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July 20, 2010

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Iowa Consumer Protection News

Federal Reserve Alerted The Public To Instances Of Questionable Solicitations Directed At Homeowners

The Federal Reserve has received inquiries and complaints from recipients of direct mail solicitations that suggest there is a "Community Reinvestment Act (CRA) program" that entitles certain homeowners to cash grants or equity disbursements. Some of these solicitations may be read to indicate that the Federal Reserve endorses or supports the offers they contain. These solicitations appear to be a deceptive effort to encourage consumers to apply for a mortgage loan secured by the consumer's home. The Federal Reserve cautions the public about loan solicitations or other offers from lenders or mortgage brokers that offer consumers cash grants or equity disbursements as part of a "CRA Program." No such federal programs exist and these programs are not required by the CRA.

The Community Reinvestment Act is a federal law that was enacted in 1977. It encourages depository institutions to help meet the credit needs of their communities, including low- and moderate-income neighborhoods, in ways that are consistent with safe and sound banking operations. The CRA does not entitle individuals to any grants or loans. Read more at federalreserve.gov

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Did You Know?

Phishing is a general term for criminals creation and use of e-mails and websites

	Newsroom
	Latest news about Consumer Protection cases in Iowa and nationwide: National Restaurant Company Settles FTC Charges For Deceptive Gift Card Sales Darden Restaurants Inc., which owns restaurant chains Olive Garden, Red Lobster, Smokey Bones, and Bahama Breeze, has agreed to settle Federal Trad... Read more > FDIC Highlights Consumer Education Tools On Fraud Prevention The Federal Deposit Insurance Corporation (FDIC), in observance of National Consumer Protection Week (NCPW) February 5-11 and its theme of fraud pr... Read more > Firestone Tire Recall On November 8, 2001, a lawsuit and settlement with Bridgestone/Firestone, Inc. was announced to resolve C... Read more > More Consumer Protection News >

Consumer Protection Lawyers.com Terms

Today's Terms

Lessee

Definition:
The party to whom the item is leased. In a consumer lease, the lessee is you, the consumer. The lessee is required to make payments and to meet other obligations specified in the lease agreement.

Bogus Invoices

Definition:
Con artists send bogus invoices for what appear to be phone directory listings or for office supplies that were never ordered or delivered, hoping that no one will check before paying them.

Implied warranties

Definition:
under state law, consumers are guaranteed certain implied warranties. A “warranty of merchantability” comes automatically with every sale and is the seller’s promise that a product is fit for its ordinary use.

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Consumer Hot Topics

Topics Related to Consumer Protection:

Automobile Repair
Buying a Car
Buying a Hearing Aid
Buying or Selling a Home
Cable Television
Charitable Giving

Iowa Consumer-Protection Attorney

If you live in the following cities and need an Consumer-Protection attorney you should contact our Consumer-Protection Attorney as soon as possible:

Ames
Ankeny
Bettendorf
Burlington
Cedar Falls
Cedar Rapids
Clinton
Council Bluffs
Davenport
Des Moines
Dubuque
Fort Dodge

Iowa City
Marion
Marshalltown
Mason City
Muscatine
Newton
Ottumwa
Sioux City
Urbandale
Waterloo
West Des Moines

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