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The Latest Breaking News from CFPB

Mortgage Rates Just Topped 7%: What Buyers Already Under Contract Should Do About Their Rate Lock

If you signed a purchase contract sometime in late summer, the past six weeks have probably felt like watching the ground shift under a house you haven't closed on yet.

inkl · Oct 23

"The Three Words That Explain American Government: 'Right to Sue,'" by Stanford Law Prof. Diego Zambrano

I read and much enjoyed—and highly recommend—my Stanford colleague Diego Zambrano's book, How Americans Enforce the Law. He was kind… The post "The Three Words That Explain American Government: 'Right to Sue,'" by Stanford Law Prof. Diego Zambrano appeared first on Reason Magazine.

Reason · Oct 21

Your Bank Suddenly Locks Online Access — Can You Still Get Cash at a Branch?

If your bank suddenly locks your online access, you may still be able to walk into a branch and withdraw cash. The catch is that a locked password, a disabled app, and a frozen account are three very different problems, and the distinction can determine whether a teller hands over…

The Free Financial Advisor · Oct 8

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Your Dad Still Handles All the Money — Does Your Mom Know Where Everything Is?

In many long marriages, one spouse naturally becomes the household’s chief financial officer. Dad pays the bills, manages the investments, renews the insurance, talks to...

Saving Advice · Oct 7

Your Parent Gives a Caregiver Access to the Bank Account — What Should the Family Watch For?

A parent who needs help buying groceries, paying bills, or getting to appointments may eventually decide that giving a caregiver access to a bank account...

Saving Advice · Oct 7

A Bank Closes Your Account — How Do You Get Your Money Back?

A bank can close a checking or savings account without asking for permission, and sometimes the customer finds out only after a debit card stops working. That can create a particularly ugly problem if several thousand dollars were sitting in the account.

The Free Financial Advisor · Oct 7

Your Bank Freezes a $20,000 Transfer — How Long Can It Hold Your Money?

A $20,000 bank transfer can turn a routine payment into a frustrating waiting game. Your bank may stop the transaction because its fraud systems flagged something unusual, but that does not mean every $20,000 transfer can sit in limbo for as long as the bank wants.

The Free Financial Advisor · Oct 7

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Moving $50,000 Between Your Own Bank Accounts? Here’s What Can Trigger a Fraud Review

Moving $50,000 from one bank account you own to another does not automatically make you suspicious. It can, however, make a bank’s fraud and compliance systems pay closer attention to the transaction.

The Free Financial Advisor · Oct 7

8 Things That Stop Feeling Like Emergencies Once You Have $25,000 Saved

There is a point in saving money when an unexpected expense stops automatically meaning panic, debt, or a frantic search for something you can sell....

Saving Advice · Oct 6

Your Parents Say They Don’t Need Help — 8 Financial Signs That May Tell a Different Story

Your parents may insist they’re perfectly capable of handling their own money, and in many cases, they’re absolutely right. Getting older doesn’t automatically mean someone...

Saving Advice · Oct 5

You’re Still Paying for Last Month’s Groceries — Is Buy Now, Pay Later Helping or Hurting?

Buy Now, Pay Later can make a $160 grocery bill look much friendlier at checkout. Instead of handing over the entire amount, a shopper might split the purchase into several smaller payments. The trouble starts later, when the groceries have disappeared but the payments keep arriving.

The Free Financial Advisor · Oct 5

New Federal Financial Literacy Strategy Targets Saving, Investing and Scams — 4 Areas Americans Should Know

Knowing how to balance a checkbook isn’t enough to be financially literate anymore. Americans now have to navigate online banking, digital payments, investment platforms, increasingly...

Saving Advice · Oct 5

Can A New Smartphone Ruin Your Budget?

A new smartphone can quietly become a budget problem long after the excitement of opening the box disappears. The phone itself may cost hundreds or even more than $1,000, but the real strain can come from the payment plan, wireless service, accessories, insurance, and other recurring charges attached to it.

The Free Financial Advisor · Oct 3

Mortgage Rates Are Over 7%-Here’s How You Can Still Afford That House

Mortgage rates have pushed back above 7%, making the price tag on a house only part of the affordability problem. Freddie Mac reported a 7.28% average for a 30-year fixed mortgage on October 1, up from 7.03% the previous week.

The Free Financial Advisor · Oct 3

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The Free Financial Advisor · Oct 3

The Bank Declines a Large Purchase Even Though You Have the Money — What Happens Next?

A bank can decline a large debit-card purchase even when your account shows more than enough money to cover it. That does not necessarily mean the bank thinks you are broke. The transaction may have hit a daily purchase limit, triggered a security system, or run into a problem with…

Saving Advice · Oct 2

8 Financial Problems That Mostly Disappear Once You Have a Real Emergency Fund

An emergency fund doesn’t make car transmissions last longer, keep furnaces from breaking, or guarantee you’ll never lose a job. What it can do is...

Clever Dude · Oct 2

Your BNPL Payment Overdraws Your Bank Account — Was the “Interest-Free” Purchase Still Free?

Your BNPL purchase can carry a zero-interest price tag and still cost more than expected. The problem may not come from the purchase itself. It can arrive later, when an automatic installment hits a checking account that has less money available than the payment requires.

Clever Dude · Oct 2

Would You Rather Have a $700 Car Payment or $100,000 More at Retirement?

A $700 car payment can look manageable on a monthly budget while quietly competing with retirement savings. The comparison gets sharper when that same $700 could grow into six figures through long-term investing.

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Saving Advice · Oct 1

Parents With Nothing Saved Inherit $340,000 — Their Adult Child Wants Control of the Money

Imagine your parents have reached retirement age with virtually nothing saved when an unexpected inheritance of $340,000 suddenly lands in their laps. Instead of feeling...

Saving Advice · Oct 1

Your Parents Are Spending Your “Inheritance” on Travel — Do Adult Kids Have Any Right to Care?

Your parents just booked another cruise; they’re talking about spending three weeks in Europe next summer, and you’re quietly doing the math on what all...

The Free Financial Advisor · Oct 1

Carrying $10,000 on a Credit Card? Here’s What a Year of Interest Can Cost

Carrying a $10,000 credit card balance for a year can cost thousands of dollars in interest, even if the cardholder never adds another purchase. The exact amount depends on the card’s APR, payment schedule, and how the issuer calculates interest.

The Free Financial Advisor · Sep 30

The Mortgage Market Is Sending Two Opposite Signals—Here’s What Buyers Should Know

Mortgage lending is picking up, yet getting a mortgage has not necessarily become easier. That contradiction sits at the center of the housing market right now.

The Free Financial Advisor · Sep 30

Your Credit Limit Jumped to $30,000: Asking the Bank to Lower It Can Cost You Points Before a Mortgage

A credit card issuer just raised your limit to $30,000, and your first reaction might be to ask for a smaller number. That can feel sensible if a huge limit seems like an invitation to overspend, but lowering it can create a credit-score problem before a mortgage application.

The Free Financial Advisor · Sep 29

8 Signs Your Debt Is Becoming a Retirement Problem Instead of a Budget Problem

Debt becomes a retirement problem when monthly payments start affecting more than this month’s cash flow. The warning signs often appear years before retirement, through decisions that quietly reduce savings, limit flexibility, or force future income to cover yesterday’s purchases.

Clever Dude · Sep 29

Unmarried and Splitting the House: The Deed Wording That Decides Who Keeps the Equity

An unmarried couple can share a mortgage, a house, and years of payments without automatically owning the property in equal shares. The wording on the deed can determine each person’s ownership interest, which can become very consequential when the relationship ends.

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