra.

Spanish flier cover

Envíe dinero al con más confianza (Spanish flier) (85.45 KB)
Este volante es perfecto para descargar o imprimir desde su computadora. Explica a las personas que envían remesas fuera de los Estados Unidos los costos y las nuevas normas que rigen estas transferencias de dinero.

""Envíe dinero al exterior con más confianza (Spanish poster) (86.65 KB)
Ayude a las personas que envían remesas fuera de los Estados Unidos a conocer las protecciones y derechos disponibles con este poster de 24 x 36 pulgadas. El poster tiene el teléfono y sitio web de CFPB para obtener más información.

""Envíe dinero al exterior con más confianza (Spanish brochure) (100.30 KB)
Este folleto describe las nuevas normas que protegen a las personas que envían remesas fuera de los Estados Unidos.  

""Envíe dinero al exterior con más confianza (Spanish factsheet) (96.81 KB)
Esta hoja informativa explica a las personas que envían remesas fuera de los Estados Unidos los derechos que los protegen. Esta hoja informativa es perfecta para descargar o imprimir desde su computadora.

""Información sobre las normas de transferencias de remesas (Spanish factsheet) (122 KB)
Esta hoja informativa detalla las normas sobre las transferencias de remesas. Los consejeros e instructores pueden utilizar esta información para ayudar a los consumidores a entender la nueva norma de transferencias de remesas, cuánto deben pagar y qué pueden hacer si una transferencia sale mal.

Other Languages


CHINESE


""Send Money Abroad With More Confidence (Chinese flier) (95.90 KB)
This 8.5–by–11–inch flier is perfect for downloading and printing from your computer. It reminds senders of international money transfers that new protections are available to them.

""Send Money Abroad With More Confidence (Chinese poster) (90.62 KB)
Help senders of international money transfers learn about the new protections and rights available to them with this 24–by–36–inch poster. The poster contains the CFPB's phone number and Web address for more information, or order Send money abroad with more confidence brochures and consumer factsheets too.

""Send Money Abroad With More Confidence (Chinese brochure) (136.27 KB)
This 3.75–by–8.5–inch brochure outlines the new protections now available to senders of international money transfers. It also reminds consumers that not all companies that send international money transfers are covered by the new federal rule.

""Send Money Abroad With More Confidence (Chinese factsheet) (127.68 KB)
This factsheet offers consumers a more detailed explanation about their new rights and protections when they send international money transfers covered by a new federal rule. This single-side 8.5-by-11-inch fact sheet can be downloaded and easily printed.

FRENCH-CREOLE


""Send Money Abroad With More Confidence (Flier) (72.65 KB)
This 8.5-by-11-inch flier is perfect for downloading and printing from your computer. It reminds senders of international money transfers that new protections are available to them. This flier is also available in Chinese, French-Creole and Tagalog.

""Send Money Abroad With More Confidence (French-Creole poster) (73.37 KB)
Help senders of international money transfers learn about the new protections and rights available to them with this 24-by-36-inch poster. The poster contains the CFPB's phone number and Web address for more information, or order Send money abroad with more confidence brochures and consumer factsheets too.

""Send Money Abroad With More Confidence (French-Creole brochure) (87.18 KB)
This 3.75–by–8.5–inch brochure outlines the new protections now available to senders of international money transfers. It also reminds consumers that not all companies that send international money transfers are covered by the new federal rule.

""Send Money Abroad With More Confidence (French-Creole factsheet) (83.11 KB)
This factsheet offers consumers a more detailed explanation about their new rights and protections when they send international money transfers covered by a new federal rule. This single–side 8.5–by–11–inch factsheet can be downloaded and easily printed.

TAGALOG


""Send Money Abroad With More Confidence (Tagalog flier) (71.53 KB)
This 8.5–by–11–inch flier is perfect for downloading and printing from your computer. It reminds senders of international money transfers that new protections are available to them.

""Send Money Abroad With More Confidence (Tagalog poster) (72.30 KB)
Help senders of international money transfers learn about the new protections and rights available to them with this 24–by–36–inch poster. The poster contains the CFPB's phone number and Web address for more information, or order Send money abroad with more confidence brochures and consumer factsheets too.

""Send Money Abroad With More Confidence (Tagalog brochure) (81.78 KB)
This 3.75–by–8.5–inch brochure outlines the new protections now available to senders of international money transfers. It also reminds consumers that not all companies that send international money transfers are covered by the new federal rule.  

""Send Money Abroad With More Confidence (Tagalog factsheet) (81.55 KB)
This factsheet offers consumers a more detailed explanation about their new rights and protections when they send international money transfers covered by a new federal rule. This single–side 8.5–by–11–inch factsheet can be downloaded and easily printed.  




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