Compendium of Financial Literacy Resources & Identity Theft Data

Transcription

1 Compendium of Financial Literacy Resources & Identity Theft Data Featuring Financial Literacy Resources Consumer Complaint Data 50 States and the District of Columbia William R. Slap Wesleyan University 2015 Christopher S. Roderick New York University Bankers Advisory Inc. Belmont, MA

2 Instructions Select your state below in the Table of Contents -Or- Scroll through the document to compare and analyze The information pertaining to each state covers three pages: Page one is a list of financial literacy resources available in the specified state: complete with description and hyperlink. Page two consists of a data table detailing the incidents of Fraud in the specified state. Page three consists of a data table detailing the incidents of Identity Theft in the specified state Bankers Advisory Inc. Belmont, MA Authored and Maintained by Research Interns William R. Slap-Wesleyan University 2015 Christopher S. Roderick-New York University Edition - Matthew Poterba- Hamilton Bankers Advisory, Inc. 2

3 Table of Contents GENERAL LINKS... 5 ALABAMA... 6 ALASKA... 9 ARIZONA ARKANSAS CALIFORNIA COLORADO CONNECTICUT DELAWARE DISTRICT OF COLUMBIA FLORIDA GEORGIA HAWAII IDAHO ILLINOIS IOWA INDIANA KANSAS KENTUCKY LOUISIANA MAINE MARYLAND MASSACHUSETTS MICHIGAN MINNESOTA MISSISSIPPI MISSOURI Bankers Advisory, Inc. 3

4 MONTANA NEBRASKA NEVADA NEW HAMPSHIRE NEW JERSEY NEW MEXICO NEW YORK NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TEXAS UTAH VERMONT VIRGINIA WASHINGTON WEST VIRGINIA WISCONSIN WYOMING Bankers Advisory, Inc. 4

5 General Resources These resources are not state-specific, but are applicable to all American consumers: Beware Foreclosure Foreclosure Prevention Regional Foreclosure Resources Mortgages Explained Mortgage Assistance Relief Scam Info Mortgage Fraud Info General Information on Credit Reports Consumer Literacy Resources and Mortgage Tips Definitions of Key Financial Literacy Terms Housing Programs for the Unemployed 2012 Bankers Advisory, Inc. 5

6 ALABAMA Back to top ALABAMA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Alabama Jump$tart Lists Housing Counseling agencies located in Alabama. Lists homeowner and credit agencies in Alabama. Financial Literacy resources for residents of Alabama. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Alabama (2012). Lists organizations, contact information, and areas of regulation. State of Alabama Banking Department A helpful guide to laws and regulations concerning loans of capital between banks and consumers. Alabama SaveFirst Program Free assistance for filing taxes, and money saving tricks and solutions. Mortgage Bankers Association of Alabama General assistance from and contact information for Alabama-based mortgage bankers Bankers Advisory, Inc. 6

7 Alabama Fraud Complaints: 19, Bankers Advisory, Inc. 7

8 Alabama Identity Theft Complaints: 3, Bankers Advisory, Inc. 8

9 ALASKA Back to top ALASKA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Lists Housing Counseling agencies located in Alaska. Lists the homeowner and credit agencies serving Alaska. Alaska Jump$tart Financial Literacy resources for residents of Alaska. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Alaska (2012). Lists organizations, contact information, and areas of regulation. Alaska Division of Banking and Securities General statistics about Alaskan banks. Consumer protection unit and consumer education divisions. RurAL Cap Financial literacy programs: personal finance, prevention of predatory lending, grant management, and asset development. Alaska Mortgage Bankers Association Consumer information, such as a home loan center, mortgage calculator, and ways to prevent mortgage fraud Bankers Advisory Inc. Belmont, MA

10 Alaska Fraud Complaints: 3, Bankers Advisory, Inc. 10

11 Alaska Identity Theft Complaints: Bankers Advisory Inc. Belmont, MA

12 ARIZONA Back to top ARIZONA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Arizona Jump$tart List of Housing Counseling agencies located in Arizona. List of the homeowner and credit agencies serving Arizona. Financial Literacy resources for residents of Arizona. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Arizona (2012). Lists organizations, contact information, and areas of regulation. Office of the Governor of Arizona Financial literacy resources compiled by the governor, including numerous links and resources to consumer education. Arizona Mortgage Lenders Association Consumer information: such as a home loan center, mortgage calculator, and ways to prevent mortgage fraud; contact information. University of Arizona Family Economics & Financial Education Educational resources for families interested in learning about finance Bankers Advisory, Inc. 12

13 Arizona Fraud Complaints: 32, Bankers Advisory, Inc. 13

14 Arizona Identity Theft Complaints: 6, Bankers Advisory Inc. Belmont, MA

15 ARKANSAS Back to top ARKANSAS FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Arkansas Jump$tart Lists Housing Counseling agencies located in Arkansas. Lists the homeowner and credit agencies serving Arkansas. Financial Literacy resources for residents of Arkansas. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Arkansas (2012). Lists organizations, contact information, and areas of regulation. Economic Arkansas The promotion of economic literacy to students in primary school. Arkansas Bankers Association A financial education resource for consumers; includes ways to prevent crime, identity theft, and to enhance one s financial knowledge. Mortgage Bankers Association of Arkansas Consumer information, such as a home loan center, mortgage calculator, and ways to prevent mortgage fraud Bankers Advisory, Inc. 15

16 Arkansas Fraud Complaints: 10, Bankers Advisory, Inc. 16

17 Arkansas Identity Theft Complaints: 1, Bankers Advisory Inc. Belmont, MA

18 CALIFORNIA Back to top CALIFORNIA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link Lists Housing Counseling agencies located in California. US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies California Jump$tart National Association of Consumer Credit Administration State of California Department of Financial Institutions California Department of Corporations CalCPA California Mortgage Bankers Association Lists the homeowner and credit agencies serving California. Financial Literacy resources for residents of California. Especially targeted at students K-12. Financial Services Regulator Directory of California (2012). Lists organizations, contact information, and areas of regulation. The ABCs of credit card finance Advice and assistance to consumers attempting to understand fees and other services associated with credit cards Educational resources for consumers and outreach programs for those teaching financial literacy to Californians. Financial empowerment through education Talks and other resources for financial education Consumer information: mortgage calculator, contact information, and ways to prevent mortgage fraud Bankers Advisory, Inc. 18

19 California Fraud Complaints: 155, Bankers Advisory, Inc. 19

20 California Identity Theft Complaints: 38, Bankers Advisory, Inc. 20

21 COLORADO Back to top COLORADO FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Colorado. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Colorado. Colorado Jump$tart Financial Literacy resources for residents of Colorado. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Colorado (2012). Lists organizations, contact information, and areas of regulation. The Colorado Department of Education Resources and articles dedicated to banking and personal financial literacy. Colorado Mortgage Lenders Association Assistance on mortgage loans: from foreclosures, to loan modifications. Tools useful for understanding one s mortgage Bankers Advisory, Inc. 21

22 California Fraud Complaints: 155, Bankers Advisory, Inc. 22

23 Colorado Identity Theft Complaints: 4, Bankers Advisory, Inc. 23

24 CONNECTICUT Back to top CONNECTICUT FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Connecticut. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Connecticut Connecticut Jump$tart Financial Literacy resources for residents of Connecticut. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Connecticut (2012). Lists organizations, contact information, and areas of regulation. YWCA: Eliminating Racism Empowering Women Programs and resources for women s financial literacy. Resources and further reading on financial literacy. Office of Connecticut State Treasurer Numerous financial educational programs and personal finance resources. State of Connecticut Department of Banking Educational resources on banking, consumer credit, mortgages, scams, etc. Federal Reserve Bank Of Boston Educational resources on mortgages and predatory lending Links to additional resources 2012 Bankers Advisory, Inc. 24

25 Connecticut Fraud Complaints: 14, Bankers Advisory, Inc. 25

26 Connecticut Identity Theft Complaints: 2, Bankers Advisory, Inc. 26

27 DELAWARE Back to top DELAWARE FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Delaware Jump$tart Lists Housing Counseling agencies located in Delaware. Lists the homeowner and credit agencies serving Delaware. Financial Literacy resources for residents of Delaware. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Delaware (2012). Lists organizations, contact information, and areas of regulation. Delaware Financial Literacy Institute Financial education programs and events Numerous statistics regarding US citizens and their finances The Treasurer of Delaware Financial education resources. Delaware Bankers Association Financial education programs for low and moderate income consumers. Programs for children Bankers Advisory, Inc. 27

28 Delaware Fraud Complaints: 4, Bankers Advisory, Inc. 28

29 Delaware Identity Theft Complaints: Bankers Advisory, Inc. 29

30 DISTRICT OF COLUMBIA Back to top DISTRICT OF COLUMBIA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in the District of Columbia. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving the District of Columbia. District of Columbia Jump$tart Financial Literacy resources for residents of the District of Columbia. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of the District of Columbia (2012). Lists organizations, contact information, and areas of regulation. Financial Literacy Foundation FLC works in the metropolitan DC area to provide youth with a basic financial education Projects, services, and online courses. District of Columbia: Department of Insurance, Securities, and Banking Consumer education and financial literacy resources. Insurance, shopping guides, and other guides for finances. Mortgage Bankers Association of the District of Columbia Contact information for and general help from DC-area mortgage bankers Bankers Advisory, Inc. 30

31 District of Columbia Fraud Complaints: 4, Bankers Advisory, Inc. 31

32 District of Columbia Identity Theft Complaints: Bankers Advisory, Inc. 32

33 FLORIDA Back to top FLORIDA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Florida Jump$tart Lists Housing Counseling agencies located in Florida. Lists the homeowner and credit agencies serving Florida. Financial Literacy resources for residents of Florida. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Florida (2012). Lists organizations, contact information, and areas of regulation. Florida Institute of Certified Public Accountants Useful for finding a Florida-based certified public accountant. Personal finance planning tools and schedules Florida Literacy Coalition Numerous financial literacy resources, sites, and reading materials. Includes tools for money management. Mortgage Bankers Association of Florida Contact information and general help from Florida-based mortgage bankers Bankers Advisory, Inc. 33

34 Florida Fraud Complaints: 96, Bankers Advisory, Inc. 34

35 Florida Identity Theft Complaints: 33, Bankers Advisory, Inc. 35

36 GEORGIA Back to top GEORGIA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Georgia Jump$tart Lists Housing Counseling agencies located in Georgia. Lists the homeowner and credit agencies serving Georgia. Financial Literacy resources for residents of Georgia. Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Georgia (2012). Lists organizations, contact information, and areas of regulation. Georgia Society of Certified Public Accountants Useful for Finding a Georgia-based certified public accountant. Personal financial planning tools and schedules Mortgage Bankers Association of Georgia Contact information for and general help from Georgia-based mortgage bankers. Georgia Council on Economic Education Georgia consortium for personal financial literacy. Financial education events, resources, and news in Georgia. The University of Georgia Cooperative Extension Various financial literacy programs and resources for both adults and kids Bankers Advisory, Inc. 36

37 Georgia Fraud Complaints: 43, Bankers Advisory, Inc. 37

38 Georgia Identity Theft Complaints: 11, Bankers Advisory, Inc. 38

39 HAWAII Back to top HAWAII FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Hawaii. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Hawaii. Hawaii Jump$tart Financial Literacy resources for residents of Hawaii. Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Hawaii (2012). Lists organizations, contact information, and areas of regulation. Hawaii Council on Economic Education Surveys of financial literacy in high schools, self-tests, and links to further information Hawaii State Public Library System Reading list of selected books that discuss financial education, both for youth and adults Hawaii Association of Mortgage Brokers Contact information for Hawaii-based mortgage brokers; other financial literacy links and resources Bankers Advisory, Inc. 39

40 Hawaii Fraud Complaints: 5, Bankers Advisory, Inc. 40

41 Hawaii Identity Theft Complaints: Bankers Advisory, Inc. 41

42 IDAHO Back to top IDAHO FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Idaho Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Idaho Idaho Jump$tart Financial Literacy for residents of Idaho Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Idaho (2012). Lists organizations, contact information, and areas of regulation. Idaho Finance and Mortgage Association Housing counseling services for those looking to purchase a new home, or for existing homeowners. Idaho Society of CPAs Idaho Department of Finance Financial literacy resource center: includes links and tools for understanding mortgages and credit. Locate a local certified public accountant. Online-investing resources, find-a-broker, tips for preventing fraud and identity theft. Idaho Department of Finance Fun educational links, games and programs for kids List of helpful financial terms 2012 Bankers Advisory, Inc. 42

43 Idaho Fraud Complaints: 6, Bankers Advisory, Inc. 43

44 Idaho Identity Theft Complaints: Bankers Advisory, Inc. 44

45 ILLINOIS Back to top ILLINOIS FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Illinois. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Illinois Illinois Jump$tart Financial Literacy resources for residents of Illinois. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Illinois (2012). Lists organizations, contact information, and areas of regulation. College of Business at Illinois Department of Finance financial literacy programs for Illinois. Information on strengthening one s finances and financial understanding. Illinois Certified Public Accountant Society Help for consumers looking to locate an accountant. Tips and helpful information for building a stronger financial future Illinois Mortgage Bankers Association General help from and contact information for Illinois-based Mortgage Bankers 2012 Bankers Advisory, Inc. 45

46 Illinois Fraud Complaints: 52, Bankers Advisory, Inc. 46

47 Illinois Identity Theft Complaints: 10, Bankers Advisory, Inc. 47

48 IOWA Back to top IOWA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Iowa. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Iowa. Iowa Jump$tart Financial Literacy resources for residents of Iowa. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Iowa (2012). Lists organizations, contact information, and areas of regulation. Iowa Mortgage Association Consumer information on Iowa-originated mortgages Consumer protection and counseling resources. Tips for purchasing a home. Iowa Society of Certified Public Accountants Help for consumers locating an Iowa-based accountant. Iowa Home Ownership Education Project Mortgage information and counseling Newsletters to keep consumers up to date 2012 Bankers Advisory, Inc. 48

49 Iowa Fraud Complaints: 9, Bankers Advisory, Inc. 49

50 Iowa Identity Theft Complaints: 1, Bankers Advisory, Inc. 50

51 INDIANA Back to top INDIANA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Indiana Jump$tart Lists Housing Counseling agencies located in Indiana. Lists the homeowner and credit agencies serving Indiana. Financial Literacy resources for residents of Indiana. Especially targeted at students K-12. National Association of Consumer Credit Administration Indiana Certified Public Accountant Society Indiana Mortgage Bankers Association Networks Financial Institute at Indiana State University Indiana Bankers Association Financial Services Regulator Directory of Indiana (2012). Lists organizations, contact information, and areas of regulation. Numerous programs that assist consumers in better understanding money management practices. Information for borrowers and consumers with mortgages. Helps consumers understand mortgages better. Programs targeted at primary school students. Teaches the problems associated with large debt or personal bankruptcies. A listing of all initiatives and events hosted by the Indiana Bankers Association targeting financial literacy of consumers Bankers Advisory, Inc. 51

52 Indiana Fraud Complaints: 25, Bankers Advisory, Inc. 52

53 Indiana Identity Theft Complaints: 3, Bankers Advisory, Inc. 53

54 KANSAS Back to top KANSAS FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Kansas Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Kansas Kansas Jump$tart Financial Literacy resources for residents of Kansas. Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Kansas (2012). Lists organizations, contact information, and areas of regulation. Kansas State Treasurer Consumer credit counseling workshops, and K-12 programs. State of Kansas Attorney General Numerous consumer protection publications and antitrust regulations. Workshops, information about fraud, and how to avoid scams Kansas Council on Economic Education Financial literacy links, for both K-12 and adult education. Kansas Housing Resource Corporation Financial literacy and mortgage support programs in Kansas. Kansas Housing Resource Corporation Financial information and resources Bankers Advisory, Inc. 54

55 Kansas Fraud Complaints: 11, Bankers Advisory, Inc. 55

56 Kansas Identity Theft Complaints: 1, Bankers Advisory, Inc. 56

57 KENTUCKY Back to top KENTUCKY FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Kentucky. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Kentucky. Kentucky Jump$tart Financial Literacy resources for residents of Kentucky. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Kentucky (2012). Lists organizations, contact information, and areas of regulation. Kentucky Department of Financial Institutions Kentucky financial literacy month resources. Assistance for teaching financial literacy to consumers. Kentucky Society of Certified Public Accountants Financial Literacy consumer resources. Submit questions and have them answered by accountants. Mortgage Bankers Association of Kentucky General help from and contact information for mortgage bankers dealing in Kentucky Bankers Advisory, Inc. 57

58 Kentucky Fraud Complaints: 16, Bankers Advisory, Inc. 58

59 Kentucky Identity Theft Complaints: 1, Bankers Advisory, Inc. 59

60 LOUISIANA Back to top LOUISIANA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Louisiana Jump$tart Lists Housing Counseling agencies located in Louisiana. List of the homeowner and credit agencies serving Louisiana. Financial Literacy resources for residents of Louisiana. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Louisiana (2012). Lists organizations, contact information, and areas of regulation. Louisiana Society of Certified Public Accountants Assistance on finding a certified public accountant. Recommended financial literacy readings. Office of Financial Institutions News updates on regulations, laws, reports, and consumer assistance in Louisiana. Mortgage Lenders Association of Louisiana General help from and contact information for mortgage lenders dealing in Louisiana. Louisiana Bankers Association Coalition for personal financial literacy Links to other financial education websites 2012 Bankers Advisory, Inc. 60

61 Louisiana Fraud Complaints: 18, Bankers Advisory, Inc. 61

62 Louisiana Identity Theft Complaints: 2, Bankers Advisory, Inc. 62

63 MAINE Back to top MAINE FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development List of Housing Counseling agencies located in Maine. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Maine. Maine Jump$tart Financial Literacy resources for residents of Maine. Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Maine (2012). Lists organizations, contact information, and areas of regulation. Mortgage Bankers Association of Maine, Inc. Information regarding mortgage rates and financial terms. Mortgage resources for Maine consumers. Federal Reserve Bank of Boston Personal Financial Education Resources for Maine residents. Educational Resources that deal specifically with mortgages and predatory lending. Institute for Financial Literacy Online financial literacy programs. Classes and seminars regarding personal financial education. State of Maine: Office of the Treasurer TeachME Financial Literacy Resources for managing personal finances. The Maine Society of Certified Public Accountants Financial Literacy tools and resources. Includes financial tips, calculators Bankers Advisory, Inc. 63

64 Maine Fraud Complaints: 4, Bankers Advisory, Inc. 64

65 Maine Identity Theft Complaints: Bankers Advisory, Inc. 65

66 MARYLAND Back to top MARYLAND FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development List of Housing Counseling agencies located in Maryland. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Maryland. Maryland Jump$tart Financial Literacy resources for residents of Maryland. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Maryland (2012). Lists organization, contact information, and area of regulation. Maryland Mortgage Bankers Association Consumer FAQs and financial resources. Directory of financial literacy event locations and dates. Maryland Association of Certified Public Accountants Financial literacy programs that aim for the education of the community. Money management tools. Maryland Coalition for Financial Literacy Links, resources, and tools for money management and financial education. Maryland Homeownership Educational resources that deal specifically with finance and credit. Aids in understanding one s financial situation. Howard County Library Financial resources, information about financial institutions, and credit solutions Numerous resources that deal specifically with becoming financially sustainable Bankers Advisory, Inc. 66

67 Maryland Fraud Complaints: 31, Bankers Advisory, Inc. 67

68 Maryland Identity Theft Complaints: 4, Bankers Advisory, Inc. 68

69 MASSACHUSETTS Back to top MASSACHUSETTS FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Massachusetts. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Massachusetts. Massachusetts Jump$tart Financial Literacy resources for residents of Massachusetts. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Massachusetts (2012). Lists organizations, contact information, and areas of regulation. Massachusetts Mortgage Bankers Association Consumer Information and Education Assistance hotlines and information on mortgages and mortgage fraud. Massachusetts Society of Certified Public Accountants Financial literacy programs Informational sources Federal Reserve Bank of Boston Personal financial education resources for Maine. Educational resources on mortgages and predatory lending Bankers Advisory, Inc. 69

70 Massachusetts Fraud Complaints: 26, Bankers Advisory, Inc. 70

71 Massachusetts Identity Theft Complaints: 4, Bankers Advisory, Inc. 71

72 MICHIGAN Back to top MICHIGAN FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Michigan. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Michigan. Michigan Jump$tart Financial Literacy resources for residents of Michigan. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Michigan (2012). Lists organizations, contact information, and areas of regulation. Michigan Credit Union League Consumer information on Michigan-originated mortgages. Tips on purchasing a home; resources for consumer protection and counseling. Michigan Bankers Association K-12 and adult programs for enhancing financial literacy. Awards given to competitors in a financial literacy challenge. Michigan Mortgage Lenders Association Tools for consumers to strengthen financial literacy, such as a glossary of financial terms and a mortgage calculator Bankers Advisory, Inc. 72

73 Michigan Fraud Complaints: 37, Bankers Advisory, Inc. 73

74 Michigan Identity Theft Complaints: 8, Bankers Advisory, Inc. 74

75 MINNESOTA Back to top MINNESOTA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Minnesota. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Minnesota. Minnesota Jump$tart Financial Literacy resources for residents of Minnesota. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Minnesota (2012). Lists organizations, contact information, and areas of regulation. Minnesota Mortgage Bankers Association Financial literacy resources aimed to help one understand mortgages, and to promote fair lending. Online courses in fraud detection and fair lending. Help Minnesota Save Four Cornerstones of Financial Literacy Curriculum: a program that uses a circle method to teach financial education. The Minnesota Society of Certified Public Accountants Resources for taxes, personal finance, and credit scores. Money management tips, financial term glossaries, and other initiatives. University of Minnesota Extension Youth and adult programs available at the University of Minnesota Extension School Bankers Advisory, Inc. 75

76 Minnesota Fraud Complaints: 19, Bankers Advisory, Inc. 76

77 Minnesota Identity Theft Complaints: 2, Bankers Advisory, Inc. 77

78 MISSISSIPPI Back to top MISSISSIPPI FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Mississippi. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Mississippi. Mississippi Jump$tart Financial Literacy resources for residents of Mississippi. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Mississippi (2012). Lists organizations, contact information, and areas of regulation. Mississippi State University College of Business: center for economic education and financial literacy Tools, assistance for students and k-12 children, outreach programs. Mississippi Council on Economic Education at Millsaps College Personal finance education resources, community outreach programs, and additional websites. Mortgage Bankers Association of Mississippi General help from and contact information for mortgage lenders dealing in Mississippi Bankers Advisory, Inc. 78

79 Mississippi Fraud Complaints: 9, Bankers Advisory, Inc. 79

80 Mississippi Identity Theft Complaints: 2, Bankers Advisory, Inc. 80

81 MISSOURI Back to top MISSOURI FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Indiana Jump$tart Lists Housing Counseling agencies located in Missouri. Lists the homeowner and credit agencies serving Indiana. Financial Literacy resources for residents of Indiana. Especially targeted at students K-12. National Association of Consumer Credit Administration Missouri State Treasurer Financial Services Regulator Directory of Indiana (2012). Lists organizations, contact information, and areas of regulation. Financial Football Financial education for high school and college students. Missouri Department of Higher Education Quick tips and resources for money management and controlling mortgages. Publications and financial counseling resources. Mortgage Bankers Association of Missouri Information for borrowers and consumers with mortgages Aimed at increasing consumers understanding of mortgages Bankers Advisory, Inc. 81

82 Missouri Fraud Complaints: 26, Bankers Advisory, Inc. 82

83 Missouri Identity Theft Complaints: 4, Bankers Advisory, Inc. 83

84 MONTANA Back to top MONTANA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Montana Jump$tart Lists Housing Counseling agencies located in Montana. Lists homeowner and credit agencies serving Montana. Financial Literacy resources for residents of Montana. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Montana (2012). Lists organizations, contact information, and areas of regulation. Federal Reserve Bank of Minneapolis Information about the Montana Financial Education Coalition. Statistics and information regarding financial literacy in Montana. Montana Society of Certified Public Accountants FAQs, tax specific information, and contact information for the Family Assistance Center Bankers Advisory, Inc. 84

85 Montana Fraud Complaints: 4, Bankers Advisory, Inc. 85

86 Montana Identity Theft Complaints: Bankers Advisory, Inc. 86

87 NEBRASKA Back to top NEBRASKA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Nebraska. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Nebraska. National Association of Consumer Credit Administration Financial Services Regulator Directory of Nebraska (2012). Lists organizations, contact information, and areas of regulation. Federal Reserve Bank of Kansas City Nebraska Financial Education Coalition: a Jumpstart affiliate striving to increase personal financial literacy. Money Smart Nebraska Event calendar, partners, and information on how to get involved Bankers Advisory, Inc. 87

88 Nebraska Fraud Complaints: 6, Bankers Advisory, Inc. 88

89 Nebraska Identity Theft Complaints: Bankers Advisory, Inc. 89

90 NEVADA Back to top NEVADA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Nevada. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Nevada. Nevada Jump$tart Financial Literacy resources for residents of Nevada. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Nevada (2012). Lists organizations, contact information, and areas of regulation. Nevada Society of Certified Public Accountants A comprehensive approach to financial literacy. Resources for consumers of a number of professions and ages. Nevada Mortgage Bankers Association Financial literacy resource center: many links and tools for understanding mortgages and credit. Locate a mortgage banker near you Bankers Advisory, Inc. 90

91 Nevada Fraud Complaints: 14, Bankers Advisory, Inc. 91

92 Nevada Identity Theft Complaints: 2, Bankers Advisory, Inc. 92

93 NEW HAMPSHIRE Back to top NEW HAMPSHIRE FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in New Hampshire. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving New Hampshire. New Hampshire Jump$tart Financial Literacy resources for residents of New Hampshire. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of New Hampshire (2012). Lists organizations, contact information, and areas of regulation. New Hampshire Mortgage Bankers Association Consumer information and education. Assistance hotlines, and information on mortgages, mortgage fraud. Federal Reserve Bank of Boston Personal Financial Education Resources for New Hampshire residents. Educational resources on mortgages and predatory lending. Southern New Hampshire University Financial Literacy training aimed at high school students. 8 modules for improving financial literacy Bankers Advisory, Inc. 93

94 New Hampshire Fraud Complaints: 5, Bankers Advisory, Inc. 94

95 New Hampshire Identity Theft Complaints: Bankers Advisory, Inc. 95

96 NEW JERSEY Back to top NEW JERSEY FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in New Jersey. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving New Jersey. New Jersey Jump$tart Financial Literacy resources for residents of New Jersey. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of New Jersey (2012). Lists organizations, contact information, and areas of regulation. Mortgage Bankers Association of New Jersey General help from and contact information for mortgage bankers dealing in New Jersey. Money Matters NJ Resources and links for budget, saving, credit, and identity theft education. New Jersey Coalition for Financial Literacy Programs, events, and resources targeted at teaching consumers about their finances. Special programs targeted at young adults Bankers Advisory, Inc. 96

97 New Jersey Fraud Complaints: 39, Bankers Advisory, Inc. 97

98 New Jersey Identity Theft Complaints: 7, Bankers Advisory, Inc. 98

99 NEW MEXICO Back to top NEW MEXICO FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in New Mexico. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving New Mexico. New Mexico Jump$tart Financial Literacy resources for residents of New Mexico. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of New Mexico (2012). Lists organizations, contact information, and areas of regulation. New Mexico Financial Education Coalition Financial literacy month, representatives, and contact information. Financial education resources for consumers. New Mexico Mortgage Lenders Association, Inc. General help from and contact information for mortgage lenders dealing in New Mexico. New Mexico Project for Financial Literacy Training, curriculum, and other resources for consumers and financial literacy advocates. Free workshops for enhancing financial literacy Bankers Advisory, Inc. 99

100 New Mexico Fraud Complaints: 8, Bankers Advisory, Inc. 100

101 New Mexico Identity Theft Complaints: 1, Bankers Advisory, Inc. 101

102 NEW YORK Back to top NEW YORK FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in New York. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving New York. New York Jump$tart Financial Literacy resources for residents of New York. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of New York (2012). Lists organizations, contact information, and areas of regulation. Mortgage Bankers Association of New York Money Power General help from and contact information for mortgage bankers dealing in New York. Financial education programs and personal finance resources Especially helpful for students. Federal Reserve Bank Of New York Educational resources that deal specifically with mortgages and predatory lending. Links to additional resources Bankers Advisory, Inc. 102

103 New York Fraud Complaints: 75, Bankers Advisory, Inc. 103

104 New York Identity Theft Complaints: 17, Bankers Advisory, Inc. 104

105 NORTH CAROLINA Back to top NORTH CAROLINA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in North Carolina. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving North Carolina. North Carolina Jump$tart Financial Literacy resources for residents of North Carolina. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of North Carolina (2012). Lists organizations, contact information, and areas of regulation. Mortgage Bankers Association of the Carolinas, Inc. Consumer FAQs and financial literacy resources. Directory and event calendar. North Carolina Association of Certified Public Accountants Financial literacy programs that contribute to the education of the community. Information for volunteers and those requesting assistance. North Carolina Commissioner of Banks Financial Literacy Information 2012 Bankers Advisory, Inc. 105

106 North Carolina Fraud Complaints: 38, Bankers Advisory, Inc. 106

107 North Carolina Identity Theft Complaints: 6, Bankers Advisory, Inc. 107

108 NORTH DAKOTA Back to top NORTH DAKOTA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in North Dakota. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving North Dakota. North Dakota Jump$tart Financial Literacy resources for residents of North Dakota. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of North Dakota (2012). Lists organizations, contact information, and areas of regulation. North Dakota State Treasurer Tomorrow s Money: a program using a circular teaching method to show how saving and investing makes dealing with unexpected problems simpler. North Dakota Securities Department Resources that assist North Dakota residents in preparing for the future: insurance education and savings counseling North Dakota Society of CPAs Resources targeted at improving financial literacy in North Dakota, and comprehensive information on regulations and law changes Bankers Advisory, Inc. 108

109 North Dakota Fraud Complaints: 1, Bankers Advisory, Inc. 109

110 North Dakota Identity Theft Complaints: Bankers Advisory, Inc. 110

111 OHIO Back to top OHIO FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Ohio Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Ohio. Ohio Jump$tart Financial Literacy resources for residents of Ohio. Especially targeted at students K-12 National Association of Consumer Credit Administration Financial Services Regulator Directory of Ohio (2012). Lists organizations, contact information, and areas of regulation. Ohio Treasurer Financial calculators, articles, forums, and links to help Ohio residents manage their finances. Ohio Society of Certified Public Accountants Financial Literacy consumer resources. Financial tips and workshops for residents of Ohio. Mortgage Bankers Association of Ohio General help from and contact information for mortgage bankers dealing in Ohio. Ohio Association Teachers of Family and Consumer Sciences Resource page full of financial literacy information, publications, and guides Bankers Advisory, Inc. 111

112 Ohio Fraud Complaints: 54, Bankers Advisory, Inc. 112

113 Ohio Identity Theft Complaints: 7, Bankers Advisory, Inc. 113

114 OKLAHOMA Back to top OKLAHOMA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Oklahoma Association of Independent Consumer Credit Counseling Agencies Lists of the homeowner and credit agencies serving Oklahoma. Oklahoma Jump$tart Financial Literacy resources for residents of Oklahoma. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Oklahoma (2012). Lists organizations, contact information, and areas of regulation. Oklahoma Money Matters Financial tips for saving, college, and the future. Free teacher workshops for financial education. Oklahoma Mortgage Bankers Association General help from and contact information for mortgage lenders dealing in Oklahoma. Oklahoma Society of Certified Public Accountants Money management education resources Bankers Advisory, Inc. 114

115 Oklahoma Fraud Complaints: 13, Bankers Advisory, Inc. 115

116 Oklahoma Identity Theft Complaints: 2, Bankers Advisory, Inc. 116

117 OREGON Back to top OREGON FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Lists Housing Counseling agencies located in Oregon. Association of Independent Consumer Credit Counseling Agencies Lists the homeowner and credit agencies serving Oregon. Oregon Jump$tart Financial Literacy resources for residents of Oregon. Especially targeted at students K-12. National Association of Consumer Credit Administration Financial Services Regulator Directory of Oregon (2012). Lists organizations, contact information, and areas of regulation. The Oregon Society of Certified Public Accountants Financial literacy month, how to protect your finances, and many other topics for consumers. Resources for consumers of a number of professions and ages Oregon Mortgage Lenders Association Financial literacy resource center: links and tools for understanding mortgages and credit Locate a mortgage lender near you. Consumer Credit Counseling Service Library of financial literacy resources: from Money Management to Fraud and even retirement. Oregon Division of Finance and Corporate Securities (DFCS) Lists resources specific to Banking, Consumer Information Programs, Credit, Debt Management etc Bankers Advisory, Inc. 117

118 Oregon Fraud Complaints: 16, Bankers Advisory, Inc. 118

119 Oregon Identity Theft Complaints: 2, Bankers Advisory, Inc. 119

120 PENNSYLVANIA Back to top PENNSYLVANIA FINANCIAL LITERACY RESOURCES Organization Programs & Information Offered Link US Department of Housing and Urban Development Association of Independent Consumer Credit Counseling Agencies Pennsylvania Jump$tart Lists Housing Counseling agencies located in Pennsylvania. Lists of the homeowner and credit agencies serving Pennsylvania. Financial Literacy resources for residents of Pennsylvania. Especially targeted at students K-12. National Association of Consumer Credit Administration Mortgage Bankers Association of Pennsylvania Financial Services Regulator Directory of Pennsylvania (2012). Lists organizations, contact information, and areas of regulation. General help from and contact information for mortgage bankers dealing in Pennsylvania. Pennsylvania Institute of Certified Public Accountants Agricultural & Extension Education Pennsylvania Newspaper Association Financial Literacy consumer resources. Ability to submit questions and have them answered by accountants. Pennsylvania Saves An initiative to increase the financial literacy of children, youth, and families in Pennsylvania. Free programs, no cost to join the group. Financial literacy toolkit provides resources to consumers, the general population, and non-profit organizations Bankers Advisory, Inc. 120