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  • What happens if my bank fails?
    In today’s economy, you might wonder what will happen to your money if your bank fails, or if a federal or state banking regulatory agency closes down your bank. Although bank failures are unlikely, they can occur when a bank does not have enough money to meet its obligations to all of its customers. Therefore, placing your money in a bank insured by the Federal Deposit … more
  • The Truth About the Truth in Lending Act
    Since 1968, American consumers have been entitled to clear disclosure of credit terms and costs in lending agreements. It was in 1968 that Congress passed the Truth in Lending Act. The law applies to many types of personal credit including credit card debt and residential mortgages. It applies to personal consumers who are seeking or applying for credit but it does not apply to … more
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