Personal Loans, Credit Cards, Pawn Shops
Legal Information
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Automatic Teller Machines and the Law
Downtown, at the mall, at the superstore—everywhere—an automatic teller machine (ATM) is there, ready to give you cash in exchange for a swipe of your plastic and a few magic numbers. That convenience, however, comes with a certain amount of expense and some exposure to risk as well. Content Detail
- By:
- American Bar Association
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Credit
The use of credit is a way of life in the United States. At any one time, about three-fourths of American households have some form of debt, including credit purchases of cars, appliances, clothing, vacation trips and other goods and services. Just over two-fifths of households have loans secured by their homes—in other words, mortgages. This web site will help you understand the rules, regulations, and laws about consumer installment credit, designed to protect you, the consumer. Content Detail
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- American Bar Association
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Credit - An FTC Consumer Law Web Site
This web site contains over 100 documents that deal with credit issues, including credit scams, privacy issues, identity theft, electronic banking and credit cards. The web site also contains information for businesses. The documents may be viewed and printed from the screen or printed in PDF format. Content Detail
- By:
- Federal Trade Commission
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Credit, Debit, and ATM Cards
These plastic cards may look alike – but different rules apply to each. Know the rules…and these cards can make financial transactions safer and more convenient. Fail to understand the rules…and the fees and late payment charges can cost you a lot of money! Content Detail
- By:
- Appleseed Foundation
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Abusive Lending Website of the Federal Trade Commission
This web site contains documents relating to: (1) home equity loans, home equity credit lines and common home equity scams, (2) high rate, high fee mortgages, (3) reverse mortgages, (4) payday loans, and (5) mortgage discrimination. You may view the documents on-line and print them out or print them in PDF format. Content Detail
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- Federal Trade Commission
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Advance-fee Loan Scams
Advance-fee loan sharks are preying on unwary consumers, taking their money for the promise of a loan or credit, and leaving them in hot water. The scam artists often impersonate legitimate lenders to entice consumers into falling for their bogus offer. Content Detail
- By:
- Federal Trade Commission
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Advance-Fee Loan Scams: ?Easy? Cash Offers Teach Hard Lessons
The vast majority of lenders are owned and managed by legitimate professionals. But fraudulent loan brokers and other individuals misrepresenting the availability of credit and credit terms definitely are in business. One of their favorite strategies is the "advance-fee" loan. That's when they guarantee you'll get a loan or other type of credit - but you must pay before you apply. Content Detail
- By:
- Federal Trade Commission
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Auto Title Loans
PDF document (may load slowly). Content Detail
- By:
- South Carolina Appleseed Legal Justice Center
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Avoid Dangerous Loans - Bank on Your Future
Questions to Ask About Loans: Does the interest rate change over time? Are there fees for this service? What is the cost of the interest that I will have paid by the end of the loan period? Are the loan documents available in my primary language? Content Detail
- By:
- Appleseed Foundation
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Borrower Beware: The High Cost of Small Loans, Pawn Brokers and Rent-to-Own Stores
When you need cash, you should beware of some of the companies and people who make loans. This web page tells you what to watch for when you do business with small loan companies, pawn brokers and rent-to-own stores. Content Detail
- By:
- National Consumer Law Center
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Credit Cards and Charge Accounts
Lawline FAQ: A credit card is a convenience which lets the consumer buy goods and services without having to carry cash and checkbooks. This plastic card represents the legal agreement you have with a creditor such as a department store or bank. Content Detail
- By:
- South Carolina Bar Association
