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Consumer Education


FDIC Consumer News
The latest issue of FDIC Consumer News features tips on preparing financially for such events, plus basic strategies for helping family members or others who are facing a personal hardship. The Summer 2014 edition also reports on enhancements to the FDIC Web pages explaining deposit insurance, tips for rebounding from a bad credit history, and basics to know about new credit and debit cards that contain a computer chip for added security.


Consumer Financial Protection Bureau (CFPB)
Congress established the CFPB in 2010 to carry out Federal consumer financial laws, conduct rule-making, supervision, and enforcement for such laws, restrict unfair or deceptive practices, promote financial education, research consumer behavior, monitor financial markets for new risks to consumers. Visit their web site here.


The Financial Literacy and Education Commission

The Financial Literacy and Education Commission offers a newly redesigned financial literacy education web site here. It contains financial information from the 21 federal agencies, departments and bureaus that comprise the FLEC. It also provides money management tools, including a financial savings calculator, worksheets for establishing a household budget and a college preparation checklist.

Georgia Consortium for Financial Literacy
The Georgia Consortium for Personal Financial Literacy helps Georgians make wise decisions by promoting a supportive business community, educational institutions, and media, legal and regulatory systems. See what they offer here.

Payday Loans
The Consumer Federation of America provides information about high-cost small dollar loans, including payday loans, car title loans, bank overdrafts, and refund anticipation loans here. For payday loans, consumers can click on their state to check the legal limits and requirements that apply and to find contact information for their state regulators. Research and reports, testimony and consumer advice are also available on the website.

Overdraft Protection
A new online publication from the Federal Reserve Board will help consumers better understand rules effective July 1, 2010, that prohibit banks from charging overdraft fees for ATM and one-time debit card transactions unless a consumer consents, or opts in, to the overdraft service for those types of transactions. Learn more about this here

Money Smart by FDIC

Money Smart provides a financial education curriculum designed to help consumers understand basic financial services, develop money-management skills and learn how to use banking services effectively. The FDICís updated curriculum incorporates recent changes to the law and industry practices. Updates to the curriculum reflect changes in amendments pertaining to credit card rules, the overdraft opt-in rule and more. Additionally, a new financial recovery module is available. Visit the Money Smart web site here.

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