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Board of Governors of the Federal Reserve System
Federal Reserve Board of Governors

Consumer Information

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Phone: 202-452-3245

Fax: 202-728-5886
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Send order form (48 KB PDF)
Board of Governors of the
Federal Reserve System
Publications Fulfillment
Mail Stop N-127
Washington, DC 20551

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All consumer brochures, guides, and booklets below are suitable for classroom use. Up to 100 printed copies are available without charge, additional are $0.25 each.

5 Tips for Avoiding Foreclosure Scams

5 Consejos para evitar estafas en la ejecución hipotecaria

Offers ways to protect yourself when seeking help with keeping your home.

5 Tips for Dealing with a Home Equity Line Freeze or Reduction

5 consejos para hacer frente a la reducción o congelamiento de una línea de crédito con garantía hipotecaria

Explains consumers' rights and lenders' responsibilities when credit lines are reduced and provides information for those seeking to have a credit line reinstated.

5 Tips for Getting the Most from Your Credit Card

5 Consejos para obtener más ventajas de su tarjeta de crédito

Suggests do's and don'ts to manage your credit card account and help maintain a high credit score.

5 Tips for Improving Your Credit Score

5 Consejos para mejorar su puntaje de crédito

Explains how to obtain your credit report, how credit scores are determined, how to verify reported information, and how to improve and maintain a good credit score.

5 Tips for Protecting Your Checking Account

5 Consejos para proteger su cuenta bancaria

Explains ways to protect your account from scam artists and tells you who to contact if you notice a problem with your checking account.

5 Tips for Protecting Your Home from Foreclosure

5 Consejos para proteger su casa de la ejecución de su hipoteca

Steps to take to protect your home from foreclosure. Also provides links to several websites for additional help.

5 Tips for Shopping for a Mortgage

5 Consejos para obtener una hipoteca

Gives you key points to help you choose the mortgage that is best for you. Provides tips on determining your budget, understanding pricing and fees, comparing loan options and gathering information from trusted resources.

Consumer Guide to Check 21 and Substitute Checks

Guía del consumidor sobre Check 21 y cheques sustitutos

Describes changes in check processing due to Check 21 and other check-system improvements.

A Consumer's Guide to Mortgage Lock-Ins

Explains mortgage rate-locks--fees involved, options for setting terms, loan approval process, and lender rate commitments. Provides a list of questions to ask your lender and tips to speed up the approval process.
Online: English  Print: Order Form

A Consumer's Guide to Mortgage Refinancings

Helps you answer the questions Should I, Can I, and How do I refinance my mortgage loan? Includes worksheets to help you determine whether refinancing will pay off for you and to help you shop for a mortgage loan to fit your financial situation. Also includes tips to help you through the refinancing process.
Online: English   Print: English (434 KB PDF)

A Consumer's Guide to Mortgage Settlement Costs

Outlines the fees involved in home purchase settlement, including mortgage and lender fees, and charges for establishing and transferring ownership. Provides information on settlement cost estimates and includes a settlement cost worksheet.

Consumer Handbook on Adjustable Rate Mortgages

Identifies the basic features of adjustable rate mortgages: adjustment periods, interest rate caps, indexes, and margins. Includes cautions about discounts, payment caps, negative amortization, and prepayments. Provides a glossary of key terms and a checklist to compare mortgage lender rates.

How to File a Consumer Complaint about a Bank

Cómo puede un consumidor presentar una queja sobre un banco

Information on the types of complaints that the Federal Reserve investigates and how to file a complaint. Explains the major consumer protection laws that protect individuals.
Online: English | Español

Keys to Vehicle Leasing: A Consumer Guide

Consejos para arrendar un vehículo, Guía del consumidor

Guidance for consumers on leasing a vehicle, including information on consumer rights, a sample leasing form explaining costs, and definitions of terms used in vehicle leasing.
Online: English | Español  Print: Order Form

Privacy Choices for Your Personal Financial Information

Guidance on making informed choices about whether to share personal financial information with financial companies. Explains the right to opt out of sharing some personal information and lists the types of personal information that financial companies can share.
Online: English   Print: English (83 KB PDF)

Protecting Yourself from Overdraft and Bounced-Check Fees

Protéjase de los cargos por cheques rebotados y sobregiros

Explains courtesy overdraft-protection, or bounce coverage, plans, and the costs involved. Provides guidance on how to avoid overdraft fees.

A Series on the Structure of the Federal Reserve System

Details the main elements and functions of the Federal Reserve System in four parts: Board of Governors, Federal Open Market Committee, Federal Reserve Banks, Board of Directors.
Online: English

There's a Lot to Learn about Money

Illustrates the importance of budgeting, saving, and managing money.
Online: N/A   Print: English (188 KB PDF)

What You Should Know about Home Equity Lines of Credit

Information on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan.

When Is Your Check Not a Check? Electronic Check Conversion

¿Cuándo no es su cheque un cheque? Intercambio electrónico de cheques

Explains the electronic check conversion process and outlines consumer rights.
Last update: January 23, 2014