Have you wondered about the financial literacy and personal finance resources offered by the Federal government? We’ve compiled a comprehensive list of all the agencies and resources to help you access government benefits, protect your money and learn about your consumer rights.
US Government Consumer Friendly Website
+ USA.gov is the easy-to-search, free-access website designed to give you a centralized place to find information from U.S. local, state, and federal government agency websites. Find information on virtually any financial benefits and resources available from various government agencies.
Credit Reports and Credit Scores
Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
Get your credit report at www.AnnualCreditReport.com.
Federal Trade Commission
+ Consumer.FTC.gov information on credit reports and credit scores.
Consumer Finance Protection Bureau
+ ConsumerFinance.gov has a database of consumer questions on credit reports and credit scores.
Money and Banking
Help With My Bank
+ MyMoney.gov is the federal government’s website that serves as the one-stop shop for federal financial literacy and education programs, grants and other information. MyMoney.gov is available in English and Spanish.
My Credit Union
+ MyCreditUnion.gov is the National Credit Union Administration consumer website for information on credit unions. Learn about credit unions, find a credit union and calculate your share deposit insurance amount.
+ Investor.gov is brought to you by The SEC’s Office of Investor Education and Advocacy, Investor.gov is your online resource to help you invest wisely and avoid fraud.
+ TreasuryDirect.gov is the first and only financial services website that lets you buy and redeem securities directly from the U.S. Department of the Treasury in paperless electronic form.
+ FederalReserve.gov is offered by the Federal Reserve System fulfilling its public mission as an independent entity within government. It is not “owned” by anyone and is not a private, profit-making institution. The Federal Reserve System, often referred to as the Federal Reserve or simply “the Fed,” is the central bank of the United States.
Federal Deposit Insurance Corporation
+ FDIC.gov is the website of the Federal Deposit Insurance Corporation. The FDIC preserves and promotes public confidence in the U.S. financial system by insuring depositors for at least $250,000 per insured bank.
Calculate your deposit insurance in an FDIC insured bank through FDIC Deposit Insurance Calculator.
National Credit Union Administration
+ NCUA.gov is the website of the National Credit Union Administration (NCUA) an independent federal agency that regulates, charters and supervises federal credit unions with the backing of the full faith and credit of the U.S.
Consumer Financial Protection Bureau
+ ConsumerFinance.gov is an independent US government agency responsible for consumer protections. CFPB hosts thousands of consumer questions and answers. Consumers can visit CFPB website to file a complaint against a financial services company.
Federal Trade Commission – Consumers
+ Consumer.gov is the Federal Trade Commission’s website on consumer protection basics managing money; basics of credit, loans and debt; and scams and identity theft.
+ Consumer.FTC.gov is the US protection agency. The FTC works to prevent fraud and deceptive business practices.
Do Not Call Registry
+ DoNotCall.gov offers registration for consumer to stop telemarketing (US for-profit commercial) calls. Register your home phone and cell phone.
Identity Theft Protection
Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation — and can take time, money, and patience to resolve.
Marketing Prescreen Opt Out
+ OptOutPrescreen.com is the official site to opt out of prescreen credit offers. Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. Prescreened offers — sometimes called “preapproved” offers — are based on information in your credit report that indicates you meet criteria set by the company.
Unclaimed Property and Missing Money
If the government owes you money and you do not collect it, then it’s unclaimed. This can also happen with banks, credit unions, pensions, and other sources.
+ Unclaimed.org is the free unclaimed property search for American states that are members of the National Association of Unclaimed Property Administrators.
Mortgage and Housing Assistance
Federal Housing Financing Agency
+ FHFA.gov is a U.S. government agency created by the Housing and Economic Recovery Act of 2008 that regulates the secondary mortgage market by overseeing the activities of Fannie Mae, Freddie Mac and the 12 federal home loan banks. HARP – the Home Affordable Refinance Program – was created by FHFA specifically to help homeowners who are current on their mortgage payments, but who are underwater on their mortgages.
+ Harp.gov is the website to see if you can qualify for a refinance of an underwater mortgage. When you owe as much or more on your mortgage than your home is worth, it can be difficult to find a lender willing to help you refinance. But for borrowers who have remained current on their mortgages, and have loans owned by Fannie Mae or Freddie Mac, there is hope. It’s called HARP.
+ HAMP – the Home Affordable Modification Program – is part of the Making Home Affordable Program (MHA) to help homeowners get mortgage relief and avoid foreclosure. For those not able to make monthly payments and facing foreclosure, HAMP may provide a solution.
Making Home Affordable
+ MakingHomeAffordable.gov is the website of the Making Home Affordable Program. The MHA is a comprehensive plan to stabilize the U.S. housing market by helping homeowners get mortgage relief and avoid foreclosure.
Housing and Urban Development
+ HUD.gov is the website for the Department of Housing and Urban Development and administers the Federal Housing Administration. The FHA provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934.
Learn more about the Federal Housing Administration by visiting the FHA portal.
Avoid Foreclosure with HUD Assistance
The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. Learn more about foreclosure prevention programs.
Student Aid and Loans
Federal Student Loans
+ StudentLoans.gov is the U.S. Department of Education site explaining how to view Federal student loan documents, entrance counseling and how to sign promissory notes.
+ Studentaid.gov is the website to get ready for college or career school, learn about federal student aid and how to apply using the FAFSA, and get information on repaying student loans.
+ FAFSA.gov is the website to complete the application for federal student aid. The Free Application for Federal Student Aid, a form that can be prepared annually by current and prospective college students in the United States to determine their eligibility for student financial aid.
Student Loan Consolidation and Loan Forgiveness
+ StudentAid.Ed.gov is The official home page for the federal student aid programs administered by the US Department of Education. Learn about loan consolidation options and loan forgiveness programs.
+ Grants.gov is the single access point for over 1,000 grant programs offered by the 26 federal agencies that make grants.
Small Business Loans
+ SBA.gov is the website of the Small Business Administration (SBA) is a United States government agency that provides support to entrepreneurs and small businesses.
Social Security Administration
+ SSA.gov is the Social Security Administration’s website portal to discover your social security benefits.
Internal Revenue Services
+ IRS.gov is the official website of the Internal Revenue Services and the single source to access information on all tax related questions.
+ Disability.gov is a United States Government inter-agency web portal that provides access to comprehensive information about disability-related programs and services
+ Medicare.gov is the federal health insurance program for people who are 65 or older, certain younger people with disabilities
+ Medicaid.gov is your one-stop-shop for Federal policy and program information about Medicaid, the Children’s Health Insurance Program and the Basic Health Program.
+ Healthcare.gov is a health insurance exchange website operated under the United States federal government under the provisions of the Patient Protection and Affordable Care Act, designed to serve the residents of the thirty-six U.S. states that opted not to create their own state exchanges. The website allows individuals to comparison shop for health insurance.
Financial Education for Children
+ Kids.gov is a place where kids can learn about money.
+ Admongo.gov is where children can learn about advertising and how it impacts purchase behavior.
+ MyMoney.gov Resources for Youth is the area of MyMoney.gov to find games, fun activities, websites, video games, and information about money for kids and youth.