Idaho Department of Finance
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Department of Finance
About the Agency
Department of Finance Bureaus
Who We Regulate
Loan Originator Section
Collection Agency Forms
Consumer Lender Forms
Credit Union Forms
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Money Transmitter Forms
Securities Forms and Fees
Collection Agency Licensees
Consumer Credit Licensees
Loan Originator Licensees
Money Transmitter Licensees
No Action & Opinion Letters
Bank On Treasure Valley
Statutes and Rules
Financial Literacy Links and Resources
NEW: FTC Videos on protecting your computer information from being hacked by online predators:
Hacked Email: What to Do
Hijacked Computer: What to Do
Been hacked or hijacked? Read This.
Back It Up: Don't Lose Your Digital Life
FTC Consumer Information: Video and Media
FTC Informacion Para Consumidores: Videos y Multimedia
Stop, Think Connect: Resource guides and informational brochures for students, parents, and young professional on topics related to Cybersecurity published by the federal Department of Homeland Security.
Computer Security: FTC tips: “Learn how to protect your computer, your information, and your online files.”
Consumer Finance Protection Bureau (CFPB)
- The Consumer Financial Protection Bureau's website provides educational brochures on consumer financial products and services provided to Americans - whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.
Glossary of Financial Terms
- Definitions for commonly used financial terms.
Idaho Commission for Libraries LiLI
- Get $mart Idaho, an affiliate of the Idaho Financial Literacy Coalition
- U.S. Financial Literacy and Education Commission - Providing financial education resources for all Americans.
- This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
The Jump$tart Coalition for Personal Financial Literacy
- The Jump$tart Coalition for Personal Financial Literacy seeks to improve the personal financial literacy of young adults.
U.S. Department of the Treasury Financial Literacy and Education Commission
- The Financial Literacy and Education Commission (the Commission) was established under Title V, the Financial Literacy and Education Improvement Act, which was part of the Fair and Accurate Credit Transactions Act of 2003, to improve financial literacy and education of persons in the United States.
National Endowment for Financial Education
- The National Endowment for Financial Education® (NEFE®) is a non-profit 501(c)(3) foundation dedicated to helping all Americans acquire the information and gain the skills necessary to take control of their personal finances. NEFE accomplishes its mission primarily by partnering with other concerned organizations to provide financial education to members of the public—in particular, to underserved individuals whose financial education issues are not being addressed by others. These partnerships are an effective means of responding to the needs of many different groups within the general population.
North American Securities Administrator Association
- Organized in 1919, the North American Securities Administrators Association (NASAA) is the oldest international organization devoted to investor protection. NASAA is a voluntary association whose membership consists of 67 state, provincial, and territorial securities administrators in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Canada, and Mexico.
The Better Business Bureau
- BBB reports provide information on over 2.5 million organizations. It's a good idea to check before you invest or give.
Federal Trade Commission
- The Federal Trade Commission is the nation's consumer protection agency. The FTC's Bureau of Consumer Protection works for the Consumer to prevent fraud, deception, and unfair business practices in the marketplace. The FTC provides a variety of both consumer and business informational brochures.
Fair Isaac Credit Reporting
- FICO provides information on citizen's credit scores and factors that are considered in scoring calculations. Links on FICO's website also discuss credit reports, and a quick credit calculator.
Housing and Urban Development (HUD)
- HUD offers excellent informational links pertaining to understanding your mortgage, HUD approved counselors, and how to avoid foreclosure - and more.
Idaho Housing and Finance Association
National Credit Union Administration
Second Life Virtual World
- University of Idaho Extension - Idahonia is the University of Idaho’s presence in the Second Life® universe. Second Life® is a multi-user real-time virtual community that is built and supported by its residents. Please note: After creating an account with Second Life® you will need to create an avatar.
Investing Tips and Resources
Informed Investor Advisory: Private Placement Offerings
Variable Annuities: What You Should Know…
The Basics of Saving and Investing: Investor Education 2020
- Financial Literacy 2020 is a national campaign to increase high school students' savvy about personal finance and investment. Sponsored by the Investment Protection Trust(IPT)
Securities and Exchange Commission
Investor.gov - SEC
Top-Ten Tips for Online Investors
Brokered Certificates of Deposit
NASAA Day Trading Study (NASAA)
The Internet and Online Trading (SEC)
SEC's Edgar Database -- Filings from Public Companies with the SEC
FINRA Investory Education
Research Your Broker
Check Out Your Investment Professional
Understanding Your Brokerage Account Statements Brochure
Entender Sus Declaraciones De La Cuenta De Corretaje
Fraud Prevention Tips
FINRA/BBB Smart Investing
Investigate Before You Invest - Ten Do's and Don'ts For Investors
Fighting Back Against Identity Theft (Federal Trade Commission)
Protecting Your Finances: How to Avoid Investment Frauds and Scams
Identity Theft Brochure:
Predatory Lending Fact Sheet
- The State of Idaho is working hard to protect borrowers from illegal and improper lending practices while still making sure that people get the credit they need. Prospective home buyers and other borrowers need to do their part by being careful about the lenders they select. Educating yourself about the techniques that dishonest lenders use will help you avoid becoming a victim of predatory lending.
Credit Cards and Consumer Lending
The FDIC tip sheet entitled “Credit Reports Basics” outlines important consumer-related information regarding credit reports. Tips related to consumer protections available to consumers, as well as, guidance on building a better credit report.
The Federal Trade Commission (link attached) has made available a series of tip sheets on credit-related topics for consumers. Topics and guides, include in part, sample form letters that may be used to write to credit reporting agencies, or to companies that may be reporting incorrect account information on consumers’ credit reports. Also included are sample letters for consumers who have been victims of identity theft.
The Consumer Financial Protection Bureau (CFPB) link attached provides a variety of topics regarding credit scoring, and the factors considered in credit scoring calculations. Included on the CFPB’s link are also tips on consumer lending as well as, shopping for consumer loans.
Consumer Lending: Tips and Information
The Consumer Financial Protection Bureau (CFPB) Student Loan Information “PAYING FOR COLLEGE”
- The CFPB offers information and tips regarding student loans, choices, and pitfalls.
Twelve Principles of Personal Financial Literacy
- The basics of financial literacy.
Informational brochures about securing credit, advanced fee loan scams, and Fair Credit Billing
Payday Loans in Idaho
FRONTLINE Feature: "The Secret History of the Credit Card"
- Frontline, with funding from PBS, has included educational links for citizens who are seeking more information on credit card use - tips to be aware of regarding credit cards, credit cards and personal responsibility - and more.
Owning a Home
- The CFPB has available on its website a tip sheet entitled "Owning a Home." The tipsheet includes a homebuyer datasheet and mortgage calculator for potential homeowners who are considering buying a home in a few months or down the road. The datasheet is state-specific and updated daily.
Consumer Alert: MORTGAGE SERVICING RULES FOR HOMEOWNERS - KNOW YOUR RIGHTS
- The Idaho Department of Finance offers tips and information for borrowers to help keep their mortgage on the right track.
The Consumer Financial Protection Bureau (CFPB) - Make The Most of Your Mortgage Checklist
The Consumer Financial Protection Bureau (CFPB) - Requesting Information From Your Mortgage Servicer
Brochure: Idaho Resources to Assist You in Avoiding Foreclosure
Foreclosure Prevention Contact Information
- Lenders listed on this link have provided contact information for their clients who may be having difficulty making their mortgage payments.
Third-Party Collection, Debt and Credit Counseling / Debt Settlement Services
The Federal Trade Commission provides a publication entitled “Choosing a Credit Counselor” for consumers who may be considering the services of a credit counselor. Debt/credit counselors, and credit repair companies are required to be licensed with the Idaho Department of Finance prior to conducting business with Idaho citizens.
Debt Collection: Informational Questions and Answers regarding third-party collection provided by the Consumer Financial Protection Bureau.
- Also included in this publication is a sample letter to help a debtors respond appropriately to a third-party collection against them.
What's the difference between a credit counselor and a debt settlement company?
- The Consumer Financial Protection Bureau brochure that explains two types of services in managing debt. Both services may help if you are having trouble making payments on your debts. However,
services are different from
debt settlement companies
in a number of ways.
FTC Facts for Consumers: Debt Collection/Credit/Loans
- Informational brochures regarding third-party debt collection, and questions regarding a debtor's rights under the Fair Credit Collection Practices Act.
Fair Debt Collection Practices Act
- Outlines debtor rights and third-party collector requirements under the Act
Information for Servicemembers
Financial-related tips and information offered exclusively to members of the military by the Consumer Finance Protection Bureau.
The Federal Trade Commission provides a wide variety of financial tips and information for members of the military. Topics range from charitable giving to consumer lending.
Protecting the Integrity of Idaho Financial Markets since 1905
Copyright Idaho Department of Finance
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